BrevardSeo Social Media Page http://feed.informer.com/digests/KXOPYUBKCD/feeder BrevardSeo Social Media Page Respective post owners and feed distributors Wed, 12 Jul 2017 01:09:19 +0000 Feed Informer http://feed.informer.com/ What Google's GDPR Compliance Efforts Mean for Your Data: Two Urgent Actions http://tracking.feedpress.it/link/9375/9220707 Moz Blog urn:uuid:e58724bf-6de3-80b4-2ce7-4e94f2138630 Mon, 21 May 2018 00:45:00 +0000 <p>Posted by <a href=\"https://moz.com/community/users/21379\">willcritchlow</a></p><p>It should be quite obvious for anyone that knows me that I’m not a lawyer, and therefore that what follows is not legal advice. For anyone who doesn’t know me: I’m not a lawyer, I’m certainly not <em>your</em> lawyer, and what follows is definitely not legal advice. </p><p>With that out of the way, I wanted to give you some bits of information that might feed into your GDPR planning, as they come up more from the marketing side than the pure legal interpretation of your obligations and responsibilities under this new legislation. While most legal departments will be considering the direct impacts of the GDPR on their own operations, many might miss the impacts that other companies’ (namely, in this case, Google’s) compliance actions have on your data. </p><p>But I might be getting a bit ahead of myself: it’s quite possible that not all of you know what the GDPR is, and why or whether you should care. If you do know what it is, and you just want to get to my opinions, go ahead and <a href="#consequences">skip down the page</a>. </p><h2>What is the GDPR?</h2><p>The tweet-length version is that the GDPR (General Data Protection Regulation) is new EU legislation covering data protection and privacy for EU citizens, and it applies to all companies offering goods or services to people in the EU. </p><p>Even if you aren’t based in the EU, it applies to your company if you have customers who are, and it has teeth (fines of up to the greater of 4% of global revenue or EUR20m). It comes into force on May 25. You have probably heard about it through the myriad organizations who put you on their email list without asking and are now emailing you to “opt back in.” </p><p>In most companies, it will not fall to the marketing team to research everything that has to change and achieve compliance, though it is worth getting up to speed with at least the <a href="https://blog.ometria.com/expert-opinion-six-things-all-ecommerce-marketers-should-know-about-gdpr" target="_blank">high-level outline</a> and in particular its requirements around <a href="https://united-kingdom.taylorwessing.com/globaldatahub/article-understanding-consent-under-the-gdpr.html" target="_blank">informed consent,</a> which is: </p><blockquote><em>"...any freely given, specific, informed, and unambiguous indication of the data subject's wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her."</em> </blockquote><p>As always, when laws are made about new technology, there are many questions to be resolved, and indeed, jokes to be made: </p><blockquote class="twitter-tweet" data-lang="en">Can you recommend a GDPR expert?<br>-yes<br>Can I have their email address?<br>-no<br>— Adam Cleevely (@ACleevely) <a href="https://twitter.com/ACleevely/status/991800029190021125?ref_src=twsrc%5Etfw">May 2, 2018</a></blockquote><script rel="display: none;" async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script><p>But my post today isn’t about what you should do to get compliant — that’s specific to your circumstances — and a ton has been written about this already: </p><ul> <li>I’ve found value in the content Ometria has produced on this front, e.g. <a href="https://blog.ometria.com/expert-opinion-six-things-all-ecommerce-marketers-should-know-about-gdpr" target="_blank">6 things e-commerce marketers should know about GDPR</a> and their <a href="https://pages.ometria.com/gdpr-guide/" target="_blank">deeper GDPR guide</a> (registration required)</li> <li>If you work in the area, this <a href="https://blog.bufferapp.com/gdpr-social-media" target="_blank">GDPR impact on social</a> post from Buffer will get you up to speed there</li> <li>And for the paid marketers among us, this <a href="https://www.wordstream.com/blog/ws/2018/05/14/adwords-gdpr" target="_blank">GDPR impact on AdWords</a> article from WordStream is what you need</li> </ul><p>My intention is not to write a general guide, but rather to warn you about two specific things you should be doing with analytics (Google Analytics in particular) as a result of changes Google is making because of GDPR. </p><h2 id="consequences">Unexpected consequences of GDPR</h2><p>When you deal directly with a person in the EU, and they give you personally identifiable information (PII) about themselves, you are typically in what is called the "data controller" role. The GDPR also identifies another role, which it calls "data processor," which is any other company your company uses as a supplier and which handles that PII. When you use a product like Google Analytics on your website, Google is taking the role of data processor. While most of the restrictions of the GDPR apply to you as the controller, the processor must also comply, and it’s here that we see some potentially unintended (but possibly predictable) consequences of the legislation. </p><p>Google is unsurprisingly seeking to minimize their risk (I say it’s unsurprising because those GDPR fines could be as large as $4.4 billion based on last year’s revenue if they get it wrong). They are doing this firstly by pushing as much of the obligation onto you (the data controller) as possible, and secondly, by going further by default than the GDPR requires and being more aggressive than the regulation requires in shutting down accounts that infringe their terms (regardless of whether the infringement also infringes the GDPR). </p><p>This is entirely rational — with GA being in most cases a product offered for free, and the value coming to Google entirely in the aggregate, it makes perfect sense to limit their risks in ways that don’t degrade their value, and to just kick risky setups off the platform rather than taking on extreme financial risk for individual free accounts. </p><p>It’s not only Google, by the way. There are other suppliers doing similar things which will no doubt require similar actions, but I am focusing on Google here simply because GA is pervasive throughout the web marketing world. Some companies are even going as far as <a href="https://techcrunch.com/2018/05/05/unroll-me-to-close-to-eu-users-saying-it-cant-comply-with-gdpr/" target="_blank">shutting down entirely for EU citizens (like unroll.me)</a>. See this <a href="https://twitter.com/mikko/status/992664356344221696" target="_blank">Twitter thread of others</a>.</p><h3>Consequence 1: Default data retention settings for GA will delete your data</h3><p>Starting on May 25, Google will be changing the default for data retention, meaning that if you don’t take action, certain data older than the cutoff will be automatically deleted. </p><p>You can read more about the details of the change on <a href="http://www.kristaseiden.com/new-data-retention-policies-in-google-analytics/" target="_blank">Krista Seiden’s personal blog</a> (Krista works at Google, but this post is written in her personal capacity). </p><p>The reason I say that this isn’t strictly a GDPR thing is that it is related to changes Google is making on their end to ensure that they comply with their obligations as a data processor. It gives you tools you <em>might</em> need but isn’t strictly related to your GDPR compliance. There is no particular “right” answer to the question of how long you need to/should be/are allowed to keep this data stored in GA under the GDPR, but by my reading, given that it shouldn’t be PII anyway (see below) it isn’t really a GDPR question for most organizations. In particular, there is no particular reason to think that Google’s default is the correct/mandated/only setting you can choose under the GDPR. </p><p><strong>Action: Review the promises being made by your legal team and your new privacy policy to understand the correct timeline setting for your org. </strong>In the absence of explicit promises to your users, my understanding is that you can retain any of this data you were allowed to capture in the first place unless you receive a deletion request against it. So while most orgs will have at least some changes to make to privacy policies at a minimum, <em>most</em> GA users can change back to retain this data indefinitely.</p><h3>Consequence 2: Google is deleting GA accounts for capturing PII</h3><p>It has long been against the Terms of Service to store any personally identifiable information (PII) in Google Analytics. Recently, though, it appears that Google has become far more diligent in checking for the presence of PII and robust in their handling of accounts found to contain any. Put more simply, <strong>Google will delete your account if they find PII.</strong></p><p>It’s impossible to know for sure that this is GDPR-related, but being able if necessary to demonstrate to regulators that they are taking strict actions against anyone violating their PII-related terms is an obvious move for Google to reduce the risk they face as a Data Processor. It makes particular sense in an area where the vast majority of accounts are free accounts. Much like the previous point, and the reason I say that this is related to Google’s <em>response</em> to the GDPR coming into force, is that it would be perfectly possible to get your users’ permission to record their data in third-party services like GA, and fully comply with the regulations. Regardless of the permissions your users give you, Google’s GDPR-related crackdown (and heavier enforcement of the related terms that have been present for some time) means that it’s a new and greater risk than it was before. </p><p><strong>Action: Audit your GA profile and implementation for PII risks: </strong></p><ul> <li>There are various ways you can search within GA itself to find data that could be personally identifying in places like page titles, URLs, custom data, etc. (see these two <a href="http://www.cardinalpath.com/what-you-need-to-know-about-google-analytics-personally-identifiable-information/" target="_blank">excellent</a> <a href="https://www.lunametrics.com/blog/2017/11/02/find-personally-identifiable-data-google-analytics/" target="_blank">guides</a>)</li> <li>You can also audit your implementation by reviewing rules in tag manager and/or reviewing the code present on key pages. The most likely suspects are the places where people log in, take key actions on your site, give you additional personal information, or check out</li> </ul><h2>Don’t take your EU law advice from big US tech companies</h2><p>The internal effort and coordination required at Google to do their bit to comply even “just” as data processor is significant. Unfortunately, there are strong arguments that this kind of ostensibly user-friendly regulation which incurs outsize compliance burdens on smaller companies will <a href="https://stratechery.com/2018/open-closed-and-privacy/" target="_blank">cement the duopoly and dominance of Google and Facebook</a> and enables them to pass the costs and burdens of compliance onto <a href="https://martechtoday.com/four-publisher-groups-to-google-your-gdpr-proposal-severely-falls-short-214870" target="_blank">sectors that are already struggling</a>. </p><p>Regardless of the intended or unintended consequences of the regulation, it seems clear to me that we shouldn’t be basing our own businesses’ (and our clients’) compliance on self-interested advice and actions from the tech giants. No matter how impressive their own compliance, I’ve been hugely underwhelmed by guidance content they’ve put out. See, for example, <a href="https://privacy.google.com/businesses/compliance/#?modal_active=none" target="_blank">Google’s GDPR “checklist”</a> — not exactly what I’d hope for: </p><p class="full-width"><img src="http://d2v4zi8pl64nxt.cloudfront.net/two-urgent-gdpr-actions/5b026fd12b3957.02022927.png" alt="Client Checklist: As a marketer we know you need to select products that are compliant and use personal data in ways that are compliant. We are committed to complying with the GDPR and would encourage you to check in on compliance plans within your own organisation. Key areas to think about: How does your organisation ensure user transparency and control around data use? Do you explain to your users the types of data you collect and for what purposes? Are you sure that your organisation has the right consents in place where these are needed under the GDPR? Do you have all of the relevant consents across your ad supply chain? Does your organisation have the right systems to record user preferences and consents? How will you show to regulators and partners that you meet the principles of the GDPR and are an accountable organisation?" "=""> </p><p>So, while I’m not a lawyer, definitely not your lawyer, and this is not legal advice, if you haven’t already received any advice, I can say that you probably can’t just follow Google’s checklist to get compliant. But you should, as outlined above, take the specific actions you need to take to protect yourself and your business from their compliance activities. </p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p> <p>Posted by <a href=\"https://moz.com/community/users/21379\">willcritchlow</a></p><p>It should be quite obvious for anyone that knows me that I’m not a lawyer, and therefore that what follows is not legal advice. For anyone who doesn’t know me: I’m not a lawyer, I’m certainly not <em>your</em> lawyer, and what follows is definitely not legal advice. </p><p>With that out of the way, I wanted to give you some bits of information that might feed into your GDPR planning, as they come up more from the marketing side than the pure legal interpretation of your obligations and responsibilities under this new legislation. While most legal departments will be considering the direct impacts of the GDPR on their own operations, many might miss the impacts that other companies’ (namely, in this case, Google’s) compliance actions have on your data. </p><p>But I might be getting a bit ahead of myself: it’s quite possible that not all of you know what the GDPR is, and why or whether you should care. If you do know what it is, and you just want to get to my opinions, go ahead and <a href="#consequences">skip down the page</a>. </p><h2>What is the GDPR?</h2><p>The tweet-length version is that the GDPR (General Data Protection Regulation) is new EU legislation covering data protection and privacy for EU citizens, and it applies to all companies offering goods or services to people in the EU. </p><p>Even if you aren’t based in the EU, it applies to your company if you have customers who are, and it has teeth (fines of up to the greater of 4% of global revenue or EUR20m). It comes into force on May 25. You have probably heard about it through the myriad organizations who put you on their email list without asking and are now emailing you to “opt back in.” </p><p>In most companies, it will not fall to the marketing team to research everything that has to change and achieve compliance, though it is worth getting up to speed with at least the <a href="https://blog.ometria.com/expert-opinion-six-things-all-ecommerce-marketers-should-know-about-gdpr" target="_blank">high-level outline</a> and in particular its requirements around <a href="https://united-kingdom.taylorwessing.com/globaldatahub/article-understanding-consent-under-the-gdpr.html" target="_blank">informed consent,</a> which is: </p><blockquote><em>"...any freely given, specific, informed, and unambiguous indication of the data subject's wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her."</em> </blockquote><p>As always, when laws are made about new technology, there are many questions to be resolved, and indeed, jokes to be made: </p><blockquote class="twitter-tweet" data-lang="en">Can you recommend a GDPR expert?<br>-yes<br>Can I have their email address?<br>-no<br>— Adam Cleevely (@ACleevely) <a href="https://twitter.com/ACleevely/status/991800029190021125?ref_src=twsrc%5Etfw">May 2, 2018</a></blockquote><script rel="display: none;" async="" src="https://platform.twitter.com/widgets.js" charset="utf-8"></script><p>But my post today isn’t about what you should do to get compliant — that’s specific to your circumstances — and a ton has been written about this already: </p><ul> <li>I’ve found value in the content Ometria has produced on this front, e.g. <a href="https://blog.ometria.com/expert-opinion-six-things-all-ecommerce-marketers-should-know-about-gdpr" target="_blank">6 things e-commerce marketers should know about GDPR</a> and their <a href="https://pages.ometria.com/gdpr-guide/" target="_blank">deeper GDPR guide</a> (registration required)</li> <li>If you work in the area, this <a href="https://blog.bufferapp.com/gdpr-social-media" target="_blank">GDPR impact on social</a> post from Buffer will get you up to speed there</li> <li>And for the paid marketers among us, this <a href="https://www.wordstream.com/blog/ws/2018/05/14/adwords-gdpr" target="_blank">GDPR impact on AdWords</a> article from WordStream is what you need</li> </ul><p>My intention is not to write a general guide, but rather to warn you about two specific things you should be doing with analytics (Google Analytics in particular) as a result of changes Google is making because of GDPR. </p><h2 id="consequences">Unexpected consequences of GDPR</h2><p>When you deal directly with a person in the EU, and they give you personally identifiable information (PII) about themselves, you are typically in what is called the "data controller" role. The GDPR also identifies another role, which it calls "data processor," which is any other company your company uses as a supplier and which handles that PII. When you use a product like Google Analytics on your website, Google is taking the role of data processor. While most of the restrictions of the GDPR apply to you as the controller, the processor must also comply, and it’s here that we see some potentially unintended (but possibly predictable) consequences of the legislation. </p><p>Google is unsurprisingly seeking to minimize their risk (I say it’s unsurprising because those GDPR fines could be as large as $4.4 billion based on last year’s revenue if they get it wrong). They are doing this firstly by pushing as much of the obligation onto you (the data controller) as possible, and secondly, by going further by default than the GDPR requires and being more aggressive than the regulation requires in shutting down accounts that infringe their terms (regardless of whether the infringement also infringes the GDPR). </p><p>This is entirely rational — with GA being in most cases a product offered for free, and the value coming to Google entirely in the aggregate, it makes perfect sense to limit their risks in ways that don’t degrade their value, and to just kick risky setups off the platform rather than taking on extreme financial risk for individual free accounts. </p><p>It’s not only Google, by the way. There are other suppliers doing similar things which will no doubt require similar actions, but I am focusing on Google here simply because GA is pervasive throughout the web marketing world. Some companies are even going as far as <a href="https://techcrunch.com/2018/05/05/unroll-me-to-close-to-eu-users-saying-it-cant-comply-with-gdpr/" target="_blank">shutting down entirely for EU citizens (like unroll.me)</a>. See this <a href="https://twitter.com/mikko/status/992664356344221696" target="_blank">Twitter thread of others</a>.</p><h3>Consequence 1: Default data retention settings for GA will delete your data</h3><p>Starting on May 25, Google will be changing the default for data retention, meaning that if you don’t take action, certain data older than the cutoff will be automatically deleted. </p><p>You can read more about the details of the change on <a href="http://www.kristaseiden.com/new-data-retention-policies-in-google-analytics/" target="_blank">Krista Seiden’s personal blog</a> (Krista works at Google, but this post is written in her personal capacity). </p><p>The reason I say that this isn’t strictly a GDPR thing is that it is related to changes Google is making on their end to ensure that they comply with their obligations as a data processor. It gives you tools you <em>might</em> need but isn’t strictly related to your GDPR compliance. There is no particular “right” answer to the question of how long you need to/should be/are allowed to keep this data stored in GA under the GDPR, but by my reading, given that it shouldn’t be PII anyway (see below) it isn’t really a GDPR question for most organizations. In particular, there is no particular reason to think that Google’s default is the correct/mandated/only setting you can choose under the GDPR. </p><p><strong>Action: Review the promises being made by your legal team and your new privacy policy to understand the correct timeline setting for your org. </strong>In the absence of explicit promises to your users, my understanding is that you can retain any of this data you were allowed to capture in the first place unless you receive a deletion request against it. So while most orgs will have at least some changes to make to privacy policies at a minimum, <em>most</em> GA users can change back to retain this data indefinitely.</p><h3>Consequence 2: Google is deleting GA accounts for capturing PII</h3><p>It has long been against the Terms of Service to store any personally identifiable information (PII) in Google Analytics. Recently, though, it appears that Google has become far more diligent in checking for the presence of PII and robust in their handling of accounts found to contain any. Put more simply, <strong>Google will delete your account if they find PII.</strong></p><p>It’s impossible to know for sure that this is GDPR-related, but being able if necessary to demonstrate to regulators that they are taking strict actions against anyone violating their PII-related terms is an obvious move for Google to reduce the risk they face as a Data Processor. It makes particular sense in an area where the vast majority of accounts are free accounts. Much like the previous point, and the reason I say that this is related to Google’s <em>response</em> to the GDPR coming into force, is that it would be perfectly possible to get your users’ permission to record their data in third-party services like GA, and fully comply with the regulations. Regardless of the permissions your users give you, Google’s GDPR-related crackdown (and heavier enforcement of the related terms that have been present for some time) means that it’s a new and greater risk than it was before. </p><p><strong>Action: Audit your GA profile and implementation for PII risks: </strong></p><ul> <li>There are various ways you can search within GA itself to find data that could be personally identifying in places like page titles, URLs, custom data, etc. (see these two <a href="http://www.cardinalpath.com/what-you-need-to-know-about-google-analytics-personally-identifiable-information/" target="_blank">excellent</a> <a href="https://www.lunametrics.com/blog/2017/11/02/find-personally-identifiable-data-google-analytics/" target="_blank">guides</a>)</li> <li>You can also audit your implementation by reviewing rules in tag manager and/or reviewing the code present on key pages. The most likely suspects are the places where people log in, take key actions on your site, give you additional personal information, or check out</li> </ul><h2>Don’t take your EU law advice from big US tech companies</h2><p>The internal effort and coordination required at Google to do their bit to comply even “just” as data processor is significant. Unfortunately, there are strong arguments that this kind of ostensibly user-friendly regulation which incurs outsize compliance burdens on smaller companies will <a href="https://stratechery.com/2018/open-closed-and-privacy/" target="_blank">cement the duopoly and dominance of Google and Facebook</a> and enables them to pass the costs and burdens of compliance onto <a href="https://martechtoday.com/four-publisher-groups-to-google-your-gdpr-proposal-severely-falls-short-214870" target="_blank">sectors that are already struggling</a>. </p><p>Regardless of the intended or unintended consequences of the regulation, it seems clear to me that we shouldn’t be basing our own businesses’ (and our clients’) compliance on self-interested advice and actions from the tech giants. No matter how impressive their own compliance, I’ve been hugely underwhelmed by guidance content they’ve put out. See, for example, <a href="https://privacy.google.com/businesses/compliance/#?modal_active=none" target="_blank">Google’s GDPR “checklist”</a> — not exactly what I’d hope for: </p><p class="full-width"><img src="http://d2v4zi8pl64nxt.cloudfront.net/two-urgent-gdpr-actions/5b026fd12b3957.02022927.png" alt="Client Checklist: As a marketer we know you need to select products that are compliant and use personal data in ways that are compliant. We are committed to complying with the GDPR and would encourage you to check in on compliance plans within your own organisation. Key areas to think about: How does your organisation ensure user transparency and control around data use? Do you explain to your users the types of data you collect and for what purposes? Are you sure that your organisation has the right consents in place where these are needed under the GDPR? Do you have all of the relevant consents across your ad supply chain? Does your organisation have the right systems to record user preferences and consents? How will you show to regulators and partners that you meet the principles of the GDPR and are an accountable organisation?" "=""> </p><p>So, while I’m not a lawyer, definitely not your lawyer, and this is not legal advice, if you haven’t already received any advice, I can say that you probably can’t just follow Google’s checklist to get compliant. But you should, as outlined above, take the specific actions you need to take to protect yourself and your business from their compliance activities. </p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p><img src="http://feedpress.me/9375/9220707.gif" height="1" width="1"/> GDPR: What it Means for Google Analytics &amp; Online Marketing http://tracking.feedpress.it/link/9375/9220491 Moz Blog urn:uuid:3a161f53-2ec0-c7b5-9cde-b18068153521 Mon, 21 May 2018 00:19:00 +0000 <p>Posted by <a href=\"https://moz.com/community/users/4196999\">Angela_Petteys</a></p><p>If you’ve been on the Internet at all in the past few months, you’ve probably seen plenty of notices about privacy policy updates from one service or another. As a marketer, a few of those notices have most likely come from Google. </p><p>With the General Data Privacy Regulation (GDPR) set to go into effect on May 25th, 2018, many Internet services have been scrambling to get in compliance with the new standards — and Google is no exception. Given the nature of the services Google provides to marketers, GDPR absolutely made some significant changes in how they conduct business. And, in turn, some marketers may have to take steps to make sure their use of Google Analytics is allowable under the new rules. But a lot of marketers aren’t entirely sure what exactly GDPR is, what it means for their jobs, and what they need to do to follow the rules. </p><h2>What is GDPR?</h2><p>GDPR is a very broad reform that gives citizens who live in the European Economic Area (EEA) and Switzerland more control over how their personal data is collected and used online. GDPR introduces a lot of new rules and if you’re up for a little light reading, you can check out the <a href="http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32016R0679&from=EN" target="_blank">full text of the regulation</a> online. But here are a few of the most significant changes:</p><ul><li>Companies and other organizations have to be more transparent and clearly state what information they’re collecting, what it will be used for, how they’re collecting it, and if that information will be shared with anyone else. They can also only collect information that is directly relevant for its intended use. If the organization collecting that information later decides to use it for a different purpose, they must get permission again from each individual.</li><li>GDPR also spells out how that information needs to be given to consumers. That information can no longer be hidden in long privacy policies filled with legal jargon. The information in disclosures needs to be written in plain language and “freely given, specific, informed, and unambiguous.” Individuals also have to take an action which clearly gives their consent to their information being collected. Pre-checked boxes and notices that rely on inaction as a way of giving consent will no longer be allowed. If a user does not agree to have their information collected, you cannot block them from accessing content based on that fact.</li><li>Consumers also have the right to see what information a company has about them, request that incorrect information be corrected, revoke permission for their data to be saved, and have their data exported so they can switch to another service. If someone decides to revoke their permission, the organization needs to not only remove that information from their systems in a timely manner, they also need to have it removed from anywhere else they’ve shared that information.</li><li>Organizations must also be able to give proof of the steps they’re taking to be in compliance. This can include keeping records of how people opt in to being on marketing lists and documentation regarding how customer information is being protected.</li><li>Once an individual’s information has been collected, GDPR sets out requirements for how that information is stored and protected. If a data breach occurs, consumers must be notified within 72 hours. Failing to comply with GDPR can come with some very steep consequences. If a data breach occurs because of non-compliance, a company can be hit with fines as high as €20 million or 4% of the company’s annual global revenue, whichever amount is greater. </li></ul><h2>Do US-based businesses need to worry about GDPR?</h2><p>Just because a business isn’t based in Europe doesn’t necessarily mean they’re off the hook as far as GDPR goes. If a company is based in the United States (or elsewhere outside the EEA), but conducts business in Europe, collects data about users from Europe, markets themselves in Europe, or has employees who work in Europe, GDPR applies to them, too. </p><p>Even if you’re working with a company that only conducts business in a very specific geographic area, you might occasionally get some visitors to your site from people outside of that region. For example, let’s say a pizza restaurant in Detroit publishes a blog post about the history of pizza on their site. It’s a pretty informative post and as a result, it brings in some traffic from pizza enthusiasts outside the Detroit area, including a few visitors from Spain. Would GDPR still apply in that sort of situation?</p><p>As long as it’s clear that a company’s goods or services are only available to consumers in the United States (or another country outside the EEA), GDPR does not apply. Going back to the pizza restaurant example, the other content on their site is written in English, emphasizes their Detroit location, and definitely doesn’t make any references to delivery to Spain, so those few page views from Spain wouldn’t be anything to worry about. </p><p>However, let’s say another US-based company has a site with the option to view German and French language versions of pages, lets customers pay with Euros, and uses marketing language that refers to European customers. In that situation, GDPR would apply since they are more clearly soliciting business from people in Europe. </p><h2>Google Analytics & GDPR</h2><p>If you use Google Analytics, Google is your <a href="https://gdpr-info.eu/art-4-gdpr/" target="_blank">data processor</a> and since they handle data from people all over the world, they’ve had to take steps to become compliant with GDPR standards. However, you/your company are considered the data controller in this relationship and you will also need to take steps to make sure your Google Analytics account is set up to meet the new requirements. </p><p>Google has been rolling out some new features to help make this happen. In Analytics, you will now have the ability to delete the information of individual users if they request it. They’ve also introduced data retention settings which allow you to control how long individual user data is saved before being automatically deleted. Google has set this to be 26 months as the default setting, but if you are working with a US-based company that strictly conducts business in the United States, you can set it to never expire if you want to — at least until data protection laws change here, too. It’s important to note that this only applies to data about individual users and events, so aggregate data about high-level information like page views won’t be impacted by this. </p><p>To make sure you’re using Analytics in compliance with GDPR, a good place to start is by auditing all the data you collect to make sure it’s all relevant to its intended purpose and that you aren’t accidentally sending any personally identifiable information (PII) to Google Analytics. Sending PII to Google Analytics was already against its Terms of Service, but very often, it happens by accident when information is pushed through in a page URL. If it turns out you are sending PII to Analytics, you’ll need to talk to your web development team about how to fix it because using filters in Analytics to block it isn’t enough — you need to make sure it’s never sent to Google Analytics in the first place. </p><p>PII includes anything that can potentially be used to identify a specific person, either on its own or when combined with another piece of information, like an email address, a home address, a birthdate, a zip code, or an IP address. IP addresses weren’t always considered PII, but GDPR classifies them as an online identifier. Don’t worry, though — you can still get geographical insights about the visitors to your site. All you have to do is turn on IP anonymization and the last portion of an IP address will be replaced with a zero, so you can still get a general idea of where your traffic is coming from, although it will be a little less precise. </p><p>If you use Google Tag Manager, IP anonymization is pretty easy. Just open your Google Analytics tag or its settings variable, choose “More Settings,” and select “Fields to Set.” Then, choose “anonymizeip” in the “Field Name” box, enter “true” in the “Value” box,” and save your changes. </p><p class="full-width"><img src="http://d2v4zi8pl64nxt.cloudfront.net/gdpr-and-online-marketing/5b026697ab96f7.06601047.jpg"></p><p>If you don’t use GTM, talk to your web development team about editing the Google Analytics code to anonymize IP addresses. </p><p>Pseudonymous information like user IDs and transaction IDs are still acceptable under GDPR, but it needs to be protected. User and transaction IDs need to be alphanumeric database identifiers, not written out in plain text. </p><p>Also, if you haven’t already done so, don’t forget to take the steps Google has mentioned in some of those emails they’ve sent out. If you’re based outside the EEA and GDPR applies to you, go into your Google Analytics account settings and accept the updated terms of processing. If you’re based in the EEA, the updated terms have already been included in your data processing terms. If GDPR applies to you, you’ll also need to go into your organization settings and provide contact information for your organization. </p><h2>Privacy policies, forms, & cookie notices</h2><p>Now that you’ve gone through your data and checked your settings in Google Analytics, you need to update your site’s privacy policy, forms, and cookie notices. If your company has a legal department, it may be best to involve them in this process to make sure you’re fully compliant. </p><p>Under GDPR, a site’s privacy policy needs to be clearly written in plain language and answer basic questions like what information is being collected, why it’s being collected, how it’s being collected, who is collecting it, how it will be used, and if it will be shared with anyone else. If your site is likely to be visited by children, this information needs to be written simply enough for a child to be able to understand it. </p><p>Forms and cookie notices also need to provide that kind of information. Cookie consent forms with really vague, generic messages like, “We use cookies to give you a better experience and by using this site, you agree to our policy,” are not GDPR compliant. </p><h2>GDPR & other types of marketing</h2><p>The impact GDPR will have on marketers isn’t just limited to how you use Google Analytics. If you use some particular types of marketing in the course of your job, you may have to make a few other changes, too. </p><h3>Referral deals</h3><p>If you work with a company that does “refer a friend”-type promotions where a customer has to enter information for a friend to receive a discount, GDPR is going to make a difference for you. Giving consent for data to be collected is a key part of GDPR and in these sorts of promotions, the person being referred can’t clearly consent to their information being collected. Under GDPR, it is possible to continue this practice, but it all depends on how that information is being used. If you store the information of the person being referred and use it for marketing purposes, it would be a violation of GDPR standards. However, if you don’t store that information or process it, you’re OK. </p><h3>Email marketing</h3><p>If you’re an email marketer and already follow best industry standards by doing things like only sending messages to those who clearly opt in to your list and making it easy for people to unsubscribe, the good news is that you’re probably in pretty good shape. As far as email marketing goes, GDPR is going to have the biggest impact on those who do things that have already been considered sketchy, like buying lists of contacts or not making it clear when someone is signing up to receive emails from you. </p><p>Even if you think you’re good to go, it’s still a good time to review your contacts and double check that your European contacts have indeed opted into being on your list and that it was clear what they were signing up for. If any of your contacts don’t have their country listed or you’re not sure how they opted in, you may want to either remove them from your list or put them on a separate segment so they don’t get any messages from you until you can get that figured out. Even if you’re confident your European contacts have opted in, there’s no harm in sending out an email asking them to confirm that they would like to continue receiving messages from you. </p><p>Creating a double opt-in process isn’t mandatory, but it would be a good idea since it helps remove any doubt over whether or not a person has agreed to being on your list. While you’re at it, take a look at the forms people use to sign up to be on your list and make sure they’re in line with GDPR standards, with no pre-checked boxes and the fact that they’re agreeing to receive emails from you is very clear. </p><p>For example, here’s a non-GDPR compliant email signup option I recently saw on a checkout page. They tell you what they’re planning to send to you, but the fact that it’s a pre-checked box placed underneath the more prominent “Place Order” button makes it very easy for people to unintentionally sign up for emails they might not actually want. </p><p><img src="http://d2v4zi8pl64nxt.cloudfront.net/gdpr-and-online-marketing/5b0266980df918.36321912.jpg"></p><p>Jimmy Choo, on the other hand, also gives you the chance to sign up for emails while making a purchase, but since the box isn’t pre-checked, it’s good to go under GDPR. </p><p><img src="http://d2v4zi8pl64nxt.cloudfront.net/gdpr-and-online-marketing/5b0266985f5562.37487845.png"></p><h3>Marketing automation</h3><p>As is the case with standard email marketing, marketing automation specialists will need to make sure they have clear consent from everyone who has agreed to be part of their lists. Check your European contacts to make sure you know how they’ve opted in. Also review the ways people can opt into your list to make sure it’s clear what, exactly, they’re signing up for so that your existing contacts would be considered valid. </p><p>If you use marketing automation to re-engage customers who have been inactive for a while, you may need to get permission to contact them again, depending on how long it has been since they last interacted with you. </p><p>Some marketing automation platforms have functionality which will be impacted by GDPR. Lead scoring, for example, is now considered a form of profiling and you will need to get permission from individuals to have their information used in that way. Reverse IP tracking also needs consent. </p><p>It’s also important to make sure your marketing automation platform and CRM system are set to sync automatically. If a person on your list unsubscribes and continues receiving emails because of a lapse between the two, you could get in trouble for not being GDPR compliant. </p><h3>Gated content</h3><p>A lot of companies use gated content, like free reports, whitepapers, or webinars, as a way to generate leads. The way they see it, the person’s information serves as the price of admission. But since GDPR prohibits blocking access to content if a person doesn’t consent to their information being collected, is gated content effectively useless now? </p><p>GDPR doesn’t completely eliminate the possibility of gated content, but there are now higher standards for collecting user information. Basically, if you’re going to have gated content, you need to be able to prove that the information you collect is necessary for you to provide the deliverable. For example, if you were organizing a webinar, you’d be justified in collecting email addresses since attendees need to be sent a link to join in. You’d have a harder time claiming an email address was required for something like a whitepaper since that doesn’t necessarily have to be delivered via email. And of course, as with any other form on a site, forms for gated content need to clearly state all the necessary information about how the information being collected will be used. </p><p>If you don’t get a lot of leads from European users anyway, you may want to just block all gated content from European visitors. Another option would be to go ahead and make that information freely available to visitors from Europe. </p><h3>Google AdWords</h3><p>If you use Google AdWords to advertise to European residents, Google already required publishers and advertisers to get permission from end users by putting disclaimers on the landing page, but GDPR will be making some changes to these requirements. Google will now be requiring publishers to get clear consent from individuals to have their information collected. Not only does this mean you have to give more information about how a person’s information will be used, you’ll also need to keep records of consent and tell users how they can opt out later on if they want to do so. If a person doesn’t give consent to having their information collected, Google will be making it possible to serve them non-personalized ads.</p><h2>In the end</h2><p>GDPR is a significant change and trying to grasp the full scope of its changes is pretty daunting. This is far from being a comprehensive guide, so if you have any questions about how GDPR applies to a particular client you’re working with, it may be best to get in touch with their legal department or team. GDPR will impact some industries more than others, so it’s best to get some input from someone who truly understands the law and how it applies to that specific business.</p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p> <p>Posted by <a href=\"https://moz.com/community/users/4196999\">Angela_Petteys</a></p><p>If you’ve been on the Internet at all in the past few months, you’ve probably seen plenty of notices about privacy policy updates from one service or another. As a marketer, a few of those notices have most likely come from Google. </p><p>With the General Data Privacy Regulation (GDPR) set to go into effect on May 25th, 2018, many Internet services have been scrambling to get in compliance with the new standards — and Google is no exception. Given the nature of the services Google provides to marketers, GDPR absolutely made some significant changes in how they conduct business. And, in turn, some marketers may have to take steps to make sure their use of Google Analytics is allowable under the new rules. But a lot of marketers aren’t entirely sure what exactly GDPR is, what it means for their jobs, and what they need to do to follow the rules. </p><h2>What is GDPR?</h2><p>GDPR is a very broad reform that gives citizens who live in the European Economic Area (EEA) and Switzerland more control over how their personal data is collected and used online. GDPR introduces a lot of new rules and if you’re up for a little light reading, you can check out the <a href="http://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32016R0679&from=EN" target="_blank">full text of the regulation</a> online. But here are a few of the most significant changes:</p><ul><li>Companies and other organizations have to be more transparent and clearly state what information they’re collecting, what it will be used for, how they’re collecting it, and if that information will be shared with anyone else. They can also only collect information that is directly relevant for its intended use. If the organization collecting that information later decides to use it for a different purpose, they must get permission again from each individual.</li><li>GDPR also spells out how that information needs to be given to consumers. That information can no longer be hidden in long privacy policies filled with legal jargon. The information in disclosures needs to be written in plain language and “freely given, specific, informed, and unambiguous.” Individuals also have to take an action which clearly gives their consent to their information being collected. Pre-checked boxes and notices that rely on inaction as a way of giving consent will no longer be allowed. If a user does not agree to have their information collected, you cannot block them from accessing content based on that fact.</li><li>Consumers also have the right to see what information a company has about them, request that incorrect information be corrected, revoke permission for their data to be saved, and have their data exported so they can switch to another service. If someone decides to revoke their permission, the organization needs to not only remove that information from their systems in a timely manner, they also need to have it removed from anywhere else they’ve shared that information.</li><li>Organizations must also be able to give proof of the steps they’re taking to be in compliance. This can include keeping records of how people opt in to being on marketing lists and documentation regarding how customer information is being protected.</li><li>Once an individual’s information has been collected, GDPR sets out requirements for how that information is stored and protected. If a data breach occurs, consumers must be notified within 72 hours. Failing to comply with GDPR can come with some very steep consequences. If a data breach occurs because of non-compliance, a company can be hit with fines as high as €20 million or 4% of the company’s annual global revenue, whichever amount is greater. </li></ul><h2>Do US-based businesses need to worry about GDPR?</h2><p>Just because a business isn’t based in Europe doesn’t necessarily mean they’re off the hook as far as GDPR goes. If a company is based in the United States (or elsewhere outside the EEA), but conducts business in Europe, collects data about users from Europe, markets themselves in Europe, or has employees who work in Europe, GDPR applies to them, too. </p><p>Even if you’re working with a company that only conducts business in a very specific geographic area, you might occasionally get some visitors to your site from people outside of that region. For example, let’s say a pizza restaurant in Detroit publishes a blog post about the history of pizza on their site. It’s a pretty informative post and as a result, it brings in some traffic from pizza enthusiasts outside the Detroit area, including a few visitors from Spain. Would GDPR still apply in that sort of situation?</p><p>As long as it’s clear that a company’s goods or services are only available to consumers in the United States (or another country outside the EEA), GDPR does not apply. Going back to the pizza restaurant example, the other content on their site is written in English, emphasizes their Detroit location, and definitely doesn’t make any references to delivery to Spain, so those few page views from Spain wouldn’t be anything to worry about. </p><p>However, let’s say another US-based company has a site with the option to view German and French language versions of pages, lets customers pay with Euros, and uses marketing language that refers to European customers. In that situation, GDPR would apply since they are more clearly soliciting business from people in Europe. </p><h2>Google Analytics & GDPR</h2><p>If you use Google Analytics, Google is your <a href="https://gdpr-info.eu/art-4-gdpr/" target="_blank">data processor</a> and since they handle data from people all over the world, they’ve had to take steps to become compliant with GDPR standards. However, you/your company are considered the data controller in this relationship and you will also need to take steps to make sure your Google Analytics account is set up to meet the new requirements. </p><p>Google has been rolling out some new features to help make this happen. In Analytics, you will now have the ability to delete the information of individual users if they request it. They’ve also introduced data retention settings which allow you to control how long individual user data is saved before being automatically deleted. Google has set this to be 26 months as the default setting, but if you are working with a US-based company that strictly conducts business in the United States, you can set it to never expire if you want to — at least until data protection laws change here, too. It’s important to note that this only applies to data about individual users and events, so aggregate data about high-level information like page views won’t be impacted by this. </p><p>To make sure you’re using Analytics in compliance with GDPR, a good place to start is by auditing all the data you collect to make sure it’s all relevant to its intended purpose and that you aren’t accidentally sending any personally identifiable information (PII) to Google Analytics. Sending PII to Google Analytics was already against its Terms of Service, but very often, it happens by accident when information is pushed through in a page URL. If it turns out you are sending PII to Analytics, you’ll need to talk to your web development team about how to fix it because using filters in Analytics to block it isn’t enough — you need to make sure it’s never sent to Google Analytics in the first place. </p><p>PII includes anything that can potentially be used to identify a specific person, either on its own or when combined with another piece of information, like an email address, a home address, a birthdate, a zip code, or an IP address. IP addresses weren’t always considered PII, but GDPR classifies them as an online identifier. Don’t worry, though — you can still get geographical insights about the visitors to your site. All you have to do is turn on IP anonymization and the last portion of an IP address will be replaced with a zero, so you can still get a general idea of where your traffic is coming from, although it will be a little less precise. </p><p>If you use Google Tag Manager, IP anonymization is pretty easy. Just open your Google Analytics tag or its settings variable, choose “More Settings,” and select “Fields to Set.” Then, choose “anonymizeip” in the “Field Name” box, enter “true” in the “Value” box,” and save your changes. </p><p class="full-width"><img src="http://d2v4zi8pl64nxt.cloudfront.net/gdpr-and-online-marketing/5b026697ab96f7.06601047.jpg"></p><p>If you don’t use GTM, talk to your web development team about editing the Google Analytics code to anonymize IP addresses. </p><p>Pseudonymous information like user IDs and transaction IDs are still acceptable under GDPR, but it needs to be protected. User and transaction IDs need to be alphanumeric database identifiers, not written out in plain text. </p><p>Also, if you haven’t already done so, don’t forget to take the steps Google has mentioned in some of those emails they’ve sent out. If you’re based outside the EEA and GDPR applies to you, go into your Google Analytics account settings and accept the updated terms of processing. If you’re based in the EEA, the updated terms have already been included in your data processing terms. If GDPR applies to you, you’ll also need to go into your organization settings and provide contact information for your organization. </p><h2>Privacy policies, forms, & cookie notices</h2><p>Now that you’ve gone through your data and checked your settings in Google Analytics, you need to update your site’s privacy policy, forms, and cookie notices. If your company has a legal department, it may be best to involve them in this process to make sure you’re fully compliant. </p><p>Under GDPR, a site’s privacy policy needs to be clearly written in plain language and answer basic questions like what information is being collected, why it’s being collected, how it’s being collected, who is collecting it, how it will be used, and if it will be shared with anyone else. If your site is likely to be visited by children, this information needs to be written simply enough for a child to be able to understand it. </p><p>Forms and cookie notices also need to provide that kind of information. Cookie consent forms with really vague, generic messages like, “We use cookies to give you a better experience and by using this site, you agree to our policy,” are not GDPR compliant. </p><h2>GDPR & other types of marketing</h2><p>The impact GDPR will have on marketers isn’t just limited to how you use Google Analytics. If you use some particular types of marketing in the course of your job, you may have to make a few other changes, too. </p><h3>Referral deals</h3><p>If you work with a company that does “refer a friend”-type promotions where a customer has to enter information for a friend to receive a discount, GDPR is going to make a difference for you. Giving consent for data to be collected is a key part of GDPR and in these sorts of promotions, the person being referred can’t clearly consent to their information being collected. Under GDPR, it is possible to continue this practice, but it all depends on how that information is being used. If you store the information of the person being referred and use it for marketing purposes, it would be a violation of GDPR standards. However, if you don’t store that information or process it, you’re OK. </p><h3>Email marketing</h3><p>If you’re an email marketer and already follow best industry standards by doing things like only sending messages to those who clearly opt in to your list and making it easy for people to unsubscribe, the good news is that you’re probably in pretty good shape. As far as email marketing goes, GDPR is going to have the biggest impact on those who do things that have already been considered sketchy, like buying lists of contacts or not making it clear when someone is signing up to receive emails from you. </p><p>Even if you think you’re good to go, it’s still a good time to review your contacts and double check that your European contacts have indeed opted into being on your list and that it was clear what they were signing up for. If any of your contacts don’t have their country listed or you’re not sure how they opted in, you may want to either remove them from your list or put them on a separate segment so they don’t get any messages from you until you can get that figured out. Even if you’re confident your European contacts have opted in, there’s no harm in sending out an email asking them to confirm that they would like to continue receiving messages from you. </p><p>Creating a double opt-in process isn’t mandatory, but it would be a good idea since it helps remove any doubt over whether or not a person has agreed to being on your list. While you’re at it, take a look at the forms people use to sign up to be on your list and make sure they’re in line with GDPR standards, with no pre-checked boxes and the fact that they’re agreeing to receive emails from you is very clear. </p><p>For example, here’s a non-GDPR compliant email signup option I recently saw on a checkout page. They tell you what they’re planning to send to you, but the fact that it’s a pre-checked box placed underneath the more prominent “Place Order” button makes it very easy for people to unintentionally sign up for emails they might not actually want. </p><p><img src="http://d2v4zi8pl64nxt.cloudfront.net/gdpr-and-online-marketing/5b0266980df918.36321912.jpg"></p><p>Jimmy Choo, on the other hand, also gives you the chance to sign up for emails while making a purchase, but since the box isn’t pre-checked, it’s good to go under GDPR. </p><p><img src="http://d2v4zi8pl64nxt.cloudfront.net/gdpr-and-online-marketing/5b0266985f5562.37487845.png"></p><h3>Marketing automation</h3><p>As is the case with standard email marketing, marketing automation specialists will need to make sure they have clear consent from everyone who has agreed to be part of their lists. Check your European contacts to make sure you know how they’ve opted in. Also review the ways people can opt into your list to make sure it’s clear what, exactly, they’re signing up for so that your existing contacts would be considered valid. </p><p>If you use marketing automation to re-engage customers who have been inactive for a while, you may need to get permission to contact them again, depending on how long it has been since they last interacted with you. </p><p>Some marketing automation platforms have functionality which will be impacted by GDPR. Lead scoring, for example, is now considered a form of profiling and you will need to get permission from individuals to have their information used in that way. Reverse IP tracking also needs consent. </p><p>It’s also important to make sure your marketing automation platform and CRM system are set to sync automatically. If a person on your list unsubscribes and continues receiving emails because of a lapse between the two, you could get in trouble for not being GDPR compliant. </p><h3>Gated content</h3><p>A lot of companies use gated content, like free reports, whitepapers, or webinars, as a way to generate leads. The way they see it, the person’s information serves as the price of admission. But since GDPR prohibits blocking access to content if a person doesn’t consent to their information being collected, is gated content effectively useless now? </p><p>GDPR doesn’t completely eliminate the possibility of gated content, but there are now higher standards for collecting user information. Basically, if you’re going to have gated content, you need to be able to prove that the information you collect is necessary for you to provide the deliverable. For example, if you were organizing a webinar, you’d be justified in collecting email addresses since attendees need to be sent a link to join in. You’d have a harder time claiming an email address was required for something like a whitepaper since that doesn’t necessarily have to be delivered via email. And of course, as with any other form on a site, forms for gated content need to clearly state all the necessary information about how the information being collected will be used. </p><p>If you don’t get a lot of leads from European users anyway, you may want to just block all gated content from European visitors. Another option would be to go ahead and make that information freely available to visitors from Europe. </p><h3>Google AdWords</h3><p>If you use Google AdWords to advertise to European residents, Google already required publishers and advertisers to get permission from end users by putting disclaimers on the landing page, but GDPR will be making some changes to these requirements. Google will now be requiring publishers to get clear consent from individuals to have their information collected. Not only does this mean you have to give more information about how a person’s information will be used, you’ll also need to keep records of consent and tell users how they can opt out later on if they want to do so. If a person doesn’t give consent to having their information collected, Google will be making it possible to serve them non-personalized ads.</p><h2>In the end</h2><p>GDPR is a significant change and trying to grasp the full scope of its changes is pretty daunting. This is far from being a comprehensive guide, so if you have any questions about how GDPR applies to a particular client you’re working with, it may be best to get in touch with their legal department or team. GDPR will impact some industries more than others, so it’s best to get some input from someone who truly understands the law and how it applies to that specific business.</p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p><img src="http://feedpress.me/9375/9220491.gif" height="1" width="1"/> Rake in Cash at Your Yard Sale https://www.nerdwallet.com/article/rake-in-cash-at-your-yard-sale NerdWallet urn:uuid:9e54c7f9-d748-a839-31eb-22c40eda0e01 Sun, 20 May 2018 23:00:56 +0000 Your yard sale hosting strategy can determine whether you rake in cash or waste a day. If you pull it off, others get to enjoy the items collecting dust in… <p>Your yard sale hosting strategy can determine whether you rake in cash or waste a day. If you pull it off, others get to enjoy the items collecting dust in your home while you pocket extra money. For those who’ve never held a sale before — or at least not a successful one — here...</p><p class="nw-originally-posted-link">The article Rake in Cash at Your Yard Sale originally appeared on NerdWallet.</p><span data-post-id="523594"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=523594" style="display: none;" data-has-syndication-rights="1" /> Facebook Rolls Out Three New Features for Stories https://www.socialmediaexaminer.com/facebook-rolls-out-three-new-features-for-stories/ Social Media Examiner urn:uuid:acd8bc39-1cb5-dccf-ba97-2bb42593af11 Sat, 19 May 2018 10:00:22 +0000 <img width="1200" height="628" src="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18.png" class="webfeedsFeaturedVisual wp-post-image" alt="" style="display: block; margin-bottom: 5px; clear:both;max-width: 100%;" srcset="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18.png 1200w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18-150x79.png 150w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18-300x157.png 300w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18-768x402.png 768w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18-1024x536.png 1024w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18-497x260.png 497w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18-770x403.png 770w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18-450x236.png 450w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18-920x481.png 920w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-18-18-600x314.png 600w" sizes="(max-width: 1200px) 100vw, 1200px" /><p>Welcome to this week&#8217;s edition of the Social Media Marketing Talk Show, a news show for marketers who want to stay on the leading edge of social media. On this week&#8217;s Social Media Marketing Talk Show, we explore New Facebook Stories features, YouTube Music and YouTube Premium, and other breaking social media marketing news of <a class="read-more" href="https://www.socialmediaexaminer.com/facebook-rolls-out-three-new-features-for-stories/">[...]</a></p> <p>This post <a rel="nofollow" href="https://www.socialmediaexaminer.com/facebook-rolls-out-three-new-features-for-stories/">Facebook Rolls Out Three New Features for Stories</a> first appeared on Social Media Examiner.</p> AmEx Boosts Bonuses for Some Hilton Credit Cards (Limited Time) https://www.nerdwallet.com/blog/credit-cards/american-express-hilton-credit-card-bonus-offers-increased/ NerdWallet urn:uuid:0c354d99-afc3-01cc-b812-8655cb5bc8c4 Fri, 18 May 2018 18:05:12 +0000 For a limited time, American Express has increased the welcome offers on some Hilton Honors credit cards. Frequent Hilton guests who qualify for the Hilton Honors Card from American Express, the Hilton Honors Ascend… <p>For a limited time, American Express has increased the welcome offers on some Hilton Honors credit cards. Frequent Hilton guests who qualify for the Hilton Honors Card from American Express, the Hilton Honors Ascend Card from American Express or the Hilton Honors Business Card from American Express can earn some extra points and save money on stays. Through June...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Melissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article AmEx Boosts Bonuses for Some Hilton Credit Cards (Limited Time) originally appeared on NerdWallet.</p><span data-post-id="523889"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=523889" style="display: none;" data-has-syndication-rights="1" /> Are You and That Branded Credit Card Meant for Each Other? https://www.nerdwallet.com/blog/credit-cards/when-to-get-your-favorite-brands-credit-card/ NerdWallet urn:uuid:81fb6838-578c-5e2d-6062-3fe94f52a52e Fri, 18 May 2018 18:00:56 +0000 When Starbucks launched a rewards credit card this year, and when Uber did so last fall, it was a big step as far as each company was concerned. But they… <p>When Starbucks launched a rewards credit card this year, and when Uber did so last fall, it was a big step as far as each company was concerned. But they were only following the lead of hundreds of other brands. Amazon, Costco, Target and many other brands have offered credit cards for years. These cards...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Kimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article Are You and That Branded Credit Card Meant for Each Other? originally appeared on NerdWallet.</p><span data-post-id="519998"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=519998" style="display: none;" data-has-syndication-rights="1" /> 7 Ways to Save on Concert Tickets https://www.nerdwallet.com/blog/finance/save-money-concert-tickets/ NerdWallet urn:uuid:173fff43-cf65-e362-b36c-8a53d5ab0ca4 Fri, 18 May 2018 18:00:40 +0000 A standing-room only pit ticket to one of Taylor Swift’s June concerts at Soldier Field in Chicago could cost you $895. Some would say that’s a high price to pay… <p>A standing-room only pit ticket to one of Taylor Swift’s June concerts at Soldier Field in Chicago could cost you $895. Some would say that’s a high price to pay to see songs from “Reputation” performed live. Before you drop a few hundred (or thousand) dollars on concert tickets, here are seven ways to save...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Courtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article 7 Ways to Save on Concert Tickets originally appeared on NerdWallet.</p><span data-post-id="512249"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=512249" style="display: none;" data-has-syndication-rights="1" /> When to Take Social Security Benefits https://www.nerdwallet.com/blog/investing/take-social-security-benefits/ NerdWallet urn:uuid:05c331bf-15f7-b5fe-bdf4-b58077a0a6c9 Fri, 18 May 2018 16:54:03 +0000 Turning 62 might not sound like a milestone birthday, but it is: That’s the earliest age the Social Security Administration (SSA) allows individuals to begin taking benefits from the system.… <p>Turning 62 might not sound like a milestone birthday, but it is: That’s the earliest age the Social Security Administration (SSA) allows individuals to begin taking benefits from the system. Still, that doesn’t mean you should jump at the chance the minute this checkered flag waves. Waiting to start drawing benefits until as long as...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Dayana Yochim is a writer at NerdWallet. Email: dyochim@nerdwallet.com. Twitter: @DayanaYochim. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article When to Take Social Security Benefits originally appeared on NerdWallet.</p><span data-post-id="521698"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521698" style="display: none;" data-has-syndication-rights="1" /> Class of 2018: 8 Ways to Prep for Financial Adulthood https://www.nerdwallet.com/blog/loans/student-loans/class-2018-8-ways-prepare-adulthood/ NerdWallet urn:uuid:1168b9e1-83b5-3d45-c606-ea0b71f9d037 Fri, 18 May 2018 13:00:22 +0000 Whether you’re graduating from high school or college, a diploma and a job represent the beginning of your personal — and financial — adult life. It’s an exciting, sometimes overwhelming… <p>Whether you’re graduating from high school or college, a diploma and a job represent the beginning of your personal — and financial — adult life. It’s an exciting, sometimes overwhelming time. When you have the inevitable “I have no idea what I’m doing” freakout, remember these tips: 1. Set clear financial priorities You probably can’t...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Teddy Nykiel is a writer at NerdWallet. Email: teddy@nerdwallet.com. Twitter: @teddynykiel. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article Class of 2018: 8 Ways to Prep for Financial Adulthood originally appeared on NerdWallet.</p><span data-post-id="521707"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521707" style="display: none;" data-has-syndication-rights="1" /> Crisis Planning: How to Publicly Respond to Business Problems https://www.socialmediaexaminer.com/crisis-planning-how-to-publicly-respond-to-business-problems-gini-dietrich/ Social Media Examiner urn:uuid:edb6f558-2168-37c3-09c9-bdacca8d7ed4 Fri, 18 May 2018 10:00:25 +0000 <img width="1200" height="630" src="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200.png" class="webfeedsFeaturedVisual wp-post-image" alt="" style="display: block; margin-bottom: 5px; clear:both;max-width: 100%;" srcset="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200.png 1200w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200-150x79.png 150w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200-300x158.png 300w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200-768x403.png 768w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200-1024x538.png 1024w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200-495x260.png 495w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200-770x404.png 770w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200-450x236.png 450w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200-920x483.png 920w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/crisis-planning-how-to-respond-gini-deitrich-1200-600x315.png 600w" sizes="(max-width: 1200px) 100vw, 1200px" /><p>Want to be prepared for problems in your business? Wondering how to plan a public response to any issue? To explore when and how businesses should respond publicly to a crisis, I interview Gini Dietrich. More About This Show The Social Media Marketing podcast is an on-demand talk radio show from Social Media Examiner. It&#8217;s <a class="read-more" href="https://www.socialmediaexaminer.com/crisis-planning-how-to-publicly-respond-to-business-problems-gini-dietrich/">[...]</a></p> <p>This post <a rel="nofollow" href="https://www.socialmediaexaminer.com/crisis-planning-how-to-publicly-respond-to-business-problems-gini-dietrich/">Crisis Planning: How to Publicly Respond to Business Problems</a> first appeared on Social Media Examiner.</p> Let's Make Money: 4 Tactics for Agencies Looking to Succeed - Whiteboard Friday http://tracking.feedpress.it/link/9375/9194717 Moz Blog urn:uuid:4c34c355-ba46-9bd8-fcc0-5992b3f3912d Fri, 18 May 2018 00:14:00 +0000 <p>Posted by <a href=\"https://moz.com/community/users/4260765\">rjonesx.</a></p><p>We spend a lot of time discussing SEO tactics, but in a constantly changing industry, one thing that deserves more attention are the tactics agencies should employ in order to see success. From confidently raising your prices to knowing when to say no, Moz's own Russ Jones covers four essential success tactics that'll ultimately increase your bottom line in today's edition of Whiteboard Friday.</p><p class="wistia_responsive_padding" style="padding:5.25% 0 28px 0;position:relative;"> <iframe src="https://fast.wistia.net/embed/iframe/vrf8fywh1c?seo=false&videoFoam=true" title="Wistia video player" allowtransparency="true" frameborder="0" scrolling="no" class="wistia_embed" name="wistia_embed" allowfullscreen="" mozallowfullscreen="" webkitallowfullscreen="" oallowfullscreen="" msallowfullscreen="" width="100%" height="100%"> </iframe> </p><script rel="display: none;" src="https://fast.wistia.net/assets/external/E-v1.js" async=""></script><p style="text-align: center;"><a href="http://d2v4zi8pl64nxt.cloudfront.net/lets-make-money/5afdcfa7951332.49922344.jpg" target="_blank"><img src="http://d2v4zi8pl64nxt.cloudfront.net/lets-make-money/5afdcfa7951332.49922344.jpg" alt="Agency tactics" style="box-shadow: rgb(153, 153, 153) 0px 0px 10px 0px; border-radius: 20px;"></a> </p><p style="text-align: center;" class="caption">Click on the whiteboard image above to open a high-resolution version in a new tab!<br> </p><h2>Video Transcription</h2><p>Howdy, Moz fans. I am Russ Jones, and I can't tell you how excited I am for my first Whiteboard Friday. I am Principal Search Scientist here at Moz. But before coming to Moz, for the 10 years prior to that, I was the Chief Technology Officer of a small SEO agency back in North Carolina. So I have a strong passion for agencies and consultants who are on the ground doing the work, helping websites rank better and helping build businesses.</p><p>So what I wanted to do today was spend a little bit of time talking about the lessons that I learned at an agency that admittedly I only learned through trial and error. But before we even go further, I just wanted to thank the folks at Hive Digital who I learned so much from, Jeff and Jake and Malcolm and Ryan, because the team effort over time is what ended up building an agency. Any agency that succeeds knows that that's part of it. So we'll start with that thank-you.</p><p>But what I really want to get into is that we spend a lot of time talking about SEO tactics, but not really about how to succeed in an industry that changes rapidly, in which there's almost no certification, and where it can be difficult to explain to customers exactly how they're going to be successful with what you offer. So what I'm going to do is break down four really important rules that I learned over the course of that 10 years. We're going to go through each one of them as quickly as possible, but at the same time, hopefully you'll walk away with some good ideas. Some of these are ones that it might at first feel a little bit awkward, but just follow me. </p><h2>1. Raise prices<br></h2><p><span></span>The first rule, number one in Let's Make Money is raise your prices. Now, I remember quite clearly two years in to my job at Hive Digital — it was called Virante then — and we were talking about raising prices. We were just looking at our customers, saying to ourselves, "There's no way they can afford it." But then luckily we had the foresight that there was more to raising prices than just charging your customers more. </p><h3>How it benefits old customers</h3><p><strong></strong>The first thing that just hit us automatically was... "Well, with our old customers, we can just <strong>discount</strong> them. It's not that bad. We're in the same place as we always were." But then it occurred to us, "Wait, wait, wait. If we discount our customers, then we're actually increasing our <strong>perceived value</strong>." Our existing customers now think, "Hey, they're actually selling something better that's more expensive, but I'm getting a deal," and by offering them that deal because of their loyalty, you <strong>engender more loyalty</strong>. So it can actually be good for old customers. </p><h3>How it benefits new customers </h3><p>Now, for new customers, once again, same sort of situation. You've increased the <strong>perceived value</strong>. So your customers who come to you think, "Oh, this company is professional. This company is willing to invest. This company is interested in providing the highest quality of services." In reality, because you've raised prices, you can. You can spend more time and money on each customer and actually do a better job. The third part is, "What's the worst that could happen?" If they say no, you offer them the <strong>discount</strong>. You're back where you started. You're in the same position that you were before.</p><h3>How it benefits your workers </h3><p>Now, here's where it really matters — your employees, your workers. If you are offering bottom line prices, you can't offer them <strong>raises</strong>, you can't offer them <strong>training</strong>, you can't <strong>hire them help,</strong> or you can't get <strong>better workers</strong>. But if you do, if you raise prices, the whole ecosystem that is your agency will do better. </p><h3>How it improves your resources</h3><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/2-28014.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;">Finally, and most importantly, which we'll talk a little bit more later, is that you can finally <strong>tool up</strong>. You can get the resources and capital that you need to actually succeed. I drew this kind of out.</p><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/1-86794.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p>If we have a graph of quality of services that you offer and the price that you sell at, most agencies think that they're offering great quality at a little price, but the reality is you're probably down here. You're probably under-selling your services and, because of that, you can't offer the best that you can.<br> </p><p>You should be up here. You should be offering higher quality, your experts who spend time all day studying this, and raising prices allows you to do that. </p><h2>2. Schedule</h2><p>Now, raising prices is only part one. The second thing is discipline, and I am really horrible about this. The reality is that I'm the kind of guy who looks for the latest and greatest and just jumps into it, but schedule matters. As hard as it is to admit it, I learned this from the CPC folks because they know that they have to stay on top of it every day of the week. </p><p>Well, here's something that we kind of came up with as I was leaving the company, and that was to set all of our customers as much as possible into a schedule. </p><ul> <li><strong>Annually:</strong> we would handle keywords and competitors doing complete analysis. </li> <li><strong>Semi-annually:</strong> Twice a year, we would do content analysis. What should you be writing about? What's changed in your industry? What are different keywords that you might be able to target now given additional resources?</li> <li><strong>Quarterly:</strong> You need to be looking at links. It's just a big enough issue that you've got to look at it every couple of months, a complete link analysis. </li> <li><strong>Monthly:</strong> You should be looking at your crawls. Moz will do that every week for you, but you should give your customers an idea, over the course of a month, what's changed. </li> <li><strong>Weekly:</strong> You should be doing rankings</li> </ul><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/3-41443.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p>But there are three things that, when you do all of these types of analysis, you need to keep in mind. Each one of them is a... </p><ul> <li><strong>Report</strong></li> <li><strong>Hours for consulting</strong></li> <li><strong>Phone call</strong></li> </ul><p>This might seem like a little bit of overkill. But of course, if one of these comes back and nothing changed, you don't need to do the phone call, but each one of these represents additional money in your pocket and importantly better service for your customers. </p><p>It might seem hard to believe that when you go to a customer and you tell them, "Look, nothing's changed," that you're actually giving them value, but the truth is that if you go to the dentist and he tells you, you don't have a cavity, that's good news. You shouldn't say to yourself at the end of the day, "Why'd I go to the dentist in the first place?" You should say, "I'm so glad I went to the dentist." By that same positive outlook, you should be selling to your customers over and over and over again, hoping to give them the clarity they need to succeed. </p><h2>3. Tool up!</h2><p>So number three, you're going to see this a lot in my videos because I just love SEO tools, but you've got to tool up. Once you've raised prices and you're making more money with your customers, you actually can. <strong>Tools are superpowers</strong>. Tools allow you to do things that humans just can't do. Like I can't figure out the link graph on my own. I need tools to do it. But tools can do so much more than just auditing existing clients. For example, they can give you... </p><h3>Better leads: </h3><p>You can use tools to find opportunities.Take for example the tools within Moz and you want to find other car dealerships in the area that are really good and have an opportunity to rank, but aren't doing as well as they should be in SERPs. You want to do this because you've already serviced successfully a different car dealership. Well, tools like Moz can do that. You don't just have to use Moz to help your clients. You can use them to help yourself. </p><h3>Better pre-audits: </h3><p>Nobody walks into a sales call blind. You know who the website is. So you just start with a great pre-audit. </p><h3>Faster workflows: </h3><p>Which means you make more money quicker. If you can do your keyword analysis annually in half the time because you have the right tool for it, then you're going to make far more money and be able to serve more customers. </p><h3>Bulk pricing: </h3><p>This one is just mind-blowingly simple. It's bulk pricing. Every tool out there, the more you buy from them, the lower the price is. I remember at my old company sitting down at one point and recognizing that every customer that came in the door would need to spend about $1,000 on individual accounts to match what they were getting through us by being able to take advantage of the bulk discounts that we were getting as an agency by buying these seats on behalf of all of our customers. </p><p>So tell your clients when you're talking to them on the phone, in the pitch be like, "Look, we use Moz, Majestic, Ahrefs, SEMrush," list off all of the competitors. "We do Screaming Frog." Just name them all and say, "If you wanted to go out and just get the data yourself from these tools, it would cost you more than we're actually charging you." The tools can sell themselves. You are saving them money. </p><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/5-81158.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><h2>4. Just say NO</h2><p>Now, the last section, real quickly, are the things you've just got to learn to say no to. One of them has a little nuance to it. There's going to be some bite back in the comments, I'm pretty sure, but I want to be careful with it. </p><h3>No month-to-month contracts</h3><p>The first thing to say no to is month-to-month contracts. </p><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/7-61825.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p>If a customer comes to you and they say, "Look, we want to do SEO, but we want to be able to cancel every 30 days." the reality is this. They're not interested in investing in SEO. They're interested in dabbling in SEO. They're interested in experimenting with SEO. Well, that's not going to succeed. It's only going to take one competitor or two who actually invest in it to beat them out, and when they beat them out, you're going to look bad and they're going to cancel their account with you. So sit down with them and explain to them that it is a long-term strategy and it's just not worth it to your company to bring on customers who aren't interested in investing in SEO. Say it politely, but just turn it away. </p><h3>Don't turn anything away</h3><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/8-62716.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p>Now, notice that my next thing is don't turn anything away. So here's something careful. Here's the nuance. It's really important to learn to fire clients who are bad for your business, where you're losing money on them or they're just impolite, but that doesn't mean you have to turn them away. You just need to turn them in the right direction. That right direction might be tools themselves. You can say, "Look, you don't really need our consulting hours. You should go use these tools." Or you can turn them to other fledgling businesses, friends you have in the industry who might be struggling at this time. </p><p>I'll tell you a quick example. We don't have much time, but many, many years ago, we had a client that came to us. At our old company, we had a couple of rules about who we would work with. We chose not to work in the adult industry. But at the time, I had a friend in the industry. He lived outside of the United States, and he had fallen on hard times. He literally had his business taken away from him via a series of just really unscrupulous events. I picked up the phone and gave him a call. I didn't turn away the customer. I turned them over to this individual. </p><p>That very next year, he had ended up landing a new job at the top of one of the largest gambling organizations in the world. Well, frankly, they weren't on our list of people we couldn't work with. We landed the largest contract in the history of our company at that time, and it set our company straight for an entire year. It was just because instead of turning away the client, we turned them to a different direction. So you've got to say no to turning away everybody. They are opportunities. They might not be your opportunity, but they're someone's. </p><h3>No service creep</h3><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/9-64816.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p><span style="background-color: initial;">The last one is service creep. Oh, man, this one is hard. A customer comes up to you and they list off three things that you offer that they want, and then they say, "Oh, yeah, we need social media management." Somebody else comes up to you, three things you want to offer, and they say, "Oh yeah, we need you to write content," and that's not something you do. You've just got to not do that. You've got to learn to shave off services that you can't offer. Instead, turn them over to people who can do them and do them very well.</span> </p><p>What you're going to end up doing in your conversation, your sales pitch is, "Look, I'm going to be honest with you. We are great at some things, but this isn't our cup of tea. We know someone who's really great at it." That honesty, that candidness is just going to give them such a better relationship with you, and it's going to build a stronger relationship with those other specialty companies who are going to send business your way. So it's really important to learn to say no to say no service creep. </p><p>Well, anyway, there's a lot that we went over there. I hope it wasn't too much too fast, but hopefully we can talk more about it in the comments. I look forward to seeing you there. Thanks. </p><p><strong></strong> </p><p><strong><a href="http://www.speechpad.com/page/video-transcription/" target="_blank">Video transcription</a> by <a href="http://www.speechpad.com/" target="_blank">Speechpad.com</a> </strong> </p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p> <p>Posted by <a href=\"https://moz.com/community/users/4260765\">rjonesx.</a></p><p>We spend a lot of time discussing SEO tactics, but in a constantly changing industry, one thing that deserves more attention are the tactics agencies should employ in order to see success. From confidently raising your prices to knowing when to say no, Moz's own Russ Jones covers four essential success tactics that'll ultimately increase your bottom line in today's edition of Whiteboard Friday.</p><p class="wistia_responsive_padding" style="padding:5.25% 0 28px 0;position:relative;"> <iframe src="https://fast.wistia.net/embed/iframe/vrf8fywh1c?seo=false&videoFoam=true" title="Wistia video player" allowtransparency="true" frameborder="0" scrolling="no" class="wistia_embed" name="wistia_embed" allowfullscreen="" mozallowfullscreen="" webkitallowfullscreen="" oallowfullscreen="" msallowfullscreen="" width="100%" height="100%"> </iframe> </p><script rel="display: none;" src="https://fast.wistia.net/assets/external/E-v1.js" async=""></script><p style="text-align: center;"><a href="http://d2v4zi8pl64nxt.cloudfront.net/lets-make-money/5afdcfa7951332.49922344.jpg" target="_blank"><img src="http://d2v4zi8pl64nxt.cloudfront.net/lets-make-money/5afdcfa7951332.49922344.jpg" alt="Agency tactics" style="box-shadow: rgb(153, 153, 153) 0px 0px 10px 0px; border-radius: 20px;"></a> </p><p style="text-align: center;" class="caption">Click on the whiteboard image above to open a high-resolution version in a new tab!<br> </p><h2>Video Transcription</h2><p>Howdy, Moz fans. I am Russ Jones, and I can't tell you how excited I am for my first Whiteboard Friday. I am Principal Search Scientist here at Moz. But before coming to Moz, for the 10 years prior to that, I was the Chief Technology Officer of a small SEO agency back in North Carolina. So I have a strong passion for agencies and consultants who are on the ground doing the work, helping websites rank better and helping build businesses.</p><p>So what I wanted to do today was spend a little bit of time talking about the lessons that I learned at an agency that admittedly I only learned through trial and error. But before we even go further, I just wanted to thank the folks at Hive Digital who I learned so much from, Jeff and Jake and Malcolm and Ryan, because the team effort over time is what ended up building an agency. Any agency that succeeds knows that that's part of it. So we'll start with that thank-you.</p><p>But what I really want to get into is that we spend a lot of time talking about SEO tactics, but not really about how to succeed in an industry that changes rapidly, in which there's almost no certification, and where it can be difficult to explain to customers exactly how they're going to be successful with what you offer. So what I'm going to do is break down four really important rules that I learned over the course of that 10 years. We're going to go through each one of them as quickly as possible, but at the same time, hopefully you'll walk away with some good ideas. Some of these are ones that it might at first feel a little bit awkward, but just follow me. </p><h2>1. Raise prices<br></h2><p><span></span>The first rule, number one in Let's Make Money is raise your prices. Now, I remember quite clearly two years in to my job at Hive Digital — it was called Virante then — and we were talking about raising prices. We were just looking at our customers, saying to ourselves, "There's no way they can afford it." But then luckily we had the foresight that there was more to raising prices than just charging your customers more. </p><h3>How it benefits old customers</h3><p><strong></strong>The first thing that just hit us automatically was... "Well, with our old customers, we can just <strong>discount</strong> them. It's not that bad. We're in the same place as we always were." But then it occurred to us, "Wait, wait, wait. If we discount our customers, then we're actually increasing our <strong>perceived value</strong>." Our existing customers now think, "Hey, they're actually selling something better that's more expensive, but I'm getting a deal," and by offering them that deal because of their loyalty, you <strong>engender more loyalty</strong>. So it can actually be good for old customers. </p><h3>How it benefits new customers </h3><p>Now, for new customers, once again, same sort of situation. You've increased the <strong>perceived value</strong>. So your customers who come to you think, "Oh, this company is professional. This company is willing to invest. This company is interested in providing the highest quality of services." In reality, because you've raised prices, you can. You can spend more time and money on each customer and actually do a better job. The third part is, "What's the worst that could happen?" If they say no, you offer them the <strong>discount</strong>. You're back where you started. You're in the same position that you were before.</p><h3>How it benefits your workers </h3><p>Now, here's where it really matters — your employees, your workers. If you are offering bottom line prices, you can't offer them <strong>raises</strong>, you can't offer them <strong>training</strong>, you can't <strong>hire them help,</strong> or you can't get <strong>better workers</strong>. But if you do, if you raise prices, the whole ecosystem that is your agency will do better. </p><h3>How it improves your resources</h3><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/2-28014.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;">Finally, and most importantly, which we'll talk a little bit more later, is that you can finally <strong>tool up</strong>. You can get the resources and capital that you need to actually succeed. I drew this kind of out.</p><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/1-86794.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p>If we have a graph of quality of services that you offer and the price that you sell at, most agencies think that they're offering great quality at a little price, but the reality is you're probably down here. You're probably under-selling your services and, because of that, you can't offer the best that you can.<br> </p><p>You should be up here. You should be offering higher quality, your experts who spend time all day studying this, and raising prices allows you to do that. </p><h2>2. Schedule</h2><p>Now, raising prices is only part one. The second thing is discipline, and I am really horrible about this. The reality is that I'm the kind of guy who looks for the latest and greatest and just jumps into it, but schedule matters. As hard as it is to admit it, I learned this from the CPC folks because they know that they have to stay on top of it every day of the week. </p><p>Well, here's something that we kind of came up with as I was leaving the company, and that was to set all of our customers as much as possible into a schedule. </p><ul> <li><strong>Annually:</strong> we would handle keywords and competitors doing complete analysis. </li> <li><strong>Semi-annually:</strong> Twice a year, we would do content analysis. What should you be writing about? What's changed in your industry? What are different keywords that you might be able to target now given additional resources?</li> <li><strong>Quarterly:</strong> You need to be looking at links. It's just a big enough issue that you've got to look at it every couple of months, a complete link analysis. </li> <li><strong>Monthly:</strong> You should be looking at your crawls. Moz will do that every week for you, but you should give your customers an idea, over the course of a month, what's changed. </li> <li><strong>Weekly:</strong> You should be doing rankings</li> </ul><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/3-41443.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p>But there are three things that, when you do all of these types of analysis, you need to keep in mind. Each one of them is a... </p><ul> <li><strong>Report</strong></li> <li><strong>Hours for consulting</strong></li> <li><strong>Phone call</strong></li> </ul><p>This might seem like a little bit of overkill. But of course, if one of these comes back and nothing changed, you don't need to do the phone call, but each one of these represents additional money in your pocket and importantly better service for your customers. </p><p>It might seem hard to believe that when you go to a customer and you tell them, "Look, nothing's changed," that you're actually giving them value, but the truth is that if you go to the dentist and he tells you, you don't have a cavity, that's good news. You shouldn't say to yourself at the end of the day, "Why'd I go to the dentist in the first place?" You should say, "I'm so glad I went to the dentist." By that same positive outlook, you should be selling to your customers over and over and over again, hoping to give them the clarity they need to succeed. </p><h2>3. Tool up!</h2><p>So number three, you're going to see this a lot in my videos because I just love SEO tools, but you've got to tool up. Once you've raised prices and you're making more money with your customers, you actually can. <strong>Tools are superpowers</strong>. Tools allow you to do things that humans just can't do. Like I can't figure out the link graph on my own. I need tools to do it. But tools can do so much more than just auditing existing clients. For example, they can give you... </p><h3>Better leads: </h3><p>You can use tools to find opportunities.Take for example the tools within Moz and you want to find other car dealerships in the area that are really good and have an opportunity to rank, but aren't doing as well as they should be in SERPs. You want to do this because you've already serviced successfully a different car dealership. Well, tools like Moz can do that. You don't just have to use Moz to help your clients. You can use them to help yourself. </p><h3>Better pre-audits: </h3><p>Nobody walks into a sales call blind. You know who the website is. So you just start with a great pre-audit. </p><h3>Faster workflows: </h3><p>Which means you make more money quicker. If you can do your keyword analysis annually in half the time because you have the right tool for it, then you're going to make far more money and be able to serve more customers. </p><h3>Bulk pricing: </h3><p>This one is just mind-blowingly simple. It's bulk pricing. Every tool out there, the more you buy from them, the lower the price is. I remember at my old company sitting down at one point and recognizing that every customer that came in the door would need to spend about $1,000 on individual accounts to match what they were getting through us by being able to take advantage of the bulk discounts that we were getting as an agency by buying these seats on behalf of all of our customers. </p><p>So tell your clients when you're talking to them on the phone, in the pitch be like, "Look, we use Moz, Majestic, Ahrefs, SEMrush," list off all of the competitors. "We do Screaming Frog." Just name them all and say, "If you wanted to go out and just get the data yourself from these tools, it would cost you more than we're actually charging you." The tools can sell themselves. You are saving them money. </p><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/5-81158.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><h2>4. Just say NO</h2><p>Now, the last section, real quickly, are the things you've just got to learn to say no to. One of them has a little nuance to it. There's going to be some bite back in the comments, I'm pretty sure, but I want to be careful with it. </p><h3>No month-to-month contracts</h3><p>The first thing to say no to is month-to-month contracts. </p><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/7-61825.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p>If a customer comes to you and they say, "Look, we want to do SEO, but we want to be able to cancel every 30 days." the reality is this. They're not interested in investing in SEO. They're interested in dabbling in SEO. They're interested in experimenting with SEO. Well, that's not going to succeed. It's only going to take one competitor or two who actually invest in it to beat them out, and when they beat them out, you're going to look bad and they're going to cancel their account with you. So sit down with them and explain to them that it is a long-term strategy and it's just not worth it to your company to bring on customers who aren't interested in investing in SEO. Say it politely, but just turn it away. </p><h3>Don't turn anything away</h3><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/8-62716.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p>Now, notice that my next thing is don't turn anything away. So here's something careful. Here's the nuance. It's really important to learn to fire clients who are bad for your business, where you're losing money on them or they're just impolite, but that doesn't mean you have to turn them away. You just need to turn them in the right direction. That right direction might be tools themselves. You can say, "Look, you don't really need our consulting hours. You should go use these tools." Or you can turn them to other fledgling businesses, friends you have in the industry who might be struggling at this time. </p><p>I'll tell you a quick example. We don't have much time, but many, many years ago, we had a client that came to us. At our old company, we had a couple of rules about who we would work with. We chose not to work in the adult industry. But at the time, I had a friend in the industry. He lived outside of the United States, and he had fallen on hard times. He literally had his business taken away from him via a series of just really unscrupulous events. I picked up the phone and gave him a call. I didn't turn away the customer. I turned them over to this individual. </p><p>That very next year, he had ended up landing a new job at the top of one of the largest gambling organizations in the world. Well, frankly, they weren't on our list of people we couldn't work with. We landed the largest contract in the history of our company at that time, and it set our company straight for an entire year. It was just because instead of turning away the client, we turned them to a different direction. So you've got to say no to turning away everybody. They are opportunities. They might not be your opportunity, but they're someone's. </p><h3>No service creep</h3><p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/9-64816.jpg" style="box-shadow: 0 0 10px 0 #999; border-radius: 20px;"> </p><p><span style="background-color: initial;">The last one is service creep. Oh, man, this one is hard. A customer comes up to you and they list off three things that you offer that they want, and then they say, "Oh, yeah, we need social media management." Somebody else comes up to you, three things you want to offer, and they say, "Oh yeah, we need you to write content," and that's not something you do. You've just got to not do that. You've got to learn to shave off services that you can't offer. Instead, turn them over to people who can do them and do them very well.</span> </p><p>What you're going to end up doing in your conversation, your sales pitch is, "Look, I'm going to be honest with you. We are great at some things, but this isn't our cup of tea. We know someone who's really great at it." That honesty, that candidness is just going to give them such a better relationship with you, and it's going to build a stronger relationship with those other specialty companies who are going to send business your way. So it's really important to learn to say no to say no service creep. </p><p>Well, anyway, there's a lot that we went over there. I hope it wasn't too much too fast, but hopefully we can talk more about it in the comments. I look forward to seeing you there. Thanks. </p><p><strong></strong> </p><p><strong><a href="http://www.speechpad.com/page/video-transcription/" target="_blank">Video transcription</a> by <a href="http://www.speechpad.com/" target="_blank">Speechpad.com</a> </strong> </p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p><img src="http://feedpress.me/9375/9194717.gif" height="1" width="1"/> How to go to Iceland for Free https://www.nerdwallet.com/blog/travel/how-to-go-to-iceland-for-free/ NerdWallet urn:uuid:030789ff-3c64-8bf2-4f7c-ee9fd63255be Thu, 17 May 2018 21:14:40 +0000 Who doesn’t like a good flight deal? Especially when said deal includes a free stopover in a captivating city like Reykjavik. Icelandair is offering low fares from several U.S. cities,… <p>Who doesn’t like a good flight deal? Especially when said deal includes a free stopover in a captivating city like Reykjavik. Icelandair is offering low fares from several U.S. cities, including New York, Chicago and Seattle, to London this fall. And all routes include a multi-day stopover in Iceland on either leg of the trip....</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Mary M. Flory is a writer at NerdWallet. Email: mflory@nerdwallet.com. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article How to go to Iceland for Free originally appeared on NerdWallet.</p><span data-post-id="513628"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=513628" style="display: none;" data-has-syndication-rights="1" /> How to Go to Iceland for Free https://www.nerdwallet.com/blog/travel/how-to-go-to-iceland-for-free/ NerdWallet urn:uuid:df54fc15-ef8d-e4e7-1ad7-5ff1e0d9c2fd Thu, 17 May 2018 21:14:40 +0000 Who doesn’t like a good flight deal? Especially when said deal includes a free stopover in a captivating city like Reykjavik. Icelandair is offering low fares from several U.S. cities,… <p>Who doesn’t like a good flight deal? Especially when said deal includes a free stopover in a captivating city like Reykjavik. Icelandair is offering low fares from several U.S. cities, including New York, Chicago and Seattle, to London this fall. And all routes include a multi-day stopover in Iceland on either leg of the trip....</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Mary M. Flory is a writer at NerdWallet. Email: mflory@nerdwallet.com. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article How to Go to Iceland for Free originally appeared on NerdWallet.</p><span data-post-id="513628"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=513628" style="display: none;" data-has-syndication-rights="1" /> Retiring to Ocean Breezes and Cheap Rent. What’s the Catch? https://www.nerdwallet.com/blog/finance/retiring-abroad/ NerdWallet urn:uuid:fd8cb783-8606-beeb-8a3e-6147edf142a1 Thu, 17 May 2018 20:44:11 +0000 The world is full of tropical paradises and other exotic places where a couple can live comfortably on $2,000 a month or less. Plus, good health care abroad can cost… <p>The world is full of tropical paradises and other exotic places where a couple can live comfortably on $2,000 a month or less. Plus, good health care abroad can cost a fraction of what it does in the U.S. If living more cheaply is the only reason you’d retire to another country, though, you’re likely...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article Retiring to Ocean Breezes and Cheap Rent. What’s the Catch? originally appeared on NerdWallet.</p><span data-post-id="518729"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=518729" style="display: none;" data-has-syndication-rights="1" /> Best Credit Union Mortgage Lenders of 2018 https://www.nerdwallet.com/blog/mortgages/best-credit-union-mortgage-lenders/ NerdWallet urn:uuid:9e9e7201-4a7a-a9d6-48c2-052c325ebe49 Thu, 17 May 2018 20:24:18 +0000 You may have heard good things about credit union mortgages. Credit unions are member-owned nonprofit organizations that use their profits to reduce costs and fees, and to offer higher savings… <p>NerdWallet offers financial tools and advice to help you understand your options and make the best possible decisions. The guidance we offer and information we provide are deeply researched, objective and independent. We spent over 400 hours reviewing the top mortgage lenders before selecting the best for our readers. We’ve picked at least two lenders...</p><p class="nw-originally-posted-link">The article Best Credit Union Mortgage Lenders of 2018 originally appeared on NerdWallet.</p><span data-post-id="522925"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=522925" style="display: none;" data-has-syndication-rights="1" /> How (and Why) I Persuaded My Husband to Switch to a Credit Card https://www.nerdwallet.com/blog/credit-cards/credit-cards-vs-debit-cards-husband-is-persuaded/ NerdWallet urn:uuid:cce60e5a-01a1-ea24-d4d1-b12b5499a488 Thu, 17 May 2018 20:11:16 +0000 When my husband and I first started dating, we were both frugal by necessity: Our graduate student budgets and accumulating student loans didn’t leave much room for splurging. While we… <p>When my husband and I first started dating, we were both frugal by necessity: Our graduate student budgets and accumulating student loans didn’t leave much room for splurging. While we agreed, for the most part, on how much to spend, we differed greatly on how to make those purchases. For me, using a credit card...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Kimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article How (and Why) I Persuaded My Husband to Switch to a Credit Card originally appeared on NerdWallet.</p><span data-post-id="521660"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521660" style="display: none;" data-has-syndication-rights="1" /> How to Talk to a Robo-Advisor https://www.nerdwallet.com/blog/investing/how-to-talk-to-robo-advisor/ NerdWallet urn:uuid:34575ca3-fe1f-7e98-f36e-8504a107513e Thu, 17 May 2018 19:44:05 +0000 Signing up with a robo-advisor is like having your own financial planning robot. You answer questions online about your goals and risk tolerance, then the robo uses algorithms and super-smart… <p>Signing up with a robo-advisor is like having your own financial planning robot. You answer questions online about your goals and risk tolerance, then the robo uses algorithms and super-smart software to assemble and manage an investment portfolio for you. You can do the whole process without having to talk to anyone, which is why...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Barbara Marquand is a writer at NerdWallet. Email: bmarquand@nerdwallet.com. Twitter: @barbaramarquand. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article How to Talk to a Robo-Advisor originally appeared on NerdWallet.</p><span data-post-id="522914"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=522914" style="display: none;" data-has-syndication-rights="1" /> To Fight Airplane Germs, Be Practical, Not Panicky https://www.nerdwallet.com/blog/travel/how-to-avoid-germs-on-planes/ NerdWallet urn:uuid:1b00a2f8-ee4a-b54f-10c7-734f07f29251 Thu, 17 May 2018 17:53:57 +0000 When Ricky Shetty, a frequent traveler and blogger, gets on an airplane, he usually brings a small container of hand sanitizer with him, as well as baby wipes to clean… <p>When Ricky Shetty, a frequent traveler and blogger, gets on an airplane, he usually brings a small container of hand sanitizer with him, as well as baby wipes to clean tray tables. He also avoids touching anything in the lavatory, even using a paper towel to open the door if necessary. Shetty is one of...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Kimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article To Fight Airplane Germs, Be Practical, Not Panicky originally appeared on NerdWallet.</p><span data-post-id="520799"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=520799" style="display: none;" data-has-syndication-rights="1" /> What is an SSL Certificate and How It Can Help Your Website https://blog.kissmetrics.com/what-is-ssl/ The KISSmetrics Marketing Blog urn:uuid:554c2965-dd08-487f-5fae-f5cfa5f187d8 Thu, 17 May 2018 17:27:42 +0000 You might be wondering: “Why is my website showing up as an unsecured site in Google Chrome?” The answer is because you don’t have an SSL certificate that converts your pages into secure, encrypted HTTPS pages. Some people may think that there’s no need for an SSL certificate if your website isn’t used to store [&#8230;] <p>You might be wondering: “Why is my website showing up as an unsecured site in Google Chrome?”</p> <p>The answer is because you don’t have an SSL certificate that converts your pages into secure, encrypted HTTPS pages. </p> <p>Some people may think that there’s no need for an SSL certificate if your website isn’t used to store or process sensitive information, or that an HTTP protocol is enough.</p> <p>That may have been the case a decade ago, but it simply doesn’t hold true today. </p> <p>When visitors see the <a href="https://developers.google.com/web/updates/2016/10/avoid-not-secure-warn" target="_blank">“Not secure” tag</a> that comes along with the lack of an SSL certificate, they’ll be less likely to stay on your site or interact with your company. </p> <p>Or buy anything from you at all. </p> <p>In this post, we’re going to cover what an SSL certificate is and how it can be used to help your website. </p> <p>So what does SSL stand for, anyway?</p> <h2>What is an SSL Certificate?</h2> <p>SSL certificates are data files that add a cryptographic key together with a company’s details. SSL stands for <a href="https://blog.hubspot.com/marketing/what-is-ssl" target="_blank">Secure Sockets Layer</a>. </p> <p>In layman’s terms, SSL certificates bind a domain name, server name, or hostname together with a company name and location. </p> <p>When they’re installed on a web server, they activate a padlock that shows that a secure connection is present between a browser and the web server. </p> <p>These padlocks, which are added to most of your favorite websites, <a href="https://www.tunetheweb.com/blog/what-does-the-green-padlock-really-mean/" target="_blank">look something like this</a>: </p> <p><center><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/padlocks-in-chrome.png" alt="SSL padlocks in chrome" class="alignnone size-full wp-image-37153" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/padlocks-in-chrome.png 331w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/padlocks-in-chrome-300x174.png 300w" sizes="(max-width: 331px) 100vw, 331px" /></a></center></p> <p>They signify to site visitors that the owner of a website is encrypting connections on the page, which makes for a more secure experience. </p> <p>Usually, SSLs can be used to secure transactions, logins, and data transfer. In today’s world, it has become commonplace for social media sites to have SSL certificates, too. </p> <p>Twitter has one:</p> <p><center><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/twitter-padlock.png" alt="twitter SSL padlock" class="alignnone size-full wp-image-37154" /></a></center></p> <p>Facebook has one: </p> <p><center><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/facebook-https-padlock.png" alt="facebook SSL padlock" class="alignnone size-full wp-image-37155" /></a></center></p> <p>And even Reddit has one: </p> <p><center><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/reddit-https-padlock.png" alt="reddit SSL padlock" class="alignnone size-full wp-image-37156" /></a></center></p> <p>When you open an SSL certificate up, it usually looks <a href="https://www.globalsign.com/en-ph/ssl-information-center/what-is-an-ssl-certificate/" target="_blank">something like this</a>: </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/https-certificate-information.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/https-certificate-information.png" alt="SSL certificate information" class="alignnone size-full wp-image-37157" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/https-certificate-information.png 516w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/https-certificate-information-245x300.png 245w" sizes="(max-width: 516px) 100vw, 516px" /></a></p> <p>This particular certificate lists who it was issued to, who it was issued by, and the dates that it is valid from and to. This one is valid until 2019. </p> <p>That way, site visitors won’t have to second guess if your web page is safe, secure, or legitimate. </p> <p>The bottom line? If you <a href="https://blog.kissmetrics.com/build-a-trustworthy-website/" target="_blank">want your site to be trustworthy</a>, you’ll need an SSL certificate. </p> <p>Here’s how an SSL certificate works. </p> <h2>How Does an SSL Work</h2> <p>When you access a website, the browser or server requests that your web server reveals it’s identity. </p> <p>A web server with an SSL certificate sends the browser or server a copy of it for review. </p> <p>Then, the browser or server will check to determine whether or not it trusts the certificate. If it does, it relays the message back to the web server. </p> <p>Then, the web server sends back a digitally signed acknowledgment and an SSL encrypted session begins. </p> <p><a href="https://www.ibm.com/support/knowledgecenter/en/SS6MER_9.5.0/com.ibm.bigfix.doc/c_SSL_overview.html" target="_blank">Encrypted, secured data is then shared</a> between the browser or server and the web server. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/how-ssl-works.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/how-ssl-works.png" alt="how SSL works" class="alignnone size-full wp-image-37158" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/how-ssl-works.png 828w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/how-ssl-works-300x121.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/how-ssl-works-768x311.png 768w" sizes="(max-width: 828px) 100vw, 828px" /></a></p> <p>The benefits to using SSL certificates are huge. For starters, SSL makes browsing safer for your customers, builds trust and boosts conversions, and protects both internal and customer data. </p> <p>They also help you rank higher in Google since they’re made possible with HTTPS. </p> <p>But what is HTTPS and why is it important?</p> <h2>Why HTTPS?</h2> <p>HTTPS stands for Hypertext Transfer Protocol Secure. It is an application layer protocol that was created to transfer and receive data over the internet. </p> <p>In comparison to plain old Hypertext Transfer Protocol, or HTTP, <a href="https://www.instantssl.com/ssl-certificate-products/https.html" target="_blank">HTTPS encrypts all communication</a> between a browser and a website. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/http-vs-https.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/http-vs-https.png" alt="difference between http and https" class="alignnone size-full wp-image-37159" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/http-vs-https.png 515w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/http-vs-https-300x288.png 300w" sizes="(max-width: 515px) 100vw, 515px" /></a></p> <p>HTTP does not. The added S in HTTPS is much more than a letter. </p> <p>This means that data sent through an HTTPS connection is converted into a nearly impenetrable code to prevent unauthorized hackers from getting their hands on it. </p> <p>And even if they do, they won’t be able to understand it or make sense of it. Encryption can take a simple message, like “hello” and turn it into an unidentifiable code, like “6EB6957008E03CE4.”</p> <p>An application layer protocol doesn’t discriminate when it comes to how information is transferred between sources, so your site visitors will all be treated with equal security. </p> <p>HTTPS is commonly used by e-commerce websites in order to ensure secure transactions for customers when purchasing products. </p> <p>Let’s take a closer look at the importance and advantages of the HTTPS protocol that SSL certificates provide. </p> <h3>The Importance and Advantages of SSL</h3> <p>Google’s main goal is to provide users with secure browsing options. That’s why they’re encouraging site owners to make the switch over to HTTPS. </p> <p>In fact, <a href="https://www.searchenginejournal.com/google-is-requiring-https-for-secure-data-in-chrome/183756/" target="_blank">Google is now marking all non-HTTPS sites</a> as unsecure. </p> <p><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/http-not-secure.png" alt="http not secure" class="alignnone size-full wp-image-37161" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/http-not-secure.png 582w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/http-not-secure-300x107.png 300w" sizes="(max-width: 582px) 100vw, 582px" /></a></p> <p>And if you’re selling products or services from your site, an HTTPS seal of approval could <a href="https://blog.kissmetrics.com/help-your-website-sell/" target="_blank">help you sell even more</a>. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/secure-credit-card-payment.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/secure-credit-card-payment.png" alt="secure credit card payment" class="alignnone size-full wp-image-37162" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/secure-credit-card-payment.png 652w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/secure-credit-card-payment-300x145.png 300w" sizes="(max-width: 652px) 100vw, 652px" /></a></p> <p>Think about it: would you hesitate if you were ready to buy something and you saw a header like “Secure payment?” Probably not. </p> <p>But if you saw something on a checkout page mentioning that things were “not secure,” you’d probably be gone faster than a toupee in a hurricane. </p> <p>Once you have an SSL certificate and an HTTPS protocol, don’t be afraid to show it off to your customers and boast about it to help boost sales and transparency. </p> <p>HTTPS can also help your SEO and conversions. </p> <h3>How SSL Can Help Your SEO And Conversions</h3> <p>Google rewards URLs with HTTPS protocols for being secure, which gives them a minor <a href="https://blog.kissmetrics.com/simple-guide-to-seo/" target="_blank">SEO boost</a> in comparison to sites without them. </p> <div class="fve-video-wrapper fve-image-embed fve-thumbnail-image youtube" style="padding-bottom:56.25%;"> <iframe src="//www.youtube.com/embed/gmB_TC92I8w?wmode=transparent&modestbranding=1&autohide=1&showinfo=0&rel=0" width="100%" height="100%" frameborder="0" webkitAllowFullScreen mozallowfullscreen allowFullScreen></iframe> </div> <p>This means increased rankings and more referral data.</p> <p>Referral data is preserved when it passes through HTTPS sites, which can also help to <a href="https://seopressor.com/blog/http-vs-https/" target="_blank">increase your search engine placements</a>. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/ssl-advantages.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/ssl-advantages.jpg" alt="ssl advantages" class="alignnone size-full wp-image-37163" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/ssl-advantages.jpg 648w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/ssl-advantages-300x130.jpg 300w" sizes="(max-width: 648px) 100vw, 648px" /></a></p> <p>Rankings will continue to increase over time if your site operates on HTTPS since visitors can always rest assured that browsing on your site is secure. </p> <p>But there are several different types of SSL certificates you should be aware of. </p> <h2>Types of SSL Certificates</h2> <p>When choosing an SSL certificate, you need to pick the one that works best for you and your site. </p> <p>There are <a href="https://www.thesslstore.com/new-to-ssl/ssl-authentication-levels.aspx" target="_blank">three main types</a> of SSL certificates. </p> <ol> <li>Domain Validated (DV SSL) Certificates</li> <li>Organization Validated (OV SSL) Certificates</li> <li>Extended Validation (EV SSL) Certificates</li> </ol> <p>DV SSL certificates are issued almost immediately, and no company paperwork is required to obtain one.</p> <p>No company identity is displayed on this type of SSL certificate other than encryption information, but it is enough to activate <a href="https://www.cheapsslshop.com/blog/differences-between-extended-validation-ssl-and-domain-validation-ssl-certificate" target="_blank">the “secure” padlock</a> on your URL. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/activated-padlock-secure-https.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/activated-padlock-secure-https.png" alt="activated padlock secure https" class="alignnone size-full wp-image-37164" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/activated-padlock-secure-https.png 916w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/activated-padlock-secure-https-300x82.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/activated-padlock-secure-https-768x210.png 768w" sizes="(max-width: 916px) 100vw, 916px" /></a></p> <p>While there’s no questioning that your information will be encrypted when visiting a site with a DV SSL certificate, there’s no way for customers to verify who is on the other end of the data. </p> <p>These certificates are the easiest and quickest to get, and they’re also the cheapest. But they’re the least secure of all SSL certificates. </p> <p>If you just have a small personal website or forum that needs some added encryption, a DV SSL certificate is a solid choice. </p> <p>OV SSL certificates are more secure than DV SSL certificates but less secure than EV SSL certificates. They’re also usually right in the middle of the two when it comes to cost, as well. </p> <p>They are issued within a couple of days and require you to: </p> <ul> <li>Authenticate your organization</li> <li>Prove your right to request a certification</li> </ul> <p>When you obtain an OV SSL certificate, the “secure” padlock will be added to your URL, as well as <a href="https://www.webpagefx.com/blog/web-design/developing-trust-towards-your-website-options/" target="_blank">some kind of site seal</a>, depending on where you purchase it from. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/ssl-provider-seals.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/ssl-provider-seals.png" alt="ssl provider seals" class="alignnone size-full wp-image-37165" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/ssl-provider-seals.png 550w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/ssl-provider-seals-300x133.png 300w" sizes="(max-width: 550px) 100vw, 550px" /></a></p> <p>If you have a large, public-facing website that handles some non-sensitive transactional data on a regular basis, an OV SSL is a good certificate to go with. </p> <p>EV SSL certificates, on the other hand, require several steps before they can be obtained. To get an EV SSL certificate, you must usually: </p> <ul> <li>Verify the legal existence of your company</li> <li>Verify that the identity of your company matches official records</li> <li>Verify that your company has the right to use the domain listed in the EV SSL certificate</li> <li>Verify that your company has authorized the issuance of the SSL certificate</li> </ul> <p>EV SSL certificates are harder to get in comparison to other types, but they are more secure than DV SSL and OV SSL certificates. </p> <p>You know exactly who is on the other end of the website with this kind of certificate. </p> <p>These certificates are usually issued within several days and are the most expensive to obtain. The company name is displayed in the URL <a href="https://www.digicert.com/ev-ssl-certification/" target="_blank">next to the “secure” padlock</a>. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/digicert-ssl.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/digicert-ssl.jpg" alt="digicert SSL" class="alignnone size-full wp-image-37166" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/digicert-ssl.jpg 858w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/digicert-ssl-300x105.jpg 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/digicert-ssl-768x268.jpg 768w" sizes="(max-width: 858px) 100vw, 858px" /></a></p> <p>Your address bar may also turn green. </p> <p>If you are an e-commerce site or you handle credit card payments and other sensitive data regularly, you need an EV SSL for maximum security. </p> <p>How do you know what the best SSL certificate is for you?</p> <h2>What&#8217;s the Best SSL Certificate?</h2> <p>While all three different kinds of SSL certificates are better than no certificate, you have to pick the one that works the best for your budget and site needs. </p> <p>Most sites that offer SSL certificates, like <a href="https://www.godaddy.com/" target="_blank">GoDaddy</a>, <a href="https://www.cloudflare.com/" target="_blank">Cloudflare</a>, and <a href="https://www.comodo.com/" target="_blank">Comodo</a>, offer all three. </p> <p>Let’s analyze GoDaddy first. </p> <h3>GoDaddy</h3> <p>All SSL certificates from GoDaddy include SHA-2 and 2048-bit encryption, which is about the strongest out there on the market today. </p> <p>With a certificate from GoDaddy, you’ll be able to protect unlimited servers, reissue your certificate as many times as needed for free, and reach 24/7 security support. </p> <p>You’ll also receive as much as $1 million in liability protection and a 30-day money back guarantee. </p> <p><a href="https://www.godaddy.com/web-security/ssl-certificate#compare" target="_blank">A DV SSL is $59.99 a year</a>, an OV SSL is $103.99 per year, and an EV SSL is $99.99 per year.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/comparison-of-types-of-SSL.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/comparison-of-types-of-SSL.png" alt="comparison of types of SSL" class="alignnone size-full wp-image-37167" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/comparison-of-types-of-SSL.png 550w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/comparison-of-types-of-SSL-300x156.png 300w" sizes="(max-width: 550px) 100vw, 550px" /></a></p> <p>With Cloudflare, you can get a base SSL for a more affordable price. </p> <h3>Cloudflare</h3> <p>With Cloudflare, you can get the base SSL service for free. There’s no hidden details or fine print. </p> <p>For more advanced features or SSL certificates, you’ll need to upgrade to a paid plan. </p> <p>All that you need to implement Cloudflare’s SSL services is create an account and update your site’s DNS records. </p> <p>Cloudflare’s HTTPS options provide additional services beyond regular HTTS that can help you boost page loading times and site speed. </p> <p>Cloudflare serves your site visitors a cached version of your site to help make it faster for users. </p> <p>However, SSL with Cloudflare only encrypts the connection between site visitors and the cached version of your site. </p> <p>It <a href="https://www.cloudflare.com/ssl/" target="_blank">doesn’t encrypt the connection</a> that exists between your site and your server. </p> <p><center><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/cloudflare-ssl.png" alt="cloudflare ssl" class="alignnone size-full wp-image-37169" /></a></center></p> <p>This means that your server connection could still be hacked. </p> <p>If you want a full SSL certificate complete with encryption for your server, you might have to pay as much as $200 per month per domain for <a href="https://www.cloudflare.com/ssl/dedicated-certificates/" target="_blank">Cloudflare’s Business plan</a>. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/cloudflare-ssl-pricing.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/cloudflare-ssl-pricing.jpg" alt="cloudflare ssl pricing" class="alignnone size-full wp-image-37170" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/cloudflare-ssl-pricing.jpg 778w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/cloudflare-ssl-pricing-300x150.jpg 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/cloudflare-ssl-pricing-768x385.jpg 768w" sizes="(max-width: 778px) 100vw, 778px" /></a></p> <p>Other features included in the Business package include a web application firewall, prioritized email support, and guaranteed 100% uptime for your website. </p> <p>Comodo SSL certificates are a bit more secure than Cloudflare.</p> <h3>Comodo</h3> <p>A DV SSL certificate from Comodo will set you back about $70.95 per year. A warranty level of $10,000 is included. </p> <p>OV SSL certificates can cost anywhere from $88.95 to $427.95 per year, depending on the one you choose. Warranty levels are anywhere from $50,000 to $250,000 for this SSL. </p> <p>An EV SSL is $199.50 per year and includes a warranty level of $1,750,000. </p> <p>Every SSL certificate from Comodo features 128/256 bit encryption, 2048 bit root keys, unlimited reissuance and a 30-day money back guarantee, </p> <p>Each certificate features <a href="https://www.hackerguardian.com/index.php?track=#_ga=2.198234343.999007527.1525060376-821780914.1525060376" target="_blank">HackerGuardian PCI scanning service</a>, as well.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/hacker-guardian-comodo-ssl.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/hacker-guardian-comodo-ssl.jpg" alt="hacker guardian comodo ssl" class="alignnone size-full wp-image-37171" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/hacker-guardian-comodo-ssl.jpg 924w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/hacker-guardian-comodo-ssl-300x142.jpg 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/hacker-guardian-comodo-ssl-768x364.jpg 768w" sizes="(max-width: How to Optimize Your Facebook Page Preview in the News Feed https://www.socialmediaexaminer.com/how-to-optimize-facebook-page-preview-in-news-feed/ Social Media Examiner urn:uuid:840ed857-4369-c0e6-b1f2-9ea9b43b6635 Thu, 17 May 2018 10:00:47 +0000 <img width="1200" height="630" src="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200.png" class="webfeedsFeaturedVisual wp-post-image" alt="" style="display: block; margin-bottom: 5px; clear:both;max-width: 100%;" srcset="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200.png 1200w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200-150x79.png 150w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200-300x158.png 300w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200-768x403.png 768w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200-1024x538.png 1024w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200-495x260.png 495w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200-770x404.png 770w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200-450x236.png 450w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200-920x483.png 920w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-page-news-feed-preview-how-to-optimize-1200-600x315.png 600w" sizes="(max-width: 1200px) 100vw, 1200px" /><p>Want to increase page likes on Facebook? Are you capitalizing on the page preview shown when users hover on your page name on Facebook? In this article, you&#8217;ll discover how to optimize your Facebook page preview to boost likes and bring new fans on board. Why Facebook Page Previews Matter Page previews appear when someone <a class="read-more" href="https://www.socialmediaexaminer.com/how-to-optimize-facebook-page-preview-in-news-feed/">[...]</a></p> <p>This post <a rel="nofollow" href="https://www.socialmediaexaminer.com/how-to-optimize-facebook-page-preview-in-news-feed/">How to Optimize Your Facebook Page Preview in the News Feed</a> first appeared on Social Media Examiner.</p> Make Saving for Retirement Easier — Invest Some Fun https://www.nerdwallet.com/article/make-saving-for-retirement-easier-invest-some-fun NerdWallet urn:uuid:b3e2c4d4-533f-bf9b-d78f-16975271fe91 Thu, 17 May 2018 03:00:37 +0000 Being told to save for retirement when you’re starting a career can sound as appealing as “eat your vegetables” did when you were a kid at the dinner table. But… <p>Being told to save for retirement when you’re starting a career can sound as appealing as “eat your vegetables” did when you were a kid at the dinner table. But the task doesn’t have to be as drab as digging into a plate of steamed cauliflower. You can spice up the process to make saving...</p><p class="nw-originally-posted-link">The article Make Saving for Retirement Easier — Invest Some Fun originally appeared on NerdWallet.</p><span data-post-id="522018"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=522018" style="display: none;" data-has-syndication-rights="1" /> Narrow Down Your Next Trip With These 4 Questions https://www.nerdwallet.com/blog/travel/narrow-down-your-next-trip-with-these-four-questions/ NerdWallet urn:uuid:39ce18be-0a4e-9056-2321-d75dc7af0ada Wed, 16 May 2018 21:08:24 +0000 Our world is full of beautiful places, distinct cultures, fascinating people and exotic flavors. But having so many options can make it hard to figure out where to go for… <p>Our world is full of beautiful places, distinct cultures, fascinating people and exotic flavors. But having so many options can make it hard to figure out where to go for your next adventure, especially if you’re on a budget and have limited vacation time. Ask yourself these four quick questions to help you narrow down...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Heather Yamada-Hosley is a writer at NerdWallet. Email: heather@nerdwallet.com. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article Narrow Down Your Next Trip With These 4 Questions originally appeared on NerdWallet.</p><span data-post-id="523191"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=523191" style="display: none;" data-has-syndication-rights="1" /> These Young Adults Are Totally Debt-Free — True Story https://www.nerdwallet.com/blog/finance/young-and-debt-free/ NerdWallet urn:uuid:1e071d5d-cb6c-81e2-fb25-2e6f9d9a82c6 Wed, 16 May 2018 19:00:24 +0000 Entering adulthood saddled with student loans and possibly other debt is the norm for most American millennials today. But debt is not like an allergy — you don’t have to… <p>Entering adulthood saddled with student loans and possibly other debt is the norm for most American millennials today. But debt is not like an allergy — you don’t have to live with it forever. Those who paid off debt at a young age say taking the reins early — even if you don’t earn a...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Amrita Jayakumar is a writer at NerdWallet. Email: ajayakumar@nerdwallet.com. Twitter: @ajbombay. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article These Young Adults Are Totally Debt-Free — True Story originally appeared on NerdWallet.</p><span data-post-id="518035"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=518035" style="display: none;" data-has-syndication-rights="1" /> Best Savings Rates May 2018 https://www.nerdwallet.com/blog/banking/best-savings-rates/ NerdWallet urn:uuid:e774087e-3dbc-42a5-7db0-f31f3e242843 Wed, 16 May 2018 17:15:07 +0000 The best savings rate enables you to make more money on your money. Whether building an emergency fund or putting cash aside for a new adventure, take advantage of high-yield… <p>+ See a summary of our picks Best savings rates CIT Bank, 1.75% APY with $100 minimum Marcus by Goldman Sachs, 1.70% APY with no minimum Synchrony Bank, 1.65% APY with no minimum Capital One 360, 1.60% APY with $10,000 minimum UFB Direct, 1.60% APY with $5,000 minimum Popular Direct, 2.00% APY with $5,000 minimum...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Spencer Tierney is a writer at NerdWallet. Email: spencer.tierney@nerdwallet.com. Twitter: @SpencerNerd. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article Best Savings Rates May 2018 originally appeared on NerdWallet.</p><span data-post-id="515942"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=515942" style="display: none;" data-has-syndication-rights="1" /> Why Live Video Is Your Next Big Win (and How to Start Dominating Today) https://blog.kissmetrics.com/live-video/ The KISSmetrics Marketing Blog urn:uuid:9b7fecb4-0af3-0caa-429f-a7d3d692832b Wed, 16 May 2018 16:35:38 +0000 Live video commands the attention of the business world. Projections show that live streaming will be worth a staggering $70.05 billion by 2021. Unlike ever before, people have a means of interacting with their favorite brands. They can do this at the exact moment that those brands are reaching out. This means that potential customers [&#8230;] <p>Live video commands the attention of the business world. </p> <p>Projections show that live streaming will be worth a <a href="http://www.visualstorytell.com/blog/how-to-plan-your-live-video-storytelling-strategy" target="_blank">staggering $70.05 billion by 2021</a>. </p> <p>Unlike ever before, people have a means of interacting with their favorite brands. They can do this at the <em>exact</em> moment that those brands are reaching out.</p> <p>This means that potential customers can (and often do) direct the action.</p> <p>Here’s the good news:</p> <p>You can use live video to engage <em>your</em> customers at the starting price of $0. </p> <p>So, what’s stopping you from jumping in and using live video, too?</p> <p>If you’re like most beginners, you’re stuck on choosing which platform is best for your needs. Luckily, live video is versatile, and most platforms are quick and easy to set up.</p> <p>You can use Facebook, Instagram, YouTube, Periscope, or a variety of other platforms. </p> <p>Your platform of choice will largely depend on your target audience. Once you choose your platform, live streaming is simple. You’ll be crushing video in no time.</p> <p>And I’m happy to teach you how. But first, you need to understand a little bit about how live video works.</p> <h2>What is live video?</h2> <p>Video content has proven itself to be some of the most compelling content on the Internet in 2018.</p> <p><a href="https://research.hubspot.com/content-trends-preferences?_ga=2.204948819.2146153393.1519229506-319341256.1485545754#video" target="_blank">Streaming is in demand.</a></p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/people-want-more-video-content.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/people-want-more-video-content.png" alt="people want more video content according to survey" class="alignnone size-full wp-image-37088" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/people-want-more-video-content.png 1163w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/people-want-more-video-content-300x160.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/people-want-more-video-content-768x411.png 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/people-want-more-video-content-1024x548.png 1024w" sizes="(max-width: 1163px) 100vw, 1163px" /></a></p> <p>In fact, projections show that <a href="https://blog.kissmetrics.com/is-it-time-to-add-video-marketing-to-your-content-marketing/" target="_blank">video will account for 82% of all web traffic</a> by 2021.</p> <p>Why?</p> <p>Live streaming taps into a uniquely <a href="https://idearocketanimation.com/4293-video-worth-1-million-words/" target="_blank">human affinity for sharing and storytelling</a>.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/video-is-worth-1.8-million-words.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/video-is-worth-1.8-million-words.png" alt="video is worth 1.8 million word per minute" class="alignnone size-full wp-image-37090" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/video-is-worth-1.8-million-words.png 563w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/video-is-worth-1.8-million-words-300x225.png 300w" sizes="(max-width: 563px) 100vw, 563px" /></a></p> <p>But what differentiates regular video from live video? </p> <p>Live video is video that a user broadcasts live to an audience of real people engaging in the same exact space.</p> <p>The hook is that, instead of it being like TV or similar broadcasted video platforms, this iteration of live video goes through <em>social media</em>.</p> <p>And on social media, people can have an active conversation with the broadcaster.</p> <p>Live video streams are commonly buzzing with comments and discussions that build a feeling of kinetic energy.</p> <p><center><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/applegate-instagram-comments.jpg" alt="applegate instagram comments" class="alignnone size-full wp-image-37091" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/applegate-instagram-comments.jpg 312w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/applegate-instagram-comments-178x300.jpg 178w" sizes="(max-width: 312px) 100vw, 312px" /></a></center></p> <p>To be a part of the action is to be included.</p> <p>This not only allows brands to create more authentic connections with customers, but it also gives them meaningful insights into what customers really want.</p> <p>The combination of live video and social media access spurred an eruption of public interest<br /> over the past year.</p> <p>After Facebook launched its iteration of live video, <a href="https://adespresso.com/blog/ultimate-guide-live-video/" target="_blank">each major social media platform</a> released its own live video feature.</p> <p>And Facebook Live is still <a href="https://www.emarketer.com/Chart/Platforms-Used-by-US-Live-Streaming-Video-Viewers-Watch-Live-Streaming-Video-June-2017-of-respondents/209539" target="_blank">the preferred platform</a> for watching live streaming video. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/most-popular-platforms-for-live-streaming.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/most-popular-platforms-for-live-streaming.jpg" alt="most popular platforms for live streaming" class="alignnone size-full wp-image-37092" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/most-popular-platforms-for-live-streaming.jpg 885w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/most-popular-platforms-for-live-streaming-300x273.jpg 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/most-popular-platforms-for-live-streaming-768x699.jpg 768w" sizes="(max-width: 885px) 100vw, 885px" /></a></p> <p>YouTube Live and Instagram trail just behind Facebook. </p> <p>Keep in mind that some live video platforms are better for certain things than others. You want to target the one that gives you the most utility for your needs.</p> <p>If you think that live video is just a fad that’s going to die out when the “next big thing” comes along, you’re wrong. Live video <em>is</em> the next big thing, and it’s here to stay. </p> <p>Here’s why. </p> <h2>Don’t ignore live video’s exploding popularity</h2> <p><a href="https://www.recode.net/2016/1/27/11589140/facebook-says-video-is-huge-100-million-hours-per-day-huge" target="_blank">According to Recode</a>, more than 500 million people are viewing video on Facebook every single day. </p> <p>That’s huge. </p> <p>And in four years, 80% of all consumer Internet traffic will be Internet video traffic.</p> <p>This shouldn’t come as a surprise. <a href="http://www.adweek.com/digital/pro-video-gaming-is-exploding-in-popularity-heres-how-activision-is-using-overwatch-to-cash-in/" target="_blank">Pro gaming</a> is an entire industry that thrives on live video, and it’s booming. And that’s just one industry that drives the popularity of live video!</p> <p>According to <a href="https://blog.bufferapp.com/state-of-social-2018" target="_blank">Buffer’s 2018 State of Social Report</a>, 96% of businesses use Facebook, 89% use Twitter, 70% use LinkedIn, another 70% use Instagram, and 57% are active on YouTube.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/which-of-the-following-channels-does-your-business-use-currently.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/which-of-the-following-channels-does-your-business-use-currently.jpg" alt="which of the following channels does your business currently use" class="alignnone size-full wp-image-37093" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/which-of-the-following-channels-does-your-business-use-currently.jpg 1036w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/which-of-the-following-channels-does-your-business-use-currently-259x300.jpg 259w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/which-of-the-following-channels-does-your-business-use-currently-768x889.jpg 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/which-of-the-following-channels-does-your-business-use-currently-885x1024.jpg 885w" sizes="(max-width: 1036px) 100vw, 1036px" /></a></p> <p>Of these businesses, 85% plan to create even more video across their social accounts than they did the year before. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/create-more-types-of-content.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/create-more-types-of-content.png" alt="what types of content does your business plan to create more of" class="alignnone size-full wp-image-37094" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/create-more-types-of-content.png 1900w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/create-more-types-of-content-300x268.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/create-more-types-of-content-768x687.png 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/create-more-types-of-content-1024x916.png 1024w" sizes="(max-width: 1900px) 100vw, 1900px" /></a></p> <p>As if that wasn’t enough, <a href="https://www.marketingdive.com/news/95-of-brand-execs-say-live-video-is-key-to-their-2018-strategies/515532/" target="_blank">95% of brand executives</a> think that live video is the key to training, engaging, and communicating in 2018. </p> <p>If you choose to ignore the importance of live video, your competitors are going to leave you in the dust. Now is the time to choose a platform and get started.</p> <p>Choosing the right video outlet is vital to the <a href="http://www.prweb.com/releases/2018/01/prweb15131964.htm" target="_blank">success of your marketing mix this year</a>. But it shouldn’t be too hard to find one that will work for you.</p> <p>Developers have had time to smooth out most of the live video platforms, which means that they’re easy for both businesses and customers to use. </p> <p>For example, Facebook live offers a <a href="https://theunlockr.com/2017/08/24/disable-live-notifications/" target="_blank">built-in notification system</a> that notifies users when a page that they’ve liked “goes live.” </p> <p><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/mark-zuckerberg-going-live-on-facebook.jpg" alt="mark zuckerberg going live on facebook" class="alignnone size-full wp-image-37095" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/mark-zuckerberg-going-live-on-facebook.jpg 512w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/mark-zuckerberg-going-live-on-facebook-300x128.jpg 300w" sizes="(max-width: 512px) 100vw, 512px" /></a></p> <p>Facebook also offers features that allow pages to <a href="https://techcrunch.com/2016/10/18/facebook-live-unlocks-scheduling-and-pre-stream-lobby-first-for-verified-pages/" target="_blank">promote a live video ahead of time</a>. Users can simultaneously <a href="https://www.socialmediatoday.com/social-business/8-reasons-why-brands-should-be-using-facebook-live" target="_blank">set reminders</a> so they don’t forget about the broadcast. </p> <p><center><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/stylefeed-plans-to-go-live-on-facebook.jpg" alt="reminder to go live on facebook" class="alignnone size-full wp-image-37096" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/stylefeed-plans-to-go-live-on-facebook.jpg 429w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/stylefeed-plans-to-go-live-on-facebook-190x300.jpg 190w" sizes="(max-width: 429px) 100vw, 429px" /></a></center></p> <p>If you want to expand your reach and gain exposure for events or <a href="https://blog.kissmetrics.com/product-videos-conversion/" target="_blank">product launches</a>, this is a great feature. </p> <p>Your posts and ads won’t get lost in a sea of status updates. Streaming brings customers straight to you instead. </p> <p>But how are people interacting with streaming video as a whole? And how are brands specifically using it?</p> <h2>How are people interacting with live video?</h2> <p>Brands aren’t the only ones using live video. Ordinary people use live video on each and every one of the social media platforms that offer it. </p> <p>Like with videos and photos, social media users are leveraging live video feeds to share their own stories.</p> <p>It’s more personal than a typical, all-text post. </p> <p>Because live video allows you to share content in real time, many businesses have taken advantage of the free-flowing nature of the medium to create experiences that wouldn’t work anywhere else.</p> <p><a href="https://www.facebook.com/kohls/videos/10154941547431248/" target="_blank">Kohl’s, for example, does this</a>.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/kohls-live-facebook-video.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/kohls-live-facebook-video.jpg" alt="kohls live facebook video" class="alignnone size-full wp-image-37097" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/kohls-live-facebook-video.jpg 730w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/kohls-live-facebook-video-300x252.jpg 300w" sizes="(max-width: 730px) 100vw, 730px" /></a></p> <p>The people who engaged with this video were watching Kohl’s models work out live.</p> <p>If it weren’t live, the event would have looked like a basic, obvious infomercial. But because it was fully interactive, 37,000 viewers got to experience it together. </p> <p>That’s virtually impossible when it comes to television ads <a href="https://www.marketingcharts.com/featured-82221" target="_blank">unless it’s Super Bowl Sunday</a>. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/top-super-bowl-ads-by-online-views.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/top-super-bowl-ads-by-online-views.png" alt="top super bowl ads by online views" class="alignnone size-full wp-image-37098" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/top-super-bowl-ads-by-online-views.png 1000w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/top-super-bowl-ads-by-online-views-300x167.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/top-super-bowl-ads-by-online-views-768x427.png 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></a></p> <p><a href="https://livestream.com/blog/live-video-statistics-livestream" target="_blank">80% of people</a> would rather watch live videos from brands than read their blog posts while 82% prefer live videos from brands over regular social posts. </p> <p>Here’s the bottom line:</p> <p><em>Live video is ideal for human interaction.</em></p> <p>It brings people out of their shells on Facebook, for instance, where broadcasts receive <a href="https://www.searchenginejournal.com/facebook-live-videos-2/232997/" target="_blank">600% more engagement</a> than regular posts.</p> <p>Brands, influencers, and regular users can all access live video to share the most interesting parts of their days. </p> <p>So can you.</p> <h2>Live video brings traffic to your business</h2> <p>With Facebook Live, customers can literally engage with you in real time. </p> <p>You’re able to address viewers by name, which boosts active engagement and participation. </p> <p>To put it simply, live video allows brands to “break the fourth wall” between them and their customers.</p> <p>Search Engine Journal found that their live video posts on Facebook like <a href="https://www.facebook.com/pg/SearchEngineJournal/videos/" target="_blank">SEJ News Live</a> receive more attention than their regular updates. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/search-engine-journal-facebook-live.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/search-engine-journal-facebook-live.jpg" alt="search engine journal facebook live" class="alignnone size-full wp-image-37099" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/search-engine-journal-facebook-live.jpg 512w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/search-engine-journal-facebook-live-300x98.jpg 300w" sizes="(max-width: 512px) 100vw, 512px" /></a></p> <p>In fact, their live videos <a href="https://blog.kissmetrics.com/content-marketing-and-beyond/" target="_blank">packed an engagement punch that was 178% higher</a> than the average engagement on their regular posts. </p> <p>Over two months, live video <a href="https://www.searchenginejournal.com/facebook-live-increase-engagement-website-traffic-study/178701/" target="_blank">increased the brand’s referral traffic by 213%</a>.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/increased-brands-referral-traffic.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/increased-brands-referral-traffic.png" alt="increased brands referral traffic" class="alignnone size-full wp-image-37100" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/increased-brands-referral-traffic.png 760w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/increased-brands-referral-traffic-300x117.png 300w" sizes="(max-width: 760px) 100vw, 760px" /></a></p> <p>And with live video, customers are always in the loop about events whether they’re serious or outlandish. </p> <p>For example, back in 2016, <a href="https://www.buzzfeed.com/tasneemnashrulla/we-blew-up-a-watermelon-and-everyone-lost-their-freaking-min?utm_term=.xr8LXvQrMz#.ymavXzeE9m" target="_blank">BuzzFeed held their audience’s attention</a> for 45 minutes while two employees were putting rubber bands around a watermelon until it “blew up.” </p> <p><center><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/buzzfeed-watermelon-blew-up.jpg" alt="buzzfeed watermelon blew up" class="alignnone size-full wp-image-37101" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/buzzfeed-watermelon-blew-up.jpg 448w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/buzzfeed-watermelon-blew-up-150x150.jpg 150w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/buzzfeed-watermelon-blew-up-300x300.jpg 300w" sizes="(max-width: 448px) 100vw, 448px" /></a></center></p> <p>Even though it was a rather silly event, the suspense of the live broadcast kept the audience watching.</p> <p>The content wouldn’t have been as interesting if BuzzFeed had posted it on their social media accounts as a regular video. The fact that it was live created a sense of community for viewers. </p> <p>Viewers waited for the watermelon to pop together. While waiting, they speculated on the number of rubber bands it would take for the fruit to reach its breaking point. </p> <p>Live video also helps influencers because they can learn exactly what viewers are interested in talking about. </p> <p>Influencer Brian Fanzo advises creating a strategy for live video ahead of time but keeping things flexible. </p> <p>Here’s what he told <a href="http://www.convinceandconvert.com/digital-marketing/using-live-streaming-video-successfully/" target="_blank">Convince and Convert</a>: </p> <blockquote><p>“I was giving a tour behind the scenes with the goal to make the streaming a ‘backstage pass’ event, when several viewers started asking questions about my new Samsung phone.”</p></blockquote> <p>He switched gears and started talking about technology with viewers since that’s where participants wanted to take the conversation. </p> <p>You have to be willing to go with the flow. </p> <p>If you work with an influencer on live video campaigns, both the host and your brand will be able to access the wants, needs, and desires of your audience more authentically. </p> <p>Tons of brands are <a href="https://www.clearvoice.com/blog/examples-how-brands-win-facebook-live-video/" target="_blank">finding huge success</a> by broadcasting recurring live videos.</p> <p>Consider <a href="https://www.hellofresh.com/" target="_blank">HelloFresh</a>, for example. The brand hosts a <a href="https://www.facebook.com/HelloFreshus/videos/1584172531610592/" target="_blank">live, interactive cooking show</a> where their customers cook along with the host. They get tips from professional chefs and immediate answers to their questions.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/hellofresh-live-cooking-show-on-facebook.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/hellofresh-live-cooking-show-on-facebook.jpg" alt="hellofresh live cooking show on facebook" class="alignnone size-full wp-image-37102" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/hellofresh-live-cooking-show-on-facebook.jpg 1004w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/hellofresh-live-cooking-show-on-facebook-300x127.jpg 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/hellofresh-live-cooking-show-on-facebook-768x326.jpg 768w" sizes="(max-width: 1004px) 100vw, 1004px" /></a></p> <p>This helps viewers improve their cooking skills and prepare tasty meals with help from an expert. </p> <p>Viewers can find the Facebook Live Cooking Party series on the <a href="https://www.facebook.com/pg/HelloFreshus/videos/" target="_blank">HelloFresh Facebook page</a>. </p> <p><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/live-cooking-parties-facebook-video.jpg" alt="live cooking parties facebook video" class="alignnone size-full wp-image-37103" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/live-cooking-parties-facebook-video.jpg 518w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/live-cooking-par Stock Dividend Reinvestment Plans: What You Should Know https://www.nerdwallet.com/blog/investing/stock-dividend-reinvestment-plans-know/ NerdWallet urn:uuid:bd64551c-3d00-2c0c-b27f-a903442d03c5 Wed, 16 May 2018 14:57:48 +0000 Many companies pay out dividends to their stockholders. If you own stock in a company that pays dividends, you can receive those dividends as cash, or you can choose to… <p>Many companies pay out dividends to their stockholders. If you own stock in a company that pays dividends, you can receive those dividends as cash, or you can choose to have those dividends reinvested. That is, you can use those payments to buy more company stock. The potential benefit of this approach is clear when you...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Andrea Coombes is a writer at NerdWallet. Email: acoombes@nerdwallet.com. Twitter: @andreacoombes. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article Stock Dividend Reinvestment Plans: What You Should Know originally appeared on NerdWallet.</p><span data-post-id="522067"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=522067" style="display: none;" data-has-syndication-rights="1" /> How to Move Your Social Traffic Into a Sales Funnel https://www.socialmediaexaminer.com/how-to-move-social-traffic-into-sales-funnel/ Social Media Examiner urn:uuid:8868dd4e-530e-667f-c40c-eeeeaf41c976 Wed, 16 May 2018 10:00:05 +0000 <img width="1200" height="630" src="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200.png" class="webfeedsFeaturedVisual wp-post-image" alt="" style="display: block; margin-bottom: 5px; clear:both;max-width: 100%;" srcset="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200.png 1200w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200-150x79.png 150w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200-300x158.png 300w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200-768x403.png 768w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200-1024x538.png 1024w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200-495x260.png 495w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200-770x404.png 770w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200-450x236.png 450w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200-920x483.png 920w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/social-traffic-into-sales-funnel-how-to-1200-600x315.png 600w" sizes="(max-width: 1200px) 100vw, 1200px" /><p>Want more conversions from your organic social media traffic? Wondering how to set up a sales funnel for your social media visitors? In this article, you&#8217;ll learn how to convert more social media visitors using a sales funnel. Why Optimize Your Funnel? Social media marketing is one of the best methods for increasing organic traffic. <a class="read-more" href="https://www.socialmediaexaminer.com/how-to-move-social-traffic-into-sales-funnel/">[...]</a></p> <p>This post <a rel="nofollow" href="https://www.socialmediaexaminer.com/how-to-move-social-traffic-into-sales-funnel/">How to Move Your Social Traffic Into a Sales Funnel</a> first appeared on Social Media Examiner.</p> Time to Act: Review Responses Just Evolved from &quot;Extra&quot; to &quot;Expected&quot; http://tracking.feedpress.it/link/9375/9170086 Moz Blog urn:uuid:74245051-ffff-a108-357c-47152fdc2cee Wed, 16 May 2018 08:00:00 +0000 <p>Posted by <a href=\"https://moz.com/community/users/13017\">MiriamEllis</a></p><p>I’ve advocated the use of Google’s owner response review feature since it first rolled out in 2010. This vital vehicle defends brand reputation and revenue, offering companies a means of transforming dissatisfied consumers into satisfied ones, supporting retention so that less has to be spent on new customer acquisition. I consider review responses to be a core customer service responsibility. Yet, eight years into the existence of this feature, marketing forums are still filled with entry-level questions like: </p><ul> <li>Should I respond to reviews?</li> <li>Should I respond to positive reviews?</li> <li>How should I respond to negative reviews?</li> </ul><p>Over the years, I’ve seen different local SEO consultants reply in differing degrees to these common threads, but as of May 11, 2018, both agencies and brands woke to a new day: the day on which <a href="https://www.en.advertisercommunity.com/t5/News-Updates/Launch-Owner-Review-Response-Notification/m-p/1710587#" target="_blank">Google announced</a> it would be emailing notifications like this to consumers when a business responds to their reviews, prompting them to view the reply. </p><p><img src="http://d2v4zi8pl64nxt.cloudfront.net/review-responses-expected/5afbac588c7621.18242564.jpg"> </p><p>Surveys indicate that <a href="https://www.getfivestars.com/blog/quickly-business-respond-complaint/" target="_blank">well over 50% of consumers already expect responses</a> within days of reviewing a business. With Google’s rollout, we can assume that this numbers is about to rise.<br> </p><p>Why is this noteworthy news? I’ll explain exactly that in this post, plus demo how Moz Local can be a significant help to owners and marketers in succeeding in this new environment. </p><h2>When "extra" becomes "expected"</h2><p>In the past, owner responses may have felt like something extra a business could do to improve management of its reputation. Perhaps a company you’re marketing has been making the effort to respond to negative reviews, at the very least, but you’ve let replying to positive reviews slide. Or maybe you respond to reviews when you can get around to it, with days or weeks transpiring between consumer feedback and brand reaction. </p><h3>Google’s announcement is important for two key reasons:</h3><p>1) <strong>It signals that Google is turning reviews into a truly interactive feature, </strong>in keeping with so much else they’ve rolled out to the Knowledge Panel in recent times. Like booking buttons and Google Questions & Answers, notifications of owner responses are Google’s latest step towards making Knowledge Panels <em>transactional</em> platforms instead of static data entities. Every new feature brings us that much closer to Google positioning itself between providers and patrons for as many transactional moments as possible. </p><p>2) <strong>It signals a major turning point in consumer expectations. </strong>In the past, reviewers have left responses from motives of “having their say,” whether that’s to praise a business, warn fellow consumers, or simply document their experiences. </p><p>Now, imagine a patron who writes a negative review of two different restaurants he dined at for Sunday lunch and dinner. On Monday, he opens his email to find a Google notification that Restaurant A has left an owner response sincerely apologizing and reasonably explaining why service was unusually slow that weekend, but that Restaurant B is meeting his complaint about a rude waiter with dead air. </p><p>“So, Restaurant A cares about me, and Restaurant B couldn’t care less,” the consumer is left to conclude, creating an emotional memory that could inform whether he’s ever willing to give either business a second chance in the future. </p><p><em>Just one experience of receiving an owner response notification will set the rules of the game from here on out</em>, making all future businesses that fail to respond seem inaccessible, neglectful, and even uncaring. It’s the difference between reviewers narrating their experiences from random motives, and leaving feedback with the expectation of being heard and answered. </p><p>I will go so far as to predict that Google’s announcement ups the game for all review platforms, because it will make owner responses to consumer sentiment an expected, rather than extra, effort. </p><h2>The burden is on brands</h2><p>Because no intelligent business would believe it can succeed in modern commerce while appearing unreachable or unconcerned, Google’s announcement calls for a priority shift. For brands large and small, it may not be an easy one, but it should look something like this: </p><ul> <li>Negative reviews are now direct cries for help to our business; we will respond with whatever help we can give within X number of hours or days upon receipt</li> <li>Positive reviews are now thank-you notes directly to our company; we will respond with gratitude within X number of hours or days upon receipt</li> </ul><p>Defining X is going to have to depend on the resources of your organization, but in an environment in which consumers <em>expect </em>your reply, the task of responding must now be moved from the back burner to a hotter spot on the stovetop. Statistics differ in past assessments of consumer expectations of response times: </p><ul> <li>In 2016, <a href="https://www.getfivestars.com/blog/quickly-business-respond-complaint/" target="_blank">GetFiveStars</a> found that 15.6% of consumers expected a reply with 1–3 hours, and 68.3% expected a reply within 1–3 days of leaving a review.</li> <li>In 2017, <a href="https://www.revlocal.com/blog/review-and-reputation-management/how-to-respond-to-every-type-of-review" target="_blank">RevLocal</a> found that 52% of consumers expected responses within 7 days.</li> <li>Overall, 30% of survey respondents told <a href="https://www.brightlocal.com/learn/local-consumer-review-survey/" target="_blank">BrightLocal</a> in 2017 that owner responses were a factor they looked at in judging a business.</li> </ul><p>My own expectation is that all of these numbers will now rise as a result of Google’s new function, meaning that the safest bet will be the fastest possible response. If resources are limited, I recommend prioritizing negative sentiment, aiming for a reply within hours rather than days as the best hope of winning back a customer. “Thank yous” for positive sentiment can likely wait for a couple of days, if absolutely necessary. </p><p>It’s inspiring to know that a recent <a href="http://www.lsainsider.com/a-1-5-star-review-improvement-equals-13k-more-leads-in-study/archives#sthash.6PaTJieO.dpbs" target="_blank">Location3 study</a> found that brands which do a good job of responding to reviews saw an average conversion rate of 13.9%, versus lackluster responders whose conversion rate was 10.4%. Depending on what you sell, those 3.5 points could be financially significant! But it’s not always easy to be optimally responsive. </p><p><em>If your business is small</em>, accelerating response times can feel like a burden because of lack of people resources.<em> If your business is a large</em>,<em> multi-location enterprise,</em> the burden may lie in organizing awareness of hundreds of incoming reviews in a day, as well as keeping track of which reviews have been responded to and which haven’t. </p><p>The good news is… </p><h2>Moz Local can help</h2><p class="full-width"><img src="http://d2v4zi8pl64nxt.cloudfront.net/review-responses-expected/5afbac59035104.02251713.jpg"> </p><p>The screenshot, above, is taken from the <a href="https://moz.com/products/local" target="_blank" onclick="_gaq.push(['_trackEvent', 'blog', 'Review Responses Now Expected', 'Moz Local']);">Moz Local</a> dashboard. If you’re a customer, just log into your Moz Local account and go to your review section. From the “sources” section, choose “Google” — you’ll see the option to filter your reviews by “replied” and “not replied.” You’ll instantly be able to see which reviews you haven’t yet responded to. From there, simply use the in-dashboard feature that enables you to respond to your (or your clients’) reviews, without having to head over to your GMB dashboard or log into a variety of different clients’ GMB dashboards. So easy! </p><p>I highly recommend that all our awesome customers do this today and be sure you’ve responded to all of your most recent reviews. And, in the future, if you’re working your way through a stack of new, incoming Google reviews, this function should make it a great deal easier to keep organized about which ones you’ve checked off and which ones are still awaiting your response. I sincerely hope this function makes your work more efficient! </p><h2>Need some help setting the right review response tone? </h2><p>Please check out <a href="https://moz.com/blog/mastering-owner-response-quintet-google-my-business-reviews" target="_blank">Mastering the Owner Response to the Quintet of Google My Business Reviews</a>, which I published in 2016 to advocate responsiveness. It will walk you through these typical types of reviews you’ll be receiving: </p><ul> <li>“I love you!”</li> <li>“I haven’t made up my mind yet.”</li> <li>“There was hair in my taco...”</li> <li>“I’m actually your competitor!”</li> <li>“I’m citing illegal stuff.”</li> </ul><p>The one update I’d make to the advice in the above piece, given Google’s rollout of the new notification function, would be to <strong>increase the number of positive reviews to which you’re responding. </strong>In 2016, I suggested that enterprises managing hundreds of locations should aim to express gratitude for at least 10% of favorable reviews. In 2018, I’d say reply with thanks to as many of these as you possibly can. Why? Because reviews are now becoming more transactional than ever, and if a customer says, “I like you,” it’s only polite to say, “Thanks!”. As more customers begin to expect responsiveness, failure to acknowledge praise could feel uncaring. </p><p>I would also suggest that responses to negative reviews more strongly feature a plea to the customer to contact the business so that things can be “made right.” GetFiveStars co-founder, Mike Blumenthal, is hoping that Google might one day create <a href="https://www.getfivestars.com/blog/google-notify-reviewers-owner-responses/">a private channel for brands and consumers to resolve complaints</a>, but until that happens, definitely keep in mind that: </p><ol> <li>The new email alerts will ensure that more customers realize you’ve responded to their negative sentiment.</li> <li>If, while “making things right” in the public response, you also urge the unhappy customer to let you make things “more right” in person, you will enhance your chances of retaining him.</li> <li>If you are able to publicly or privately resolve a complaint, the customer may feel inspired to amend his review and raise your star rating; over time, more customers doing this could significantly improve your conversions and, possibly, your local search rankings.</li> <li>All potential customers who see your active responses to complaints will understand that your policies are consumer-friendly, which should increase the likelihood of them choosing your business for transactions.</li> </ol><h2>Looking ahead </h2><p>One of the most interesting aspects I’m considering as of the rollout of response notifications is whether it may ultimately impact the tone of reviews themselves. In the past, some reviewers have given way to excesses in their sentiment, writing about companies in the ugliest possible language… language I’ve always wanted to hope they wouldn’t use face-to-face with other human beings at the place of business. I’m wondering now if knowing there’s a very good chance that brands responding to feedback could lessen the instances of consumers taking wild, often anonymous potshots at brands and create a more real-world, conversational environment. </p><p>In other words, instead of: “You overcharged me $3 for a soda and I know it’s because you’re [expletive] scammers, liars, crooks!!! Everyone beware of this company!!!” </p><p>We might see: “Hey guys, I just noticed a $3 overcharge on my receipt. I’m not too happy about this.” </p><p>The former scenario is honestly embarrassing. Trying to make someone feel better when they’ve just called you a thief feels a bit ridiculous and depressing. But the latter scenario is, at least, situation-appropriate instead of blown out of all proportion, creating an opening for you and your company to respond well and foster loyalty. </p><p>I can’t guarantee that reviewers will tone it down a bit if they feel more certain of being heard, but I’m hoping it will go that way in more and more cases. </p><p>What do you think? How will Google’s new function impact the businesses you market and the reviewers you serve? Please <a href="https://moz.com/blog/review-responses-expected#comments">share your take and your tips</a> with our community! </p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p> <p>Posted by <a href=\"https://moz.com/community/users/13017\">MiriamEllis</a></p><p>I’ve advocated the use of Google’s owner response review feature since it first rolled out in 2010. This vital vehicle defends brand reputation and revenue, offering companies a means of transforming dissatisfied consumers into satisfied ones, supporting retention so that less has to be spent on new customer acquisition. I consider review responses to be a core customer service responsibility. Yet, eight years into the existence of this feature, marketing forums are still filled with entry-level questions like: </p><ul> <li>Should I respond to reviews?</li> <li>Should I respond to positive reviews?</li> <li>How should I respond to negative reviews?</li> </ul><p>Over the years, I’ve seen different local SEO consultants reply in differing degrees to these common threads, but as of May 11, 2018, both agencies and brands woke to a new day: the day on which <a href="https://www.en.advertisercommunity.com/t5/News-Updates/Launch-Owner-Review-Response-Notification/m-p/1710587#" target="_blank">Google announced</a> it would be emailing notifications like this to consumers when a business responds to their reviews, prompting them to view the reply. </p><p><img src="http://d2v4zi8pl64nxt.cloudfront.net/review-responses-expected/5afbac588c7621.18242564.jpg"> </p><p>Surveys indicate that <a href="https://www.getfivestars.com/blog/quickly-business-respond-complaint/" target="_blank">well over 50% of consumers already expect responses</a> within days of reviewing a business. With Google’s rollout, we can assume that this numbers is about to rise.<br> </p><p>Why is this noteworthy news? I’ll explain exactly that in this post, plus demo how Moz Local can be a significant help to owners and marketers in succeeding in this new environment. </p><h2>When "extra" becomes "expected"</h2><p>In the past, owner responses may have felt like something extra a business could do to improve management of its reputation. Perhaps a company you’re marketing has been making the effort to respond to negative reviews, at the very least, but you’ve let replying to positive reviews slide. Or maybe you respond to reviews when you can get around to it, with days or weeks transpiring between consumer feedback and brand reaction. </p><h3>Google’s announcement is important for two key reasons:</h3><p>1) <strong>It signals that Google is turning reviews into a truly interactive feature, </strong>in keeping with so much else they’ve rolled out to the Knowledge Panel in recent times. Like booking buttons and Google Questions & Answers, notifications of owner responses are Google’s latest step towards making Knowledge Panels <em>transactional</em> platforms instead of static data entities. Every new feature brings us that much closer to Google positioning itself between providers and patrons for as many transactional moments as possible. </p><p>2) <strong>It signals a major turning point in consumer expectations. </strong>In the past, reviewers have left responses from motives of “having their say,” whether that’s to praise a business, warn fellow consumers, or simply document their experiences. </p><p>Now, imagine a patron who writes a negative review of two different restaurants he dined at for Sunday lunch and dinner. On Monday, he opens his email to find a Google notification that Restaurant A has left an owner response sincerely apologizing and reasonably explaining why service was unusually slow that weekend, but that Restaurant B is meeting his complaint about a rude waiter with dead air. </p><p>“So, Restaurant A cares about me, and Restaurant B couldn’t care less,” the consumer is left to conclude, creating an emotional memory that could inform whether he’s ever willing to give either business a second chance in the future. </p><p><em>Just one experience of receiving an owner response notification will set the rules of the game from here on out</em>, making all future businesses that fail to respond seem inaccessible, neglectful, and even uncaring. It’s the difference between reviewers narrating their experiences from random motives, and leaving feedback with the expectation of being heard and answered. </p><p>I will go so far as to predict that Google’s announcement ups the game for all review platforms, because it will make owner responses to consumer sentiment an expected, rather than extra, effort. </p><h2>The burden is on brands</h2><p>Because no intelligent business would believe it can succeed in modern commerce while appearing unreachable or unconcerned, Google’s announcement calls for a priority shift. For brands large and small, it may not be an easy one, but it should look something like this: </p><ul> <li>Negative reviews are now direct cries for help to our business; we will respond with whatever help we can give within X number of hours or days upon receipt</li> <li>Positive reviews are now thank-you notes directly to our company; we will respond with gratitude within X number of hours or days upon receipt</li> </ul><p>Defining X is going to have to depend on the resources of your organization, but in an environment in which consumers <em>expect </em>your reply, the task of responding must now be moved from the back burner to a hotter spot on the stovetop. Statistics differ in past assessments of consumer expectations of response times: </p><ul> <li>In 2016, <a href="https://www.getfivestars.com/blog/quickly-business-respond-complaint/" target="_blank">GetFiveStars</a> found that 15.6% of consumers expected a reply with 1–3 hours, and 68.3% expected a reply within 1–3 days of leaving a review.</li> <li>In 2017, <a href="https://www.revlocal.com/blog/review-and-reputation-management/how-to-respond-to-every-type-of-review" target="_blank">RevLocal</a> found that 52% of consumers expected responses within 7 days.</li> <li>Overall, 30% of survey respondents told <a href="https://www.brightlocal.com/learn/local-consumer-review-survey/" target="_blank">BrightLocal</a> in 2017 that owner responses were a factor they looked at in judging a business.</li> </ul><p>My own expectation is that all of these numbers will now rise as a result of Google’s new function, meaning that the safest bet will be the fastest possible response. If resources are limited, I recommend prioritizing negative sentiment, aiming for a reply within hours rather than days as the best hope of winning back a customer. “Thank yous” for positive sentiment can likely wait for a couple of days, if absolutely necessary. </p><p>It’s inspiring to know that a recent <a href="http://www.lsainsider.com/a-1-5-star-review-improvement-equals-13k-more-leads-in-study/archives#sthash.6PaTJieO.dpbs" target="_blank">Location3 study</a> found that brands which do a good job of responding to reviews saw an average conversion rate of 13.9%, versus lackluster responders whose conversion rate was 10.4%. Depending on what you sell, those 3.5 points could be financially significant! But it’s not always easy to be optimally responsive. </p><p><em>If your business is small</em>, accelerating response times can feel like a burden because of lack of people resources.<em> If your business is a large</em>,<em> multi-location enterprise,</em> the burden may lie in organizing awareness of hundreds of incoming reviews in a day, as well as keeping track of which reviews have been responded to and which haven’t. </p><p>The good news is… </p><h2>Moz Local can help</h2><p class="full-width"><img src="http://d2v4zi8pl64nxt.cloudfront.net/review-responses-expected/5afbac59035104.02251713.jpg"> </p><p>The screenshot, above, is taken from the <a href="https://moz.com/products/local" target="_blank" onclick="_gaq.push(['_trackEvent', 'blog', 'Review Responses Now Expected', 'Moz Local']);">Moz Local</a> dashboard. If you’re a customer, just log into your Moz Local account and go to your review section. From the “sources” section, choose “Google” — you’ll see the option to filter your reviews by “replied” and “not replied.” You’ll instantly be able to see which reviews you haven’t yet responded to. From there, simply use the in-dashboard feature that enables you to respond to your (or your clients’) reviews, without having to head over to your GMB dashboard or log into a variety of different clients’ GMB dashboards. So easy! </p><p>I highly recommend that all our awesome customers do this today and be sure you’ve responded to all of your most recent reviews. And, in the future, if you’re working your way through a stack of new, incoming Google reviews, this function should make it a great deal easier to keep organized about which ones you’ve checked off and which ones are still awaiting your response. I sincerely hope this function makes your work more efficient! </p><h2>Need some help setting the right review response tone? </h2><p>Please check out <a href="https://moz.com/blog/mastering-owner-response-quintet-google-my-business-reviews" target="_blank">Mastering the Owner Response to the Quintet of Google My Business Reviews</a>, which I published in 2016 to advocate responsiveness. It will walk you through these typical types of reviews you’ll be receiving: </p><ul> <li>“I love you!”</li> <li>“I haven’t made up my mind yet.”</li> <li>“There was hair in my taco...”</li> <li>“I’m actually your competitor!”</li> <li>“I’m citing illegal stuff.”</li> </ul><p>The one update I’d make to the advice in the above piece, given Google’s rollout of the new notification function, would be to <strong>increase the number of positive reviews to which you’re responding. </strong>In 2016, I suggested that enterprises managing hundreds of locations should aim to express gratitude for at least 10% of favorable reviews. In 2018, I’d say reply with thanks to as many of these as you possibly can. Why? Because reviews are now becoming more transactional than ever, and if a customer says, “I like you,” it’s only polite to say, “Thanks!”. As more customers begin to expect responsiveness, failure to acknowledge praise could feel uncaring. </p><p>I would also suggest that responses to negative reviews more strongly feature a plea to the customer to contact the business so that things can be “made right.” GetFiveStars co-founder, Mike Blumenthal, is hoping that Google might one day create <a href="https://www.getfivestars.com/blog/google-notify-reviewers-owner-responses/">a private channel for brands and consumers to resolve complaints</a>, but until that happens, definitely keep in mind that: </p><ol> <li>The new email alerts will ensure that more customers realize you’ve responded to their negative sentiment.</li> <li>If, while “making things right” in the public response, you also urge the unhappy customer to let you make things “more right” in person, you will enhance your chances of retaining him.</li> <li>If you are able to publicly or privately resolve a complaint, the customer may feel inspired to amend his review and raise your star rating; over time, more customers doing this could significantly improve your conversions and, possibly, your local search rankings.</li> <li>All potential customers who see your active responses to complaints will understand that your policies are consumer-friendly, which should increase the likelihood of them choosing your business for transactions.</li> </ol><h2>Looking ahead </h2><p>One of the most interesting aspects I’m considering as of the rollout of response notifications is whether it may ultimately impact the tone of reviews themselves. In the past, some reviewers have given way to excesses in their sentiment, writing about companies in the ugliest possible language… language I’ve always wanted to hope they wouldn’t use face-to-face with other human beings at the place of business. I’m wondering now if knowing there’s a very good chance that brands responding to feedback could lessen the instances of consumers taking wild, often anonymous potshots at brands and create a more real-world, conversational environment. </p><p>In other words, instead of: “You overcharged me $3 for a soda and I know it’s because you’re [expletive] scammers, liars, crooks!!! Everyone beware of this company!!!” </p><p>We might see: “Hey guys, I just noticed a $3 overcharge on my receipt. I’m not too happy about this.” </p><p>The former scenario is honestly embarrassing. Trying to make someone feel better when they’ve just called you a thief feels a bit ridiculous and depressing. But the latter scenario is, at least, situation-appropriate instead of blown out of all proportion, creating an opening for you and your company to respond well and foster loyalty. </p><p>I can’t guarantee that reviewers will tone it down a bit if they feel more certain of being heard, but I’m hoping it will go that way in more and more cases. </p><p>What do you think? How will Google’s new function impact the businesses you market and the reviewers you serve? Please <a href="https://moz.com/blog/review-responses-expected#comments">share your take and your tips</a> with our community! </p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p><img src="http://feedpress.me/9375/9170086.gif" height="1" width="1"/> How to Resolve Finances After a Death https://www.nerdwallet.com/blog/investing/how-to-handle-finances-when-someone-dies/ NerdWallet urn:uuid:d359cbf0-4f0e-9e4c-2019-eca25b33a357 Wed, 16 May 2018 07:00:47 +0000 After his mother’s death, Ken Moraif had to unravel her finances. Millions of Americans each year face a similar task, but he had a unique challenge — he had to… <p>After his mother’s death, Ken Moraif had to unravel her finances. Millions of Americans each year face a similar task, but he had a unique challenge — he had to crack a code. His mother had detailed her financial accounts in a notebook, but each password was written in code, and clues for deciphering the...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Anna-Louise Jackson is a writer at NerdWallet. Email: ajackson@nerdwallet.com. Twitter: @aljax7. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article How to Resolve Finances After a Death originally appeared on NerdWallet.</p><span data-post-id="521112"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521112" style="display: none;" data-has-syndication-rights="1" /> How to Write Meta Descriptions in a Constantly Changing World (AKA Google Giveth, Google Taketh Away) http://tracking.feedpress.it/link/9375/9167083 Moz Blog urn:uuid:430bb01e-1eb8-b1e2-4e85-a86c6213f5bf Wed, 16 May 2018 00:23:00 +0000 <p>Posted by <a href=\"https://moz.com/community/users/22897\">Dr-Pete</a></p><p class="alert-page info"> <strong>Summary: </strong>As of mid-May 2018, Google has reverted back to shorter display snippets. Our data suggests these changes are widespread and that most meta descriptions are being cut off in the previous range of about 155–160 characters. </p><p>Back in December, Google made a significant shift in how they displayed search snippets, with our research showing many snippets over 300 characters. Over the weekend, they seem to have rolled back that change (Danny Sullivan <a target="_blank" href="https://twitter.com/dannysullivan/status/996065145443893249">partially confirmed this</a> on Twitter on May 14). Besides the obvious question — What are the new limits? — it may leave you wondering how to cope when the rules keep changing. None of us have a crystal ball, but I'm going to attempt to answer both questions based on what we know today. </p><h2>Lies, dirty lies, and statistics... </h2><p>I pulled all available search snippets from the MozCast 10K (page-1 Google results for 10,000 keywords), since that's a data set we collect daily and that has a rich history. There were 89,383 display snippets across that data set on the morning of May 15. </p><p>I could tell you that, across the entire data set, the minimum length was 6 characters, the maximum was 386, and the mean was about 159. That's not very useful, for a couple of reasons. First, telling you to write meta descriptions between 6–386 characters isn't exactly helpful advice. Second, we're dealing with a lot of extremes. For example, here's a snippet on a search for "USMC": </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-1-4065.png" style="border: 0"> </p><p>Marine Corps Community Services may be a wonderful organization, but I'm sorry to report that their meta description is, in fact, "apple" (Google appends the period out of, I assume, desperation). Here's a snippet for a search on the department store "Younkers": </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-2-4999.png" style="border: 0"> </p><p>Putting aside their serious multi-brand confusion, I think we can all agree that "BER Meta TAG1" is not optimal. If these cases teach you anything, it's only about what not to do. What about on the opposite extreme? Here's a snippet with 386 characters, from a search for "non-compete agreement": </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-3-12620.png" style="border: 0"> </p><p>Notice the "Jump to Exceptions" and links at the beginning. Those have been added by Google, so it's tough to say what counts against the character count and what doesn't. Here's one without those add-ons that clocks in at 370 characters, from a search for "the Hunger Games books": </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-4-11379.png" style="border: 0"> </p><p>So, we know that longer snippets do still exist. Note, though, that both of these snippets come from Wikipedia, which is an exception to many SEO rules. Are these long descriptions only fringe cases? Looking at the mean (or even the median, in this case) doesn't really tell us. </p><h2>The big picture, part 1</h2><p>Sometimes, you have to let the data try to speak for itself, with a minimum of coaxing. Let's look at all of the snippets that were cut off (ending in "...") and remove video results (we know from previous research that these skew a bit shorter). This leaves 42,863 snippets (just under half of our data set). Here's a graph of all of the cut-off lengths, gathered into 25 character bins (0–25, 26–50, etc.): </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-5-4779.png" style="border: 0"> </p><p>This looks very different from our data <a target="_blank" href="https://moz.com/blog/how-long-should-your-meta-description-be-2018">back in December</a>, and is clearly clustered in the 150–175 character range. We see a few Google display snippets cut off after the 300+ range, but those are dwarfed by the shorter cut-offs. </p><h2>The big picture, part 2</h2><p>Obviously, there's a lot happening in that 125–175 character range, so let's zoom in and look at just the middle portion of the frequency distribution, broken up into smaller, 5-character buckets: </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-6-4992.png" style="border: 0"> </p><p>We can see pretty clearly that the bulk of cut-offs are happening in the 145–165 character range. Before December, our previous guidelines for meta descriptions were to keep them below 155 characters, so it appears that Google has more-or-less reverted to the old rules. </p><p>Keep in mind that Google uses proportional fonts, so there is no exact character limit. Some people have hypothesized a pixel-width limit, like with title tags, but I've found that more difficult to pin down with multi-line snippets (the situation gets even weirder on mobile results). Practically, it's also difficult to write to a pixel limit. The data suggests that 155 characters is a reasonable approximation. </p><h2>To the Wayback Machine... ?!</h2><p>Should we just go back to a 155 character cut-off? If you've already written longer meta descriptions, should you scrap that work and start over? The simple truth is that none of us know what's going to happen next week. The way I see it, we have four viable options: </p><h3>(1) Let Google handle it</h3><p>Some sites don't have meta descriptions at all. Wikipedia happens to be one of them. Now, Google's understanding of Wikipedia's content is much deeper than most sites (thanks, in part, to Wikidata), but many sites do fare fine without the tag. If your choice is to either write bad, repetitive tags or leave them blank, then I'd say leave them blank and let Google sort it out. </p><h3>(2) Let the ... fall where it may</h3><p>You could just write to the length you think is ideal for any given page (within reason), and if the snippets get cut off, don't worry about it. Maybe the ellipsis (...) adds intrigue. I'm half-joking, but the reality is that a cut-off isn't the kiss of death. A good description should entice people to want to read more. </p><h3>(3) Chop everything at 155 characters</h3><p>You could go back and mercilessly hack all of your hard work back to 155 characters. I think this is generally going to be time badly spent and may result in even worse search snippets. If you want to rewrite shorter Meta Descriptions for your most important pages, that's perfectly reasonable, but keep in mind that some results are still showing longer snippets and this situation will continue to evolve. </p><h3>(4) Write length-adaptive descriptions</h3><p>Is it possible to write a description that works well at both lengths? I think it is, with some care and planning. I wouldn't necessarily recommend this for every single page, but maybe there is a way to have our cake and eat at least half of it, too... </p><h2>The 150/150 approach</h2><p>I've been a bit obsessed with the "<a target="_blank" href="https://moz.com/blog/content-for-answers-inverted-pyramid">inverted pyramid</a>" style of writing lately. This is a journalistic style where you start with the lead or summary of your main point and then break that down into the details, data, and context. While this approach is well suited to the web, its origins come from layout limitations in print. You never knew when your editor would have to cut your article short to fit the available space, so the inverted pyramid style helped guarantee that the most important part would usually be spared. </p><p>What if we took this approach to meta descriptions? In other words, why not write a 150-character "lead" that summarizes the page, and then add 150 characters of useful but less essential detail (when adding that detail makes sense and provides value)? The 150/150 isn't a magic number — you could even do 100/100 or 100/200. The key is to make sure that the text before the cut can stand on its own. </p><p>Think of it a bit like an ad, with two separate lines of copy. Let's take this blog post: </p><h3>Line 1 (145 chars.)</h3><p style="margin-left: 20px;">In December, we reported that Google increased search snippets to over 300 characters. Unfortunately, it looks like the rules have changed again. </p><h3>Line 2 (122 chars.)</h3><p style="margin-left: 20px;">According to our new research (May 2018), the limit is back to 155-160 characters. How should SEOs adapt to these changes?<br> </p><p>Line 1 has the short version of the story and hopefully lets searchers know they're heading down the right path. Line 2 dives into a few details and gives away just enough data (hopefully) to be intriguing. If Google uses the longer description, it should work nicely, but if they don't, we shouldn't be any worse for wear. </p><h2>Should you even bother?</h2><p>Is this worth the effort? I think writing effective descriptions that engage search visitors is still very important, in theory (and that this indirectly impacts even ranking), but you may find you can write perfectly well within a 155-character limit. We also have to face the reality that Google seems to be rewriting more and more descriptions. This is difficult to measure, as many rewrites are partial, but there's no guarantee that your meta description will be used as written. </p><p>Is there any way to tell when a longer snippet (&gt;300 characters) will still be used? Some SEOs have hypothesized a link between longer snippets and featured snippets at the top of the page. In our overall data set, 13.3% of all SERPs had featured snippets. If we look at just SERPs with a maximum display snippet length of 160 characters (i.e. no result was longer than 160 characters), the featured snippet occurrence was 11.4%. If we look at SERPs with at least one display snippet over 300 characters, featured snippets occurred at a rate of 41.8%. While that second data set is fairly small, it is a striking difference. There does seem to be some connection between Google's ability to extract answers in the form of featured snippets and their ability or willingness to display longer search snippets. In many cases, though, these longer snippets are rewrites or taken directly from the page, so even then there's no guarantee that Google will use your longer meta description. </p><p>For now, it appears that the 155-character guideline is back in play. If you've already increased some of your meta descriptions, I don't think there's any reason to panic. It might make sense to rewrite overly-long descriptions on critical pages, especially if the cut-offs are leading to bad results. If you do choose to rewrite some of them, consider the 150/150 approach — at least then you'll be a bit more future-proofed. </p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p> <p>Posted by <a href=\"https://moz.com/community/users/22897\">Dr-Pete</a></p><p class="alert-page info"> <strong>Summary: </strong>As of mid-May 2018, Google has reverted back to shorter display snippets. Our data suggests these changes are widespread and that most meta descriptions are being cut off in the previous range of about 155–160 characters. </p><p>Back in December, Google made a significant shift in how they displayed search snippets, with our research showing many snippets over 300 characters. Over the weekend, they seem to have rolled back that change (Danny Sullivan <a target="_blank" href="https://twitter.com/dannysullivan/status/996065145443893249">partially confirmed this</a> on Twitter on May 14). Besides the obvious question — What are the new limits? — it may leave you wondering how to cope when the rules keep changing. None of us have a crystal ball, but I'm going to attempt to answer both questions based on what we know today. </p><h2>Lies, dirty lies, and statistics... </h2><p>I pulled all available search snippets from the MozCast 10K (page-1 Google results for 10,000 keywords), since that's a data set we collect daily and that has a rich history. There were 89,383 display snippets across that data set on the morning of May 15. </p><p>I could tell you that, across the entire data set, the minimum length was 6 characters, the maximum was 386, and the mean was about 159. That's not very useful, for a couple of reasons. First, telling you to write meta descriptions between 6–386 characters isn't exactly helpful advice. Second, we're dealing with a lot of extremes. For example, here's a snippet on a search for "USMC": </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-1-4065.png" style="border: 0"> </p><p>Marine Corps Community Services may be a wonderful organization, but I'm sorry to report that their meta description is, in fact, "apple" (Google appends the period out of, I assume, desperation). Here's a snippet for a search on the department store "Younkers": </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-2-4999.png" style="border: 0"> </p><p>Putting aside their serious multi-brand confusion, I think we can all agree that "BER Meta TAG1" is not optimal. If these cases teach you anything, it's only about what not to do. What about on the opposite extreme? Here's a snippet with 386 characters, from a search for "non-compete agreement": </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-3-12620.png" style="border: 0"> </p><p>Notice the "Jump to Exceptions" and links at the beginning. Those have been added by Google, so it's tough to say what counts against the character count and what doesn't. Here's one without those add-ons that clocks in at 370 characters, from a search for "the Hunger Games books": </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-4-11379.png" style="border: 0"> </p><p>So, we know that longer snippets do still exist. Note, though, that both of these snippets come from Wikipedia, which is an exception to many SEO rules. Are these long descriptions only fringe cases? Looking at the mean (or even the median, in this case) doesn't really tell us. </p><h2>The big picture, part 1</h2><p>Sometimes, you have to let the data try to speak for itself, with a minimum of coaxing. Let's look at all of the snippets that were cut off (ending in "...") and remove video results (we know from previous research that these skew a bit shorter). This leaves 42,863 snippets (just under half of our data set). Here's a graph of all of the cut-off lengths, gathered into 25 character bins (0–25, 26–50, etc.): </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-5-4779.png" style="border: 0"> </p><p>This looks very different from our data <a target="_blank" href="https://moz.com/blog/how-long-should-your-meta-description-be-2018">back in December</a>, and is clearly clustered in the 150–175 character range. We see a few Google display snippets cut off after the 300+ range, but those are dwarfed by the shorter cut-offs. </p><h2>The big picture, part 2</h2><p>Obviously, there's a lot happening in that 125–175 character range, so let's zoom in and look at just the middle portion of the frequency distribution, broken up into smaller, 5-character buckets: </p><p class="full-width"><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/meta-desc-2018-6-4992.png" style="border: 0"> </p><p>We can see pretty clearly that the bulk of cut-offs are happening in the 145–165 character range. Before December, our previous guidelines for meta descriptions were to keep them below 155 characters, so it appears that Google has more-or-less reverted to the old rules. </p><p>Keep in mind that Google uses proportional fonts, so there is no exact character limit. Some people have hypothesized a pixel-width limit, like with title tags, but I've found that more difficult to pin down with multi-line snippets (the situation gets even weirder on mobile results). Practically, it's also difficult to write to a pixel limit. The data suggests that 155 characters is a reasonable approximation. </p><h2>To the Wayback Machine... ?!</h2><p>Should we just go back to a 155 character cut-off? If you've already written longer meta descriptions, should you scrap that work and start over? The simple truth is that none of us know what's going to happen next week. The way I see it, we have four viable options: </p><h3>(1) Let Google handle it</h3><p>Some sites don't have meta descriptions at all. Wikipedia happens to be one of them. Now, Google's understanding of Wikipedia's content is much deeper than most sites (thanks, in part, to Wikidata), but many sites do fare fine without the tag. If your choice is to either write bad, repetitive tags or leave them blank, then I'd say leave them blank and let Google sort it out. </p><h3>(2) Let the ... fall where it may</h3><p>You could just write to the length you think is ideal for any given page (within reason), and if the snippets get cut off, don't worry about it. Maybe the ellipsis (...) adds intrigue. I'm half-joking, but the reality is that a cut-off isn't the kiss of death. A good description should entice people to want to read more. </p><h3>(3) Chop everything at 155 characters</h3><p>You could go back and mercilessly hack all of your hard work back to 155 characters. I think this is generally going to be time badly spent and may result in even worse search snippets. If you want to rewrite shorter Meta Descriptions for your most important pages, that's perfectly reasonable, but keep in mind that some results are still showing longer snippets and this situation will continue to evolve. </p><h3>(4) Write length-adaptive descriptions</h3><p>Is it possible to write a description that works well at both lengths? I think it is, with some care and planning. I wouldn't necessarily recommend this for every single page, but maybe there is a way to have our cake and eat at least half of it, too... </p><h2>The 150/150 approach</h2><p>I've been a bit obsessed with the "<a target="_blank" href="https://moz.com/blog/content-for-answers-inverted-pyramid">inverted pyramid</a>" style of writing lately. This is a journalistic style where you start with the lead or summary of your main point and then break that down into the details, data, and context. While this approach is well suited to the web, its origins come from layout limitations in print. You never knew when your editor would have to cut your article short to fit the available space, so the inverted pyramid style helped guarantee that the most important part would usually be spared. </p><p>What if we took this approach to meta descriptions? In other words, why not write a 150-character "lead" that summarizes the page, and then add 150 characters of useful but less essential detail (when adding that detail makes sense and provides value)? The 150/150 isn't a magic number — you could even do 100/100 or 100/200. The key is to make sure that the text before the cut can stand on its own. </p><p>Think of it a bit like an ad, with two separate lines of copy. Let's take this blog post: </p><h3>Line 1 (145 chars.)</h3><p style="margin-left: 20px;">In December, we reported that Google increased search snippets to over 300 characters. Unfortunately, it looks like the rules have changed again. </p><h3>Line 2 (122 chars.)</h3><p style="margin-left: 20px;">According to our new research (May 2018), the limit is back to 155-160 characters. How should SEOs adapt to these changes?<br> </p><p>Line 1 has the short version of the story and hopefully lets searchers know they're heading down the right path. Line 2 dives into a few details and gives away just enough data (hopefully) to be intriguing. If Google uses the longer description, it should work nicely, but if they don't, we shouldn't be any worse for wear. </p><h2>Should you even bother?</h2><p>Is this worth the effort? I think writing effective descriptions that engage search visitors is still very important, in theory (and that this indirectly impacts even ranking), but you may find you can write perfectly well within a 155-character limit. We also have to face the reality that Google seems to be rewriting more and more descriptions. This is difficult to measure, as many rewrites are partial, but there's no guarantee that your meta description will be used as written. </p><p>Is there any way to tell when a longer snippet (&gt;300 characters) will still be used? Some SEOs have hypothesized a link between longer snippets and featured snippets at the top of the page. In our overall data set, 13.3% of all SERPs had featured snippets. If we look at just SERPs with a maximum display snippet length of 160 characters (i.e. no result was longer than 160 characters), the featured snippet occurrence was 11.4%. If we look at SERPs with at least one display snippet over 300 characters, featured snippets occurred at a rate of 41.8%. While that second data set is fairly small, it is a striking difference. There does seem to be some connection between Google's ability to extract answers in the form of featured snippets and their ability or willingness to display longer search snippets. In many cases, though, these longer snippets are rewrites or taken directly from the page, so even then there's no guarantee that Google will use your longer meta description. </p><p>For now, it appears that the 155-character guideline is back in play. If you've already increased some of your meta descriptions, I don't think there's any reason to panic. It might make sense to rewrite overly-long descriptions on critical pages, especially if the cut-offs are leading to bad results. If you do choose to rewrite some of them, consider the 150/150 approach — at least then you'll be a bit more future-proofed. </p><br /><p><a href="https://moz.com/moztop10">Sign up for The Moz Top 10</a>, a semimonthly mailer updating you on the top ten hottest pieces of SEO news, tips, and rad links uncovered by the Moz team. Think of it as your exclusive digest of stuff you don't have time to hunt down but want to read!</p><img src="http://feedpress.me/9375/9167083.gif" height="1" width="1"/> Disney Credit Card Review: Mickey Mouse Rewards https://www.nerdwallet.com/blog/credit-cards/disney-credit-card-review/ NerdWallet urn:uuid:08821516-c3f4-5309-7b1d-13da760d3cc2 Tue, 15 May 2018 22:40:45 +0000 Editor’s rating: 3.3/5  If the House of Mouse is your happy place, you may be thinking about getting a Disney-branded rewards credit card. Disney cards come in two flavors: the no-fee Disney… <p>Editor’s rating: 3.3/5  If the House of Mouse is your happy place, you may be thinking about getting a Disney-branded rewards credit card. Disney cards come in two flavors: the no-fee Disney Rewards® Visa® Card and Disney's Premier Visa® Card, which has an annual fee of $49 and throws in some additional perks for the price. Neither...</p><p class="nw-originally-posted-link">The article Disney Credit Card Review: Mickey Mouse Rewards originally appeared on NerdWallet.</p><span data-post-id="517737"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=517737" style="display: none;" data-has-syndication-rights="1" /> Ikea Assembles a New Rewards Credit Card https://www.nerdwallet.com/blog/credit-cards/ikea-visa-credit-card-rewards-loyal-customers/ NerdWallet urn:uuid:9e2344c4-eba8-04bd-c835-8901cda80cdd Tue, 15 May 2018 22:35:51 +0000 Ikea and Comenity Capital Bank have put together a new no-annual-fee credit card designed to reward loyal customers. The Ikea Visa Credit Card, which launched May 15, offers rewards on purchases… <p>Ikea and Comenity Capital Bank have put together a new no-annual-fee credit card designed to reward loyal customers. The Ikea Visa Credit Card, which launched May 15, offers rewards on purchases at the Swedish behemoth as well as on everyday shopping. Cardholders will earn: 5% back in rewards per dollar spent on all Ikea purchases, as...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Robin Saks Frankel is a writer at NerdWallet. Email: rfrankel@nerdwallet.com. Twitter: @robinsaks. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article Ikea Assembles a New Rewards Credit Card originally appeared on NerdWallet.</p><span data-post-id="522665"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=522665" style="display: none;" data-has-syndication-rights="1" /> 5 Ways to Rebuild Retirement Savings Later in Life https://www.nerdwallet.com/blog/investing/ways-to-rebuild-retirement-savings-later-in-life/ NerdWallet urn:uuid:edfa2024-2ef2-35df-de70-a1be8d91fce9 Tue, 15 May 2018 20:04:26 +0000 If a look at the balance in your 401(k) sparks a midlife savings crisis, take heart: Later is a better time than never to get serious about retirement. One of… <p>If a look at the balance in your 401(k) sparks a midlife savings crisis, take heart: Later is a better time than never to get serious about retirement. One of the top culprits for underwhelming savings later in life is early withdrawals from individual retirement accounts and employer-sponsored plans like the 401(k) and 403(b), experts...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Kevin Voigt is a writer at NerdWallet. Email: kevin@nerdwallet.com. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article 5 Ways to Rebuild Retirement Savings Later in Life originally appeared on NerdWallet.</p><span data-post-id="521594"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521594" style="display: none;" data-has-syndication-rights="1" /> Class of 2018: 8 Ways to Prep for Financial Adulthood https://www.nerdwallet.com/blog/loans/student-loans/class-2018-8-ways-prepare-adulthood/ NerdWallet urn:uuid:086ab0ff-4093-836a-8052-25e54e880823 Tue, 15 May 2018 18:00:22 +0000 Whether you’re graduating from high school or college, a diploma and a job represent the beginning of your personal — and financial — adult life. It’s an exciting, sometimes overwhelming… <p>Whether you’re graduating from high school or college, a diploma and a job represent the beginning of your personal — and financial — adult life. It’s an exciting, sometimes overwhelming time. When you have the inevitable “I have no idea what I’m doing” freakout, remember these tips: 1. Set clear financial priorities You probably can’t...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Teddy Nykiel is a writer at NerdWallet. Email: teddy@nerdwallet.com. Twitter: @teddynykiel. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article Class of 2018: 8 Ways to Prep for Financial Adulthood originally appeared on NerdWallet.</p><span data-post-id="521707"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521707" style="display: none;" data-has-syndication-rights="1" /> How to Get a Home Equity Loan If You Have Bad Credit https://www.nerdwallet.com/blog/mortgages/home-equity-loan-bad-credit/ NerdWallet urn:uuid:dcf13d44-4d58-29c0-0576-d12371a7923c Tue, 15 May 2018 13:34:19 +0000 Getting a loan when your credit score has taken a downward slide can be tough. Your home may hold the answer — with the value that it has accrued over… <p>Getting a loan when your credit score has taken a downward slide can be tough. Your home may hold the answer — with the value that it has accrued over time. A home equity loan can allow a lump sum withdrawal of cash while a home equity line of credit provides as-you-need-it access. And a sky-high...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Hal M. Bundrick, CFP is a writer at NerdWallet. Email: hal@nerdwallet.com. Twitter: @halmbundrick. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article How to Get a Home Equity Loan If You Have Bad Credit originally appeared on NerdWallet.</p><span data-post-id="521856"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521856" style="display: none;" data-has-syndication-rights="1" /> Instagram Shadowban? What Marketers Need to Know https://www.socialmediaexaminer.com/instagram-shadowban-what-marketers-need-to-know/ Social Media Examiner urn:uuid:76b074ec-5291-e82f-16bc-8295130bd2f9 Tue, 15 May 2018 10:00:52 +0000 <img width="1200" height="630" src="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200.png" class="webfeedsFeaturedVisual wp-post-image" alt="" style="display: block; margin-bottom: 5px; clear:both;max-width: 100%;" srcset="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200.png 1200w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200-150x79.png 150w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200-300x158.png 300w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200-768x403.png 768w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200-1024x538.png 1024w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200-495x260.png 495w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200-770x404.png 770w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200-450x236.png 450w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200-920x483.png 920w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/instagram-shadowban-how-to-avoid-1200-600x315.png 600w" sizes="(max-width: 1200px) 100vw, 1200px" /><p>Worried your Instagram visibility has been reduced? Wondering if your account is at risk for an Instagram &#8220;shadowban&#8221;? In this article, you&#8217;ll discover how to avoid activities that can result in reduced visibility on Instagram. Is There an Instagram Shadowban? Before discussing the limits imposed on Instagram activities, I want to clarify the confusion about <a class="read-more" href="https://www.socialmediaexaminer.com/instagram-shadowban-what-marketers-need-to-know/">[...]</a></p> <p>This post <a rel="nofollow" href="https://www.socialmediaexaminer.com/instagram-shadowban-what-marketers-need-to-know/">Instagram Shadowban? What Marketers Need to Know</a> first appeared on Social Media Examiner.</p> What to Know Before Saying ‘Yes’ to an Online Wedding Dress https://www.nerdwallet.com/article/what-to-know-before-saying-yes-to-an-online-wedding-dress NerdWallet urn:uuid:a4ee1561-db7f-876c-95cd-116370464b7d Tue, 15 May 2018 03:00:12 +0000 Carol Hickins’ wedding dress arrived at her office “in a plastic bag inside a brown cardboard box,” she says. The packaging was a “letdown,” she says, but the dress was… <p>Carol Hickins’ wedding dress arrived at her office “in a plastic bag inside a brown cardboard box,” she says. The packaging was a “letdown,” she says, but the dress was not. She loved the gown she bought from the Ann Taylor website. That was in 2013, and Ann Taylor has since stopped selling wedding dresses....</p><p class="nw-originally-posted-link">The article What to Know Before Saying ‘Yes’ to an Online Wedding Dress originally appeared on NerdWallet.</p><span data-post-id="521752"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521752" style="display: none;" data-has-syndication-rights="1" /> A Machine Learning Guide for Average Humans http://tracking.feedpress.it/link/9375/9157255 Moz Blog urn:uuid:7f2dbb45-09cf-c7cb-b751-c90d32540d87 Tue, 15 May 2018 00:22:00 +0000 <p>Posted by <a href=\"https://moz.com/community/users/3894323\">alexis-sanders</a></p><!-- DO NOT EDIT THIS POST WITHOUT ASKING FELICIA FIRST. THE BLOG WILL DESTROY ALL MY HARD WORK WITH DIVS. If destruction is inevitable, take code from here: https://docs.google.com/document/d/1uM2YuYsD1-kyCMz4c9LaMMjoixsMa8iGbBFHmkVWto8/edit?usp=sharing --> <script src="https://ajax.googleapis.com/ajax/libs/jquery/1.9.1/jquery.min.js"></script> <script type="text/javascript"> (function($) { // code using $ as alias to jQuery $(function() { // Hide the hypotext content. $('.hypotext-content').hide(); // When a hypotext link is clicked. $('a.hypotext.closed').click(function (e) { // custom handling here e.preventDefault(); // Create the class reference from the rel value. var id = '.' + $(this).attr('rel'); // If the content is hidden, show it now. if ( $(id).css('display') == 'none' ) { $(id).show('slow'); if (jQuery.ui) { // UI loaded $(id).effect("highlight", {}, 1000); } } // If the content is shown, hide it now. else { $(id).hide('slow'); } }); // If we have a hash value in the url. if (window.location.hash) { // If the anchor is within a hypotext block, expand it, by clicking the // relevant link. console.log(window.location.hash); var anchor = $(window.location.hash); var hypotextLink = $('#' + anchor.parents('.hypotext-content').attr('rel')); console.log(hypotextLink); hypotextLink.click(); // Wait until the content has expanded before jumping to anchor. //$.delay(1000); setTimeout(function(){ scrollToAnchor(window.location.hash); }, 1000); } }); function scrollToAnchor(id) { var anchor = $(id); $('html,body').animate({scrollTop: anchor.offset().top},'slow'); } })(jQuery); </script> <style media="screen" type="text/css"> .hypotext-content { position: relative; padding: 10px; margin: 10px 0; border-right: 5px solid; } a.hypotext { border-bottom: 1px solid; } .hypotext-content .close:before { content: "close"; font-size: 0.7em; margin-right: 5px; border-bottom: 1px solid; } a.hypotext.close { display: block; position: absolute; right: 0; top: 0; line-height: 1em; border: none; } </style> <p>Machine learning (ML) has grown consistently in worldwide prevalence. Its implications have stretched from <a target="_blank" href="https://www.newyorker.com/tech/elements/diy-artificial-intelligence-comes-to-a-japanese-family-farm">small</a>, seemingly <a target="_blank" href="https://www.npr.org/2012/06/26/155792609/a-massive-google-network-learns-to-identify">inconsequential</a> <a target="_blank" href="https://deepmind.com/research/alphago/">victories</a> to <a target="_blank" href="https://www.techemergence.com/deep-learning-applications-in-medical-imaging/">groundbreaking</a> discoveries. The SEO community is <a target="_blank" href="https://en.wikipedia.org/wiki/RankBrain">no exception</a>. An understanding and intuition of machine learning can support our understanding of the challenges and solutions Google's engineers are facing, while also opening our minds to ML's broader implications. </p> <p>The advantages of gaining an general understanding of machine learning include:<br> </p> <ul> <li>Gaining empathy for engineers, who are ultimately trying to <a target="_blank" href="https://www.reddit.com/r/TechSEO/comments/87pxsu/i_am_john_mueller_webmaster_trends_analyst_at/dwh6l3p/">establish the best results for users</a></li> <li>Understanding what problems machines are solving for, their <a target="_blank" href="https://www.youtube.com/watch?v=0tEhw5t6rhc">current capabilities</a> and scientists' goals </li> <li>Understanding the competitive ecosystem and how <a target="_blank" href="https://www.forrester.com/report/AI+And+Offline+Retail+Alibabas+Recipe+For+Another+Smashing+Singles+Day/-/E-RES141860">companies are using machine learning to drive results</a></li> <li>Preparing oneself for for what many industry leaders call a major shift in our society (Andrew Ng refers to <a target="_blank" href="https://www.youtube.com/watch?v=21EiKfQYZXc">AI as a "new electricity"</a>) </li> <li>Understanding basic concepts that often appear within research (it's helped me with understanding certain concepts that appear within <a target="_blank" href="https://research.googleblog.com/">Google Brain's Research</a>)</li> <li>Growing as an individual and expanding your horizons (you might really enjoy machine learning!)</li> <li>When code works and data is produced, it's a very fulfilling, empowering feeling (even if it's a very humble result)</li> </ul> <p><img src="http://d2v4zi8pl64nxt.cloudfront.net/learning-machine-learning/5afa91fc1cf368.50776644.png" "=""> </p> <p>I spent a year taking online courses, reading books, and learning about learning (...as a machine). This post is the fruit borne of that labor -- it covers 17 machine learning resources (including online courses, books, guides, conference presentations, etc.) comprising the most affordable and popular machine learning resources on the web (through the lens of a complete beginner). I've also added a summary of "If I were to start over again, how I would approach it." </p> <p>This article isn't about credit or degrees. It's about regular Joes and Joannas with an interest in machine learning, and who want to spend their learning time efficiently. Most of these resources will consume over 50 hours of commitment. Ain't nobody got time for a painful waste of a work week (especially when this is probably completed during your personal time). The goal here is for you to find the resource that best suits your learning style. I genuinely hope you find this research useful, and I encourage comments on which materials prove most helpful (especially ones not included)! #HumanLearningMachineLearning </p> <hr> <h2>Executive summary:</h2> <p>Here's everything you need to know in a chart: </p> <div style="overflow-x:auto;"> <table class="table-basic table-row-hover"> <thead> <tr> <th style="width:20%;"> <p>Machine Learning Resource </p> </th> <th> <p>Time (hours) </p> </th> <th> <p>Cost ($) </p> </th> <th> <p>Year </p> </th> <th> <p>Credibility </p> </th> <th> <p>Code </p> </th> <th> <p>Math </p> </th> <th> <p>Enjoyability </p> </th> </tr> </thead> <tbody> <tr> <td> <p><a target="_blank" href="https://docs.google.com/presentation/d/1kSuQyW5DTnkVaZEjGYCkfOxvzCqGEFzWBy4e9Uedd9k/preview?imm_mid=0f9b7e&cmp=em-data-na-na-newsltr_20171213&slide=id.g183f28bdc3_0_90">Jason Maye's Machine Learning 101 slidedeck: 2 years of headbanging, so you don't have to</a> </p> </td> <td> <p>2 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5352.png" alt="Credibility level 3" style="border: none; max-height: 30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5215.png" alt="Code level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5936.png" alt="Enjoyability level 5" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.youtube.com/watch?v=cKxRvEZd3Mw&list=PLOU2XLYxmsIIuiBfYad6rFYQU_jL2ryal">{ML} Recipes with Josh Gordon Playlist</a> </p> </td> <td> <p>2 </p> </td> <td> <p>$0 </p> </td> <td> <p>'16 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5352.png" alt="Credibility level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5464.png" alt="Code level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5914.png" alt="Enjoyability level 4" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://developers.google.com/machine-learning/crash-course/">Machine Learning Crash Course</a> </p> </td> <td> <p>15 </p> </td> <td> <p>$0 </p> </td> <td> <p>'18 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5541.png" alt="Credibility level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5547.png" alt="Code level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3987.png" alt="Math level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5914.png" alt="Enjoyability level 4" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="http://ocdevel.com/podcasts/machine-learning">OCDevel Machine Learning Guide Podcast</a> </p> </td> <td> <p>30 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17- </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5083.png" alt="Credibility level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5215.png" alt="Code level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5936.png" alt="Enjoyability level 5" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.kaggle.com/learn/machine-learning">Kaggle's Machine Learning Track</a> (part 1) </p> </td> <td> <p>6 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5352.png" alt="Credibility level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5616.png" alt="Code level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5914.png" alt="Enjoyability level 4" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="http://course.fast.ai/start.html">Fast.ai (part 1)</a> </p> </td> <td> <p>70 </p> </td> <td> <p>$70* </p> </td> <td> <p>'16 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5541.png" alt="Credibility level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5616.png" alt="Code level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3942.png" alt="Math level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5936.png" alt="Enjoyability level 5" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.amazon.com/_/dp/1491962291?tag=oreilly20-20">Hands-On Machine Learning with Scikit-Learn and TensorFlow: Concepts, Tools, and Techniques to Build Intelligent Systems</a> </p> </td> <td> <p>20 </p> </td> <td> <p>$25 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5541.png" alt="Credibility level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5547.png" alt="Code level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3987.png" alt="Math level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5767.png" alt="Enjoyability level 3" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.udacity.com/course/intro-to-machine-learning--ud120">Udacity's Intro to Machine Learning (Kate/Sebastian)</a> </p> </td> <td> <p>60 </p> </td> <td> <p>$0 </p> </td> <td> <p>'15 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5541.png" alt="Credibility level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5547.png" alt="Code level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3942.png" alt="Math level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5767.png" alt="Enjoyability level 3" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.coursera.org/learn/machine-learning/">Andrew Ng's Coursera Machine Learning</a> </p> </td> <td> <p>55 </p> </td> <td> <p>$0 </p> </td> <td> <p>'11 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5453.png" alt="Credibility level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5398.png" alt="Code level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-4044.png" alt="Math level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5524.png" alt="Enjoyability level 1" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="http://ipullrank.com/machine-learning-guide/">iPullRank Machine Learning Guide</a> </p> </td> <td> <p>3 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5083.png" alt="Credibility level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5215.png" alt="Code level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5767.png" alt="Enjoyability level 3" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.youtube.com/watch?v=u4alGiomYP4">Review Google PhD</a> </p> </td> <td> <p>2 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5453.png" alt="Credibility level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5547.png" alt="Code level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3987.png" alt="Math level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5751.png" alt="Enjoyability level 2" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://work.caltech.edu/telecourse.html">Caltech Machine Learning on iTunes</a> </p> </td> <td> <p>27 </p> </td> <td> <p>$0 </p> </td> <td> <p>'12 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5453.png" alt="Credibility level 5" style="border: none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5398.png" alt="Code level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-4138.png" alt="Math level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5751.png" alt="Enjoyability level 2" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.amazon.com/Pattern-Recognition-Learning-Information-Statistics/dp/0387310738/ref=sr_1_2?ie=UTF8&qid=1516839475&sr=8-2&keywords=Pattern+Recognition+%26+Machine+Learning">Pattern Recognition & Machine Learning by Christopher Bishop</a> </p> </td> <td> <p>150 </p> </td> <td> <p>$75 </p> </td> <td> <p>'06 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5453.png" alt="Credibility level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5398.png" alt="Code level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-4138.png" alt="Math level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p>N/A </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.amazon.com/Machine-Learning-Hands-Developers-Professionals/dp/1118889061">Machine Learning: Hands-on for Developers and Technical Professionals</a> </p> </td> <td> <p>15 </p> </td> <td> <p>$50 </p> </td> <td> <p>'15 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5295.png" alt="Credibility level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5464.png" alt="Code level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3987.png" alt="Math level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5767.png" alt="Enjoyability level 3" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.amazon.com/Introduction-Machine-Learning-Python-Scientists/dp/1449369413/ref=sr_1_7?s=books&ie=UTF8&qid=1516734322&sr=1-7&keywords=python+machine+learning">Introduction to Machine Learning with Python: A Guide for Data Scientists</a> </p> </td> <td> <p>15 </p> </td> <td> <p>$25 </p> </td> <td> <p>'16 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5352.png" alt="Credibility level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5464.png" alt="Code level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3942.png" alt="Math level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5751.png" alt="Enjoyability level 2" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.udacity.com/course/machine-learning--ud262">Udacity's Machine Learning by Georgia Tech</a> </p> </td> <td> <p>96 </p> </td> <td> <p>Posted by <a href=\"https://moz.com/community/users/3894323\">alexis-sanders</a></p><!-- DO NOT EDIT THIS POST WITHOUT ASKING FELICIA FIRST. THE BLOG WILL DESTROY ALL MY HARD WORK WITH DIVS. If destruction is inevitable, take code from here: https://docs.google.com/document/d/1uM2YuYsD1-kyCMz4c9LaMMjoixsMa8iGbBFHmkVWto8/edit?usp=sharing --> <script src="https://ajax.googleapis.com/ajax/libs/jquery/1.9.1/jquery.min.js"></script> <script type="text/javascript"> (function($) { // code using $ as alias to jQuery $(function() { // Hide the hypotext content. $('.hypotext-content').hide(); // When a hypotext link is clicked. $('a.hypotext.closed').click(function (e) { // custom handling here e.preventDefault(); // Create the class reference from the rel value. var id = '.' + $(this).attr('rel'); // If the content is hidden, show it now. if ( $(id).css('display') == 'none' ) { $(id).show('slow'); if (jQuery.ui) { // UI loaded $(id).effect("highlight", {}, 1000); } } // If the content is shown, hide it now. else { $(id).hide('slow'); } }); // If we have a hash value in the url. if (window.location.hash) { // If the anchor is within a hypotext block, expand it, by clicking the // relevant link. console.log(window.location.hash); var anchor = $(window.location.hash); var hypotextLink = $('#' + anchor.parents('.hypotext-content').attr('rel')); console.log(hypotextLink); hypotextLink.click(); // Wait until the content has expanded before jumping to anchor. //$.delay(1000); setTimeout(function(){ scrollToAnchor(window.location.hash); }, 1000); } }); function scrollToAnchor(id) { var anchor = $(id); $('html,body').animate({scrollTop: anchor.offset().top},'slow'); } })(jQuery); </script> <style media="screen" type="text/css"> .hypotext-content { position: relative; padding: 10px; margin: 10px 0; border-right: 5px solid; } a.hypotext { border-bottom: 1px solid; } .hypotext-content .close:before { content: "close"; font-size: 0.7em; margin-right: 5px; border-bottom: 1px solid; } a.hypotext.close { display: block; position: absolute; right: 0; top: 0; line-height: 1em; border: none; } </style> <p>Machine learning (ML) has grown consistently in worldwide prevalence. Its implications have stretched from <a target="_blank" href="https://www.newyorker.com/tech/elements/diy-artificial-intelligence-comes-to-a-japanese-family-farm">small</a>, seemingly <a target="_blank" href="https://www.npr.org/2012/06/26/155792609/a-massive-google-network-learns-to-identify">inconsequential</a> <a target="_blank" href="https://deepmind.com/research/alphago/">victories</a> to <a target="_blank" href="https://www.techemergence.com/deep-learning-applications-in-medical-imaging/">groundbreaking</a> discoveries. The SEO community is <a target="_blank" href="https://en.wikipedia.org/wiki/RankBrain">no exception</a>. An understanding and intuition of machine learning can support our understanding of the challenges and solutions Google's engineers are facing, while also opening our minds to ML's broader implications. </p> <p>The advantages of gaining an general understanding of machine learning include:<br> </p> <ul> <li>Gaining empathy for engineers, who are ultimately trying to <a target="_blank" href="https://www.reddit.com/r/TechSEO/comments/87pxsu/i_am_john_mueller_webmaster_trends_analyst_at/dwh6l3p/">establish the best results for users</a></li> <li>Understanding what problems machines are solving for, their <a target="_blank" href="https://www.youtube.com/watch?v=0tEhw5t6rhc">current capabilities</a> and scientists' goals </li> <li>Understanding the competitive ecosystem and how <a target="_blank" href="https://www.forrester.com/report/AI+And+Offline+Retail+Alibabas+Recipe+For+Another+Smashing+Singles+Day/-/E-RES141860">companies are using machine learning to drive results</a></li> <li>Preparing oneself for for what many industry leaders call a major shift in our society (Andrew Ng refers to <a target="_blank" href="https://www.youtube.com/watch?v=21EiKfQYZXc">AI as a "new electricity"</a>) </li> <li>Understanding basic concepts that often appear within research (it's helped me with understanding certain concepts that appear within <a target="_blank" href="https://research.googleblog.com/">Google Brain's Research</a>)</li> <li>Growing as an individual and expanding your horizons (you might really enjoy machine learning!)</li> <li>When code works and data is produced, it's a very fulfilling, empowering feeling (even if it's a very humble result)</li> </ul> <p><img src="http://d2v4zi8pl64nxt.cloudfront.net/learning-machine-learning/5afa91fc1cf368.50776644.png" "=""> </p> <p>I spent a year taking online courses, reading books, and learning about learning (...as a machine). This post is the fruit borne of that labor -- it covers 17 machine learning resources (including online courses, books, guides, conference presentations, etc.) comprising the most affordable and popular machine learning resources on the web (through the lens of a complete beginner). I've also added a summary of "If I were to start over again, how I would approach it." </p> <p>This article isn't about credit or degrees. It's about regular Joes and Joannas with an interest in machine learning, and who want to spend their learning time efficiently. Most of these resources will consume over 50 hours of commitment. Ain't nobody got time for a painful waste of a work week (especially when this is probably completed during your personal time). The goal here is for you to find the resource that best suits your learning style. I genuinely hope you find this research useful, and I encourage comments on which materials prove most helpful (especially ones not included)! #HumanLearningMachineLearning </p> <hr> <h2>Executive summary:</h2> <p>Here's everything you need to know in a chart: </p> <div style="overflow-x:auto;"> <table class="table-basic table-row-hover"> <thead> <tr> <th style="width:20%;"> <p>Machine Learning Resource </p> </th> <th> <p>Time (hours) </p> </th> <th> <p>Cost ($) </p> </th> <th> <p>Year </p> </th> <th> <p>Credibility </p> </th> <th> <p>Code </p> </th> <th> <p>Math </p> </th> <th> <p>Enjoyability </p> </th> </tr> </thead> <tbody> <tr> <td> <p><a target="_blank" href="https://docs.google.com/presentation/d/1kSuQyW5DTnkVaZEjGYCkfOxvzCqGEFzWBy4e9Uedd9k/preview?imm_mid=0f9b7e&cmp=em-data-na-na-newsltr_20171213&slide=id.g183f28bdc3_0_90">Jason Maye's Machine Learning 101 slidedeck: 2 years of headbanging, so you don't have to</a> </p> </td> <td> <p>2 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5352.png" alt="Credibility level 3" style="border: none; max-height: 30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5215.png" alt="Code level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5936.png" alt="Enjoyability level 5" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.youtube.com/watch?v=cKxRvEZd3Mw&list=PLOU2XLYxmsIIuiBfYad6rFYQU_jL2ryal">{ML} Recipes with Josh Gordon Playlist</a> </p> </td> <td> <p>2 </p> </td> <td> <p>$0 </p> </td> <td> <p>'16 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5352.png" alt="Credibility level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5464.png" alt="Code level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5914.png" alt="Enjoyability level 4" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://developers.google.com/machine-learning/crash-course/">Machine Learning Crash Course</a> </p> </td> <td> <p>15 </p> </td> <td> <p>$0 </p> </td> <td> <p>'18 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5541.png" alt="Credibility level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5547.png" alt="Code level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3987.png" alt="Math level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5914.png" alt="Enjoyability level 4" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="http://ocdevel.com/podcasts/machine-learning">OCDevel Machine Learning Guide Podcast</a> </p> </td> <td> <p>30 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17- </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5083.png" alt="Credibility level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5215.png" alt="Code level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5936.png" alt="Enjoyability level 5" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.kaggle.com/learn/machine-learning">Kaggle's Machine Learning Track</a> (part 1) </p> </td> <td> <p>6 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5352.png" alt="Credibility level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5616.png" alt="Code level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5914.png" alt="Enjoyability level 4" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="http://course.fast.ai/start.html">Fast.ai (part 1)</a> </p> </td> <td> <p>70 </p> </td> <td> <p>$70* </p> </td> <td> <p>'16 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5541.png" alt="Credibility level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5616.png" alt="Code level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3942.png" alt="Math level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5936.png" alt="Enjoyability level 5" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.amazon.com/_/dp/1491962291?tag=oreilly20-20">Hands-On Machine Learning with Scikit-Learn and TensorFlow: Concepts, Tools, and Techniques to Build Intelligent Systems</a> </p> </td> <td> <p>20 </p> </td> <td> <p>$25 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5541.png" alt="Credibility level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5547.png" alt="Code level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3987.png" alt="Math level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5767.png" alt="Enjoyability level 3" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.udacity.com/course/intro-to-machine-learning--ud120">Udacity's Intro to Machine Learning (Kate/Sebastian)</a> </p> </td> <td> <p>60 </p> </td> <td> <p>$0 </p> </td> <td> <p>'15 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5541.png" alt="Credibility level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5547.png" alt="Code level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3942.png" alt="Math level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5767.png" alt="Enjoyability level 3" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.coursera.org/learn/machine-learning/">Andrew Ng's Coursera Machine Learning</a> </p> </td> <td> <p>55 </p> </td> <td> <p>$0 </p> </td> <td> <p>'11 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5453.png" alt="Credibility level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5398.png" alt="Code level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-4044.png" alt="Math level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5524.png" alt="Enjoyability level 1" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="http://ipullrank.com/machine-learning-guide/">iPullRank Machine Learning Guide</a> </p> </td> <td> <p>3 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5083.png" alt="Credibility level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5215.png" alt="Code level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3885.png" alt="Math level 1" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5767.png" alt="Enjoyability level 3" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.youtube.com/watch?v=u4alGiomYP4">Review Google PhD</a> </p> </td> <td> <p>2 </p> </td> <td> <p>$0 </p> </td> <td> <p>'17 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5453.png" alt="Credibility level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5547.png" alt="Code level 4" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3987.png" alt="Math level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5751.png" alt="Enjoyability level 2" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://work.caltech.edu/telecourse.html">Caltech Machine Learning on iTunes</a> </p> </td> <td> <p>27 </p> </td> <td> <p>$0 </p> </td> <td> <p>'12 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5453.png" alt="Credibility level 5" style="border: none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5398.png" alt="Code level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-4138.png" alt="Math level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5751.png" alt="Enjoyability level 2" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.amazon.com/Pattern-Recognition-Learning-Information-Statistics/dp/0387310738/ref=sr_1_2?ie=UTF8&qid=1516839475&sr=8-2&keywords=Pattern+Recognition+%26+Machine+Learning">Pattern Recognition & Machine Learning by Christopher Bishop</a> </p> </td> <td> <p>150 </p> </td> <td> <p>$75 </p> </td> <td> <p>'06 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5453.png" alt="Credibility level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5398.png" alt="Code level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-4138.png" alt="Math level 5" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p>N/A </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.amazon.com/Machine-Learning-Hands-Developers-Professionals/dp/1118889061">Machine Learning: Hands-on for Developers and Technical Professionals</a> </p> </td> <td> <p>15 </p> </td> <td> <p>$50 </p> </td> <td> <p>'15 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5295.png" alt="Credibility level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5464.png" alt="Code level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3987.png" alt="Math level 2" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5767.png" alt="Enjoyability level 3" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.amazon.com/Introduction-Machine-Learning-Python-Scientists/dp/1449369413/ref=sr_1_7?s=books&ie=UTF8&qid=1516734322&sr=1-7&keywords=python+machine+learning">Introduction to Machine Learning with Python: A Guide for Data Scientists</a> </p> </td> <td> <p>15 </p> </td> <td> <p>$25 </p> </td> <td> <p>'16 </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5352.png" alt="Credibility level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5464.png" alt="Code level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-3942.png" alt="Math level 3" style="border:none; max-height:30px; float:left;"> </p> </td> <td> <p><img src="http://d1avok0lzls2w.cloudfront.net/uploads/blog/screen-shot-2018-05-14-at-5-5751.png" alt="Enjoyability level 2" style="border:none; max-height:30px; float:left;"> </p> </td> </tr> <tr> <td> <p><a target="_blank" href="https://www.udacity.com/course/machine-learning--ud262">Udacity's Machine Learning by Georgia Tech</a> </p> </td> <td> <p>96 </p> </td> <td> BankAmericard Makes $0 Transfer Fee Harder to Find https://www.nerdwallet.com/blog/credit-cards/bankamericard-0-transfer-fee-only-at-issuer/ NerdWallet urn:uuid:d503c584-704a-d0bd-a9bb-0c80e1a30f23 Mon, 14 May 2018 22:52:23 +0000 The BankAmericard® credit card is making itself a little less attractive as a balance transfer option. For a while now, the BankAmericard® credit card has offered the triple crown of balance… <p>The BankAmericard® credit card is making itself a little less attractive as a balance transfer option. For a while now, the BankAmericard® credit card has offered the triple crown of balance transfer benefits: an  annual fee of $0; an introductory 0% APR for transfers in the first 60 days; and a $0 intro balance transfer fee for...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Paul Soucy is a writer at NerdWallet. Email: paul@nerdwallet.com. Twitter: @paulsoucy. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article BankAmericard Makes $0 Transfer Fee Harder to Find originally appeared on NerdWallet.</p><span data-post-id="522244"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=522244" style="display: none;" data-has-syndication-rights="1" /> How to Refinance a Personal Loan https://www.nerdwallet.com/blog/loans/how-to-refinance-a-personal-loan/ NerdWallet urn:uuid:18691aa8-ebb3-a8ab-f780-32ad7c3ec6e0 Mon, 14 May 2018 22:32:28 +0000 Refinancing a personal loan means obtaining a new loan and using the funds to pay off an existing personal loan. This strategy can save you money if you qualify for… <p>Refinancing a personal loan means obtaining a new loan and using the funds to pay off an existing personal loan. This strategy can save you money if you qualify for a lower interest rate on the new loan. There also may be other situations where it makes sense to refinance. How to refinance a personal...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Steve Nicastro is a writer at NerdWallet. Email: steven.n@nerdwallet.com. Twitter: @StevenNicastro. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article How to Refinance a Personal Loan originally appeared on NerdWallet.</p><span data-post-id="521497"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521497" style="display: none;" data-has-syndication-rights="1" /> 7 Reasons Why Nobody is Reading Your Content and How to Grab Their Attention https://blog.kissmetrics.com/why-is-nobody-reading-content/ The KISSmetrics Marketing Blog urn:uuid:b19cfd21-c277-cd0b-e555-887629b6ae30 Mon, 14 May 2018 18:28:03 +0000 Content, content, content. It seems like content is the only thing anyone can talk about these days. You’ve probably read post after post about how “content is king” at least a dozen times. However, despite your best efforts, you can’t seem to see what the content hype is all about. You write blog posts. You [&#8230;] <p><em>Content, content, content. </em></p> <p>It seems like content is the only thing anyone can talk about these days. </p> <p>You’ve probably read post after post about how “content is king” at least a dozen times. </p> <p>However, despite your best efforts, you can’t seem to see what the content hype is all about. </p> <p>You write blog posts.</p> <p>You create videos. </p> <p>You participate in social media. </p> <p>And yet, <em>crickets</em>. </p> <p>You’re <em>creating</em> content, but it’s not getting you very far. </p> <p>Unfortunately, creating content isn’t enough to really market your business. </p> <p>If no one is engaging with what you’re producing, you’re simply wasting time, energy, and resources to clutter an already overcrowded web. </p> <p>But this doesn’t mean content marketing is ineffective. </p> <p>In fact, <a href="https://www.smartinsights.com/content-management/content-marketing-strategy/the-state-of-content-marketing-2018/" target="_blank">20% of business owners</a> believe content marketing will have the largest impact on their business in 2018. </p> <p>If you’re not getting results from the content you’re creating, it typically means you’re doing something wrong. </p> <p>But with a projected <a href="http://www.thedrum.com/news/2017/11/06/content-marketing-industry-be-worth-412bn-2021-following-four-year-growth-spurt" target="_blank">16% growth rate</a> between 2017 and 2021, content marketing isn’t something you can just hope will pass by. </p> <p>If you want to market your business successfully, you need to find your errors, shape up your content, and start getting conversions. </p> <p>To help you improve your content marketing strategy, here are seven of the biggest mistakes you might be making – and what you can do to turn your results around. </p> <h2>1. You have no strategy</h2> <p>Are you posting <em>whatever</em> you want, <em>whenever</em> you want?</p> <p>A lot of marketers do this. </p> <p>In fact, only 37% of B2B marketers <a href="http://contentmarketinginstitute.com/wp-content/uploads/2016/09/2017_B2B_Research_FINAL.pdf" target="_blank">have a documented content marketing strategy</a>. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/percentage-of-b2b-marketers-who-have-a-content-strategy.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/percentage-of-b2b-marketers-who-have-a-content-strategy.png" alt="percentage of b2b marketers who have a content strategy" class="alignnone size-full wp-image-37037" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/percentage-of-b2b-marketers-who-have-a-content-strategy.png 1124w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/percentage-of-b2b-marketers-who-have-a-content-strategy-300x170.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/percentage-of-b2b-marketers-who-have-a-content-strategy-768x435.png 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/percentage-of-b2b-marketers-who-have-a-content-strategy-1024x579.png 1024w" sizes="(max-width: 1124px) 100vw, 1124px" /></a></p> <p>This means the majority of marketers aren’t thinking strategically about the content they’re creating. </p> <p>This makes it easy for your audience to ignore whatever you’re sharing. </p> <p>A content marketing strategy helps you identify what you’d like to accomplish with your content, as well as how you’re going to use your content to achieve your larger business goals. </p> <p>In other words, it forces you to put intention behind your content. </p> <p><a href="https://moz.com/beginners-guide-to-content-marketing/content-strategy" target="_blank">Moz describes content marketing strategy</a> as the overlap between content marketing and content strategy.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/moz-content-marketing-strategy.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/moz-content-marketing-strategy.png" alt="moz content marketing strategy" class="alignnone size-full wp-image-37039" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/moz-content-marketing-strategy.png 1316w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/moz-content-marketing-strategy-300x225.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/moz-content-marketing-strategy-768x577.png 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/moz-content-marketing-strategy-1024x769.png 1024w" sizes="(max-width: 1316px) 100vw, 1316px" /></a></p> <p>At this intersection, you’re able to use the content you’ve created to bring your business plans to life. </p> <p>If you’re operating without a content marketing strategy, this disconnect makes it difficult for your target audience to know what you want them to do. </p> <p>However, when you create a plan, you’re putting a purpose behind your content. </p> <p>Creating a content marketing plan doesn’t need to be difficult. </p> <p>In fact, Content Marketing Institute outlines how you can <a href="http://contentmarketinginstitute.com/2017/04/content-strategy-one-page-plan/" target="_blank">create an effective plan in just one page</a> by outlining your objectives, goals, metrics, and strategy.</p> <p>Once this is done, you’re ready to move on to an editorial calendar. </p> <p>Your editorial calendar should work hand-in-hand with the content marketing strategy you’ve created. </p> <p>Here’s an example of an <a href="https://offers.hubspot.com/editorial-calendar-templates" target="_blank">editorial calendar template from HubSpot</a>. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/hubspot-blog-editorial-calendar.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/hubspot-blog-editorial-calendar.png" alt="hubspot blog editorial calendar" class="alignnone size-full wp-image-37040" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/hubspot-blog-editorial-calendar.png 1185w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/hubspot-blog-editorial-calendar-300x196.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/hubspot-blog-editorial-calendar-768x501.png 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/hubspot-blog-editorial-calendar-1024x668.png 1024w" sizes="(max-width: 1185px) 100vw, 1185px" /></a></p> <p>This calendar breaks down exactly when you’re going to publish your blog post, as well as the title name, content details, and keywords you’re going to target. </p> <p>It also shares which personas you’re trying to reach and what you’re going to offer them. </p> <p>This kind of well thought out planning means each piece of content you upload fits within the content marketing plan you’ve established. </p> <p>There are dozens of ways you can create an editorial calendar. </p> <p><a href="https://quickbooks.intuit.com/" target="_blank">Quickbooks</a> chooses to house their <a href="https://blog.airtable.com/4-000-pieces-of-content-15-writers-across-3-time-zones-and-1-editor/" target="_blank">editorial calendar in Airtable</a> – allowing one editor to manage over 4,000 pieces of content. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/quickbooks-content-operations.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/quickbooks-content-operations.png" alt="quickbooks content operations" class="alignnone size-full wp-image-37041" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/quickbooks-content-operations.png 1000w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/quickbooks-content-operations-300x103.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/quickbooks-content-operations-768x264.png 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></a></p> <p>Others, like Buffer, turn to Trello. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/buffer-blog-posts-trello.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/buffer-blog-posts-trello.jpg" alt="buffer blog posts trello" class="alignnone size-full wp-image-37042" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/buffer-blog-posts-trello.jpg 1199w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/buffer-blog-posts-trello-300x156.jpg 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/buffer-blog-posts-trello-768x400.jpg 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/buffer-blog-posts-trello-1024x533.jpg 1024w" sizes="(max-width: 1199px) 100vw, 1199px" /></a></p> <p>Personally, I like Asana. </p> <p>But the tool isn’t the point. The best tool is ultimately the one you can get everybody to use consistently.</p> <h2>2. You’re not publishing enough</h2> <p>When it comes to uploading content, quality beats quantity any day. </p> <p>However, if you’re just posting once a month, you’re going to struggle to grab any real attention. </p> <p>Consistency is key to building trust and credibility both with your audience and with search engines. </p> <p>The idea is simple. </p> <p>When you create more blogs, you’ll drive more traffic to your website. </p> <p>With more traffic, you can prove to Google that you have content people want to read. </p> <p>Once they understand you’re sharing valuable information, they’ll give your content a boost on their results pages – bringing in even more traffic and attention. </p> <p>However, it’s easier said than done. </p> <p>If you’re stuffing your website with low-quality information that your audience doesn’t care about, it doesn’t matter how frequently you post. </p> <p>In fact, <a href="https://writingcooperative.com/" target="_blank">The Writing Cooperative</a> found that <a href="https://writingcooperative.com/i-blogged-every-day-for-a-month-and-heres-what-happened-it-s-not-what-you-think-82d61b4248c3" target="_blank">blogging every day actually <em>decreased</em> their views</a> compared to when they were posting just six times a month. </p> <p>In March 2017, before their posting experiment, The Writing Cooperative was getting about 14,000 views each month. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-14k-views.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-14k-views.png" alt="medium stats" class="alignnone size-full wp-image-37043" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-14k-views.png 1316w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-14k-views-300x145.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-14k-views-768x371.png 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-14k-views-1024x495.png 1024w" sizes="(max-width: 1316px) 100vw, 1316px" /></a></p> <p>But once they began blogging every day, views began to decrease. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-12k-views.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-12k-views.png" alt="medium 12k views" class="alignnone size-full wp-image-37044" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-12k-views.png 1330w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-12k-views-300x133.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-12k-views-768x341.png 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/medium-12k-views-1024x454.png 1024w" sizes="(max-width: 1330px) 100vw, 1330px" /></a></p> <p>The problem here is that they couldn’t continue to create high-quality content each and every day – and their readers noticed. </p> <p>The key to getting attention through your content is finding the right balance between quality and quantity. </p> <p>You also want to go beyond simple blog posts. </p> <p>While blogging is a great way to bring traffic to your website, it doesn’t appeal to everyone. </p> <p>Not everyone <em>likes</em> to read blog posts. </p> <p>In fact, <a href="https://research.hubspot.com/content-trends-preferences?_ga=2.223470171.172314530.1523832252-799600512.1516489418#video" target="_blank">53% of consumers</a> said they’d like to see more videos in the future. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/what-type-of-content-do-people-want.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/what-type-of-content-do-people-want.png" alt="what type of content do people want" class="alignnone size-full wp-image-36871" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/what-type-of-content-do-people-want.png 696w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/what-type-of-content-do-people-want-300x158.png 300w" sizes="(max-width: 696px) 100vw, 696px" /></a></p> <p>And with customers becoming more and more dependent on voice search and smart speakers, blogging isn’t always the most effective way to deliver content. </p> <p>When you’re thinking about how often you should publish, you also want to consider what you’re publishing. </p> <p>Videos can be a great way to grab attention, break down complex topics in a way that is easier for your audience to understand, or show off your products. </p> <p>For example, Red Bull uses YouTube to show off the extreme sports, events, and competitions they sponsor.</p> <div class="fve-video-wrapper fve-image-embed fve-thumbnail-image youtube" style="padding-bottom:56.25%;"> <iframe src="//www.youtube.com/embed/vDIqXSrZ_50?wmode=transparent&modestbranding=1&autohide=1&showinfo=0&rel=0" width="100%" height="100%" frameborder="0" webkitAllowFullScreen mozallowfullscreen allowFullScreen></iframe> </div> <p>With over seven million subscribers to their channel, Red Bull has one of the <a href="https://www.statista.com/statistics/277765/most-popular-youtube-brand-channels-ranked-by-views/" target="_blank">most popular YouTube pages out there</a>. </p> <p>Infographics are another way you can make your content more interesting for your audience, especially if you’re showing off large amounts of data or research. </p> <p>In fact, over <a href="https://venngage.com/blog/visual-content-marketing-statistics/" target="_blank">41% of marketers</a> said that infographics were the most engaging forms of visual content for their audience.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/visuals-in-content-marketing.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/visuals-in-content-marketing.jpg" alt="visuals in content marketing" class="alignnone size-full wp-image-37045" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/visuals-in-content-marketing.jpg 877w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/visuals-in-content-marketing-300x116.jpg 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/visuals-in-content-marketing-768x298.jpg 768w" sizes="(max-width: 877px) 100vw, 877px" /></a></p> <p>This ranked even <em>higher</em> than videos. </p> <p><a href="https://www.lifehack.org/articles/work/why-infographics-are-irresistibly-popular.html" target="_blank">Infographics are insanely popular</a> because they’re easy to skim and visual, making them ideal content for your always-busy customers and clients. </p> <p>You can also expand your reach and get more attention to your content by producing podcasts. </p> <p>Podcasts have been increasing in popularity over the past couple of years, with an <a href="http://www.edisonresearch.com/the-podcast-consumer-2017/" target="_blank">estimated 67 million individuals</a> listening to podcasts every month in 2017. </p> <p>Repurposing written content into spoken can help you reach customers who don’t enjoy reading – expanding your audience to new individuals.</p> <p>When trying to create different kinds of content, don’t be afraid to get creative.</p> <p>However, you always want to think back to your target audience. </p> <p>Focus on creating content that your audience will want to engage with. </p> <h2>3. You’re confusing content with sales pitches</h2> <p>Your content shouldn’t <em>sell</em>. </p> <p>Sure, the whole purpose of marketing is to create interest in your business and drive sales. </p> <p>But you can’t start out a relationship with a potential lead with a sales pitch. </p> <p>Today’s customers don’t like being sold to. </p> <p>That’s mainly because they don’t <em>need</em> to be sold to. </p> <p>With the Internet at their fingertips, customers are more capable of discovering their options without ever needing to speak with a salesperson. </p> <p>In fact, <a href="https://research.hubspot.com/buyers-speak-out-how-sales-needs-to-evolve?_ga=2.117476169.172314530.1523832252-799600512.1516489418" target="_blank">60% of consumers</a> won’t connect with a salesperson until they’ve already created a shortlist of potential purchases.</p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/buyers-want-to-connect-with-sales.png"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/buyers-want-to-connect-with-sales.png" alt="buyers want to connect with sales" class="alignnone size-full wp-image-37046" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/buyers-want-to-connect-with-sales.png 900w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/buyers-want-to-connect-with-sales-300x200.png 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/buyers-want-to-connect-with-sales-768x512.png 768w" sizes="(max-width: 900px) 100vw, 900px" /></a></p> <p>By the time they’re ready to buy, they already know more or less what they’re looking for. </p> <p>This means you need to use your content to educate them – before you ever have the opportunity to connect. </p> <p>Your content should be specially formatted to meet the unique needs of your buyer during every stage of their journey. </p> <p>Let’s break down <a href="https://neilpatel.com/blog/content-marketing-for-startups-entrepreneurs/" target="_blank">what that journey looks like</a>. </p> <p>First, your lead needs to become aware of your brand. </p> <p>This means you need to be entertaining, engaging, or interesting enough to stand out from the piles of information already on the web. </p> <p>You can do this in the form of videos, fun blog posts, educational webinars, and engaging social posts. </p> <p>Take a look at this <a href="https://www.instagram.com/p/Bhoupirn6FQ/?hl=en&#038;taken-by=gopro" target="_blank">Instagram post from GoPro</a>. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/instagram-gopro.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/instagram-gopro.jpg" alt="instagram gopro" class="alignnone size-full wp-image-37047" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/instagram-gopro.jpg 1466w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/instagram-gopro-300x221.jpg 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/instagram-gopro-768x566.jpg 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/instagram-gopro-1024x754.jpg 1024w" sizes="(max-width: 1466px) 100vw, 1466px" /></a></p> <p>This high-quality image is attention-grabbing, causing followers to stop their scrolling and take notice. </p> <p>However, it also shows off what the GoPro is capable of – increasing awareness about the brand and its products. </p> <p>Next comes the consideration phase. </p> <p>During consideration, your audience needs to better understand their problem, as well as their available solutions. </p> <p>The content you might create for them could include product comparison videos or articles, case studies, or podcasts. </p> <p>Here’s an <a href="https://instapage.com/webinars/marketo" target="_blank">example of a webinar from Instapage</a> that would attract customers in the consideration phase. </p> <p><a href="https://blog.kissmetrics.com/wp-content/uploads/2018/05/instapage-webinar.jpg"><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/instapage-webinar.jpg" alt="instapage webinar" class="alignnone size-full wp-image-37048" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/instapage-webinar.jpg 1199w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/instapage-webinar-300x92.jpg 300w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/instapage-webinar-768x236.jpg 768w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/instapage-webinar-1024x315.jpg 1024w" sizes="(max-width: 1199px) 100vw, 1199px" /></a></p> <p>During this webinar, participants learn more about how Instapage and Marketo can help lower their cost of customer acquisition, helping them determine if it’s the right solution for them. </p> <p>This then brings the lead to the next stage of the buyer’s journey – the decision phase.</p> <p>At this time, your lead is ready to choose which product or service is right for them. </p> <p>You can encourage their decision with testimonials, product reviews, and demonstration videos. </p> <p><a href="https://www.codecademy.com/stories" target="_blank">Codeacademy uses their Stories page</a> to share how past participants have used their skills to change their lives or careers. </p> <p><img src="https://blog.kissmetrics.com/wp-content/uploads/2018/05/codecademy-video-testimonial.jpg" alt="codecademy video testimonial" class="alignnone size-full wp-image-37049" srcset="https://blog.kissmetrics.com/wp-content/uploads/2018/05/codecademy-video-testimonial.jpg 638w, https://blog.kissmetrics.com/wp-content/uploads/2018/05/codecademy-video-testimonial-300x169.jpg 300w" sizes="(max-width: 638px) 100vw, 638px" /></a></p> <p>These stories function the same as testimonials, allowing potential customers on the fence about purchasing to see how the deci How to Resolve Finances After a Death https://www.nerdwallet.com/blog/investing/how-to-handle-finances-when-someone-dies/ NerdWallet urn:uuid:5ae5ca3d-cd63-9caa-4dd3-b75e4366e3e3 Mon, 14 May 2018 18:00:47 +0000 After his mother’s death, Ken Moraif had to unravel her finances. Millions of Americans each year face a similar task, but he had a unique challenge — he had to… <p>After his mother’s death, Ken Moraif had to unravel her finances. Millions of Americans each year face a similar task, but he had a unique challenge — he had to crack a code. His mother had detailed her financial accounts in a notebook, but each password was written in code, and clues for deciphering the...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Anna-Louise Jackson is a writer at NerdWallet. Email: ajackson@nerdwallet.com. Twitter: @aljax7. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article How to Resolve Finances After a Death originally appeared on NerdWallet.</p><span data-post-id="521112"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521112" style="display: none;" data-has-syndication-rights="1" /> U.S. Bank Platinum Goes Long: 20 Months at 0% https://www.nerdwallet.com/blog/credit-cards/us-bank-platinum-20-months-zero-percent/ NerdWallet urn:uuid:795c3b94-bb3c-2662-6fb2-0a918928c661 Mon, 14 May 2018 17:34:49 +0000 The U.S. Bank Visa® Platinum Card has been a solid balance-transfer credit card for a while. But with U.S. Bank lengthening the introductory interest-free period on the card, it now has to be considered one of… <p>The U.S. Bank Visa® Platinum Card has been a solid balance-transfer credit card for a while. But with U.S. Bank lengthening the introductory interest-free period on the card, it now has to be considered one of the best in the 0% game. Learn More New cardholders get an annual percentage rate of 0% for 20 months on purchases and balance transfers, and then the...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Paul Soucy is a writer at NerdWallet. Email: paul@nerdwallet.com. Twitter: @paulsoucy. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article U.S. Bank Platinum Goes Long: 20 Months at 0% originally appeared on NerdWallet.</p><span data-post-id="521825"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521825" style="display: none;" data-has-syndication-rights="1" /> 5 Ways to Get the Best Home Equity Loan Rates https://www.nerdwallet.com/blog/mortgages/tips-get-best-home-equity-loan-rates/ NerdWallet urn:uuid:b7f4f6a0-cc78-ea3c-004c-bd2642e9f899 Mon, 14 May 2018 16:39:12 +0000 Home equity loans — which are second mortgages that allow you to borrow against your home’s value if it’s worth more than the mortgage balance — typically have fixed interest rates and are… <p>Home equity loans — which are second mortgages that allow you to borrow against your home’s value if it’s worth more than the mortgage balance — typically have fixed interest rates and are paid out in a lump sum. Though home equity loan interest rates are generally lower than rates on credit cards or personal loans, following these...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Beth Buczynski is a writer at NerdWallet. Email: bbuczynski@nerdwallet.com. Twitter: @bethbuczynski. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article 5 Ways to Get the Best Home Equity Loan Rates originally appeared on NerdWallet.</p><span data-post-id="521505"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521505" style="display: none;" data-has-syndication-rights="1" /> What Is a Financial Plan, and How Can I Make One? https://www.nerdwallet.com/blog/investing/what-is-a-financial-plan-how-can-i-make-one/ NerdWallet urn:uuid:b85b71f9-eff2-067f-c9b9-262788e536aa Mon, 14 May 2018 15:11:36 +0000 A financial plan gives you a road map for handling your money in a way that cuts stress and builds security. It’s crucial for meeting goals, such as buying a… <p>A financial plan gives you a road map for handling your money in a way that cuts stress and builds security. It’s crucial for meeting goals, such as buying a house or creating a nest egg that will last long after you’ve collected your final paycheck. You can make a financial plan yourself — even a very...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Kevin Voigt is a writer at NerdWallet. Email: kevin@nerdwallet.com. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article What Is a Financial Plan, and How Can I Make One? originally appeared on NerdWallet.</p><span data-post-id="520698"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=520698" style="display: none;" data-has-syndication-rights="1" /> What Is Identity Theft? https://www.nerdwallet.com/blog/finance/what-is-identity-theft/ NerdWallet urn:uuid:52dabfe5-21eb-a97d-1270-afcedc1a1ec9 Mon, 14 May 2018 14:03:20 +0000 Identity theft takes many forms — from a stolen Social Security card to someone taking your tax refund to a data breach at a company — but the basics are the… <p>Identity theft takes many forms — from a stolen Social Security card to someone taking your tax refund to a data breach at a company — but the basics are the same: Someone uses your personal information without your consent for financial gain. Here are the various types of identity theft. » SIGN UP: Monitor and...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Sean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article What Is Identity Theft? originally appeared on NerdWallet.</p><span data-post-id="521331"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=521331" style="display: none;" data-has-syndication-rights="1" /> 7 Air-Travel Headaches and How to Head Them Off https://www.nerdwallet.com/blog/travel/vacations-trip-planning/7-air-travel-headaches-and-how-to-head-them-off/ NerdWallet urn:uuid:9106f7fd-dee4-431c-336d-012a74022fe3 Mon, 14 May 2018 14:02:18 +0000 Unexpected fees, lack of personal space, screaming babies, scant entertainment. For most passengers today, flying is hardly a luxury experience. Seasoned travelers know the tricks for dealing with air-travel irritants, but if… <p>Unexpected fees, lack of personal space, screaming babies, scant entertainment. For most passengers today, flying is hardly a luxury experience. Seasoned travelers know the tricks for dealing with air-travel irritants, but if you’re a less-frequent flyer, here are seven of the most common headaches and how you can head them off before you get in the air. 1. The Wi-Fi is too...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Chanelle Bessette is a writer at NerdWallet. Email: cbessette@nerdwallet.com. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article 7 Air-Travel Headaches and How to Head Them Off originally appeared on NerdWallet.</p><span data-post-id="520173"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=520173" style="display: none;" data-has-syndication-rights="1" /> 5 Survival Strategies for Camping on a Budget https://www.nerdwallet.com/blog/finance/how-to-camp-on-budget/ NerdWallet urn:uuid:21e852d8-296f-dc38-3689-ee7a25be7ed0 Mon, 14 May 2018 13:04:02 +0000 Exploring nature and sleeping under the stars can be viewed as an economical vacation. But buying gear and booking campsites or renting an RV can add up. With some cost-saving… <p>Exploring nature and sleeping under the stars can be viewed as an economical vacation. But buying gear and booking campsites or renting an RV can add up. With some cost-saving strategies, camping can fit a variety of budgets, whether you’re planning a car or RV camping trip or backpacking. Try these tips to enjoy the...</p> <div class="nw-author-box-wp" data-nw-component-type-name="Author Box - WP" data-nw-component-type-slug="nw_author_box_wp"> <div class="nw-author-box-wp--inner"> <aside itemscope itemprop="author" itemtype="http://schema.org/Person" class="nw-author-box" data-nw-component-type-name="Author Box" data-nw-component-type-slug="nw_author_box"><p> Courtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. </p> </aside></div> </div> <p class="nw-originally-posted-link">The article 5 Survival Strategies for Camping on a Budget originally appeared on NerdWallet.</p><span data-post-id="513789"></span><img height="1" width="1" src="https://www.nerdwallet.com/blog/wp-content/themes/nerdwallet/assets/tracking/nw-pixel-v1.gif?post_id=513789" style="display: none;" data-has-syndication-rights="1" /> How to Use the Facebook Budget Optimization Tool for Improved Results https://www.socialmediaexaminer.com/how-to-use-facebook-budget-optimization-tool-for-improved-results/ Social Media Examiner urn:uuid:8c2cb406-65e7-faed-48a8-7ac244ec000d Mon, 14 May 2018 10:00:42 +0000 <img width="1200" height="630" src="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200.png" class="webfeedsFeaturedVisual wp-post-image" alt="" style="display: block; margin-bottom: 5px; clear:both;max-width: 100%;" srcset="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200.png 1200w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200-150x79.png 150w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200-300x158.png 300w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200-768x403.png 768w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200-1024x538.png 1024w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200-495x260.png 495w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200-770x404.png 770w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200-450x236.png 450w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200-920x483.png 920w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/facebook-budget-optimization-tool-how-to-1200-600x315.png 600w" sizes="(max-width: 1200px) 100vw, 1200px" /><p>Wondering how to allocate your budget to reach the most effective Facebook audiences? Facebook&#8217;s Budget Optimization tool uses an algorithm to automatically optimize your budget distribution across ad sets. In this article, you&#8217;ll discover what the Facebook Budget Optimization tool offers, how it works, and when you should use it. #1: Determine Initial Budget Allocations <a class="read-more" href="https://www.socialmediaexaminer.com/how-to-use-facebook-budget-optimization-tool-for-improved-results/">[...]</a></p> <p>This post <a rel="nofollow" href="https://www.socialmediaexaminer.com/how-to-use-facebook-budget-optimization-tool-for-improved-results/">How to Use the Facebook Budget Optimization Tool for Improved Results</a> first appeared on Social Media Examiner.</p> Facebook Rolls Out New Live Video Tools https://www.socialmediaexaminer.com/facebook-rolls-out-new-live-video-tools/ Social Media Examiner urn:uuid:9342da8d-4caf-1148-7dbf-4f8b2f3dbe36 Sat, 12 May 2018 10:00:16 +0000 <img width="1200" height="628" src="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18.png" class="webfeedsFeaturedVisual wp-post-image" alt="" style="display: block; margin-bottom: 5px; clear:both;max-width: 100%;" srcset="https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18.png 1200w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18-150x79.png 150w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18-300x157.png 300w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18-768x402.png 768w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18-1024x536.png 1024w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18-497x260.png 497w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18-770x403.png 770w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18-450x236.png 450w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18-920x481.png 920w, https://www.socialmediaexaminer.com/wp-content/uploads/2018/05/SME_Talk_Show_5-11-18-600x314.png 600w" sizes="(max-width: 1200px) 100vw, 1200px" /><p>Welcome to this week&#8217;s edition of the Social Media Marketing Talk Show, a news show for marketers who want to stay on the leading edge of social media. On this week&#8217;s Social Media Marketing Talk Show, we explore new Facebook Live Video tools with David Foster, new Instagram business tools with Jeff Sieh, and more <a class="read-more" href="https://www.socialmediaexaminer.com/facebook-rolls-out-new-live-video-tools/">[...]</a></p> <p>This post <a rel="nofollow" href="https://www.socialmediaexaminer.com/facebook-rolls-out-new-live-video-tools/">Facebook Rolls Out New Live Video Tools</a> first appeared on Social Media Examiner.</p>