Best Keyword Research Tool: SEMRUSH

SEMrush is a platform that allows you to perform rapid SEO and PPC competitive analysis. It is a product from the maker of SEOQuake , a popular SEO addon for Firefox.You can perform in-depth keyword analysis, dissect paid ad campaigns and content strategies, conduct backlink audits, identify profitable partnerships, track performance in real-time, and gather actionable insights that will strengthen your online marketing efforts.

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As a blogger, what I like most in Semrush is their keyword research tool and it's awesome. I had read many articles on this tool and knew almost all of its amazing features before writing this review. Hardly a month ago, when I saw that this same tool was being recommended by Harsh Agarwal, who is my Idol in blogging industry. I decided to go for that and I placed an order for this tool. I used it and after using this tool, I always say amazing.
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SEMRUSH makes it easier to find what keyword your site or any site is ranking for. In short, it makes Keyword research a piece of cake. Just the quality of content is not enough, as we need to get quality links, timely audit out site SEO & other factors. And this tool will perform all this work for you.

It helps you to Discover which keywords will help you seize your competitors’ positions in the Google or Bing top 20!. You can find keywords with less competition and keyword difficulty easily and almost instantly. Then you can write on that keywords which may help you to rank higher in SERP's.

You can Monitor your national, regional, and local search engine positions for any keyword. The Position Tracking tool allows you to track your website’s ranking for target keywords in the Google top 100 organic and paid results. Daily updated data show you how your optimization efforts help your keyword rankings progress in paid and organic search over time.

Also Read: High paying Infolinks Keywords

I have a good news for you that you can use this awesome tool and its pro version with full features without paying any single penny for 14 days, i.e., for free. I'm going to share the link to avail this offer below after one or two paragraphs.

If you are a blogger and really wants to make it popular and rank higher then you must go for this tool. But if you are doing blogging just for fun, not professionally then you need not to use this tool or simply go for the free tools like Adword keyword planner or Bing keyword planner.

Truth behind Health Insurance

Could you explain what a health insurance premium is? What about coinsurance?

Just under half of Americans with health insurance feel confident that they understand such basic insurance terms, according to a recent study in the journal Health Affairs. Among uninsured Americans, fewer than a quarter have that confidence.
As the Affordable Care Act creates millions of new health insurance customers and provides new options for the already-insured, confusion about basic insurance concepts could make it difficult for people to make the right choices.
"The vast majority of consumers do not know the ins and outs of health insurance because they never have needed to," says Eric Stauffer, a former insurance agent who now rates and reviews insurance companies online.
"For years, most people have received health insurance through their employers. They get a card in the mail, and that is their ticket to health insurance," he says. "Consumers rarely saw much more than a bill for a few hundred dollars here and there."
But it's no longer so simple. "Years of being naive about the entire industry are starting to catch up with people now," Stauffer says.
Here are five things a wise health insurance consumer needs to know.

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Every health insurance plan includes a number of variables, so just looking at the monthly payment, or premium, doesn't tell the whole story.
To determine whether a plan fits your situation, you must understand the big picture. That includes the annual deductible, which is the amount a consumer must pay out of pocket before the insurance company will pay any expenses.
"If you are a healthy person, there is no reason to have a deductible lower than $5,000," says Ashley Hunter, president of HM Risk Group, a niche insurance brokerage serving the U.S. and the Middle East.
"Purchase a policy with a higher deductible and an option that allows you to have at least two doctor visits with a copayment for emergencies," she says, adding that you might then invest your premium savings.
People who seek health care regularly should look for a low copayment, which is a fixed out-of-pocket charge for medical services.
"We find that if you tend to use your health insurance, it is almost always cheaper to take a higher-cost plan with the lowest out-of-pocket expenses," says John Seltzer, founder and CEO of J. Seltzer Associates, a Pittsburgh-based insurance brokerage specializing in employee benefits.

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While copayments and coinsurance are both types of cost-sharing between the consumer and the insurance company, they are two distinct types of payments, notes Michelle Katz, a nurse and the author of "Healthcare for Less" and "101 Health Insurance Tips."
In a copayment, also known as copay, the patient pays a specific flat dollar amount to the provider, usually for each service or treatment, such as $25 for a checkup.
Coinsurance, on the other hand, is a percentage of costs that a patient must pay after the deductible is met. "For example, you may have a deductible of $250 before insurance will cover 80 percent of charges, leaving you responsible for the other 20 percent -- known as coinsurance," Katz explains.