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الاثنين، 27 يوليو 2015

28 Browser Extensions That Make an SEO’s Life Easier

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As an expert SEO, you have to be a jack-of-all-trades.

You need to understand link building, marketing, public relations, psychology, and technology.

At a certain point, there’s just not enough time in the day to do everything you’d like to do.

But you can save quite a bit of time and effort on small things by using browser extensions.

You can install them with one or two mouse clicks and access them with ease to the right of your address bar.

They will help you:

  • analyze website performance quickly
  • examine code behind websites
  • build links better
  • save time by improving your task efficiency

I’ve put together a list of 28 browser extensions I consider to be the best. I encourage you to give a few of them a try.

A quick heads-up: most of these extensions are for Chrome, but many also have a Firefox version. Only a few of them will work on less popular browsers such as Internet Explorer, Safari, or Opera. 

Analyze websites and backlinks with the click of a button

SEOs have to analyze websites constantly.

The extensions in this section will give you a quick glance at the number of backlinks and social shares a page has as well as its basic on-page SEO.

1. Mozbar. Mozbar was the first of its kind. Even though there are now solid alternatives, the Mozbar remains a popular choice among SEOs.

You can use this extension in two main ways.

The first is when you search for a keyword in Google. It will display statistics below each search result:

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You can quickly see the page authority (PA) and domain authority (DA) of the pages to assess the competition. You can also use the button beside the Google search bar to get a keyword difficulty score.

The second way in which you can use Mozbar is when you land on a web page. When you click on the Mozbar icon, you’ll see a bar pop up with the page’s overall stats.

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Again, it gives you the PA and the DA scores as well as social sharing stats.

You can also dig deeper by clicking the magnifying glass icon on the left side of the bar, which will expand into a new panel.

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In the panel, you can see the page’s:

  • meta text
  • alt text
  • headings
  • page speed load
  • markup
  • and more

You can see most of this with a free account, but if you want full access, you will need a PRO account with Moz.

It’s a beautiful and useful extension, but it has lost a lot of its popularity because it relies solely on Open Site Explorer (OSE) data. Compared to other leading link databases, OSE is smaller (contains less data) and updates slower.

2. Ahrefs SEO Toolbar. This is one of Mozbar’s competitors I mentioned. It is made to fulfill much of the same functionality but with data from the superior Ahrefs database instead.

When the bar is active on a page, it’s very thin at the top and shows you both link and social information of that specific URL as well as the overall domain stats.

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You’ll find basic information such as:

  • backlinks and referring domains
  • Ahrefs URL rating and domain rating
  • social shares from the main networks
  • the same info for the root domain

All basic features are free, but if you have an Ahrefs subscription, you can dig deeper.

When you click the down arrow in the top left corner, a panel with more information will expand. You’ll be able to see a graph for the recent backlink growth (or decline) to the page or domain. There is also a handy link to go to the actual Ahrefs site explorer if you’d like to take a closer look.

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Finally, you can also activate the plugin when you search for something on Google. You’ll get a small information-packed bar under each URL:

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It shows linking and social data for both the URL and domain.

3. Majestic SEO Toolbar. This is the other main competitor of Mozbar. Again, it has all the essential features of an SEO toolbar.

When you activate it on a web page, you can see the:

  • number of links
  • number of root domains
  • trust flow and citation flow
  • link profile chart
  • and more

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All the information is drawn from the Majestic SEO database, of course. The information in the main “summary” tab is free. If you’d like to use the other tabs, such as the detailed backlink analysis or anchor text, you’ll need a paid account.

The only potential problem is that, unlike the other SEO extensions here, it does not analyze search results. So if you’re looking for a quick keyword competitor analysis, one of the other tools might be a better option.

4. SEO & Website Analysis by WooRank. This plugin is one of the best all-in-one SEO plugins. The three extensions we’ve looked at so far all focused on backlinks and page authority, but this extension is more focused on on-page SEO and technical aspects.

Click its icon while you’re on a page, and a panel will pop out of the left side. Let it run for about 20-30 seconds (depends on the page):

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The first thing you’ll notice is an overall score out of 100. This indicates how many of the basic best practices the page follows.

The real power of this extension is in the small tabs along the top. Each tab will give you different information about the page and site:

  • basic SEO: title tags and meta information
  • mobile optimization: a mobile friendly score and previews on different devices
  • usability: page load metrics and how easy it is to access content
  • technology: what plugins and CMS are being used
  • social: basic social sharing statistics
  • visitors: estimate of traffic level

The great thing about this toolbar is that almost all of this information is free. There are a few advanced options that require a premium account.

5. Check My Links. If you ever do broken link building, you need this extension.

When you’re on a page, just click the extension icon, and it’ll quickly test all the links to see if they’re working.

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Working links are highlighted in green, while the broken ones will be highlighted in red with the error code beside them.

The only thing that could be improved here is having a shortcut to quickly copy the URLs and anchor text of the broken links, which could then be pasted into an email or spreadsheet. Still, this is the best broken link checker I’ve used.

6. Domain Hunter Plus. This extension can also be used to identify broken links. However, it was made for a very specific purpose: to find expired domains that already have backlinks and authority.

It’s very simple to use. Go to a high authority page with a lot of links, and click on the extension’s icon to scan the page. It will find all the broken links on the page and show them to you in its little panel.

The cool thing is that it also shows you how many links are pointing to the broken URL as well as how many links point to the domain. Finally, it shows you if the domain is available to register.

If you’re looking to pick up a cheap domain that already has some decent authority, spend a few hours with Google and this extension, and you can probably find what you’re looking for.

7. SEO Quake. Some SEOs don’t want an extension associated with a premium link tool or need something a little more customizable.

SEO Quake is a little more basic than other extensions, but it still gives you the essentials. It’s also one of the few available for all major browsers (including Opera and Safari).

It is designed, just like Mozbar and Ahrefs, to work with search engine result pages (SERPs). With it, when you search for something on Google, you’ll get a bar beneath each result.

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It gives you quick estimates of the number of links to the page and domain, page age, alexa rank, and links to whois info. One really cool feature is the ability to save the SERP data and results as a CSV file (spreadsheet).

When you use the extension on a web page (other than a search engine), it will open up a new tab with the results. It’s not pretty, but it does contain:

  • basic meta information
  • basic social shares
  • keyword density
  • backlink information

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Be aware that the link data comes from publicly reported Google and Bing/Yahoo links, which aren’t necessarily the most up-to-date or accurate.

Finally, I mentioned that you could customize this extension. It’s possible to add your own parameters if you need non-standard metrics and are not afraid to learn a bit about regular expressions.

8. Meta SEO Inspector. This extension is extremely basic but clearly shows you the meta information of a page. When you click the icon, you’ll get something like this:

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The information includes the basic meta tags (title, description, keywords) and open graph tags (important for social media), and it highlights if any important ones are missing.

Most SEOs won’t need this very often, but it might be nice to have if you find yourself needing to find and copy down meta information once in a while.

9. NoDofollow (Firefox) or NoFollow (Chrome). These two extensions aren’t made by the same creator, but they are the leading options for this function for the corresponding browsers. As their names suggest, when the extensions are active, they identify all links as “dofollow” or “nofollow.”

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With NoDofollow (pictured above), the good links (dofollow) are highlighted in blue, while nofollow links are highlighted in red.

There may be some value in having nofollow links in your link profile, but typically you want to focus your effort and resources on obtaining high quality dofollow links.

Here is when these tools would be useful: (1) when you’re trying to decide if you should comment on a site or (2) if you’re wondering if links from a new social media site have any SEO value. A quick click of the button gives you an easy answer.

Extract useful information from the web

When it comes to SEO research, most is done on the web. Instead of wasting your time doing everything manually, use the extensions in this section to speed things up.

10. Scraper. If you’re an SEO, chances are that you need to copy down links and written content from pages on a fairly regular basis. Scraper is designed to work on most pages.

When you come across a chart or table you’d like to scrape, you can highlight a few cells/rows and then right-click on the selection and choose “scrape similar.” The tool will find data in the rest of the table, giving you the ability to open it as a spreadsheet.

Watch this short video to see how it works:

One final note about Scraper is that it isn’t going to work 100% of the time. It’s designed to be lightweight and intuitive, which means that it sacrifices the complexity to make it robust enough to handle all situations.

That being said, I think you’ll find it useful in a large percentage of the situations that need a quick scrape.

11. Link Grabber. The first thing you’ll notice about Link Grabber is that it’s extremely fast. When you have a web page open and click the icon, a new tab will open almost immediately with a complete list of links.

These links are clickable, and you could also copy/paste them into a spreadsheet:

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Unfortunately, there’s no option to see only external links. If you’d like to only see those, right-click the icon and click on options. Then, you can add the domain you’re on to the blocked domains list so that it won’t show up. It’s not the most elegant solution, but it will work in a pinch.

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This plugin is useful if you’re trying to quickly collect a list of sites that a particular domain links to. You can analyze the results together in a spreadsheet to find the most popular linked-to sites and see if you can devise a strategy to get links too.

Additionally, sometimes you just need a quick link count or want to examine the internal linking of a site.

Find out what lies beneath the surface of a web page

Remember that Google doesn’t see what we see when we’re surfing the web—its bots see code. Not all code is visible on a web page itself. SEOs need to be able understand the basics of HTML, CSS, and even Javascript.

These extensions will help you find out what’s behind a particular page.

12. Firebug. This extension is a must for any SEO or developer using Firefox. It allows you to right-click on an element of a page to see its HTML and CSS.

Additionally, you can edit the HTML/CSS to see what the page would look like with different parameters. Developers can use Firebug to debug websites, but SEOs typically don’t need to worry about that.

There’s no way I can show you all the features of the tool in this post, so watch this quick video if this sounds like something you could use:

Chrome has a pretty great built-in code inspector already. However, if you like Firebug on Firefox, there’s also a lite version of it for Chrome. It can do almost everything the Firefox version can minus Javascript debugging and a few other features.

13. User Agent Switcher. Your website’s visitors use all sorts of browsers, devices, and software. In many cases, certain visitors have trouble seeing your website as intended.

If you’re a smart SEO, you’ll dig into your analytics every once in a while to see if a certain subset of users has abnormally poor user metrics (high bounce rate, low time on page, etc.).

Unless you own 20 different phones, laptops, and tablets, it isn’t easy to investigate the issue.

With this extension, you can set your browser to tell any website that it’s a specific browser, device, or operating system. You can even pretend to be a search engine spider.

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So when you have a problem with low conversion or poor engagement, you can find the cause and then use User Agent Switcher to confirm that you’ve fixed the issue.

14. Browsec. Depending on the sites you work on, your site may display different content to users in different countries. Alternatively, you may want to access some content that you can’t from your country’s IP address.

Browsec is a simple free VPN that allows you to spoof your IP address and makes websites think you’re located somewhere else. The free version of Browsec has a limited set of options but good enough for most situations:

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15. Wappalyzer. I love finding a new tool that helps improve conversion rate or engagement before it gets too popular. One of the best sources of new tools is other websites you frequently visit.

If you visit a website one day and see a new plugin, widget, or other feature that you love, chances are that it’s a WordPress plugin. Sometimes there will be a label on it, but not always.

You can use Wappalyzer to find a ton of information about a website, including:

  • widgets being used
  • the operating system
  • any special fonts
  • web server information
  • frameworks

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Just click the extension icon, and you’ll get a list within seconds.

16. Page load time. Having a fast-loading website is essential not just for search engine rankings but also for marketing in general. If your visitors can’t load a page quickly, more often than not, they’ll leave.

This extension is very simple. It shows how long it took you to load a page in your browser toolbar.

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You can expand the results to see a more detailed breakdown:

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You can see if any redirects are taking too long to load or if your server response time is too long, among other things. You can use this to see if you need a content delivery network (CDN) or a faster host.

17. Redirect Path Checker. Redirects are an important part of the Internet. As pages and sites get updated or transfer ownership, redirects can ensure that backlink authority is passed through and that visitors can still find you.

This extension will show you all the redirects from the URL you entered to your final URL:

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This simple extension can come in handy in a number of ways.

For example, if you’re analyzing your competition, it’s important that you know exactly what you’re up against. You can search for a page in Google and filter out all new results so that any links to that page from these results link to the original URL (if it’s different from the present one).

You can then use the plugin to follow the redirect chain and then find all the backlinks pointing to each URL along the way.

Additionally, you can use this to find any redirect problems you’re having with your own site.

18. Ghostery. This extension tracks all scripts on a page and shows them to you in an attractive little pop-out panel (when clicked).

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First, this tells you which widgets, plugins, and other scripts (like advertising networks) are being used on the page.

Additionally, you can block any of these scripts with the click of a button. If you’re running a lot of scripts on your website, this tool can let you test the effect they have on page speed as well as the appearance of your website to visitors.

Stay up-to-date with minimal effort

Many parts of your job as an SEO require you to stay up-to-date. Whether it’s information about SEO, your niche, or social media activities, there are extensions that can help.

I’ve collected them here for you.

19. Mozcast. Here’s another extension from Moz. It quickly shows you what the current Mozcast is in a little bubble on your browser’s toolbar. This can alert you to any big shifts in the SERPs so that you can look into any issues.

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If you visit the Mozcast website regularly, you may prefer to use this extension instead to save time. When you click it, a pop-out will show you a graph of the temperatures for the last 30 days.

20. Buffer. Buffer is an amazing tool for scheduling social media sharing. You can set it to share a certain number of posts per day at specific times automatically.

This extension allows you to add posts to share to your personal queue. Instead of having to go back to the main Buffer site, you can just click this extension icon when you come across something worth sharing and add it to your queue:

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The share will automatically be populated with your current URL and its title, but you can change it if you need to.

Another great feature of this plugin is that it adds a little Share Image button to the bottom right of all pictures.

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Including images in social media shares typically increases your engagement rate. When you click this button, it brings up the same pop-up as before, but it also includes the image you picked.

21. Pocket. In a field such as SEO, you always have to stay up-to-date if you want to be seen as competent. That means you have to read a ton of content on a regular basis.

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Pocket allows you to save articles, images, and videos for later. By using this extension, you can quickly “put content into your pocket.”

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Note that you can install Pocket on just about any operating system or device. That means you can save content from your computer and read it later on your mobile device when you have free time.

Be a more efficient and effective SEO

Who doesn’t want to free up some time?

These extensions will help you complete common SEO tasks faster and better.

22. Evernote Web Clipper. Evernote is primarily a note-taking software, but it has since become well known for its image editing software Skitch. Skitch lets you quickly annotate images, and it’s a tool I often use to annotate images for blog posts.

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This web clipper extension is essentially Skitch for your browser. You can select a full screenshot, an email, or a full page of content or select a specific part of a webpage.

It will open your selection in a new tab and let you edit it before saving it to your Evernote account:

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While there are only a few options for editing and annotating, it’s all you need 95% of the time.

23. TechSmith Snagit. If you’re not a fan of Evernote for some reason, no worries—I have you covered.

Snagit is a very similar tool, and in some ways, it’s even a bit better (and a bit worse in others).

I use it sometimes to create images for blog posts, so I don’t think you can go wrong with either option. Snagit is often a bit quicker just because you can download an image directly after editing it instead of going to your notebook and downloading it.

Once you make your selection, it will appear in a new tab so that you can edit it:

It has a few different options when it comes to shape and color, but it doesn’t have the advanced tools such as the marker, blurring, or highlighting.

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24. Bit.ly. A big part of your job as an SEO revolves around links. Bit.ly is arguably the most popular link shortener service. It lets you shorten URLs quickly, and it even lets you track stats such as the number of clicks a link got.

Another cool feature is that if you enter a URL to shorten it, if someone has already done it with Bit.ly, you can see how many people clicked it in the past.

When you click this extension icon, it will automatically give you a shortened URL to use. You can also share it directly from the pop-up with your social profiles:

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25. LastPass. How many accounts do you have on different websites? For most SEOs, it’s a ridiculous number.

Instead of having messy and unsecured spreadsheets or text files of user names and passwords, you can use LastPass.

It lets you save user names, passwords, and notes for any site you visit, and it will automatically fill them in (securely) when you come back in the future.

Instead of trying to remember 1,394,293 (or however many) passwords, you only need to remember one password for your LastPass account. You can access your data from any computer/device.

Here’s a brief overview of the free tool:

I only talked about convenience, but this is good for security too. You won’t need to reuse passwords since you can create a strong unique password for every account you own.

26. Momentum. If you find yourself getting off track during the day, Momentum could be a useful extension for you. It works by creating a custom “new tab” screen that you see every time you open a new tab.

First and foremost, Momentum shows you your main goal for the day. It also lets you create a handy to-do list.

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In addition, the backgrounds are gorgeous, and you can see your local weather as well.

It’s a nifty little tool to brighten up your day and keep you focused.

27. ShareMetric. If you don’t want to use a full SEO bar like I showed you earlier but you still need to know how a specific page has performed on social media, you can use this extension.

When you click the icon, this tool will show you any page’s stats for all major social networks:

  • Facebook
  • Twitter
  • LinkedIn
  • Google+
  • Reddit
  • StumbleUpon
  • Pinterest

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In addition, it shows you some basic SEO stats. It includes both Open Site Explorer and Ahrefs stats for URL and domain rank as well as linking root domains to the page.

28. iMacros. Automation is a powerful thing. It’s how blackhat and greyhat SEOs dominated search engine results for years. Now that Google has caught up, automated link building has died out for the most part. However, that doesn’t mean that automation can’t help you in other aspects of SEO.

If you’re doing anything on a daily or weekly basis and it’s the exact same procedure every time, it can be automated.

The power of automation is that even if it’s a small task, saving a few minutes on a regular basis will save you hours of time by the end of the year.

iMacros features full-fledged paid versions, but its extensions are free and good enough for most basic SEO tasks.

Here’s an overview of how the iMacros extension works:

Yes, this is a fairly technical thing to learn, but it’s worth it in the long run. Plus, most SEOs that I’ve talked to find it kind of fun.

If you want to start learning about automating tasks with iMacros, start with this tutorial.

Conclusion

I’ve shown you 28 browser extensions that can make any SEO’s life easier.

I doubt you need them all, but I hope you found at least a few extensions that will help you in the future.

While many of them have a learning curve, I recommend trying them out for a week at a time to find out which ones are really useful to you.

I know that I’ve probably missed some great extensions—don’t yell at me! Instead, leave me a comment below and let me know which extension(s) is your favorite.



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The Resurgence Of Outbound Marketing

Inbound isn't the be-all and end-all of marketing. Columnist Scott Vaughan offers up some steps to help make your outbound just as effective as your inbound marketing efforts.

Please visit Marketing Land for the full article.


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Questions About Student Loans, Social Isolation, Free Software, Old Cars and More!

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Facing huge student loan burden
2. Selling my house
3. Pantry organization
4. Dealing with frugal social isolation
5. Free software for memorization
6. Bulk buy it for life
7. Keeping an old car
8. “The One Thing”
9. Peer pressure at work
10. Inherited gold coins
11. Collecting on friend’s debt
12. Why doesn’t America save?

One of the most challenging parts of the mailbag is editing the actual questions from readers.

There are several types of edits that I do to questions. One is to clean up grammar and spelling and legibility and paragraph breaks so that it’s easily readable. Some readers send in very clear questions, while others write one long run-on sentence.

Another is to take out identifying information – after all, The Simple Dollar has no interest in revealing someone’s personal information to the world. I’d far rather have me look like a fool than a reader who trusted me with their question.

Another type is to reduce the length of a very long question into something more compact. I’ll often remove unimportant details and other materials from questions.

This does mean that sometimes questions transform themselves a little bit from their original form. Most of the time, I think I strike the balance right, but there are times where I reveal a bit too much in a reader’s question or I remove too much of their original tone in order to make it readable.

Believe it or not, I spend more time on each week’s Reader Mailbag than I do on any two or three other articles that I write. It’s really time consuming to read lots of questions, fix some of them up into a readable form, and provide good answers to them.

Q1: Facing huge student loan burden

I am about to enter my senior year at Penn State. My grades are good and I think I will be able to get a good job after graduating, but I am really freaking out about my student loans. I have already picked up $73,000 in student loans and this upcoming year is going to put me over the $100,000 mark. I don’t even know how I will ever pay that off and have any sort of life.

The entry level job in my field is about $35,000 a year. If I get a job like that I owe three times my annual salary right off the bat. The monthly payments themselves are going to add up to several hundred dollars which means that I will be left with like a thousand dollars a month to live on.

The thought of this is worrying me a lot but if I don’t continue and get my degree I will have $73,000 in loans and no college degree. I don’t know what to do here.
– Stephen

Assuming you’re an in-state student at Penn State with no significant scholarships and without any sort of job to cut back on these expenses, your numbers sound about right.

Unfortunately, you are facing a problem that’s pretty typical among college graduates these days. Many students exit college with student loan debt that’s substantially more than their annual income. I have one friend who took a job after college in her field with student loans more than four times bigger than her salary.

My only advice to you is to keep living cheap. Live like a college student for a number of years after you graduate. Keep a tiny apartment, maybe even with a roommate, and live lean. Don’t go out all the time and eat meals at home. Focus on knocking down those debts and establishing a great start in your career path so that the value of that degree doesn’t go to waste.

These are going to be your “salad years,” as the parlance goes. It’s okay. There will come a time in your life when you look back fondly on them.

Remember at all times that your goal in the first several years after college is to eliminate student loans while not building other debts and build up your career. That is your mission. If you succeed at it, you’ll be set for a very long time.

Q2: Selling my house

My wife passed away about a year ago. I have decided to sell our house as it is too full of memories. I have been selling off her possessions slowly over the last several months and giving some of them to her family members and friends and now I am ready to move into an apartment as I don’t want to deal with the upkeep of a house any more.

When I sell this house, what is the best approach to take for taxes. I have read a number of guides on selling a house but none of them mention taxes. Should I put some percentage of it aside to pay the taxes on the sale?
– James

Assuming that you lived in this house as your primary residence for two of the last five years, you probably won’t owe any taxes on it. Since you’re a single owner, if you meet that qualification, you can earn $250,000 in profit from selling your house tax-free. So, if you bought it for $100,000 and sell it for $300,000, you’ll just get to pocket all of that money.

This is really the trick that some “house flippers” use to make money. They’ll buy a house, live there for two years while they dump their own sweat equity into improving it, and then sell it at a nice profit and they don’t have to pay taxes on their gains. In fact, one of my very closest friends does this exact thing.

Many of the guides you’re reading likely don’t discuss taxes because they make the assumption that you won’t be paying any!

Q3: Pantry organization

How do you organize your pantry? Do you have individual shelves for each type of thing you put in there? Mine just winds up being a jumbled mess after a while.
– Andrew

I mostly just have a bunch of clear jars with labels on them for most of the staples we use regularly. We have something like four different kinds of flour on hand, a bunch of different kinds of beans, a couple different kinds of rice, different kinds of pasta, and so on. All of that goes into different jars. We also have a giant spice rack for all of our spices.

For a lot of that stuff, we buy the same thing over and over again, so we know exactly how it is used. We don’t need pasta cooking instructions if we always buy the same kind of pasta, for example.

The majority of our pantry is like this. We do have a shelf that’s basically “other stuff” that’s organized fairly haphazardly, and we also have another shelf that contains small kitchen appliances.

At some point in the future, I really need to do a full post on this.

Q4: Dealing with frugal social isolation

At the start of the year I found your site and decided to make some changes in my life so I started cutting way back on my spending and I cut some of my bills and sold some stuff. So now I spend a lot of evenings at home alone and I am kind of bored. I feel like I don’t have any friends and don’t do anything social and I really want to go out but I also realize how expensive that can be. Trying to solve the social problem. Help.
– Jane

The problem with this type of question is that people usually have this predisposition regarding what exactly constitutes “social stuff.” If you narrow your definition of “social stuff” down to things that require you to spend money, like going to coffee shops or going to bars or going to clubs, then, yeah, going out is going to be expensive.

The solution is to try other stuff. Go out, but find things to do that don’t involve a cover charge or a required purchase. A good place to start is meetup.com, which is an organizing point for all kinds of groups and activities in your community. Another good place to start is at the library, which usually has a bunch of free activities and groups, and you might also want to check your town’s parks and recreation department.

Just try lots of things. One thing you’ll figure out pretty quickly is that one of the biggest factors in whether something is fun or not is the people you’re doing it with. Fun people can make watching the grass grow into a fun time, whereas boring people can make the most exciting thing on Earth a bore.

Going out and doing social stuff doesn’t have to cost money.

Q5: Free software for memorization

I am atrociously bad with matching names and faces in my head and in my career that is a bad thing and getting progressively worse. In the past I have used printed off pictures from my smartphone as “flash cards” but I am looking for a free solution that can do this. Ideally one that works on both my phone and my computer.
– Craig

When Craig sent me this message, my first response was one single word – Anki – and a URL – http://ankisrs.net.

Anki is pretty much exactly what Craig describes and it’s free. It lets you create flash cards that you can use online or on your smartphone for almost anything. For example, you can create flash cards that depict a person’s face on one side and the name on the other side and then run through that set of flash cards on your computer whenever you’d like.

I used to make flash cards all the time for some of my classes for things like amino acid structures and so on. Man, this software would have been so useful back then…

Q6: Bulk buy it for life

I hope you can provide some insight into a decision I made a few weeks ago and whether it was the right move. My wife certainly things that it wasn’t.

About three weeks ago I stopped at an outlet center to buy a few new pairs of jeans. I noticed that the kitchen supply store there was going out of business and having a big sale and it was late in the sale. Everything was 60% to 90% off. They had things like Le Creuset enameled cast iron pots for $30 or $40 and Global kitchen knives for like $20.

I spent about $300 and replaced virtually everything in our kitchen. We had a lot of beat-up Goodwill knives and pots and pans and stuff and I just got rid of all of it. When I got home I boxed up all of that old stuff and gave it to Goodwill and replaced it with new stuff that will basically never wear out.

My wife was really angry that I spent $300 to replace stuff we already had. She told me that it made sense to replace it a piece at a time but that we couldn’t afford $300. I did put it on the credit card.

My thought was that I basically would never find a chance to get durable kitchen stuff ever again so this was the time to take advantage of it. We’ll never have to replace this stuff for decades while it seems like the teflon was wearing off of pans and things were getting beat up and replaced every year.

Did I make the right call or was she right here? I can see her point, I suppose, but I think the purchase made sense.
– Damon

This is one of those situations where you both had a point. On the one hand, you’re correct in that you probably found a great buy on stuff for your kitchen and now you’re set basically for life. On the other hand, you did drop $300 that was unplanned and you picked all of it out yourself.

If I were in your shoes, I might have just bought a few things at first, brought them home, replaced a few things in the kitchen, then told your wife about the sale. If you just spent, say, $70 on, say, a new enameled cast iron pot and two amazing knives, and then took some pictures of the other sale prices, you may have gotten buy-in from your wife to go back the next day and buy more, perhaps even with her in tow.

In other words, rather than a frugality issue, I think this is more of a “marital communication” issue.

If I were to find a sale like this now, what I’d probably do is start texting pictures to Sarah almost immediately and discuss some purchases that way. We likely would have agreed on buying several things there and I would come home with several purchases that we were both happy with.

Q7: Keeping an old car

I have been driving a 1989 Honda Civic since high school. It is at the 340,000 mile mark and still works like a champ. I’ve had lots of work done to it over the years though and had some body work done so the exterior looks decent (at least for an ’89 Civic!)

My one worry is that the car looks a little dumpy. Does that kind of thing hurt when it comes to job interviews or things like that? I sometimes worry that driving up in an old car will give a bad impression.
– Denae

Honestly, I wouldn’t worry about it.

For starters, most employers won’t even notice your car when you come in for an interview. You’ll likely park, go into a building, and meet your interviewers there, so the car will be a non-issue.

If an interviewer did see your car, it’s likely that they wouldn’t think anything of it. Most people assume that others are noticing details about them that people just don’t notice – it’s a psychological phenomenon known as the “spotlight effect.”

Even if the interviewer did see your car and did care, there’s a good chance that the effect would be positive. Take me, for example; I tend to respect someone who is getting every ounce of value out of a car, which is what you’re doing.

You should never switch cars just to appease that remaining tiny fraction of people who might interview you. It’s not worth it. If a company cares about the car you drive and makes it into a hiring issue, you probably don’t want to work there anyway.

Q8: “The One Thing”

Any thoughts on “The One Thing“? It’s a book by Gary Keller that says you should always choose from among the things you should be doing and you should choose the thing that will bring you the most success. Seems like a good idea but how can it work?
– Andre

I enjoyed the book and, for now, it still remains on my bookshelf over my desk where I keep personal finance and productivity books.

In a way, it’s something that I was already doing. Each evening, I prepare a to-do list for the next day and I usually pick out three things I want to achieve in the coming day. I try really hard to pick those things out based on importance, not urgency. This is essentially the core idea of the book, that you should pick out the most genuinely important things and, in particular, the things that will make other things easier and take care of them first.

There are a lot of good productivity strategies in the book besides that core idea, though. The only thing I don’t like is all of the added underlines and circles that were added at the printer – it seems unnecessary.

Q9: Peer pressure at work

Right now I work in an office with a bunch of people in their twenties. They are mostly single and they’re constantly buying things and going out almost every night. I’m 31 and one of the oldest people in this office group and while I still go out sometimes I mostly enjoy evenings at home with my wife and daughters.

I feel like I need to go out sometimes and do some of the stuff they’re doing in order to build camaraderie at work. It feels like a kind of pressure I suppose. But I would rather be doing other things. I enjoy it when I go out and I do have fun when I buy something new or go golfing with them but it feels like maybe I’m not getting as much out of it as I am spending.

Do you have any advice on how to find a balance here? I know that it’s something you went through in some ways before.
– David

Spend some time thinking about how much you really need to go out to build camaraderie at work. If you didn’t go out at all, would there still be camaraderie? What if you went out once a month? Twice?

The best way to really figure this out is to cut back to a lower level, then carefully watch the interactions at work. Do you still feel like a strong part of the team? Has there been any decline in the camaraderie in the workplace?

Here’s the thing: most of the time, this will make no difference to your coworkers. You don’t want to be completely absent, of course, but people often overestimate their social requirements in the workplace.

Cut back a little and see how it goes.

Q10: Inherited gold coins

I recently inherited a number of gold coins. They are in plastic holders and are dated from various years in the 1920s and 1930s. They all depict a woman on the front with a sunburst behind her and an eagle on the back with a sunburst beneath the eagle.

My understanding is that these are all one ounce coins and they should be worth a little more than the value of an ounce of gold. I am interested in selling them but I don’t know where to go to not get ripped off on the sale.
– Thomas

If I were in your shoes, I’d choose a few coins and have various coin shops in your area appraise them. Generally, coin shops make their money by being brokers for coins like this – they’ll pay you a little less than their current value and sell for a little more. There is a surprisingly active market for these coins, so that difference in price often isn’t as much as you’d think.

You might also want to look at eBay, but I would be very, very careful about jumping in to selling coins worth more than $1,000 on eBay unless you have a lot of eBay experience. There are a lot of scams out there and if you’re not careful, you can wind up with no coin and no money.

Your best bet is probably with a larger local coin shop that gives you the best offer for the coins.

Q11: Collecting on friend’s debt

About two years ago, I loaned a friend $2,500 in an emergency so that they could get a fairly reliable car on the road so that he could keep his job. I didn’t mind doing it because I could afford it.

For a while, my friend talked about repaying me but hasn’t mentioned the debt at all over the last year. I want to be repaid but I don’t know how to go about this without causing a big argument.
– James

Right now, you have to decide whether it’s more important to maintain the friendship or more important to get your $2,500 back. It is highly unlikely that you’ll be able to have both of them, as sad as that might sound.

It is likely that your friend will react negatively toward your suggestion of paying back the money, probably in a way that will damage what remains of your friendship. Of course, it’s important to remember that your friendship is already damaged, or you wouldn’t be asking this question at all.

Unless you have some form of written agreement, you’re relying solely on your trust in your friend to get your money back, so there’s a reasonable chance that you’ll never see a dime of it, no matter what.

Basically, by not asking, you have a much better chance of maintaining the friendship. By asking, you have a much better chance of getting the money back. Which is more important to you?

Q12: Why doesn’t America save?

Why do you think Americans don’t save much for the future?
– Timothy

This is a question that I’ve spent a lot of time thinking about, and the conclusion I’ve come to is a tough one. I think that a big part of the reason that Americans don’t save money and preserve their wealth is that the modern world is unfulfilling in many deep ways, and that we buy things to get a fairly temporary sense of fulfillment.

I think the film American Beauty expresses this very well. I think that for many people, the idealism of their youth is crushed by the reality of the adult world. By the time they begin to really ask themselves if that’s all there is in life, they are somewhat locked into a cycle of debt and they don’t really see a good way out.

What keeps them there? Modern comforts. The nice house, the comfortable chair, the nice car, the cool gadget – those all seem quite attainable. On the other hand, stepping away from all of that by being financially independent seems difficult, especially since you’ll probably have to ditch some of those attainable comforts.

So, people surround themselves with lots of attainable comforts, but still feel unhappy inside. You can cover a wound with the most amazing bandage in the world, but it’s still going to hurt.

So why are people not saving? They don’t see saving as a way to improve their situation. Instead, they see those attainable comforts as a much better solution. Why save when you can buy a comfortable chair or a nice car?

That’s my take, anyway.

Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. I’ll attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours.

The post Questions About Student Loans, Social Isolation, Free Software, Old Cars and More! appeared first on The Simple Dollar.



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Survey: 80 Percent Of Mobile Marketers Using Location, Mostly As Audience Proxy

Location-based advertising is being used by a majority of mobile marketers today. That’s a key finding from a new survey of marketers from mobile ad platform xAd. However uncertainty about ROI and campaign performance are holding back more aggressive adoption. The company surveyed 574
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Please visit Marketing Land for the full article.


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10 Things You Should Know About Medicare

Here’s how to maximize the value of this health insurance program for retirees.

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3 Retirement Problems and Solutions That Millennials Face Today

Start saving now, and put off that around-the-world vacation until you can really afford it.

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How to Quit Your Job Like a Class Act

Follow these eight steps to avoid burning bridges or damaging your professional reputation.

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Are Your Interns Driving Everyone Crazy?

Three common complaints about interns and how their managers can handle them.

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15 Ways to Invest Small Amounts of Money (and turn it into a large amount of money)

In 16 Ways to Invest $100 I gave suggestions on how to invest when you have just a few dollars.

In this article I want to take it up a notch, which is to say how can you invest when you have more than a few dollars, but not the thousands that traditional investment vehicles usually require?

Before I started investing, I was under the same misunderstanding that you had to have thousands of dollars to get started.

I was surprised, shocked really, that I could start investing in the stock market via mutual funds with only $50 per month.

And that’s exactly what I did.  Even though I later found out that the mutual funds were okay at best, the fact that I started investing in myself was huge for me.

And for many, it’s that first step that prevents them from amassing wealth later on.


Investing in yourself doesn’t require thousands, it just takes getting started.
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For our purposes here we are going to define small amounts of money as something more than $100, but not more than $1,000. Based on that parameter, here are 15 ways to invest small amounts of money.

how to invest small amounts of money

1. Paying Off Debt

There are two reasons for leading off with this suggestion. The first is that you shouldn’t be investing small amounts of money if you have debt, especially unsecured debt.

The second is that paying off debt is one of the very best ways to lock in an above average and guaranteed rate of return on your money. This is especially true if the interest charge on a credit card balance is in double digits – there are no places available to the average investor to get double digit returns that are guaranteed.

Let’s say that you have a credit card with a balance of $1,000 with an interest rate of 15.99% per year. By paying that card off, you’ll lock in a nearly 16% rate of return on your money, virtually forever!

2. Your Employer Sponsored Retirement Plan

This is probably the easiest way to invest small amounts of money, or even if you don’t have any money at all. That’s because it’s generally set up as a payroll deduction, so that you can allocate a percentage of your paycheck to go to the retirement plan.

You can designate just about any amount of your paycheck that you choose – as low as 1% to 20% or more, depending on the rules established by the employer plan. In this way, you don’t even need to have a large nest egg to invest. You can just add small amounts to your account with each paycheck, and then begin investing in any types of investments that your available capital (and the employer plan) will permit.

Best of all are the tax benefits! Not only are your contributions tax-deductible, but the income earned on your investments will not be subject to income tax until you retire begin withdrawing money. In addition, if your employer offers a matching contribution, it will be like getting found money.

No matter how much money you have to invest, investing in your employer-sponsored retirement plan should be one of the first steps you take.

3. Your Own Retirement Plan

If you don’t have employer-sponsored retirement plan, you can almost always set up your own retirement plan. All you need to qualify is earned income. The two best plans for most people are either a traditional IRA or a Roth IRA. Much like an employer-sponsored retirement plan, any returns on investment that you earn are tax-deferred until you begin withdrawing the funds in retirement.

Also, contributions to a traditional IRA are generally fully tax-deductible. Roth IRA contributions are not tax-deductible, however withdrawals will be free from taxes as long as you are at least 59 ½ at the time the withdrawals are made, and you have participated in the plan for at least five years.

And though there is no employer matching contribution (since there is no employer), a self-directed traditional or Roth IRA can be held in a brokerage account that offers nearly unlimited investment alternatives.

You can contribute up to $5,500 per year to either a traditional or Roth IRA ($6,500 if you are age 50 or older), which means you can build up a substantial portfolio in just a few years.  Also with the best Roth IRA providers there is very low entry cost.

4. Betterment

Betterment end of year results

There are a number of “robo advisors“, online investment platforms that offer professional management of your portfolio with very low fees. One of the best for small investors is Betterment. You start by completing an online questionnaire that enables the site to determine what your risk tolerance is.

Based on that evaluation, a portfolio is created for you with an allocation that includes several different exchange traded funds (ETF). Because of this allocation, your only responsibility is to fund your account – there is no need to concern yourself with investment selection, or with rebalancing your investments.

Betterment actually hasn’t no minimum initial account deposit requirement. You can open up an account by committing to monthly contributions of as little as $100. The annual management fee to maintain your account is 0.35% of your account balance, on accounts of less than $10,000. The management fee works on a sliding scale, and drops as your account balance grows.

5. Lending Club

investing 10000 into Lending Club

Lending Club is an online peer-to-peer (P2P) lending platform in which borrowers come to get loans, while investors – a.k.a., lenders – provide the cash for those loans. In exchange, investors are rewarded handsomely for their investment. Rates of return in double digits are hardly unknown with Lending Club.

You can invest as little as $25 in a single loan (or note), which means that with $1,000 total investment, you can spread your portfolio among 40 different notes.

The limitation with Lending Club is that many states have minimum net worth requirements in order for you to invest on the platform. So while the actual amount that you can invest is small, you might still need to show a significant asset base in order to participate.  If you are interested in more details on investing with Lending Club check out my Lending Club review.

6. Prosper

prosper loan reviews browse notes

Prosper works much the same as Lending Club. You can invest as little as $25, so you can spread a few hundred dollars across many different loans. There is also a state-by-state minimum net worth requirement here as well.

Prosper reports that the average annual return on a note approaches 16%, which is an incredible return on a fixed rate investment.

In the case of both Prosper and Lending Club there is risk of loss to your principal in the event that one or more loans you’re holding goes into default. There is no FDIC insurance protecting your investment the way it would with bank investments.  I also did Prosper reviews for both borrowers and lenders.  You can get full details of the platform there.

7. US Treasury Securities

If you are looking for a more conservative investment, one where your principal is protected from market swings, you can invest in US Treasury Securities. These are debt obligations issued by the United States Treasury Department, to fund the national debt. Securities have maturities ranging from 30 days to 30 years (longer term maturities do involve a risk of principal if you sell before maturity).

You can invest in these securities through the US Treasury’s Department’s portal Treasury Direct. By using the portal, you’ll be able to buy US government securities in denominations as low as $100. You can sell your securities there as well, and there are no early withdrawal penalties for doing so.

You can also use Treasury Direct to buy Treasury Inflation Protected Securities (TIPS) too. These not only pay interest, but they also make periodic principal adjustments to account for inflation based on changes in the Consumer Price Index.

8. Bank Investments

To be sure, you won’t be able earn much money on your investments at the bank, at least not in the current investment environment. However, the advantage that banks offer is that you can invest very little money (in money market accounts or certificates of deposit), earn a little bit of interest on your money, and have virtually zero risk of principal loss.

It may be that the best purpose for bank investments is to use them as a place to accumulate a larger amount of capital for higher risk/higher reward type investments later on.

9. Motif

Motif is a different kind of investment platform, one in which you either build or invest in existing mini-mutual funds that are based on a certain investment criteria. These mini mutual funds are called motifs, which is where the platform gets its name from.

For example, you can invest in a motif that is built on solar energy in Hawaii, or trash recycling in Panama. There are literally hundreds of motifs available, and if you can’t find what you like, you can always create your own.

The minimum investment is $250, which is the minimum to invest in any single motif. Each motif can be invested in as many as 30 different securities, and there is a transaction fee of $9.95 to either create a new motif, or to invest in an existing one.

GYD Motif

Motif sponsored the Grow Your Dough Challenge 2.0 which where I and 20 other bloggers are dueling it out to see who can grow a $500 investment the most over a year’s time. Here’s a look at the leaderboard to see how we’re doing. (Hint: I’m not in the lead. Not even close!)

10. Investing in Your Own Skills

Are there any skills that you could acquire that could bring you up to the next level in your career? Think in terms of learning a new computer application, a foreign language, or taking a public speaking- or sales-course.

It’s possible that you could acquire certain career enhancing skills that would enable you to either get a promotion on your current job, or even transfer to a new, higher paying position with another employer. A few hundred dollars is often all it takes to take a course to learn that kind of skill.

11. Dividend Reinvestment Plans

Better known as DRIPS, these are plans that allow you to invest small amounts of money into stocks of companies that pay dividends. Many large companies offer DRIPS, so if you want to invest directly in stocks, and you like certain companies, you can invest in those companies – usually without having to pay any kind of investment fees.

DRIPS typically allow you to build your investment over time by making periodic contributions. Often, this can be done using payroll deductions. This can also be an excellent way to dollar cost average your way into large investments in major companies. And when you earn dividends, the money will automatically be reinvested to buy more company stock.

12. Low Minimum Investment Mutual Funds and ETFs

Different mutual funds and ETF’s have different initial investment minimums. Many do require that you have several thousand dollars to open an account, but there are some that allow you to start an account with far less.

For example, there are some funds available through Charles Schwab that require a minimum as low as $100. An example is the Schwab Total Stock Market Index (SWTSX). With a required minimum that is that low, you could spread $1,000 across 10 different funds.

You can check with any large mutual fund families, and even some investment brokerage firms, to see which funds are available with a minimum initial deposit of $1,000 or less. You may find index funds to be your best bet, since they represent the best play on the entire market.

13. Loyal3 For Individual Stocks

Loyal3 is a limited investment platform, but an excellent place to start for a small investor. To begin with, you can invest in stocks with as little as $10. Loyal3 even allows for the purchase of fractional shares. The platform offers you an opportunity to purchase stock in one of the 66 companies they currently have available on the site. But those companies represent virtual household names in stocks – Microsoft, Apple, Walmart, Time Warner, and many more. And you can both buy and sell those stocks with no commissions or other transaction fees.

The disadvantage is that it is not a diversified investment platform. You can only invest in the stocks that they have available on the site. There are no mutual funds or ETF’s, nor any bond offerings. However, the low minimum initial investment and the absence of fees, makes Loyal3 a perfect platform for a small investor to purchase stocks in major companies.

14. Online Brokerage Firms

It can come as surprise to many small investors that you can actually open up an account with an online brokerage firm with $1,000 or less.

For example, the minimum initial deposit to open an account with Charles Schwab is $1,000 but even that can be waived if you set up an automatic monthly transfer of $100 through direct deposit or Schwab MoneyLink or open a Schwab Bank High Yield Investor Checking account linked to your brokerage account.

In addition, you can open a brokerage account with E*trade with as little as $500. And TD Ameritrade has no minimum initial deposit to open a new account.

The advantage of investing through a brokerage firm is that will provide you with a wider variety of investment choices than you can generally get through direct investments alone.

15. Your Own Business

start a business

I’ve discussed investing in other businesses so far, but if you’re looking to invest small amounts of money, investing in your own business could prove to be the best choice of all. After all, who better to invest in than yourself?

For example, for a few hundred dollars you can buy a decent lawnmower, and start cutting lawns to generate income. You could also start a website, dedicated to selling a certain product line. Or you can start a blog and use it to create affiliate sales arrangements. If it’s something you might enjoy doing, you could go to garage sales, estate sales, flea markets and thrift stores, and by unusual goods and sell them at a profit on eBay or Craigslist.

With advances in technology, and the growth of the Internet, it’s easier than ever to start your own home based business on a shoestring. If you only have a few hundred dollars to invest, investing in starting your own business could be the most profitable venture of all.

So here you have 15 ways to invest small amounts of money, so there’s nothing stopping you from investing in something. Investing is one of those activities where the most important step is getting started, and here are the ways you can do it.



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Signing On for a Sports Credit Card: A Surprisingly Good Way to Root for the Home Team

You'll likely win great rewards with a sports team credit card.

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Cash Genie customers to be compensated

Cash Genie, txtmecash.co.uk and.paydayiseveryday.co.uk customers are to be compensated for being treated unfairly.

Cash Genie, txtmecash.co.uk and.paydayiseveryday.co.uk customers are to be compensated for being treated unfairly.

Ariste Holding Limited, the company behind Cash Genie and the two other websites, is to pay out more than £20 million to 92,000 customers after admitting its failings to the Financial Conduct Authority (FCA).

Cash Genie customers to be compensated
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Cash Genie, txtmecash.co.uk and.paydayiseveryday.co.uk customers are to be compensated for being treated unfairly. Ariste Holding Limited, the company behind Cash Genie and the two other websites, is to pay out more than £20 million to 92,000 customers after admitting its failings to the Financial Conduct Authority (FCA). The watchdog has been investigating the trading practices of the company since it voluntarily notified the FCA that it had engaged in unfair practices. As a result, Ariste agreed to provide £10 million in redress on top of the £10.3 million in fees and interest it has already written off. Cash Genie will now write off or refund fees and charges that shouldn't have been added to customer accounts and interest where it rolled over customers' loans inappropriately. Payments taken without authorisation will also be refunded and all outstanding balances on accounts affected will be written off. The company said it aims to contact all affected customers by 18 September 2015. Unfair charges The failures of the company, which go back as far as the launch of Cash Genie, in September 2009 include unfair charges. The FCA gave the example of it charging Cash Genie customers £50 to transfer to its sister debt collection firm, Twyford Developments Ltd, trading as Carter Forbes, even though it incurred no additional costs. The company also charged fees it was not entitled to under its customer contracts and rolled over, or refinanced, loans without customers' explicit request or consent. Meanwhile, customers of the txtmecash.co.uk and paydayiseveryday.co.uk brands has money taken from the bank accounts they had linked to their accounts to repay any existing Cash Genie loans without being asked for their prior consent. The FCA said: "In a significant number of these cases customers were encouraged to apply to these websites for loans and give their banking details under the false pretence that the loan had been pre-approved." In addition, Cash Genie failed to send annual statements to customers who had not repaid their loans after a year, meaning it subsequently should have stopped levying further fees or interest to accounts but failed to do so. Customers who think they may have been affected can find more information about compensation on the FCA and Cash Genie websites. Linda Woodall, Acting Director of Supervision – Retail and Authorisations at the FCA said: "Although standards in the consumer credit sector are improving, it is disappointing that examples of poor practice in the payday market keep surfacing."

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Do we really need a Lululemon beer?

ATTENTION yogis: it’s time to ditch the green tea. A nice cold tinnie is all you need to get your chakras pumping, according to the absurdly popular activewear brand Lululemon.

Source NEWS.com.au | Business http://ift.tt/1DIFyp1

الأحد، 26 يوليو 2015

Channel 10 unveils new leadership

CHANNEL 10 has made significant changes to its company leadership, with CEO and chairman Hamish McLennan out and his job split in two.

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