vineri, 16 ianuarie 2015

Damn Cool Pics

Damn Cool Pics


A Few Tricks for Becoming More Productive

Posted: 16 Jan 2015 11:45 AM PST

With these tips you can become more efficient and waste less of your time every day.















If You Find A Girl Like This Marry Her Right Away

Posted: 16 Jan 2015 08:49 AM PST

These women all deserves awards for being awesome girlfriends.






















Hacking Keyword Targeting by Serving Interest-Based Searches - Whiteboard Friday

Hacking Keyword Targeting by Serving Interest-Based Searches - Whiteboard Friday


Hacking Keyword Targeting by Serving Interest-Based Searches - Whiteboard Friday

Posted: 15 Jan 2015 04:17 PM PST

Posted by randfish

Depending on your industry, the more obvious and conversion-focused keywords you might target could be few and far between. With Google continuing to evolve, though, there's a whole host of other areas you might look: interest-based keywords. In today's Whiteboard Friday, Rand shows you how to find them.

For reference, here's a still of this week's whiteboard!

Hacking Keyword Targeting whiteboard

Video transcription

Howdy, Moz fans, and welcome to another edition of Whiteboard Friday. This week we're chatting about keyword targeting and specifically some of the challenges that happen when your keyword targeting list is rather small or hyper competitive and you need to broaden out. One of the great ways you can do that is actually by hacking the interests of the people who are performing those searches, or might perform those searches in the future, or might never perform those searches, but are actually interested in the product or service that you have to offer.

Classic, traditional keyword research is all about focusing on the product or service's purchase intent. Meaning, here's let's say Charles over here. Charles needs to better track his fitness. He knows that what he'd like to able to do is get some tools to track his fitness. Maybe he's looking at a Fitbit or something like that.

When we, doing marketing to Charles, have a fitness tracking product or a piece of software or a piece of hardware to offer him, we're thinking about terms like fitness tracking software, track weight loss, workout measurement, and monitor workout progress, very direct, very obvious kinds of search terms that are clearly going to lead Charles from his intent right over to our website.

This is perfect keyword targeting keyword research if you're doing paid search, because with paid search you need a return on that investment right away. You don't want to be bidding on keywords, generally speaking, that are not going to directly bring you sign-ups, conversions, potential costumers.

This is not so true, however, when it comes to SEO. A lot of times when folks look at their SEO campaigns, they go, "Man, the list of keywords that I could target that really say expressly I want a fitness tracking piece of software or a fitness tracking piece of hardware is not that long. Therefore, what else should I create? What other terms could I potentially go after?" That's where you want to do a little bit more of what social display and retargeting does, which is to think about reaching people based on their interests, their attributes, and the actions that they've taken.

If you go to Facebook and you do some ad targeting there, it's not based on, hey, Charles expressly did a search for fitness tracking software. But you can go and find all the people who've labeled fitness as an interest of theirs. You can then further refine by demographics and psychographics, job, location, income, and all these other attributes.

This is what you can do in, for example, Google's Display Planner as well. You can look at I want all the people who've read articles on MensHealth.com. Or you can get even more specific with some kinds of advertising and say, "I only want to advertise in front of people who looked at articles specifically on cross training, because we happen to know that maybe that's that best target group for us."

This is a very cool process too. But in SEO we can actually merge these two things. We can put them together, and a lot of smart SEOs do this. They combine these two practices in their keyword research and targeting. They find people who like fitness, and then they talk to them. They ask them questions. This can be implicit, explicit. This can be through surveys. This can be through interviews. You kind of sit down, and you're like, "Okay, that's really awesome. Can you tell me more about what inspired your love for fitness? Tell me about the content that you looked at prior to this. Tell me about books that you read, people that influenced you, all those kinds of things."

You're trying to gather that information, those subjects of interest. Not just fitness, but other things that they touch on. Content that they may have found or liked before learning that they wanted to track their fitness progress. Websites that they frequently visit. People and brands or accounts that they follow on social media. Who are their influencers?

We learn all this, and now we have kind of this topic set for pre-interest keyword research. Pre-interest, meaning, before the party is actually interested in the product or service or solution that we provide, what are they interested in? We can do keyword research and targeting based on those things.

What's awesome about this is it's like potentially much lower competition, earlier brand exposure, which means that all of our others efforts that are targeting them further down the funnel are likely to be more effective because they've already been exposed to our brand. They know us. Hopefully, they like us already.

This is huge for content marketing. Very rich content opportunities. Usually, content marketing opportunities and content creation opportunities that aren't just purely self-promotional either. You go and create content about this and you're a fitness tracking company, well, that's pretty typical. That's to be expected. It's going to be self-promotional whether it's explicitly promotional or not.

But this type of content is very different. This type of content is all about promoting a movement or promoting information about a topic that you know potentially your subjects will have interest in, in the future, and because of that it's much easier to promote and share without being perceived as prideful and self-promotional, which tamps down a lot of the sharing that you could get.

Instead of things like fitness tracking software, I'm going to get running trails, comparison of cross trainer sneakers, strength training exercises, healthy meals for muscle growth. Awesome.

This is really cool. This process is what you want to use in that keyword research and brainstorming. Start before you get bogged down into, hey, these are the only terms and phrases that we can target because these are the only things that express intent.

Sometimes this might cross over into PPC. Most of the time this is really useful for SEO and content creation.

All right, everyone, I look forward to seeing some tools, tactics, and tips from all of you in the comments. We'll catch you again next week for another edition of Whiteboard Friday. Take care.

Video transcription by Speechpad.com


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Seth's Blog : You are what you share

You are what you share

I have a friend who can always be counted on to have a great book recommendation handy. Another who can not only tell you the best available movie currently in theatres, but confidently stand behind his recommendations.

And some people are eager to share a link to an article or idea that's worth reading.

Most people, though, hesitate. "What if the other person doesn't like it..."

The fear of being judged is palpable, and the digital trail we leave behind makes it feel more real and more permanent. We live in an ever-changing culture, and that culture is changed precisely by the ideas we engage with and the ones we choose to share. 

Sharing an idea you care about is a generous way to change your world for the better.

The culture we will live in next month is a direct result of what people like us share today. The things we share and don't share determine what happens next.

As we move away from the top-down regime of promoted movies, well-shelved books and all sorts of hype, the recommendation from person to person is now the most powerful way we have to change things.

It takes guts to say, "I read this and you should too." The guts to care enough about our culture (and your friends) to move it forward and to stand for something.

We'll judge you most on whether you care enough to change things.

       

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joi, 15 ianuarie 2015

Mish's Global Economic Trend Analysis

Mish's Global Economic Trend Analysis


Contagion Catch 22; Finland Opposes Greece Bailout Deal; No Scope for Solutions

Posted: 15 Jan 2015 03:04 PM PST

Alexis Tsipras, head of the Greek radical-left party Syriza, currently in the lead in national elections, wants a new bailout deal for Greece, including huge debt writeoffs.

Socialist policies aside, on that score Tsipras is correct. Greece cannot possibly pay back the €245 billion it owes creditors.

Contagion Catch 22

Germany fears contagion in the form of demands by other countries that will also want bailout deals or rule changes if Greece gets one.

Yet, yet a much more destructive contagion via a cascade of defaults is all but assured if Greece is forced into default.

New Hurdle in Finland

Making matters worse, Finland has joined the no bailout parade. Even if Germany was willing to  offer Greece some concessions, Finland does not want to go along.

This poses an additional problem for the eurozone block that must agree unanimously to all such deals.

With that backdrop, please consider Finland Emerges as Major Hurdle to Greek Bailout Deal.
Finland has emerged as the biggest stumbling block to negotiating a new bailout deal with an incoming Greek government, telling its eurozone partners that it will not support debt forgiveness and is reluctant to back another extension of the €172bn rescue.

In an interview, Finland's prime minister [Alex Stubb] said he would give a "resounding no" to any move to forgive Greece's debts and warned that a new government in Athens would have to stick to the terms of the existing bailout.

"We will remain tough. It is clear that we would say a resounding no to forgiving the loans," Mr Stubb said.

"We naturally do not want to influence the Greek elections," Mr Stubb added. "But I think it's fair to Greeks and Finns to say out loud that some of the statements by Greek parties, and their presentations and ideas about the current programmes are simply unacceptable for Finland."

The bailout of Greece has been a lightning rod for anti-euro sentiment in Finland. It was arguably the most enthusiastic cheerleader for austerity during the euro crisis. In an unusually tough stance that angered other European countries, it insisted in 2011 on receiving collateral from Athens before giving its backing to one of the Greek bailouts.

"We believe there is no going back on the loans or any of the other programmes. We should keep crystal clear in mind that the loans have already been eased many different times."
Limited Scope for Solutions

Even if Finland was agreeable to bailout changes, the Size of Greece's Debt Limits Scope for Solutions.
Eurozone finance ministers agreed in November 2012 to consider further debt relief for Greece once it reached a budget surplus before interest payments, which it did for the last two years, and as long as it stuck to its promises of austerity and reform.

But how much scope is there to reduce Greece's debt burden?



Around three-quarters of Greek public debt — or around €270bn out of a total of €317bn — is held by the official sector — the EFSF eurozone rescue fund, the European Central Bank as well as the IMF, according to IMF figures.

Of the €270bn, defaulting on the €24bn owed to the IMF is considered the ultimate taboo, even by Syriza.

The ECB and national central banks are owed €54bn. The ECB is unable to offer any relief, since it could constitute illegal monetary financing of national governments.

According to an analysis of options by the Bruegel think-tank, reducing interest rates on the €53bn in bilateral loans to the three-month borrowing costs of each eurozone governments would reduce Greece's debt mountain by 3.4 per cent of GDP by 2050 (in net present value terms). A further 10-year maturity extension would shave off another 4.5 per cent of GDP.

On its €142bn in EFSF loans, Greece only pays 1 basis point over the rescue fund's borrowing costs, so there is little room for cutting the interest rate. But a 10-year maturity extension would cut the debt pile by a further 8.1 per cent of GDP.

Together, these concessions would reduce Greece's debt burden to only around 160 per cent of GDP, a long way from Syriza's objective. But EU officials argue that the overall total matters less if annual payments are low and spread out over several decades.



Other options, such as cheap fixed rate loans, or a much more radical debt forgiveness scheme along the lines of the Paris club, would impose direct losses on lenders and could be impossible for Greece's eurozone partners to swallow.
High-Growth Impossibility

The burden of debt in and of itself rules out the "high-growth" scenario. Yet all other options leave Greece with debt-to-GDP near 150% for as far as the eye can see.

Recall that the Troika once said that debt over 120% of GDP was untenable. Now officials conveniently argue "the overall total matters less if annual payments are low and spread out over several decades".

The longer this stretches out, the longer Greece will remain a mess.

Now vs. Then

Recall that the Troika forced €245 billion of bailout debt on Greece just to prevent default on €40 to €50 billion or so in obligations.

Bailouts never made any sense. However, what makes the most sense now, is to recognize what cannot be paid back, won't.

Given that Germany and now Finland don't want to make that kind of ruling, outright default and a eurozone exit looks increasingly likely. Should that happen, the creditor countries will all be worse off than if they did grant a change in terms.

Financial Chicken

What's going on is an amazing game of financial chicken, arguably coupled with financial ignorance. Let's take a look at Finland and Germany's Responsibility should Greece default.

Here is some charts and commentary from Bluff of the Day: Germany Warns "Greece is No Longer of Systemic Importance For the Euro".

Eurozone Financial Stability Contribution Weights

CountryGuarantee Commitments (EUR) MillionsPercentage
Austria€ 21,639.192.78%
Belgium€ 27,031.993.47%
Cyprus€ 1,525.680.20%
Estonia€ 1,994.860.26%
Finland€ 13,974.031.79%
France€ 158,487.5320.32%
Germany€ 211,045.9027.06%
Greece€ 21,897.742.81%
Ireland€ 12,378.151.59%
Italy€ 139,267.8117.86%
Luxembourg€ 1,946.940.25%
Malta€ 704.330.09%
Netherlands€ 44,446.325.70%
Portugal€ 19,507.262.50%
Slovakia€ 7,727.570.99%
Slovenia€ 3,664.300.47%
Spain€ 92,543.5611.87%
Eurozone 17€ 779,783.14100%

The above table from European Financial Stability Facility

Here's a second table that will put a potential €245 billion default into proper perspective based on percentage liabilities.

Responsibility in Euros

CountryPercentageGreek Debt Responsibility
Austria2.78%6.79875
Belgium3.47%8.49317
Cyprus0.20%0.479465
Estonia0.26%0.62671
Finland1.79%4.3904
France20.32%49.79527
Germany27.06%66.308515
Greece2.81%6.88009
Ireland1.59%3.88913
Italy17.86%43.75651
Luxembourg0.25%0.611765
Malta0.09%0.221235
Netherlands5.70%13.96451
Portugal2.50%6.12892
Slovakia0.99%2.42795
Slovenia0.47%1.151255
Spain11.87%29.076355
Eurozone 17100%245

The idea that Greece is responsible to cover its own default is of course ridiculous, so mentally spread Greece's €6.88 billion liability to the other countries.

Where is Spain going to come up with €30 billion? Italy €45 billion? France €51 billion?

A quick check shows that Finland would need to come up with €4.3 billion? To Finland, that's a huge pile of money.

Where will any of these countries come up with their share?

The simple answer is they aren't. So, does the ECB print the money in violation of rules and pass it out?

If not, who's bluffing whom regarding "systemic importance" of Greece?

Extreme Irony

Greece was no systemic threat to the eurozone until the Troika foolishly threw €245 billion at Greece hoping to prevent a default.

Curiously, the Troika made Greece a systemic threat by pretending it was, when it really wasn't. And now that it is, they pretend that it isn't.

Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com

Rabbit Hole Intervention Fails: Wild Moves in Swiss Franc as Switzerland Abandons Euro Peg; Morals of the Story

Posted: 15 Jan 2015 11:50 AM PST

Today in a surprise announcement, the Swiss National Bank abandoned its silly policy of defending a peg to the euro.

Previously, the bank had set a line in the sand, defending the peg at all costs. That policy meant Swiss accumulation of hundreds-of-billions of euros that today plunged in price.

Wild Swings



click on chart for sharper image

32% Move in 30 Minutes

As the above chart from Investing.Com shows, the Swiss Franc soared in value from 1.20-per-euro all the way to 0.82-per Euro.

That is a 32% currency move vs. the euro in a matter 30 minutes! Since then, the Franc declined back to 1.03-per euro.

One week from today, the ECB is expected to announce a massive €1 trillion QE intervention. If the euro declined as expected, the Swiss National Bank would have to accumulate billions more euros to defend the peg.

With that, the Swiss National Bank finally threw in the towel on the euro peg that it promised just last month would defend with "the utmost determination".

Swiss Franc Rockets

The Financial Times has some interesting comments in Swiss Franc Rockets as Currency Ceiling Scrapped.
The SNB's decision highlights the difficulties that central banks of smaller economies such as Switzerland and the UK face as they navigate the turbulent waters between the US Federal Reserve, which is closer to tightening monetary policy, and the ECB, which is poised to loosen it.

It also marks a dramatic volte-face for the SNB, which insisted as recently as December that it remained committed to preventing the franc from strengthening beyond SFr1.20 to the euro, adding that it would enforce the policy with "the utmost determination".

Thomas Jordan, chairman of the SNB's governing board, defended the decision though, saying that once it was clear that the policy was no longer sustainable, it was important to act quickly. "It is better to do it now than in six or 12 months when it would hurt more," he said.

Simon Derrick, chief market strategist at BNY Mellon, said that the SNB had clearly anticipated a huge surge of inflows into Swiss franc assets in the coming days and "saw little reason to provide buyers with an artificially cheap rate".
Rabbit Hole Intervention

Anyone recall my frequent comments about currency intervention?

First in regards to the Japanese yen, then in regards to the Swiss Franc, then in regards to the Russian Ruble, I said currency intervention doesn't work.

In this case, the Swiss National Bank is no longer willing to follow the euro further down the rabbit hole. Can you blame them?

Switzerland's foreign exchange reserves have swelled dramatically since the SFr1.20 target was introduced. At the end of December they had reached SFr495bn — or almost 80 per cent of Swiss economic output — up from SFr257bn at the end of 2011.

Lessons for Polish and Hungarian Borrowers

Borrowed money in Swiss Francs? If so you are now in serious trouble. Please consider Swiss move hits Polish and Hungarian borrowers.
The abrupt move by Switzerland's central bank to abandon its policy of restraining the franc sparked a financial rout on Thursday in Poland and Hungary, where hundreds of thousands of mortgages are priced in the Swiss currency.

Hungarian borrowers will be shielded from a nearly 25 per cent surge in repayment costs, thanks to a conversion programme introduced by prime minister Viktor Orban in November to protect borrowers from foreign exchange risks.

By contrast, the more than €30bn worth of Polish mortgages tied to the franc enjoy no such protection. Citibank estimated that the various currency moves would increase Poles' average repayment costs for franc-denominated mortgages by 17 per cent, which could boost the rate of non-performing loans from its current level of about 3 per cent.

This sparked concerns among lenders on Thursday that public anger could ultimately force Warsaw to try to enact a similar measure retroactively.

Swiss franc denominated credit accounts for about 8 per cent of Poland's total bank assets, but 37 per cent of its total home loans, making it a potential political issue with a general election set to take place in nine months.
Morals of the Story

  1. Don't borrow money in other currencies, especially long-term mortgages.
  2. Don't expect currency interventions to work forever.
  3. Don't believe statements made by central bankers. They are not the economic wizards they are made out to be, and they often lie when it suits their purpose.

Additional Repercussions

This move will shock all of Europe very badly. I doubt it could have come at a worse time. Europe was already heading for a serious recession. This shock wave will make matters worse. And to top it off, the QE coming from the ECB is doomed to fail. It too will make matters worse.

For a discussion of why QE will doom Europe, please consider Steen Jakobsen Warns "Euro is Not a Good Idea and ECB About to Make Biggest Mistake in History"

Gold is up about $25 dollars today, an arguably muted response but certainly in the appropriate direction given all the central bank foolishness that is doomed to fail.

Addendum:

I added point number three. It's an important one: Don't believe statements made by central bankers. They are not the economic wizards they are made out to be, and they often lie when it suits their purpose.

Today may very well be the start of the "recognition phase" that central banks are not in as much control as widely thought.

Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com

Damn Cool Pics

Damn Cool Pics


Your Girl Is Watching You

Posted: 15 Jan 2015 02:48 PM PST

One guy went out on the town with his buddies. Opened his phone to this.




































What Macaulay Culkin Is Really Up To Nowadays

Posted: 15 Jan 2015 02:42 PM PST

A lot of rumors get spread around about Macaulay Culkin and his lifestyle. But the truth is he's doing just fine and having a lot of fun with his band The Pizza Underground.