Growing with YouTube, Why T-Bills and a Home Remedy for Weeds.
Growing with YouTube
Whether you're a business owner or you spend your days working within an organization that sells products and/or services, you live in a constant world of change. From software to people, increased productivity is always an underlying theme. It doesn't stop there - your customers are also changing. Our CAG Marketing team works closely with B2B and B2C businesses that operate all over the world. New tools are constantly being made available to reach more people with your company messages. Not to mention, from a consumer behavior point of view, people are watching videos on their mobile devices more than ever before. If your marketing team hasn't investigated using YouTube to reach customers, the time is now. Not only can you place ads but by using clips and shorts, you can grow your subscribers across multiple social media platforms. If you're skeptical, here's a real-life example from a CAG Marketing client.
Our client uses a weekly podcast to disseminate messages and explain complex topics in an easy-to-understand way.
- 3 months ago that same client started to routinely video their podcast - meaning they made it available in multiple formats including audio and video
- This opened the podcast up to a whole new audience on YouTube.
- Using CAG Marketing's video editing team, the client not only has the full podcast available on YouTube but 1-2 minute clips and shorts accompany each episode
- In those 3 months, their Facebook followers have doubled and they've had more than 260,000 video views across all social media platforms.
- Looking at the top 5 posts - static vs video - the average total reach is 364 vs 56,088 respectively
5 Reasons why T-Bills Beat CDs
Treasury bills (T-bills) and Certificates of Deposit (CDs) are both considered relatively safe investment options, but they do offer different levels and types of safety. Here are some reasons why T-bills can be seen as safer than CDs. Current rate on 3-month T-bills as of 6/3/2023 is 5.39%
- Backed by the Government: Treasury bills are issued by the U.S. government. This means that they are backed by the full faith and credit of the United States, which is generally considered to be the most reliable and creditworthy entity in the world. On the other hand, CDs are issued by banks and are only as safe as the bank that issues them. While they are insured by the FDIC up to certain limits, the insurance does not cover potential loss of interest or early withdrawal penalties.
- Liquidity: T-bills are more liquid than CDs. This means that they can be more easily bought or sold without affecting the price much. CDs, on the other hand, typically have a fixed term, and if you need to get your money out before that term is up, you can face a penalty.
- Marketability: T-bills are very marketable because they are commonly used as a form of short-term financing between financial institutions. This makes them relatively easy to sell if necessary. CDs, on the other hand, are generally not marketable. If you need to access your money before the CD matures, you'll generally need to pay a penalty to the bank.
- Non-callable: Treasury bills are non-callable, meaning they can't be redeemed before the maturity date. CDs, however, can be callable, which means the issuing bank can choose to terminate the CD before its maturity date. This introduces an additional level of risk if you were counting on the CD's interest for a specific period.
- Interest Rate Risk: Both T-bills and CDs come with interest rate risk (the risk that rising interest rates will make other investments more attractive), but the impact is often more pronounced with CDs. This is because CDs usually have a longer term than T-bills, and the longer the term of your investment, the greater the chance that interest rates could rise during that time
Kill weeds without harsh chemicals.
Here's a simple and relatively safe homemade weed killer recipe that uses common household items:
- 1 gallon of white vinegar
- 1 cup of salt
- 1 tablespoon of liquid dish soap
- Combine the vinegar and salt in a large pot. Heat the mixture on the stove until the salt is completely dissolved.
- Allow the mixture to cool, then add the dish soap and stir until it's well mixed.
- Pour the mixture into a spray bottle or garden sprayer for easy application.
- Spray the weeds with the mixture, being careful to avoid any plants you want to keep. The vinegar and salt work together to kill the weeds, while the dish soap helps the mixture stick to the leaves.
Please note: This mixture can harm desirable plants and grass, so apply it carefully only to weeds. Also, this weed killer does not discriminate between weeds and other plants, so be careful when spraying it around your garden. Furthermore, salt can degrade soil health over time, making it less suitable for future plant growth, so this method is best used on patios or driveways where plant health is not a concern.
If you prefer a less aggressive approach, boiling water can also be used to kill weeds. Simply pour it directly onto the weeds. This method is especially effective for weeds growing in cracks on your walkway or driveway, and it won't harm the soil like a salt-based weed killer can.
Crosby Advisory Group, LLC specializes in wealth accumulation, asset protection, and business growth. If you have a question, contact one of our experts.
- Business Growth: Carly Snyder
- Insurance: Julie Maglott
- Financial Planning: Nate Crosby
- General Questions: Macy Vogel
Disclaimer: This newsletter is for informational purposes and does not represent individual investment advice. Crosby Advisory Group, LLC has three branches of services: registered investment advisor, marketing firm, insurance agency. Investing involves risk including the potential loss of principal.