Business

Over 669,000 small businesses are home to the Bay State of Massachusetts. And, about 45% of the state’s employees work at a small business. To run a small business company successfully, small business insurance is essential as it lays a thriving business foundation.

When it comes to choosing your small business insurance in Massachusetts, you need to ensure that you have all the requisite coverage to protect your business from specific and unique operational risks. This can include common risks such as general liability to pay for property damages, bodily injury, advertising injury, litigation risks, and other specific risks such as natural disasters, fire or professional liability, and cyber liability.

What Does Small Business Insurance Cover?

Different types of small business insurance can help protect from various claims. Here are a few of the basics:

• General Liability Insurance –

This type of insurance covers common risks, including customer property damage, injuries, and libel or slander lawsuits, to name a few. Most commercial leases may require this coverage.

• Business Property Coverage –

This coverage in small business insurance protects your business premises, buildings, and content such as office furniture, computers, or machinery against natural perils such as fire and other natural calamities.

• Business Interruption Coverage –

Also referred to as business income coverage, this insurance helps to replace the lost income and extra expenses if your business is affected by a natural disaster. For instance, if a tornado or fire makes your office not fit for resuming work, this insurance can help pay for the costs of temporarily renting another office while repairs are undertaken, up to the specified limit of the policy.

• BOP or Business Owner’s Policy –

It is a common insurance policy that several small business owners prefer to get started with as it combines the above three policies in a comprehensive coverage plan. Each coverage in your BOP comes with a coverage limit and applicable deductibles toward a covered claim. Read your policy documents to know this in detail.

• Workers Compensation Insurance –

This type of small business insurance in Massachusetts is mandatory for all businesses with employees to cover medical costs for work-related injuries or illnesses.

• Commercial Auto Insurance –

It covers injuries and property damages in an accident, along with vehicle theft and other types of damages.

• Professional Liability Insurance –

Also known as errors and omissions insurance, it covers client lawsuits over mistakes and missed deadlines.

• Cyber Liability Insurance –

This policy helps Massachusetts digital businesses survive data breaches and cyber-attacks, covering client notification costs, legal fees, and other related expenses.

How Much Does a Small Business Insurance Cost?

Commercial insurance can be affordable for a small Massachusetts business. Factors that influence the cost include:

• Your industry and risk
• Coverage limits
• Location
• Number of employees

Small Business Insurance in Massachusetts – Essential Requirements for Business Owners

The MA Division of Insurance monitors and regulates the insurance practices statewide. It mandates all businesses to have workers’ compensation and commercial automobile insurance if they use owned or rented vehicles in their business.

Apart from this, it is also recommended to have a BOP because it has all the basic coverage, and you can opt for additional coverage as per the business’s needs and requirements.

 

While there are a variety of loan types out there, they all work on a similar idea – a lender will give you money and you’ll pay back the loan amount plus interest over a set amount of time.

While it sounds simple, it gets more complex as you start to go over all of your options. However, by knowing how to choose a loan for business, you’ll be much better suited for finding the right loan for your situation.

Are you interested in learning more? If so, then continue reading and we’ll walk you through the top tips for choosing a loan for business that you need to know about!

1. Know Why You Want the Loan

The first thing that you should do is know why you need this loan. How is it going to help your business grow and what are you specifically going to use the money for?

By knowing the answers to these questions, you’ll be able to narrow down the list of loan types that make the most sense for you. It’s important to note that some reasons for taking out a loan are better than other reasons.

For example, taking out a loan to expand your company and increase your profits is a good reason for getting a loan. However, taking out a loan as a final attempt to stop your business from going under is not a very strong reason.

2. Figure Out How Much Money You Need

Loans for small businesses come in all sizes. Some loans are only for a few hundred dollars while others are for millions. When you take out a loan, you shouldn’t simply try to get as much money as you can.

You’re going to have to repay whatever money you borrow. And the more you take out, the bigger your payments are going to be. Plus, you’ll likely have to pay fees and interest.

However, you also don’t want to take out too little money and then end up coming up short as you try to improve your business.

3. Explore Your Lending Options

Now that you have a better idea of what you want your loan for, and how much money you need, you can start going over your different lending options. Also, depending on what kind of loan you need, you might have to wait a long time to actually receive the money. If you need it now, then you should consider getting a cash loan.

And remember, the longer your loan term is, the lower your monthly payments will likely be.

Using These Tips on Choosing a Loan for Business

There’s nothing wrong with taking out a loan for business and practically all small business owners do it. However, you have to know what it is that you want and where you can get it in order to make sure that you’re getting the best loan for your situation.

Are you looking for other helpful articles? Make sure to check out the rest of our blog today for more!

 

One big question runs high amongst small business owners, and that has to do with an essential need to promote their business. Cold calling is a powerful strategy of reaching out to intended audiences and presenting what you have to offer. It is akin to what door-to-door salespeople do, going from house to house to solicit possible sales.

The advent of telecommunications brought several changes to how businesses approach their marketing strategies. Cold calling has enabled the growth of millions of companies worldwide, becoming a significant factor that drives success.

Startups and nascent companies like Uber deeply penetrated the market with cold calling companies because of direct contact with their customers. Rather than wait for these customers to call and ask for help from the company, companies directly present their offerings.

Cold Calling is An Agile Form of Marketing Campaign

In every industry, cold calling has become an essential service to deliver the right results. Its effectiveness surpasses what direct mail and common marketing strategies can do. Directly communicating with your prospects is highly effective because it allows your business to gain powerful insights about market movement and customer behavior.

Nonetheless, driving sales is also much more achievable because it prevents time delays and allows your business to catch demands just in time. Cold calling also gives your company a better reputation because of direct customer communications. It creates a powerful effect of reliability and a trustworthy brand that provides time to their clients.

Business owners engaging the help of cold calling companies save time because they cut through the chase by getting possible customers on the phone. It is an agile form of marketing directly bypassing other marketing funnels like inbound leads via email. By making the perfect pitches and sales scripts, you deliver a powerful message that impacts your sales performance.

Is Cold Calling the Right Strategy for Your Business?

Your business can never go wrong when getting a cold calling servicing company to help with your sales. There are two critical questions to ask if this type of telemarketing is right for your business. Not only will it help you determine if cold calling is an appropriate strategy, but give you an insight at the right company to get services from.

Before engaging a service provider, it is critical to answering these questions:

• Is your company catering to customers who are buying over the phone?
• Will the service provide a sustainable way of staying ahead of your competitors?

Rallying the right help for your marketing needs will always be dependent on these questions. The right marketing framework should never go against your intended goals and making sure that cold calling answers more of your marketing needs will help.

There are also other means to determine if your customers are likely to patronize your marketing efforts. By learning about current customer behavior and competitor strategies, you deliver the right engagement service that will help your business in the long run.

Outsourcing Your Telemarketing Services Needs Offshore

When you have determined if cold calling is right for your business, the next thing you would want to consider is to look for the right service provider. Outsourcing offshore has been the trend over the last couple of years because of its relevant benefits for your business.

People from abroad have the right skills to keep your marketing endeavors highly empowered. However, choosing the right partners comes from understanding your culture and whether the service provider has the same level of company culture as yours.

The main advantage of getting an offshore cold transfer service provider is the quantitative service level agreement, reflecting how it works towards your goals. A friendly culture and excellent communication skills can pass off to your customers as an internal department and not an extension located somewhere.

Dramatic changes in sales and marketing strategies lead to advances that incorporate traditional and digital concepts. By integrating cold calling service into your customer service offerings, not only do you empower your business but also provide deeper levels of understanding at your market niche.

Similarly, by directly putting your customers at the front of your sales strategies, you can examine avenues that work and ones that falter. Cold calling gives your business the right framework catapulting your team towards lasting goals through unbounded trust and credible customer experience.

Cold calling can be a driving force towards your marketing goals. It allows you to redirect company objectives and break boundaries that are often hindered by indirect communication strategies. A deep understanding of the benefits of cold calling is one essential criterion to consider. It can be a full pipeline that delivers a unique advantage to your business.

 

PDF has significantly influenced many people in the way they manage their files. People in the business world have been successful as they learn how to organize their intellectual assets on electronic documents properly. Many people’s workload has become lighter as they utilize pdf technology.

PDFBear has significantly gained popularity in dealing with your electronic files. It’s a website that will give you access to different tools that you need for your electronic documents. One of its tools is the conversion tool. Read the helpful guide below of converting your electronic file to another file format that you need.

Online File Conversion Tool

You have to use a file conversion tool if you need a particular file format that isn’t available in your hard drive. You might need files to be uploaded on your social media accounts. That’s why you need to convert your existing files to jpg format since files in jpg are ideal for online uploads. If you want files for your emails, pdf format is best used for email attachments.

PDFBear gives you access to the website for you to use the conversion tool online. The first thing you need to do is upload the file you need to convert on the PDFBear online converter tool. Then, you have to choose what file format you want for your existing document. Next, you need to click the convert button, and the tool will start the conversion process.

It won’t take long. It’ll usually take a few seconds to finish converting the uploaded files. Once done, you can click the download button to save the new file format in your computer hard drive or smartphone.

The online tool has many conversion options. It allows you to have copies in pdf format from your files in Word, PowerPoint, and Excel. It also processes conversion from pdf to png, JPG to PDF, or any other file formats that you need. When you use the PDFBear conversion tool online, it’ll give you a wonderful experience in converting your files in a stress-free way.

Convenient and Safe

PDFBear has the most effortless process of file conversion. The website is made available and accessible to everyone. Make sure that whatever device you’re using, it’s connected to the reliable internet. You can use your computer or smartphone to access a safe web browser to let you use the online converter tool of PDFBear.

Moreover, the website is safe to use for any file conversion. When you upload your files on the converter tool online, the system will process the file conversion to a file format you need. Then, the PDFBear system will delete all uploaded files for the security of the information they contain. Hence, you’ll have peace of mind when using the PDFBear for file conversion.

Quick Process

PDFBear is smart technology in processing any file conversion. Other platforms will require you to use any third-party software or apps to make the conversion be successfully done. However, PDFBear will provide you with access to a one-stop website for all your electronic files. Again, it won’t take much of your time. It’ll usually take a few seconds, depending on how many files you’re converting.

Takeaway

Dealing with tons of electronic files isn’t an easy task for anyone who has a hectic schedule every day. You might be needing a particular file format for your presentation in business meetings or conferences. PDFBEar will be of great help to you. Wherever you are during your free time, you can always access the PDFBear online converter tool so that you can have your files converted quickly. It’ll surely give you convenience for whatever PDFBear can do for you with your electronic files.

If you are running a factory or small operation and you need new parts for machines, where is the best place to go? You could of course look to buy from the company which built it but much like cars and the vehicles, you are looking at paying a premium for those parts. Another option is to hit Google and have a look for ‘machine shops near me’ but that may not be the best way for you to find a place which is specifically making the parts which you are looking for, which of course may be very specialized. There are a number of options for you to try here, give these a go before you start blindly looking online.

Partners

There is nothing to stop you from speaking to clients and partners to find out if they use similar machinery, you never know, they may have spare parts lying around. There is a real waste not want not attitude in the factory game and that is why you may get a bit of luck if you start phoning round. There is rarely competition here because most factories are using their assembly lines for different things, so you may very well be in luck.

Forums

There are forums online for just about everything and I would start on a general factory forum, and you may even find a forum which is dedicated to the type of machine which you have. Through forums you can meet people from all over the world who may be able to put you in touch with someone who sells the machine or parts for it. This could also be a great way of making contacts which may serve you at a later date.

Re-seller

Another option is to contact the original manufacturer as they may have a number of registered re-sellers who you can buy parts from. Sometimes these may be reconditioned parts which come at a slightly lower cost but they could very well be what you need.

Custom Made

What you could certainly have a look online for is a company which custom makes parts for machines, this could be the best option to get a apr which is almost identical to that which you need, and the cost can often be lower than what the original manufacturer may be charging. There are some incredible companies out there who are able to manufacture parts which look identical to what the original is, or at least close enough that you machinery will be back up and running again in no time at all.

Speak with your contacts, seek out second hand parts, look to create relationships with custom machinery makers and get involved in some forums online to see what you may be ablate find. There are lots of options for you, spread yourself thin and you’ll be able to get those parts that you need in no time at all, to get things moving again.

Everyone wants to live a healthy life when they retire. Being “broke” is one major fear most people have about retirement. Without finance, retirement won’t be a joyful period. Hence, it is important to take decisive steps as you prepare for retirement.

The thought of being financially bankrupt can affect the health of retirees. A healthy life will cost money, at least, you’ll have fewer things to worry about. So, it is wise you start investing for your retirement. We won’t make a detailed financial research (in case you need it you can contact 123Termpapers.com), but the following tips will surely help you to get started.

• Accumulate Interest

When you retire, you start getting fixed income. You might have made lots of savings or start earning retirement benefits. These are great, but considering the economic state of the world, you need something more.

Living a comfortable life after retirement would require more than your savings. Even your social security checks won’t do as much except you change your lifestyle. Therefore, it is better to learn to accumulation interest any time you save. This accumulation is done through compound interest, which is interest earned on another investment.

• Leverage On Tax Incentives

You can benefit from the 401k, which helps you save or invest without tax payments. You can also make upfront tax payment through your IRA. So you can make your choice on the plan you want. You choose when you want your tax break.

The 401k and the IRA both help support retirement finance even though they’re different. Employed people usually have a 401k since it comes from their workplace. Self-employed people or those whose work on their own don’t have 401k, but often go with an IRA.

• Health-Related Issues

Money can’t buy health, but it can provide the needed condition for good health. Money can provide healthy food and a healthy lifestyle that would help you live healthier. With the right kind of dieting, some ailments can be prevented.

You can also benefit from regular check-ups and early treatment of diseases. A good retirement investment can help take care of your medical bills, and this realization leaves you with fewer worries over your health.

Health-related issues usually accompany aging because the organs are now getting weaker. A healthy mind can result in a healthier body. The truth is that you worry less when you have funds.

• Don’t Depend On Just Saving

The truth is that your savings won’t be enough to see you through retirement. It would be best if you had something extra to enjoy a quality lifestyle when you retire. This additional backup would cost money, considering how long you would live after retirement. These things point to the fact that you cannot save enough.

You ought to take your investment more seriously. You must have seen the picture or know people who are still happy after retirement. They go on trips and start new hobbies. They don’t come cheap. You need to take decisive steps towards investment if you want that type of lifestyle too.

• Prepare For The Unexpected

Unplanned and unexpected occurrences happen in life. Most of the things that have occurred in our lives were not planned for. When approaching the retirement period, many start getting scared of the unknown.

No more stable income, no more youthful vigor, body organs becoming increasingly weaker, and more worries occupy the mind. These fears are not unusual. They are a part of life; that is why it is essential to prepare for unknown occurrences.

Conclusion

Your investment gives you the confidence to face the future. You’ll have fewer fears knowing something is in motion somewhere. The decisions you make now would also be significant determiners when you retire.

Take the bold step by initiating investment for your future. Your investment can also outlive you. Your children can also benefit from the decisions you make now. There is a high level of confidence in knowing that your financial future is secured.

The advanced technological tools and internet facility has created a new opportunity for businesses to get a quick online business loan. Loans are a mandatory entity for businesses to carry on smooth cash flow and hold the business in a crashed market time. The urgency of the loan for a business depends upon various factors that include unpredictable losses, competition in the market, poor business performance and many others. However, it is a common fact that a loan is an urgent time requirement; therefore; every business needs it as soon as possible. The online business facility is perfectly meeting the demands of business to get a quick loan.

The traditional loans that include bank loans and other investment loans take a long procedure. Nowadays, the opportunity slips away in a single second; therefore, only a fast loan is helpful. It takes a lot of time to complete every single document while applying for an offline business loan. Businesses do not have enough time to carry all these procedures. Moreover, once the documentation is completed and a business loan application is submitted, even after then it takes much time to get the loan. Briefly, fast-changing business dynamics make traditional loans an obsolete option.

All types of businesses, either small or large, are always in need of business loans. This is often thought that business loans are only taken or needed by small scale businesses, which is very wrong. The structure, nature, and dynamics of business are the same for all types of businesses, and size only modifies quantity. Therefore, online business loans are a beneficial thing for all types of businesses.

WHAT ARE THE CHANCES OF GETTING AN ONLINE BUSINESS LOAN?

The efficient processing and timely availability of online business loans attract many competent businesses towards it. It means that there is a high competition for getting an online business loan. However, high competition does not lower the chances of getting an online business loan. The good news is that the number of Online Business Loan Lenders is well enough to offer online loans for all deserving businesses. There is much optimism for all the striving business companies, who have the potential to prove their worth to get an online business loan.

BENEFITS OF ONLINE BUSINESS LOAN

There has been an increase in the number of businesses applying for online loans and the main reason behind this trend is the benefits of these loans. Here are some of the main benefits that make the online business loan the first choice of modern era businesses.

Easy procedures

Time is the most precious entity in the world, and online business loan keeps this point under considerations. Every step from the initial step to the final application submission is online. The online procedures cut-off time wastages, and makes it possible for the businesses to work on online business forms alongside their daily businesses work. There are many conveniences in online business loans as compared to traditional loans. One needs a good amount of time to apply for a traditional business loan. It is almost not possible for a business to keep up the normal business work alongside applying for a traditional business loan.

Flexible plans

Unlike a bank loan, online business loan offers a variety of business loans with more flexible plans. Almost every business person is aware of bank loans; they come in specific plans. Moreover, the variety and amount of business are rigid. On the other hand, online business loans are versatile, holding a capacity to accommodate different requirements set with a business loan. An online business loan is a modern era solution for business to meet their needs. Hence, it offers more suitable and efficient loans than traditional loans. It is hard for small businesses to earn a bank loan. Whereas; all sizes of businesses can avail of online business loans. A business can choose a loan plan according to its needs and urgency. Briefly, online business loans are more update loan schemes for businesses to coup up with the urgent needs of a modern era business.

Merit-based loans allotment

One major benefit of online business loans is that merit is the only criterion on which loan applications are assessed. If a business company has the potential to make a good result of an online loan, then it gets the loan. Every single step of the loan application is online, which ensures transparency in the process. One may have trust issues with traditional business loan applications as there is no confirmation or clear knowledge about the loan application processing. Moreover, it is a common fact that the online system is more transparent than any traditional way of processing. All business must show their full strengths and abilities to score an online business loan.

THINGS TO DO BEFORE APPLYING FOR AN ONLINE BUSINESS LOAN

Any business company that wants to earn an online business loan must understand and apply these important points before applying for a loan. This will increase the chance of getting a business loan more conveniently.

Business period

Online business lenders look into the time a business has been in the market. Usually, there are more chances for a business to get a loan with more time spent in the market. A business working for a long time has more connections and has a greater market share in the market. However, this is just one factor that can affect the chances of getting an online loan. Therefore, it is important for businesses to properly show their time in the market to score a loan.

Online business loans are abundant.

There are lots of online loan lenders for businesses that offer amazing loan plans. The increasing demand for online loans has boosted the number of investors in the field. One should do thorough research about the terms and conditions and plans of different online loan lenders. This will offer a good idea about interest rates and the timely availability of a business loan. Few businesses lack research about these loans and often fail to get a suitable loan for their business. Moreover, it is not wise to apply for a loan from lenders, who already have a higher influx of loan applications. The best policy is to search for the right plan and select the lender that has a low number of loan applications.

It is not wise to just stick to one lender and waste your time.

Online business loans are a little expensive.

It is a fact that online business loans have higher interest rates than bank loans or another traditional business loan, but this is justifiable. The quick processing and low time investment to get an online loan is one main reason to justify its higher interest rates. Secondly, all online business loans are way riskier than a traditional loan. Therefore, lenders have covered up the risk factor with higher interest rates. Finally, the timely availability of this loan makes it more preferable over a traditional loan. Hence if one has to pay a little more interest, it is ok.

WRAPPING UP

Online business loans are a modern era facility for all types of businesses. This loan is easy to apply and quick to get that makes it best fits for the current fast-paced business world. A variety of loan plans and lots of online loan lenders make this loan the first choice of businesses. The benefits of the online business loan include easy application processing, flexible plans, and timely disbursement of the loan. Moreover, one can apply for this loan without disturbing routine business work. These loans have higher interest rates than traditional business loans, but it is justifiable due to the convenience they offer.

 

Ali Ata has spent his career in real estate investment, he began working as a real estate agent in his younger days and in the last decade he has switched his focus to the buying and selling of luxury real estate. He is then the perfect person to offer advice to beginners who are just about to embark on their real estate investment career. Real estate investment is a great way to put your money to work and it offers a stable and diverse market for investors. Before you get started, here are some tips which Ali believes you should pay attention to before you part with a single cent.

Homework

Because of the large amounts of money that are involved in real estate investment, you can’t afford to make any mistakes and that is why now is the optimum time for you to get researching. Expect to spend at least 3 months learning about this industry and how you will operate within it. You should be looking at the market in various locations, which impacts the price of houses and how the market moves. You should also focus on what trends there are at the moment and which real estate property types are the easiest to sell and rent out. The more information you gather now, the better your chances are of success once you get started.

Making Contacts

Once you get started in real estate investment you are going to need to call upon many different services with regularity and that is why it is important that you use this time to make some contacts. For example, you will need lawyers and a solicitor on your team, you may also need workmen and construction companies and these services are going to give you much more favorable deals and prices if you have a relationship with them.

Understanding What Type of Investor You Will Be

There are many ways to make money in real estate and knowing what type of investor you plan to be is also going to be helpful once you get started. For example, you may wish to flip properties that involve buying them cheap, investing money to get them up to scratch and then selling them on for a small profit. Alternatively, you may wish to look for a long term investment and rent out the property or properties over a number of years. The choice is, of course, yours but deciding now will help you to get an idea of how to get started.

Cash

Finally, you have to align your finances and know exactly what you can afford to spend on your first property. Plan well as that cash will be tied up in an asset and you don’t want to restrict your ability to invest capital elsewhere. Make sure that you always leave money in your account as in this game there are always additional things to pay for which you may not have foreseen.

 

The term ‘below the fold’ describes the portion of a web page that can only be seen once you’ve scrolled down. The digital marketing conventional wisdom is that above the fold content gets more attention and is therefore more valuable than below the fold content. Positioning of content on a web page affects the way users interact and engage with it. Content which is below the fold is hidden to the user at the time when the page first loads. So, if they leave the page before they scroll down, they will never see it.

Data generated from several studies indicates that the placing ads and content below the fold on a webpage radically reduces the likelihood of being viewed. Digital marketing advertisements which are above the fold have approximately a 73% viewability while ads that are located below the fold have a 44% viewability. In the advertising and digital marketing world, an ad is deemed to be a ‘viewable impression’ if no less than 50% of its pixels are seen on a user’s screen for at least one second. Owing to its reduced visibility, ads which are placed below the fold typically generate less ad revenue as opposed to those that appear at the top of the page.

Businesses which sell advertising on their websites typically charge a discounted price for placement below the fold because of its lower visibility.

The online advertising has been sluggish in adopting technology that ensures an impression is actually an impression – in other words that a real live human user has viewed the creative. The challenge with counting impressions, with no thought to taking viewability into account, is that the advertiser is regularly paying for inventory that isn’t being seen by people.

The notion of viewable impressions provides a superior metric that captures how many ads are being seen in a better format. Recognising that the ad is being seen gives advertisers the option of more precisely measuring ad performance. The move from impressions served to impressions viewed indicates that ad placement and ad performance are essential metrics for publishers to keep track of in order to maximise their advertising marketing revenue.

How Is Below the Fold Calculated?

It is not possible to define the exact placement for the fold on a webpage as its exact location can change according to screen resolution, browser and screen sizes for phones, tablets as well as computer monitors.

When gauging an average fold placement, most web designers are still in agreement that the fold line is at roughly 1 000 pixels wide and 600 pixels tall. This is the ideal scenario for the most common monitor/browser combination of 1024×786 pixels when the browser window maximised and there are no installed toolbars at the top which will push the content down.

Does the fold really matter these days?

If one takes a look at few of the largest e-commerce website’s mobile versions, it is possible to see how they handle the fold. For a good many years the most common dimension for websites was 1024×768, as we’ve mentioned previous in this article. With the increase in popularity of mobile devices (more than half of Google’s traffic comes from mobile devices) new dimensions are becoming ever more common, such as 320×568 in addition to 360×640.

Mobile devices offer a wide variety of screen sizes. The user’s needs for each of these devices and screen dimensions have its own unique set of requirements as well as limitations.

Another consideration is that mobile phone users generally browse in portrait mode as opposed to in landscape mode. Users on tablets and computers usually browsing in horizontal mode. With so many individuals accessing web pages using such a variety of devices, current website design practices entail making use of responsive design like making use of flexible layouts, images as well as cascading style sheets.

What is responsive web design?

With responsive design, page layout is not fixed. Content reflows to any-sized screen and responsive web pages respond to the environment where they are consumed or browsed. While the significant content still needs to be higher on the page, today the pages should be designed to entice users to scroll in order that they don’t miss out on valuable content.

Heatmap programs can be useful to determine scroll-depth (in other words how far down users scroll) in addition to where your users are clicking on a page. Once you understand how users are navigating your site, it is possible for you to then begin A/B testing as well as experiment with different layouts in order to improve your user experience and maximise your conversion goals.