FINANCIAL FOCUS – Time is a Key Factor in Investing

With the arrival of the New Year, many of us will pause and ponder the age-old question: “Who knows where the time goes?” And, as is always the case, none of us really do know. However, wherever the time goes, it will usually be a key factor in your success as an investor.

Time can affect how you invest, and the results of your investing, in different ways:

  • Growth potential – Contrary to myth, there’s no real way to “get rich quick” when investing. To build wealth, you need patience – and time. If you own quality investments with growth potential, and you give them years – in fact, decades – to increase in value, your perseverance may be rewarded. Of course, there are no guarantees, and you’ll need the discipline to withstand the inevitable downturns along the way. But in describing how long he likes to keep his investments, renowned investor Warren Buffet says his favorite holding period is “forever.”
  • Targeted goals – To accumulate resources for retirement, you need to save and invest throughout your working life. But along the way, you’ll probably also have some shorter-term goals – making a down payment on a home, sending your children to college, taking a round-the-world trip, and so on. Each of these goals has a specific time limit and usually requires a specific amount of money, so you will need to choose the appropriate investments.
  • Risk tolerance – The element of time also will affect your tolerance for risk. When you have many decades to go until you retire, you can afford to take more risk with your investments because you have time to overcome periods of market volatility. But when you’re on the verge of retirement, you may want to lower the risk level in your portfolio. For example, you may want to begin moving away from some of your more aggressive, growth-oriented investments and move toward more income-producing vehicles that offer greater stability of principal. Keep in mind, though, that even during retirement, you’ll need your portfolio to provide enough growth opportunity at least to help keep you ahead of inflation.

Thus far, we have looked at ways in which time plays a role in how you invest. But there’s also an aspect of time that you may want to keep out of your investment strategies. Specifically, you might not want to try to “time” the market. The biggest problem with market timing is it’s just too hard. You essentially have to be right twice, selling at a market top and buying at the bottom. Also, as humans, we appear to be somewhat wired to think that an activity – especially a long-running activity – will simply continue. So, when the market goes up, we seem to expect it to keep rising, and when the market drops, we think it will continue dropping. This can lead to big mistakes, such as selling after a major market drop even though that can be the time when it may be much smarter to buy because prices are low.

As we’ve seen, the way you interact with time can affect your investment efforts. So, think carefully about how you can put all the days, months and years on your side. Time is the one asset you can’t replenish – so use it wisely.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Marques Young
Edward Jones Investments
8001 Centerview Parkway, Suite 112
Cordova, TN 38018
Office: (901) 751-0634
Member SIPC



The Small Business Series: How to Conquer Email Marketing a Crash Course – Part 2

Join Connecting Atlanta on LinkedIn and Facebook.

Me, Jason Bourne (and you)Solution Provider

Email marketing is the Jason Bourne of online marketing: somebody’s always trying to kill it. It can’t be done.

Well, Jason Bourne and I have something in common.  I’m a killer too, just with email marketing strategy as a Constant Contact Authorized Local Expert.

No, it doesn’t mean I have guns and knives and physical combat experience!  That’s not what an email marketing strategist is all about. It’s about using the right tools and techniques to craft and deliver your email marketing campaigns.

When I was first introduced to Constant Contact I was simply overwhelmed and struggled trying to use the tool. It was difficult.  I didn’t know where to start and so I didn’t use it, even though I was paying for it.

So, what about you? Have you ever had a tool that could be very useful in growing your business but it was too complicated to use? Well Constant Contact is not that complicated, especially when you have an expert like Lisa Ann Landry to hold your hand. Lisa Laundry

Despite various innovative ways of marketing including social media, mobile apps, digital marketing and so much more, email marketing still remains the number one way for businesses, organizations, & marketers to keep in touch with their consumers, members and clients.

Yet, we know that not everyone is a marketer and that not everyone has experience with email marketing. Would you like to learn How to Create Stand-Out Subject Lines and Creative Content in the Small Business Series: How to Conquer Email Marketing a Crash Course – Part 2

– Create engaging subject lines

– Research subject lines with an online tool to increase engagement

– Create calls to action to drive action

– Designing the body of your message

– Using video, pictures, and buttons

– Sharing on your social site

We will go through a series of discussions, activities and demonstration. Lisa Ann will show you exactly how easy it is to use your new account to help you produce engaging and effective emails, in less time but that produce actual results for your organization.

On July 22, 2017 Connecting in Atlanta and Paradigm Shifts Training and Development are hosting the Business Series: How to Conquer Email Marketing a Crash Course – Part 2. It is a few hours of immersion for you to focus on your business. Would you like to join me?

If so, please click the register button and I’ll send you all the information! Part 2

Can’t wait!

Lisa Ann Landry
Social Media Strategist
Lisa Ann Landry headshot1

The Small Business Series: How to Conquer Email Marketing a Crash Course – Part 1

Join Connecting Atlanta on LinkedIn and Facebook.

Man funeral - cartoon

Email marketing is dead, right?

If that’s true why are there over 2.586 billion email users worldwide, including both business and consumer users?

You’re probably like me and check your emails several times a day on your smartphone. We’re not the only ones. At least weekly 72% of U.S. online adults send or receive personal emails via smartphone.

No e-mail marketing is not dead. Are you convinced yet? Maybe this is more persuasive. Marketers consistently rank email as the single-most-effective tactic for awareness, acquisition, conversion, and retention. Likely that’s because email is almost 40x better at acquiring new customers than Facebook and Twitter.

E-mail Marketing’s ROI  Pig with money - cartoon

Maybe you’re thinking you can’t afford an email marketing service. The ROI of email marketing is that for every dollar spent in 2014 was $24.93 and today its $41. Additionally, the ROI is almost double that of search advertising and better than any other direct marketing channel.

Why don’t you come learn how to put e-mail marketing to use? You’re invited to join Lisa Ann Landry so that you can Learn How to be Unstoppable with Email Marketing. I’ll be demonstrating using the Constant Contact email service provider but the strategies you learn can be applied to any of your e-mail campaigns.

A Live Demonstration 

In the presentation you see a live, guided demonstration on the tools and features inside Constant Contact. In this time-efficient, highly practical 2-hour session, you will learn the basics so you can get going with your own marketing campaigns.

It’s a relaxed, friendly educational session – bring your questions!

Wondering if this is right for you?

Question mark - cartoon

This 2- hour seminar is suitable for anyone new to Email Marketing, new to Constant Contact, or who just wants a hand learning how to use our products.

On June 10, 2017, I am delivering training hosted by Paradigm Shifts Training and Development and Connecting Atlanta. It’s The Small Business Series: How to Conquer Email Marketing a Crash Course – Part 1 a two-hour program for you to focus on your business and how email marketing fits in. It’s a few hours of immersion for you to focus on your business. Bring your laptop! Here’s a Constant Contact link to get signed up with your account.

Due to the deep nature of the work, there are only 20 spaces available. (They’ll fill up fast.)

Would you like to join me?

If so, please click the register button and I’ll send you all the information!

Can’t wait!

P.S. If you know a friend who has been confiding in you that they are ready to get clarity about email marketing tools such as Constant Contact – then you have my full permission to forward this email to them. I’ll take great care of them!

Lisa Ann Landry
Social Media Strategist

Lisa Ann Landry headshot1

How to Decide Which Customer Loyalty Program Is Right for Your Small Business


Customer loyalty programs used to be extremely expensive for small business owners to operate – they simply couldn’t afford the advanced software, POS systems, and other infrastructure required to run effective loyalty programs.

However, modern technology has changed everything. There are now dozens of companies focusing on providing customer loyalty programs to small businesses, and more are appearing every year. Their costs are quite low, and easy-to-use software makes customer loyalty systems simple to integrate into your small business.

But what’s the best kind of customer loyalty program for your small business? We’ll break down the most basic types of customer rewards and loyalty programs, allowing you to get a better idea of which type may be appropriate for your small business.

Cash Back or Rebate Programs

These programs allow customers to earn a percentage of money back from previous purchases in a set period of time and gives them the opportunity to redeem this money or store credit after a set period of time.

The advantages of such as system are:

  • Simple and easy for customers to understand
  • Gift certificates and store credit drives customers back to your business
  • Customers feel as if they’re “buying in” to your business, making them more likely to return

Some disadvantages include:

  • Lack of “instant gratification”
  • Can be expensive to implement
  • Infrequent shoppers might not be drawn by this program

For the rest of the article, click here



What’s Smarter – Paying Off Debts or Investing?

 If you’re just starting out in your career, you will need to be prepared to face some financial challenges along the way – but here’s one that’s not unpleasant: choosing what to do with some extra disposable income. When this happens, what should you do with the money? Your decisions could make a real difference in your ability to achieve your important financial goals.

Under what circumstances might you receive some “found” money? You could get a year-end bonus from your employer, or a sizable tax refund, or even an inheritance. However the money comes to you, don’t let it “slip through your fingers.” Instead, consider these two moves: investing the money or using it to pay off debts.

Which of these choices should you pick? There’s no one “right” answer, as everyone’s situation is different. But here are a few general considerations:

  • Distinguish between “good” and “bad” debt. Not all types of debt are created equal. Your mortgage, for example, is probably a “good” form of debt. You’re using the loan for a valid purpose – i.e., living in your house – and you likely get a hefty tax deduction for the interest you pay. On the other hand, nondeductible consumer debt that carries a high interest rate might be considered “bad” debt – and this is the debt you might want to reduce or eliminate when you receive some extra money. By doing so, you can free up money to save and invest for retirement or other goals.
  • Compare making extra mortgage payments vs. investing. Many of us get some psychological benefits by making extra house payments. Yet, when you do have some extra money, putting it toward your house may not be the best move. For one thing, as mentioned above, your mortgage can be considered a “good” type of debt, so you may not need to rush to pay it off. And from an investment standpoint, your home is somewhat “illiquid” – it’s not always easy to get money out of it. If you put your extra money into traditional investments, such as stocks and bonds, you may increase your growth potential, and you may gain an income stream through interest payments and dividends.
  • Consider tax advantages of investing. Apart from your mortgage, your other debts likely won’t provide you with any tax benefits. But you can get tax advantages by putting money into certain types of investment vehicles, such as a traditional or Roth IRA. When you invest in a traditional IRA, your contributions may be deductible, depending on your income, and your money grows on a tax-deferred basis. (Keep in mind that taxes will be due upon withdrawals, and any withdrawals you make before you reach 59½ may be subject to a 10% IRS penalty.) Roth IRA contributions are not deductible, but your earnings are distributed tax-free, provided you don’t take withdrawals until you reach 59½ and you’ve had your account at least five years.

Clearly, you’ve got some things to ponder when choosing whether to use “extra” money to pay off debts or invest. Of course, it’s not always an “either-or” situation; you may be able to tackle some debts and still invest for the future. In any case, use this money wisely – you weren’t necessarily counting on it, but you can make it count for you.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Marques Young
Edward Jones Investments
8001 Centerview Parkway, Suite 112
Cordova, TN 38018
Office: (901) 751-0634
Member SIPC



How To Eliminate Competition & Attract Your Perfect Customers and Clients FASTER and With GREATER Ease

Who are you?

Seriously. Who are you?

No, I’m not talking about who you are as in what’s your name?

I mean who are you to your perfect customers and clients?

The BIGGEST problem with most entrepreneurs is that they want to be EVERYTHING to EVERYONE and they don’t specialize.

Here’s a prime example…

An average physician income ranges from $239,000 in the Northeast to $258,000 in the Great Lakes area.

A brain surgeon makes $395,000 to $589,500. That’s an extra 6-Figures just from specializing. Does this make sense so far?

I read a Facebook post earlier today and a young lady was promoting her services and she offered everything and most of it wasn’t even related. It was kinda like a buffet.

I can guarantee that she’s not making as much money as she possibly can (if any at all), because she doesn’t specialize at anything so no one knows why to do business with her because she’s possibly just OK at all these different things.

Now most entrepreneurs are making this colossal mistake because they don’t want to “leave anyone out” so they market to everyone which simply means they are marketing to no one.

Great marketing attracts your ideal clients and repel those who are for you, so since that’s out of the way, let’s get into…

How To Eliminate Competition & Attract Your Perfect Customers and Clients FASTER and With GREATER Ease

Step#1: Decide on your specialty and get as specific as possible.


Step #2: Decide who is your ideal customer. What’s their name, how much money do they make, do they have kids, if so how many and the list goes on.

A lot of people struggle with this step, so my good friend Jacqueline Waller of Connecting Atlanta and I are hosting a FREE (yes I said FREE) workshop in Atlanta, Ga on February 13th to go deeper into this an much more, so click here to RSVP.

Step #3: What is their ONE BIG Problem and how can you solve that ONE BIG with your product or service?

Step #4: Create the Irresistible BAIT. This is also known as a lead magnet.

This is something that you can give away for FREE so that your ideal customer or client can raise their hand and say “YES I have that problem and I want to solve it!” CHING!!! CHING!!! J

This could be in the form of a video, audio, pdf etc.

We’ll be assisting you with creating this at the workshop so be sure to RSVP before.

Step #5: Launch Your Magnetic Marketing Strategy

Now this is a BIGGIE!

You have to know where your customers hang out, what media they like to consume information in and much more.

Also you want to have more than one tactic in your marketing arsenal.

A lot of marketers focus solely on Facebook for lead generation. Now Facebook is amazing, but what happens when Facebook starts tripping?

One of my mentors says that ONE is the worst number in business.

I could go on and on, but if you take action on this 5 simple steps I can GUARANTEE that you will Eliminate Competition & Attract Your Perfect Customers and Clients FASTER and With GREATER Ease.

Be sure to click here to RSVP for the FREE workshop on February 13th, because we’re going to take you by the hand and show you exactly… “How to Magnetically Attract an Endless Flood of Your Ideal Customers and Clients in 60 Days or Less”

Click Here to RSVP


Marquel Russell is a Personal Branding, Rapid Business Growth Strategist, a life long entrepreneur and the Creator & Founder of Infinite Success University (the one stop shop coaching and training company for serious entrepreneurs who want to grow their business faster and easier). Marquel is internationally known for assisting entrepreneurs with attracting an endless flow of your ideal prospects, customers and clients in 30 days or less…GUARANTEED.


Digital Marketing – What is it?

In simplistic terms, digital marketing is the promotion of products or brands via one or more forms of electronic media. Digital marketing differs from traditional marketing in that it involves the use of channels and methods that enable an organization to analyze marketing campaigns and understand what is working and what isn’t – typically in real time.

Digital marketers monitor things like what is being viewed, how often and for how long, sales conversions, what content works and doesn’t work, etc. While the Internet is, perhaps, the channel most closely associated with digital marketing, others include wireless text messaging, mobile instant messaging, mobile apps, podcasts, electronic billboards, digital television and radio channels, etc.

Here is a great article I found online on Digital Marketing