Wednesday, October 27, 2010

Making Money Online With






SportsWatch: Can a successful football player also be a sucessful web cartoonist? John Williams is making that play…


The junior, who returned to the field last Saturday against Miami and will play Saturday at Virginia Tech, has been finishing new strips every couple of weeks, drawing inspiration from coaches, teammates and his experiences on the field.


JobWatch: Does MTVGeek need a new editor already?


ThiefWatch: Have you seen these $125 copies of Kramer’s Ergot #7, both stolen at APE?


GalleryWatch: Michael Golden has an exhibition of work opening today at the Mosely Gallery at the University of Maryland Eastern Shore until December.


SigningWatch1: Californian signings for the new Fantagraphics book RIP M.D.  with creator Mitch Schauer, inker Mike Vosburg and color artists Michael Lessa and Justin Yamaguchi are happening tonight from 6-7.30pm at Borders Glendale  tomorrow at 1.30pm at Hi De Ho Comics in Santa Monica.


SigningWatch2: Tomorrow Jill Thomson will be signing her new Halloween HC Scary Godmother collection from 2pm to 5pm at Pittsburgh Comics in McMurray.


This is The Bleeding Cool ComicChron Robot speaking. I come for your women. But for now I merely collate comic-related bits and pieces online. One day I will rule. Until that day, read on.


Exclusive: First look at ‘The Walking Dead’ issue 81


Though many of the book’s fearful elements have come from its still-human participants, with issue No. 81, due in January 2011, there’s no mistaking the book’s real stars: the zombies. (No offense to Glenn, at left, and Heath, but they seem to have their hands full.)


Legion of Super-Heroes: Election


Computo will tally the votes between the polling period of OCTOBER 20 and NOVEMBER 10.


@Cully_Hamner and @KurtBusiek Debate the Constitution


And that it constitutional meaning can’t be hung upon specific, individual words. Sheesh!


DC Comics Hero, Superman, Gets Own Slot At Online Casinos


CryptoLogic has signed a deal with DC Comics that will allow the software provider to develop games based on some of the most popular comic book figures of all-time. The Superman slot is one that online players have been waiting for since the deal was struck. The game features Superman, of course, but has much more detail than what one would expect. First off, the game has fifty pay lines. This comes at a time when the slot games are becoming more advanced, and increased pay line slots are becoming the norm at online casinos. Superman also comes with an optional bonus bet in which players can take the chance to win additional money on their wins. The bonus is similar to what casinos have done with blackjack in the past couple of years.


Hellboy Action Hero Gets Slot At Virgin Games


Virgin Casino, part of the leading online gaming company — Virgin Games, has today announced the launch of Hellboy, a brand new slot from leading online game developer, Microgaming. Hailing from Mike Mignola”s most coveted imaginative comic action hero of the nineties, ”Hellboy”, this latest game is a featured slot with 5 reels and 20 playlines. Licensed from Dark Horse Comics, the slot features many of the iconic characters from the original comic book, such as Prof. Trevor Bruttenholm, Johann Krause, Abe Sapien, Liz Sherman and all the others, led by the stone-fisted and de-horned red demon-for-good himself.




To summarize an hour of dialogue, you should at some point have a product that your readers will want. You should give a lot of free content away, but even when it comes to content, you can charge for some amount, and if your content is good enough, people will pay for the premium stuff. "You can tell them about ninety percent, and they'll pay money just to get the final ten percent," so they know they have the whole picture, Clark says.



Making money blogging will not happen overnight. Sometimes it may seem like this is possible, but in reality, it takes a lot of work. "Build something that is real and something that matters to people," Rowse advises. He shared a story about how he launched a product one day and literally watched the sales roll in. It was as if he had hit a button, and the cash just started flowing, but then he realized he had been working hard up to that point for over two years, promoting the blog, writing two posts a day, doing SEO, press releases, etc. It wasn't overnight. 



You're not scalable, meaning that as your audience grows and more people want to connect with you, there will be a point where it just becomes too much. You have to set boundaries, otherwise you will have no time for yourself and your family. 



Eventually, you're going to have to "get real" about how many meaningful connections you can make in a day, Simone says, adding, "That's part of growing up in social media.”



When they say "no one actually wants that much authenticity," they mean that nobody cares about what you did last night, who you were with, what you had for breakfast, etc. In other words, don't show everybody everything about yourself, because you're not writing for you. You're writing for them. Be who you want to be for your audience. 



Ultimately, you're blogging and using social media to sell, but you can't just go around selling to people, because they won't have it. It just doesn't work. You have to make them want to buy. "You're selling yourself," says Clark. If you provide enough value to your audience, they will want to buy what you have to offer if it expands upon the value you're already giving them. "The content is the marketing," he says. 



Just having a blog is not a business. If you want it to be a business you have to treat it like one, Rowse says. This is basically an extension of number 2. 



The most important of the seven points is that no one is reading your blog. As Simone says, there are hundreds of millions of blogs, and that includes blogs on your topic. You have to write it in a way that is fresh, and either entertaining or informative. The good news is that you don't need "monster traffic". You just need a good, steady core audience for advertising to do well. 


Nevada Voters Complain Of Problems At Polls - Las Vegas <b>News</b> Story <b>...</b>

LAS VEGAS -- Some voters in Boulder City complained on Monday that their ballot had been cast before they went to the polls, raising questions about Clark County's electronic voting machines. Tuesday, October 26, 2010.

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...


bench craft company complaints
bench craft company complaints

Infolinks logo by pmt2009


Nevada Voters Complain Of Problems At Polls - Las Vegas <b>News</b> Story <b>...</b>

LAS VEGAS -- Some voters in Boulder City complained on Monday that their ballot had been cast before they went to the polls, raising questions about Clark County's electronic voting machines. Tuesday, October 26, 2010.

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...


bench craft company complaints bench craft company complaints





SportsWatch: Can a successful football player also be a sucessful web cartoonist? John Williams is making that play…


The junior, who returned to the field last Saturday against Miami and will play Saturday at Virginia Tech, has been finishing new strips every couple of weeks, drawing inspiration from coaches, teammates and his experiences on the field.


JobWatch: Does MTVGeek need a new editor already?


ThiefWatch: Have you seen these $125 copies of Kramer’s Ergot #7, both stolen at APE?


GalleryWatch: Michael Golden has an exhibition of work opening today at the Mosely Gallery at the University of Maryland Eastern Shore until December.


SigningWatch1: Californian signings for the new Fantagraphics book RIP M.D.  with creator Mitch Schauer, inker Mike Vosburg and color artists Michael Lessa and Justin Yamaguchi are happening tonight from 6-7.30pm at Borders Glendale  tomorrow at 1.30pm at Hi De Ho Comics in Santa Monica.


SigningWatch2: Tomorrow Jill Thomson will be signing her new Halloween HC Scary Godmother collection from 2pm to 5pm at Pittsburgh Comics in McMurray.


This is The Bleeding Cool ComicChron Robot speaking. I come for your women. But for now I merely collate comic-related bits and pieces online. One day I will rule. Until that day, read on.


Exclusive: First look at ‘The Walking Dead’ issue 81


Though many of the book’s fearful elements have come from its still-human participants, with issue No. 81, due in January 2011, there’s no mistaking the book’s real stars: the zombies. (No offense to Glenn, at left, and Heath, but they seem to have their hands full.)


Legion of Super-Heroes: Election


Computo will tally the votes between the polling period of OCTOBER 20 and NOVEMBER 10.


@Cully_Hamner and @KurtBusiek Debate the Constitution


And that it constitutional meaning can’t be hung upon specific, individual words. Sheesh!


DC Comics Hero, Superman, Gets Own Slot At Online Casinos


CryptoLogic has signed a deal with DC Comics that will allow the software provider to develop games based on some of the most popular comic book figures of all-time. The Superman slot is one that online players have been waiting for since the deal was struck. The game features Superman, of course, but has much more detail than what one would expect. First off, the game has fifty pay lines. This comes at a time when the slot games are becoming more advanced, and increased pay line slots are becoming the norm at online casinos. Superman also comes with an optional bonus bet in which players can take the chance to win additional money on their wins. The bonus is similar to what casinos have done with blackjack in the past couple of years.


Hellboy Action Hero Gets Slot At Virgin Games


Virgin Casino, part of the leading online gaming company — Virgin Games, has today announced the launch of Hellboy, a brand new slot from leading online game developer, Microgaming. Hailing from Mike Mignola”s most coveted imaginative comic action hero of the nineties, ”Hellboy”, this latest game is a featured slot with 5 reels and 20 playlines. Licensed from Dark Horse Comics, the slot features many of the iconic characters from the original comic book, such as Prof. Trevor Bruttenholm, Johann Krause, Abe Sapien, Liz Sherman and all the others, led by the stone-fisted and de-horned red demon-for-good himself.




To summarize an hour of dialogue, you should at some point have a product that your readers will want. You should give a lot of free content away, but even when it comes to content, you can charge for some amount, and if your content is good enough, people will pay for the premium stuff. "You can tell them about ninety percent, and they'll pay money just to get the final ten percent," so they know they have the whole picture, Clark says.



Making money blogging will not happen overnight. Sometimes it may seem like this is possible, but in reality, it takes a lot of work. "Build something that is real and something that matters to people," Rowse advises. He shared a story about how he launched a product one day and literally watched the sales roll in. It was as if he had hit a button, and the cash just started flowing, but then he realized he had been working hard up to that point for over two years, promoting the blog, writing two posts a day, doing SEO, press releases, etc. It wasn't overnight. 



You're not scalable, meaning that as your audience grows and more people want to connect with you, there will be a point where it just becomes too much. You have to set boundaries, otherwise you will have no time for yourself and your family. 



Eventually, you're going to have to "get real" about how many meaningful connections you can make in a day, Simone says, adding, "That's part of growing up in social media.”



When they say "no one actually wants that much authenticity," they mean that nobody cares about what you did last night, who you were with, what you had for breakfast, etc. In other words, don't show everybody everything about yourself, because you're not writing for you. You're writing for them. Be who you want to be for your audience. 



Ultimately, you're blogging and using social media to sell, but you can't just go around selling to people, because they won't have it. It just doesn't work. You have to make them want to buy. "You're selling yourself," says Clark. If you provide enough value to your audience, they will want to buy what you have to offer if it expands upon the value you're already giving them. "The content is the marketing," he says. 



Just having a blog is not a business. If you want it to be a business you have to treat it like one, Rowse says. This is basically an extension of number 2. 



The most important of the seven points is that no one is reading your blog. As Simone says, there are hundreds of millions of blogs, and that includes blogs on your topic. You have to write it in a way that is fresh, and either entertaining or informative. The good news is that you don't need "monster traffic". You just need a good, steady core audience for advertising to do well. 


bench craft company complaints

Nevada Voters Complain Of Problems At Polls - Las Vegas <b>News</b> Story <b>...</b>

LAS VEGAS -- Some voters in Boulder City complained on Monday that their ballot had been cast before they went to the polls, raising questions about Clark County's electronic voting machines. Tuesday, October 26, 2010.

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...


bench craft company complaints bench craft company complaints

Nevada Voters Complain Of Problems At Polls - Las Vegas <b>News</b> Story <b>...</b>

LAS VEGAS -- Some voters in Boulder City complained on Monday that their ballot had been cast before they went to the polls, raising questions about Clark County's electronic voting machines. Tuesday, October 26, 2010.

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...


bench craft company complaints bench craft company complaints

Nevada Voters Complain Of Problems At Polls - Las Vegas <b>News</b> Story <b>...</b>

LAS VEGAS -- Some voters in Boulder City complained on Monday that their ballot had been cast before they went to the polls, raising questions about Clark County's electronic voting machines. Tuesday, October 26, 2010.

FAIR Blog » Blog Archive » Juan Williams, Fox <b>News</b> Liberal

It's not totally clear what he means by that, but Williams does a pretty good job as a Fox News Liberal-- i.e., someone willing to attack left-liberal groups and leaders while doing very little to promote an actual left-leaning ...

<b>News</b> Article “ « Climate Science: Roger Pielke Sr.

October 26, 2010...2:01 pm. News Article “. There was a news article today in the Boulder Camera by Laura Snider titled. Boulder scientists: Space tourism could contribute to climate change. The article includes the text ...


bench craft company complaints bench craft company complaints

Tuesday, October 26, 2010

Making Money Online Scams


An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.



The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.



The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.

Fox <b>News</b> Poll: GOPer Raese Leads By Two Points In WV-SEN | TPMDC

The new Fox News poll of the West Virginia Senate race has Republican businessman John Raese holding on to a narrow lead against Democratic Gov. Joe Manchin.

Debian Project <b>News</b> - July 26th, 2010

Debian Day in New York, MiniDebConf in India, Debian Installer beta1, Debian Podcast, how to attract more users?

&quot;Xbox 2&quot; game WarDevil canned Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of. ... "Xbox 2" game WarDevil canned Related content. Latest WarDevil: Unleash the Beast Within screenshots; News WarDevil trailer set for Tokyo ; News Digi-Guys shows off gorgeous Xbox 2 war game ...


bench craft company complaints
bench craft company complaints

500dayproof by j91romero


Fox <b>News</b> Poll: GOPer Raese Leads By Two Points In WV-SEN | TPMDC

The new Fox News poll of the West Virginia Senate race has Republican businessman John Raese holding on to a narrow lead against Democratic Gov. Joe Manchin.

Debian Project <b>News</b> - July 26th, 2010

Debian Day in New York, MiniDebConf in India, Debian Installer beta1, Debian Podcast, how to attract more users?

&quot;Xbox 2&quot; game WarDevil canned Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of. ... "Xbox 2" game WarDevil canned Related content. Latest WarDevil: Unleash the Beast Within screenshots; News WarDevil trailer set for Tokyo ; News Digi-Guys shows off gorgeous Xbox 2 war game ...


bench craft company complaints bench craft company complaints

An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.



The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
An online marketer who lured consumers into a bogus work-at-home scheme that charged them hidden fees by masquerading as a Google company has been shut down by the Federal Trade Commission.



Under a settlement agreement with the FTC, the defendants, which did business under names such as "Google Money Tree," "Google Pro," and "Google Treasure Chest," are barred from making misleading or unsupported claims while marketing or selling any product or service, and have been forced to surrender cash and other assets exceeding $3.5 million.



The defendants also are forbidden from marketing products via "negative option" transactions ­– a classic marketing scheme in which companies use fine print to trick victims into unwittingly agreeing to pay for a product or service for which they are billed on a regular basis until they cancel.



The FTC first took action against the defendants, Infusion Media, Inc., West Coast Internet Media, Inc., Two Warnings, LLC and Two Part Investments, LLC, in July 2009 as part of "Operation Short Change," an ongoing crackdown against scammers taking advantage of the recession to prey upon vulnerable consumers.



By using Google's household name and logo and falsely promising consumers could earn $100,000 in six months, the defendants lured consumers into providing their financial information to pay a small shipping fee for a work-at-home kit, according to the complaint.



What consumers didn't realize, thanks to the fine print, was that purchasing the useless work-at-home kit automatically triggered monthly charges of $72.21 for another product which continued until they took steps to cancel.



The complaint charged that the defendants violated the FTC Act by failing to adequately disclose that consumers would be subjected to monthly charges; by making false or unsupported claims that consumers were likely to earn substantial income; and by falsely claiming they were affiliated with Google Inc.



The defendants also violated the Electronic Fund Transfer Act and Regulation E by debiting consumers' bank accounts on a recurring basis without obtaining written authorization, the FTC charged.



The settlement includes a $29.5 million penalty against defendants Jonathan Eborn; Michael McLain Miller; Tony Norton; Infusion Media, Inc.; West Coast Internet Media, Inc.; Two Warnings, LLC; Two Part Investments, LLC; and Platinum Teleservices, Inc. A fourth defendant, Stephanie Burnside, is subject to a $741,900 fine.



The defendants have relinquished cash and other assets including two cars, a boat and a gun collection totaling approximately $3.5 million. The remaining $26 million has been suspended due to the defendants' inability to pay, but the full $29.5 million will be due if it's found the defendants lied about their finances.
bench craft company complaints

Fox <b>News</b> Poll: GOPer Raese Leads By Two Points In WV-SEN | TPMDC

The new Fox News poll of the West Virginia Senate race has Republican businessman John Raese holding on to a narrow lead against Democratic Gov. Joe Manchin.

Debian Project <b>News</b> - July 26th, 2010

Debian Day in New York, MiniDebConf in India, Debian Installer beta1, Debian Podcast, how to attract more users?

&quot;Xbox 2&quot; game WarDevil canned Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of. ... "Xbox 2" game WarDevil canned Related content. Latest WarDevil: Unleash the Beast Within screenshots; News WarDevil trailer set for Tokyo ; News Digi-Guys shows off gorgeous Xbox 2 war game ...


bench craft company complaints bench craft company complaints

Fox <b>News</b> Poll: GOPer Raese Leads By Two Points In WV-SEN | TPMDC

The new Fox News poll of the West Virginia Senate race has Republican businessman John Raese holding on to a narrow lead against Democratic Gov. Joe Manchin.

Debian Project <b>News</b> - July 26th, 2010

Debian Day in New York, MiniDebConf in India, Debian Installer beta1, Debian Podcast, how to attract more users?

&quot;Xbox 2&quot; game WarDevil canned Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of. ... "Xbox 2" game WarDevil canned Related content. Latest WarDevil: Unleash the Beast Within screenshots; News WarDevil trailer set for Tokyo ; News Digi-Guys shows off gorgeous Xbox 2 war game ...


bench craft company complaints bench craft company complaints

Fox <b>News</b> Poll: GOPer Raese Leads By Two Points In WV-SEN | TPMDC

The new Fox News poll of the West Virginia Senate race has Republican businessman John Raese holding on to a narrow lead against Democratic Gov. Joe Manchin.

Debian Project <b>News</b> - July 26th, 2010

Debian Day in New York, MiniDebConf in India, Debian Installer beta1, Debian Podcast, how to attract more users?

&quot;Xbox 2&quot; game WarDevil canned Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of. ... "Xbox 2" game WarDevil canned Related content. Latest WarDevil: Unleash the Beast Within screenshots; News WarDevil trailer set for Tokyo ; News Digi-Guys shows off gorgeous Xbox 2 war game ...


bench craft company complaints bench craft company complaints

Friday, October 22, 2010

internet marketing

While presenting Tuesday at Pivot Conference, Scott Brinker, president and CTO of ion interactive, explained why he believes organizations should take the next step toward digital proficiency by fostering a new breed of executives — the chief marketing technologist. Brinker explains this type of executive as:

“… someone who has a hybrid between business and technology, a strong background in engineering and IT, is an early adopter of technology, but someone who also understands the pragmatic realities of scaling technology. But most importantly, someone who brings those skills and combines them with a deep love and passion for the marketing mix. This is a technologist that reports to the CMO, not the CIO.”

Traditionally, organizations silo functions into categories — communications, finance, creative, operations, and of course, marketing and technology, to name a few. Brinker’s case for the Chief Marketing Technologist has legs, especially as marketing and technology functions are becoming increasingly intertwined. Your company may have seasoned marketers and top-of-the-line technologists, but it takes those who are dually knowledgeable in both marketing and technology to really make the right moves in class='blippr-nobr'>Internetclass="blippr-nobr">Internet marketing, as they are the ones who really understand the way the web works and what’s possible for marketing from a technological point of view.

Below are three missions that Brinker believes a Chief Marketing Technologist would be uniquely poised to tackle. We caught up with Brinker after his presentation and he elaborated on each of these points. Read on to see what he had to say and add your thoughts in the comments below.

1. Translating Strategy into Technology

The first mission for a chief marketing technologist should be to “collaborate with the CMO on translating strategies into technology with much higher fidelity, and vice-versa — also help in revealing new opportunities that technologies provide for new strategies,” Brinker said.

In our follow-up, Brinker explained the importance of having a middle ground between marketing and technology, in particular due to the lack of cohesion between marketing and tech jargon. “One of the challenges we see between marketing and the people who provide technology to marketers, whether it’s the IT department or outside vendors,” he said, “is that marketers have a certain language and nomenclature that they use to communicate their vision. And vice-versa, technologists spend years learning their lingo and perspective on the world.

“The idea of a marketing technologist is someone who’s natively versed in both languages and understands the concepts of what’s in technology and what’s in marketing, and they can serve as the translator,” he concluded.

2. Choreographing Technology Across Marketing

“Choreograph the entire collection of marketing, technology and data that we see throughout the organization. Find ways to tap the synergy between all of these different components,” Brinker suggested.

We asked Brinker what this might entail for a chief marketing technologist, including the type of data that he was referencing. He explained, “All of this technology that’s popping up all over marketing — web analytics, marketing automation, advertising behavioral segmentation — are all fairly sophisticated on their own. The problem is that behind the scenes, they don’t talk very well together. It’s not because the products can’t talk together — it’s because there isn’t really anyone connecting the dots.”

The effect of not having someone like a marketing technologist to bridge the gap between various data banks is an overload of inefficiently used data. “I think what we’re seeing here is more and more data,” Brinker said, “that there’s no one really finding ways of taking data from the web analytics, for instance, and feeding that into our conversion optimization testing. How do we take the experiences someone has on a conversion optimization path and feed that into the marketing optimization system?”

3. Infusing Tech into the Company’s Marketing DNA

“Perhaps most importantly, is to infuse technology into the DNA of marketing itself — our practices, our people, our culture,” Brinker said.

He recommended “having people on your team, in your group that have physical proximity to you who really get the technology, because they’re as eager to hear from you about marketing objectives and strategies, [as they are] to talk about what they’re doing in technology.”

Brinker explained that having technology-versed team members on a team helps facilitate “natural osmosis by raising the [level of] technical proficiency and familiarity” of an organization. He believes that a marketing technologist’s role is to seek out marketing candidates who have technical backgrounds. Employing tech-savvy people is a step toward infusing technology into a company’s culture and DNA.

Does your company support a position similar to Brinker’s proposed chief marketing technologist? If so, let us know in the comments.

See Brinker’s full presentation from the Pivot Conference below:

Digital marketing budgets are expected to increase steadily during the next few years, according to Datran Media’s Annual Marketing & Media Survey, which reaches out to more than 5,000 marketing executives from Fortune 500 brands, top publishers, and leading advertising and media agencies.

This is good news for those of you hoping to break into the digital marketing industry. Whether you’re passionate about search, affiliate, social media, or another area of marketing, there are a few things you can do to prove your worthiness to prospective employers.

We asked five industry insiders about their top tips for aspiring digital marketers. Find their suggestions below and add your own in the comments.

1. Get Hands-On Marketing Experience

A degree in marketing or communications can take you a distance, but most employers are looking for candidates with marketing experience, whether that’s from a previous job, internship or side project. If you already have work experience in the marketing world, congratulations. For the rest of you, internships or other projects will be key.

“Any hands-on involvement with campaign creation, analytics, or optimization can be extremely beneficial to aspiring digital marketers,” says Traci Kuiphoff, online marketing manager at BareNecessities.com. “If you’re in school or a recent grad, the best way to gain experience is to do an internship at a company or agency that has a department or focus in online or digital marketing. Not only do you get real world hands-on experience, but it’s also great to put on your resume when you’re ready for a full-time position.”

If you are in college, look for paid or for-school-credit marketing internships at your college’s job fairs, via job search sites, and on social media sites. You could even land your next gig through Twitter.

If you don’t land an internship or find a position of interest, create your own project or enter a marketing contest. While studying marketing and international business at NYU Stern’s Undergraduate School of Business, a classmate and I entered the John Caples Student Campaign of the Year contest and created a digital marketing campaign for Pentel. Our campaign included a mix of digital, social and direct marketing communications, along with thoroughly gathered success metrics. Not only did we win first place, which included summer internships and a cash prize, but we also met industry experts who have acted as mentors to us.

2. Know the Lingo

Being able to analyze marketing campaigns and understand what worked or didn’t is the key role of a digital marketer — in order to do that, you’ll need to know (and love) the industry jargon.

“Understanding metrics on the web is key,” says Naishi Zhang, assistant marketing manager at Barnes & Noble. “The Internet provides so many ways of analyzing user behavior, and knowing how to gather and interpret data is important for success. Read widely and learn the lingo, so when someone asks about the CTR of a banner ad or the number of page views a landing page received, you’ll be ready.”

Mastering marketing terminology and metrics, and knowing what they mean, will take time and practice, but you can get a basic knowledge by picking up a marketing 101 textbook or attending an introductory course. Check out local college or continuing education courses. If that isn’t an option, the class='blippr-nobr'>Internetclass="blippr-nobr">Internet is at your disposal. About.com’s glossary of marketing terms and HubSpot’s glossary of social media marketing terms are both very useful for beginners, and you should also read some of the top marketing blogs to get your daily fill of information.

3. Nurture Your Personal Online Presence

Rick Bakas, director of social media marketing at St. Supéry Vineyards and Winery said he believes a person’s online presence can be a major deciding factor on whether an aspiring digital marketer makes the cut for a job. “If an employer is deciding between two candidates,” he notes, “they might go with the person with the strong following online. Build your personal brand online. You have to show you can build your personal brand if you’re going to build someone else’s.”

Your personal brand is value-added in the job market.

“Your online clout is sometimes referred to as ’social currency,’” he continues. “In other words, there’s a value associated with your online personal brand. Increased value carries as much weight as a great resume. A high Klout.com score for example, will help you stand out and validate what your resume says about you.”

Your Klout score is a number between 0 and 100 that measures the size of your engaged audience, the likelihood that they will amplify your messages, and your overall influence within your network. Bigger isn’t always better. Bakas explains, “Aspiring marketers would do well to grow an engaged online following, not necessarily a large online following. Again, Klout.com is a great tool to evaluate the strength of your online presence.”

4. Dabble in Everything, Specialize in Something

There isn’t just one career path in marketing. You can choose to work for an agency, with an in-house team, or start your own firm. There are multiple marketing disciplines, including affiliate, search, social media, e-mail, mobile, and display marketing, to name a few. Teams come in all sizes — some in which teammates specialize in certain areas, and others where a team can be composed of just one stellar know-it-all.

The best way to get a taste of all of the options is to dabble in a bit of everything. “Digital marketing agency experience can be extremely valuable — at an agency you can be exposed to all avenues of digital marketing from paid search, social media, mobile and everything in between,” Kuiphoff advises. ”Most likely, you’ll touch a number of different accounts which can help you choose a vertical focus or specialty.”

Once you have a base knowledge in each area of marketing, you’ll be better equipped to choose a more specific path of focus. Having a specialty enables you to hone your skills in that area and become an expert, which is a valuable asset to potential employees.

5. Attend Industry Meetups and Conferences

“Put the ’social’ in social media and spend time engaging with people in the real world,” Bakas says. “Go to lots of events to create or nurture quality interactions that can later continue online. Use plancast.com to see which upcoming events are worth going to. These experiences are ripe with opportunities to meet other digital marketers. The strongest relationships are the ones nurtured online and offline.”

Kuiphoff adds, “Digital marketing conferences not only provide a great networking opportunity, but most offer in-depth workshops that can enhance your skill set.”

Some worthwhile conferences to consider include SXSW, Search Marketing Expo, Web 2.0 Expo, Ad Age Digital Conference, ad:tech, Search Engine Strategies and Pivot.

If you’re not into the hustle and bustle of industry conferences, you can consider a more toned-down approach by attending or organizing your own Meetups. There are thousands of marketing Meetups around the world. The NY Entrepreneurs Business Network and San Francisco Entrepreneur Meetup are two of the largest.

6. Keep a Pulse on the News

Because of the nature of the Internet, digital marketing is ever-changing. If you don’t keep up with the latest trends and news, it shows in interviews and on the job. Sarah Hofstetter, SVP of emerging media and client strategy at digital marketing agency 360i, says it well:

“Remember that standing still is going backwards. Yes, it’s an adage that has been used for years to inspire ambition, but it is blatantly obvious in the digital landscape. Not only does that technology evolve at a lightening pace that transcends Moore’s law, but consumer behavior is shifting at a radical pace, and media consumption becomes more and more fragmented.

“Being on top of consumer behavior –- understanding what they’re doing online, what motivates them and their social and mobile behavior –- and staying ahead of that by learning what’s in the market and what’s on the come, will help ensure you don’t get stuck on the sidelines when interviewing for jobs in digital marketing.”

Kuiphoff recommends subscribing to industry blogs and newsletters to stay on top of the latest news. Some of my personal favorites include Ad Age, ClickZ, eMarketer, BrandWeek and AdWeek.

7. Get Technical

You won’t be coding programs or building full websites as a digital marketer, but you will need to work with developers and designers or other web specialists to communicate your marketing design needs. A basic knowledge of how the web works, HTML, and one or two programming languages, such as class='blippr-nobr'>PHPclass="blippr-nobr">PHP, JavaScript, CSS and Ruby, will help you understand the current boundaries and opportunities that will affect your marketing campaigns.

“It’s important for anyone working in the digital world, whether it’s marketing or designing features for a product, to have a basic understanding of coding,” suggests Dharmishta Rood, a research assistant at Harvard Business School and fellow at the Center for Future Civic Media at MIT. “There are great experiential benefits from understanding the underlying technologies that shape what we do online — it’s easier to understand how users can interact with content, what is possible for design with things like CSS and JavaScript, and understand the nuances of basic technical terminology.”

8. Perfect Your Resume

Everyone needs a resume; what you do with it is up to you. To help you stand out, here are a few tips from our digital marketing experts:

  • “Demonstrate that you can produce results and work in a fast-paced environment, whether you’ve had previous digital experience or not. Don’t be afraid to include things about yourself that may not be directly related to the job. Resumes get scanned quickly, so it always helps to inject something creative and clever.” — Naishi Zhang, assistant marketing manager, Barnes & Noble
  • “One way you can make your resume stand out is to get certified. class='blippr-nobr'>Googleclass="blippr-nobr">Google has a certification program for Adwords. If you have a paid search marketing focus this can help assure a client/employer that you’re proficient in the system.” — Traci Kuiphoff, online marketing manager, BareNecessities.com
  • “I’m a big believer in making sure your resume is on LinkedInclass="blippr-nobr">LinkedIn, and to have recommendations on LinkedIn. Start asking for recommendations soon. LinkedIn is like your digital resume. Make sure the facts match up. Also, Google your name to see what comes up — your prospective employers will.” — Rick Bakas, director of social media marketing, St. Supéry Vineyards and Winery
  • “Use keywords to describe your previous experience that make sense for the specific job you’re applying for — if the job description or department does ’social media outreach’ and your description of all those Twitterclass="blippr-nobr">Twitter @replies, Facebookclass="blippr-nobr">Facebook messages and moderated blog post comments is currently called ‘customer service,’ this does not play up your strengths as a digital marketer. Use common sense though. If their keywords don’t match your experience, don’t write anything untruthful, and consider doing things to get the types of experience for the jobs you want, such as volunteering to help with the social media of a non-profit whose cause you support.” — Dharmishta Rood, research assistant, Harvard Business School

To showcase your skills alongside multimedia and other online assets, check out some digital alternatives to the paper resume, including video resumes, VisualCVs, social resumes and LinkedIn profiles.

9. Let Curiosity and Passion Drive You

“Sure, it’s great to know about Facebook, iAds and whatever is coming next from Silicon Valley,” Hofstetter points out, “but when we’re looking for key talent at 360i, nothing matters to us more than intellectual curiosity and passion…In a business where answers and solutions aren’t always obvious, you need to be innately curious (about everything) and obsessed with the ‘why’ behind the ‘what.’ ”

It may sound cheesy at first, but she has a point. Without inquisitiveness and zeal, we’re just work drones on a mission to take over the Internet. Plus, these traits have a positive effect on the way we work, Hofstetter says:

“People who have these qualities can innovate and identify trends from seemingly ordinary data — they’re the first to try new things (platforms, tools, technology) and think about how marketers can benefit from them. They don’t always have the answers, but when you’re being asked to do never-been-done-before things, there isn’t a rulebook. That’s why when we’re recruiting, we look for people who know how to ask the right questions.

10. Unplug for Your Sanity

Staring at a computer screen all day long can take a toll on your body, mind and social life. Get away from that monitor and breathe for crying out loud!

Bakas advocates getting out every once in a while to work on who you are as a person outside of work. “Because transparency is important, it’s important to be a good person in the real world,” he says. “It’ll translate into the digital world — you can’t fake being a good person if you’re a jerk in real life. Unplug for your own sanity, but also to continue growing as a person in life.”

I second that. Now, get out of here and get a job.

Digital Marketing Job Listings

Every week we put out a list of social media and web job opportunities. While we post a huge range of job listings, we’ve selected some of the best digital marketing jobs from the past two weeks to get you started. Happy hunting!

  • Digital Strategist at Vladimir Jones in Colorado Springs, CO.
  • Brand Manager at sweetgreen in Washington, DC.
  • Director of Digital Strategy at DeVries Public Relations in New York, NY.
  • Marketing Manager/Director at BreakoutBand in Brooklyn, NY.
  • Sr. Marketing Manager at WOWIO in Los Angeles, CA.

More Job Search Resources from Mashable

- 5 Tips for Aspiring Social Media Marketers/> - 10 Tips For Aspiring Community Managers/> - 5 Tips for Aspiring Copywriters and Art Directors/> - HOW TO: Land a Career in Digital Public Relations/> - Top 5 Tips for Aspiring Music Bloggers

Image courtesy of RICEinteractive; iStockphotoclass="blippr-nobr">iStockphoto, track5

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eric seiger eric seiger

While presenting Tuesday at Pivot Conference, Scott Brinker, president and CTO of ion interactive, explained why he believes organizations should take the next step toward digital proficiency by fostering a new breed of executives — the chief marketing technologist. Brinker explains this type of executive as:

“… someone who has a hybrid between business and technology, a strong background in engineering and IT, is an early adopter of technology, but someone who also understands the pragmatic realities of scaling technology. But most importantly, someone who brings those skills and combines them with a deep love and passion for the marketing mix. This is a technologist that reports to the CMO, not the CIO.”

Traditionally, organizations silo functions into categories — communications, finance, creative, operations, and of course, marketing and technology, to name a few. Brinker’s case for the Chief Marketing Technologist has legs, especially as marketing and technology functions are becoming increasingly intertwined. Your company may have seasoned marketers and top-of-the-line technologists, but it takes those who are dually knowledgeable in both marketing and technology to really make the right moves in class='blippr-nobr'>Internetclass="blippr-nobr">Internet marketing, as they are the ones who really understand the way the web works and what’s possible for marketing from a technological point of view.

Below are three missions that Brinker believes a Chief Marketing Technologist would be uniquely poised to tackle. We caught up with Brinker after his presentation and he elaborated on each of these points. Read on to see what he had to say and add your thoughts in the comments below.

1. Translating Strategy into Technology

The first mission for a chief marketing technologist should be to “collaborate with the CMO on translating strategies into technology with much higher fidelity, and vice-versa — also help in revealing new opportunities that technologies provide for new strategies,” Brinker said.

In our follow-up, Brinker explained the importance of having a middle ground between marketing and technology, in particular due to the lack of cohesion between marketing and tech jargon. “One of the challenges we see between marketing and the people who provide technology to marketers, whether it’s the IT department or outside vendors,” he said, “is that marketers have a certain language and nomenclature that they use to communicate their vision. And vice-versa, technologists spend years learning their lingo and perspective on the world.

“The idea of a marketing technologist is someone who’s natively versed in both languages and understands the concepts of what’s in technology and what’s in marketing, and they can serve as the translator,” he concluded.

2. Choreographing Technology Across Marketing

“Choreograph the entire collection of marketing, technology and data that we see throughout the organization. Find ways to tap the synergy between all of these different components,” Brinker suggested.

We asked Brinker what this might entail for a chief marketing technologist, including the type of data that he was referencing. He explained, “All of this technology that’s popping up all over marketing — web analytics, marketing automation, advertising behavioral segmentation — are all fairly sophisticated on their own. The problem is that behind the scenes, they don’t talk very well together. It’s not because the products can’t talk together — it’s because there isn’t really anyone connecting the dots.”

The effect of not having someone like a marketing technologist to bridge the gap between various data banks is an overload of inefficiently used data. “I think what we’re seeing here is more and more data,” Brinker said, “that there’s no one really finding ways of taking data from the web analytics, for instance, and feeding that into our conversion optimization testing. How do we take the experiences someone has on a conversion optimization path and feed that into the marketing optimization system?”

3. Infusing Tech into the Company’s Marketing DNA

“Perhaps most importantly, is to infuse technology into the DNA of marketing itself — our practices, our people, our culture,” Brinker said.

He recommended “having people on your team, in your group that have physical proximity to you who really get the technology, because they’re as eager to hear from you about marketing objectives and strategies, [as they are] to talk about what they’re doing in technology.”

Brinker explained that having technology-versed team members on a team helps facilitate “natural osmosis by raising the [level of] technical proficiency and familiarity” of an organization. He believes that a marketing technologist’s role is to seek out marketing candidates who have technical backgrounds. Employing tech-savvy people is a step toward infusing technology into a company’s culture and DNA.

Does your company support a position similar to Brinker’s proposed chief marketing technologist? If so, let us know in the comments.

See Brinker’s full presentation from the Pivot Conference below:

Digital marketing budgets are expected to increase steadily during the next few years, according to Datran Media’s Annual Marketing & Media Survey, which reaches out to more than 5,000 marketing executives from Fortune 500 brands, top publishers, and leading advertising and media agencies.

This is good news for those of you hoping to break into the digital marketing industry. Whether you’re passionate about search, affiliate, social media, or another area of marketing, there are a few things you can do to prove your worthiness to prospective employers.

We asked five industry insiders about their top tips for aspiring digital marketers. Find their suggestions below and add your own in the comments.

1. Get Hands-On Marketing Experience

A degree in marketing or communications can take you a distance, but most employers are looking for candidates with marketing experience, whether that’s from a previous job, internship or side project. If you already have work experience in the marketing world, congratulations. For the rest of you, internships or other projects will be key.

“Any hands-on involvement with campaign creation, analytics, or optimization can be extremely beneficial to aspiring digital marketers,” says Traci Kuiphoff, online marketing manager at BareNecessities.com. “If you’re in school or a recent grad, the best way to gain experience is to do an internship at a company or agency that has a department or focus in online or digital marketing. Not only do you get real world hands-on experience, but it’s also great to put on your resume when you’re ready for a full-time position.”

If you are in college, look for paid or for-school-credit marketing internships at your college’s job fairs, via job search sites, and on social media sites. You could even land your next gig through Twitter.

If you don’t land an internship or find a position of interest, create your own project or enter a marketing contest. While studying marketing and international business at NYU Stern’s Undergraduate School of Business, a classmate and I entered the John Caples Student Campaign of the Year contest and created a digital marketing campaign for Pentel. Our campaign included a mix of digital, social and direct marketing communications, along with thoroughly gathered success metrics. Not only did we win first place, which included summer internships and a cash prize, but we also met industry experts who have acted as mentors to us.

2. Know the Lingo

Being able to analyze marketing campaigns and understand what worked or didn’t is the key role of a digital marketer — in order to do that, you’ll need to know (and love) the industry jargon.

“Understanding metrics on the web is key,” says Naishi Zhang, assistant marketing manager at Barnes & Noble. “The Internet provides so many ways of analyzing user behavior, and knowing how to gather and interpret data is important for success. Read widely and learn the lingo, so when someone asks about the CTR of a banner ad or the number of page views a landing page received, you’ll be ready.”

Mastering marketing terminology and metrics, and knowing what they mean, will take time and practice, but you can get a basic knowledge by picking up a marketing 101 textbook or attending an introductory course. Check out local college or continuing education courses. If that isn’t an option, the class='blippr-nobr'>Internetclass="blippr-nobr">Internet is at your disposal. About.com’s glossary of marketing terms and HubSpot’s glossary of social media marketing terms are both very useful for beginners, and you should also read some of the top marketing blogs to get your daily fill of information.

3. Nurture Your Personal Online Presence

Rick Bakas, director of social media marketing at St. Supéry Vineyards and Winery said he believes a person’s online presence can be a major deciding factor on whether an aspiring digital marketer makes the cut for a job. “If an employer is deciding between two candidates,” he notes, “they might go with the person with the strong following online. Build your personal brand online. You have to show you can build your personal brand if you’re going to build someone else’s.”

Your personal brand is value-added in the job market.

“Your online clout is sometimes referred to as ’social currency,’” he continues. “In other words, there’s a value associated with your online personal brand. Increased value carries as much weight as a great resume. A high Klout.com score for example, will help you stand out and validate what your resume says about you.”

Your Klout score is a number between 0 and 100 that measures the size of your engaged audience, the likelihood that they will amplify your messages, and your overall influence within your network. Bigger isn’t always better. Bakas explains, “Aspiring marketers would do well to grow an engaged online following, not necessarily a large online following. Again, Klout.com is a great tool to evaluate the strength of your online presence.”

4. Dabble in Everything, Specialize in Something

There isn’t just one career path in marketing. You can choose to work for an agency, with an in-house team, or start your own firm. There are multiple marketing disciplines, including affiliate, search, social media, e-mail, mobile, and display marketing, to name a few. Teams come in all sizes — some in which teammates specialize in certain areas, and others where a team can be composed of just one stellar know-it-all.

The best way to get a taste of all of the options is to dabble in a bit of everything. “Digital marketing agency experience can be extremely valuable — at an agency you can be exposed to all avenues of digital marketing from paid search, social media, mobile and everything in between,” Kuiphoff advises. ”Most likely, you’ll touch a number of different accounts which can help you choose a vertical focus or specialty.”

Once you have a base knowledge in each area of marketing, you’ll be better equipped to choose a more specific path of focus. Having a specialty enables you to hone your skills in that area and become an expert, which is a valuable asset to potential employees.

5. Attend Industry Meetups and Conferences

“Put the ’social’ in social media and spend time engaging with people in the real world,” Bakas says. “Go to lots of events to create or nurture quality interactions that can later continue online. Use plancast.com to see which upcoming events are worth going to. These experiences are ripe with opportunities to meet other digital marketers. The strongest relationships are the ones nurtured online and offline.”

Kuiphoff adds, “Digital marketing conferences not only provide a great networking opportunity, but most offer in-depth workshops that can enhance your skill set.”

Some worthwhile conferences to consider include SXSW, Search Marketing Expo, Web 2.0 Expo, Ad Age Digital Conference, ad:tech, Search Engine Strategies and Pivot.

If you’re not into the hustle and bustle of industry conferences, you can consider a more toned-down approach by attending or organizing your own Meetups. There are thousands of marketing Meetups around the world. The NY Entrepreneurs Business Network and San Francisco Entrepreneur Meetup are two of the largest.

6. Keep a Pulse on the News

Because of the nature of the Internet, digital marketing is ever-changing. If you don’t keep up with the latest trends and news, it shows in interviews and on the job. Sarah Hofstetter, SVP of emerging media and client strategy at digital marketing agency 360i, says it well:

“Remember that standing still is going backwards. Yes, it’s an adage that has been used for years to inspire ambition, but it is blatantly obvious in the digital landscape. Not only does that technology evolve at a lightening pace that transcends Moore’s law, but consumer behavior is shifting at a radical pace, and media consumption becomes more and more fragmented.

“Being on top of consumer behavior –- understanding what they’re doing online, what motivates them and their social and mobile behavior –- and staying ahead of that by learning what’s in the market and what’s on the come, will help ensure you don’t get stuck on the sidelines when interviewing for jobs in digital marketing.”

Kuiphoff recommends subscribing to industry blogs and newsletters to stay on top of the latest news. Some of my personal favorites include Ad Age, ClickZ, eMarketer, BrandWeek and AdWeek.

7. Get Technical

You won’t be coding programs or building full websites as a digital marketer, but you will need to work with developers and designers or other web specialists to communicate your marketing design needs. A basic knowledge of how the web works, HTML, and one or two programming languages, such as class='blippr-nobr'>PHPclass="blippr-nobr">PHP, JavaScript, CSS and Ruby, will help you understand the current boundaries and opportunities that will affect your marketing campaigns.

“It’s important for anyone working in the digital world, whether it’s marketing or designing features for a product, to have a basic understanding of coding,” suggests Dharmishta Rood, a research assistant at Harvard Business School and fellow at the Center for Future Civic Media at MIT. “There are great experiential benefits from understanding the underlying technologies that shape what we do online — it’s easier to understand how users can interact with content, what is possible for design with things like CSS and JavaScript, and understand the nuances of basic technical terminology.”

8. Perfect Your Resume

Everyone needs a resume; what you do with it is up to you. To help you stand out, here are a few tips from our digital marketing experts:

  • “Demonstrate that you can produce results and work in a fast-paced environment, whether you’ve had previous digital experience or not. Don’t be afraid to include things about yourself that may not be directly related to the job. Resumes get scanned quickly, so it always helps to inject something creative and clever.” — Naishi Zhang, assistant marketing manager, Barnes & Noble
  • “One way you can make your resume stand out is to get certified. class='blippr-nobr'>Googleclass="blippr-nobr">Google has a certification program for Adwords. If you have a paid search marketing focus this can help assure a client/employer that you’re proficient in the system.” — Traci Kuiphoff, online marketing manager, BareNecessities.com
  • “I’m a big believer in making sure your resume is on LinkedInclass="blippr-nobr">LinkedIn, and to have recommendations on LinkedIn. Start asking for recommendations soon. LinkedIn is like your digital resume. Make sure the facts match up. Also, Google your name to see what comes up — your prospective employers will.” — Rick Bakas, director of social media marketing, St. Supéry Vineyards and Winery
  • “Use keywords to describe your previous experience that make sense for the specific job you’re applying for — if the job description or department does ’social media outreach’ and your description of all those Twitterclass="blippr-nobr">Twitter @replies, Facebookclass="blippr-nobr">Facebook messages and moderated blog post comments is currently called ‘customer service,’ this does not play up your strengths as a digital marketer. Use common sense though. If their keywords don’t match your experience, don’t write anything untruthful, and consider doing things to get the types of experience for the jobs you want, such as volunteering to help with the social media of a non-profit whose cause you support.” — Dharmishta Rood, research assistant, Harvard Business School

To showcase your skills alongside multimedia and other online assets, check out some digital alternatives to the paper resume, including video resumes, VisualCVs, social resumes and LinkedIn profiles.

9. Let Curiosity and Passion Drive You

“Sure, it’s great to know about Facebook, iAds and whatever is coming next from Silicon Valley,” Hofstetter points out, “but when we’re looking for key talent at 360i, nothing matters to us more than intellectual curiosity and passion…In a business where answers and solutions aren’t always obvious, you need to be innately curious (about everything) and obsessed with the ‘why’ behind the ‘what.’ ”

It may sound cheesy at first, but she has a point. Without inquisitiveness and zeal, we’re just work drones on a mission to take over the Internet. Plus, these traits have a positive effect on the way we work, Hofstetter says:

“People who have these qualities can innovate and identify trends from seemingly ordinary data — they’re the first to try new things (platforms, tools, technology) and think about how marketers can benefit from them. They don’t always have the answers, but when you’re being asked to do never-been-done-before things, there isn’t a rulebook. That’s why when we’re recruiting, we look for people who know how to ask the right questions.

10. Unplug for Your Sanity

Staring at a computer screen all day long can take a toll on your body, mind and social life. Get away from that monitor and breathe for crying out loud!

Bakas advocates getting out every once in a while to work on who you are as a person outside of work. “Because transparency is important, it’s important to be a good person in the real world,” he says. “It’ll translate into the digital world — you can’t fake being a good person if you’re a jerk in real life. Unplug for your own sanity, but also to continue growing as a person in life.”

I second that. Now, get out of here and get a job.

Digital Marketing Job Listings

Every week we put out a list of social media and web job opportunities. While we post a huge range of job listings, we’ve selected some of the best digital marketing jobs from the past two weeks to get you started. Happy hunting!

  • Digital Strategist at Vladimir Jones in Colorado Springs, CO.
  • Brand Manager at sweetgreen in Washington, DC.
  • Director of Digital Strategy at DeVries Public Relations in New York, NY.
  • Marketing Manager/Director at BreakoutBand in Brooklyn, NY.
  • Sr. Marketing Manager at WOWIO in Los Angeles, CA.

More Job Search Resources from Mashable

- 5 Tips for Aspiring Social Media Marketers/> - 10 Tips For Aspiring Community Managers/> - 5 Tips for Aspiring Copywriters and Art Directors/> - HOW TO: Land a Career in Digital Public Relations/> - Top 5 Tips for Aspiring Music Bloggers

Image courtesy of RICEinteractive; iStockphotoclass="blippr-nobr">iStockphoto, track5

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http://link.brightcove.com/services/link/bcpid16157557001/bctid645210306001 Lindsay Lohan caught a major break on Friday when Judge Elden Fox chose not to send her to jail and ordered her to stay in rehab at the Betty Ford Center.

After <b>news</b> of Google tax dodges, Obama raises money with Google <b>...</b>

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Wednesday, October 20, 2010

How to Making Money




How Loyalty Programs Work, and Why They May Cost You More Money in the Long Run





Loyalty programs are designed to give you perks for sticking with a particular airline or store, but because of the way your mind works when making decisions you might end up saving more money by avoiding them all together.

Psychology Today has dissected how loyalty programs work, and they've found that we're often willing to spend more money in the name of accruing more points:



Because you may pay more for some flights on that airline in order to stick with the particular carrier, you may pay more for those simple comforts than you might be willing to pay if they were just offered to you directly. That is, you might not pay $40 for the opportunity to board early if it were offered to you at check-in, but you might pay $40 more for a flight on an airline where your loyalty club membership allows you to board early.



The idea of loyalty programs is to help you develop habits that include the companies offering them. The more you participate—meaning, the closer you get to a reward—the more you'll tend to appreciate the program and begin to form these habits.


Loyalty programs aren't inherently bad, however. So long as you don't let the draw of points lead you to spending a bunch of extra money, they can be used to your advantage without creating bad habits. For some tips, our guide to mastering airline loyalty programs is a good start.


This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:


Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…


Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.


“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”


If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.


It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.


And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.


The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.


Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.


*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.


Update: Higher One’s Donald Smith responds:


Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.


The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.


Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.


Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.


I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.



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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser

New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.


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How Loyalty Programs Work, and Why They May Cost You More Money in the Long Run





Loyalty programs are designed to give you perks for sticking with a particular airline or store, but because of the way your mind works when making decisions you might end up saving more money by avoiding them all together.

Psychology Today has dissected how loyalty programs work, and they've found that we're often willing to spend more money in the name of accruing more points:



Because you may pay more for some flights on that airline in order to stick with the particular carrier, you may pay more for those simple comforts than you might be willing to pay if they were just offered to you directly. That is, you might not pay $40 for the opportunity to board early if it were offered to you at check-in, but you might pay $40 more for a flight on an airline where your loyalty club membership allows you to board early.



The idea of loyalty programs is to help you develop habits that include the companies offering them. The more you participate—meaning, the closer you get to a reward—the more you'll tend to appreciate the program and begin to form these habits.


Loyalty programs aren't inherently bad, however. So long as you don't let the draw of points lead you to spending a bunch of extra money, they can be used to your advantage without creating bad habits. For some tips, our guide to mastering airline loyalty programs is a good start.


This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:


Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…


Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.


“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”


If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.


It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.


And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.


The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.


Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.


*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.


Update: Higher One’s Donald Smith responds:


Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.


The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.


Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.


Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.


I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.



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Unemployment Extension <b>News</b>

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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser

New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.


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Unemployment Extension <b>News</b>

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New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.


robert shumake twitter



How Loyalty Programs Work, and Why They May Cost You More Money in the Long Run





Loyalty programs are designed to give you perks for sticking with a particular airline or store, but because of the way your mind works when making decisions you might end up saving more money by avoiding them all together.

Psychology Today has dissected how loyalty programs work, and they've found that we're often willing to spend more money in the name of accruing more points:



Because you may pay more for some flights on that airline in order to stick with the particular carrier, you may pay more for those simple comforts than you might be willing to pay if they were just offered to you directly. That is, you might not pay $40 for the opportunity to board early if it were offered to you at check-in, but you might pay $40 more for a flight on an airline where your loyalty club membership allows you to board early.



The idea of loyalty programs is to help you develop habits that include the companies offering them. The more you participate—meaning, the closer you get to a reward—the more you'll tend to appreciate the program and begin to form these habits.


Loyalty programs aren't inherently bad, however. So long as you don't let the draw of points lead you to spending a bunch of extra money, they can be used to your advantage without creating bad habits. For some tips, our guide to mastering airline loyalty programs is a good start.


This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:


Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…


Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.


“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”


If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.


It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.


And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.


The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.


Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.


*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.


Update: Higher One’s Donald Smith responds:


Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.


The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.


Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.


Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.


I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.



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Make Money Post-It Note by Magnolia Texas


robert shumake hall of shame

Unemployment Extension <b>News</b>

Unemployment Extension News.

Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser

New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.


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Unemployment Extension <b>News</b>

Unemployment Extension News.

Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser

New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.


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Unemployment Extension <b>News</b>

Unemployment Extension News.

Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser

New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.


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Unemployment Extension <b>News</b>

Unemployment Extension News.

Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser

New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.


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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser

New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

Dallas Mavericks Blog - Dallasnews.com's Dallas Mavericks coverage includes the latest news, notes, commentary, analysis, blogs, e-mail newsletters, photos and videos of the Mavericks.


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Today I am going to write about how to make money by buying an item or items, then flipping, or reselling the item.

I buy items to resell regularly. You can buy anything, and the basic concept and rules of flipping never change.

Here's the Rules of Flipping:

1. Never buy anything for market value. If you do, you will not make a profit when you flip it, or resell it. Make sure you have a profit margin of at least 40%. Sometimes finding buyers takes a while, and it has to be worth your while.

2. Never buy something you can't pay for because you think you're going to flip it and make more money. Sometimes you will get unlucky, and not flip it. I've heard of people buying a house with the intent of flipping it, without checking if they can make monthly payments for said house. The house does not sell, and the fool loses his shirt. Do not let yourself become this fool.

3. Never sell anything to a person that says he'll pick it up and/ or send someone to pick it up before he mails you the money. This guy is probably a scammer. He'll take your goods and run.

4. Don't buy something that's falling apart and expect to flip it for a large profit. Almost no one will buy something that takes extensive restoration work. There are exceptions that make the rule, but they're few and far between.
5. Don't expect to get a huge profit when you flip things that are not rare and/or antique. Things are only worth what people will pay for them.

6. Don't lie about the quality of your item(s) you want to flip. A potential buyer can change his mind quickly when he comes to your place of commerce and sees you have lied to him. He might even spread the story of his experience around to his friends or acquaintances, making it harder for you to flip things. No one wants to get taken and/or lied to.

7. Don't be pushy. People don't like to do business with people that rub them the wrong way.

8. Factor in travel costs when you resell or flip something you got that was far away. To make a profit, travel costs and the price you paid for an item need to be, when combined, less than the normal or standard price of the item.

Now that you know how to flip for profit, have fun doing so!


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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser

New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

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Unemployment Extension <b>News</b>

Unemployment Extension News.

Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser

New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...

Mavericks to give McCants a look-see | Dallas Mavericks Blog <b>...</b>

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