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.
Customer agrees to hold Bank harmless against all claims made by Customer or others resulting from Bank’s reasonable reliance on information and data furnished by Customer or resulting from activities Bank or its agents undertake at Customer’s request, or at the request of anyone Bank believes in good faith to be an authorized agent of Customer including, without limitation, costs, reasonable attorneys’ fees incurred in connections with such claims.
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.
Hi Matt, realizing now how difficult it is to run a blog, trying to promote it and carry on with your daily activities. I would say it's a full time job. Once you thing you done learning about something, something else is coming :). My blog is about preparing for an ironman so I need to add the training on top of it. Thanks a lot for sharing this article with us so we can keep focus!!!

2. InboxDollars – InboxDollars is similar to Swagbucks, since you’re going to be taking surveys, shopping, etc., so if you want to maximize your return, sign up with both websites. They also offer a search engine that pays you (like Swagbucks) and you get $5 just for signing up.  I won’t continue to list survey sites one after another down the list, but if you want to get paid to take surveys, also check out GlobalTestMarket, E-Poll Surveys and Survey Club.
Use keyword analytics to target keywords that you can win. If your domain authority is low (Domain score <10 on SEMrush; <20 on Moz), it makes little sense to go after keywords that are already covered in good articles on the most popular sites already. Instead, try to go after long-tail keywords and hidden gems that other marketers are yet to discover or focus on.
With drop shipping, you’re effectively partnering with a manufacturer or wholesaler to sell their products. This way, you don’t pay upfront costs to buy inventory, aren’t sitting on unsold items taking up expensive warehouse space, and don’t have to deal with shipping the products yourself. You simply create your site, fill it with drop shippable products, and drive in customers, with almost everything else done for you.
Now next, you’ll want to pick a WordPress theme from somewhere like ThemeForest, Elegant Themes or OptimizePress. This is the barebones design of your site, which you can then customize with your own branding, copy, and images. That being said, you don’t want to cheap out. It costs less than $100 to buy a theme that will make your website look professional (and you can upgrade to a completely custom design once you get the business going).

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.


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.
Bank may reject any Transfer instruction without liability if you (a) failed to maintain sufficient available funds in the Account from which funds are to be debited for payment to Bank, (b) failed to pay in acceptable immediately available funds the amount of each Transfer transmitted by Bank, (c) cannot, or will not provide all information which Bank is required to obtain to comply with applicable law or regulation, including, without limitation, the Federal Bank Secrecy Act or (d) has not responded to Bank’s Optional Verification (defined below) requests or inquiries.
Customer understands that Bank may contract with third parties (each, a “Service Provider”) to provide some, all or any of the Services to be provided by Bank under this Lockbox Agreement, Customer will provide such additional documentation and written authorizations that a Service Provider may request from time to time. Customer authorizes Bank to share information with Service Providers about Customer and its principals, affiliates and customers as Bank may deem appropriate.

Sign up for a reputable affiliate network: Aside from Amazon, there are dozens of large reputable affiliate networks, such as Share-A-Sale, Clickbank, and Skimlinks, that specialize in connecting you with merchants who are looking for affiliates to sell their products. They charge relatively low commission fees for the privilege of connecting you with merchants, and the merchants on these sites tend to offer much higher commission percentages or set dollar amount payouts.
Ebay is a bellwether. It's been around since nearly the start of the online boom. But, like any other platform, success can seem fleeting if you don't know what you're doing. Selling items on eBay, professionally that is, can be an art form. Getting people interested in your auctions isn't always easy, especially when there's hefty competition and low demand for what you're selling.
In addition to other indemnification and liability provisions elsewhere in the Access Agreement and this Remote Deposit Agreement, you will be liable for, hold harmless, and will indemnify Bank and its officers, directors, shareholders, employees and agents from and against all claims of any sort by third parties or others arising out of this Remote Deposit Agreement, including all losses and expenses incurred by Bank arising out of your failure to report required changes, transmission of incorrect data to Bank, or failure to maintain compliance with the Laws and Rules.  Except for those losses caused directly by Bank’s failure to exercise ordinary care or to act in good faith, you agree to indemnify and hold Bank, its officers, directors, shareholders, agents, employees, and affiliates, and their respective officers, directors, agents and employees, harmless from and against any and all losses, costs, suits, damages, claims, liabilities and expenses (including reasonable attorneys’ fees) arising from or related in any way to (i) any Services performed in connection with this Remote Deposit Agreement, (ii) Bank’s action or inaction in accordance with or reliance upon any instructions or information received from any person reasonably believed by Bank to be your Authorized Agent or Authorized User, including any warranties or indemnities we provide to paying, depository, or other banks or to the drawer of an Item you deposit with us, (iii) your breach of any of your covenants, agreements, responsibilities, representations or warranties under this Remote Deposit Agreement, and/or (iv) your breach of applicable laws, rules or regulations.
To borrow through the bank you will typically have to gather pay slips, bank statements, or other time-consuming documentation, as well as waiting some time for approval. The MoneyMe way is different – we use secure, fast Proviso technology to obtain 90 days of bank statements online in seconds. Along with your personal details, this is all the information we need to process your loan. You can be assured we will keep all your information safe and secure.

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.
You acknowledge that the return, rejection or delayed payment of an ACH Transaction, a check or other item is subject to dispute by any of the parties involved, including the senders, payees, originators, drawers and other parties.  If a dispute arises relating to any aspect of the Services or the entries, checks or other items processed or not processed by or through the Service, we will act according to our good faith understanding of this Agreement, applicable laws, regulations and the Rules, including any attachments or appendices then in effect, as they may be amended from time to time.  You agree to indemnify and hold Bank, its officers, directors, shareholders, agents, employees and Affiliates, and their respective officers, directors, agents and employees, harmless from and against any and all losses, costs, suits, damages, claims, liabilities and expenses (including reasonable attorneys’ fees) arising from or related in any way to your use of the Service, unless such losses or costs are proven in a non-appealable court judgment to have been caused by our intentional misconduct or gross negligence.
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.
Customer agrees to pay Bank according to the fee schedule attached to this Lockbox Agreement as Attachment A. Such fees will be deducted from Customer’s Designated Fee Payment Account set forth on Attachment A on the Fee Payment Date each month. If there are insufficient funds in the Designated Fee Payment Account, then Bank may withdraw payment for fees from any of Customer’s accounts at Bank.
For our client: We took the top PPC terms based on conversion and worked these keywords into existing pages on the website. We also created new high-quality content-based pages from these conversion terms. This type of strategy can work very well in assisting overall conversions on the website and driving more revenue. We also conducted a large-scale keyword research project for the client which yielded in uncovering many areas of opportunity for content development and targeting. 
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.
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.
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.
Bank may, but is not required to, apply the additional security precautions you request not only to the Accounts and Loans of the named Customer but also to the Accounts and Loans of persons and entities treated as affiliates of the named Customer in our online system.  It is solely your responsibility to give Bank written notice of instructions to apply security procedures to Accounts and Loans in a manner different than what Bank does in the absence of such instructions.
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.
Great content. Although I disagree with ‘the best times to post’ section. It is important to understand your audience. For example, if your brand/business is in high school, there will be low engagement until 2-5 when they are out of school. I highly suggest using instagram analytics (a subsidiary of facebook analytics) which gives you all of the details on when your followers are active. https://www.facebook.com/help/788388387972460

If you do not have sufficient funds in the Account to pay disbursements, fees, or any other amounts due under this EFT Agreement at the time required, or if you refuse to pay, Bank may (a) debit any Account at Bank or the account of any of your affiliates to pay disbursements, fees or charges, or other amounts due, (b) refuse to process originating entries, in which case the liability will become your sole responsibility, (c) refuse to perform further Service, and/or (d) immediately terminate this EFT Agreement. Bank may recover from you any costs including, without limitation, reasonable attorneys’ fees and expert witnesses’ fees Bank may incur in connection with any termination of this EFT Agreement or collection of amounts due hereunder.


18. CraigsList – Some things don’t ship very well. Other things may make you feel uncomfortable to sell to someone across the country. Anytime you’re selling a large item or something you just don’t want to ship, Craigslist is a great place to go. It’s simple to list your item (again, take good pictures!). If you don’t like the idea of putting your phone number out there, the interested individual can send you a message to your inbox without even getting your email address.
In a very crowded, noisy space – entrepreneurs and small business owners with a ton of “experts and influencers.” How do I get “above the noise?” I have built up a great brand and, I think, some great content based on a boatload of practical, real-life experience. I also have some products and services that I’m trying to sell, but I remain, “all dressed up, with no place to go.” Thoughts?

If you have a background in marketing and a passion for a particular niche, then organizing a virtual event may be just up your street. A virtual event could span across a day or longer. Individual live sessions would be run by experts in the field. And conference features would include live question and answer sessions, forums, and plenty of free giveaways. Visitors to the virtual event would pay to attend, so the more effective your promotion of the event the more money you would make.

Once you've set up an alert within Mention, go to your settings and then 'Manage Notifications'. From here you can select the option to get a daily digest email of any mentions (I'd recommend doing this). You also have the option of getting desktop alerts - I personally find them annoying, but if you really want to stay on the ball then they could be a good idea.


Add meta tags. While meta tags might not boost your organic traffic directly, they do boost it indirectly. By creating better, more accurate meta tags, users will know what your pages are about when searching for specific keywords. This will reduce bounce rate and indicate to Google that your user experience is strong. Therefore, add meta title, description and slugs to your post that include the keyword and explain your post.
For my Adsense plugin which you can get here https://wordpress.org/plugins/adsense-made-easy-best-simple-ad-inserter/ I’ve created a PRO version (https://www.seo101.net/adsense-made-easy-pro/) that is available to those that sign up for my mailing list. It’s not much but it gets me 5 to 6 subscibers a day. And best of all I know exactly what my subscribers are interested in… WordPress and Adsense:)
Google claims their users click (organic) search results more often than ads, essentially rebutting the research cited above. A 2012 Google study found that 81% of ad impressions and 66% of ad clicks happen when there is no associated organic search result on the first page.[2] Research has shown that searchers may have a bias against ads, unless the ads are relevant to the searcher's need or intent [3]

Webinars are quite possibly one of the most potent ways you can make an exorbitant amount of money online. Russell Brunson often says that if you do a webinar every single week for a year, you'll be a millionaire at the end of it. You'll need an audience to train and you'll need to know what you're talking about. Of course, this usually requires having a website and some semblance of an online presence.
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.
"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.
Start by taking other courses you’re interested in: Not only is this important competitor and opportunity analysis, but it also gives you an idea of how a course could or should look and feel. What’s the pacing like? Is it via email, video, in-person chats? Once you understand how you want your course to look, it’s time to decide what it should include. Those same courses are a great starting place. How can you make your course better or more interesting? Do you have experience others don’t?
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.
CashCrate sends out literally thousands of payments a month to users just like you who spend time completing surveys and offers on CashCrate.com. How do they do it? Well, they do surveys and offers regularly. It really adds up! Your initial goal should be to meet minimum payout, which is $20.00. Making $20.00 in free cash is actually quite easy considering there are hundreds of surveys and offers available, but here are a few tips to get you to your goal faster:
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