Patriots, Robert Kraft sent gift to first female to score touchdown in Massachusetts high school's history

A football player at a Massachusetts high school received a surprise from the New England Patriots after becoming the first female to score a touchdown in the school’s history.

Brockton High School’s McKenzie Quinn had a big night Oct. 7 when she rushed for a touchdown against Dartmouth, marking her first touchdown in a varsity game and the first scored by a girl in the school’s 125-year history.

One big moment led to another when word of Quinn’s touchdown made its way to the New England Patriots

Within five days, the team, including owner Robert Kraft, sent Quinn some memorabilia in celebration of the big score.

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The high school posted a picture of the personalized package on its social media pages thanking the team for the swag, which included an autographed Patriots football that read:

“To the Mighty Quinn – 

A pat on the back to you and all who contributed to your historic TD! We love to see that you’re having a ball pursuing your passions. Continued success. The Patriots are rooting for you! 

We are all Patriots.”

Quinn reportedly began playing football when lacrosse became a non-contact sport, according to Boston 25 News. 

“I’ve always been like gritty, if that makes sense, like I have always been down in the dirt playing around, like I work on a farm,” Quinn said in an interview.

Quinn is also a force in the classroom, leading her more than 800-person senior class with a 5.0 GPA, the outlet reported.

“With her academics and her athleticism and her competitiveness I think she could pretty much do what she wants, and I think colleges are going to be lining up to try and have her attend their school,” assistant Coach Matthew Campbell told Boston 25.

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Though Quinn hopes more girls will follow in her footsteps, she does not think she has “paved the way.” She believes the ball is left in the hands of future girls to keep up the progress.

As of the 2021-2022 season, the National Federation of State High School Associations reported 3,094 girls participated in 11-person football.

Does a High PAYDEX Drive Down My Business Insurance Premiums?

Did YOU Know That Your Business Credit Score Can Affect the Cost of Your Business Insurance?

business credit score tends to not be necessary to apply for an insurance policy. But insurers may ask to access your business data after you apply. High credit scores correspond with low premiums and vice versa. That doesn’t mean you should ignore financials in favor of improving your credit score. Rather, if you improve your company’s credit history by paying down debt or working on payables management, then this could help you save money on business insurance premiums.

Get Ready Before You Apply

Getting ready to apply for business insurance is like preparing to apply for financing. You need to know certain details about your business. If you must have certain coverage before signing a lease or contract, understanding the required coverage will also be key before applying. Doing your due diligence beforehand will save you time and maybe even money.

Part of due diligence is looking for an agent. Make sure you work with an agent who understands your business needs and the best options for you. Then the process can go much more smoothly. It is best practices to find an agent specializing in your industry. Their expert advice can be helpful in the process.

Your Credit Could Affect What You Pay for General Liability Insurance

Data your insurer uses revolves around correlation. Poor credit tends to mean a higher risk. Insurance is all about probability, and the data shows a higher chance of frequent claims and overdue payments, when insurers cover someone with bad credit.

What If You Don’t Have Business Credit Yet?

Having no business credit score won’t prevent you from buying general liability insurance. And it won’t keep you from getting a decent premium. But a good business credit score might get you solid discounts. So, it makes sense to start building PAYDEX and other business credit scores.

Are Your Business Insurance Premiums Affected by What’s in Your Business Credit Reports?

Many business owners have no idea their insurance rate is affected by their credit report. But let’s consider personal credit for a moment. And, since Experian business scores (in part) come from personal credit scores, it does apply to your business credit.

Statistics show that people with high personal credit scores file fewer claims than those with low credit scores, and those with higher scores are less likely to have traffic accidents and traffic violations. Additionally, history in a credit report can show if a business or an individual will pay insurance premiums on time or at all. For that reason, federal law lets insurance companies look at items from your credit report. Carriers do not have to tell you they are using your credit report.

How Insurers Use Your Business Insurance Credit Score

Rates are based on a narrow set of information in your credit report. Carriers can only use those specific types of information; this information together is your insurance credit score. The insurance credit score does not include your FICO score.

The score does include items like the pattern of monthly bill payments, collection activity, total number of outstanding loans, and total number of credit cards. Under the law, your rates cannot increase if you do not have enough credit history to calculate a credit score. If you want to see what your personal insurance credit score is, you can buy a copy of the report from True Credit, a division of Transunion.

It’s smart to review your insurance credit report and make certain everything in it is correct. It is important that you do this to get the best rate you can find.

Using Insurance Credit Scores for Business Insurance

Only some items on your business credit report are considered when you apply for business insurance. The insurance credit score only considers areas of your credit report which apply to the insurance industry. It is against the law to deny an insurance policy based on a lack of credit history.

The items your business carrier will look at include:

  • Number of business credit cards
  • Number of outstanding loans and other debt
  • Average time in which your company pays its monthly bills
  • Collection activity, if any; and
  • Length of credit history

Items that insurance companies CANNOT use when checking an insurance credit report include:

  • Amount of credit available
  • Number of credit inquiries in your company’s credit file
  • Type of credit history or not enough credit history to develop a score
  • Types or issuers of credit cards and debit cards your business carries

Does it Matter So Much if You Don’t Think You Need a Lot of Insurance?

It matters because you can’t get by with no business insurance! Every small business owner needs certain insurance policies to protect them in case the worst happens.

Differing industries will have different degrees of risk. Examine your risks and put together a business insurance plan based on that information. Shop around and find the right carrier for your small business. There are nine basic types of business insurance every small business may need to protect a business.

#9. General Liability Insurance

Every business needs general liability insurance. It will cover:

  • third-party bodily injury
  • third-party property damage
  • advertising injury (accusations of libel, slander, copyright infringement, etc.)

The type of your business, its size, assets, and corporate structure will determine the amount of coverage you need. But this policy won’t cover motor vehicles.

#8. Commercial Property Insurance

If you have a physical address, you should carry commercial property insurance to cover losses of business or personal property. This type of policy usually covers damage to the structure and inventory or property within it from damage from storms, fire, theft, or vandalism. Dovetailing with commercial property insurance, it might also make sense to look at a business owners’ policy (BOP) depending on the size and assets of your business.

Insurance companies will sometimes offer a BOP to small and medium-sized businesses. A BOP policy will usually combine general liability, property insurance, and business interruption coverage. You can often add riders to such a policy. It can be more affordable to bundle the coverage you already need.

#7. Business Interruption Insurance

If property sustains damages, you may not be able to keep your business open during repairs. Hence business interruption insurance can help cover financial losses. It can cover your employee payroll, taxes, operating expenses, debt repayment, and sometimes the cost of a temporary location. Many business owners used business interruption insurance during the height of the Covid-19 pandemic when they had to close their doors.

#6. Workers’ Compensation Insurance

If you hire employees to work in your business, you’re legally required in most states to get workers’ compensation insurance. Workers’ comp protects you and your employees if they’re injured or become ill at work. It can cover an employees’ medical expenses and lost wages while recuperating. If an employee agrees to accept workers’ compensation as part of their hiring package, they often waive the right to sue you for an incident at work.

#5. Commercial Auto Insurance

If you use a vehicle for business purposes, then you need commercial auto insurance. Because if you get in an accident while doing business-related work, your personal car insurance may not cover it. Some insurers will require separate policies for dump trucks and semis.

#4. Product Liability Insurance

If you manufacture or sell any type of product, you can be held liable if that product injures someone, damages their property, or makes them sick. Product liability insurance can help cover associated medical costs, replacement of the purchased product, and even legal fees and settlement costs if your business is sued. Distributors and sellers can be the subject of product liability lawsuits, so, they should consider this form of coverage.

#3. Cyber Liability Insurance

If your business is the subject of a data breach and customer information was accessed or stolen, cyber liability insurance can:

  • Notify anyone impacted by the breach
  • Give them credit monitoring
  • Cover the costs of informing the public (if necessary)

Some insurers call this data breach insurance. Anyone who stores customer information electronically should get it, as your general liability policy won’t cover this.

#2. Professional Liability Insurance

If you run a business where you offer professional advice or are responsible for completing projects—such as a doctor, lawyer, or architect—you need to carry professional liability insurance. It’s also called errors and omissions insurance. This policy can protect you and your business if you’re accused of negligence (or were negligent), missed deadlines, undelivered services, or breach of nondisclosure/copyright insurance. Doctors and other professionals often must carry a specialized type of professional liability—malpractice insurance. But even plumbers, realtors, and event planners can use professional liability coverage.

#1. Commercial Umbrella Insurance

At times, it can be more affordable for a small business to purchase an umbrella policy, instead of increasing the limits of an underlying policy. An umbrella policy may also cover business risks that an underlying policy excludes. Hence, if the policy limits of your general liability policy are exhausted, umbrella insurance can step in to cover whatever remains. But umbrella policies can’t and won’t cover everything.

Does a Home-Based Business Need Insurance?

You may be wondering if any of this can apply to you. You may not have a physical business location. But your homeowners’ insurance will only cover some of any damage to business property. And most if not all the other insurance policies apply, too.

Other Types of Insurance to Consider

A small business may do well to consider key person insurance. With key person insurance, if there’s one person—this could be you—key to the operation of your business, the business won’t grind to a screeching halt if that key person were out for a long time (say, with Covid). This coverage can help cover any associated monetary losses for a certain time until your business replaces this person, or they return to work.

Two other types of consider are commercial crime insurance, and equipment breakdown coverage. Crime insurance can protect your business if you’re robbed (even by an employee). It can help cover financial losses other types of insurance may not. Equipment breakdown covers damage to or the loss of your A/C systems, boilers, furnaces, and computers and other electronics, if damaged by power surges or they break down.

If you’ve got employees, then you may be thinking about offering employee benefits. Often, depending on the size of your business, you must provide disability insurance, health insurance, and other insurance, like life insurance, to help protect your employees. But with good business credit, you may be able to save on all these types of insurance.

Finally, Pay Attention to Your Policy

It’s best practices to take time to revisit your policy, especially if you change parts of your business and need new coverage. Experts say you should search every three years or so for a new policy. This is to make sure you’re not only staying current on your coverage but getting the best rate.

Business Insurance and Business Credit: Takeaways

The strength of business credit scores like PAYDEX can affect the price of your policies. Insurance carriers tend to look at open debts and collections, and how quickly your business pays its bills. Paying on time and keeping accounts out of collections can help both your business credit scores and what you’ll pay for premiums—for any type of business insurance.

The post Does a High PAYDEX Drive Down My Business Insurance Premiums? appeared first on Credit Suite.

High Risk NAICS Codes

What are High Risk NAICS Codes?

High risk NAICS codes can be the difference between getting business funding … or not. But what are they?

What Do High Risk NAICS Codes and Names Have to Do with Funding Denials?

There are certain industries that are perceived by lenders as extra risky. If your business appears to be part of one of these industries, you could be looking at automatic denial. At the least, you may be subject to stricter underwriting, as well as higher rates and less favorable terms.

Lenders make a judgement of what industry your business is in based on a couple of things. First, they look at your business name. Then, they look at your business code. This could be either SIC or NAICS codes

So, your job becomes finding a way to keep from getting a denial automatically, based on your industry code or business name. Yet, you still have to be honest. Integrity is of the utmost importance and lack of it could cause future denials and even criminal charges.

What are High Risk NAICS Codes?

The North American Industry Classification System (NAICS) is a somewhat recently instituted business classification system. It is used to classify business establishments, and collect , analyze, and publish statistical information related to the economy of the United States.

High Risk SIC Codes vs High Risk NAICS Codes

For each NAICS Code there may be multiple SIC codes, as SIC codes break down more specifically.

For example, there are over 30 SIC codes under the Engineering Services code of 8711. The NAICS code for Engineering Services is 541330. While the plan is to fully switch to the NAICS system, many industries still have the old SIC system deeply ingrained. For this reason, the switch hasn’t happened exactly as planned, and currently both systems are in place.

What are SIC Codes?

SIC (Standard Industrial Classification) is a part of a business classification system. It’s a four digit number that the US government assigns to businesses. It makes it easier to identify the primary activity of the business. Lenders and others use it as an indicator of the kind of business a company is in.

The Securities and Exchange Commission (SEC) developed the SIC Code system. The first four digits signify the general industry of a business. For example, 8711 refers to Engineering Services. Then, numbers add to the end of this 4 digit chain to add specificity.

For example, 817701 is Naval Architects, while 871103 is Engineers-Agriculture. And 871105 is Contractors- Engineering General. There are over 30 individual codes under the 8711 Engineering services code.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Key Differences Between SIC and NAICS Codes

  • SIC Codes: Developed solely by the U.S. government
  • NAICS: Developed in conjunction with the U.S., Canadian, and Mexican governments
  • SIC Codes: Groups together establishments in terms of either demand or production
  • NAICS: Groups together establishments that use the same or similar processes to produce goods or services
  • SIC Codes: Active use for business targeting in the private sector
  • NAICS: Active use for government statistical purposes

High Risk NAICS Codes and the IRS

You choose a SIC code to report to the IRS. They will use it to determine if your business tax returns are comparable to other businesses in your industry. If your deductions aren’t reasonable when compared to other businesses in your industry, as determined by SIC code, you could be audited. Therefore, choosing the right SIC code with the IRS is essential. NAICS codes are going to replace this system soon.

High Risk NAICS Codes and Your Business

Certain codes are associated with industries posing more risk than others. If you happen to choose one of these high risk codes unnecessarily. You may get a funding denial. If you understand how the system works, you can choose the best code the first time.

Some examples of high risk industries include:

  • casinos
  • pawn shops
  • liquor stores
  • automotive dealers
  • even restaurants

As with any business aspect, risk must be taken into consideration. Each industry code has its own inherent issues. Still, some industries are thought to be riskier than others by their very nature.

An industry may be seen as risky if there is a high chance of injury, either to workers or to customers. Or it may be considered risky if there is a high chance of theft. This is true despite how the business is doing, and despite its safety record or the accuracy and dependability of its security system. Even if a business is doing great, it could be seen as risky simply due to the nature of the industry.

High Risk NAICS Codes and Funding

So, if your SIC code or NAICS code indicates your business is part of a risky industry, what does that mean? The main issue is that it could make it difficult to get funding for your business. There are several industries that lenders are hesitant to lend to. Some of these industries are subject to stricter underwriting guidelines. And some cannot get funding at all.

In these cases, the business must seek out other funding options. These options could include:

  • Angel Investors
  • Venture capital
  • Crowdfunding
  • Business credit building and more

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

What’s the Solution for Getting Funding with a Risky NAICS Codes?

It’s key to remember, you get to choose your SIC code. While you want to be honest, you can be general. You do not have to be more specific than necessary. For example, restaurants are risky, but if you also sell boutique items, you can use a SIC code related to that. If more than one SIC code can apply, be sure to choose the one that is the least risky in the eyes of lenders. There is nothing underhanded or unethical about doing so.

Bonus: Business Names and Risk

As already mentioned, your business name can indicate risk. That is, if it indicates you are part of a high risk industry. For example, auto sales is considered a risky industry. You do not have to name your business “Joe’s Used Auto Sales”. You can just name it “Joe’s” and be done. There is nothing unethical or underhanded in doing this, either.

Codes and Names Are Not the End Game

Of course, choosing a SIC code and name that does not indicate risk isn’t a guarantee of funding. There are many other factors that go into a lender’s funding decision including fundability. However, if you choose the wrong code or business name, the lender may never see how fundable your business really is.

What are Some High Risk Industries?

    •  Auto, RV or boat sales
    • Computer and software related services including programming
    • Dry cleaners
    • Gas stations or convenience stores
    • Long distance or “over-the-road” trucking
    • Mobile or manufactured home sales
    • Phone sales and direct selling establishments
    • Real estate agents/brokers
    • Real estate developers or land subdividers
    • Restaurants or drinking establishments
    • Taxi cabs
      • This includes the purchase of cab medallions
    •  Travel agencies

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

How Else are SIC and High Risk NAICS Codes Used?

Currently, both codes are in use. Not by banks just to determine whether or not to lend. Other ways agencies use these codes include:

    • The Department of Revenue may use them for legislative purposes
    • They can be used to extend government offered incentives
    • To keep taxpayers within a specific industry aware of changes to laws. These codes are used by the IRS for multiple purposes:
    • To determine product classes in retention to exchanges of property or depreciation
    • For comparative purposes, for example, if your information doesn’t track with others under your code, it could flag you for an audit
    • These are just examples, there are too many to list

And they can be used by the SBA categorize your business. This is especially true when it comes to applying for government contracts. You must meet size standards for contracts, and the SBA assigns a specific size standard to each NAICS code. The SBA also uses NAICS codes to determine eligibility for the Women-Owned Small Business Federal Contracting program. They keep a list of qualifying codes.

High Risk NAICS Codes: Takeaways

Businesses need funding, but if your business is perceived to be a part of a risky industry, you may get a denial. SIC Codes, NAICS Codes, and Business Name all contribute to the risk perception of lenders. Choosing the wrong code or name for your business could get you an unnecessary automatic denial for funding.

The post High Risk NAICS Codes appeared first on Credit Suite.

How to Build High Quality Backlinks in a Scalable Way

Link building used to be simple: you would write a bunch of articles, submit them to an article submission site, and get an external link back to your site.

That doesn’t work in the post-Penguin era. While the right backlinks can grow your Google rankings, revenue, and brand, the wrong ones can get your site penalized. You need to learn how to build a high-quality backlink portfolio the right way if you want to see success.

In this in-depth post, I will show you a strategic link building technique that works. It is scalable, and when you apply it to your site, your rankings should improve. You may even improve your conversion rate because you are working as the high authority on the topic to search engines.

In this post I’m going to cover:

  1. Understanding what Google wants
  2. How to scale your link building efforts
  3. Keyword research and targeting
  4. How to earn editorial links

Why is an Effective Backlink Portfolio Important?

Backlinks remain a vital Google ranking factor. These days, an effective link building strategy is about trust and popularity.

According to Quick Sprout, domain trust/authority represents 30% of Google’s ranking algorithm.

backlinks are 30% of google's ranking factors

About half of all SEOs spend $10,000 or more per month on getting backlinks.

If you’re making that kind of investment, you need to have accurate information on how to build links that Google will trust.

Step #1: Understanding What Google Wants Helps You Get Backlinks

When it comes to search engine optimization (SEO) and marketing, Google dictates what works. By creating content that aligns with Google’s mission, you’re more likely to rank higher in the SERPs.

understanding what google wants to get backlinks

Google also believes that there’s always more information out there. With external link building, organizing information (to help your reader) becomes your mission, too. When you pay close attention to what your readers and ideal buyers want, you don’t have to use hype to sell your products.

If you want to get backlinks without getting penalized, you must understand and work closely with Google’s mission statement. If you fail to do that, the technique won’t work.

Before you start building a website link to your web page, ask yourself these questions relating to Google’s mission:

  • Is my content well-organized?
  • Do I provide useful information to the sites that will link to mine?

Let’s talk about the first question because for effective link building, site organization matters.

When people come to your site, do you leave them wondering what else to do (especially the first timers)? Make sure that your site is easy to navigate. Here’s a great example:

example easy site navigation that helps gain backlinks

Here’s another site with disorganized navigation:

example of good site navigation to help gain backlinks

Getting the navigation right is the first step in organizing your content so that people and search engines can find information that’s useful and relevant. The second step is to build a foundation that will make other sites want to create an external link to yours.

How to Develop a Strong Backlink Foundation

Let’s say that you have written and published a useful post and want to get it ranked on Google. You may assume the best way to accomplish this is by gaining lots of backlinks.

This isn’t correct. If you generate links to new content too quickly, it looks manipulative and that can be a red flag for Google.

website types that affect backlink  success

The better solution is to help Google find and index your useful content. Once it’s indexed, you can go ahead and get real links that can improve your rankings.

How to Help Google Find and Index Your Content

In order to get backlinks to your site, you need to get your site indexed. There are a few ways to do this.

I published a data-driven infographic on how Google uses social signals to determine rankings. Other methods can be found here.

Step #2: Scale Your Backlink Building Efforts

Many people find link building and link acquisition stressful. One reason is they are not producing great content that people will gladly share.

In Moz’s classic book “How to Rank,” Cyrus Shepard recommends that “90% of your effort should go into creating great content, and 10% into link building.” This is the 90/10 rule of link building.

90/10 rule of backlinks

As harsh as it sounds, Shepard says that if you are struggling to generate a high-quality backlink to your site, it’s likely that you have reversed the rule.

If you want to succeed with scalable link building, you need quality content that will warrant high PR (page rank).

Link building is all about positioning your content and getting more people to link to you. In other words, a single post can be used to gain many quality links to your site.

A high-quality external link has two key advantages over traditional links: relevance and trust. Here’s the difference:

Let’s say that you have a dog training site and you get an inbound link from an article directory. Google won’t see that website link as relevant to the subject of your site.

However, if that link acquisition is from a site that’s related to dog training, like a dog food store or a discussion board that’s centered around dogs, you will not only improve your rankings, but your site will be relevant and valuable to those who visit it – and, that will help you get with more link acquisition and achieve a high PR.

How do you find authority sites where you can build relationships and start the process of gaining relevant backlinks?

The simplest way is to google keywords that bring up sites that are relevant to your field. You can filter out the ones from your competitors.

Once you have identified some sites, then you need to research them further to figure out which ones will help most in your link building efforts. You should take the following factors into consideration.

1. Domain Authority

It’s important to know the domain authority of the sites that you consider for link acquisition. A great tool for this is the Moz Bar, which shows the authority status of any domain or keyword in the search results.

domain authority for backlinks

2. Domain Relevancy

As I said above, getting links from relevant domains is a key part of scalable link building. Domain relevancy is also a key Google ranking factor and is especially important if you want to escape the impact of Google Penguin on your search engine rank.

3. Anchor Text

According to a study, “every single site that they looked at that got negatively hit by the Penguin Update had a “money” keyword as its anchor text for over 60% of its incoming links.”

That tells you that if you want to scale your external backlink efforts, you must combine domain relevancy with the right anchor text.

Anchor text is important when assessing the quality of a site. In the image above, 704 sites are linking to Nerd Fitness through branded anchor text (nerd fitness).

When you are building an external link, you should use your brand name with other keyword variations. You could call this branded hybrid anchor text.

For instance, if your site is reiv.com.au, a real estate training site, you can use any of these anchor text variations to generate backlinks:

  • reiv real estate training
  • reiv realtors
  • reiv training for beginners

You could also vary the anchor text by using URLs with your target keywords:

  • http://reiv.com.au real estate
  • http://reiv.com.au estate training
  • real estate training at www.reiv.com.au

With the right approach to quality content, domain relevancy, trust flow, and anchor text, you will enjoy the benefits of real traffic and external links to your site.

Two-Tier Strategy for Backlinks

A two-tier linking structure will help you increase the strength, juice, and potential of your inbound links.

2 tier strategy for backlinks
  • Tier 1 backlinks are links you earn/build directly to your site.
  • Tier 2 backlinks are links that directly pass the ranking value to tier-one links.

If you get a link to your ‘money page’ from a new post on someone else’s blog, that website link may not add much value to your site ranking.

Most of the time, direct backlinks to your site can take a while to have an effect. However, when you strengthen those backlinks, you will see a bump in organic traffic and rankings.

One way to strengthen those links is with social signals. When you pass social signals to your tier 1 backlinks (i.e. sites that linked to you), you will ultimately boost their effectiveness and this will improve your overall Google rankings and get you that high PR you desire.

As for tier 2 backlinks, there are 3 simple steps that you need to follow:

Step #1: Write valuable articles and post them on web 2.0 sites, like Tumblr, Web Node, and Blogger.

Let’s use Tumblr as an example.

First, create and publish your blog.

tumblr 1 - adding blog post to improve backlink portfolio

Next, click “Add Text”:

step 2 in tumblr to add your blog post- using tumblr helps improve your backlink portfolio

Next, add your post title and content, then publish.

publish article on tumblr to improve backlink portfolio

Step #2: Get your Tumblr page indexed by sharing the post URL on Google+ and Facebook and pinging it at Pingomatic. Pingomatic will syndicate your URL to major content aggregators.

using pingomatic to help with your backlink strategy

Wait for the site to get crawled and indexed. This should take less than 6 hours. To check, go to the Google search engine and paste your Tumblr URL into the search box.

check if your article has been indexed. it must be indexed to gain backlinks

Step #3: Once indexed, use a branded keyword on the Tumblr page to link back to your site:

using a branded keywork to help improve your backlink portfolio

This backlink should point directly to your site, but it may not have a strong impact on your rankings. Not everything you do will be like a press release covered by the nightly news. There is still value, however.

In that case, create a tier 2 structure for this Tumblr page. Remember that your link is already there, so all you have to do now is build more authoritative links to your Tumblr page.

You can accomplish this by:

Caution: when you’re using a tier 2 link building structure to strengthen your tier 1 backlinks, avoid anchor text over-optimization. Make sure that you aren’t just using this tactic for link acquisition. The new page or site that you create on platforms like Tumblr should be valuable and beneficial to users. From there, you can add a website link.

Use generic anchor text. For example, if the keyword you’re targeting is ‘UK military base,’ your anchor could be:

  • Learn more about military bases in the UK
  • Visit this UK military base

In other words, don’t link to your web 2.0 site with an exact match keyword/anchor text combination. This will actually hurt your site’s rank.

Step #3. Keyword Research and Targeting to Improve Your Backlink Portfolio

When building links that scale, it’s all about providing relevant content, so that people will keep linking to it. Keyword targeting is an important aspect of that.

For example, Moz also got great results in the early SEO days with a focused keyword strategy. In particular, long-tail keywords represented 80% of Moz’s organic traffic when compared to popular seed keywords:

long tail search traffic helps build backlinks

How relevant are your keywords to the prospects’ needs? If you want to make your site more powerful through external link building, you can’t afford to ignore keyword research.

Keyword research helps you to dig into the minds of your target audience.

For example, what happens when you conduct a keyword search in your industry for something like “best social media strategist in NY.”

First, the people searching for that long-tail keyword are interested in talking/working with a professional who understands social media marketing. They don’t want a newbie writing a boring press release, but a strategist; someone with a proven track record.

Second, they are only interested in social media strategists who live in New York, which means that they might be a local business owner wanting a face-to-face meeting.

If you were in that niche, let’s see how you could find suitable keywords to focus your content in the search engine and attract small business owners who need help with social media marketing.

To start with, let’s use Google AdWords Keyword Planner.

Step #1: Log into your account and select “Start Now.” Once you’re logged in, you answer a series of questions so Google can better understand your business and which keywords you should target.

After you complete the questions, Google will show you keyword themes that may be relevant for your business. You can click the ones that you want to target.

google keyword planner to help with backlinks

Step 2: You can use some of the themes for your keywords, or you can use tools like Ubersuggest to find additional keywords that relate to the themes Google showed you.

Take care to only include keywords that appeal to your target audience.

For example, if your target audience is a business that is looking for a social media strategist, you can use keywords such as:

  • social media strategist
  • social media marketing strategist
  • social media marketing company
  • social media consultant

The people searching for the two keyword phrases above are probably freelancers looking to make extra money through social media marketing. Your target audience is the business looking to hire the strategist, not the freelancer.

Never target keywords that are off-topic or unrelated to your core message, products or services. They are not your ideal target audience, so those aren’t the right keywords for you in link acquisition.

When you build a website link, you don’t want to use anchor text that will make site visitors bounce. Remember that scalable link building is concerned with the relevancy of the linking domain.

Targeting Consumer Demographics

This is another essential targeting element for link building. When you know your audience’s demographics (age, gender, education, and so on), you can get inside their heads. When you do, you’ll be able to create useful content that helps them solve their problems. That’s a key component in building organic links that gets you positive results with a high PR.

The Columbus Metropolitan Library has useful resources to help you identify your target audience. Lock Haven University Library also shows how the U.S. census can show the number of people in the country who fit your target demographic.

To find out the audience demographics for your site, visit Quantcast, sign up, and input your site URL in the search bar. Scroll down to see the demographics:

demographics are import for getting backlinks

This image shows the demographics at Metacafe. It clearly shows that most of the site’s target audience (readers) are male and aged 35 – 44. It also has many readers in the 25-34 age group.

You can also visit pages that track demographics like location, education level, income level, etc.

Automate for Social Signals

If you’re going to build social signals, you need to leverage automation with tools like Social Pilot.

using tools to automate social media actions, helping you earn backlinks

If you want to get social signals to scale link acquisition and achieve great results, you need to create them continuously by sharing your content.

Manual syndication can be time-consuming though. Imagine how long it would take for you to share your latest post on the top 20 social media networks.

Other Link Building Tools

Here are some more external link building tools that you can use to analyze keywords, referring domain names, anchor text and so on:

  • Open Link Profiler: a powerful tool for link diagnosis and industry checks.
  • Open Site Explorer: use this tool from Moz to determine the number of backlinks and the domain authority of referring domain names.
  • nTopic: a simple tool for topic analysis. It helps you plan content creation from scratch so that you can effectively target the right keywords and improve your rankings.

Step #4: Earn Editorial Backlinks

Earning editorial backlinks from authority sites will really skyrocket your external link-building strategy. To earn those links, you have to provide immense value. You can’t just put some text together and pray for miracles. Here are some techniques to help you gain quality backlinks.

1: Skyscraper Technique

After several years of struggling to get traffic, Brian Dean cracked the external link building code. Once he implemented it, hundreds of people started linking to his first-ever infographic and he received a little above 50,000 unique visitors with tremendously high PR:

earning editorial backlinks

If you want to do the same, use Brian’s skyscraper strategy to:

  • Find successful content in your niche
  • Bring it up to date
  • Make it more thorough

To learn more about this strategy, check out this post on how Brian Dean used the three techniques above to get 40,000 visitors to his first infographic.

2: Research Your Competition’s Backlinks

The first tool I recommend is Moz’s link explorer. Visit the site and input your competitor’s blog URL. Let’s see which of their posts got the most shares and comments (engagement).

First, enter the URL in the search bar.

backlink explorer tool

Next, log in by providing some basic information. Once you’re logged in, Moz will display detailed information about URL provided. Scroll down the page to see the top websites linking to the domain you entered.

top followed backlinks to competitor

Next, you can click on “Top followed links to this site” to see more information.

URL info for backlink strategy

Look for the URLs that have high domain authority and are on the topic of your post. These are the URLs you should be targeting for backlinks.

3: Write a Better Headline & Title

In order to grow your business, you need to take actionable steps that will get you results. One such action is to write better headlines than your competitors.

Here are three examples of good headlines:

  1. How You Can Grow Your Email List Through Content Marketing
  2. 6 Steps To Attract More Customers To Your Store Through Content Marketing
  3. How a Simple Content Marketing Strategy Improved My Google Rankings by 110%

Adding numbers in titles works. I’ve seen a lot of articles go viral because the headline has a number.

headlines for backlinks 1
headline for backlinks example 2
viral backlink headers

If you can write better headlines, the chances of your post going viral are high.

4. Provide Value Within Your Content

Here are some ways to ensure your content is valuable:

  • Craft more clickable, specific, and benefit-driven headlines.
  • Include data points in the post.
  • Make your post longer. Ideally, write a 2000+ word post, since blog post length affects Google rankings.
  • Use charts, screenshots, and quality images to back up your points, not just text with an external link.
  • Avoid personal opinions and include scientific research studies and experiments.
  • Link out to relevant authority blogs to provide more value.
  • Ask emotional questions.
  • Mention power users, experts, and popular bloggers.
  • End with a call-to-action (you can include a giveaway of a checklist related to your topic).

If you follow this proven checklist, you’ll be able to write more thorough, useful, and data-driven blog posts that will stand the test of time. This is how you get a high PR.

5. Send a Thank You Email

Send thank you messages when you mention authors and site owners in your post. They might be more willing to give you a backlink if you send a thank you.

The email template below was introduced to Backlinko’s founder by Peep Laja of ConversionXL.com. It may be brief, but it helped Laja to grow his blog to 100,000 visitors in less than 12 months:

example email for backlink outreach

6. Guest Blogging

Guest blogging used to be very powerful, but you need to do it the right way.

For your guest blog to be successful, you must provide useful content.

If you produce helpful and sharable posts, people will naturally want to add a website link to you.

To get you started, here is the ultimate guide to guest blogging.

7. Gain Trust With Comments

You can use commenting to gain authoritative links.

Links from comments may not have much SEO value, but they can be natural and relevant, which are among the key factors that Google values. Here’s how you get backlinks from comments:

  • Search for blogs with the dofollow CommentLuv plugin installed.
  • Subscribe to post updates for at least 5 blogs.
  • Speed matters. Once you get an alert that a new post has been published, quickly read the post (if it’s a long one, read the first two paragraphs and then the last part to get the main points).
  • Write a valuable comment. Avoid comments like, ‘nice post’, ‘awesome write up,’ or ‘this post helped me.’

Here’s the kind of comment that can generate traffic and links back to your site:

example comment to gain backlinks

This comment is rich, helpful, and well written, so readers can benefit not just from the blog post, but from the comment, too. And, of course, the commenter has linked back to his site in the URL field.

Here’s another example, from a guy at Moz who left a wonderful comment and then linked to his blog post:

comment example 2 for earning backlinks

Conclusion

These days, you need to come at your website from all angles if you want to create a successful and scalable backlink strategy. You should consider things like quality content, easy site navigation, effective CTAs, etc.

By taking a holistic approach to improving your website and marketing strategies, you are more likely to earn backlinks from authoritative sources, which, in turn, can improve your

Link building has been an effective strategy for achieving high PR with Google rankings, even before the first Panda update. I believe it still is, as long as you do it right.

If you want help creating a backlink portfolio or assistance with digital marketing strategy and management in general, reach out for a consultation. We’re here to help!

Have you experimented with scalable external link building?

The post How to Build High Quality Backlinks in a Scalable Way appeared first on Neil Patel.

Alternatives To High Risk Mortgage Refinancing

Alternatives To High Risk Mortgage Refinancing

Many financiers locate themselves in a cash money problem at once or an additional. Jobs, restorations, modifications in home mortgage terms as well as rates of interest, local charges and also tax obligations, it can all accumulate.

This leaves capitalists clambering to stabilize their profiles. The majority of re-finance with an eye on home mortgage items with reduced regular monthly settlements. The present item of option is the rate of interest just home mortgage.

This home mortgage allows homeowner pay the passion component of a financing monthly, while making funding repayments at a later day.

Various other aspects require to be taken right into account, such as shutting costs, funding prices, and also rate of interest prices. What might feel like a short-term remedy can become a long-term problem.

If the passion just home mortgage will certainly be acquired for greater than 2 years, the capitalist will certainly pay two times the rate of interest for 2 years, which can include thousands of bucks to at the home mortgage. This kind of home mortgage turning additionally makes it tough to approximate just how rapidly the home mortgages will certainly be repaid.

The price of changing home mortgages in between passion just as well as dealt with price home loans can be high. If the capitalist takes out a $200 000 home mortgage as well as makes repayments for 10 years, the capitalist still owes $200 000.

This suggests that the financier is paying a high rate for the opportunity of having reduced regular monthly costs for a year or 2.

Something that triggers financiers problem is that the rate of interest just home mortgage requires the capitalist to shed their earnings for a year, or extra, till the home loan is re-financed. This alone need to make financiers be reluctant prior to authorizing a rate of interest just home loan contract for their financial investment residential or commercial properties.

The second problem with the passion just home loan is that it does not complimentary any kind of equity from the house to develop earnings for the profile, when the home is offered. Both of these are essential elements of any kind of effective building financial investment technique.

There are choices. As heart-breaking as it might appear, marketing a non-performing residential or commercial property will certainly eliminate the cash money problem, and also shield future revenues. Place several of the earnings in a savings account where it can be made use of to take advantage of equity, protecting against the capitalist from being compelled to think about a harmful home mortgage item.

The financier still earnings, on a yearly basis, also without turning the residential property. The financier is not bound to return any of the cash to the tenant– plus the financier still possesses the building.

As soon as every 5 years, the ordinary individual actions. Incorporate this with the reality that tenants that think they are buying the house will certainly take much better treatment of the residential or commercial property, as well as the financier has actually developed a great deal that raises their revenue stream while safeguarding their financial investments.

Smart spending needs greater than comprehending market fads. Occasionally a financier can prevent a calamity by taking a great consider options to the standard techniques of investing, setting up funding, and also turning buildings.

The present item of selection is the passion just home loan.

The price of changing home loans in between rate of interest just as well as dealt with price home mortgages can be high. If the financier takes out a $200 000 home mortgage as well as makes repayments for 10 years, the capitalist still owes $200 000. The second problem with the passion just home loan is that it does not totally free any type of equity from the house to develop earnings for the profile, when the home is marketed. Place some of the revenue in a financial institution account where it can be made use of to utilize equity, avoiding the capitalist from being required to take into consideration a harmful home mortgage item.

The post Alternatives To High Risk Mortgage Refinancing appeared first on ROI Credit Builders.

Alternatives To High Risk Mortgage Refinancing

Alternatives To High Risk Mortgage Refinancing Many financiers locate themselves in a cash money problem at once or an additional. Jobs, restorations, modifications in home mortgage terms as well as rates of interest, local charges and also tax obligations, it can all accumulate. This leaves capitalists clambering to stabilize their profiles. The majority of re-finance … Continue reading Alternatives To High Risk Mortgage Refinancing

High Risk, Moderate Risk And Low Risk Investments

High Risk, Moderate Risk And Low Risk Investments

For those wanting to invest, you should comprehend that a number of monetary investments can be categorized as being high danger, small danger as well as likewise lowered hazard. It is furthermore unbelievably essential to educate on your very own pertaining to the numerous monetary investments easily offered to you so you can uncover those that fit excellent with your particular situation in addition to lifestyle.

Minimized Risk Investments
While minimized threat monetary investments are normally incredibly decreased trick along with rarely are marketed or extremely fancy, they do provide conventional plutocrats an approach to preserve money for the extensive or quick term without the hazard consisted of that you situate in different other kinds of investing. Minimized risk monetary investments usually pay one of the most cost effective returns, yet are a lot less unpredictable than great deals of different other sort of economic investments. While lowered risk monetary investments do not provide high returns, they do make use of protection as well as additionally defense for those that can not spend for to lose money or would absolutely merely such as to remain free from as much hazard as practical.

Small Risk Investments
Moderate threat monetary investments are optimal for those that have an interest in investing for the prolonged term as well as additionally would absolutely such as to make small returns. Moderate risk monetary investments are typically particular sort of products, bonds as well as additionally usual funds that pay handsomely over the prolonged term. Small risk monetary investments usually return yields of 5% to 12%.

High Risk Investments
High risk monetary investments are those monetary investments that if you are privileged can return significant returns, however the decrease is that they can be remarkably uncertain along with in a great deal of situations in contrast to acquiring bountiful off your monetary investment, you find by yourself losing some or all of it. High risk monetary investments include dollar products, worldwide products, some type of Forex careers, and so forth. The skies is the restriction for returns, yet a number of high risk economic investments- if taken into account a victor should return yields that differ from 10% to 30%++.

For those looking to invest, you should recognize that a number of economic investments can be identified as being high hazard, small hazard as well as additionally minimized threat. High risk monetary investments are those monetary investments that if you are lucky can return considerable returns, nonetheless the economic crisis is that they can be exceptionally unpredictable as well as additionally in whole lots of circumstances instead of acquiring bountiful off your economic investment, you situate on your very own losing some or all of it.

Minimized risk economic investments usually pay the most cost effective returns, yet are a lot less unsteady than great deals of different other kinds of economic investments. High risk monetary investments are those monetary investments that if you are lucky can return considerable returns, however the decrease is that they can be remarkably uncertain as well as in a great deal of instances as opposed to acquiring plentiful off your economic investment, you find on your very own losing some or all of it. For those looking to invest, you should recognize that a number of monetary investments can be identified as being high hazard, moderate danger as well as likewise decreased risk. High threat economic investments are those economic investments that if you are privileged can return significant returns, however the economic downturn is that they can be extremely unsteady as well as additionally in great deals of circumstances instead of getting plentiful off your monetary investment, you find on your very own losing some or all of it.

The post High Risk, Moderate Risk And Low Risk Investments appeared first on ROI Credit Builders.

High Risk, Moderate Risk And Low Risk Investments

High Risk, Moderate Risk And Low Risk Investments

For those wanting to invest, you should comprehend that a number of monetary investments can be categorized as being high danger, small danger as well as likewise lowered hazard. It is furthermore unbelievably essential to educate on your very own pertaining to the numerous monetary investments easily offered to you so you can uncover those that fit excellent with your particular situation in addition to lifestyle.

Minimized Risk Investments
While minimized threat monetary investments are normally incredibly decreased trick along with rarely are marketed or extremely fancy, they do provide conventional plutocrats an approach to preserve money for the extensive or quick term without the hazard consisted of that you situate in different other kinds of investing. Minimized risk monetary investments usually pay one of the most cost effective returns, yet are a lot less unpredictable than great deals of different other sort of economic investments. While lowered risk monetary investments do not provide high returns, they do make use of protection as well as additionally defense for those that can not spend for to lose money or would absolutely merely such as to remain free from as much hazard as practical.

Small Risk Investments
Moderate threat monetary investments are optimal for those that have an interest in investing for the prolonged term as well as additionally would absolutely such as to make small returns. Moderate risk monetary investments are typically particular sort of products, bonds as well as additionally usual funds that pay handsomely over the prolonged term. Small risk monetary investments usually return yields of 5% to 12%.

High Risk Investments
High risk monetary investments are those monetary investments that if you are privileged can return significant returns, however the decrease is that they can be remarkably uncertain along with in a great deal of situations in contrast to acquiring bountiful off your monetary investment, you find by yourself losing some or all of it. High risk monetary investments include dollar products, worldwide products, some type of Forex careers, and so forth. The skies is the restriction for returns, yet a number of high risk economic investments- if taken into account a victor should return yields that differ from 10% to 30%++.

For those looking to invest, you should recognize that a number of economic investments can be identified as being high hazard, small hazard as well as additionally minimized threat. High risk monetary investments are those monetary investments that if you are lucky can return considerable returns, nonetheless the economic crisis is that they can be exceptionally unpredictable as well as additionally in whole lots of circumstances instead of acquiring bountiful off your economic investment, you situate on your very own losing some or all of it.

Minimized risk economic investments usually pay the most cost effective returns, yet are a lot less unsteady than great deals of different other kinds of economic investments. High risk monetary investments are those monetary investments that if you are lucky can return considerable returns, however the decrease is that they can be remarkably uncertain as well as in a great deal of instances as opposed to acquiring plentiful off your economic investment, you find on your very own losing some or all of it. For those looking to invest, you should recognize that a number of monetary investments can be identified as being high hazard, moderate danger as well as likewise decreased risk. High threat economic investments are those economic investments that if you are privileged can return significant returns, however the economic downturn is that they can be extremely unsteady as well as additionally in great deals of circumstances instead of getting plentiful off your monetary investment, you find on your very own losing some or all of it.

The post High Risk, Moderate Risk And Low Risk Investments appeared first on ROI Credit Builders.

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