Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.
Brian, I’ve drunk your Kool aid! Thank you for honesty and transparency – it really gives me hope. Quick question: I am beyond passionate about a niche (UFOs, extraterrestrials, free energy) and know in my bones that an authority site is a long term opportunity. The problem today is that not many products are attached to this niche and so it becomes a subscriber / info product play. However, after 25+ years as an entrepreneur with a financial background and marketing MBA, am I Internet naive to believe that my passion and creativity will win profitability in the end? The target audience is highly passionate too. Feedback?
Bank recognizes that our customers and others visiting our website have an expectation of their privacy in their dealings with us.  For these reasons, River City Bank takes security and privacy of our customer information very seriously.  You understand that in addition to information furnished pursuant to legal process, some information about your Accounts and Loans may be disclosed to others.  For example, the tax laws require disclosure to the government of the amount of the interest you earn, and some transactions, such as certain large currency and foreign transactions, must be reported to the government.  Bank may also provide information about your Accounts and Loans to persons or companies Bank believes would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written.

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.


Bank has established operating rules and security procedures for accepting payment orders, including both standard and additional procedures as set forth in Attachment A to this Wire Agreement (collectively, the “Security Procedures”). If Bank receives a Transfer request or instruction (each, a “payment order”) in accordance with the Security Procedures, it will be conclusively deemed authentic, Bank may rely on it and Bank is relieved of any and all liability in connection with the Transfer or Transfers reflected on that Transfer request, whether or not it was authorized. You are responsible for the accuracy of the initial communication of the Transfer request as well as the accuracy of any documentation or callback of the request made by Bank.
A blog highlights your technical ability and showcases your ability to write blog posts. Your blog can be about different topics than those you write about for your clients. In fact, it should be on a topic that interests you. Visitors will see that you can not only write, but you can also build an online community. A good blog has the potential to earn you many referrals for more clients.[24]

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.


Multi-vendor marketplaces, like ThemeForest, can be very successful. Chose a niche and create a vendor website for it. Your marketplace could be anything, from a platform for local artists to sell their work on, to an online digital product store. Once set up, invite people in that industry to sell their products on your site. You take a percentage of their profits when items sell.
This Electronic Funds Transfer Agreement (“EFT Agreement”) governs Electronic Funds Transfer (“EFT”) services provided by Bank to you (collectively, the “Service” in this EFT Agreement). By using the Service, you agree to the terms and conditions of this EFT Agreement and all exhibits, schedules, appendices, addenda, and other attachments hereto, which are part of this EFT Agreement. In the event of a conflict between the terms of this EFT Agreement and the terms of the Access Agreement, this EFT 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 EFT Agreement is attached.
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.

Any person identified by you in an Appointment Form, this EFT Agreement or any certification, notice or other communication delivered to Bank may receive information, communications and notices regarding the Service, and is authorized to transact all business, make all agreements and sign and deliver all documents in connection with the Services.  If the identity of such a person changes, you must promptly notify Bank in writing.  Bank will have a reasonable time after receipt of a certification, notices or other communication to act thereon.
Of the dozens of available programs online, there is a clear third choice. E-Poll provides a convenient online forum for you to express your opinions on a variety of issues that affect our daily lives. E-poll's goal is to give users an effective tool to project their voice through interactive surveys. Earn valuable reward points that can be converted to cash or traded in for gift cards and other exciting stuff. Sign up today to become an E-Poll member.

For my family. I live in New York City, but my grandchildren live in Rochester. Swagbucks helps pay for me to visit them every 3 weeks. I 'm also able to buy them gifts using Amazon gift cards, and help out with diapers and personal care items using CVS gift cards. I even use Target gift cards to help out with grocery shopping. Swagbucks has been a blessing and I can't live without it!
Now, I know what you’re thinking. Most of the software and apps you use on a regular basis are made by massive companies or established development studios. Well, yes. But many successful apps, particularly those in the Apple and Google stores, are created and marketed by individuals and small businesses. In fact, independent developers made $20 billion in the App Store in 2016 alone.
Try Uber EATS or DoorDash. Uber EATS offers part-time work that’s similar to driving for Uber or Lyft. Instead of picking up passengers, however, you will pick up food orders and deliver them in your area. Pay works similarly, letting you earn a per-job rate plus tips. Door Dash works similarly, letting consumers order food from restaurants and connecting drivers to pick up and drop off their meals.

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.


In the past, a traditional keyword strategy involved mapping a single keyword to a single web page. But the modern SEO landscape is a bit more complex—singular keywords matter less and the focus has shifted to keyword clusters. Keep this in mind when you optimize your content and ask yourself, what variations of this target keyword am I forgetting? What topics are commonly associated with my target keyword? And how do each of these keyword clusters relate to one another?
Domain name trading has been around for the last couple decades, and while most slam-dunk names have long been sold off, there’s still plenty of others that you can get your hands on for relatively cheap and broker as a way to make money online. Before you dive in, however, beware that some experts doubt the long-term viability of this idea for making money online. However, there’s always the change you might just land on a lucrative domain name for a future billion-dollar company. To get you started, here are some tips from GoDaddy, arguably the world’s largest and most famous repository of domain names.
Hey!, I’m just putting some feelers out there to see if there’s anyone interested in making a pretty substantial amount of cash in a short amount of time. Only thing this requires is that you have an active bank account or credit card in the US. No cash is required up front to start. Which means your account can be on a zero balance and that’s completely fine. There are different money deals that suit just what you want, contact 44royaltom@gmail.com
All information of a business nature relating to the assets, liabilities or other business affairs disclosed to Bank by your or your customers in connection with this Access Agreement is confidential.  Bank will not, without your express written consent, disclose or permit access to any such information by any person, firm or corporation and Bank shall cause its officers, employees, and agents to take such action as shall be necessary or advisable, to preserve and protect the confidentiality of disclosing such information to persons required to have access thereto for the performance of this Access Agreement, or to any other party to which Bank may be required by law to report such information.  You agree to hold confidential and to use only in connection with the Service provided under this Access Agreement all information furnished to you by Bank or by third parties from whom Bank has secured the right to use the Service, including, but not limited to, Bank’s product and service pricing structure, system design, programming techniques or other unique techniques.  In addition, should you at any time receive or acquire any information relating to another customer of Bank, you must promptly return such information to Bank and not reveal such information to any other party and shall not make use of such information for your own benefit.  Our and your obligations and agreements under this paragraph shall not apply to any information supplied that was known to either party prior to the disclosure by the other, or is or becomes generally available to the public other than by breach of this Access Agreement, or otherwise becomes lawfully available on a non-confidential basis from a third party who is not under an obligation of confidence to either party.  Bank will not be held liable if Bank, its employees, and agents release such information because of a reasonable belief that you have consented to such disclosure.

By and large, the more content you have, the more keywords you can cover. Corporate blogs are so popular because they are an easy way to increase your SEO footprint whilst simultaneously adding value for your buyer personas. Blogs help Google to understand what your business is about. By targeting the right keywords, optimizing for SEO and creating high-quality pieces, content marketing can be very powerful.

Guest blogging is a two-way street. In addition to posting content to other blogs, invite people in your niche to blog on your own site. They’re likely to share and link to their guest article, which could bring new readers to your site. Just be sure that you only post high-quality, original content without spammy links, because Google is cracking way down on low-quality guest blogging.
They often expect you to commit to working a certain number of hours per week, which is generally part-time. They will pay you an hourly salary for that work, so it is really more of an at home job situation than it is in an entrepreneurial way to make money online. Still, if you want to get involved in political activity, and you have the time and motivation, this could be a way to monetize that passion.

If performance of Services provided herein in accordance with the terms of this Access Agreement would result in a violation of any present or future statute, regulation or government policy to which Bank is subject, and which governs or affects the transactions contemplated by this Access Agreement, then this Access Agreement will be deemed amended to the extent necessary to comply with such statute, regulation or policy, and Bank will incur no liability to you as a result of such violation or amendment.
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.
While Etsy is fantastic for handmade goods that you’ve already created, if you’ve got killer designs that would look good on phone cases, t-shirts, or even wall hangings, pillows, and duvets, you can sell them on Society6 without paying anything to start. Society6 lets artists upload their designs and create their own shops where they choose what products their designs can be used on. That means one design can be used to make a whole range of awesome products that are printed and shipped on demand whenever someone buys from you. With top creators making thousands every month just from selling their designs.

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.
21. Facebook – Facebook swap shops are great for selling things locally. It’s like CraigsList, but a little easier. You simply search for swap shops in your area and ask to join the group. Once you’re in, take a picture of the item, write a quick description with the price and post it. It doesn’t get much easier than that. You can generally expect to get about what you would get at a yard sale, maybe a little more.
Find an audience for your passion or hobby and you’re all set to make money online doing something you love via a niche website. That of course, is easier said than done. Creating a profitable niche website takes time and is not intended for the faint of heart. But, if you can hurdle the steep challenges and positively answer a few key questions on whether the website business idea you’re thinking about is profitable, then you can begin building it and eventually monetize through advertising, affiliates, or other relevant products.
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.
Or, you could make up a fun game where the first person posts a picture illustrating their pet’s name. The next person has to guess their pet’s name based on the picture. So, if I had a dog named Spot, I might post a picture of a spot. (I did say to keep it simple!) Of course, it’s easy to guess, but it’s also fun and all you have left to do is sit back and watch the comments roll in.
This community is full of opportunities if you're a fashion-based retailer. One of the major advantages is the fact that they add links to each of the products that they feature within their outfits - the links go directly to product pages. This is the holy grail for ecommerce SEO, and the traffic those links will bring through will convert at a very high rate.
One of the reasons for a traffic drop can also be due to your site losing links. You may be seeing a direct loss of that referral traffic, but there could also be indirect effects. When your site loses inbound links, it tells Google that your site isn't as authoritative anymore, which leads to lower search rankings that in turn lead to traffic drops (because fewer people are finding your site if it's not ranked as highly and more).
As I said at the beginning of the article, more naturally earned backlinks, will help you get more organic traffic and improve SEO. You can suggest your readers to link back to your website by having a small widget at the bottom of your posts. Just as you have the social media sharing links, an embedded linking widget will increase the chances to get more backlinks.
You agree to scan and remotely deposit only items that are acceptable to Bank for deposit into a deposit account as described in the Deposit Agreement and Disclosure, which is incorporated by reference and made a part hereof. You agree to only deposit checks (“Checks” or “Items”), as that term is defined in Federal Reserve Board Regulation CC (“Reg CC”), payable to you. You understand and agree that you will not deposit Items that are issued by you or your affiliates drawn on your Accounts or affiliates’ accounts, Items prohibited by the Procedures or in violation of any law, or any Item that you suspect or should know to be fraudulent or not authorized by the legal owner of the account on which the check is drawn. You agree that you will not deposit, without Bank’s prior written consent, “substitute checks” as defined by federal law or Image Replacement Documents that purport to be substitute checks and have not been previously endorsed by a bank. If you deposit such an item, you agree to reimburse Bank for any losses, costs and expenses Bank may incur associated with warranty or indemnity claims. If you provide Bank with an electronic representation of a substitute check for deposit into your Account instead of an original check, you agree to reimburse Bank for losses, costs and expenses Bank incurs because the substitute check resulting from the electronic representation does not meet applicable substitute check standards and/or causes duplicate payments. You will not deposit foreign Items drawn on financial institutions that are located outside of the United States or Territories of the United States.
If you’re struggling to gain traction on your corporate blog, the main reason is probably that you’re falling short on one of the above ‘holy trinity’ factors. Getting two out of three right just isn’t enough. To really kickstart your blog and gain rapid growth, all three points (UX, content and domain authority) need to be outstanding and working together in harmony.
Selling digital products can be just as successful as selling physical products. Graphics, software, eBooks, design elements, sound effects, songs, and videos are just a few types of digital products that are in popular demand. So if you can turn your hand to creating digital products, let’s have a look at how you can make money online from this skill…
You will not create duplicate Images of the Items, you will not transmit a duplicate Image(s) or Files to Bank, you will not deposit or otherwise negotiate the original Item(s) from which the Image(s) was created and that no subsequent transferee, including but not limited to Bank, a collecting or returning bank, drawer, drawee, payee or endorser, will be asked to pay the original Item from which the Image(s) was created or a duplication (whether paper or electronic, including ACH entries) of the Item(s).  You will include the notation “For Mobile Deposit at River City Bank” on each Item deposited hereunder.
Headlines are one of the most important parts of your content. Without a compelling headline, even the most comprehensive blog post will go unread. Master the art of headline writing. For example, the writers at BuzzFeed and Upworthy often write upward of twenty different headlines before finally settling on the one that will drive the most traffic, so think carefully about your headline before you hit “publish.”
If you love to travel and find yourself randomly searching for airfare sales or browsing Lonely Planet, why not carve out a niche for yourself as a private travel agent? My friend, Mark Jackson did just that, making extra money online with his travel consulting side business. Start with word of mouth recommendations from friends who know they can count on you for the cheapest flights, and then move on and create a Facebook or LinkedIn group to invite people who want to stay on top of the latest deals. Eventually you could spin this into a full-time consultancy teaching people how to make their dream trip a reality.

The password that is used to gain access to Cash Management Services should also be kept confidential.  We strongly recommend that you not disclose it to others, as doing so gives the person or company to whom you have given this sensitive information the power to access and perform transactions on your Accounts or Loans.  In fact, if you make such a disclosure along with other pertinent information about your Accounts or Loans and any Service, neither we, nor you will be able to prevent that person or company from accessing or performing transactions on your Accounts or Loans whether or not you actually authorize or even know about such activity, and the access and transactions so performed will be considered authorized.  You are solely responsible for the confidentiality and use of your assigned User ID and/or passwords (a “Security Code”).  You are solely responsible for all instructions received by us through and under your Security Code.

I am too much late to commenting on this article. I want to read "How much get Organic traffic by SEO", found your your article on top & really very interesting. James Norquay, you did good research.I think Now days google block mostly SEO activities. Is this worthy for current marketing scnerio?If any other post to related strategy for increasing Organic traffic, you can reffer me.
Very true great article wanted to ask you if I could reach out to you through email about a great way to save money and make money off bills you already pay I am trying to network and help people out and reach out to people who are like minded so I don’t waste any time for anyone look forward to hearing from you. You can reach me at Fsheehy10@gmail.com and we can speak further thanks again.
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.

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.
What’s the catch? None, really. Cash back apps act as affiliates for many online merchants, which means that whenever you make a purchase through one of the apps, they get a small commission — but then, they give you a portion of that commission as “cash back”. For example, if I buy a pair of Nike shoes through the Ebates app (or website) and spend $75, Ebates may get a $10 commission but then they’ll pass $7 back to me. It’s basically a way to get sale prices on stuff that isn’t on sale!
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