One such additional security precaution is dual control.  The term “dual control” refers to a process in which the active involvement of two people is required to complete a particular transaction.  Dual control is one of the foundations of online banking and information security because it is based upon the premise that both parties would have to be in collusion for a security breach to occur.  The system enables your Authorized Agents to set rights and privileges for your users to be initiators and/or approvers of online banking transactions.  If dual control is implemented, then a transaction requires one individual to initiate the transaction and a separate individual to approve the transaction in order for Bank to process the transaction.  Because no one security method or combination of methods is failsafe, you must ensure that your network and all computer systems are updated, protected against intrusion and otherwise administered in accord with best practices.
Do you love getting refunds? How cool would it be to get money back on stuff you’ve already bought? Paribus is a service that lets you find out if stores you’ve shopped at online owe you a refund.  It’s free to sign up. Paribus connects to your email account and checks your receipts.  If they find out a retailer has dropped their price they file a price adjustment claim for you.  Try out Paribus.
If you've developed valuable skill sets or picked up certifications within your industry over the years, offering your consulting services to local business owners can be a lucrative way to make money online. Whether you're an expert marketer, business strategist, or manufacturing aficionado, there's likely a local business owner who's willing to pay you to help them solve an issue with their company. Start with this 18-step checklist to becoming a local business consultant from Karyn Greenstreet and then use my guide to crafting an effective cold email to convince them to hire you.
For purposes of this EFT Agreement, the term “Entry” means each type of “entry” as that term is understood and used in the Automated Clearing House (“ACH”) system and the Operating Rules of the National Automated Clearing House Association (“NACHA”), and the Service and EFT transactions made or requested pursuant thereto include such Entries only and not wire transfers or other forms of electronic funds transfer.

If you need to mark more words, make them bold or use other heading tags from H2-H6. Repeating the same words many times, what is called keywords stuffing, will not help you much, it can even heart you if the SE think that the page is spam. No need to repeat words more than few times, Google and other SE are smart enough and will get the idea for what your page is about. Also don’t try to the other thing of limiting your words count, just be natural.

Sell plasma. After passing an initial screening, you can usually sell your plasma for anywhere from $25 to $50 per donation. To qualify, you’ll have to stand in a long line or show up early, be willing to fill out a very personal questionnaire, and endure a painful needle prick or two. Still, selling plasma is a great way to raise money fast – if you can stand the hassle.


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.
If you're serious about making money online, start a blog. Blogging is one of the easiest and most sustainable income sources. As long as the blog is setup the right way, in the right niche, with the right content targeted at the right audience, and the offer is complementary to the content, you could make a tremendous amount of passive income from a blog.
We can think of SEO like a cat-and-mouse-game between search engines and growthhackers. As search algorithms continue to evolve, it becomes increasingly clear that the best way to perform well is to keep the user in mind and try to offer them the highest value through your site. By focusing on the Holy Trinity Of Organic Traffic, you can make sure that you’ll never say “no one reads my blog” ever again. Therefore, your corporate blog should offer stellar UX, create high-quality and optimized content for your users, and have a high domain authority. Finally, don’t forget to leverage the best paid and free digital marketing tools for startups in order to save time and money.
Become an Amazon Associate and then use Keyword planner to find an in-demand niche: With more than a million different products to choose from and up to 10% commission the sales you drive, Amazon’s affiliate program is a great place to get started. Browse their available products and see what connects with you. Or take it a step further and use Google’s Keyword Planner to quickly check how many people are searching for a specific term. With affiliate marketing, the more relevant traffic you can pull in, the more you’ll make off your site.

Incidentally, according to a June 2013 study by Chitika, 9 out of 10 searchers don't go beyond Google's first page of organic search results, a claim often cited by the search engine optimization (SEO) industry to justify optimizing websites for organic search. Organic SEO describes the use of certain strategies or tools to elevate a website's content in the "free" search results.


My next self-funded business hit $160,000 in revenue in its first year alone. After that first taste of self-made success, I’ve gone on to sign consulting contracts worth tens of thousands of dollars with startups like LinkedIn and Google, launch profitable online courses, and build a following of hundreds of thousands for this blog and my podcast series.
Amazon Mechanical Turk is a service that lets you make money online through doing paid microtasks. Each task is something simple that requires human interaction like rating search results, checking for the right spelling on search terms, categorizing the tone of an article, or even basic translating. You can do these tasks from anywhere you want and make money online from the world’s largest e-retailer.
It’s something akin to picking stocks. You want to buy undervalued domains, and sell them later on at a higher price. For example, you can pick a domain that is out of favor, but could be related to some future event. So if you decide that the stock market is likely to crash in the future, you can buy a domain that includes the words stock market crash during a rising market, and then sell it in a falling market.

Optimise for your personas, not search engines. First and foremost, write your buyer personas so you know to whom you’re addressing your content. By creating quality educational content that resonates with you>r ideal buyers, you’ll naturally improve your SEO. This means tapping into the main issues of your personas and the keywords they use in search queries. Optimising for search engines alone is useless; all you’ll have is keyword-riddled nonsense.
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.
Write and publish an eBook. You don’t need a traditional publisher and financial backing to publish your own book anymore. In fact, Amazon.com makes it possible for you to publish your own eBook and sell it independently – with no financial investment on your part. And with Kindle eBook publishing, your book will appear on Kindle stores worldwide within 24-48 hours. Just be prepared to market it yourself on social media, your blog, or elsewhere if you expect to generate sales.
You will be given a temporary password that will give you access to Cash Management Services for your Accounts and Loans.  You will be prompted to create a new password at your first logon attempt.   This password can be changed within the cash management system using the administration menu.  We recommend that you change your password regularly and you will be prompted to change your password at least every 90 days or other interval established by Bank in its sole discretion.  Bank will act on instructions received under your password.  For security purposes, it is recommended that you memorize this password and do not write it down.  You are responsible for keeping your password, Account and Loan numbers and other Account and Loan data confidential.
How many email newsletters are you bombarded with every single day? There’s a reason for that. Marketing to an actively interested group of email subscribers is one of the best ways to make money online. There have even been million-dollar businesses built from simple email newsletters like TheSkimm, or Mister Spoils. Each newsletter targets a specific type of user with interesting, daily content, while also partnering with relevant companies and affiliates to bring in extra money. If this seems daunting, it’s not. Tools like MailChimp, ConvertKit and AWeber make it easier than ever to get started with email marketing. And another great option to consider (with the largest free plan available) is SendPulse, with their ability to send up to 15,000 emails per month to 2,500 subscribers, and then affordable plans starting at under $10/month as you grow from there.
Whatever industry you’re in, chances are there are at least one or two major conventions and conferences that are relevant to your business. Attending these events is a good idea – speaking at them is even better. Even a halfway decent speaking engagement is an excellent way to establish yourself as a thought leader in your industry and gain significant exposure for your site.
We offer a number of Services that require us to receive, process and report information involving your Accounts, Loans and transactions.  We will not be responsible for determining the accuracy, timeliness or completeness of any information that you or others provide to us.  We will not have a duty to interpret the content of any data transmitted to us, except to the limited extent set forth in this Access Agreement.  Unless otherwise agreed in writing, we will not be required (by means of any security procedure or otherwise) to detect errors in the transmission or content of any information we receive from you or third parties.

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.


To ensure accuracy, you must balance the deposit dollar amount to the sum of the Items (“Balanced File”) prior to transmitting the File in accordance with the Procedures. You may send multiple Files to Bank or Processor throughout the day. The total dollar value of the File received on any day shall not exceed the dollar amount approved by Bank (the “Deposit Limit”). If the total dollar value of the File exceeds the Deposit Limit, Bank may, at its option, refuse to accept the File that exceeds the Deposit Limit, or Bank may accept and process the File. You agree not to exceed the Deposit Limit. The Balanced File must be received by Bank no later than the cut-off time specified in Attachment A to this Remote Deposit Agreement (the “Cut-Off Time”).

Really good article with some great tips. Affiliate marketing has the potential to earn lots of money and I'm hoping I can make it happen. I have tried the matched betting and it DEFINITELY works. The one thing I would say is that you need to check that any bets have been accepted by the bookmaker. I have had on occasion bets which look like they have been accepted but don't register in my account. Always go into your account and check outstanding bets or your bet history.
People are turning to audio and visuals when it comes to technical subjects. However, you should consider doing an ebook first and turning it into an audiobook through a resource like Audible's ACX platform. You can hire a producer either through a royalty share program, so you don't have to shell out upfront cash, or you can do a pay-per-hour hire as well.
Organic is what people are looking for; the rest of these simply put things in front of people who may or may not be seeking what you offer. We know that approximately X number of people are looking for Y every day. So if we can get on front of those people, we have a much greater opportunity to create long-term relationships and increase our overall ROI.
Traffic data is a great way to take the temperature of your website and marketing initiatives. When you are writing and promoting blog content on a regular basis, you can use traffic data to track results and correlate these efforts to actual ROI. Be sure to look at traffic numbers over long-term intervals to see trends and report on improvement over time.  
I have 3 VAs. I couldn’t function without them. It doesn’t matter how big or how small a business is, they all need help running their day-to-day administrative tasks. Virtual assistants perform a variety of tasks that a traditional assistant or secretary would normally do, including making travel arrangements, paying bills, or managing expense reimbursements. I use them to upload content, optimize images, brief writers etc.
Understanding the intention of your organic visitors is the heart of search engine optimization. Before you dive into finding keywords for your website or do any other SEO hack to optimize your site, it’s worth taking a moment to determine whether your website is driving the right traffic to your site and if it really delivers what your organic visitors want.
Signing up with Google AdSense will enable you to make money from advertising on your blog. Google AdSense will place relevant ads around your site, and if your site visitors click on these ads, you will earn a fee. Although each click only amounts to small change, if your blog has high levels of traffic and lots of page views this will quickly amount to a reasonable sum.
That helped explain some of the organic traffic loss, but knowing that this client had gone through a few website redesigns, I wanted to make sure that all redirects were done properly. Regardless of whether or not your traffic has changed, if you’ve recently done a website redesign where you’re changing URLs, it’s smart to look at your top organic landing pages from before the redesign and double check to make sure they’re redirecting to the correct pages.
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In the end of the day it depends on the size of the website you are working with and how well known the brand is in the market. You can adapt some of the strategies listed above in the post on scale and it can have a highly positive impact on a web property, the property in question is a real content house so any thing is possible. What else do you suggest we should do I will advise you if it has been done already?
Bank may at any time use agents and/or independent contractors to process Entries or provide all or any other portion of the Service, and will be solely responsible for the acts and omissions of its agents and independent contractors.  However, Bank will not be deemed to be the agent of, nor responsible for the acts or omissions of any other person, including without limitation any Federal Reserve Bank, ACH, Internet service provider or transmission or communications facility, any receiver or receiving depository financial institution (including without limitation the return of an Entry by such receiver or receiving depository financial institution), and no such person will be deemed Bank’s agent.

Mobile traffic: In the Groupon experiment mentioned above, Groupon found that both browser and device matter in web analytics’ ability to track organic traffic. Although desktops using common browsers saw a smaller impact from the test (10-20 percent), mobile devices saw a 50 percent drop in direct traffic when the site was de-indexed. In short, as mobile users grow, we are likely to see direct traffic rise even more from organic search traffic.
Set up the site. Choose a website building platform, such as WordPress, Joomla or Drupal. Next, choose a domain name and web hosting for your site. The domain name is your web address. Web hosting is a service that connects your site to the internet. Once you have your domain name and web hosting, go to the control panel of your hosting account and install your website platform. Design your website by choosing and installing a theme.[9]
Guest blogging is a great way of attracting new traffic, not only from the direct traffic you’ll receive via the “call to action”, but also the increase in organic traffic. Guest blogging leads to an improved backlink portfolio as you receive links from related reputable sites. Each of these backlinks count as a “vote” for your site leading to higher search engines results page (SERP’s) rankings.
It’s an excellent opportunity to offer technical training courses that teach people how to learn a much-needed skill, or accomplish an important task. It could also prove to be an important testing ground for your educational courses. If you are able to market your course on the site, against direct competition, you may be able to direct marketing to the general public, using a website, videos, or even an affiliate marketing program.
It’s not enough to just share content through social channels – you need to actively participate in the community, too. Got a Twitter account? Then join in group discussions with relevant hashtags. Is your audience leaving comments on your Facebook posts? Answer questions and engage with your readers. Nothing turns people off quicker than using social media as a broadcast channel – use social media as it was intended and actually interact with your fans.
There are many freelance options for graphic designers who are looking to make money online. Designing layouts and graphics for promotional material, corporate reports, magazines or book covers, are all tasks that businesses are looking for online freelancers to complete. Due to its flexible nature, graphic design possibilities can range from one-off projects to ongoing work with regular clients.
Unless otherwise agreed in writing with you or Bank deems necessary to do so in its sole discretion, Bank will not originate any IAT transactions on your behalf.  If you wish to originate any ACH transaction that will be considered an IAT transaction, the transaction will need to be originated by you through another payment method such as a wire transfer or foreign draft.
If you have your own eCommerce store, social media is the perfect platform to showcase your products. Demonstrate your products in use and tell your social following why they need to buy your merchandise. Most social media channels allow you to add ‘buy’ buttons your pages, allowing your followers to easily click through to your site and make a purchase.
Ask for a raise. If you’re unhappy with your compensation at your 9-5 job, asking for a raise is one way to beef up your bank account. Most employers offer an annual review of your work – which could be the perfect time to negotiate a higher salary or ask for better perks. If your employer doesn’t offer such an opportunity, it might be time to initiate a review yourself.

You represent and warrant to Bank that the Authorized Agents are authorized by you to give instructions to Bank for Transfers and matters related to Transfers with respect to all Accounts (or, if fewer than all Accounts, the specific Accounts described on an Appointment Form).  You agree that Bank will have no liability to you or anyone claiming through you for any loss resulting, directly or indirectly, from a person representing himself or herself to be an Authorized Agent.  Any instruction which is provided by an actual or apparent Authorized Agent will be deemed correct.
This Online Wire Services Agreement (this “Wire Agreement”) governs your use of the Transfer services provided by Bank using its online cash management system (collectively, the “Service” in this Wire Agreement) in association with your Accounts (collectively, the “Account”). By using the Service, you agree to the terms and conditions of this Wire Agreement and all exhibits, schedules, appendices, addenda and other attachments hereto, which are part of this Wire Agreement. In the event of a conflict between the terms of this Wire Agreement and the terms of the Access Agreement, this Wire Agreement will control to the extent of such conflict. The terms “we,” “us,” “our,” “River City Bank,” and “Bank” refer to River City Bank. “Customer”, “you” and “your” refer to the party in whose name an Account is maintained, each signer on an Account, and all owners of that Account. The term “Access Agreement” means the Online Cash Management Access Agreement between Bank and you to which this Wire Agreement is attached.
Great article as always. My wife is about to start a business about teaching (mainly) Mums how to film and edit little movies of their loved ones for posterity (www.lovethelittlethings.com launching soon). We have always struggled with thinking of and targeting relevant keywords because keywords like ‘videography’ and ‘family movies’ don’t really some up what she is about. Your article ties in with other learnings we have come across where we obviously need to reach out to right people and get them to share to get her product out there because purely focusing on keywords I don’t think will get us anywhere.
If you have an eye for design and some experience of creating websites, then you could offer your services as a freelance web designer. You will need to create your own stylish website and have a few other projects that you can show potential clients to demonstrate your skills. You will also need to initially spend time emailing businesses to promote your services and find work.
If you're serious about making money online, start a blog. Blogging is one of the easiest and most sustainable income sources. As long as the blog is setup the right way, in the right niche, with the right content targeted at the right audience, and the offer is complementary to the content, you could make a tremendous amount of passive income from a blog.
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