Brian Forde brought a background in technology to his run for Congress. Q: You’ve said Zuckerberg’s testimony was an embarrassing example of how poorly Congress understands tech. What will it take to close that gap?A: I think that we are going to need more congressional hearings that look like the Zuckerberg hearing, in which Congress makes a fool of itself with regard to science and technology. Once we have more of these examples, it becomes part of a greater national narrative of what we need in Congress.Q: How can scientists help?A: The thing about technology is that before the ink is dry on a piece of legislation, the technology has already changed. So you need people who understand where it’s going and can see around corners. The problem is that if the only thing a member of Congress has heard about technology are 4-minute attacks from people who don’t know what they are talking about, it’s going to be very hard to have a productive conversation with that member in a way that helps Americans.But here’s a thought: How many scientists have sent their member of Congress a one-pager, a blog post, or a research paper with a note that says, “Here’s a quick way to help you get up to speed on this issue, because I heard you say something that wasn’t quite accurate? Or would you like me to host a roundtable, bringing together people with expertise on this issue?”Those types of efforts can massively impact the perspective of an elected official—or even a candidate. Of course, there’s still the question of whether the member or the candidate is willing to listen.Q: What’s next for you?A: It’s too soon to say. I haven’t even talked about it with my wife [Alison Grigonis, a lawyer who also worked in the Obama White House as a liaison between the president and his Cabinet]. But I’m effusively supportive of Katie [Porter] and have told every one of my supporters that I would appreciate if they would consider doing so, both in terms of financial support and in volunteer hours. And I’ll do anything she asks of me, because the most important thing is to flip this seat. Forde for Congress By Jeffrey MervisJun. 28, 2018 , 8:30 AM For many first-time congressional candidates with science and technology backgrounds, fundraising can be a major obstacle. Not to Brian Forde, who was once a senior technology adviser to former-President Barack Obama. Forde managed to outpace his Democrat rivals by raising some $1.5 million for his southern California House race, including more than $300,000 in contributions via cryptocurrencies.But on 5 June Forde received only 6% of the vote, leaving him a distant fourth in the open, top-two primary to represent California’s 45th congressional district in Orange County. Democrat Katie Porter, a law professor at the University of California, Irvine (UCI), edged out fellow UCI law professor Dave Min for the right to challenge incumbent Republican Mimi Walters in the November general election.The 38-year-old Democrat stands by his message that Congress needs more technologists to do its job. Exhibit A, he says, are all the legislators who struggled to keep up with Facebook CEO Mark Zuckerberg when he testified this spring. But the knowledge gained from a tech career that gave him the chance to brief Obama on the emerging world of cryptocurrencies—and then to create a digital currency initiative within the Media Lab at the Massachusetts Institute of Technology in Cambridge—wasn’t nearly enough to win a seat in Congress. Political smarts are even more important, he acknowledges.Sign up for our daily newsletterGet more great content like this delivered right to you!Country *AfghanistanAland IslandsAlbaniaAlgeriaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBolivia, Plurinational State ofBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCongo, The Democratic Republic of theCook IslandsCosta RicaCote D’IvoireCroatiaCubaCuraçaoCyprusCzech RepublicDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and Mcdonald IslandsHoly See (Vatican City State)HondurasHong KongHungaryIcelandIndiaIndonesiaIran, Islamic Republic ofIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People’s Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People’s Democratic RepublicLatviaLebanonLesothoLiberiaLibyan Arab JamahiriyaLiechtensteinLithuaniaLuxembourgMacaoMacedonia, The Former Yugoslav Republic ofMadagascarMalawiMalaysiaMaldivesMaliMaltaMartiniqueMauritaniaMauritiusMayotteMexicoMoldova, Republic ofMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorwayOmanPakistanPalestinianPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalQatarReunionRomaniaRussian FederationRWANDASaint Barthélemy Saint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin (French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwazilandSwedenSwitzerlandSyrian Arab RepublicTaiwanTajikistanTanzania, United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuela, Bolivarian Republic ofVietnamVirgin Islands, BritishWallis and FutunaWestern SaharaYemenZambiaZimbabweI also wish to receive emails from AAAS/Science and Science advertisers, including information on products, services and special offers which may include but are not limited to news, careers information & upcoming events.Required fields are included by an asterisk(*)Forde spoke with ScienceInsider both before and after his defeat, offering some advice to scientists weighing their own bids for elective office and reflecting on his own campaign. Science candidates: High-tech smarts aren’t enough for defeated Obama aide Q: Looking back, is there anything you would have done differently?A: I would have started running earlier. [Porter and Min declared in April 2017, and Forde jumped in last summer.] As a first-time candidate, it’s like when you’re a child, and every month of growth is massive. Being naturally cautious, a scientist or technologist might be inclined to wait and not jump in until you have everything lined up. But you need to let go of that idea and realize that you’re going to learn a lot once you start running.Q: How did you go about attracting support from a community that has traditionally stayed away from politics?A: You have to give them a compelling reason why something they care about is under attack. And if it’s not, then what are you fighting for that they care about?For example, I was running against a candidate who fundamentally doesn’t understand, or care to understand, cryptocurrency. [Min ran an ad that accused Forde of taking crypto donations from “Bitcoin speculators that oppose cracking down on drug deals and human trafficking.”] And while most people in that space haven’t been active politically, they were more than happy to contribute to my campaign because the alternative was having someone who clearly did not understand this emerging technology and who perpetuated lies about the technology. Follow our rolling coverage of 2018’s science candidates. Meet the scientists running to transform Congress in 2018 The science vote The science candidates: races to watch in 2018
Cities in the United States had taken oil companies to court, arguing that they should pay for climate-related problems caused by the burning of fossil fuels. U.S. judge tosses climate lawsuits by California cities, but says science is sound Read more… Originally published by E&E NewsA federal court judge yesterday threw out lawsuits from two California cities seeking to make oil companies pay for worsening sea-level rise and other climate change impacts.Judge William Alsup of the U.S. District Court for the Northern District of California granted the request from five oil companies seeking dismissal of the cases brought by San Francisco and Oakland. They were suing Chevron Corp., BP PLC, ConocoPhillips, Exxon Mobil Corp. and Royal Dutch Shell PLC, arguing that the companies make and sell products that when combusted create a public nuisance. The cities also contended that the companies knew the global dangers for decades and hid that information while protecting their assets.Sign up for our daily newsletterGet more great content like this delivered right to you!Country *AfghanistanAland IslandsAlbaniaAlgeriaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBolivia, Plurinational State ofBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCongo, The Democratic Republic of theCook IslandsCosta RicaCote D’IvoireCroatiaCubaCuraçaoCyprusCzech RepublicDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and Mcdonald IslandsHoly See (Vatican City State)HondurasHong KongHungaryIcelandIndiaIndonesiaIran, Islamic Republic ofIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People’s Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People’s Democratic RepublicLatviaLebanonLesothoLiberiaLibyan Arab JamahiriyaLiechtensteinLithuaniaLuxembourgMacaoMacedonia, The Former Yugoslav Republic ofMadagascarMalawiMalaysiaMaldivesMaliMaltaMartiniqueMauritaniaMauritiusMayotteMexicoMoldova, Republic ofMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorwayOmanPakistanPalestinianPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalQatarReunionRomaniaRussian FederationRWANDASaint Barthélemy Saint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin (French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwazilandSwedenSwitzerlandSyrian Arab RepublicTaiwanTajikistanTanzania, United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuela, Bolivarian Republic ofVietnamVirgin Islands, BritishWallis and FutunaWestern SaharaYemenZambiaZimbabweI also wish to receive emails from AAAS/Science and Science advertisers, including information on products, services and special offers which may include but are not limited to news, careers information & upcoming events.Required fields are included by an asterisk(*) Alsup, a Clinton appointee who in March held a high-profile “tutorial” on climate science, said evaluating blame for warming impacts is a political issue and not one for the courts to decide.”This order accepts the science behind global warming,” Alsup said in his ruling. “So do both sides. The dangers raised in the complaints are very real. But those dangers are worldwide. Their causes are worldwide. The benefits of fossil fuels are worldwide. The problem deserves a solution on a more vast scale than can be supplied by a district judge or jury in a public nuisance case.”The decision marks a huge blow for climate change activists and other cities pursuing similar lawsuits. It’s a win, meanwhile, for the oil companies and other industry groups that opposed the lawsuit.John Coté, communications director for San Francisco City Attorney Dennis Herrera, said in an email that “this is obviously not the ruling we wanted, but this doesn’t mean the case is over.””We’re reviewing the order and will decide on our next steps shortly,” he added. “We’re pleased that the court recognized that the science of global warming is no longer in dispute. Our litigation forced a public court proceeding on climate science, and now these companies can no longer deny it is real and valid. Our belief remains that these companies are liable for the harm they’ve caused.”Oakland City Attorney Barbara Parker said that “we are carefully reviewing the order and considering all options, including an appeal.””We believe our lawsuit presents valid claims and these defendants must be held accountable for misleading the American people about the catastrophic risks to human beings and all forms of life on this planet caused by fossil fuel-driven global warming and sea-level rise,” she said.Alsup said the cities’ theory—that the combustion of fossil fuels created a nuisance—had a scope that was “breathtaking.””It would reach the sale of fossil fuels anywhere in the world, including all past and otherwise lawful sales, where the seller knew that the combustion of fossil fuels contributed to the phenomenon of global warming,” Alsup said in his order. “While these actions are brought against the first, second, fourth, sixth and ninth largest producers of fossil fuels, anyone who supplied fossil fuels with knowledge of the problem would be liable.”The cities originally filed the suits in state court. The oil companies moved the cases to federal court, and Alsup ruled that they belonged in his court because it was a federal issue. In that ruling, he appeared to indicate he did not believe that federal law and federal court precedents precluded the cities from seeking action. In his ruling yesterday, Alsup said there was no conflict between that decision and this one.”It remains proper for the scope of plaintiffs’ claims to be decided under federal law, given the international reach of the alleged wrong,” Alsup said. “Although the scope of plaintiffs’ claims is determined by federal law, there are sound reasons why regulation of the worldwide problem of global warming should be determined by our political branches, not by our judiciary.”The lawsuits by San Francisco and Oakland were the first to go forward among a growing group of similar cases. Also in California, Imperial Beach, San Mateo, Marin County, Richmond, Santa Cruz and Santa Cruz County are suing two dozen or more fossil fuel companies and trade associations in separate cases. A decision in the 9th U.S. Circuit Court of Appeals is pending on whether to uphold an order by federal Judge Vince Chhabria that moved those suits from federal to state court.The city of Boulder and the counties of San Miguel and Boulder in Colorado are suing Suncor Energy Inc. and Exxon Mobil, demanding “past and future damages” for climate impacts. King County, Wash., sued the same five companies named in the San Francisco and Oakland suits. New York City also filed a claim against the same oil companies named in those suits.National Association of Manufacturers President and CEO Jay Timmons in a statement said this ruling could foreshadow what those cities are up against.”Other municipalities around the country who have filed similar lawsuits should take note as those complaints are likely to end the same way,” he said. “New York City, Boulder, and the other California municipalities should withdraw their complaints and follow the lead of others that are focused on meaningful solutions.”Related:In a San Francisco courtroom, climate science gets its day on the docketReprinted from Climatewire with permission from E&E News. Copyright 2018. E&E provides essential news for energy and environment professionals at www.eenews.net P. A. Lawrence, LLC/Alamy Stock Photo By Anne C. Mulkern, E&E NewsJun. 26, 2018 , 9:10 AM
Nice coach Patrick Vieira was “disappointed” with Mario Balotelli. “It’s really difficult for him to understand that football is about teamwork.” The Italy international has never hit the heights his potential warranted and is now also struggling at hometown club Brescia. “It was a real pleasure to work with Mario,” the Nice coach told beIN Sports at an event. “It was I think at a time where it was really difficult for him to understand that football is about teamwork, the team effort, and it’s something that is difficult for Mario to understand. “It has nothing to do with talent of the player, because he is a really special talent, but it’s disappointing that I was unable to get the best out of him, but he needs to understand as well that for him to play at this level, he needs to be part of the team. “I hope he understands that really soon, because there is still time for him to do so and he can go back to scoring goals. He’s got the talent to be the leader of the team, but the leader of the team has to put his talent at the service of the team.” Watch Serie A live in the UK on Premier Sports for just £11.99 per month including live LaLiga, Eredivisie, Scottish Cup Football and more. Visit: https://subscribe.premiersports.tv/
Guwahati, Sep 8 (PTI) Assam Governor Padmanabha Balakrishna Acharya today urged Union Youth Affairs and Sports Minister Sarbananda Sonowal not to politicise the flood problem in the state. “I am not a BJP man now. But as an ex-BJP man, I will tell him (Sonowal) not to make floods a political issue. Please do not do this. The state government is my government,” Acharya said at a press conference. The Governor was responding to queries on Sonowals allegation yesterday that the state government was not doing enough to handle the natural calamity. “If you have any problem regarding any issue, you can meet me or the CM. This is a problem we all should fight together,” Acharya said. Sonowal had accused Assam Chief Minister Tarun Gogoi of doing “cheap politics” over the flood situation and said the state government has enough funds to tackle the problem. The Union Minister had also claimed that the state government was given Rs 1,655 crore as part of the SDRF fund during the beginning of this financial year, out of which an amount of Rs 1,425 crore was still unused. However, the Governor said “I agree with the CM that we need more funds. The Centre should give more funds. I am going to Delhi tomorrow and will meet the President, Home Minister and most probably the Prime Minister. I will appeal to the Centre on this matter.” “I will also request Prime Minister Narendra Modi to pay a visit to the flood-hit areas. At the same time, the atmosphere of blaming the Centre is also not good. We cannot accept blaming the Centre every time for the states failure,” he added. (More) PTI TR DKB DB PSadvertisement
By Bharat Sharma New Delhi, Oct 30 (PTI) Force India boss Vijay Mallya says his partnership with the Formula 1 teams co-owner Subrata Roy stands strong despite the Sahara Group chief being in jail since March 2014. While Mallya is facing financial troubles of his own, Roy has been behind bars with Sahara Group unable to raise cash to get its chief out on bail. Mallya, speaking ahead of the Mexican Grand Prix this weekend, said the “unfortunate” situation is not affecting the team. “I am very happy with Sahara Group as partners. There is no issue at all. I feel very sorry for Subrata Roy but this unfortunate situation is not affecting the team in anyway. Our partnership stands strong,” Team Principal Mallya told PTI. In 2011, Sahara pumped USD 100 million into Force India for a 42.5 stake alongside team founder Mallya. The Moll family from the Netherlands holds the remaining 15 percent stake. It will be fair to say that the team has continued to punch above its weight despite the issues its owners face off the track. Force India have managed to be consistently among points ever since introducing their B-spec car in Silverstone with Sergio Perez delivering the teams third ever podium at Sochi being the highlight so far. “It is something we are very proud of (the teams performance graph since 2008). We have got three podiums now with the last one coming at Sochi. We are hoping for a similar result in Mexico to further strengthen our fifth place in the team standings,” said Mallya of his squad which is on its way to finish fifth for the first time. The midfield outfit has constantly criticised the income distribution model in F1 with five teams – Ferrari, Mercedes, Red Bull, McLaren and Williams – taking a chunk out of the teams share. It recently raised eyebrows by complaining to the European Union regarding the sports governance and its existing income distribution model. Aware of the repercussions, Mallya said it is tough to predict the outcome of the case. “I mean nobody can predict the outcome of a European Union complaint. We have filed a complaint because we believed the distribution of income in Formula 1 is not fair, it is disproportionate. Now it is up to the commission to take whatever action they want to take. “Five teams cannot take away the bulk of the income. Distribution has to be fair. We are carrying on despite challenges. We would not be here if it did not make financial sense. All we are saying is that it has to make better financial sense.” MORE PTI BS PM PMadvertisement
Image Courtesy: Getty ImagesAdvertisementSporting Cp’s super sensation Bruno Fernandes has been a hot favourite for the EPL heavyweights like Manchester United and Tottenham, but Liverpool’s reported offer of £40 million has given them a confirmed chance to land the player this summer.Image Courtesy: Getty Imagesthe 24-year old’s agent, Miguel Pinho was given a price range of €70-80 million by Sporting, with a negotiable range of €60-65 million.The agent has been travelling between Portugal and England, but target clubs like United or Spurs aren’t convinced with the asking fee, valuing the player at a lower price.According to Liverpool Echo, Klopp has been winning the race to sign the player, the odds to sign the Portuguese international has been shifted to the favour from 7/4 to 1/9, leaving Solskjær’s club behind at second favourites at 3/1, followed by Atlético at 13/2.Jornal de Noticia has reportedly claimed from souces about Liverpool potentially having conversation with Pinho for the player.“The approach came last week and could bear fruit in the near future.”This means that the English side has already potentially talked about the £40 million tip with the agent.The Lisbon club is facing some hardship with the midfielder, considering no one is ready to accept their initial offer.Bruno scored 32 goals and made 18 assists for Sporting CP last season.Advertisement
There’s strong evidence that integrating communications and fundraising into a single team is a real success factor. For many organizations, that shift is far, far away or absolutely out of the question. Even so, you can take small steps to shake up your silos and build productive partnerships.Try any or all of these three approaches to bring your communications and fundraising teams closer together—and boost results. Donors first! Map out how and when your organization touches an individual in each of your target audiences or segments.It’s human nature to ignore a problem until it’s in your face. This technique will highlight what’s really going on.Partner up a fundraiser and a communicator to visually document touchpoints within a week or month for individuals representative of your priority audiences. Use your personas if you’ve already developed them. Map the campaign, message, format, channel, call to action, and timing details for each touchpoint.You’ll likely uncover some days when an individual receives multiple touches with conflicting messages—aka chaos!Nothing is a stronger motivator for coordinating messages and missiles.Bonus: Mapping supporter touchpoints showcases everyone who has played a role in spurring a donation or other desired action. Typically, credit is given only to the creator of the last interaction, overlooking many of the contributors who move supporters to act. Identify what’s working—from each “side”—and do more of that.Ask your communications team to identify the fundraising team’s three most effective approaches and to integrate those techniques into their own work—and vice versa.While you’re at it, ask each team to identify what the other is doing that isn’t working. Try this: Ask each team to give the other one a “free pass” to make a single change to their work, without protest or arguments, for a week. If your marketing director can make only one change to a fundraiser’s direct-mail letter, what will it be? And what single change will the development director make to the marketer’s Facebook post?This practice enables each team to focus on what is truly most important to them, gives each team some level of control, and encourages both to better understand each other without arguing over the merits of the requested change.P.S. I learned this method from my favorite transformative change experts, Switch authors Chip and Dan Heath. The Heaths advocate this underused technique as the most reliable pathway to positive change. Co-create messaging for a single campaign.Select a time-limited campaign that’s related to both teams’ goals. Possible focal points include a significant organizational anniversary, an exceptional opportunity to work with a celebrity, a new program launch, or a change in strategy.Next, task a few communications and development staff members to fully collaborate in creating the campaign messages. This is another useful way each team can learn what’s happening behind the scenes on the “other team” and understand their point of view.Ask collaborators to document the process, especially stumbling blocks, so collaboration will go smoother next time. Then, when the messages are complete, sit down with both teams to discuss the process and the product.Ask the folks who worked together on this campaign to share the high points and the pain of the process, as well as the unexpected benefits for the end product (the messages). Brainstorm recommendations for shifts in each team’s creative, review, and approval process. Then, keep your eyes open for the next co-creation opportunity.Tiny wins like these are the most realistic way I know to shift the status quo. I dare you to experiment with one of these techniques. Let me know how it goes!From Network for Good: Nancy is spot on with her recommendations for communication and fundraising teams. If you can’t implement Nancy’s ideas for tracking donor touchpoints, it’s time to invest in a smarter way to manage your donors. A donor management system can help you keep better track of all your donor information, communication, and more. Talk to a Network for Good rep today and we can help you get started.
Identity theft, credit card debt, credit scores, credit report errors…we have a lot of things with which to concern ourselves in the world of credit and financial services.We don’t need to keep adding more things to the already behemoth pile.Unfortunately, that’s exactly what I’m about to do.Now you have to worry about whether or not your bank has recycled your checking account number.A New Kind of Check FraudA story broke last week about an elderly woman who was the victim of check fraud.Nobody had stolen her checks and nobody had hacked into her checking account. Someone who had the same account number years before was still writing checks against the account despite the fact that he had closed it.Think about it. If you have a checking account with a bank or credit union your checks have a routing number and an account number. The routing number is bank specific, so it doesn’t change.One account number, if it’s the same on two different books of checks for two different consumers, will draw from the one account.This is eerily similar to the issues of Y2K. Someone programming bank software didn’t have enough foresight to allow for the use of more or different numbers.Point being, some banks don’t want to increase the number of digits in their account numbers because it’s expensive to do so. It’s easier to recycle old and unused numbers.This presents problems, especially when you consider there are a finite number of permutations for account numbers.I did the math and this is what it looks like;5 digit account numbers = 81,0006 digit account numbers = 810,0007 digit account numbers = 8,100,0008 digit account numbers = 81,000,000NOTE: This is without leading or ending zerosI personally have three different checking accounts, two personal and one business account. One of my personal accounts has a 5 digit account number. The other two have 8 digit account numbers.What Do You Do?You can’t force the bank to not re-issue a checking account number. So, you may already be using a checking account that has a recycled number.Still, there are some things you can do to minimize your risk.1. You can become much more engaged with your checking account.This means checking transactions online frequently, which you should be doing anyways to help prevent or identify garden-variety check fraud.2. Maintain low balances, which again you should be doing anyway.You’ll earn more interest in something other than a checking account, so you should only have a few hundreds dollars on deposit at any time and transfer money from a money market when you need to clear checks or online payments.Maintaining low balances will reduce your exposureGood Checks Vs. Bad ChecksSome of you are probably wondering…what’s a check?I’m only kidding, as most of you know what a check is, but it’s true that their usage is way down thanks to online bill pay.But, while online bill pay is great, it does nothing to protect you from this recycling of account numbers practice.Online bill pay still starts with a traditional deposit account, which has an account number, which may have been recycled.Writing a check against an account you closed years ago is check fraud, plain and simple. Nobody accidentally writes a check against an account they know to be closed. It’s a conscious decision to do so.It just looks like some fraudsters have gotten lucky and instead of writing a bad check, they’re actually writing a good check because it’s being honored by the bank.John Ulzheimer is the President of Consumer Education at SmartCredit.com, the credit blogger for Mint.com, and a contributor for the National Foundation for Credit Counseling. He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. The opinions expressed in his articles are his and not of Mint.com or Intuit. Follow John on Twitter.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) Related Post navigation
Whether you’ve recently decided to upgrade your budgeting spreadsheet to something a bit more automated or you just landed your first job out of college and know you need to get more serious about your money, you’ve come to the right place.Before starting a budget, log in and make sure all of your accounts are linked to Mint – especially the ones you use on a regular basis (ahem, credit cards included). Once these accounts are linked, head over to budgets and Mint will already have a view of what your current spending looks like in budget form.Now, let’s walk through a few tips for optimizing budgets in Mint:Step 1: Know exactly how much you bring in … really!Think beyond your annual salary. Base your budget on your take home pay (aka, what actually ends up in your checking account) each month.Pro Tip: Mint goes by the date the income comes in – if you get paid on the 31st but you want that to count toward the next month’s budget, you can adjust the date on the transaction level.To adjust the total amount of income you expect in the current month by clicking the arrows left or right or clicking on edit.Step 2: Check the budget categories that have fixed expensesIf you pay rent or a mortgage and it’s the same amount every month, check to make sure this is reflected accurately in your budget.Look at the other categories that may be the same – car payment, utilities, cable. Mint can automatically recognize a lot of these, but do a quick review and make sure they’re all there!Step 3: Check the categories that are variable expensesAcross various categories, your budget may change month-to-month, so this is where you will find wiggle room in your spending and cash flow – but be realistic with yourself. If Mint shows you generally spend $600 per month on food and you reduce this part of your budget by half – take a moment to think about the kind of commitment this requires. Unrealistic goals now will likely compromise the overall benefits of setting budgets in the first place, making other goals around savings or reducing debt more difficult – bummer!This also includes things you may not necessarily think to budget for:• Pet expenses (food, vet, grooming)• Personal care (Acupuncture? Barber? Nail salon?)• Shopping (Is it realistic to say you’re going to go the next 6 months without shopping? If not, work it into your budget), etc.In Mint, you can set up your budget to be spread over a period of time versus just a particular month – so if you know you won’t need to spend $60 on dog food every month, but instead every two months, it will spread this out accordingly in your budget too.Step 4: Account for savings, debt pay off and other goalsOnce you’ve set all of your fixed and variable expenses, head to the goals section.Do you have a credit card that you’re carrying a balance on? Add this to a goal – you’ll be amazed at how easy it is to check your progress as your monthly payments make a dent in paying off this debt. If you’re not happy with the end pay off date, make adjustments to the total payments you are able to make on a monthly basis. Do the same with your savings goals and any other goals you may have.Once you’ve set your goals, now head back to budgets! This is when the fun begins.Step 5: Adjustments and Extra ExpensesNow that you’re back on the budgets page, take a look at the right-hand column calculating your total expenses – including your goals – deducted from your total income.If you’re in the red, you have some work to do – but don’t be overwhelmed – you will find your wiggle room and we’re here to help!Go back and look at your variable expenses.It can be challenging and even overwhelming to imagine cutting back in certain areas you are used to spending, but this is where the old question “Do you really need a latte every day?” comes into play. Ask yourself:• Are you on the right mobile plan (are you using enough minutes to justify your current package?)• Can you go without cable? Check out this article on cutting the cord!Our blogger, Farnoosh Torabi, has helped other readers find their wiggle room. One reader was able to reduce their overall acupuncture visits and changed from an expensive supermarket to a more affordable one to find her wiggle room.Comb through and be firm with yourself, yet realistic.If you’re in the green, this is awesome! Take another look at your variable expenses and ensure they are realistic to meet. Ask yourself:• Do you have 3 to 6 months worth of savings in case of an emergency?• Are you putting enough toward retirement?• What other savings goals do you have?You’re in a position now to work toward accomplishing some of these!Step 6: Ongoing MaintenanceWhile working toward specific goals, be sure to check in and track your progress. Check in with Mint, ensure your transactions are falling under the right buckets and categorize the ones we couldn’t recognize. This will give you a clear visual of where you are with each category so you can make smart decisions in-the-moment with your money.And don’t forget – we are here for you! Reach out to us via Facebook and Twitter or through our support team. Or, reach out to our blogger, Farnoosh Torabi, for her AskFarnoosh series: firstname.lastname@example.org.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedHow to Make a Budget Using the 50/20/30 Budgeting RuleJuly 20, 2016In “Saving”18 Budgeting Tips to Make Money Management EasyFebruary 6, 2019In “Budgeting”Budgeting 101: How to Create a BudgetAugust 19, 2019In “Budgeting” Post navigation
These days, it seems like there are vitamins for everything — from vitamins to boost memory, to those that will improve heart health. But how do we best determine what kinds of vitamins our children need? Should all kids be taking the same vitamins across the board? In partnership with Walgreens, we’ve gathered some important facts about vitamins to help you answer questions like these so you can be sure to pick the best ones for your child’s overall health.1. Even though vitamins are readily available in any drugstore, you shouldn’t purchase them for your kids without consulting a doctor firstDon’t run to the pharmacy just yet. While vitamins are very important for children’s health, you shouldn’t self-prescribe. The Academy of Nutrition and Dietetics recommends consulting your child’s doctor or a registered dietician/nutritionist before giving your child a supplement — and Pegah Jalali agrees. As a pediatric dietitian at Middleberg Nutrition, she recommends “seeing a specialist to [ultimately] determine what your child needs.” A doctor or nutritionist can help determine how many vitamins you can give your kids at once, too. The risks of consuming too many vitamins includes megadosing, which the American Academy of Pediatrics says can “produce toxic symptoms, ranging from nausea to rashes to headaches and sometimes to even more severe adverse effects.”2. Factor in your children’s physical status and habits before placing them on a vitamin regimenIf you’re thinking about starting your child on a regular vitamin regimen, take his or her physical status into consideration first. According to the Mayo Clinic, most healthy children don’t require multivitamins, but a multivitamin might help your child if he has a restrictive diet, developmental growth issues, food allergies or a chronic disease. If your kids play sports, their nutritional needs might look a bit different than those who don’t. A few important minerals and vitamins for child athletes are calcium, iron and vitamin D. Iron helps with oxygen flow, vitamin D is crucial for healthy bones and helps with absorption of calcium.3. Age and gender make a big difference in determining which vitamins kids need and how muchDepending on your child’s age, he or she will need different amounts of nutrients and vitamins for growth and development. The Mayo Clinic reported that children between the ages of 2 and 3 require fewer calories, protein, vegetables, grains and dairy than their 4- to 8-year-old counterparts. Younger kids need less vitamin C, as well. According to the National Institutes of Health, kids between 4 and 8 require 25 milligrams of vitamin C every day. But younger kids only need 15 milligrams daily. The NIH reports that kids between 1 and 3 should get about 2,000 international units of vitamin A every day; and for kids 4 to 8, 3,000 IUs. While girls and boys between the ages of 2 and 3 have the same daily nutrition guidelines, it can vary based on gender once they reach the ages 4 to 8, in which case boys may start to require more nutrients.4. Adorable looking vitamins aren’t always the best onesThese days, many children’s vitamins look and taste just like your favorite snack. However, Jalali stresses that vitamins are not candy. In fact, she recommends steering away from gummy vitamins. Instead, she suggests using powder or oil dropper vitamins that can be added to food or drinks over chewable or gummy vitamins that can lead to cavities. 5. Kids who drink milk alternatives and children of color are less likely to get the recommended amount of vitamin DA 2016 study published in the journal Epidemiology found that children who consume milk alternatives, such as plant-based milk, are linked to lower vitamin D levels in early childhood, making a vitamin D supplement particularly important for them. Dr. John Worobey, professor and director of the undergraduate program in nutritional sciences at Rutgers University, revealed that another group of kids who might be at a higher risk for lower vitamin D levels are children of color due to their skin color. “The darker your skin pigmentation the less likely you are to benefit from sunlight…so minority mothers would do well…to make sure that their kid is getting enough vitamin D, and a supplement can be useful for that,” Worobey said.6. Some vitamins are harder for kids to digest than othersNot all vitamins for kids are created the same. According to Jalali, “Most parents think that vitamins are harmless and the more you give the better, but the fat-soluble vitamins — that’s vitamins D, E, A and K — are harder for your body to get rid of. So, if you have too much, it can cause liver toxicity; it can cause a strain on your kidneys; it can cause a lot of adverse effects.” Source
Every month, climate scientists make new discoveries that advance our understanding of climate change’s causes and impacts. The research gives a clearer picture of the threats we already face and explores what’s to come if we don’t reduce emissions at a quicker pace.Our blog series, This Month in Climate Science, offers a snapshot of the month’s significant scientific literature, compiled from some of the leading peer-reviewed journals. This edition explores studies published in February 2019. (To get these updates delivered right to your inbox, sign up for our Hot Science newsletter.)Impacts to Ecosystems and InfrastructureFirst mammal goes extinct from climate change: The Australian government announced that the Bramble Cay melomys is now extinct. Three years ago, scientists warned that the rodent species had likely gone extinct due to ocean inundation in the low-lying cay where it lived. This is the first documented mammal to go extinct due to climate change.Warming seas strand sea turtles: Thanks to rising sea surface temperatures in the U.S. Gulf of Maine, Kemp’s ridley sea turtle populations are expanding northward into areas like Cape Cod Bay. Once they’re there, they sometimes encounter colder water that stuns them into lethargy. Presenting further challenges, Cape Cod Bay’s hook shape can act as a catchment for turtles trying to migrate South in the colder months.Climate change drives insect extinction: A review study found that more than 40 percent of insect species are threatened with extinction over the next few decades, thanks to climate change, habitat loss, pesticide and fertilizer use, and biological factors such as introduced species. Climate change poses the largest threat in the tropics. Because insects are at the base of many of the world’s ecosystems, the impacts of their extinction could be catastrophic.Implementation of Paris Agreement protects fisheries: Researchers found that meeting the goals of the Paris Agreement (limiting global temperature rise to 1.5-2 degrees C (2.7-3.6 degrees F)) would preserve millions of metric tons of fish catch and billions of dollars of income each year. Three-quarters of maritime countries would reap such benefits, with 90 percent of the protected catch occurring in waters of developing countries, whose populations are more dependent on seafood for protein.Fish yields decline: A study found that yields of 124 fish species declined by 4 percent from 1930 to 2010, with five ecoregions witnessing losses on the order of 15-35 percent. While some species faired well in warm waters, the large majority experienced a decline.Birds on the move: A study examining almost 200 bird species from 1959-2015 found that as temperatures rose, spring migration advanced a week earlier and migration season length increased. The timing of species migration can affect broader ecosystems by altering predator-prey relationships.Tigers lose habitat from sea level rise: Researchers modeled the impacts of rising seas on the endangered Bengal tiger in the Bangladesh Sundarbans, a low-lying mangrove ecosystem. They found that as a result of climate change and sea level rise, there will be no suitable Bengal tiger habitat left by 2070.Floods threaten dams: Scientists assessed the risk that climate change poses to California’s major dams, finding that most are at risk of failure from flooding. Dam failure can lead to a decrease in water storage, evacuations, and even greater catastrophes, such as fatalities, if the dams’ structural integrity weakens.Extreme WeatherRate of intensification of Atlantic hurricanes increases: Scientists found that hurricanes in the Atlantic basin intensified between 1982 and 2009. The intensification is outside the range of normal climate variability, and authors concluded that human-induced warming is likely to blame.Temperature extremes get less noteworthy: Studying social media posts about weather, scientists found that as people are exposed to repeated temperature extremes, their reference point for what is normal shifts. Accordingly, people may fail to notice the impacts of climate change as they become less remarkable to them.Extreme weather causes billion-dollar losses: The U.S. National Oceanic and Atmospheric Administration found that 14 weather and climate disasters in the United States led to damages of at least $1 billion each in 2018. The disasters, which included Hurricanes Michael and Florence and Western wildfires, cost $91 billion and killed 250 people.Floods ruin foot traffic: Studying Annapolis, Maryland, scientists found that high-tide floods reduced visits to the downtown area by 2 percent in 2018. With an additional foot of sea level rise, visits to the city are projected to drop 24 percent.Emissions and TemperaturesU.S. methane emissions grow: The U.S. Environmental Protection Agency released a draft inventory showing that methane emissions grew in 2017.More methane from thawing permafrost: A study found that a warmer, wetter climate can increase methane emissions from permafrost by about 30 percent. Microbial and plant processes are starting earlier in the growing season, leading to greater emissions. Methane has a warming effect 28 times that of carbon dioxide.Disintegrating clouds: Scientists found that stratocumulus clouds, which play an important role in climate regulation by reflecting solar radiation back into space, would break apart under very high levels of carbon dioxide (above 1200 parts per million, or 3 times today’s levels). The authors suggest the world would see an 8˚C (14.4 ˚F) increase in warming under this scenario.Growing source of black carbon: “Black carbon,” a potent climate forcer, is a growing concern due to increased air traffic, which is expected to double in the next two decades. A recent study found that black carbon emissions from aviation are roughly equivalent to 11 percent of North America’s road emissions.Diseases contributed to the “Little Ice Age”: Researchers have now uncovered a surprising chain of events that led to a decline of atmospheric concentrations of carbon dioxide in the late 1500s/early 1600s. After the Europeans arrived in the Americas, the epidemics they brought with them killed about 90 percent of indigenous populations over the next century. The resultant abandonment of land and forest regrowth increased carbon sequestration.A carbon-storage breakthrough: A new study describes a novel approach of using liquid metal electrolysis to sequester carbon dioxide and turn it into solid carbon. An added benefit is that the new solid can hold an electric charge, becoming a supercapacitator that can be used in vehicles. The authors describe it as a critical first step in advancing carbon storage.“Gold standard” level of confidence that humans are causing climate change: Researchers examined when the first human-induced warming signal emerged in the scientific data. They found that there is about a one in 3.5 million chance we would see the temperature increases we are seeing today in the absence of human activities. This level of scientific confidence is considered the “gold standard” for discoveries in particle physics.OceansColor-changing oceans: Researchers found that in some areas, such as the Caribbean, phytoplankton populations will decline in a changing climate, making the oceans bluer. In other regions, such as the Southern Ocean and North Atlantic, warming waters will foster faster-growing phytoplankton, making the waters look greener. Monitoring of such color changes can be a helpful indicator of climatic changes.More flooding in low-elevation zones than previously thought: Examining coastal Louisiana, the largest low-elevation coastal zone in the United States, one study found that tide gauges and satellites underestimate rates of sea level rise. Low-elevation coastal zones may therefore be at a higher risk of flooding than previously assumed.IceHimalayan glaciers at risk: A new study of the Hindu Kush Himalaya Region, conducted as part of a broader assessment, projects that glacier volumes will decline by up to 90 percent by 2100. More than 1.3 billion people depend on river water from the Himalayan glaciers.Overestimated sea level rise projections: Many sea level rise projections are informed by a hypothesis related to marine ice-cliff instability, which anticipates ice cliff collapse after the disintegration of ice shelves. A new study suggests that projections made with marine ice-cliff instability overestimate sea level rise, and modelers should revise their estimates downward.New glacier ice estimates: A study estimates ice thickness for all 215,000 glaciers outside of the Greenland and Antarctic ice sheets. Scientists found a total of 158 cubic kilometers of ice, which, if fully melted, would lead to 0.3 meters of sea level rise, which may inform future sea level rise projections. They also determined that Asia’s high-mountain glaciers hold about 27 percent less ice than earlier estimates suggest, and that the region could lose half of its current glacier area a decade earlier than previously estimated.Arctic ice loss may speed up soon: Arctic ice loss is affected by human-induced warming and natural climate variability. One natural cycle, called the Interdecadal Pacific Oscillation (IPO), can change atmospheric wind patterns, affecting heat transport to the Arctic. Scientists now believe that the IPO is shifting into a phase which will increase the odds of accelerated sea ice loss in the next few decades.Now ice-free Canadian Arctic had been ice-covered: Scientists found that locations in the Canadian Arctic that are currently ice-free had previously been continuously covered by ice for more than 40,000 years. Also, the summer warmth of the past century exceeds anything in the last 115,000 years.Climate change creates new economic opportunities for Greenland: As the Greenland ice sheet shifts and melts, a new study found that sand and gravel will accumulate at the country’s coasts. This could create an economic opportunity for Greenland, as sand and gravel reserves are depleting globally from rising demand.EDITOR’S NOTE, 3/20/19: A previous version of this blog post stated that Atlantic hurricanes are getting stronger. It is actually their rate of intensification that has increased, likely due to human-induced warming. We have updated the text to correct the error.
Topics: Webinar: Twitter for Marketing and PR Originally published Feb 2, 2009 7:50:00 AM, updated February 01 2017 This post was written by Dan Zarella . 1. LinkedInProbably the most obvious way to identify influential individuals at specific organizations is by searching the trusty social network for business people, LinkedIn. A search for your target business or title on LinkedIn will show you people you may already be connected with, either directly or through your connections. This is a good place to start, since you might be able to leverage your exisiting contacts.The social media playing field is much bigger than LinkedIn, and as a recent HubSpot cartoon mentioned, LinkedIn can be a bit of a walled-garden , discouraging “weak” connections. The two other largest social arenas (Twitter and Facebook) are also ripe for this type of search.2. TwitterOne of my favorite features of Twitter Grader is the search function . You can put in a keyword and see the most influential Twitter users who’ve used that keyword, effectively a list of thought leaders in that niche. But if you’re looking to identify influencers in a business or organization don’t limit yourself to just searching for topical keywords, try brand or company names, or even titles. For instance, if you were looking for the most influential Twitterers inside of Ford, a search for Ford would quickly reveal that Scott Monty is the head of social media at the automobile giant. A similar search for HubSpot would show you those HubSpotters who are on Twitter (and there are a bunch of us).3. Facebook Facebook Grader , a newer HubSpot tool along the same lines as Twitter Grader, can be used in a similar way. Keep in mind that this tool is newer and will only return users who have used the tool to grade their Facebook accounts already, but this tool has the potential to be even more powerful, given the much larger audience on Facebook. One example that does return results already is a search for HubSpot.4. BloggersYou can also use a variety of blog search engines to search for bloggers in your target companies or roles. Good ones to start with are Technorati and Google Blog Search , but there are tons out there and they all return slightly different results, so give some of the others a try. You can also search on bookmarking sites like delicious to see which blogs have been bookmarked the most.5. Niche Social NetworksThere are a ton of smaller, niche networks where professionals in nearly every industry gather. Find the social networks for your vertical and search for your target businesses or roles there. A few examples of this type of site include Toolbox for IT , Lawyrs , Decorati , Reel-Exchange and MediaBistro .Then, Connect with Influencers Once you’ve identified your influencers, use the tools and mechanisms provided by the social site you found them on to connect with them. Send them an invitation to join your network if you found them on LinkedIn. If they’re on Twitter, follow them and start replying to their tweets and ReTweeting their good posts (ReTweeting especially will ingratiate yourself with your targets — people love that). If they write a blog, subscribe to their feed and start commenting on their posts and linking to them from your blog (again, bloggers love getting links, so this is an especially good tactic). Generally speaking, networking and connecting for business purposes in these three ways tends to be accepted.Facebook can be more tricky, so tread with caution here. If it looks like they’re friends with a lot of people, including professional contacts that they might not be actual, social friends with, its probably not going to bother them if you send them a friend request. On the other hand if they don’t have a ton of friends, they’re likely to be using Facebook only to connect with their real-world family and friends, so chances are good that its best to not try to friend them for business purposes. Influencer Marketing Want to learn more about using Twitter for Marketing and PR? Download the free webinar for tips and tricks to drive inbound marketing using Twitter. Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack
Ecommerce Marketing Originally published Sep 14, 2010 9:00:00 AM, updated February 01 2017 While an ecommerce site will always be focused around driving transactions, capturing the huge non-transacting majority for emarketing presents a major revenue opportunity and marketing challenge. The very best converting ecommerce sites make extensive use of remarketing tools to improve their ultimate transaction rate and retain visitors who are not yet ready to buy. These sites capture visitor information early, use value-added marketing offers, and have unique product page content beyond the boring manufacturer’s same-old template. For ecommerce sites that don’t convert at 18% or better, implementing non-transactional leads can greatly improve their ultimate conversion rate. A poor implementation, however, can lead to an even poorer site conversion rate as traffic is siphoned off the primary ecommerce funnel. There are three critical pieces to a successful implementation of offer-driven lead paths. They are: Call-to-action button Landing page with a form Thank you page Keep reading for implementation and design specifics on these three key pieces.Call-to-Action Buttons That Don’t Cannibalize TransactionsA call-to-action button’s purpose is to capture interest and divert traffic that does not intend to transact immediately. The button itself needs to have specific design and language characteristics to accomplish this goal and not remove people from the primary transactional funnel. Two critical basics of non-transactional call-to-action buttons design on ecommerce sites: Clearly identify the buttons as paths to learning more , not continuing down the purchase path. Visitors will self-select to engage if they are interested but not ready to purchase. Use messaging like “Looking for more? Download the buyer’s guide to…” or “Need more information before you buy?” to make this crystal clear.If the button is placed as a secondary conversion option in conjunction with “buy now” messaging, it should be less eye-catching than the “buy now” button or messaging .Landing Pages That Capitalize on an Indicator of InterestOnce a site visitor clicks a call-to-action button, they move to a landing page. A landing page is a page with one singular purpose: collect visitor information (a name and email) in return for an asset (a buyer’s guide, ebook, factsheet). As with the call-to-action button, below are 2 critical considerations particular to ecommerce sites: Visitors to your non-transactional landing pages have already indicated interest in downloading the asset and not converting. Take off the sales hat for just a moment ; time to allow visitors to get what they want as simply as possible. That means no “buy now” or product-level messaging and a relatively short form. Briefly express the value of your giveaway to capitalize on the previous indicator of interest from the call to action button click. Recall that visitors to the landing page have expressed that they are not ready to purchase right now and are looking for more information. It’s better to capture their information here than have them defect and buy from a competitor next week.Thank You Pages That Don’t Maroon ShoppersAfter a visitor indicates interest by clicking a call-to-action and completes the form on the landing page, the site needs to uphold its end of the bargain and deliver the asset. The most effective way to deliver the asset is on a dedicated thank you page. On this page, the asset is can be linked along with hooks back into the main site’s funnel. This page may even remain open as people peruse your content, so keeping links back to the main ecommerce funnel may yield some additional utility. Two important elements for thank you pages on ecommerce sites: Keep the first, clearest link on the page for the asset . People have come through the landing page and expect a simple method of receiving their asset. Give it to them.Other links on the page can fall into two categories, depending on your goals. The links can either continue visitors in the “learn more” mode, which they are already in, and link to a blog or other informational assets. Alternatively, if the asset given away on the thank you page helps visitors make a final buying decision, follow-up links can now direct traffic back into the main ecommerce site funnel. Now is the time to put on your sales hat back on and move people back into the product pages, if you like.Putting Non-Transactional Ecommerce Leads in Their PlaceWhen the time comes to make a purchase, would you rather have been in communication with a lead for 2 weeks? Or would you rather they make their own unaided decision to type your site into the address bar? By following the tips above, ecommerce marketers can begin to grow their up-funnel email list and increase customer retention in the critical consideration stage that precedes an online purchase. The best-converting ecommerce sites in the world are doing this already. Photo Credit: Яick Harris Topics: Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack
Topics: Originally published Sep 20, 2010 11:00:00 AM, updated February 01 2017 Holiday Marketing Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack The time for eCommerce holiday shopping is quickly approaching, and if you are not already developing your plan to maximize your return on the spike of online sales, you need to start now!! According to a report provided from comScore , the 2009 eCo mmerce Holiday S pending reached $27 billion. This year will be no different — and I am willing to bet that this number will rise even higher. Are you prepared to take advantage? Be Prepared for the Online Holiday Rush 1. Write blog posts that are optimized for the long-tail of “holiday” centric keywords. For example, if you sell shoes, you could write blog posts around the subject of holiday specials for your products. “5 Reasons Ugg Boots and Slippers Will Dominate Holiday Gifts” “3 Great Tennis Shoes for a Boy’s Christmas Present” “Christmas Basketball Shoe Sales Will Be A Slamdunk in 2010” Writing content that includes your products and the holiday terms (Christmas, holiday presents, holiday gifts, Christmas ideas, boy holiday gifts, girl Christmas gifts, ect.) will help your website rank better for these longer-tail niche keywords. Make sure that you have strong call-to-action buttons on each of your blog posts that link to landing pages explaining holiday promotions for specific products or product categories. 2. Develop Promotional Landing Pages that are designed to target Holiday traffic. Entice your visitors to buy from you by giving them time-sensitive pricing incentives that are only available during the holidays. Showcase your top performing products on holiday themed landing page with great offers. “20% off when purchasing $50 or more before X date.” “Free t-shirt included when you purchase before X date.” Maybe your visitors are interested in your products, but not committed to purchasing immediately. Help convert these visitors to customers by giving them incentive to sign up for exclusive promotional offers. “Sign up for exclusive holiday deals only available for existing or new subscribers. This Special will expire on X Date. Sign up now to secure your discount!” 3. Send Holiday marketing emails and use lead nurturing. Increase your holiday revenue by nurturing your visitors that haven’t committed to a purchase and rewarding your existing customers with exclusive offers. Existing customers have already purchased from you and like your products — reward and entice them to buy more for their friends and family! Send an email reminding your existing customers that the holidays are quickly approaching, and that you are offering them an exclusive, limited time offer. Give a coupon code with a reminder that this code will expire by “X” date. Make sure that this email includes links back to either your blog posts about your most popular seasonal items or landing pages designed to show additional value for shopping early. Additionally, you should use lead nurturing emails to leverage the holiday season in your favor by placing new leads into campaigns designed entice earlier purchases. Remembering to segment your lead nurturing campaigns is an important step. If a visitor comes to your website and is interested in getting a special holiday deal on jackets, make sure that you send them emails designed to sell jackets, not shoes! 4. Monitor and promote your brand and products in social media with holiday keywords. Monitoring and promoting your most popular products is essential for eCommerce stores in 2010. Tracking holiday centric keywords is an advanced skill that can help you sell more. Instead of just tracking the keyword “Ugg boots” track “Ugg boots christmas” and “Ugg boats holiday present.” Tracking these terms in Twitter will allow you to see tweets that say, “All I want for Christmas are Ugg Boots!” and “Are Ugg boots for my daughter for a good holiday present?” You could then engage these tweeters to let them know about your new article “5 Reasons Ugg Boots and Slippers Will Dominate Holiday Gifts”. Or you could send them links to a landing page that offers 20% Off Ugg Boots when signing up for promotional discount emails. Utilizing these inbound marketing tactics will ensure that your eCommerce site is prepared for the holiday rush. Have you seen your favorite stores already using some of these tactics mentioned? Do you have other suggestions? I would love to hear your feedback! Photo curtesy of Luiz A. Villa
, find, and participate in relevant industry conversations on Twitter? are social media tool Originally published Aug 18, 2011 11:02:00 AM, updated October 20 2016 Runtime: 12:25 Inbound Now is currently in booking mode for upcoming episodes! Is there a certain topic you would like covered or an expert you would like to see come on. Contact me on Twitter Using What other tactics do you use to to see a ton of options and start getting rid of some of the noise. Reach out in a genuine way and start sharing their content on a regular basis. There monitor To view more episodes of Inbound Now, You can add questions to a to-do list to answer later, or forward them to a colleague and help them connect with relevant Twitter users. 4. Find Relevant Tweeters in Your Space , we share some advanced Twitter search tips to help you wade through the fire hose to find relevant conversations and filter out useless noise. Topics: advanced search link Here are some other examples of other common search modifiers, courtesy of the Twitter application, HootSuite: Regardless of the tool you use, centralizing information in one place is critical to saving hours of time and your sanity. Key Point: The tools you are using aren’t as important as the smart searches you are using to find the useful needles in the proverbial Twitter haystack. . keyword ? -http is a great site to scan Twitter bios for relevant keywords. It may take a little digging, but once you find some influential people in your space, make sure to start following them and connect. gets rid of all the auto-posts from blogs and people’s RTs, which can be helpful when you are looking for statements and questions(?) around your keywords (a.k.a. conversations). keyword suggest -http keyword anyone -http keyword recommend -http Followerwonk.com Search.twitter.com SEO and Social Media is a great way to start learning the advanced search queries Twitter has to offer. Click on the -http conversations happening and questions being asked about your industry. The trick is finding them in an efficient way. Would you like to see a particular marketing mastermind on the show? You need to set up a place to centralize all your queries in one place. I prefer to use HootSuite, TweetDeck, or Sendible for this. HubSpot also has a pretty nifty It never hurts to have an influencer on your side, and they can be instrumental in helping you spread your messages when the time comes. Give, give, give, before you ever try and ask for anything. (This is the Golden Rule in social media). . social media and digital marketing podcast The InboxQ.com 3. Set Up a Listening Station Twitter @DavidWells or drop me a line on our contact page helps you take your monitoring to the next level by providing a browser plug in/extension that notifies you of any new conversations happening around one of your advanced search strings. 1. Use Advanced Search Modifiers click here In this episode of Inbound Now, HubSpot’s Four awesome search modifiers for Twitter are: 2. Leverage InboxQ to help keep tabs on conversation. Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack
Topics: Originally published Mar 7, 2015 8:00:00 AM, updated February 01 2017 This post originally appeared on Agency Post. To read more content like this, subscribe to Agency Post.You would think that personalization of content and ads would be a welcome tactic, considering how many people complain about irrelevant advertising.But many marketers are concerned about crossing the line; of being seen as “Big Brother.” And not all customers are comfortable brands using their information in this way. A study by Ipsos found that 68% of U.S. smartphone users are concerned about having their online activity tracked in order for advertisers to serve them more targeted ads. So, how do you combat the idea that personalization is creepy? How can you create content, emails, and advertising that aligns with and matches the visitor’s mindset?We asked a few advertising executives why marketers should reconsider personalization and how they can use it as a tool for relevance. Here’s what they had to say.Understand the Audience FirstMarketers today must understand whom their audience is to determine how personalized to get. Digital natives tend to be more open to personalization because they’re aware that online activity can be public knowledge. That being said, we are currently in a transition phase. When retargeting technology was created in 2007, people were surprised when a product they searched for showed up on other sites around the web. Now, this is much less surprising. In fact, a recent survey cited that about half of consumers wished ads were more tailored to their interests and more than half expected to see personalized ads. Today the difference between ‘creepy’ and ‘not creepy’ is if an ad is so personalized it can only be for you. For example, an ad telling you to ‘buy diapers now because you’re giving birth in two weeks’ is much too, but an ad for diapers isn’t. Drawing the line between each is an art, not a science, and marketers must be always be considerate of their audience.– James Green | MagneticAdd ValuePersonalization can mean a lot of things, so it’s important to understand what a marketer thinks it is and how it’s creepy. This can often clear up initial concerns. Then for us, the guiding personalization principle is to figure out if and how it adds value to the end user. Today personalization enables a range of new behaviors and there are a lot of untapped and exciting opportunities to weave it into experiences and products that may not seem like an immediate fit. In the coming months and years, we’re going to see it become a powerful tool for building relationships and creating better ways to do things. Personalization has already changed so many categories, so it’s really about understanding how to get the most out of it for your brand or product.– Paul Munkholm | Kettle Increase RelevanceTo marketers who argue that personalization is creepy, I ask: do you think Amazon is creepy?If so, I’m not sure you really understand why websites and marketers personalize. It’s all about creating a better user experience for your site’s visitors and providing relevant information to the right people at the right time, not showing off your ability to track every move someone has taken on your site.– Marc Herschberger | Revenue River MarketingMake Visitors Feel WelcomePersonalization is only creepy if you make it creepy. Only use personalization in areas where people expect it (after opting in, in emails, etc.). The goal of personalization is to make a lead or customer feel welcome. The moment they feel welcomed on your site you have succeeded with personalization. – Seth Fendley | ClearPivotCompare Tracking to In-Store BehaviorWhen talking to marketers who think tracking and personalization are creepy, I like to compare their website to a brick-and-mortar store. You know when someone is window shopping, who has come in, and what products they are looking at. Tracking and personalization provide this level of service for the digital world. – William McKee | KnowmadUse Personalization as a Greeting I will agree using personalization in the wrong way can be creepy as heck. However, thinking that all personalization is creepy is like saying knowing someone’s name is creepy. Can you imagine having a real-world conversation with someone who never used your name? Now that is creepy.In the real world, we can see they have brown hair, blue eyes, and walk with swag. Personalization done right let’s them know that we know who they are and that we dig their wicked swag.– George Thomas | The Sales Lion Personalization in Marketing Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack
Veteran wicketkeeper MS Dhoni will not be part of the 3-match T20I series against South Africa starting on September 15. Young stumper Rishabh Pant is set to don the gloves while all-rounder Hardik Pandya returns to the squad after a break.Hardik will be replacing Bhuvneshwar Kumar as the only change in the squad that won the T20I series against West Indies recently. The absence of both Bhuvneshwar and Jasprit Bumrah will mean that India will go into the series with one of their most inexperienced bowling attacks in recent times as the wrist-spinning duo of Yuzvendra Chahal and Kuldeep Yadav are also not part of the squad.India play South Africa in Dharamsala (Sept. 15), Mohali (Sept. 18) and Bengaluru (Sept. 22).India’s squad for 3 T20Is against South Africa: Virat Kohli(Capt), Rohit Sharma(vc), KL Rahul, Shikhar Dhawan, Shreyas Iyer, Manish Pandey, Rishabh Pant (WK), Hardik Pandya, Ravindra Jadeja, Krunal Pandya, Washington Sundar, Rahul Chahar, Khaleel Ahmed, Deepak Chahar, Navdeep SainiIndia’s squad for 3 T20Is against South Africa: Virat(Capt), Rohit (vc), KL Rahul, Shikhar Dhawan, Shreyas, Manish Pandey, Rishabh Pant (WK), Hardik Pandya, Ravindra Jadeja, Krunal Pandya, Washington Sundar, Rahul Chahar, Khaleel Ahmed, Deepak Chahar, Navdeep Saini#INDvSABCCI (@BCCI) August 29, 2019Dhoni has been out of action for the past month-and-a-half after the World Cup during which he also did a fifteen-day stint with Indian territorial army in his capacity of Hon Lieutenant colonel. Dhoni is currently in the USA for a Chennai Super Kings event.advertisementIn Dhoni’s absence, Rishabh Pant donned the gloves in both ODIs as well the T20I matches and in the first Test against West Indies. Pant appears the best suited to take over from Dhoni in the long run but the two-time World Cup-winning captain is yet to take a call on his future.India’s next white-ball assignment will be in November when Bangladesh come home for three T20I matches. Selectors will ultimately have to take a big judgment call on Dhoni’s future, if he decides to have another crack at the next T20 World Cup scheduled in October 2020.Dhoni’s first India captain Sourav Ganguly had earlier told India Today that Mahi should continue to play only if he is confident he can play like Dhoni of old. “MS (Dhoni) is at a stage in his career where he has to take a decision what can I do ahead, can I contribute in the future, can I take India to victory like M.S. Dhoni, not someone else,” he said.Also Read | National Sports Day: Full list of award winnersAlso Read | Yuzvendra Chahal, Axar Patel and Shivam Dube help India A beat South Africa A
World Cup-winning India off-spinner Harbhajan Singh said India are going to benefit a great deal from their move to promote Rohit Sharma to open the innings in Tests but stressed the team management should give him a longer run at the new role.Harbhajan Singh also expressed surprise at why the team management took this much to promote Rohit Sharma but insisted that it’s “better late than never”.Harbhajan Singh’s comments came after Rohit Sharma shone in his first Test as opener. Rohit slammed twin hundreds in the 1st Test of the ongoing 3-match series against South Africa in Visakhapatnam.Rohit Sharma became the 1st batsman ever to score hundreds in each innings in his maiden Test as opener. Rohit hit 176 in the 1st innings and followed it up with a quickfire 127 (149 balls) in the 2nd innings to set up a 203-run win for India.Rohit played with the dominance that he is known for in white-ball cricket as he went on to break the world record for most sixes in a Test by a batsman.”Everyone is impressed [with Rohit’s performance in Vizag]. This is probably the best decision the management has taken in the recent past. This is going to be great for Team India going forward, Rohit Sharma opening in Tests. Once he gets set, he takes the game away from the opposition. I would like the management to stick with him for at least 8 to 10 games. I am really, really happy with the way he played and scored in the game. India Won the game and a lot of credit should be given to Rohit Sharma for setting the game up,” Harbhajan Singh told India Today.advertisement”Well, he could have. Why not? Since he has been opening in ODIs and T20Is, he is a very experienced bowler. He has got the technique to play the fast bowlers. I don’t know why it didn’t come to their mind earlier. Better late than ever, they say. He has got a chance. He has proven with the numbers as well that he is more than capable to be in the Test squad. I wish him all the luck going forward.”Speaking to the press after his record-breaking outing as opener in Vizag, Rohit Sharma revealed that the talks of his promotion to opener’s role in Tests was going on for quite some time in the Indian dressing room and he was told it would happen anytime during India’s tour of West Indies earlier this year.Rohit had done well at the No. 6 spot but his inability to get going overseas did not help his case when it came to cementing a spot in the Test XI. With Hanuma Vihari’s emergence, Rohit’s Test future was in doubt but the Mumbai batsman has made the most of a lifeline that came his way.”The talk was going on for a long time. In the West Indies (in August), they told me clearly it is going to happen now. I was prepared for the past two years. At some stage, I was aware that I might have to open so I was ready,” Rohit had said.Also Read | All the experience Rohit Sharma has accumulated over the years came to the fore in Vizag: Virat KohliAlso Read | I would have doubled points for away wins: Virat Kohli on World Test Championship tableAlso See:
Manchester United Man United’s Young gets three-game ban for elbowing Tadic Joe Wright 03:39 1/1/18 FacebookTwitterRedditcopy Comments(0) Getty Images Manchester United Premier League Watford v Swansea City Swansea City Watford Everton v Manchester United Everton The absences are piling up for Jose Mourinho, as the suspended Young joins the likes of injured duo Lukaku and Zlatan in missing the next matches Manchester United’s Ashley Young has been given a three-match ban by the Football Association (FA) after he accepted a charge of violent conduct.Young appeared to elbow the Southampton’s Dusan Tadic in the stomach as they jostled at a corner during the second half of the 0-0 draw at Old Trafford on Saturday.The 32-year-old accepted the charge, but his argument that the length of the suspension was excessive was rejected by an FA regulatory commission. Article continues below Editors’ Picks Lyon treble & England heartbreak: The full story behind Lucy Bronze’s dramatic 2019 Liverpool v Man City is now the league’s biggest rivalry and the bitterness is growing Megan Rapinoe: Born & brilliant in the U.S.A. A Liverpool legend in the making: Behind Virgil van Dijk’s remarkable rise to world’s best player “Ashley Young will be suspended for Manchester United’s next three matches,” the FA confirmed in a statement. “He accepted a violent conduct charge following an off-the-ball incident during yesterday’s game against Southampton, but argued the suspension was excessive. This was rejected by a Regulatory Commission.”Ashley Young will be suspended for Manchester United’s next three matches. He accepted a violent conduct charge following an off-the-ball incident during yesterday’s game against Southampton, but argued the suspension was excessive. This was rejected by a Regulatory Commission.— FA Spokesperson (@FAspokesperson) December 31, 2017The FA has also issued a three-game ban to Swansea City’s Kyle Naughton after he was seen apparently stamping on Watford striker Stefano Okaka in their 2-1 win at Vicarage Road.The news on Young is another blow for United manager Jose Mourinho, who is already without full-back Antonio Valencia, club captain Michael Carrick, Chris Smalling, Eric Bailly, Marouane Fellaini, Zlatan Ibrahimovic and Romelu Lukaku due to injury.United face Everton on Monday before they host Derby County in the FA Cup next Friday. They then meet Stoke City on January 15. Check out Goal’s Premier League 2019-20 fantasy football podcast for game tips, debate and rivalries.