Sen. Rand Paul, R-Ky., expressed outrage over new revelations that recently-retired ex-NIAID Director Dr. Anthony Fauci is privy to a taxpayer-reimbursed security detail.
Documents obtained by “Jesse Watters Primetime” from the U.S. Marshals Service through a request described how the marshals took over that responsibility from the Department of Health & Human Services at the beginning of 2023.
Paul sent a letter to HHS Secretary Xavier Becerra in June requesting additional details about Fauci’s current employment status and special taxpayer-funded benefits.
On “Jesse Watters Primetime,” host Jesse Watters said a source’s tip led to a FOIA request to the U.S. Marshals that revealed the security detail for Fauci.
Watters reported the documents also stated Fauci’s perks include limousine transportation.
Paul said he also was told Fauci still has a detail, and that he questioned HHS about it.
“HHS actually came back to us and said they haven’t been paying for it since January. But then we discovered that Fox did a Freedom of Information Act and a judge forced them to say that, well, while HHS wasn’t directly funding it, the U.S. Marshals were funding it,” he said.
Paul said the federal officials told him they weren’t directly paying for it, but that, in the senator’s words, “somebody else is doing it and then we’re reimbursing them.”
“So it’s a terrible example of the government lying to its representatives and to the people. But also, why is a retired guy, the only retired official I know of that gets this kind of treatment is a former president,” Paul added.
“So I have no idea why this bureaucrat still has a limo driver security detail.”
Paul wondered aloud if Fauci also gets pro bono legal representation in retirement as well, quipping the doctor may need it one day.
The senator said Fauci’s wealth increased 30% during the pandemic, and that he should be able to afford his own security without expending taxpayer funds.
By the end of his 54-year career in the bureaucracy, Fauci rose to become the highest-paid federal official.
The doctor and the senator also often sparred while he was at NIAID, with Paul once asking if he wished to revise past testimony to Congress based on new revelations at the time, while Fauci notably once declared the Kentuckian – who is a doctor of ophthalmology – had “no idea what he was talking about” when it came to his medical analysis of the coronavirus.
Fauci has since been replaced at NIAID in an acting capacity by Dr. Hugh Auchincloss, an immunologist and father of Rep. Jake Auchincloss, D-Mass.
Fox News’ Bradford Betz contributed to this report.
The European Commission has agreed to demands from Italy and Germany to allow combustion engines to continue to be made as long as they run on carbon-neutral e-fuel.
Europe was set to ban the sale of new combustion engine vehicles in 2035, but will now rewrite the regulations to carve out an exemption.
E-fuels are made from carbon that has been sequestered from the atmosphere and combined with water to create combustible fuels that work like gasoline or diesel and emit only as much carbon when burned as was used to make them.
When produced using zero emissions power, like wind or solar, the fuels contribute no additional greenhouse gases.
Porsche is among the companies that have invested in the technology and has demonstrated one of its gasoline-powered 911 sports cars running on fuel produced at a wind-powered plant in Chile.
The current production cost at the pilot plant is $45 per gallon, but Porsche expects that to be down to $8 by 2026, which would put it close to par with gasoline in Europe.
Ferrari CEO Benedetto Vigna told a Reuters Newsmaker event on Monday that the company still plans to electrify 80% of its lineup by 2030, but that the rule change opens up new opportunities.
“The good news for us as a company … is that on top of electric cars, we’ll also be able to go on with our internal combustion engines ones,” Vigna said. “We don’t want to tell clients which car to use. We want to make three kinds of propulsion available for them — hybrid, electric and ICE — and they will chose.”
Rival Italian exotic sports carmaker Lamborghini, which is a sister company to Porsche as part of the VW Group, is about to begin transitioning all of its models to hybrid powertrains, but has no current plans to offer an electric car.
CEO Stephan Winkelmann has said the brand’s customers enjoy the sound and performance of a combustion engine that synthetic fuels could be one way to keep them alive.
A hybrid replacement for the Aventador that uses a V12 engine is set to be revealed on March 29, and it’s already sold out.
“We are selling more cars than we are able to produce.”
Italy is also lobbying for biofuels like ethanol and biodiesel to be exempted, but the commission has not yet indicated if they will be included in the updated regulations.
ROI, or return on investment, is a term that you may hear often. However, many have never considered it in terms of a personal guarantee (PG). Yet, if you think about it, giving a guarantee on a loan is an investment of sorts. According to Dictionary.com, the definition of investment is “the action or process of investing money for profit or material result.”
With a personal guarantee, you are putting your assets on the line as a way to get funding for your business in hopes of helping it survive and thrive. Since your guarantee is an investment in your business, and all investment involves risk, the question then becomes how do you minimize risk and increase ROI.
Why Take the Risk at All?
When small business owners are looking for a business loan, often banks will ask for personal guarantees. In particular, when a business does not have an extensive credit history, a lender’s risk is higher. As a result, the lender will require a guarantee to mitigate their own risk.
However, no company owner can give a guarantee for everything. It’s not practical. All of your personal credit would be tied up. Your personal credit score could plummet. You have to find the balance between when it is worth it to give a guarantee and when you should pursue another option. Understanding the potential return on investment (ROI) for your PG is vital to knowing if it is worth it, or not.
What Makes the Risk Worth It?
There are a few things that make the investment of a PG worth the risk. The first is, if you need immediate funding for your company and you cannot get it any other way. If it’s a choice between giving a guarantee or not getting the funds you need, it may be worth it to give a guarantee.
That is, assuming that the chances are high that the funds you get will have the desired effect of helping your business grow and thrive. Then it will be a good ROI on your personal guarantee.
It may also be worth it if the guarantee will significantly decrease the interest rate on the loan. Decreasing interest expense means you get the funds at a lower cost, which results in a higher ROI.
When are Personal Guarantees Not Worth It?
For business owners, it has to all be about value. Lenders will take a personal guarantee every chance they can get. Yet, it puts an owner’s personal assets on the line. In small business lending, this means lenders can legally claim whatever is pledged to secure the loan agreement. Consequently, you have to determine if the ROI on your guarantee is worth the potential cost.
If your business fails, then your personal assets will go to the lender. Unless your personal finances are infinite, you probably don’t have a lot of assets that are sufficient for a PG.
After real property, what other assets do you really have? Investments might work. But then, of course, you can lose them if your business defaults. If a small business owner is relying on a certain asset for something specific, like retirement financing, it could spell disaster. The risk, for a lot of owners, is too great. You could lose it all. That is not an acceptable ROI.
However, if you feel that the funds will help you to grow your business substantially and the risk to your personal assets is low, you may have an ROI that is acceptable to you.
What are the Risks of Defaulting on a Business Loan?
This is why small business loans are a big risk for lenders. A lender asks for a personal guarantee to give the owners a greater stake in the company’s success. When a small business loan could cost an owner his or her future, then there’s more incentive to work toward company success.
That is where the ROI for the lender comes in. They get the loan funds back plus interest. But what about the owner? What owner isn’t going to work for business success regardless, whether their personal assets are on the line or not?
As an owner of a business, you have to know when it is necessary to give a guarantee. Then, you have to know when there is another choice and how to walk that path.
When do Small Business Owners Have to Provide a Personal Guarantee for a Business Loan?
There are a few times when a company owner has no option but to give a guarantee.
SBA Loans
SBA loans will always require a personal guarantee for loans over a certain amount. The Small Business Administration requires guarantees even from owners of well-established businesses. Furthermore, it will want them from all business partners.
This is in addition to all the other things the SBA wants to accompany a loan application. They require collateral, a business plan, a business proposal, possibly accounts receivable, and other financial statements.
That’s not to say an SBA loan is bad. There are other factors which make SBA loans worthwhile. Interest rates tend to be lower for one thing. That means the money you get costs less.
That is the definition of ROI on personal guarantees. If you get more money for less cost, and the benefits to your business are worth it, you have an acceptable ROI on your personal guarantee.
Term Loans from Traditional Lenders
Traditional lenders are likely to ask for personal guarantees regardless of whether you are applying for SBA loans or other traditional loans. They want a small business owner to repay any debt, and this is how they hedge that bet. So, for any small business loan you apply for with a traditional lender, you are likely to have to provide a guarantee.
Your goal, as the business owner, is to reduce the number of loans you need that require a guarantee overall. Then, of those that do require one, figure out how to reduce the amount of the guarantee required.
How to Reduce The Necessity for a Guarantee
SBA loans and traditional loans almost always require personal guarantees. So, the first way to reduce the number of guarantees you have to give is to use other types of business credit.
That means vendor credit and business credit cards. To do this in a way that reduces personal guarantees, you have to separate your business from yourself. That requires a Fundable Foundation.
A Fundable Foundation requires:
Separate contact information
An EIN
Incorporating
A separate, dedicated business bank account
A professional business website and email address with the same URL
Once you are set up this way, you can apply for vendor credit in the name of your business. Look for the vendors that do not require a guarantee or a credit check for initial credit, and that will report your payments to the business credit reporting agencies.
As payments are reported on more accounts, your business credit score will grow, helping you get approval on even more accounts without a PG.
How Does Business Credit Increase ROI on Your Personal Guarantee?
It’s almost like a domino effect. As you build a stronger business credit score without a PG, you are eligible for more and more accounts without personal guarantees. Eventually, you’ll be able to get a business credit card without a guarantee.
Here’s where things really start working in your favor. Use these accounts as much as possible. Be sure to responsibly repay credit issued to you. Rely on these accounts as much as you can, and you will reduce your need for a loan. In turn, you reduce your need to give a PG. There is an inverse relationship between personal guarantee and the amount of funds you get with it. The more money you can get with less personal guarantee, the higher the ROI.
An Oversimplified Example
Say you apply for a $10,000 business loan. The lender approves it, but you have to put up a guarantee for the entire amount. That means if your business defaults, you are responsible for the whole thing. You have the potential for an excellent ROI if the business doesn’t default, but if you have issues, you could lose $10,000 of your personal funds.
But, consider the same scenario except, due to your strong business credit score, the lender requires a 50% personal guarantee. Your potential ROI on that is much better, because at the most, you would only personally be responsible for $5,000.
As your business credit score goes, the need for a personal guarantee decreases, making your ROI on PG increase.
Is There More Than One Kind of PG?
Yes!
Usually, we think of an unlimited personal guarantee. However, there are also limited guarantees. Alimited guarantee allows a lender to collect a certain amount of money or a certain percentage of the outstanding balance from a principal or business owner. These guarantees are common when there are several principals who can pay a certain fraction of the debt. For instance, if a small business defaults on its loan, the lender can go after each principal for 25% of the balance.
With a limited guarantee, the business owner has some protection. Not all their assets are on the line, which in itself increases borrower ROI. Since lenders can seek repayment from more than one of the owners, there is still value, even if the business fails and does not fully pay the debt. This is another way to increase the ROI on your personal guarantee.
When Can Business Owners Get More Value from Providing a Guarantee?
Sometimes, you need to make investments in equipment or inventory in a short time frame. Or you may want to buy quickly in order to hedge against rapidly rising inflation. In this case, after business owners evaluate risk and costs, they may determine that gambling on personal liability is worth it. That is when you weigh the potential ROI against the guaranteed ROI of nothing if you do not take advantage of the opportunity.
The initial investment may be scary, but it may also be worth it in the long term if it helps your business grow, thrive, and reach its full potential. In the end, business loans are risky on all sides. However, without risk there is no growth. No one starts a business and hopes it never grows. Growth is the first goal. Business growth equals profit growth, which is the ultimate ROI.
Loan agreements that require personal guarantees definitely have the potential to reduce ROI on the business overall. So, it is vital to carefully consider any loan agreement to discern whether it is worth it, or not.
As always, whether or not a PG is necessary is not the only thing to consider. There are also loan fees and legal fees that come into play. Pay attention to those. They can add up.
What Does it Take to Get Maximum ROI on Your Personal Guarantee?
As with other investments, the ROI on your personal guarantee depends on a number of factors. The key is to protect your own credit history while still giving your company it’s best shot. If an owner needs to personally guarantee funds, that isn’t a bad thing. Yet, it is important for small businesses to balance that with other credit that does not require that personal assets be sacrificed.
This means that the company has to have credit in the name of the business, separate from that of the owner. This business credit will not remove the need for a PG completely, but it can reduce it drastically. It can increase the amount of credit available without a guarantee, and reduce the amount of guarantee necessary for those accounts that still require one.
Another thing business credit can do is help you get lower interest rates on accounts. Since that means the funds cost less, it’s an automatic boost to ROI. Anytime you can get lower interest it’s a good thing.
Balance is key. Find out how to set your business up to get the most possible funding without a personal guarantee with a free Business Finance Assessment.
Many business owners apply for a business loan and end up being denied, never knowing why. Surprisingly, one of the most common reasons for denial has more to do with the actual application than the creditworthiness of the company. A lot of applicants never make it to the financial review process simply because their application triggers fraud concerns with the lender.
Apply for a Business Loan Without Fraud Concerns: Consistency is Key
Discrepancies of any kind set off red flags for lenders. When something doesn’t add up, they don’t look too far for answers. In contrast, they simply deny.
Application denials for this are common because inconsistencies reek of fraudulent activity. Just the appearance of fraud, any inkling, is enough for most lenders to deny.
Consistent Business Information
Your business name and other information must be consistent. If you list it one way on your application and it is different anywhere else, denial is imminent. That means, even an ampersand in one place and the word “and” in another can mean denial.
Information Must Be Verifiable
When you apply for a loan, the information you put on it must be verifiable. Lenders might search with the Secretary of State to verify ownership. As you can imagine, if the business information on the application does not match the Ssecretary of Sstate records, they may very well deny it automatically.
If they decide to investigate further, they may ask for tax returns, even if they already have financials. The catch is, even if they originally ask only to verify information, due diligence dictates that they look at all of it. This may not work in your favor.
The more you make, the more you pay. As a result, businesses do not want to show they make money. Yet, if your tax return shows a large loss, it results in a denial. If your information is verifiable in the first place, it may not be necessary to give lenders tax returns.
Verifying Income
Do yourself a favor and don’t try to lie about income. There are plenty of ways to verify, and credit providers will do that. You can be sure they can and will verify everything. Not just income either. The truth is, this goes for any information. That includes ownership percentage, date of opening, and of course financial information.
Personal Information Matters
Some are surprised to find out that personal information comes into play when you apply for a business loan. It has to be verifiable as well. Resist the thought that you may be able to fudge on personal information when you apply for a business loan. They will know.
Do Not Buy a Credit Privacy Number (CPN) to Try to Hide Bad Credit
A legitimate CPN is available by working with an attorney to file a claim with the Social Security Administration. That is, if you have a compelling claim. Bad credit is not a compelling claim.
Some claim a CPN will offer fresh credit history. As a result, companies use sketchy ways to get numbers to sell. Unfortunately, these 9-digit numbers may be dormant social security numbers or numbers that belong to children. By purchasing one, you could unknowingly end up in an identity theft scam.
Also, using any number other than a Social Security number where an SSN is called for is a violation of two federal laws.
Your best bet is to resist the temptation to use a CPN.
Apply For a Business Loan the Right Way
It’s not hard to avoid denial if you just apply for a business loan the right way. First, make sure all of your information is consistent everywhere. Then, ensure that when you provide information on a loan application, it is verifiable. Last, be honest. Don’t use numbers other than your Social Security Number or EIN. In the end, this is your best chance at getting your application through the initial process and to the financial review. The best part? This is just one of the business loan secrets we can share with you.
The 125 factors that affect the fundability can be broken down into 4 main categories. One of those categories is the Application Process.
Here are 6 ways applying for a small business loan can affect the fundability of your business.
# 1: Timing
When you apply for a loan makes a difference. Consider your current circumstances. If you have recently paid off a lot of credit card debt, that’s great! But, the payoff will not show up on your credit report immediately. Lenders will see more debt than is actually there.
The same is true of any change on your reports. UCC filings, liens, bankruptcy, and anything else that may be added or about to roll off can affect a credit provider’s decision.
Having a good relationship with a lender that is familiar with your business and its industry is priceless. It can allow you insight to understand if you have flexibility to negotiate. Maybe you apply for a loan and get initial approval for $10,000. If you have a couple of other credit providers that are ready to extend substantially higher amounts, you might be able to use that to convince the lender to approve more.
#3: Application Format
It may seem like applying online is always the best option these days. It’s for sure faster and easier. Yet, there can be substantial differences in what is available if you apply in person or with a paper application.
Some lenders may require a personal guarantee if you apply online, but have a paper application that does not require one. There are any number of possibilities, that’s just one example.
#4: Lending Product Selected
You have to choose the right lending product for your business. A large project you want to complete may mean you need a business loan. However, if you simply have a lot of smaller expenses and want a way to manage cash flow, a credit card or line of credit may work better
#5: Lender Selection
Some lenders may loosen their belts and lend more around the end of the
year. Eventually, they will tighten up again. Then, another group of lenders may decide it is time to increase lending. Knowing which lenders are lending more what you are applying for a small business loan greatly increases your chances for approval.
6: Verifiable Information
When you apply for credit, you have to include your business name and address on the application. Lenders will then search with the Secretary of State to make sure you are the owner. They will also verify your business phone number and business address match what is on file with the Secretary of State.
Get Help Applying for a Small Business Loan
Lending trends, choosing the best lending product, and a number of other factors in this process are difficult to maneuver on your own.
This is where the business credit specialists at Credit Suite can really help. We are in a unique position to be able to see the big lending picture throughout the year. Our finger is always on the pulse of the industry, so we can help direct you toward lenders that are lending the most at the moment. We can see the big picture.
A caller from Oregon who tagged on “Let’s go, Brandon” when ending his Christmas Eve phone chat with President Biden last week now says he’s being “attacked” for what he claims was a “joke.”
Minnesota Timberwolves youngster Anthony Edwards could emerge as one of the next big stars in the NBA and on Wednesday, at the start of his sophomore season, he already was making a name for himself.
Top Google rankings are a pinnacle of online business success.
According to Backlinko, the first result on Google gets 31.7 percent of all clicks — while results on the second page receive just .78 percent of clicks.
I’ve talked to a lot of business owners and managers – newbies and veterans alike – who have struggled to unlock the secrets of how to improve their Google ranking without getting penalized.
I wish I could tell you there’s a magic button that ranks your site #1 without fail.
The truth is, it takes resourcefulness, dedication, persistence, and creativity. This is especially true because of the constantly changing nature of Google’s algorithm.
I learned this the hard way; but luckily, you don’t have to.
I’m going back to basics with on-page SEO to help you understand the new SEO rules, learn how to optimize for both humans and search algorithm crawlers, and to master on-page and off-page SEO.
Google executives like Gary Illyes and John Mueller confirm Google constantly changes its algorithm, even though most of these changes aren’t publicly announced.
While Google used to share major update announcements, the exact inner workings of the algorithm are still unknown. The majority of information is just speculation from industry professionals.
After all, if everyone knew exactly how to rank in the first position without penalties for shortcuts or black hat SEO strategies, Google wouldn’t succeed in ranking only the best results. Anyone could hack their way to the top without putting in the work.
Not only would this make it hard for honest people like you and me to succeed, but it would also seriously compromise Google’s mission statement:
Google’s mission is to organize the world’s information and make it universally accessible and useful.
The best knowledge we have of Google’s algorithm comes in the form of major algorithm updates like:
Page Experience Update (June 2021): This update affected Core Web Vitals, organic results, and News alerts.
Core Update (December 2020): This update focused on content quality and relevance.
Mobile-first update (July 2019): Googlebot now looks at all websites as a smartphone, prioritizing sites that work well on mobile devices.
Mobile-friendly update (April 2015): Favoring websites with mobile-friendly versions and setting the stage for future penalties if sites don’t comply.
Pigeon (July 2014): Worked to integrate local search results like Google Maps.
Hummingbird (August 2013): Aimed to understand the context and intent behind a user’s search instead of just looking at the literal words they typed.
Penguin (April 2012): Targeted spammers and sites that buy unnatural links to boost their rankings.
Not to mention Panda, Google EMDs (exact match domain names), and the Private Blog Network (PBN) deindexing updates. Then there’s Phantom, which first appeared in May 2013 and is believed to have been updated four times – but has never actually been confirmed by Google.
How are you supposed to keep track of all these Google updates?
Check out the video below to learn more about my strategies for link building, on-page SEO, and user metrics when trying to rank on Google.
Now that we’ve covered the basics of the algorithm, let’s get down to those actionable strategies I mentioned earlier.
Step #2: Assess Your Current Google Ranking
To improve your Google ranking, you need to know where you stand. This is true even for new sites. Thankfully, there are several tools to help.
Use Ubersuggest to Check Your Site’s Keyword Rank
If you’ve been targeting specific keywords in page content, use my tool Ubersuggest to assess your rank.
Login, then use the “Traffic Overview” under the competitor report. Type in your domain, and you’ll see a list of SEO keywords your rank for, top pages, and an overview of your SEO keywords ranking.
Scroll down to view the “SEO Keywords” chart, which tells you where you rank for main keywords.
If your site is slow, you have little chance of a high search position. It will affect your ability to convert and sell new customers, too.
Walmart experienced a sharp decline in conversions when its page load times increased from one to four seconds.
If this happens, it doesn’t matter what your on-page SEO, meta description, or title tags are. The search algorithm will punish you, even if you’re a giant like Walmart.
That’s why it’s important to run your own site speed test to figure out how to improve Google rankings. There are dozens of tools that can help you do this. Some of my favorites are:
Here’s how to test your page content speed with Pingdom.
Go to tools.pingdom.com and type in your URL. Choose the location you’d like to test from and click “Start Test.”
Quick Sprout registers a performance grade of 81. As long as your site registers over 50, that’s a good start.
If you get a performance grade of less than 50, your page content is really slow and you need to work on improving it.
Check the page load time, too.
Quick Sprout is doing pretty well at 1.89 seconds. Aim for under 2 seconds for a really fast site and under one second for mobile devices.
Remember, a load time of more than a few seconds could cause you to lose a significant amount of site traffic.
Check Your Site’s Health
After looking at keyword search engine rank and site speed, assess the overall health of your site before you start to optimize.
Have you experienced a sudden drop in organic traffic after months or years of consistency?
Are you wondering whether Google has deindexed (or banned) your site?
There are a lot of great tools to help piece together this puzzle. Try the MxToolBox Domain Health Report tool to check for major issues in five different categories: general site problems, blacklist, mail server, web server, and DNS.
Just click the box for each category to see specific errors and warnings. From there, you can work one-by-one to fix them.
If you want to check if you’ve been penalized by one of the major algorithm updates, check out FE International’s Website Penalty Indicator tool.
You’ll see a graph that shows your site’s traffic in relation to rollouts of major updates. This comparison takes you one step closer to knowing if an update directly affected your site.
To check for a Google penalty, login into Google Search Console and look for the “Security & Manual Actions” report. This will tell you if Google has taken a manual action against your site.
Note that this report will only show if a human reviewer has determined your site breaks Google’s quality guidelines — it won’t tell you if a Google Algorithm update penalized your site.
Next, it’s time to track some vital metrics of your site to find out what other factors you need to improve. Here are the most important metrics to assess.
Organic Traffic
It’s important to know how visitors find your site via Google. In the past, organic search drove most website visitors, crushing non-organic channels like paid search and social media.
Today, social media, email, and paid ads often lead the pack in driving organic traffic — but that can vary drastically by industry.
To find out how many visitors reach your site, log in to your Google Analytics account and check out the acquisition channels report. This helpful Google Analytics guide will guide you.
Organic Traffic Conversions
In addition to analyzing search traffic, it’s worth paying attention to the keywords that generate traffic for your site. This is harder to see than it used to be, but is still possible.
You can do this with Google Search Console (formerly Google Webmaster Tools). It can tell you how many clicks you get for certain keywords in organic search results.
Keyword Ranking for Transactional Keywords
The number one keyword research mistake is not spending enough time focusing on transactional keywords.
That’s because commercial keywords are the ones that drive revenue. To improve your search engine rankings and make money, you need to understand the difference between commercial and informational keywords to improve Google rankings.
If all of your keywords are informational, you will still generate organic traffic, but it may be difficult to convert those visitors to buyers or people who share on social media.
The reason is because of visitors who search for informational keywords like:
How to clear acne with home products
How to install WordPress
Make money online for free
Free ebook download
Top 10 free article spinners
If they’re not in the buying mood, they want you to speak their language; the search engine language of free. Now, these terms can drive traffic and a solid sales funnel will convert some of those people — but not many.
In contrast, there are people who use transactional keywords that show user intent, like:
Best acne products
Top 10 web hosting providers
Web designers in NY
These folks are probably searching for a solution that they can buy.
If you’re in the e-commerce industry, you’ll hopefully already know that transactional keywords tend to convert well.
Keywords that have the words below as a prefix (before) or suffix (after) to the rest of the keyword phrase tend to do well:
Buy
Review
Purchase
Discount
Coupon
Deal
Shipping
Order
Earlier, I talked about the keywords that are sending you organic traffic. They should also be used in the meta description as well as on-page SEO (more on this later).
Here’s another example. Can you spot the difference between informational and transactional keywords?
Set Up An SEO Dashboard to Track These Metrics
I recommend that you set up an SEO dashboard so that you can track all of the important metrics at any time.
If you have the cash to drop on SEO tools, go for it. If you are on a small budget, however, Google Analytics should serve you just fine.
In addition to setting up dashboards in Google Analytics, you can get even richer keyword data by connecting Google Search Console to Google Analytics. Here’s a complete guide on how to do that.
Step #4: Ensure Your Site is Mobile-Friendly (and Ready For a Mobile-First Google)
More than half of all website traffic comes from a mobile device. That means if you want to rank well, your site needs to perform well on mobile.
While some algorithm changes remain unclear, Google left nothing to the imagination when it comes to mobile. On January 10, 2017, the Google Webmaster Blog said:
Starting today, pages where content is not easily accessible to a user on the transition from the mobile search results may not rank as high.
Then in 2020, Google moved to “mobile-first indexing” which means Google looks at websites as a mobile device. If your site is hard to navigate, your ranking will be impacted.
Luckily, it’s pretty easy to see where you stand. Google’s Mobile-Friendly Test offers a quick way to determine if your site is mobile-friendly or on its way to Penaltyville.
Just type in your URL and click “RUN TEST.”
The results will give you a clear “yes or no” answer along with a list of the page loading issues it encountered. This way you can fix and optimize to ensure your mobile site running smoothly.
You’ll be able to look at page loading issues like redirection errors and pages where robots.txt blocked the Googlebot from crawling the page.
If your site isn’t mobile-friendly, add this to the top of your to-do list.
You can get a quick fix through services like Mobify or Duda Mobile.
If your website is built on a popular CMS platform, like WordPress or Wix, most themes are mobile-friendly. You may need to update your site to the latest version to take advantage of these features.
Make sure CTAs and form fields use large, easy to tap buttons.
Don’t use popups that are impossible to close. Yes, pop-ups improve conversions, but they can also annoy users.
There’s a strong connection between mobile and local search. Google caters to hyper-local search, connecting consumers and brands as smoothly and quickly as possible.
These profiles can be a deciding factor for someone who’s searching in your area, so claim and update your business listing ASAP if you haven’t. This also goes for other local listing sites, like Yelp, Facebook, Better Business Bureau, and more.
Step #5: Diagnose and Fix Your Current Google Penalties
Now that you understand your search ranking and have set up tracking for the most important metrics, it’s time to examine your site in detail and fix any current penalties.
This is fundamental; there is no point in promoting or building links to an unhealthy site. Before we dig in, I want to cover a few things that could get you a Google penalty.
Link Building has Changed
Bad links hurt your site. Use them and you can expect a Google penalty sooner rather than later.
That’s why it’s essential to think about how you generate links to your site.
The sentiment remains true today.
Here’s how. Start by identifying and eliminating unhealthy links.
Analyze Your Links
First, analyze inbound links to your site. There are several link analysis tools you can use to do this:
Let me walk you through a link analysis using SEOprofiler.
Sign up for a free account and go to Link Profiler → Backlinks. Let’s use problogger.net:
The results show the most important elements to look for when analyzing your backlinks:
Unique Active Backlinks: This shows the number of links that directly or indirectly affect your Google ranking. “Unique” means that the links are from different IP addresses. That’s one way to identify a natural link. These links have been indexed by Google in the last 90 days.
Nofollow links: Problogger has 10.2% nofollow links, which equals 1,522 backlinks from the total of 14,922. Google introduced the rel= “nofollow” tag in 2005 to stop spammy blog comments from artificially manipulating rankings. After the Google Penguin update was rolled out in 2013, it became essential to diversify your link profile. And as Matt Cutts mentioned, you need a mix of dofollow links (links that pass ranking value to search engines) and nofollow links (links that don’t pass ranking value).
Industry: If you read the content of Problogger, you might think that its industry is “blogging” or “internet marketing.” But, when you look at this analysis, it turns out to be “media.” Knowing your industry can help you identify relevant links that will improve your backlink profile in the search algorithm used by the search engine.
Link Influence Score: This shows how links from the website influence the search engine rankings of linked pages. The higher the score the better. As a very popular and influential site, Problogger’s score is a whopping 99%! Check your own site and see what your score is.
Anchor Text: Click on the link in the left menu to access data for anchor text (anchor text is the text that becomes your link and points to your page) linking into your site. Google’s Penguin update was rolled out to prevent site owners from manipulating search results with exact match anchor text. If you want to stay under the search algorithm penalty radar, diversify your anchor text.
It’s also important to know which links are harmful to your site so that you can remove them. Harmful links include those that:
Come from PR-n/a or PR0 websites
Are mostly sitewide links
Are from referring domain names with little traffic
Come from sites on the same IP class address
Come from web pages with a lot of external links
There are many free tools to help you identify unhealthy links. Two that I’ve tried include Monitor Backlinks and Linkquidator.
Remember to export the list of unhealthy links once you find them. That way, you can refer to them later.
Clean Up Your Link Profile to Avoid a Google Penalty
That’s the next step in cleaning up your link profile, and there are two ways to do it.
1. Request a Manual Link Removal: Visit the website where the unhealthy/unnatural links are coming from and contact the site owner. Ask the site owner to either remove your link (the better option) or add a nofollow tag to it.
If you have outsourced link building in the past, you can also contact the person who placed the links for you and ask that person to have the links removed. Here’s an excerpt from a post at Search Engine World to show how this works:
In this case, don’t ask the site owner to remove your links because they might assume you’re a spammer and ignore you. Instead, follow this tutorial from Search Engine Journal to learn the best way to contact webmasters about link removal.
2. Use Google’s Disavow Links Tool: If you’re unsuccessful in getting unhealthy links removed, your only option is to use Google’s own disavow links tool.
While manual link removal is best, this is a good second choice.
The disavow tool is part of Google Search Console. Once you open Search Console, you’ll see a list of all of your sites.
Go to the site for which you want to disavow links. This is what you’ll see:
When you check for unnatural links, you have the option to export the links that you find. If you have done this, upload the file and click “done.”
Like you, Google can’t actually remove the links as they don’t have access to the referring sites.
However, doing this authorizes Google to stop passing link juice (value) from those links to your page content.
3. Diversify Anchor Text Distribution: Anchor text can play a key role in improving or utterly destroying your search ranking. As I mentioned earlier, if you want a natural link profile, you have to diversify anchor text.
When distributing your anchor text, think about including these types:
Exact Match: Does the anchor text match the keyword that you’re targeting exactly? e.g. hybrid bikes
To avoid anchor text over-optimization, follow these two guidelines:
Avoid Excessive Keyword-Tich Anchor Text: If you want to link to your internal pages on a topic, like “link building strategies,” don’t use that same keyword phrase as your anchor text. Instead, use something like “learn more about link building” or a combination of a generic plus the exact keyword. Variety is key.
Avoid Irrelevant Links: What’s the point of linking to your dog training site using “best golf trainer” as your anchor? It doesn’t make sense to improve Google rankings and could actually result in a Google penalty.
Step #6: Improve Google Rankings with Keyword Research
Once you are rid of unnatural links, it’s time to improve on-page SEO the right way.
One essential element of an effective inbound marketing strategy is keyword research. You won’t get far without understanding how it works.
Learn How Your Audience Finds Your Site
To be effective, you need to pinpoint the keywords that your target audience is using to find your site. Here’s how that works.
Step #1: Visit Ubersuggest, Enter your Keyword and click Search.
Step #2: Click on Keyword Ideas
Step #3: Review Keywords and Search Volume for the Month
Here’s how that helps you.
When you research keywords, you’re getting firsthand information about your target audience, the information that they want to know, and how they want it.
For example, when someone searches for “html5 tutorials for beginners,” you know the searcher is a newbie who is searching for solutions and wants content that helps with this topic.
That can guide you to write headlines and content that ranks well in the Google search results.
It’s helpful to figure out the buyer personas and customer lifecycle of your target audience, so you understand what motivates them. Then, provide relevant page content that will help you increase your Google ranking.
Alexa can help you work out audience demographics, as in the example below for Upworthy.
Remember when I mentioned transactional and informational keywords?
When you do keyword research, you can easily see whether users are simply looking for information or ready to buy.
That’s called user intent, and here’s how it looks for the keyword research example used earlier.
In this example, free web design is an example of an informational keyword. Free web design courses is an example of a transactional keyword.
You need both informational and transactional keywords in your page content to improve the Google rankings of your website.
It’s your job to educate, inform, inspire, and build interest before recommending a product.
Informational keywords can be used to build email lists and nurture prospects before offering a product for sale.
Also, don’t ignore long-tail keywords and questions.
The rise of voice search and BERT means long-tail keywords are more important than ever before.
If your competitors are ranking ahead of you in Google search results, it’s time to spy on them.
If the search algorithm likes them, you can learn and copy their strategies.
I like to use Google Keyword Planner for this because it gives me an accurate estimate of competitors’ keyword targets.
Let’s assume you’re in the “survival knife” sub-niche. One of the authority blogs you might spy on is survivallife.com.
On the Ubersuggest homepage, instead of inputting a seed keyword, simply type your competitor’s URL into the landing page box and click search.
Then scroll down the page until you see “SEO Keywords.” You will see the keywords that your competitor is targeting.
In addition to the keywords, other data includes:
Volume: The number of searches the keyword has during a month.
Position: The position the URL is ranked for in Google search.
Estimated visits: The estimated traffic the webpage gets for the keyword.
For example, your competitor ranks number 1 for the term “survival life.” With the top spot, they receive roughly 395 visitors per month for the term. So, if you’re successful in overtaking them, you know what type of traffic to expect.
This works for any niche and can help you uncover hidden keywords that will help improve your ranking.
Boost Lower Ranking Keywords
If you find your web page on page two, how can you boost its ranking to the first page of Google?
The Complete Guide to Outsourcing for Small Businesses
An In-Depth Guide on How to Outsource for Small Businesses
X Ways Outsourcing Can Revolutionize Your Small Business
Contact the blog owners that you mentioned in your post and ask them to check it out. Hopefully, you’ll get a handful of authority sites to link back to you.
Use Keyword Analysis to Improve Content
Let’s get one thing straight.
There is no optimal ratio for placing keywords in an article.
However, knowing the right keywords to target is of the utmost importance. That’s the basis of keyword analysis.
The starting point and cornerstone of search marketing campaigns. By understanding what queries qualified visitors to your website type into search engines, search marketers can better customize their landing pages to increase conversion rates.
Unless you know the queries that qualified visitors type into Google, you’ll find it difficult to improve your ranking and conversion rates.
By now, you know how to do keyword research. That’s the easy part. The difficult part is knowing which keywords are bringing in organic traffic.
Ever since Google’s “Not Provided” update, this info has been hard to come by. This guide to unlocking Not Provided Keywords will help you recover some of the data. However, these days, it’s impossible to get a full view of what terms drive organic traffic.
You do want to pay attention to popular keywords, terms your competitors rank for, and Google’s “People also ask” questions.
Use this information to write on-page SEO content that matches user intent (remember that?). This will improve the Google ranking of your web pages.
How should you place your target keywords in the content?
Let’s assume you want to write an in-depth review on “best senior irons for seniors.” Here are some titles that you could use:
Top 10 Best Senior Irons For Seniors
Buyers’ Guide For The Best Senior Irons For Seniors
Best Senior Irons For Seniors – The Ultimate Guide
To start your introduction, you could begin like this:
There are several senior irons in the marketplace. But knowing the right one for you is the most difficult decision. If you read this guide from start to finish, you’ll know the best senior irons for seniors that are affordable and reliable.
Or, you could start your introduction by asking a question:
Do you want to find the best senior irons for seniors? This page will not just tell you about the irons but will show how to use them to improve your golf game and provide practical tips on getting a huge discount for your purchase.
Do you see how I placed the target keyword in the first paragraph, without making it seem like spam?
As I’ve said before, target a specific keyword in a natural manner – don’t just try to make it look natural.
Step #7: Increase Google Ranking With On-Page SEO
Now that you know which keywords you want to target – and should be targeting – to maximize your performance, you’re equipped to make meaningful on-page SEO changes.
Backlinko has an excellent guide that breaks down on-page SEO factors that will earn you big points with Google and your visitors.
Let’s break down a few key considerations.
Optimize Title Tags
Title tags are still a big part of determining how your site will perform.
Avoid using the same keywords and title tags over and over. This way, you’ll diversify your opportunities while avoiding cannibalizing your own efforts.
Say that you’re an ecommerce company. A good formula for your product pages could be:
Curly Hair Leave-in Conditioner – Hair Care | Diana’s DIY
Here are a few more title tag optimization tips:
Use pipes ( | ) and dashes ( – ) between terms to maximize your real estate.
Avoid ALL CAPS titles. They’re just obnoxious.
Never keep default title tags like “Product Page” or “Home.” They trigger Google into thinking you have duplicate content, and they’re also not very convincing to users who are looking for specific information.
Put the most important and unique keywords first.
Don’t overstuff your keywords. Google increasingly values relevant, contextual, and natural strings over mechanical or forced keyword phrases.
Put your potential visitors before Google – title tags can make-or-break traffic and conversions.
Keep in mind Google shows roughly 60 characters on a SERP, but don’t cut off if a longer title suits the page content. The search snippet title Google displays can be dynamic based on the search query.
So ultimately, you might be doing yourself a favor by getting more descriptive.
Plus, desktop snippet titles are limited by pixel width, while mobile display titles are typically longer.
In the image above, Google displays as many characters as possible from the beginning. But in the image below, Google truncates the middle of the title to show the term “Hobo” at the end to show relevance to the user’s query.
While meta descriptions have negligible (if any) impact on your rankings, they still serve the important purpose of helping to determine your search snippet and adding an extra factor of uniqueness. This in turn can influence your click-through rate (CTR) from SERPs.
Schema markup can be thought of as extra “labels” on information that tells Google what your content means. For example, let’s say my name appears on an article, so Google displays my name in a SERP entry.
But if I use the right schema around my name in the article’s HTML, I can indicate to Google that I’m the author of the article, not just another term in a sea of indistinguishable words.
Not only does schema markup help Google understand your website, it also makes a massive difference in attracting traffic to your website.
Schema helps give users more relevant information in a visually organized and aesthetic way.
You can use schema tags to identify various types of SERP information, including:
Featured snippets are featured more on mobile SERPs, which we discussed are more common in the U.S. than desktop searches.
The best part about them is that they push you to the number one result (also known as the coveted “position zero”) even if you’re not winning in the rankings otherwise.
It’s an easy way to push your result to the top of the page.
Here’s the best way to target them.
Think of a question in your industry that people are regularly typing into Google. Try something basic like, “What is digital marketing?” or “How to rank on Google?”
A sitemap tells search engines about the organization of your site’s content.
That way, when Googlebot reads the file, it can more intelligently crawl your content. This helps make it more readily available for ranking on SERPs.
Sitemaps also provide valuable metadata about pages on your site like when they were last updated, how often you make changes, and how the page relates to other pages on your site.
Once you have your sitemap, check out my article on XML Sitemap to download your sitemap file, put it into the domain root folder of your website, and add the sitemap URL to your Google Webmaster account.
Now that we’ve covered some key on-page SEO factors, it’s time to discuss how to differentiate your brand from good to great with unique, strategic, and purposeful content.
Step #8: Use Keywords to Create Better Content
Although I’ve touched a bit on keyword research and placement already, in this section, we’ll look more at going leveraging those keywords that you’ve researched.
Sadly, a lot of people misunderstand the purpose keyword research and placement.
Even before Google rolled out their first Google Panda update, the best search marketers knew that quality, valuable, and useful content should target a particular group of people.
Optimize for informational keywords and improve your search ranking by writing resourceful and detailed content while supplementing it with descriptive meta description and title tags.
This process attracts raving fans, gets your content shared on social media platforms, and garners relevant and high-authority links naturally.
If you want to write resourceful and detailed content, follow the guide below:
Use Data-Driven Articles
According to ConversionXL, data-driven approach can increase your traffic.
Back up facts with accurate data so that people will see your content as authoritative and share it on social media, expanding your organic reach. This post on how to create and promote an infographic is an example of data-driven content.
Aim to include newer stats — less than three years old is ideal.
You can even micro-target content. For example, if a blogger experiments with niche marketing, take it a step further and try niche marketing with an aged domain name, then write it up.
Here’s how to tell a story that captivates your audience:
Begin with something unique: Start your story with a unique message that resonates with your audience. Ideally, this should connect with your audience’s questions or pain points.
Infuse Your Own Experiences: It’s called a story for a good reason. Use your own experiences (whether good or bad) as part of the message. No fakery allowed!
Jon Morrow used this on-page SEO content technique to grow his blog to 1,740 loyal subscribers in just seven days. Here’s the post that helped him connect with his audience: How To Quit Your Job, Move To Paradise, and Get Paid To Change The World.
Add a Call-to-Action (CTA): Every story must have an ending. Once you capture your readers’ attention, they expect you to share the solution. After all, your story is supposed to solve a problem, not nurture it.
Use a call-to-action link or button to lead people to your funnel and convert them. MatchOffice increased its conversion rate by 14.79% by changing its CTA copy.
Unbounce provides some more examples of actionable CTA buttons to replace your generic ones:
Write Shareable Headlines
Google has made a lot of changes to search rankings, but one element remains crucial: the headline.
If you write a shareable headline for your post, nothing can stop it from getting clicked, read, and shared by true fans.
Peep Laja of ConversionXL increased his conversion rate by changing the word “today” to “now” in a headline. It also helped him increase sales by 332%.
Headlines truly win the clicks.
Even if your web page is ranked at #1 in Google for page content, that doesn’t mean you’ll get the most clicks.
On-page SEO gets you in the running but the title can convert impressions to clicks.
Let’s search for the term how to outsource. Note that the most clickable headline is in position #2.
The perfect example of a website that uses shareable headlines to boost conversion rate is Upworthy.
I’ve used Buzzsumo to analyze Upworthy’s headlines. Check out the amazing number of shares the first article has racked up.
If I wanted to craft a better headline for my own content, here’s what I’d do:
Add numbers: Upworthy’s post was shared over 1.6 million times on Facebook because it has a definite number. If the headline was “Americans are Completely Wrong About This Mind-Blowing Fact,” I’m sure the total number of social media shares would be lower.
Here are some more examples. When I wrote this post, these headlines were ranked in the Google top 10 for their respective keywords. But, a simple tweak would result in a higher click-through rate.
Original headline:
SEO Basics For Optimizing Your Site
Let’s add some numbers:
6 SEO Basic Tips For Optimizing Your Site
12 SEO Basics You Need To Optimize Your Site
Original headline:
Freelance Writing Tips For Stay-at-Home Moms
Freelance Writing Jobs To Make Money
Let’s add some numbers
5 Freelance Writing Tips To Help Stay at Home Moms Make Money
10 Freelance Writing Jobs You Can Make Money From
Invoke Curiosity: Curiosity will cause people to click your headline, but do it with caution and make sure that you deliver on the promise of your headline with quality content.
For example, if your title is:
Top 7 Body Building Secrets You Didn’t Know
Then make sure that you reveal the ‘7’ secrets, and ideally, what you reveal needs to be new or unique.
Create a Multimedia Experience
While regular blogging is important, don’t settle there.
Hone in on your keywords to learn the questions that brought your visitors to your site. Then use diverse types of content to answer those questions, like:
While the occasional duplicate content won’t destroy your rankings, you’ll be doing yourself a favor by showing Google each piece of content is original, relevant, and useful.
Once you have great on-page SEO content that includes informational and transactional keywords and tells a story that appeals to your audience, it’s time to build links the right way to improve Google rankings.
Step #9: Build Links the Right Way
Earlier, I showed you how to analyze links to your site using SEOprofiler.
Note that it shows a range of different types of anchor text for inbound links.
That’s exactly what you need to build links the right way and improve Google rankings.
Here are some of the ways to do that and the types of links that you need.
Anchor text linking (in-text links): Anchor text links are simple links that appear within the content. See an example below…
I’ve found placing anchor text links “above-the-fold,” can increase conversion rates.
The anchor text linking strategy is mostly used when you’re looking to rank for a particular keyword.
You can use your target keyword as anchor text, but to be on the safe side and avoid penalties with the search algorithm, mix it up with generic keywords.
For example, if your primary keyword is digital camera reviews, when building your links from another site, link naturally like this: find the best digital camera reviews, top digital camera brands, etc.
A good mix is smart on-page SEO.
Internal Links: External links (that is links from other sites to yours) are important, but internal links are also important. Make sure to link to important internal pages using optimized anchor text when it makes sense.
Editorial Links: Creating useful content and sharing it through social media naturally results in valuable inbound links.
A good example is a post on 200 ranking factors that Brian Dean wrote. It’s been cited multiple times.
For Google, what other people say about you is much more important and relevant than what you say about yourself to improve Google rankings.
Over the years, I have created thousands of rich, data-driven, and useful blog content.
If you search for anything related to content marketing, Quick Sprout and neilpatel.com pop up, which means that I get a lot of editorial links.
Copyblogger links out to useful and relevant resource posts that contribute to the engagement that they already have with their audience.
I strongly believe that the site owners didn’t do anything to get those editorial links.
They simply earned the links because of the usefulness of their content. Focus on exceptional content if you want to earn links that will improve the rank of your web pages.
Scale link building: Link diversity is the ultimate way to generate Google-friendly links and improve Google rankings while staying off the penalty radar.
This tutorial from SEMrush will show you how to ethically build links to improve Google ranking.
Old techniques, like directory submission, forum marketing, wiki sites, and even guest blogging and press releases don’t work and they also put you at risk for a Google penalty.
To get a diverse inbound link profile, write page content that will gain links from local, regional, and international sites relevant to your own.
Then, you’ll build a natural link profile with natural, targeted on-page SEO that will withstand anything Google throws at it.
Step 10: Get Active on Social Media
What does social media have to do with search rankings?
That’s a great question.
Search engines like Google try to take into account as much information as possible about your website.
They use it to determine the quality of your website and thus where they should place you when someone searches regarding a topic within your niche.
One of the factors that search engines consider is social media. In particular, they consider the following questions:
How active are your social media accounts?
How up-to-date are your social media accounts?
How many shares does your website content get on social media?
It’s not just worth it for the sake of reaching a larger audience on the social media platform itself; social media can drive traffic to your site, which improves your search ranking.
How do you share content on social media that users are likely to share?
Here’s one great tactic: when you share stuff on social media, you want to increase your audience size and encourage people to engage with your content.
To do that, you can tag some of your friends who you think might be interested in the content.
This doesn’t just show the post to people you tagged. It also ensures that Facebook will show your post to all of the friends of those you’ve tagged.
You can easily increase your audience size by several thousand with a few relevant tags.
However you do it, use social media to build your SEO. The search engines are watching. Start performing.
Frequently Asked Questions About How to Improve Google Rankings Without Penalties
What is the top way to improve your Google ranking?
The most effective way to improve your ranking is to do keyword research and write content that is highly relevant for user intent associated with those keywords.
How long does it take for Google to rank your content?
It can take up to six months to have your content appear in the search results.
Is it possible to rank in the top results on Google for Free?
What are some strategies to rank on Google that are penalized?
You can be penalized for things like duplicate content, over-optimization, and bad linking practices.
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How to Improve Google Rankings Without Penalties Conclusion
The key to higher Google rankings without getting slapped with a penalty boils down to providing useful content, presented in a helpful way.
A few basic include:
Take the time truly understand your target audience and their desires.
Once you have this info, you can create killer content to meet their needs, solve their problems, and keep them coming back for more.
Keep churning out great content and promoting it with all you’ve got.
Lather, rinse, repeat, and you’ll dominate search engines while avoiding Google penalties from algorithm updates.
How did your site do in the most recent Google update? Did you see any change in rankings, traffic, and conversions?
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Foundation
#2: Lender Negotiations
