Business

Americor Funding Reviews For Debt Consolidation Are Inconclusive

Published

6 years ago

January 1, 2020

Best 2019 Reviews provides expert reviews for consumers looking to consolidate their debts. One particular company that is interesting is Americor Funding. The company goes by several different names: Americor Financial, Americor Funding, Americor Debt, Americor Financial Services and possibly Credit 9. The company is widely popular and is very active through the internet and direct mail. However, Americor Funding reviews aren’t always the greatest.

For many Americans, debt has become an inevitable part of their everyday life. Whether you talk about mortgage loans, credit loans, automotive loans, and student loans – the list just goes on. According to most estimates, the average American household owes at least $130,000. Moreover, debt issues are prevalent in almost every age group.

The median income earned by Americans has increased by 28% since 2003, but the cost of living has increased by 30% during the same time. What hits debtors the most are unexpected expenditures on medical costs, which have climbed by a whopping 57%. Prices for food have steadily increased by 36%.

Most financial experts believe that the debt crisis has become a mainstay of the American economy due to a lack of financial education. Financial experts believe that most Americans should be given a crash course on finance.

You also have to take into account the spendthrifts who are more psychologically ‘hardwired’ to spend money. Researchers believe that these individuals do not feel the “pain” when spending money, and this allows them to go above and beyond their budgets.

The bottom line is that nearly every household is tied to expenses that they are unable to avoid. You can’t avoid spending on your mortgage, rent, credit cards, student loans, and more.

This raises an important question: what is the ideal spending limit in each area?

Most mortgages account for at least 31% to 36% of average income, including taxes, insurance fees, and interest. In larger cities, the percentage may push up to as high as 50%.

It is important to adjust these limits when the average pay appraisals are unreliable. It is also worth noting that the previous generations spent less on college and healthcare. Shorter life expectancy and reliance on pensions meant that there wasn’t much pressure to save on retirement

So what is the most reasonable course of action? Financial pundits argue that you should cap your hosing costs at 25% of your income. This should leave you free to invest in other areas of your life. 25% should be enough in most cases to pay off your mortgage loans by retirement age. For this reason, it is important to choose a 15-year mortgage plan and just stick to it.

Student Loans

Student loans require a bit more planning and should be approached cautiously. For starters, it isn’t a good idea to borrow more money than you will ideally make after finishing school. It isn’t good financial practice to get parents involved because this will most definitely interfere with their retirement savings. The best course of action is to cap student loan costs at 10% of your income.

These loans are best paid as soon as possible.

Automobiles

When it comes to loans, it is not a good idea to spend more than 5 or 10% of your gross monthly income on car payments. A larger percentage will choke most Americans financially, leaving them little room to maneuver. The best course of action is to shoot for 4-year loan plans with a downpayment of at least 20%.

Business

The Key Components of a Successful Digital Marketing Strategy

Published

23 hours ago

November 16, 2025

Matthew Wiles

In today’s hyper-connected world, a well-defined digital marketing strategy is essential for any business that wants to grow, build brand trust, and stay competitive. Whether you’re a local retailer, an eCommerce business, or a professional service provider, your online presence plays a major role in shaping how your audience perceives you. For example, industries like legal services are increasingly recognising the benefits of specialised digital marketing for law firms to attract and engage clients in an increasingly digital marketplace.

Below, we explore the key components that make up a successful digital marketing strategy—and how to align them with your business goals.

Clear Objectives and Measurable Goals

Every effective strategy begins with a clear understanding of what success looks like. Your goals might include increasing website traffic, generating leads, improving search engine visibility, or enhancing customer retention. Setting SMART (Specific, Measurable, Achievable, Relevant, and Time-bound) objectives helps ensure that each marketing activity contributes to tangible outcomes.

A Strong Brand Identity

Your digital marketing efforts should reflect a cohesive brand identity that resonates across every channel—your website, social media, email campaigns, and online ads. Consistent visual design, tone of voice, and messaging establish credibility and make your business instantly recognisable.

Search Engine Optimisation (SEO)

SEO remains the backbone of digital visibility. From on-page content optimisation and keyword targeting to technical site health and link-building, SEO ensures your business appears where customers are actively searching. Local SEO, in particular, helps businesses connect with audiences in specific geographic areas—an essential tactic for professionals and service-based businesses.

Engaging Content Marketing

High-quality, relevant content builds authority and nurtures relationships. Blogs, videos, infographics, podcasts, and whitepapers provide opportunities to educate, entertain, and inspire your audience. Great content not only boosts SEO performance but also establishes your brand as a trusted industry leader.

Social Media Engagement

Social platforms allow you to interact directly with your audience, showcase brand personality, and promote your services. The key is to use the right platform for your audience—LinkedIn for B2B engagement, Instagram for visual storytelling, or Facebook for community connection. Regular posting, active engagement, and data analysis are crucial for success.

Paid Advertising (PPC and Social Ads)

Paid campaigns can provide immediate visibility and lead generation, especially when combined with strong targeting and data insights. Tools like Google Ads and Meta Ads Manager allow you to reach specific demographics, remarket to previous visitors, and maximise ROI through ongoing optimisation.

Email Marketing and Automation

Email remains one of the most effective tools for nurturing relationships. Automated workflows can deliver personalised experiences, keeping leads engaged throughout the buyer journey. From newsletters to drip campaigns, consistent and value-driven communication is key.

Data Analytics and Continuous Optimisation

No digital marketing strategy is complete without performance tracking. Tools like Google Analytics, social insights, and CRM data reveal what’s working—and what’s not. Regularly reviewing metrics enables businesses to refine their strategy and continually improve results.

Final Thoughts

A successful digital marketing strategy is more than a checklist—it’s an evolving framework built on research, creativity, and constant learning. When each component works together seamlessly, your business can attract, engage, and convert customers more effectively, while maintaining a powerful and professional online presence.