You can send electronic mail (“email”) to us.  Since we may not receive or review it immediately, you should not rely on email if you need to communicate with us right away (e.g., to stop the payment of a check).  If you need to contact us immediately, you should contact the branch where your Account or Loan was opened in person or by telephone.  We shall have a reasonable time to act upon any email request, and reserve the right to reject any transaction or request received by email (e.g., a request to wire funds).

You agree to comply with all existing and future operating procedures used by Bank for processing of transactions. You further agree to comply with and be bound by all applicable state or federal laws, rules and regulations affecting the use of checks, drafts and ACH transactions, including but not limited to, rules and procedural guidelines established by the Federal Trade Commission (FTC), the Board of Governors of the Federal Reserve, National Check Exchange (NCE), Small Value Payments Customer (SVPCo), Viewpointe, Endpoint Exchange, Electronic Check Clearing House Organization (ECCHO) and any other clearinghouse or other organization in which Bank is a member or to which rules Bank has agreed to be bound. These laws, procedures, rules, regulations, and definitions (collectively the “Rules”) are incorporated herein by reference. In the event of conflict between the terms of this Remote Deposit Agreement and the Rules, the Rules will control the interpretation of this Remote Deposit Agreement.
However, like anything else truly worthwhile, apps require a significant investment of your time or money upfront. If you don't have the skills, then you have to hire someone who can assist you in creating a great app. But first you need to come up with an idea that will sell. Do the proper market research and analytics to come up with the right app.
My company has been working on a large link building project. We’ve already performed extensive keyword research and link analysis and now we’re considering executing an email outreach campaign. However, all the content we’ve created up until this point is geared more towards our target audience as opposed to the key influencers of our target audience. Do you think it would be worth it to try to build backlinks to our existing content or are we better off creating new content that directly appeals to the influencers of our target audience?

Google is currently been inundated with reconsideration requests from webmasters all over the world. On public holidays the Search Quality teams do not look at reconsideration requests. See below analysis. From my experience it can take anywhere from 15-30+ days for Google to respond to reconsideration requests; during peak periods it can even take longer.
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With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

Strive to write quality content with value to your readers, as people are looking for this kind of content, it will bring organic traffic to your door naturally. Search engines as people, love frequently updated and fresh content. The logic is simple, if you update your site on regular basis, it shows activity and potential for contributing to people and as consequence, search engines will crawl more your website and will reward you for that in the search results. As always, prefer good content and not spam or poor writing. The more often you write is better, at least 2 or 3 times a week may be optimal, but not many people have the time for this. You can hire a professional blogger for your web site, host guest blogs or buy articles, but be aware and check what quality you get.

Another strategy to make money online is to become a social marketing manager. Being present on social media is key for any business that wants to attract new customers, promote their products and grow their following. However, constantly posting, liking and commenting on the numerous social media channels is extremely time-consuming. More and more businesses are recruiting social media managers to run and organize all their social media. And to save money, social media employees are often employed as online freelancers.


22. Advertising – This is definitely the most old-school way of earning money with a blog. It’s also starting to become the least common way. You can sell advertising spots directly on your site or you can sign up with a company like Google AdSense or Media.net. Either way, you won’t see a whole lot of money from ads until your views are well into the thousands each day.
If you are a confident web developer then designing your own themes is an obvious path to follow if you are looking to make money online. ThemeForest sells a wide assortment of developers themes, including themes for WordPress, Shopify, Weebly, and Tumblr, to name a few. Once you have created your theme, get it accepted onto the ThemeForest marketplace and make money each time it sells.
Have a peek at the backlink profile of your competition that you’re trying to outrank. Each of the top websites they have received links from is an opportunity and should be a target of yours. It might require a comment, a guest post or something else, but explore each link to get more entries to your own backlink profile. Savvy competition might be spying on your backlinks so why not return the favour.
You agree that, if you request a Transfer of funds in a currency other than United States dollars, Bank will convert the currency at our current exchange rate for the specified foreign currency. If any funds are returned to you in a currency other than United States dollars, Bank will convert the returned foreign currency into United States dollars at its current exchange rate for such currency at the time of the return. If Bank does not have current exchange rates for the particular foreign currency involved, Bank will use commercially reasonable efforts to convert the currency promptly through reasonable commercial and/or banking channels, and you must pay Bank a reasonable fee for such services. In no event will Bank be liable to you for any losses arising from currency conversions effected by Bank in good faith within a reasonable time after receiving funds for conversion.

There are a few key pieces of information that we want to look at with Organic Traffic. The first piece of information that helps us frame the website performance is the total percentage of traffic that is organic traffic. These numbers will vary greatly based on your AdWords spend, how many email campaigns you send and many other factors. To view this figure, we want to go to the Acquisition section of your Analytics dashboard and then proceed to Channels.

Travel blogging is a hard industry to break into. However, the rewards can be worth it, and let’s face it, who doesn’t want to be paid for traveling around the world! There are numerous ways to monetize a travel blog, but affiliate marketing should predominantly be your focus. On your blog, promote hotels, tours, equipment hire services, flights, and anything else travel related. Then take a cut of the proceeds as your audience books their holidays based on your recommendations.
Being a good internet Samaritan is great and all, but how does this help you build links? Let me explain: the kind of broken links you’re looking for are found on sites relevant to your business, industry, or niche. By finding these sites and informing them of these broken links, you strike up a conversation with the site owner and give yourself the opportunity to suggest a link to your epic piece of content be added to their site.

Improving organic traffic can sometimes be challenging, but if you apply the correct SEO strategies, the hard work will eventually pay off. Search engine traffic is great because it’s relevant and targeted. For most websites, organic traffic converts much better than traffic from social media or other sources. Another great advantage is that visits from search engines are much more consistent.
Research individual companies in your desired niche: If possible, it’s always better to become an affiliate directly with a company (if they have an internal affiliate program), as no one else will be dipping into your commission rate. This is the preferred route for most of the prominent affiliate marketers, including Pat Flynn. Unfortunately, it’s also the most work, as you’ll have to do the research yourself to see who offers programs (they’re usually listed in the website footer).

Now, making money online should seem like a pleasurable activity. Why wouldn't we do just about anything to see things through, since it would be a major source of pleasure, right? Wrong. In the beginning, like anything else, we might get really excited about it. We might also set our hopes very high. But that all comes crashing down when we begin to fail.
Brian, great post as always! Question: Do you consider authority sites (industry portals) a form of “influencer marketing?” e.g. guest blogging, etc? In some niches there are not so many individuals who are influencers (outside of journalists) but there are sites that those in the industry respect. I am in the digital video space and for me one site is actually a magazine that is building a very strong digital presence. Thanks, keep up the good work!
To test these websites, you’ll be asked to visit the site in question and record your reactions and thoughts as you go through it. To get started making extra money online by testing websites, sign up for some of the most popular services like UserTesting.com, Userlytics, TryMyUI, Userfeel, TestingTime (for people outside the U.S), or Side Income Jobs.
Create high-quality, helpful, long-form content. Increasing post frequency alone isn’t enough, so don’t prioritize quantity over quality! For instance, publishing lots of brief articles is a useless strategy since the internet is already full of really good articles and in-depth guides from high domain-authority sites. In order to outrank them, your content needs to be ten times better.
Your Cash Management Services access may be canceled at any time without prior notice due to insufficient funds in one of your Accounts. After cancellation, Cash Management Services may be reinstated once sufficient funds are available in your Accounts to cover any fees and other pending transfers or debits. In order to reinstate your Services, you must call River City Bank at (916) 567-2899.
Each such Transfer will be done on the Business Day Bank receives the Drawdown Request from the Requesting Bank if the Drawdown Request is received within a reasonable time to determine whether your Accounts have sufficient available funds and to obtain access to the Federal Reserve network prior to the end of that business day. Bank may reject any Drawdown Request in excess of the collected and available balance. Requesting Bank will be notified if the request is rejected by Bank. Your obligation to pay Bank the amount of the Transfer in the event that the Fedwire message does not identify the same account of financial institution is not excused in such circumstances. With respect to incoming wire transfers that do not indicate an account number recognizable by Bank, Bank may return the wire transfer to the sending financial institution without incurring any liability.
Don't sacrifice morals for a quick buck — At the outset, you'll want to do all sorts of things to make money online, but don't sacrifice your morals for a quick buck. Not only will you put people off, but you'll lose Google's trust. You also shouldn't concern yourself with things like Adsense or other ads on a blog before you have around 100,000 visitors per day. Yes, per day. 
Build your audience on a course community: If you’re just getting started building an audience for yourself and want to leverage communities already actively looking for content you can choose to host and sell your online course on a site like Skillshare or Udemy. These are easy, cost-effective ways to build an audience and test your niche to see if there’s demand for it.
27. Sponsored/paid posts – Many blogs publish sponsored and paid posts. Sponsored posts are basically just posts about a specific brand, product or service. A company will pay you to publish an article about it. It’s similar with other paid posts as well. Your basically selling the spot for the article on your site. If you decide to take this route, you’ll want to build your traffic before you will get many offers.
5. Fiverr – Fiverr is a great place to make a few bucks or spend a few bucks if you need some of the services people offer. Basically, everything is $5. You either pay $5 or charge $5. They call them “gigs.” You can offer your services however you choose. If you sell art and you’re fine selling pieces for $5 each, that’s a gig. If you’re a graphic designer and you want to offer your services for $10/hour, simply offer a 30 minute gig. If they need two hours of graphic design, they pay you $20, or $10/hour by buying four gigs.
Similar to a YouTube vlogger, if you have a large following on Instagram then you could become an Instagram Influencer. You will be paid to promote products in your photos, from wearing certain clothes to action shots of you using particular merchandise. As your Instagram following grows, you may start out simply receiving freebies in return for a picture of you with the item in the shot. However, for those with followings running into millions, you can expect large payments to display products in your pictures. Use sites like Hype Factory to help connect you with companies prepared to pay for your influence.
For our client: We only used a smaller quantity of very high-quality link building each month. So, for example we only built 40 of the best links each month to supplement the work we were doing on the content marketing front. We also invested heavily into tracking competitor backlink profiles, using Majestic SEO and Open Site Explorer. We worked out how the competitor's acquired specific backlinks, then by using outreach and content creation we obtained these links.

There’s an excellent chance that you have one or several musical instruments sitting in storage that haven’t been used in years. Perhaps it’s a leftover from when you were in school, or even from your days playing in a band. Whatever the reason that you have it, it’s probably worth money if you can sell it. Brand-new instruments are ridiculously expensive, so people often look to buy used equipment instead, particularly if they are novices.


Love the five different area of investigation that you went over, great way to analyze and diagnosis the issue. I would also definitely agree doing a rankings comparison between the two time frames, and not only check what your Google ranking is, but also track the search volume for your keywords to see if it has fluctuated or gone down. Google Trends is a great tool for this as well, as one of your keywords that your ranking for may have just lost popularity online.
Drop shipping is another great ‘hands-off’ way to sell products. Firstly you will need to find businesses that sell products in your niche that offer a drop shipping service. Then you will need to create a website promoting and selling the products. When you make a sale, you take the payment on your site and then the manufacturer ships the goods to the buyer. The profit comes from charging a higher rate than the manufacturer, and if you are selling a high number of products this can quickly add up to a healthy revenue.
Basically, what I’m talking about here is finding websites that have mentioned your brand name but they haven’t actually linked to you. For example, someone may have mentioned my name in an article they wrote (“Matthew Barby did this…”) but they didn’t link to matthewbarby.com. By checking for websites like this you can find quick opportunities to get them to add a link.
If I have a blog that is getting 100,000 page views a month that means that I’m probably getting at least 50,000 people to the site (most blogs will do between 1.2 to 1.4 pages per session). That means I have to try and get some small percentage of those people to buy something from me if I really want to do well. If I can’t get them to buy something then (in some cases) I have ads running on the site that will make me money anyways.
Once you receive a response, it’s time to hand over the list of links and suggest your content. But remember: this isn’t a time to pitch! Instead, your response should aim to point out your content, and suggest that it might make a good addition to their page if they want to add it. By employing this method, the site owner will be far more likely to include your link as a thanks for pointing out their broken links.
It increases relevancy: Siloing ensures all topically related content is connected, and this in turn drives up relevancy. For example, linking to each of the individual yoga class pages (e.g. Pilates, Yoga RX, etc) from the “Yoga classes” page helps confirm—to both visitors and Google—these pages are in fact different types of yoga classes. Google can then feel more confident ranking these pages for related terms, as it is clearer the pages are relevant to the search query.
Customer agrees that Security Procedures described in section 6 are the only security procedures that will apply to the processing or verification of Same-Day Entries. Additional Security Procedures that may be in place for other types of ACH entries will not apply. Pursuant to sections 8.5 and 8.6 the Bank can rely solely on the instructions received.
You have agreed to our standard procedures and set forth your choices regarding the additional security procedures as set forth on Attachment A to this Wire Agreement. You have reviewed various security procedures including the foregoing and have determined that the Security Procedures best meet your requirements given the size, type and frequency of the payment orders you will issue to Bank, and agree that they are commercially reasonable. By continuing to use Bank’s Transfer Services after notice of any modification of the Security Procedures, you agree to such Security Procedures, as modified, and acknowledge that they are commercially reasonable. The Security Procedures are incorporated by reference and made part of this Wire Agreement. You agree to keep the Security Procedures confidential and to not disclose the Security Procedures to anyone except to your Authorized Agents. If you or any of your Authorized Agents have reason to believe that a Security Procedure may have been learned by an unauthorized person, you agree to notify Bank immediately by telephone and in writing. You, for yourself and each of your Authorized Agents, agree that Bank, in its sole discretion, may record any telephone conversation between you or any Authorized Agent and Bank.
Not all keywords are created equal. The most general keywords are, predictably, the shortest ones. However, long-tail keywords are structured in such a way that they can help you orient your content toward users further down the funnel. While there may be fewer of these visitors, they have a higher intent to purchase than those who search for the most general terms.

If you submit a funds transfer request which describes an intermediary financial institution, beneficiary financial institution or beneficiary by name and identifying account number, we and other financial institutions may process the request on the basis of the identifying number, rather than the name, even if the number identifies a different person, entity, account or financial institution.  We are not obligated to review any funds transfer request for inconsistencies or to confirm the correctness of any such request, except to the extent provided in this Access Agreement.


Thanks Brian for your article. I am in the healthy living niche. I want to team up with bloggers in my own niche where we can share material it makes sense to me. But I have my own unique message and that is what I have been devoted to! Dah! I see now that my focus should be on what is popular among my peers and add to this. I think I’m finally getting the picture! I am specifically into FOOD MEDICINE perhaps I should start writting about the dangers of a Gluten free diet! Not for everyone!


Rather than making money through subscriptions, YouTube channels are based on a traditional advertising system. Meaning the more viewers you get, the more you make. Once you’re approved for the YouTube Partner Program and can start including ads on your videos, with every 1,000 views, you will make approximately $2-$4. Which might not seem like a lot, but if you have 100 videos with 5,000 views a month each, that would be $1,000–$2,000 already. Just imagine if your videos start hitting millions of views!
Walk around your neighborhood or town and I’m sure you’ll see tons of great local businesses with terrible design. However, with increasingly easy-to-use tools like Adobe Illustrator, Venngage, Stencil, and Visme, just about anyone with a creative mindset and a good amount of motivation can start making money online by being a graphic designer for local companies.
One of the most beautiful and exciting qualities about blogging is that you can create a blog that deals with any subject area that you are either knowledgeable or passionate about (and preferably both!). You can write about personal finance, careers, real estate, getting into business, technology, cooking, travel, personal health, or just about any topic you choose.
In doing so, the hope is that you’ll be able to capitalize on the success of the first article while addressing a more focused issue that the first article doesn’t fully explore. For brands that are looking to stake their claim to a very specific target audience, this is a great way to participate in a larger conversation while connecting current events and trends to your specific product or service offerings.
Bank may periodically audit your technology and other systems, procedures and processes related to your use of or access to Services at any or all of your locations for the purpose of confirming your compliance with the terms of this Access Agreement, applicable laws and any agreements or rules incorporated into or referenced by this Access Agreement.  All information provided to Bank or obtained by Bank in connection with such audits is subject to the confidentiality provisions of Section 9.7 (Confidential Information and Proprietary Right in Data).  Bank may require you to implement internal controls as a condition to continuing to access or use Services.  You are solely responsible for determining whether such internal controls and continued use of Services are appropriate for your business and for complying with law.  You agree to cooperate with such audits, implement internal controls required by Bank and to promptly provide the information and access requested by Bank.
You acknowledge that under the Rules, Bank makes certain warranties with respect to each Entry. You agree to reimburse Bank for any loss Bank incurs, including its reasonable attorneys’ fees and legal expenses, as the result of a breach of a warranty made by Bank unless the breach resulted solely from Bank’s own gross negligence or intentional misconduct.
Here’s a good example of how lead sales can work in real life: My second website, Life Insurance by Jeff, brings in a ton of traffic from people who are searching the web to find answers to life insurance questions. While I used to have the website set up so I could sell these people life insurance myself, it was a lot of work to process all the different requests and clients. As a result, I started selling the leads I gathered instead.
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