Tuesday 26 November 2013

VA Is the First Step of Growth

The online business industry is growing at a rapid pace. We now not only have websites that are willing to supply products to the USA and UK only, but almost all the countries have been added to the list. The increase in online shopping has resulted in the creation of thousands of new e-commerce websites. Even the under developed countries which are known as the third world countries own websites that allow people to shop local and imported products online. E-commerce is on the rise and as the future trends can be predicted, it is the one form of trade which will take over the globe completely. 

If you are already attached to this field in any way, you can rejoice because you have a bright future. Owning an online business is a very tough task because it isn’t any much different than a physical business. Managing an online business requires as much efforts as any business, in fact it can require a bit more than the physical businesses demand. Hence you ultimately need a team to run the business to the top. The best way to build up your team is to sign up for virtual assistant services. This is one package that no businessman can deny for it is cheap, reliable and worth the money. 

Outsourcing is the future of all businesses. Since it is becoming excruciatingly painful to keep an office and manage a team of employees, the huge budget required for the office won’t let you progress any quicker. In fact the huge expenses would bind you to a limit and you’ll only be running an office to make ends meet let alone growth and expansion. If you do not want to indulge in purchasing office furniture, supplies and manage the hassles of a crowd (probably your team), you are just the one who needs virtual assistant services

When you hire a team who works remotely, you can lead a carefree life and concentrate much better on the business. As there would be no tensions like hiring a new resource or compensating employees for the sick and medical leaves and expenses, you get to save a lot. This will be your first step towards expansion and you would be guaranteed to have a brighter future for your business. Just pay an affordable fee and get the work done by a team, which on the other hand would have costed you a huge stash to hire and accommodate them in your own office. 

Monday 25 November 2013

Your VA Can Be the Biggest Asset

Your market is constantly increasing and so is your company. Everything is going well because you have written a very good plan which is working the way you wanted. Since the business is increasing, so are the responsibilities and the duties. Now you alone cannot take care of everything and you vehemently need an assistant to help you with the daily tasks and duties. But since you are not in the mood to spend a lot in handing out salaries, the best you can do is hire an assistant that will do much more work than an ordinary office assistant, plus you will have to pay him less as compared to the office assistant. Your search ends with the virtual administrative assistant

Your VA would be working as a permanent employee yet he would be taking a nominal fee. As you are on the verge of expanding your business further, you need all the time to concentrate on your own tasks rather than the clerical tasks. As soon as the VA is hired, you can relax from spending the evenings cooped up in your office and working on the computer entering data. VA’s of today are multi talented and can perform many tasks. Your online web presence can be easily handled by the VA.

Since it is a must to have a good SEO to appear in the top positions of search engines, the VA would handle this sector easily. He would be performing the tasks necessary to promote search engine presence and if the website needs any amendments, feel free to ask your VA to apply the amendments also. Here are some of the tasks your VA would be performing under the SEO and SEM section.

  • On-page optimization
  • Keyword research
  • Competition analysis
  • Link building
  • Content marketing

These activities and a few more would enhance your online web presence and you would be appearing in the top most ranks within a couple of months. When you appear in the top ranks, you automatically get a boost in traffic and sales too. With the increased sales and traffic, the VA’s fee would seem like peanuts and if you like the work delivered by your virtual administrative assistant, be ready to express it by giving him a bonus and a raise too if possible. This small gesture would be enough to motivate him and increase your sales even further. You will now not only have a hardworking employee at a small fee, you will also have a loyal employee who would be willing to put in extra efforts to promote your business. 

Friday 22 November 2013

The Realtor VA Is Your Best Assistant

The year 2008 is known to be the worst for the real estate industry all over the globe. As the world’s economy was put at stake, the real estate sector came crashing down with many prime properties reaching a rate that was not acceptable for anyone. It seemed as the real estate sector would never revive from the horrific crash. Thankfully the worst is now over and the real estate sector is now thriving again. The rates are now higher from the point where they came down and investors are keen to buy properties more and more. This is a very good news for the realtors because it means they are now again in business and in a more zealous way.

It has become a trend of the customers to search for their desired properties online rather than calling each and every realtor and inquire about the property they have for sale or rent. Realtors are also at ease because they can now use their websites as their showrooms and display all that is available to offer to their customers. A web presence has now become necessary to be in business and be ahead of many competitors. But since the realtors lead a busy life, they rarely have time to devote to manage their websites. Hence they need an assistant who would be keeping their websites in perfect condition and would be keeping it up to date so that the customers would always know what new properties have been listed.

The best resource for maintaining a website today is none other than the realestate virtual assistant. The virtual assistant would be a great help to all the realtors as they can have their websites well maintained without troubling themselves. Since the virtual assistant would be working online or remotely, his timing can be adjusted according to preference. Since the mornings are working times, the evening is the best time to update a website. When the realtor returns from his dealings, he can then pass on the data to the VA via email.


When the VA logs in, he can see the email and read all latest data. The properties that have been sold or rented would be updated accordingly and the new properties that have arrived would be added in their respective sections. In this way the real estate virtual assistant would be managing the website in all forms. Since it is necessary for the website to be reachable to the rightful customers, the VA would also be working on its search engine optimization so that every customer and investor in your locality knows what you are offering. 

Wednesday 20 November 2013

Managing Everything Online

Working on-line as a virtual office assistant is a lucrative way to make money. The minimum startup cost and the flexibility of time to work is driving in hordes of educated youngsters to join this industry. There are all sorts of people working in this field. People who have studied computer sciences as their main subjects in school offer the services of web and software development to the clients. The students who have studied computer studies as a secondary subject are in this industry serving as search engine optimizers. And the people who have not studied computer studies as a subject but are fully aware of its functionalities and the scope it has are providing the services of administrative tasks. Commerce students provide online book keeping and other accounting services to the clients who need a remote accountant. 

Since the internet has become a huge industry and virtually another world, which is simpler and more accessible than the physical world, businesses have taken a new shape. Many small business owners have launched their on-line businesses. From providing the smallest items such as nuts and bolts to apparel and costumes on-line, even services can be purchased now on-line. The internet has reshaped the business world entirely and there is no stopping to this world where everything is just a click away. If you own a business on-line, small or large does not matter, you can avail the services of a virtual assistant to help you. 

Since a business needs more than just the internet, there are many tasks that need to be done physically. Building up a stock of goods, making purchases, and delivering the goods that are purchased by the customers, the business owner already has a lot on his hands to manage. Ultimately the need for an assistant arises and there is no denying to the fact that a business cannot run without a team. The assistant can be found on-line and based on their experience and their expertise, the assistant charge different rates. Their geographical location also matters when it comes to mentioning their prices for the on-line services they would be providing to the client.
                                                                                                                   
As the demand of on-line stores is increasing, there are many on-line stores opening up. One can now purchase electronics and even cars on-line. There is no limit to the power of the internet and this is what attracts the entrepreneurs here. The virtual office assistant can provide anything you want from bookkeeping to verifying the orders booked on-line. If you are in need of an assistant, do not hesitate to find one on-line. You can even get organized teams to manage your bulk tasks so that you can completely concentrate on the more important duties in your life. 

Tuesday 19 November 2013

Experience the Power of Outsourcing

Working on the internet with both local and foreign clients is attracting a lot of youngsters in this field. Since there are no strict timings to follow as in sales jobs and other fields where a 9 – 5 routine is made a must follow, most youngsters especially graduates are eyeing this industry. The Asian peninsula has noticed a significant boom in this sector because due to the lower labor rates and the time zone difference, the western world is keen to outsource their work to the companies in Asia.  Now this industry is not just limited to freelancers, but it has now become a professional industry in not only the Asian peninsula but all over the globe.

There are thousands of companies all over the world providing small, medium and huge business owners a virtual office assistant. These virtual assistants are not just like office secretaries, but they are professionals to the core and can provide all the services that any person would need for an online business. Suppose you are in need of a marketing campaign and you need to send emails to millions of people while there is still time. 

Since promotional offers are for a limited time only, you need the message to be delivered while there is still time for the recipient to make use of the offer that lands in his inbox. Give the task to the company that has a team huge enough to meet your demands and can deliver thousands of emails manually to each and every email that you provide.

Sending emails manually can be a hectic task and it can get boring after sometime. So never take up the challenge yourself but outsource it and see the magical effect of it. Get the laborious work done by a team within an affordable budget that will make both you and the virtual office assistant team happy. Apart from these short term projects, the VA companies can take up your long term projects also. 

If you need to have SEO of your company website done, or you need to have some changes made and require an accomplished web developer and designer for the task. Everything you ask for will be done professionally and you will be updated with the reports on a consistent basis. Have you ever tried outsourcing? If not, try it now and see the magic it holds and the success you are bound to get when you make use of it. 

Monday 18 November 2013

Plan Your Business Growth with a VA

If you are thinking to hire an assistant for your business, congratulations, you have risen to the next level of success and are thinking about growth. When a business person feels he is earning enough and can afford to hire an assistant, there are certain points to consider. Taking the bold step of hiring an assistant and then failing to afford him can be the worst experience for the boss and the employee. Hiring an assistant can possibly make your busy life turn into an enjoyable life. You get all the time to meet friends, go on family reunions and also you get the evenings off for a good nap and get rid of all the aches that have resulted due to a busy morning. 

But one thing is for sure, with today’s highly advanced technology and the availability of internet within every one’s pocket, hiring a virtual office assistant is an open option for every business person. Choosing to hire a VA than an office assistant has it perks that are unmatched. There are many reasons why one should think of hiring a VA first and then about an office assistant. First of all, with a VA, the whole world is your recruiting ground. Since talent has no race, religion or country, you can choose the right person from anywhere. As long as you are connected to the internet, distance does not matter. If you want to have a voice chat, feel free to use Skype. And if you need to see the face of your VA, again you have the free service of Skype to let you chat in video.

The second greatest option you get with a VA is that you get to set your own rules. If you want your assistant to be available at the hours that are not normal to work such as night or late night, ask if the VA would be willing to work at those hours. Hopefully most of the VA’s are willing so that means that you get a lot of candidates available to work at the hours that do not suit an office assistant. The third and not the final one, but let’s conclude at this point is the difference in the salary of an office assistant and a virtual office assistant. The VA would only take a fee for the services that does not include any taxes. So all you have to pay is the fee whereas you have to pay a huge stash of taxes on your employee’s salary. Ultimately, this is the reason why everyone should be hiring a VA when he is thinking about growth of the business. 

Thursday 14 November 2013

Build Your Team for Success

It is impossible for a human to be present in many places at one time. The key factor of a successful online business is that the demands are met within time and with the least hassles. Most of the time the online business might hit a gold mine, but at that moment the things have to be done at lightning speed. If the opportunity is missed, the profits may be very less as compared to the lucky situation. That is why every business owner should possess a team. Carrying the entire burden on his shoulders is never easy and impossible to let you get ahead. Without a team, a business is simply empty and it needs to be filled quickly.

Hiring a team in the office is never cheap. The salaries that have to be given along with the daily operation al expenses can sink a business immediately. The best thing to do is, hire an online virtual assistant and save yourself from all the office expenses and the huge salaries that are demanded by the employees. Save the biggest share of the profit for yourself and enjoy the rewards of running an online business successfully. Since you will be having an assistant, you would find yourself in a very comfortable situation. You will have room to think about the ways of expanding your business and you would also be getting a lot of help to manage the business. 

Humans can get ill; think if you are alone, what will you do in such a situation? Your business would be closed until you can get back up and run all the duties. Until then your customers would be screaming on top of their lungs and many would have already left thinking that the business has been closed for good. But in this situation if you have an assistant, he would handle the troublesome tasks and you will be spared to face the hard reality. 

Your online virtual assistant can do much more than just arrange the data for you. Ask him to do the other important tasks that will keep your website fresh and updated at all times. Take his help in content moderation, site maintenance and search engine optimization because you need all these services to keep your website the best out there. As long as you keep working as a team, the website would be leaving many solo entrepreneurs’ websites behind and the only competition you will have to face is the giant fish of the trade. But that is also not a serious problem because most of the customers will find their way to you as long as you keep appearing in the searches with the right information and products. 

Wednesday 13 November 2013

Free Yourself from Liabilities

We see many small business owners complaining about how tough their life is. Although they are earning a fair amount of money (probably much better than from a job), they have no time to spend it the way they want. They are mostly absent from family and friends gatherings, missing all the parties and the fun that most of the other people although earning less than them are enjoying. The duties of a business big or small are great and it has a direct impact on the life style of the small business owner. Every day begins with the same routine and ends in the same way too. 

Mornings are consumed by rushing to the office and collecting all the necessary things for the meetings that are scheduled for the day. After spending a very long day running from one place to another, the evenings are spent cooped inside the office completing the laborious data entry and other stuff. The point to start a business is not to get you trapped on a daily in various tasks that are needed to be completed. Instead of missing out all the fun stuff that you could have so easily attended if you had a secretary or an assistant, get yourself one. Hire an online personal assistant and get all the administrative work done by him. 

Not only can you get the administrative work done by him, you can also get a lot of other important tasks completed by him. Your business needs to be available on the web in the highest position to your customers when they come looking for some services that you offer. To rank higher on the internet, the secret recipe is none other than SEO. Since it is a task that needs to be done on a daily basis with consistency, if you try doing it yourself, you will be killing the sleep time also. So your online VA would be very useful in bringing you to the top and increasing your sales. 

Hire an online personal assistant and save yourself from the entire busy schedule that you have trapped yourself into. Get time to relax in the afternoon and socialize more often. This way you can build more business contacts and get more chance to make successful meetings in the morning when you head out to meet your clients. Make use of this facility and get rid of all the tensions and enjoy a life that you really had in mind when you started the business. 

Tuesday 12 November 2013

VA’s Expanding Boundaries of Business

The trend of selling and purchasing items online is increasing at a rapid speed. Since the availability of internet has become so easy these days, everyone is now connected. The giant search engine Google has made it possible to search everything online with ease. If you are looking to purchase a watch of a certain manufacturer, behold the magic of Google because you will be directed to their website from where you can purchase the desired item. 

This trend has caused a rapid increase in the online shops or ecommerce portals to be more precise. People are interested in buying online, businessmen are interested to capture the newly developed market, and the mix is beneficial for both parties, so the trend has started abruptly. But businessmen who have online shops are now stuck in a situation. Their responsibilities have multiplied, not only can they manage the online business single handedly; they also find difficulty in managing their personal lives along with it. 

Ultimately every businessman needs an assistant to manage the business tasks. For a person who is involved in the online business, the best choice for him is the virtual personal assistant. A virtual assistant is not like an ordinary assistant or an office secretary. He is much skilled than them because he can manage to do the same and many other tasks from a remote location. A virtual assistant provides his services in many different areas of online work. Working as an office administrator, he can also work as an SEO expert and a web designer and developer. The diverse skills make him a professional that sets him apart from the ordinary office assistant. 

The option to hire a virtual assistant is in the benefit of the employer. As people from all over the globe connect through the internet, he has huge boundary to choose his professional from. If there is a person who is known to be extra skilled in a certain field that the employer is looking for, distance is never a problem with the internet. It does not matter how far or near they reside, the employer and the employee can work in collaboration using the modern technology. 

Today the demand of a virtual personal assistant is increasing rapidly. The professional attitude, lower salary and availability at the oddest times make them the most sought after professionals. While you handle the business tasks during the day, you VA would be handling it at night. This way your customers can get the warm reception round the clock without a problem. 

Monday 11 November 2013

VA Services Suit the Web Businesses

Finding virtual assistant services is not a difficult task these days. With the giant search engine Google at your disposal, it can be very easy to find what you need on the internet. Small business owners who usually run their business on the internet are keen to hire a virtual assistant rather than hire an assistant in their office. The VA can be more productive, more knowledgeable, and would cost a lot less than the assistant working in the office. Since both of them would be doing the same tasks and at the same time, it would be unwise to spend a lot of money on something that has a suitable alternative available with just a few clicks away. 

It has been revealed through statistics that people are more comfortable to search for their needs on-line than in the markets. This trend has been the sole reason for the growth of eCommerce and on-line web shops where almost everything is now available. If you need to find suitable apparel or a costume for the Halloween party, it is better to search on-line rather than hit the market and waste your time over useless things. From the world’s most famous brands to their clones, everything can be found on the web shops. Booking an order is as simple as A.B.C and payment can be made through credit cards or the Pay Pal account. 

The trend of on-line shopping is increasing rapidly and this is why most of the small business owners are now switching to the internet. Running a business on line has more potential for a small business owner than operating a physical shop. With the internet a small business owner has no boundaries, he can target the market of any country he is comfortable to operate in. it doesn't matter where the business is located, as long as the internet is being used, it is just like a global village where everything is within reach. All a customer has to do is order the product and provide the details where to deliver it; the package will be received within a few days or in hours if the delivery is really urgent. 

By using the virtual assistant services, the business owner can leave the office tasks to be handled by his hired tem. He can simply concentrate on new ways to expand his business and the laborious tasks will be done by the team at reasonable rates. As the tasks are completed on a daily basis, it would be easy to handle the business professionally and the owner would have enough time on his hands to socialize and build new business links. By building the new business links, he would certainly enjoy a remarkable growth in the business without being cooped up all the time in an office and thinking about a life he could have had. 

Thursday 7 November 2013

Monetary Difference with VA

Your online business can grow much bigger if you pay it good attention. You can easily double your customers within a month by working some extra hours. But since you already are giving it full time, how can you double the efforts? Easy, hire a virtual administrative assistant as an additional help and see the astounding results. Online businesses are the kind of businesses that are called “in” in this century. Not long ago were people attracted to the internet as they are now. Today people carry the internet with them wherever they go in the form of smart phones, tablets and other portable devices. This way, your business gets carried along with them and without you are them realizing it. 

If you consider hiring an assistant in the office to work along on the PC as you do, then there are certain things that you should consider before making the final decision. First of all your office assistant would need to have a table, chair, PC and a special place in the office. This means that you need to make some investment on the assistant before hiring him. In case your office is small, you’ll need to look for a bigger one that would accommodate both of you. 

Now that there are two PCs running inside the same office, you need more bandwidth for the internet. This is not a home where one would be using it to check emails and the other one would be just playing an online poker game. You’ll need to work professionally with a huge amount of downloading and uploading. This means that you will have to ask for a bigger internet connection and the simple result is you need to pay extra. Thus you have involuntarily agreed to double your expenses on a monthly basis and in some cases on a regular basis such as the coffee intake, electricity bills and other minor things. 

Now consider the hiring of a virtual administrative assistant. You do not need to provide him any space in your office nor do you want to provide him a table, chair and a PC. All you need to develop a communication medium which is available free of cost via Skype and other internet softwares. Your tasks will get done in the same fashion as they would be done by the assistant in your office. The only difference will be communication style and money you have to spend on the work. 

Wednesday 6 November 2013

Get the Best Value from Your VA

After a long time of hardships and no buyers, the real estate industry has revived again and is now flooded with buyers and sellers looking for profits. While it is important for the customers to earn a profit by selling their properties, you also start earning through the commission which can take your business to much higher heights. Today not only has the business world of commodities changed, the real estate sector also operates from a whole new dimension. Every realtor now needs to have a website where he can showcase the available properties to attract the rightful customers. 

Running a real estate business is not an easy task. There are so many different things that need to be done on a daily basis that it leaves no time to manage the website. And a website containing properties that are already sold or mortgaged would only fend off the clients after they learn that their desirable property is not available. It is a continuous process and it should be uploaded regularly on the website. The old properties need to go and the new ones need to be added. And the best way to manage it successfully without fail is to hire a real estate virtual assistant. With the virtual assistant to help you manage the website, the work would become effective and within your budget.

A virtual assistant serving any industry is now a lot more skillful than an ordinary office assistant or a secretary. The web world has changed a lot with the changes in search engine optimization. Today there is a huge need to make your website search engine friendly and user friendly. This requires a constant attention on the website to keep it clean from spam links and to promote it also. Promoting a website on the internet is very much needed if you want customers to come in through the website. It needs special SEO care which the virtual assistant would be glad to do.

Running a website is as tough today as running a business. With the help of a real estate virtual assistant the real estate website wouldn’t rise to the top rankings. If you have the time to do it and possess the rightful knowledge of the SEO, then there is no need for an assistant. But if you lack any of these two, then you strongly need a virtual assistant to help you with the website work. 

Tuesday 5 November 2013

A Value Bundle You Can’t Refuse

It is necessary to hire an assistant once you are in a position to pay for his services. Running a business single handedly won’t last long. Taking the extra pressure on a regular basis would affect your health negatively and you would be experiencing it also. When you have taken the decision to hire an assistant for your online business there are some options worth considering. You can either hire an assistant in the office or you can hire a virtual office assistant. In either case you will have an assistant who would be helping you in your daily tasks. 

With the assistant to help in the office you have to pay the salary according to the state laws followed by the bonuses and other benefits. And if you plan to run a virtual chat for your customers on the website, it is better if you make it available round the clock. In case a person wants to ask a question at night when he is surfing the net, dropping an email and waiting for the answer till next day can be painful. Make sure that there is a person to handle it right away. But this means that you will have to run your office for 24 hours a day. Imagine the cost that would incur in such a manner. 

Now consider the option of hunting an assistant online. You have the world open as an option. Take advantage of the time zones so that your client handling remains active throughout the day. When you outsource your work to the professionals, you don’t have to pay more than their fees. It is their responsibility to manage the client chat round the clock and you can rely on them for quality service. Most of the businessmen have made use of this service by outsourcing their work to companies based in Asia. This gives them an advantage of the time zone which ensures that when the western world has the sun up, the Asian peninsula has night and vice versa. Working day and night, the companies provide round the clock services to their clients. 

Your virtual office assistant would not only be handling the chat, he will be doing all the tasks that you have outsourced to them. Get your site optimized by the SEO department of the company you are working with and keep your website updated with their web developers. You get the services of a team at the price of a single in-house employee. Considering the advantage of outsourcing, it would be sensible to skip an assistant in the office and go for an online team. 

Monday 4 November 2013

VA Takes Your Office Global

Finding an assistant for your business is one of the most difficult tasks one could face while hiring. While you search for a person having more skills than just arranging files in an orderly manner, the candidates fulfilling your requirements can be a very few. And as these few skilled assistants are hard to find, most of them are already employed and that leaves you with a rare chance of finding the man of your choice. This is exactly the same trouble every employer goes through when finding an assistant for his office. As you are not paying in thousands every month, you need a person who lives near your office so that he would be able to meet his expenses in the salary you offer.

Hunting the rightful candidate can be very costly if you contact the employment bureaus. So, instead of going through all the troubles and delaying your work because of not having an assistant, increase the boundaries for a candidate. Let the whole world apply to your job by switching over to an online virtual assistant. When you go online, the entire world is your hunting ground and your office. Talent has no boundaries, no color, no race and no country. A skillful person can be found in any country and employing him is possible when you go online. 

Post your job on the online job providing portals or you can also search on Google for a website of a company. With the online virtual assistants you get more benefits than a person who would be coming in your office on a daily basis. You do not have to go through the troubles of accommodating the assistant in your office space and neither do you have to go through the investments of a PC and office furniture. 

You also can adjust the timings of your assistant to work for you by taking advantage of the different time zones. If you are in the Americas and you need to find a person who would be available to your customers when you have gone home, get an assistant from the Asian peninsula. The time difference will ensure that your online virtual assistant will be live when you are at home. In this way your business will be accessible round the clock without any problem to your customers because they will have someone available to respond to their queries every hour of the day. 

Friday 1 November 2013

Save Instantly With a VA

Running an online business is not as easy as it looks. We feel that the businessmen who run an online business are at the liberty to travel all they like with their business being managed on their smart phones. Well, this is in fact nothing but an illusion to the people who see, but in reality, the person himself knows how hard it is to manage the business alone. Running a business online is nothing less than running a physical business. At some point, an online business becomes tougher to manage because of the huge competition that arrives from all over the globe. If you are in the USA and your run an online business, it does not mean that you only have to fight the competition in the USA. You have to fight it globally because a businessman operating from china can also target the US market without being there physically.

You certainly need a team to manage the business and take it to greater heights successfully. Ultimately you need an assistant to help you in managing the business successfully. Getting an assistant to work with you in the office can be a charming prospect, but the expenses that arise can be the result of your business’s downfall. Since you need to save every penny to invest further in your business and make it grow, it is best if you use an online personal assistant for the job. With the assistant who works for you online, you have more options and more time for yourself. Since you will not have him present in the office, you can easily lock the office if you need to go somewhere urgently. 

As compared to an office assistant, an online assistant is a very affordable employee. You have nothing more to give him than the fee that has been mutually agreed between the two of you. An assistant in the office would require a table; chair and a PC at the least, and this will be your responsibility to have it arranged costing you a couple of hundred dollars. The other expenses are set aside which include salary with a tax, bonuses and a daily coffee. But with the online personal assistant, you have nothing to invest and begin work instantaneously. Hence you not only save at the end of the month, but you start saving right from the start.