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What is Personal Finance Basics?

Personal Finance Basics is a subject you may not have pursued in college, but it is important for life. Money management is all about handling finances with flair and dexterity with the numbers. Being financially literate is a major part of being adept with money. Successful money personal finance basics management involves understanding important aspects of how to live a comfortable and prosperous life.

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Things to Know in Personal Finance Basics

Here we will discuss the Personal Finance Basic Tips.

1. Financial Self Control is Important

Delaying gratification is essential for keeping personal finance basics in order. Putting purchases on credit cards can pile up towards the end of the month.

Don’t get caught paying for items years down the line. Credit cards are for convenience, not getting caught up in debt. Pay your balance in full when the bill arrives.

2. Take Control of Your Financial Future

Money management is all about financial planning. Take charge of personal finances basics, or you will end up reversing the rags to riches story. Understanding how money works is a critical element of financial success. Saving money is all about being on a budget while buying all the best things in life.

3. Be Clear About the Financial Route Your Money Takes 4. Always Have An Emergency Fund You Can Rely on personal finance tips

Pay yourself first. From student loans to credit card debts, there will always be expenses. This does not mean you compromise on yourself. Making provision for a rainy day can shelter you from a storm. It’s important to use high-interest savings accounts, certificate of deposit, or money market account to ensure that inflation does not erode the value of the savings.

5. Start Saving for Retirement from Day One

Prep school serves as a transition for school, and college serves as a model for the university. Similarly, you need to plan for retirement as well. Invest at the beginning itself to end up with the amount you need for your personal finance basics retirement.

6. Have a Clear Understanding of Taxes

Income taxes work even before the first paycheck arrives. When you get a starting salary, you need to be clear about meeting your financial obligations and taxes. Calculate your gross and take-home pay to get a good idea of the ground realities.

7. Health is Wealth

Meeting monthly insurance premiums are essential because accidents don’t warn you before happening. Save money by obtaining quotes from different personal finance basics insurance providers to find the best deals and the lowest rates.

8. Guard Your Money

Earning interest through vehicles like money market funds, bonds, and mutual funds can act as a positive policy against financial instability. Better financial decision-making involves being proactive about the best ways to manage your budget and boost your earning potential like a true professional.

9. Chart Growth through a Financial Calendar

You need to have an ultimate financial calendar that can plot out important to-do items for money management. Just as your car needs a tune-up, so do the basics of your personal finances. Neglecting to schedule the important dos and don’ts can serve to create a mismatch between financial goals and actions.

10. Basic Financial Knowledge is Vital

The loan with the highest interest rate needs to be paid off first. The savings account with the best interest rate needs to be opened. The compound interest rate determines the credit card bill. The important point to take home from all this is that saving interest means debt or savings commitments one should focus on.

11. Be Aware of Your Total Net Worth

Net worth is the difference between assets and debt. Keeping track of your net worth is the right step for ensuring that financial goals are met.

12. Set a Budget and Stick to It

For a secure financial existence, it is important to have a knockout personal finance basics budget and stick to it. A cash diet has changed lives and helped people to budget effectively while reducing the appetite for financial risk.

13. Check On Your Financial Transactions

Set your spending tone for the rest of the day after planning for expenses each day. This helps to identify problem areas and keep track of goal progress.

14. Recognize your Financial Priorities

Build up emergency savings and pay off your debts. Financial priorities need to be given precedence over incidental expenses.

15. Draft a Personal Finance Vision Plan

It is important to motivate people to start adopting better money habits, and the best way to keep track of your financial goals is to craft a vision board.

16. Ascertain Specific Goals

Use numbers and dates, not just words, when you set your financial goals. Define debt and savings as well as payment period and date. Be very clear about the independent financial goals that you need to set up and follow.

17. Have a Spending Mantra That Works

Highlight the mini rule of thumb for how much expenses you want to incur within a certain span of time, for example, daily, weekly, monthly, and yearly.

18. To Score a Financial Hit, Make Small Money Goals

Work towards money goals that are small and manageable so that you can reap quick results. Long-term goals are important, but so are short-term ones.

19. Beware of the Self-Fulfilling Prophecy

If your psych yourself out before setting up the debt, you will not succeed. Switch to more positive mantras for a good experience and a desirable financial outcome.

20. Get Your Personal Finances in Shape 21. Appreciate the True Worth of Money

The acquisition is just one aspect of spending money. Value for your money is the important foal here. Appreciate the acquisitions you have in the here and now instead of chasing after the next purchase.

22. Boost Your Earning Potential

While negotiating a salary, put a number to the earnings potential. Lowballing or highballing is only possible if the initial estimate is accurate. Get the employer to name the figure if you want to push it higher.

23. Start with Small Debts and Conquer Bigger Ones

If you have a pile of debts, paying off manageable or little debts will give you the leverage to tackle the larger ones. Paying off a modest balance before chipping away at the higher balance could be a good way to do away with a mountain of debt.

24. Manage the Mortgage

The rule of thumb is that mortgage payments should be around 20-25% of your monthly income. Shop smart rather than struggling hard to make ends meet.

25. Evaluate Purchases Per Cost Use

Consider the cost per hour for each gadget, product, or service you spent your money on. The difference between a USD 10 and a USD 40 shirt could be the quality. Remember that value of money is more than a number.

26. Spend on Things That Matter

Getting the best bang for your buck is important rather than spending on material objects that have no obvious returns. Spend realistically if you truly want to steer clear of money issues.

27. Don’t Cash out Your Retirement Account At the Start 28. Spend Money to Make Money

It is important to make wise investments and contribute to your retirement account if you want to hit a six towards the end of your financial innings.

29. Rising Income means More Retirement Savings

Save more if you earn more. Increase your retirement contributions. Build and track your credit.

30. Keep Score of Your Credit Ratings

Review your credit report regularly and place an eye on your credit score. This is because a lower credit score has high costs.

31. Save Today for a Better Tomorrow

Putting money aside on a consistent basis ensures availability towards the end of the month. Big savings are the result of smart planning.

32. Fast Track Your Savings

The universal truth is that spending money is not the key to saving it. Open separate savings account for yourself. Make sure to transfer money to this account towards the end of each salary period.

33. Direct Deposit Yields Straightforward Returns 34. While Making Investments, Watch out for Fees

Fees that one pays in funds are called expense ratios, and these can eat into your returns. A low fee can cost you a lot in the long term. Sticking to low-cost stocks and funds will boost your income in more ways than one.

35. Rebalance Your Portfolio

You need to look into your brokerage account every once in a while to check if you are meeting your investment goals. If not, it’s time to rebalance your portfolio.

36. Earn Your Worth, Spend Very Little

This is the first basic rule of efficient financial money management. You should know what your job’s worth is in the marketplace.

This is a blend of skill evaluation, productivity, the complexity of job tasks, contributions made to an organization you are working for, and the salary rate within and outside the personal finance example company. Being paid your true worth and under-spending is the key to financial success.

37. Savings are Important, Especially When You Are Spending

Budgeting is important. Set savings goals along with spending targets to be clear about where your money is going.

38. Make Your Way into Financial Success Through a Will

Will is an essential document if you have dependents regardless of how little or much more your own. Remember that where there is a will, the way ahead is clear.

39. Maintain Accurate Records

Precision in record-keeping is essential for allowing income tax deductions and credits. Don’t miss out on saving money because your financial records are not updated.

40. Slow and Steady Wins the Race

An early bird catches the worm, and if you set out early, putting your money to work will determine how much it will grow. Retiring early is possible with careful financial planning.

41. Automation can Put Things on a Smooth Track

Financial success is only possible if you don’t give in to temptation and spend less than you should. Recurring transfers from accounts to savings need to be automated to ensure you don’t miss out on a payment.

42. Maximize Contributions

Add to your savings, especially if you start to save later and need to catch up. Scaling back the budget each year is difficult. Adding to your savings is far easier.

43. Get the Financial Education to Maximize Your Credit Score 44. Diversify the Portfolio

All of their money in a single share can be a recipe for disaster, and investors who diversify get multiple benefits. Spread your investment across stocks, MFs, ETFs, bonds, real estate, collectibles, and startups. This insulated you from financial losses if one of these investments is nosedives.

Personal finance basics is a science and art both. It is the science of managing money and the art of saving it. From spending on investments, every financial action has consequences. So, you need to be alert about the financial implications of every decision you take. Make better choices today for a brighter tomorrow.

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5 Best Personal Finance Software For Mac • Mactips

5 Best Personal Finance Software For Mac




Money management is an important skill, but you can get better at it with specialized apps.

In today’s article, we’re going to show you the best personal finance software for Mac.

Interest in accounting software? This Accounting software article has all the information that you need.

We covered Macs in the past, and for more guides and fixes, head over to our dedicated Mac Hub.



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Managing your finances is important, and it’s easier to that if you have proper software that can help you visualize and organize your finances.

In today’s article we’re going to show you the best personal finance software that you can use on your Mac computer, so let’s get started.

When it comes to the best free financial tools for Mac, we suggest that you try GnuCash and Money Dashboard from this list.

They are both available on all desktop platforms and don’t require any financial investment.

When it comes to the best paid personal finance apps for Mac, the offer is still accessible. These options offer better features and support.

Another great paid software that is also worth checking out is Personal Capital, so be sure to consider it as well.

What is the best Mac financing software today?

Another great personal finance software for Mac is Personal Capital. The software comes with a retirement planner, so you can see your financial situation at a glance along with retirement success.

There’s also a great money management feature, allowing you to track your spending and save money. Another feature is long-term financial planning, which will allow you to organize your finances better.

Personal Capital offers great features, and it comes with multiple layers of security, so you can rest assured that your financial data is completely secure.

Other great features:

All your accounts in one place

Planning for retirement

Multiple layers of security

Extensive money management

Long-term financial planning

Personal Capital

For your finances and budget management needs, we recommend using Personal Capital.

Check price Visit website

This service is optimized for state income and tax returns, and it will guide the users through their tax returns step-by-step.

The software is relatively simple to use, and you just need to select the options that apply to you, such as the amount of rent you pay or if you’re a small business owner, and the TurboTax will do the rest.

TurboTax also allows tax experts to do your taxes for you, which makes this one of the best personal finance applications that you can use on Mac.

Other great features:

Available for Mac and Windows

Optimized for state income and tax returns

Easy to use

Several packages available to choose from

Can get help from tax experts

This service can be easily accessed via browser, but there are also dedicated iOS and Android apps as well. With Mint, you can view all your finances in one place with ease.

You can also create budgets with specialized tips, so you can ensure that you aren’t spending too much. To keep track of your bills, there’s a reminder feature for bills, and you’ll also get a reminder if your funds are low.

Regarding security, Mint does its best to protect data, and it comes with two-factor authentication and VeriSign scanning, so it’s worth considering.

Other great features:

Free budget planning

Available in all web browsers

Dedicated iOS and Android apps

Keep track of finances at a glance

Reminders for bills

⇨ Get Mint

Another great personal finance software for Mac is GnuCash. This software is available under GNU license, and it can run on Windows, macOS, and Linux.

The software uses a checkbook-style register, allowing you to easily enter your data. The software also has an autofill feature as well as a summary bar.

As for additional features, there are scheduled transactions, reports, graphs, accounting for small businesses, and since GnuCash is completely free, there’s no reason not to try it.

Other great features:

Completely free

Available on all major desktop platforms

Checkbook-style register

Scheduled transactions

Reports, graphs

⇨ Get GnuCash

Money Dashboard comes as a web app, but it’s also available on iOS and Android. The service allows you to manage all your accounts in a single place, and it works with over 40+ banks.

Using this service, you can easily monitor your budget, and by doing so, you can better organize future spending. It’s worth mentioning that this service can track your bills, and there’s even a payday countdown available.

Money Dashboard offers great features, and since it’s free and available as a web app, it’s a perfect choice for personal finance on Mac or any other platform.

Other great features:


Available as a web app and iOS/Android app

Works with 40+ banks

Extensive budgeting feature

Ability to track bills

⇨ Get Money Dashboard

Monitoring your personal finance is important, and we hope that you managed to find the right software for this job in this guide.

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12 Important Questions About Bharos Answered (Faqs)

BharOS (Bharat OS) is a Linux-based operating system, similar to Android, which is being called India’s Indigenous Mobile Operating System, built to gain trust as a privacy-focused OS. It comes with features to provide users with more granular controls, like choosing only the apps they need. BharOS is classified into three major elements: No Default Apps, Private App Store Service (PASS), and Native Over Air Updates (NOTA).

BhaOS is developed by JandK Operations Private Limited (JandKops), which is Non-Profit Organisation (NPO), incubated at IIT Madras. This project of IIT Madras is funded by Indian Government to build BharOS as Indigenous Atmanirbhar Mobile Operating System.

Well, the answer to this is a little technical, as Google’s Android is based on Linux kernel and other open-source software. Later on, when Google created Android out of it, it kept it open source as well, as an initiative to guide the development of the Android mobile platform. This initiative is called AOSP (Android Open Source Project), which allows anyone to create a custom version of Android, as we see multiple ROMS, like LineageOS.

Similarly, the developers at IIT Madras took the AOSP, from Google’s platform which is available for Free, and modified its code to create BharOS. So technically, yes it is based on Android, which is based on Linux kernel and other open-source software.

As mentioned above that Google allows anyone to tweak and create a custom version of Android for itself. The developers at JandK Operations Private Limited (JandKops), did the following changes to the vanilla Android to create the BharOS.

Pre-Loaded App

App Store

The next change in BharOS compared to Vanilla Android is that, there’s no Google Play Store to download apps on a BharOS-enabled phone. There’s a separate Private App Store Services (PASS) that consist of only Privacy-Focused Apps, like Signal Messenger, Duck Duck Go, etc.

Default Apps

BharOS does not enforce any default app on its users, as there’s no Google Phone app, or Gmail app, as the default dialer app. Android does allow you to change the default app, by configuring the settings. However, BharOS gives this freedom to its user to pick any app as their default app, out of the box.

Software Updates

As of now, JandKops and IIT Madras, have not announced any expected time for the launch of BharOS in the country.

BharOS is currently being provided to organizations that have stringent privacy and security requirements to protect data. Later on, they will work with brands to provide it on off-the-shelf phones, to consumers. As of now, JandKops and IIT Madras, have not disclosed any list of brands, that’ll ship BharOS. For testing and launch, they have used a Pixel 7 Series phone, running BharOS.

BharOS developers have provided a PASS (Private Apps Store Services) consisting of privacy focussed apps, like Signal, Duck Duck Go Browser, etc. Once we get our hands on BharOS, we will share the detailed steps. As of now, there’s no word shared about side-loading apps.

Yes, since BharOS uses the vanilla Android AOSP. The base structure of BharOS and its functionality and compatibility is the same as that of Android. So, yes BharOS does support all Google Apps.

In order to install Google Apps on BharOS, you need to download them from the provided PASS to use them. As of now, there’s no clarity about side-loading apps, we will let you know if there’s any update on this.

JandKops and IIT Madras, have not shared any details about the software update cycle of BharOS. We will update you guys as soon as any information about it comes out.

BharOS can be used by users who handle sensitive information and require confidential information. BharOS also allows you to access trusted and secure apps, via a private cloud service like a Private 5G network. Like, Indian Defence Organisations can use a Private 5G network on BharOS to access confidential data stored on private cloud services.

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The Basics Of Link Profile Analysis

Did you know that doing a link analysis is critical to maintaining the ongoing health of your site?

They can also contribute significantly to the strategic and technical aspects of your domain.

For the strategic, a link analysis will help you determine weaknesses in your overall strategy that will determine the actions you must take. This strategic analysis is one that will also be a determining factor in the success of your SEO.

From a technical perspective, the link analysis will allow you to identify bad links that may have future potential negative effects on your website, with significant repercussions if you build too much of the wrong links.

Performing an accurate link analysis is critical, along with how to select the right tools for the job.

It’s not unheard of to use as many as five different tools to compile all of your links, and then use them as a year-long link remediation task.

What, exactly, is link remediation?

It’s a different name than link pruning (what some call this task), but nonetheless is the same task, and should inspire looks of dread from experienced SEO professionals who manage massive link profiles.

Or inspiration, if you love looking at links and enjoy the mechanical repetition of this task.

Regular link remediation is a critical component of ongoing link acquisition depending on the size, breadth, and scope of your site.

It can help improve performance by removing toxic links that harm your overall link profile.

What Is a Link Analysis?

A link analysis, quite simply, is a deep-dive audit of all the links pointing back to your site, making up the entirety of your link profile.

Depending on the focus of the link analysis, it can reveal major problems affecting the SERP performance of your site overall.

Whether you call it link pruning, link remediation, or plain old link analysis, they all mean the same thing.

Depending on your vendor, the link analysis will usually include a link profile disavow file, which you can then upload accordingly to Google’s disavow tool.

Ongoing link analysis is critical to maintaining the ongoing, consistent health of your site’s link profile.

What Is a Link Analysis Used For?

Link analyses come into play when you’re concerned about the quality of your overall link profile, and you want to maintain that quality.

If your link profile has minor amounts of bad links, you probably don’t want to care about doing a link analysis, as it’s more work than what you need to maintain.

However, if your link profile contains significant amounts of bad links, and you feel like you are an ongoing target for negative SEO campaigns, you will want to consider a regular link remediation schedule.

Depending on the size of your link profile, this could be once a month or once a quarter.

Sometimes, ongoing link analyses are required to uncover more sophisticated negative SEO campaigns. But it isn’t always necessary and could be overkill for some smaller websites.

Link Analysis Tools for the Job

There is no shortage of tools on the market for link measurement and metrics tracking.

Before knowing where you’re going with your link acquisition campaign, you must understand the current state of your site’s link profile.

Proceeding with link acquisition before understanding what your link profile currently looks like is like eating raw food before it’s cooked.

Although some raw food is a delicacy, you don’t always want to take this approach, or else you may suffer serious stomachaches.

The same is true for link acquisition.

If you don’t know the current state of your link profile, and you go after some of the same links, you may not see the inherent value of your link acquisition efforts. In addition, you will be duplicating your efforts.

Using several link analysis tools at once is necessary not only for link database size, but because the differences in links discovered by these tools are worth it.

But let’s make one thing clear: third-party link analysis tools are not the be-all, end-all, although they can get you close. None of them will duplicate Google’s database of links entirely, which is why you must use their tools as well.

Although, they can help you get enough links removed so that they don’t continue to harm the success of your SEO efforts.

Links You Must Look Out For

Believe it or not, there are good links and bad links. A good link is any link that bolsters your overall E-A-T, or expertise, authority, and trust.

A bad link is any link that either causes direct tanking of your site’s rankings, or indirect issues with your site’s SERP performance later. Or, it’s a link that is against Google’s Webmaster Guidelines.

Google’s Webmaster Guidelines talks about link schemes as being against their guidelines:

“Any links intended to manipulate PageRank or a site’s ranking in Google search results may be considered part of a link scheme and a violation of Google’s Webmaster Guidelines. This includes any behavior that manipulates links to your site or outgoing links from your site.”

The goal of your link remediation task is to find all of these types of links linking back to your site and to go through a link removal process and disavow them. There are several situations in which you need to deal with these types of links immediately:

Manual Action or Algorithmic Penalty?

Manual actions are not hard to spot. During a manual action, your site will be manually penalized. You will get a notice from Google in GSC when this happens.

You’ll also notice significant traffic drops overnight. You can’t do much to immediately reverse this issue. It will require a lot of work in link remediation, removal, and disavows until Google is pleased.

Algorithmic devaluations are simpler. Although they can be more challenging in some ways than manual actions. With a manual action, you at least know that you have a penalty and what you need to do to correct it.

With an algorithmic devaluation, uncovering the issue will take a lot more time and work, and it’s not always obvious what is behind the cause of your traffic drops.

Google continues to maintain that they ignore spammy attempts at link building.

However, there are plenty of examples of negative SEO in the wild. I don’t think Google will ever confirm negative SEO, because that would be dangerous, right?

Imagine what would happen if every SEO knew exactly how to apply negative SEO to every single one of their competitor’s websites. That would not be pretty!

Negative SEO Attack

Believe it or not, negative SEO still exists. There are plenty of examples online of negative SEO occurring in the wild.

Yours truly has also been through a few of these and assisted in their recovery (and they are not pretty).

While in some cases you may not see a negative SEO attack register immediately, it will eventually register. And the effects can be devastating.

The premise behind negative SEO is simple: a sly competitor decides to build thousands of bad links back to your site, and your site will end up tanking in the SERPs as a result.

The negative SEO itself is generally easy to spot – using a tool like Ahrefs or SEMrush, you can easily see the increase in bad links coming into your site.

While the premise is narrowed down, there are many different ways to perform one. They include:

Creating spammy looking links en masse back to your own site.

Creating dummy sites on other domains with thousands of pages of your own scraped duplicate content, pointing back to your site.

Hacking your site’s chúng tôi file, and getting it de-indexed.

Fake social profiles and fake negative online sentiment based on social signals.

Spammy PBNs to make it look like you are engaging in this behavior.

On-site negative SEO as the result of a site hack.

Many of these, when done right, can be impossible to spot for the non-savvy web entrepreneur, but it can be done by utilizing the services of a savvy SEO.

Pages & Folders – Not Just Site-Wide

An algorithmic devaluation can happen not just to the entire site, but to pages and folders that look particularly spammy.

If you experience a drop in traffic overnight, it is possible that only a page that was driving the entire bulk of your online traffic was algorithmically devalued.

In that same vein, folders can also be targeted for algorithmic devaluation, especially if pages in the folder are egregiously spammy.

In other words, if you are hit with an algorithmic devaluation, combing through your Google Analytics and Google Search Console statistics will help you narrow down which pages and folders are targeted, rather than just going after your entire site.

What Is the Best Way to Do a Link Analysis?

The thinking behind combining at least 5 sources of links is to cast as wide a net as possible, to gather up all potential links. You can then de-duplicate this list into a single list that you will use throughout this process.

If you don’t do it this way, you may miss some that you have to deal with later.

Why not make as complete a list as possible at the outset, and avoid the duplication of your work?

Required Link Analysis Tool: Google Search Console

Believe it or not, Google Search Console is one of the required link analysis tools on our list.

The only problem with Google Search Console is that it won’t get all your links, which is why I recommend at least 2-3 tools in your arsenal for link analysis.

It’s required because Google Search Console contains lists of links that Google sees pointing back to your site. Of course, knowing which links Google considers valuable is critical for any link analysis efforts.

And this is why Google Search Console is so important.

But, this should not be the last word on link analysis tools that you collect for your link analysis tasks.

Optional Link Analysis Tool #1: Ahrefs

Boasting one of the most accurate and largest link databases of its kind, Ahrefs is the premier tool of choice for SEOs looking to analyze large volumes of links.

Not only that, but you can expand your link acquisition opportunities by using several actionable techniques that they go over in this post:

You can mine for some content opportunities by examining the higher traffic pages on your competitor’s website.

You can look into how your competition is really acquiring their links, and then you can duplicate their link acquisition strategies.

It’s possible to use alerts to automate the discovery of new link opportunities.

Identify keywords with low competition and higher traffic and business potential.

Audit your site and figure out any crucial SEO mistakes that are negatively impacting your site on Google.

Look for gaps in your content strategy using the content gap analysis tool.

These are just some of the additional cool, actionable things you can do with Ahrefs (I bet you thought this was going to be yet another dry tools list with benefits and features, huh?)

And much more. I love Ahrefs for its comprehensiveness and ease of use in its audit potential along with the discovery of new link opportunities. It’s one of the best tools around for link acquisition.

With one of the largest link databases known to man, you really cannot go wrong on this tool.

Optional Link Analysis Tool #2: SEMrush

SEMrush is considered one of the best tools in an SEO person’s tool stack, and for good reason: you can fully customize your link acquisition plan from the start, beginning with low-hanging fruit opportunities at first, and going after the more difficult links later.

Among its standard list of tasks you can use, there are other little-known things you may not have thought of about using SEMrush for link analysis:

You can find and remove harmful links pretty quickly.

Through analysis, you can find everything you lost, and figure out how to get those links back.

It’s possible to get rid of all of your toxic links.

While you get rid of toxic links, you will always have cases where you will see increases in the toxicity levels of your link profile. SEMRush will also allow you to set up alerts for any negative SEO attacks.

And much more.

SEMrush’s suite of tools not only covers link analysis, but also content marketing, social media, and many other facets of SEO.

I highly recommend them as yet another tool you should have in your SEO link analysis arsenal.

Optional Link Analysis Tool #3: Majestic

Majestic’s link analysis tool is a no-brainer. It’s one of the simplest, easiest methods around to export your links, and put them into a format that’s usable and reader-friendly.

There are a few little-known link analysis steps you can take to ensure that you grab every potential link that could be a bad link:

Their bad neighborhood checker tool allows you to comb through links all belonging to a shared IP, or even the same IP, unearthing links that could be used as part of a PBN or other link network. In cases of microsites, usually, site owners will have all of those sites coming from the same IP. They’re not doing anything malicious, but other techniques like on-page spam could have a negative impact, which you can actually find when going through these links.

With the latest release of Majestic, you have the context of words and images surrounding links! A major improvement in its overall link analysis functions.

Of course, as with all link analysis tools, Majestic has its own metrics and measurements for domain authority, called trust flow and citation flow.

Combining Link Analysis Tools Data

The way I have done it in the past is to note the links by link type (press release link, PBN link, forum link, etc.), and whether or not it is spam/not spam.

You can have good press release links, just as you can have good forum links.

Not every link from these sources is bad. It depends on how you do it and whether or not it violates Google’s Webmaster Guidelines.

What If I Have a Drop in Traffic?

If you have been hit with anything that’s not clearly a manual penalty (such as an algorithmic devaluation), you must do some analysis and determine whether it is really a penalty or algorithmic devaluation.

Just because you’ve had a significant drop in traffic, doesn’t mean you are automatically levied with an algorithmic devaluation.

You could have lost a critical link that was driving significant traffic.

Perhaps a page changed, altering your results significantly. Or, maybe the search query changed and people aren’t searching much for that term anymore, leading to a traffic drop.

You must answer the following questions:

When did the drop occur?

Did the drop in traffic coincide with an algorithm update?

Did this drop in traffic happen at the same time as other significant on-site changes?

Was the site potentially suffering from a loss of a critical link?

Could the traffic otherwise be gained?

Has the page significantly been changed to be more spammy than it used to be?

That’s why it’s critical to perform this type of analysis first to really nail down what actually caused the drop in traffic.

If the analysis reveals that you are being algorithmically devalued, then you will want to proceed with the link analysis/link remediation project to determine any bad links and get them disavowed.

Link Analysis Can Reveal Weaknesses, As Well As Strengths

On its own, a link analysis can help you reveal significant information about your site’s own link profile.

From its health to the types of links, and whether or not it violates Google’s Webmaster Guidelines, all are useful indicators as to the overall quality of your link profile.

If you are under penalty, the link analysis is a critical element of your overall penalty recovery program.

If you are under algorithmic devaluation, this analysis will help you narrow down where, exactly, the devaluation is taking place on your site.

Even if you’re not under penalty or devaluation, a regular link analysis can help you in several ways, including making sure that you don’t get into trouble due to toxic links in your site’s link profile.

Link acquisition is no more. The future of link acquisition is link earning, and it’s already here. It’s making sure that your link profile is as natural as possible.

The fewer issues you have that violate Google’s Webmaster Guidelines, the better. You don’t want to have too many toxic links tank your site overnight. That’s a nightmare for everyone involved.

As the saying goes: you can never be too careful with your site’s link profile.

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Featured Image: Created by author, May 2023

Easy Breakdown Corporate Finance Institute

Top-Down Analysis

An analysis strategy that first focuses on macro indicators, and trickles down from there

Written by

CFI Team

Published July 8, 2023

Updated July 7, 2023

What is Top-Down Analysis?

Top-down analysis starts by analyzing macroeconomic indicators, then performing a more specific sector analysis. Only after that does it dive into the fundamental analysis of a specific firm. It is the opposite of bottom-up analysis, which focuses on looking at fundamentals or key performance indicators before anything else.

Breaking Down Top-Down Analysis Gross Domestic Product

A top-down approach will always start at the highest level, that is, determining which country has the best investment climate. At this level, a commonly used indicator is gross domestic product or GDP. This indicator is a good benchmark to compare various countries. GDP is a comprehensive measure of economic growth, which is why many investors use it. While GDP is an important factor to consider, there are also other considerations that an investor must analyze.

Geopolitical Risks

Global investors ought to assess the political climate of a country before opting to invest in it. As an investor, you should determine whether the country’s economy is at risk. This could be due to its own political situation or situations where neighboring countries could be jeopardizing its economy. For instance, when the Russian Federation annexed Crimea in 2014, the risk of investing in Eastern Europe increased considerably.

Asset Condition Assessment

Another factor that you should keep in mind entails the asset valuations with respect to the country’s economic growth. Although a fast-developing economy can give rise to fast-growing firms, the industry may be requiring a lot for the securities. The Chinese property stocks are a perfect case in point. They were overpriced in 2024, following a rise in prices.

Local Currency Climate

Apart from these concerns, you also need to factor in the effect that the nation’s currency will have on your investment venture. It may seem like a foreign security is doing well in its local currency, but once you start assessing the depreciation in terms of the U.S. dollar, you may realize that its growth rate is not as high as you thought it would be.

Picking the Right Sector in a Top-down Analysis

Once you have the ideal place, the next step entails comparing the performance of different industries within that country. Almost always, you will find that the greatest part of growth is taking place in certain areas of the economy. Such areas experience rapid changes within a single economic cycle, often because of introducing certain technologies.

For instance, a particular nation may be heavily reliant on one specific sector such as agriculture or energy. If you diversify your investments across other sectors that are not doing well, you won’t get the high returns that you would have if you had targeted the flourishing sector.

Another way to look at this is to focus on the groups that are nurturing and fueling the economy’s growth. For example, a thriving middle class in a developing industry could be setting the pace for growth and development in consumer discretionary equities.

It’s also imperative to assess whether the markets are being affected by the federal government’s activities. The reason for this is that some governments choose to give subsidies to only a few select industries. And while this may improve the companies’ profits in the short term, this may not last for a very long time.

Assessing the Nitty-gritty of Top-Down Analysis

The last stage in the top-down analysis approach to investment entails evaluating the details of individual assets. More specifically, you should examine both the fundamental and technical aspects of the asset. Investors usually choose from a wide range of assets, including foreign stocks, international ETFs, and American Depository Receipts (ADRs).

With regard to the technical aspect, you should specifically look for assets with an increasing trend in pricing. As for the fundamental aspect, you’ll need to find assets whose value tends to be underestimated. These dynamics prevent you from overpaying for certain assets.

Should You Consider Using Top-Down Analysis?

Employing top-down analysis calls for a great deal of research. Not only do you have to compare the economies of different countries but also different sectors in the chosen state. This means that the likelihood of choosing a company that’s on a downward trend is low; hence, minimizing your risk of investment.

Another reason for using top-down analysis is that it allows you to diversify your investments across different sectors. You can even choose to diversify your portfolio across global markets. If you come across an international market that is performing well, you can allocate part of your capital to it. Diversification helps to lessen the blow in case the primary market you’ve invested in undergoes a downturn.

Since every top-down analysis begins with a global outlook of the economy, it’s highly unlikely for investors to be caught off-guard by upheavals. Ideally, this strategy requires that an investor keeps abreast of geopolitical issues and whole economies. Given the vast information such investors have regarding global events and interlaced networks, it’s easy to predict trends in different sectors.

At the same time, a top-down analysis gives you a comprehensive picture of the global economy. Keeping up-to-date with the performance of different economies can help you predict the trend of the specific industry you’ve invested in. It also gives you a chance to diversify your portfolio by investing in different markets.

The Bottom Line for Top-Down Analysis

In summary, a top-down analysis is when investors first take a broad picture of the economies and sectors they want to invest in. It means that they assess the economic growth rates of different countries across the globe. Once they have identified potential countries, they choose specific sectors that seem to be flourishing in that country. The last step is to pick firms thriving in that particular industry, which they then invest in. It is a funnel-approach to selecting investment opportunities, as the top-down analysis name implies.

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How Apps Leak Your Personal Data

How Apps Leak Your Personal Data

To create an application developer, use software developer kit (SDK).  These SDKs consists of a visual screen, compiler, editor and other facilities required to develop an application.

Also Read : Can ISPs Be Trusted With Our Personal Data?

To get an answer to this question you need to read further.

Most mobile applications use third party Software Development Kit (SDK) that aren’t protected. These SDKs use HTTP protocol, that makes data interception and modification possible. Thus, leading to data leak, malware attacks and other high-end attack vectors.

Which apps are found using such SDKs?

As these apps have several billion installations globally, a gigantic amount of private data is at risk.

Why are these SDKs used?

As these SDKs are provided free of charge app developers include them to save time, without noticing the security vulnerabilities. They focus on other things rather than checking the SDK.

We can even say it is mere laziness on the part of app developers.

What do these SDKs do?

Undoubtedly, these SDKs save time but eventually they have flaws and user data is at risk. About, 4 million APK are found to be leaking confidential data to the Internet. Therefore, app developers need to pay attention to these SDKs.

What all data is at risk?

The type of data exposed through these SDKs is personal like age, name, gender, GPS coordinate, app usage and even political views, likes, dislike, financial details and other confidential data.

The data is exposed via unsecured Wi-Fi, ISP, home routers and other connected sources.

Besides, it is being found that these SDKS leak data like device information, storage size, battery level, IMEI, OS version, network information IP address, Phone number, email address and everything that you can think off.

Must Read : Who Has More Of Your Personal Data Facebook Or Google

It seems as if we are mere lambs that can be slaughtered anytime by an attacker due to a simple human error.  When we already know that HTTP is not secure then why still 90% apps use HTTP is a big question, that is not yet answered. Just by saying app developers taking all the necessary precautions things don’t work. They need to stop using such SDKs and start writing the code.

These SDKs are not used in any specific apps to target a special section of society. We all are at risk because we use these apps and don’t know which app is transmitting our data insecurely. So, we need to be attentive and while granting permission to any app we need to think twice and see if it is required by the app to function or not.

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