Sending secure messages through the River City Bank Secure Message Center is a way to communicate with Bank.  Secure messaging is provided for you to ask questions about your Accounts or Loans and provide general feedback and is accessible by logging into the River City Bank Secure Message Center found on www.rivercitybank.com.  To ensure the security of your Account and Loan information, we recommend that you use secure messaging when asking specific questions about your Accounts or Loans.  You cannot use the Secure Message Center to initiate transactions on your Accounts or Loans.  For banking transactions, please use the appropriate functions within the cash management system or call (916) 567-2899.

No matter what method you end up using to generate an income on the web, you need to adjust your mindset to help empower you rather than discourage you. The truth? Making money online can be fraught with avoidable pitfalls. There's no shortage to the rah-rah cheers of internet marketers looking to find ways to ensure they part you from your hard-earned cash. The trick? Cancel the noise and get to the real meat and potatoes, so to speak.
9.10.2 Other than (i) nonjudicial foreclosure of security interests in real or personal property, (ii) the appointment of a receiver or (iii) the exercise of other provisional remedies, including the right of setoff (any of which may be initiated pursuant to applicable law), any controversy, dispute or claim (each, a “Claim”) between the parties arising out of or relating to this Access Agreement or any other document, instrument or agreement between Bank and the undersigned, will be resolved by a reference proceeding in California in accordance with the provisions of Section 638 et seq. of the California Code of Civil Procedure (“CCP”), or their successor sections, which shall constitute the exclusive remedy for the resolution of any Claim, including whether the Claim is subject to the reference proceeding. Venue for the reference proceeding will be in the Superior Court or Federal District Court in the County or District as set forth below (the “Court”).

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.
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.
You may be using special equipment, services or software provided by a third party to assist it or you in processing Items and Files hereunder (“Third Party”). You (i) agree that any Third Party is acting as your agent in the delivery of Items and Files to Bank, and (ii) agree to assume full responsibility and liability for any failure of that Third Party to comply with the laws, Rules or this Remote Deposit Agreement. Bank will not be liable for any losses or additional costs incurred by you as a result of any error by a Third Party or a malfunction of equipment provided by a Third Party. You must provide at least 10 days advance written notice to Bank in the event you use any such Third Party. You are solely responsible for maintaining compliance with the requirements of any Third Party, including obtaining any software updates. Bank shall not have any responsibility for any Item or File handled by a Third Party until that point in time when Bank accepts and approves an Item or File from such Third Party for processing.
For our client: We rolled out a successful implementation of rel="author" for the three in-house content writers the company had. The client had over 300+ articles made by these content writers over the years and it was possible to implement rel="author" for all the aged articles. I advise anyone who has a large section of content to do so as it will only benefit the website. We were also in the process of rolling out further schema markup to the site's course content as it only has a benefit for CTR.
Get creative with your link building strategy! There is no one way to generate links for your company—but as always, stay away from tactics that seem spammy or tactics that generate links from low-quality websites. Lastly, even if you’re tempted to, never pay for backlinks. Although it might pay off in the short-term, tactics like this will always come back to bite you in the form of a Google penalty.
The peer-to-peer concept is coming to virtually every corner of human existence. That includes the hospitality industry. Through AirBnB you can actually rent out your house for various lengths of time for a predetermined fee. That gives you an extra income on your house and gives the visitor the benefit of having an entire house, rather than being crammed into a single hotel room.
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.
Medium is an online community where anyone can post articles and essays and get them in front of their audience of millions of monthly readers. While it can be a great place to build your audience for your own blog or find customers for your consulting business, with Medium’s new Partner Program, you can now make money online whenever someone reads your articles. Register for free and you can choose whether your articles are freely available or only readable by those people paying $5/month for a premium Medium membership. You’ll make money based on the amount of people who read and engage with your posts each month.
Direct traffic is defined as visits with no referring website. When a visitor follows a link from one website to another, the site of origin is considered the referrer. These sites can be search engines, social media, blogs, or other websites that have links to other websites. Direct traffic categorizes visits that do not come from a referring URL.

Creating and selling courses on your blog can be a successful way to make money online. The course itself should be relevant to your blog, and based on a topic that will benefit your audience. Although it may take time to create the course in the first instance, once completed, you can then repeatedly make money from the course each time you sell it.
Build up a following on your Instagram account and you could quickly be making extra money online. Major brands, gear companies, and even startups are willing to shell out $500-$5,000+ per post to get in front of your audience. While it’s getting harder and harder to build a massive Instagram audience, if you already have a solid niche and are posting quality content regularly with a great camera for taking Instagram photos, with a few small tweaks you can make yourself an influencer. Check out this awesome article from Shopify on how to build and grow your Instagram following to get started.
Another tip you can use is just reach out to the prior agency and say something like the following: “We realise you were using link networks for our website which has resulted in a Google penalty and loss in business. Can you please remove my website from any link network you have built?”. If the prior agency is decent, they will remove the links from the network.
Nothing in this Positive Pay Agreement may be construed as relieving you of your normal oversight and due diligence responsibilities regarding prompt examination of Account statements and individual checks and ACH Entries to detect exceptions or irregularities outside the scope of the Service. We are not liable for any loss arising from your negligence, failure to input correct and complete information, delays or failures to meet deadlines, or your failure to exercise proper oversight or due diligence.
Now, if you don’t know people who might want your coaching services, there are a number of online tools and communities that make it incredibly easy to find clients and teach, on just about any topic area you can think of. Community driven platforms like Savvy.is, Clarity.fm, and Coach.me provide you with a network of potential clients to interact with, as well an integrated payment solution.

Next, you need to set up and build your YouTube channel. Your YouTube channel is your homebase for all your content. If you already have a Google account for Gmail or Google Drive, then you can use that to log-in to YouTube and start setting up your channel. Pick a username that works for you and is memorable (if you’re using an existing Google account you’ll have to edit your username in Google+).

As a website owner it's important to regularly review your streams of traffic. You want to be in the know if any channels are growing or declining at an unusual rate, especially when it comes to your organic traffic. So if you're interested in learning more about how we can help you increase the amount of daily visits your website receives feel free to contact us for more information about our white hat SEO services.
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.
Today, if you're at all serious about succeeding in any endeavor, whether online or offline, you have to deliver enormous amounts of value. Yes, you have to do the most amount of work for the least initial return. This is especially true online. Why? Because it takes time to build authority and create an audience, two primary ingredients necessary to succeed in the wonderful world of commerce on the web.
The title is probably the first thing you need to analyze. Find out the types of titles being used and which ones have attracted more traffic. Usually, list-based posts, “How-to” guides, and titles starting with numbers such as “X ways to” seem to grab reader’s attention instantly. List-based posts are most likely to be shared more than 100 or even 1000 times. Posts with headlines consisting of words such as “You” or “Your” also perform well.
Start a bed and breakfast. If you live in a popular resort area or own a historic property, a B&B might be the perfect side hustle. Not only can you work at home with this career, but you’ll also score some tax write-offs in the process — although most innkeepers caution that the profession requires a lot of hard work and is more of an attractive lifestyle than a money-making pursuit.

Etsy is the most popular online marketplace for handmade goods and crafts. From bracelets to phone cases, rings, furniture, and more, Etsy is perfect for anyone who is creative and wants to sell their handmade creations. As long as you have the space, this can make for one of the best ways to make money online that can be started with a very limited investment. Consider these 5 steps to starting an Etsy store, from Handmadeology.
Creating space for banner ads on your website is another way to generate a revenue from adverts. However, for this type of advertising, you will need to contact businesses directly and ask them if they would like to advertise on your website. The upside is that you can charge a set amount, or even a recurring monthly fee, to business to promote their services on your site. Using a WordPress plugin like AdSanity is an effective way to manage this type of advertising.
Offer to watch children or pets. If you know anyone who has children or pets, you could easily begin a side gig as a babysitter or pet sitter. To let people know you’re interested, send out a group email describing your services, post an ad on Facebook, or tell friends and acquaintances about your availability in person or over the phone. You can also create a profile on a babysitting referral site like Care.com.
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.
As users become more educated over time, we can see that long tailed keywords are getting more of the search results volume. read How to research long-tail keywords and to get more Visitors Through Long-Tail Search. remember, the main reason you should do that is not to draw visitors or to manipulate search engines, but to give good value and useful content for your website users.
An Authorized Agent is responsible for assigning the levels of security necessary for you.  The Authorized Agents will be required to change the initial passwords the first time they use their IDs to login into our cash management system.  It is the Authorized Agents’ responsibility to understand the security capabilities built into the Service and to assign and, as appropriate to your business and security needs, restrict access to the various applications only to those employees who have a need to know, keeping in mind the importance of separation of duties as an important way of protecting you.
Such policies, procedures, and systems must include controls that comply with the Access Agreement, this Agreement, the Rules and applicable regulatory guidelines on access to all systems used by you to initiate, process, and store Entries, including but not limited to, our cash management system. You must ensure that such policies, procedures, and controls are reviewed and approved by your board of directors or other level of responsibility within your organization that is commensurate with the importance of the subject matter.
BrightEdge research supports that a blended approach is best for delivering high performing content. Not only will combining organic and paid search increase website traffic, but it will offer a bigger return on the investment. Take Retail, Technology and Hospitality industries, for example — organic and paid search combined make up more than two-thirds of their total revenue.
Bank is not responsible for suspension of performance of all its obligations, responsibilities and covenants under this Access Agreement, whether expressed or implied, if at any time, or from time to time, compliance therewith is prevented or hindered by, or is in conflict with, any federal or state law, regulation, risk control program or rule, the order of any court of competent jurisdiction or other legal restraints, any act of God or of the public enemy, war, epidemic, strike, or work stoppages of the U. S. Postal Service or commercial carriers, or electric power disruption or shortage, telecommunications failure or computer failures; or the acts, omissions or errors of any carrier and/or agent operating between you and Bank and any Federal Reserve Bank or other agency utilized to exercise transfers, or recipients of transferred funds; or, without limiting the generality of the foregoing, or any other cause or circumstance beyond Bank’s control or other conditions or circumstances not wholly controlled by Bank and which would prohibit substantial performance under this Access Agreement.
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.

Clearly, there's a lot of demand on Amazon, and if any product is going to sell, it's going to sell well on Amazon. But the goal here is to source the right products that will easily sell at the world's largest online retailer. Generally, products between $10 and $50 sell very well here. Just be sure to do the right market research before jumping on this bandwagon.
“Appointment Form” means an Appointment of Agent and System Administrator form (or similar form approved by Bank) executed by you or on your behalf.  If the only appointment of an agent or administrator in effect is pursuant to an agreement superseded by this Access Agreement, then such appointment will remain in effect until superseded by the execution of a new Appointment Form.

You agree to notify us immediately if you discover: (a) any error or discrepancy between your records and the information we provide or make available to you about your Accounts, Loans or transactions (including information in your online transaction register or in a paper or electronic statement, printout, file, confirmation or report; (b) unauthorized transactions involving any Account or Loan; (c) a breach in the confidentiality or security of any Security Code, including a lost or stolen Security Code or unauthorized use thereof; or (d) any other problems related to Services, including unauthorized use of a Service. Please see your Deposit Agreement and Disclosure for important information about error resolution timelines and notifications that may impact your rights and obligations.


Utilize your long tail keywords: Ensure you are utilizing long tail keywords in order to be found in search engines. “Blogging tips” is too broad and the competition may be high, consider adding 3 or 5 words to your keywords such as “blogging tips for female entrepreneur.” This way they are more chances you may rank. Don’t make it too wordy. Long tail keywords are driving more traffic as people are searching for long terms. If I wanted to know more about losing weight, this could give me hundreds and thousands of results in search engines. But searching for “how to lose 5 pounds in one week” might work. And if you utilized “How to lose 5 pounds” as your keyword, I might be able to find you. 
Hi Brian, i absolutely love your content.My competitors and influence rs are very strong-most of them government bodies or supported by government, or travel guides known worldwide.I constantly follow them,get onto them.like,share,comment etc.they share photos that are submitted to them,and i do photography myself which takes hours and still can’t reach out big audience…Any idea please what could i create that my influence rs would love to share (hard to find out what they care,they get 100’s photos submitted daily and collaborate with other big names…) Please help me.
What we look for in a list like this is to identify the pages that are performing well so we can continue to capitalize on those. In this example, we see that the inventory pages are getting significant traffic, which is great, but we also see that the Team page and the Service page are both also ranking well. With this information in mind, we should revisit these pages to ensure that they are structured with the right content to perform as the visitor’s first page view, possibly their first glimpse at your business.

You may request that Bank re-present returned Items to the drawee or to process returned Items according to instructions provided by you to Bank (“Special Instructions”). These Special Instructions may be given to Bank in a separate document in conjunction with or subsequent to the execution of this Remote Deposit Agreement. Bank shall not be bound by such Special Instructions until such time as Bank has agreed in writing to accept the Special Instructions. Notwithstanding the fact that Bank has agreed to accept the Special Instructions, Bank may, in its sole discretion, disregard the Special Instructions and charge the returned Item back to your Account to which the Items were deposited. In the event that you have requested that returned Items be represented, in no event will Bank re-present an Item in excess of the limit established or permitted for the number of times that an Item may be represented by law, Rules, regulation, agreement or Operating Circular. You may change or amend the Special Instructions by providing Bank a written request to change or amend the Special Instructions. Changes or amendments to the Special Instructions shall not become effective until acknowledged and accepted in writing by Bank. You hereby agree to pay Bank the fees for processing returned Items and Special Instructions contained in Bank’s Schedule of Fees.

A meta description is the text that appears below your headline within search results. This description provides additional insight into what your blog post is about, for both the search engines and your readers. Google recently expanded the length of meta descriptions to 300 characters. If you don’t stay under this limit, your text is at risk of getting cut off.


Once you’ve gathered a list, put together a template outreach email (as you’ll be doing this over and over) that’s short and clear with expectations. Tell your potential interviewee who you are, what your podcast is about, and what you’re asking of them. Do a few test interviews with friends and family to make sure everything is being recorded at the quality you want and then book your first episode.
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.
Hi , the post is really nice , and it made me think if our current strategy is ok or not , 2 things are important " High quality content strategy " and " Good quality Links " now joining those correctly can pose some real challenges , say if we have n no of content writers who are writing for couple of websites, to be generic let’s consider , 1 writer @ 1 website . We have to write make a content strategy for in-house blog of the website to drive authentic traffic on it and a separate content strategy for grabbing  links from some authentic High PR website i.e. CS should be 2 ways , In-house / Outhouse .
Simply great and agree with your all subject...! I like the way you explained. Each heading are awesome Create the best quality content and consistently, Long tail keyword is better, Guest blog for SEO is dead, and Aha....Do not anger Google. conclusion is awesome. Hard work and Patient is best practice to see the good results in any field. Really useful and helpful post indeed. Thank you.
For our client: We were lucky enough to remove most from the prior agency outreach, we also went directly to many webmasters in which we wanted to remove links. We did not use the Disavow tool as it was not around when we completed this link cleanup, but we all know it has been said that if you are going to use the Disavow Tool to use it with caution.

Bank is not obligated to pay you interest with respect to such funds or the period between the date of debit and the date(s) on which Bank funds the related entries. In connection with the foregoing, you authorize Bank to transmit entries on behalf of you to the applicable Receiver’s account. This authorization is to remain in full force and effect until Bank has received written notice from you of your termination in such time and such manner as to afford Bank a reasonable opportunity to act upon it. You will maintain in the Account as of the Entry submission date and time immediately available funds sufficient to cover all entries you originate through Bank. Your obligation to pay Bank for each Entry matures at the time the Entry is transmitted to Bank. You acknowledge that the origination of ACH transactions to your Account must comply with the provisions of U.S. law.

In the Search Analytics you can find statistics about your clicks, impressions, CTR and position. You can find and analyze individual keywords and see which pages are ranking for those keywords. You can find new keywords that are bringing traffic to you and use them better. For example, if you have page with high CTR that don’t ranks on google first page, but still has good position, find some good keywords and build links to that page to move it into the first page. You can also discover opportunities for pages or words that get traffic that you never knew about and optimize them.


Cooper is the CEO and a co-founder of L&T Co. He is a partner of Columbia Entrepreneurship at the Columbia Startup Lab and a 2010 graduate of Columbia University (CC’10). At L&T, he oversees a growing international team that works around the clock to get clients results. He has extensive leadership and team-building experience from his time as the CMO of a real estate startup. He excels as a marketer and strategist — qualities he refined and developed as the founder of e-commerce businesses in the sports and subscription spaces. With the founding of L&T, Cooper brings these strategies and insights to companies worldwide. He participates in Princeton University’s Employer in Residence program, serves on the Columbia Startup Lab’s leadership committee, and speaks on industry panels about entrepreneurship, marketing, and startups. On occasion, he teaches web marketing at General Assembly.


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.
Add high-quality images and videos to your posts to help your readers understand them better. Additionally, images bring new opportunities to rank on Google. According to Jeff Bullas, including images in articles increases total views by over 94%. Video is even more powerful. Clearly, nobody wants to read plain text, but don’t overdo it either. The Blog Pros study of the most successful blogs demonstrates that adding one piece of visual content for every 350 words leads to the best performance. Warning: make sure your images are of high-quality and that you have the rights to share them, otherwise you’ll risk diminishing your brand integrity.
What we look for in a list like this is to identify the pages that are performing well so we can continue to capitalize on those. In this example, we see that the inventory pages are getting significant traffic, which is great, but we also see that the Team page and the Service page are both also ranking well. With this information in mind, we should revisit these pages to ensure that they are structured with the right content to perform as the visitor’s first page view, possibly their first glimpse at your business.

Etsy is the most popular online marketplace for handmade goods and crafts. From bracelets to phone cases, rings, furniture, and more, Etsy is perfect for anyone who is creative and wants to sell their handmade creations. As long as you have the space, this can make for one of the best ways to make money online that can be started with a very limited investment. Consider these 5 steps to starting an Etsy store, from Handmadeology.
Then once you’ve got your domain name and hosting sorted out, it’s time to pick a CMS, or Content Management System, that will let you update pages, build your blog and integrate with all the other services you need. It’s hard to go wrong with WordPress—the CMS powering close to a quarter of the internet. Keep in mind that eventually as you start growing traffic to your blog, you'll be wise to invest in a managed WordPress hosting plan from a company with great service like Kinsta, where all of the settings are custom-tailored and optimized to work particularly well with WordPress-powered websites.
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.
Guest blogging purely for inbound links is a flawed strategy because the value of those links are going down. However, guest blogging for traffic is still an incredibly viable strategy. While that inbound link you get at the end of a guest post doesn’t have as much SEO value as it used to, it still has the value of exposing your content to a new audience.
Brian, I recently found your blog by following OKDork.com. Just want to say you’re really amazing with the content you put out here. It’s so helpful, especially for someone like me who is just starting out. I’m currently writing posts for a blog I plan to launch later this year. I think my niche is a little too broad and I have to figure out how to narrow it down. I essentially want to write about my current journey of overcoming my fears to start accomplishing the dreams i have for blogging, business, and travel. In doing so, I will share the best tips, tools, and tactics I can find, as well as what worked, what didn’t and why.
You can earn above average rates of return because peer-to-peer lending eliminates the bank function. That means that you participate in nearly the entire interest rate being paid by the borrower, rather than the less than 1% that you will typically earn on certificates of deposit. And you can reduce your risk by investing in slices of hundreds of different loans.

Logan is a CPA with a Masters Degree in Taxation from the University of Southern California. He has been featured in publications such as Debt.com. He has nearly 10 years of public accounting experience, including 5 with professional services firm Ernst & Young where he consulted with multinational companies and high net worth individuals on their tax situations. He launched Money Done Right in 2017 to communicate modern ideas on earning, saving, and investing money. A year later, he launched Blogging Done Right to teach others how to create their own money-making blogs.
Now, this isn't about some get-rich-quick method here. If you want to get rich quick, forget about trying to do it on the internet. Sure, Facebook ads are all the craze, but without a serious understanding of the mechanics behind sales funnels and conversion optimizations, which only comes after years and years of in-the-trenches work in the internet marketing field, you're largely wasting your time trying to "get rich quick."
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