Bank will process the Entries created therefrom in accordance with its then current processing schedule, provided (i) the information is approved by you and received by Bank no later than the applicable cut-off time on a banking day and (ii) the ACH is open for business on that banking day. If Bank receives approved Entries after the cut-off time, Bank will not be responsible for failure to process the Entries on that day. If any of the requirements of clause (i) or (ii) of this Subsection are not met, Bank will use reasonable efforts to process the Entries and transmit the Entries to the ACH with the next regularly scheduled file create by Bank that is on a banking day on which the ACH is open for business. Except as otherwise herein provided, in the case of an on-us entry, Bank will credit the receiver’s account in the amount of the Entry on the Effective Entry Date.
If we fail or delay in making payment or transfer pursuant to your instructions, or if we make a payment or transfer in an erroneous amount which is less than the amount per your instructions, unless otherwise required by law, our liability (if not limited by law or limited by this Access Agreement to correcting errors and otherwise as set forth above) is limited to interest on the amount which we failed to timely pay or transfer, calculated from the date on which the payment or transfer was to be made until the date it was actually made or you canceled the instructions. We may pay such interest either to you or the intended recipient of the payment or transfer, but in no event will we be liable to both parties, and our payment to either party will fully discharge any obligation to the other.  If we make a payment or transfer in an erroneous amount which exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law or the foregoing provisions of this section, our liability will be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the payment or transfer to the date of the refund, but in no event to exceed 60 days’ interest.  If we become liable to you for interest compensation under this Access Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where Bank is headquartered for each day interest is due, computed on the basis of a 365-day year (366 for a leap year).
Craft useful content for your buyer personas. The purpose of your blog should be to provide value for your target market. To understand your audience, their interests and habits, conduct some proper audience research. This will help you to write better content for them and share it on platforms where they’ll actually see it. Additionally, if you’re working with a bigger team, freelance writers or agencies, make sure to create a style guide to achieve higher consistency amongst your content, to maintain a coherent brand voice and to improve the experience for your audience.

Money can be earned and spent, saved and pilfered, invested and wasted. Not time. That's why time is far more valuable than money. The point? When you lack the luxury of time, making money online (or offline) can seem like an impossible task. How are you supposed to do that when you're working at a life-sucking nine-to-five job? While the stability of full-time employment might allow most to sleep well at night, it doesn't empower your creative juices to search for new income-producing strategies.
In addition to the Service fees, you agree to pay for all taxes, tariffs and assessments levied or imposed by any government agency in connection with the Service, this Remote Deposit Agreement, and/or the software or equipment made available to you (excluding any income tax payable by Bank). You are also responsible for the costs of any communication lines and any data processing charges payable to third parties.
Using social media: You can also use social media to grow your traffic. Add social sharing buttons to your site to make it easy for your readers to share your work. Consider joining Pinterest groups and Facebook groups to share your work. Join these 10 amazing Facebook groups to grow your Business. Social media will also help get more eyes on your new content but consider SEO for long term strategies. 
Create a training or certification program and offer online badges or certificates that recipients can embed on their own websites. For instance, if you sell email marketing software to marketing agencies, consider offering an email marketing training program. Attendees will link to your training or certification program as a way to generate more clients. This strategy helps both parties involved.
You agree that you are jointly and severally liable for all obligations to Bank arising under an Access Agreement on the part of other Bank customers who are bound by an Access Agreement and who control you, are controlled by you or are under common control with you.  For purposes of this paragraph, the term “control” means the direct or indirect ownership of 25% or more of the voting or equity securities of another person (the “controlled person”) or the possession of the power to direct or cause the direction of the management or policies of the controlled person, whether through the ability to exercise voting power, by contract or otherwise.  Entities are “under common control” if the same person exercises control over those entities.
Except as expressly set forth in this Access Agreement, the referee shall determine the manner in which the reference proceeding is conducted including the time and place of hearings, the order of presentation of evidence, and all other questions that arise with respect to the course of the reference proceeding. All proceedings and hearings conducted before the referee, except for trial, shall be conducted without a court reporter, except that when any party so requests, a court reporter will be used at any hearing conducted before the referee, and the referee will be provided a courtesy copy of the transcript. The party making such a request shall have the obligation to arrange for and pay the court reporter. Subject to the referee’s power to award costs to the prevailing party, the parties will equally share the cost of the referee and the court reporter at trial.
Open an Etsy store. If you have a creative talent or skill – whether it’s creating art, sewing clothes, or making keepsakes – you can open an online store on Etsy.com and sell your wares for some quick cash. With your own Etsy store, you’re left in charge of pricing and, ultimately, how much you make. See our detailed primer, “How to Make Money on Etsy.”
Organic traffic is the primary channel that inbound marketing strives to increase. This traffic is defined as visitors coming from a search engine, such as Google or Bing. This does not include paid search ads, but that doesn’t mean that organic traffic isn’t impacted by paid search or display advertising, either positively or negatively. In general, people trust search engines, and sayings such as “just Google it” reinforce that humans are tied to the search engine. Thus, paid search, display, or even offline campaigns can drive searches, which may increase organic traffic while those campaigns are running.
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.
You grant Bank a security interest in all Accounts to secure your obligations, indebtedness, and liabilities under this Access Agreement and under all your Loans.  Bank may place a hold on some or all funds in those Accounts during such time that Bank reasonably believes it may need to apply those funds to your outstanding or reasonably expected obligations to Bank.

Bank is not responsible for any acts or omissions of you or your Authorized Agents, including without limitation the amount, completeness, ambiguity, accuracy or timeliness of any item, request, authorization or instruction provided by you or on your behalf, or any act or omission of any other person not under Bank’s control, including without limitation, any transmission or communications facility or any of your data processors; the failure of other financial institutions to provide accurate or timely information to you or to Bank or the failure of other financial institutions to accept transactions, your negligence, inadequate security or breach of this Access Agreement.  No such person may be deemed our agent.
This is the number of views that you can test each month on your website.It's up to you how you choose to use them, either by allocating all the views to one test or to multiple test, either on one page or on multiple pages. If you have selected the 10.000 tested views plan and you run an experiment on your category page which is viewed 7000 times per month, then at the end of the month 7000 is what you'll be counted as tested views quota.
It doesn’t pay much, but if you’re a healthy person and want to make a bit of extra money online, the AchieveMint app will reward you for doing things like walking, tracking your food, or taking health surveys. AchieveMint works by connecting to fitness apps you might already be using like Fitbit, RunKeeper, Healthkit, and MyFitnessPal and then giving you points for certain actions. For every 10,000 points, you earn $10 with no limit on your earnings.

The Featured Snippet section appearing inside the first page of Google is an incredibly important section to have your content placed within. I did a study of over 5,000 keywords where HubSpot.com ranked on page 1 and there was a Featured Snippet being displayed. What I found was that when HubSpot.com was ranking in the Featured Snippet, the average click-through rate to the website increased by over 114%.
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.
This Wire Agreement will be governed by all applicable operating circulars of any Federal Reserve Bank which may handle any transaction that is the subject of this Wire Agreement and by all applicable provisions of federal law and regulation.  To the extent allowed by federal law, this Wire Agreement will also be governed by the CHIPS Rules and Administrative Procedures and the applicable rules and procedures for SWIFT and any other funds transfer or advice service or facilitator, and by the laws of any foreign nation having jurisdiction over the Transfer (or any segment thereof, to the extent of that segment only).  To the extent it is not governed by such laws, regulations, rules and other governing documents, this Wire Agreement will be governed by the laws of the state of California.  This Wire Agreement will be binding upon and inure to your benefit and Bank, and our respective successors, assigns and legal representatives.

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.
In addition to this Access Agreement, you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, our rules and regulations, the rules and regulations of any funds transfer system in which Bank participates or belongs, and applicable State and Federal laws and regulations.  We agree to be bound by them also.
To do that, you have to harbor a few fundamental guiding principles in your mind. Today, if you're at all serious about generating a full-time income (and more) from your online activities, then you need to focus on passive income as opposed to active income. Sure, the active income will help you survive. That's the scarcity mentality at play. But it's the passive income ideas that will help you thrive.
Text-based content is all well and good, but video can be a valuable asset in both attracting new visitors and making your site more engaging. Data shows that information retention is significantly higher for visual material than it is for text, meaning that video marketing is an excellent way to grab – and hold – your audience’s attention, and boost traffic to your website at the same time.
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.
If you have a new blog or a blog that is barely getting any visitors or hits, then you should consider putting more effort into your SEO learning. Organic traffic is considered to be the best and easiest way to grab visitors and readers in the long term. When your visitors search for something online and they find your blog or content, they are more likely to convert into long-term clients. Typically a client will type a search term into Google and your blog should be among the few on the first page. 
incredible post and just what i needed! i’m actually kinda new to blogging (my first year coming around) and so far my expertise has been in copy writing/seo copy writing. however link building has become tedious for me. your talk about influencing influencers makes perfect sense, but i find it difficult for my niche. my blog site is made as “gift ideas” and holiday shoppers complete with social networks. i get shares and such from my target audience, but i find that my “influencers” (i.e etsy, red box, vat19, etc.) don’t allow dofollow links and usually can’t find suitable sources. I guess my trouble is just prospecting in general.
Yep and sometimes it’s just being a little creative. I’ve started a little blog on seo/wordpress just for fun actually… no great content on it like here though… but because the competition is so tough in these niches I decided to take another approach. I created a few WordPress plugins that users can download for free from wordpress.org… and of course these link to my site so this gets me visitors each day.
If, for any reason, you should ever wish to cancel cash management Bill Payment Service, we strongly suggest that you cancel all future bill payments at the same time that you cancel your Service, either by deleting those payments yourself using the cash management system or calling River City Bank’s Customer Service at (916) 567-2899. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically cancel all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your Service has been terminated. We will continue to maintain your Accounts until you notify us otherwise.
Awesome tips Brian. Always enjoy your posts. My question is, how can I boost traffic significantly if my keyword has pretty low search volume (around 100 monthly searches based on keyword planner)? I’ve been trying to expand my keyword list to include broader terms like “customer experience” but as you know that is super competitive. Do you have any suggestions for me? Thanks in advance.
If you can find and restore items like furniture and appliances, you can make a substantial amount of money. You can acquire the items on Craigslist, or even at garage sales or estate sales, restore them, and then list them for sale on the site. You may also be able to market certain items on eBay, particularly if they are small, unusual, but high in price.
This Remote Deposit Capture Agreement (“Remote Deposit Agreement”) governs your use of the Remote Deposit Capture Service (the “Service” in this Remote Deposit Agreement) in association with your Accounts (also referred to collectively as the “Account”). By using the Service, you agree to the terms and conditions of this Remote Deposit Agreement and all exhibits, schedules, appendices, addenda and other attachments hereto, which are part of this Remote Deposit Agreement. In the event of a conflict between the terms of this Remote Deposit Agreement and the terms of the Access Agreement, this Remote Deposit 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 Remote Deposit Agreement is attached.
Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.
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.
You agree that each draw, advance and disbursement (each, an “Advance”) made under a loan, credit facility or other extension of credit (each, a “Loan”) from Bank constitutes indebtedness outstanding under that Loan and must be repaid in full if Bank made such Advance in good faith reliance on instructions or a request made by an actual or apparent Authorized Agent using our website or other online or mobile systems (such systems collectively, the “Online System”), even if the Advance was requested fraudulently, without your knowledge, inconsistently with your instructions or it was made by an unauthorized person.  You acknowledge the heightened risks you assume by allowing any person to request an Advance using the Online System.  You acknowledge that the Authorized Agents named in a Loan Advance Agreement may differ from the Authorized Agents named in an Appointment Form if you do not ensure that they are consistent.  You agree that Bank may rely on the information stated on either a Loan Advance Agreement or on an Appointment Form in evaluating whether a person is an Authorized Agent.  If there is a conflict between the terms of, or information on, (1) a Loan Advance Agreement and (2) this Access Agreement or an Appointment Form, then the terms of this Access Agreement and the Appointment Form will control for any Loan Advance that is transacted online.  You agree that you will ensure that Bank has up to date Appointment Forms and that your Loan Advance Agreements are consistent with your Appointment Forms at all times.
You agree to indemnify Bank against, and hold Bank harmless from, any and all losses, costs, damages and expenses (including reasonable attorney’s fees and costs of investigation, at trial and on appeal) arising directly or indirectly from, or relating in any manner to, (a) a breach of your warranties, representations, and/or agreements and obligations under this Access Agreement; (b) inaccurate information provided to Bank; or (c) any actions taken by Bank which were reasonably believed by Bank to be taken pursuant to this Access Agreement, including, but not limited to, actions taken by Bank to amend or cancel any of your instructions or requests or any decision by Bank to effect or not to effect a transaction as provided in this Access Agreement, or any other action taken by Bank in good faith pursuant to its responsibilities under this Access Agreement.  You agree to hold Bank harmless against all claims made by you or others resulting from Bank’s reasonable reliance on information and data furnished by you or resulting from activities Bank or its agents undertake at your request, or at the request of anyone Bank believes in good faith to be your authorized agent including, without limitation, costs, reasonable attorneys’ fees incurred in connections with such claims.  Bank will have the right to disburse or withhold any sum, which Bank is authorized to disburse or withhold.  This section will survive termination of this Access Agreement.
Research selling prices of items similar to yours. Look up completed sales or current listings of items similar to yours. Find the high- and low-end prices, and price your object around the median price level. If you want your item to sell quickly, price it at the low end. The condition of the item also affects the price. Items in poorer condition should be priced at the lower end. Also, consider how many listings there already are of items similar to yours. If many similar items will be competing with yours, you may have to set the price lower to get the sale.[28]

I’ve always been one to create great content, but now I see it may not necessarily be the right content. Can Share Triggers work for all niches including things like plumbing companies, computer repair, maybe even handy men that have a website for their business? I would say I’m estimating half the views a month as I should. Hopefully some of these strategies will help.
Pushing down a high-authority website from the top ten search results is next to impossible, especially if you are trying to promote a relatively low-authority site. If you see a high number of authoritative sites, it is better to change your focus keyword. As there were almost no authoritative sites for our focus keyword, we decided to go ahead with it.
If you’re serious about making money selling things online, it’s pretty much impossible to not recommend Shopify. The platform gives you everything you need to get your online store up and running in less than a day including a custom domain, beautiful templates (so you don’t need design skills), secure payment options, and they can even take care of marketing and shipping for you. Whether you’re promoting your own products, designs, or curating other products for people in your niche, Shopify is the best option for powering your online store.
Organic traffic is the primary channel that inbound marketing strives to increase. This traffic is defined as visitors coming from a search engine, such as Google or Bing. This does not include paid search ads, but that doesn’t mean that organic traffic isn’t impacted by paid search or display advertising, either positively or negatively. In general, people trust search engines, and sayings such as “just Google it” reinforce that humans are tied to the search engine. Thus, paid search, display, or even offline campaigns can drive searches, which may increase organic traffic while those campaigns are running.
The Featured Snippet section appearing inside the first page of Google is an incredibly important section to have your content placed within. I did a study of over 5,000 keywords where HubSpot.com ranked on page 1 and there was a Featured Snippet being displayed. What I found was that when HubSpot.com was ranking in the Featured Snippet, the average click-through rate to the website increased by over 114%.
Organic is different. Matching keywords to user intent means you may be present in many searches. The user may find you consistently, and once they get to your site, they are more likely to stay. Organic users are still your best long-term customers. In my experience, they have lower bounce rates and more pages visited, and they are more likely to return.
You or we may terminate this Access Agreement as to some or all of the Services, with or without cause, by giving 30 days prior notice to the other party. We may terminate this Access Agreement immediately if: (a) you breach any agreement with us, including agreements or rules incorporated into or referenced by this Access Agreement; (b) the confidentiality of your Security Code or other security measures is compromised; (c) we have reason to believe that an unauthorized transaction has taken or may take place involving any of your Accounts, Loans or the Service; (d) you become insolvent or the subject of a bankruptcy, receivership, or dissolution proceeding; (e) we are uncertain as to any person’s authority to give us instructions regarding your Accounts, Loans or Cash Management Services; (f) Bank has any cause to believe that you or any Authorized Agent is committing or attempting to commit an illegal or otherwise improper act, whether by means of communications covered by this Agreement or by any other means; or (g) if the volume or type of your transactions present undesirable risks to Bank in Bank’s sole discretion. Bank’s election to terminate this Access Agreement is in addition to other remedies that may be available to Bank, and will not affect any obligation you may have to Bank arising prior to such termination. Any reinstatement of Services under this Access Agreement will be at Bank’s sole discretion and must be agreed upon in writing by an authorized representative of Bank. The termination of this Access Agreement shall not affect the rights or obligations of the parties existing prior to termination. All provisions in this Access Agreement relating to indemnification or reimbursement of Bank, security interests and account holds, limitations on liability, judicial reference, choice of law, venue, jurisdiction, severability, the recoverability of attorney’s fees and this termination section will all survive termination of this Access Agreement, in whole or in part.
“In conclusion, this research illuminates how content characteristics shape whether it becomes viral. When attempting to generate word of mouth, marketers often try targeting “influentials,” or opinion leaders (i.e., some small set of special people who, whether through having more social ties or being more persuasive, theoretically have more influence than others). Although this approach is pervasive,recent research has cast doubt on its value (Bakshy et al. 2011; Watts 2007) and suggests that it is far from cost effective. Rather than targeting “special” people, the current research suggests that it may be more beneficial to focus on crafting contagious content. By considering how psychological processes shape social transmission, it is possible to gain deeper insight into collective outcomes, such as what becomes viral.”
Amber Kemmis is the VP of Client Services at SmartBug Media. Having a psychology background in the marketing world has its perks, especially with inbound marketing. My past studies in human behavior and psychology have led me to strongly believe that traditional ad marketing only turns prospects away, and advertising spend never puts the right message in front of the right person at the right time. Thus, resulting in wasted marketing efforts and investment. I'm determined to help each and every one of our clients attract and retain new customers in a delightful and helpful way that leads to sustainable revenue growth. Read more articles by Amber Kemmis.

Thanks Jure. That actually makes sense. Exactly: I’ve tested lowering the number of tips in a few posts and it’s helped CTR/organic traffic. One thing to keep in mind is that the number can also be: the year, time (like how long it will take to find what someone needs), % (like 25% off) etc. It doesn’t have to be the number of tips, classified ads, etc.
Running and charging for webinars can be a great way to build a following in your niche, demonstrate that you are an expert in your field, and make a profit. Hosting a webinar can be hard work. They need to first be promoted, provide original and valuable information, and include interactive elements so your audience can ask questions and engage with your topic. However, once you have built up a large blog following, each webinar can be extremely profitable.
It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

You agree that any intermediary bank or beneficiary bank that assists in the processing of your payment order may charge a fee for processing your order.  Bank has no control over these fees and is not responsible for these fees.  These fees may be deducted by the intermediary bank or beneficiary bank from the amount to be credited to the beneficiary of your Transfer or, in the case of Transfers into Bank, deducted from the amount sent to you.
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.
At your request, Bank will make a reasonable effort to reverse an Entry, but will have no responsibility for the failure of any other person or entity to honor your request. This EFT Agreement requires the Originators of reversing entries to provide the Receiver with notice of and the reason for the transmission of a reversing Entry to the Receiver’s account. This notice must be provided no later than the settlement date of the reversing Entry.
You may also designate authorized representative in your company who may access your banking files.  Through our online banking cash management, the authorized representatives you designate will be able to access account information by entering a cash management ID and password.  Each authorized representative can only review and perform certain functions on the business accounts designated by you.
Since time is the most precious commodity on this earth, invest the time at the front-end so that you can reap the benefits on the back-end. This means putting in a bit of sweat equity and not getting paid today. Rather, you'll get paid somewhere down the road. And you'll continue getting paid whether you keep building that passive income stream or you stop. It's obvious that this is the preferred route, but clearly the road less traveled.
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