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воскресенье, 31 июля 2011 г.

Asks.Ru | Интернет-журнал 'Вопросы о финансах и законах' (3 сообщения)

 Asks.Ru | Интернет-журнал 'Вопросы о финансах и законах'     Asks.Ru | Интернет-журнал 'Вопросы о финансах и законах'

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  • Ипотека: Оформление ипотеки – пункт пятый. Как правильно совершить сделку?
    Все предоставленные вами документы были одобрены банком, а кредитный комитет решил выдать вам желанный ипотечный кредит? Теперь можно приступить к оформлению ипотечной сделки. Данная процедура проходит в той же кредитной организации, которая выдает заем. И только после оформления этой сделки вы получаете в свое пользование кредит на жилье.

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  • Юридические вопросы: Признание завещания недействительным
    На протяжении всей жизни человек что-то покупает, что-то продает. Процесс накопления длится всю жизнь. Но всегда приходит такой момент, когда надо решить – как своим имуществом распорядиться. Чтобы волю собственника выполнили, так как он хочет, необходимо составить завещание. И не просто составить, а сделать это юридически грамотно.

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  • Ипотека: Оформление ипотеки – пункт четвертый. Нужна страховка
    Обычная схема ипотечного кредитования подразумевает выдачу банком кредита и оформления приобретаемого имущества как залога. Но для того, чтобы свести вероятные риски к минимуму, банк обязательно «попросит» вас застраховать и данное имущество, и вашу платежеспособность в качестве заемщика. Несмотря на то, что в в законе "Об ипотеке" сказано, что страхование является добровольным, без оформления страховки скорее всего вам просто не дадут кредит.

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суббота, 30 июля 2011 г.

ProBlogger Blog Tips (2 сообщения)

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  • Understanding Blogging Arbitrage

    This guest post is by Kevin Muldoon of WordPress Mods.

    As I used to run a few poker discussion forums and information websites, a large part of my income over the last several years has come from poker referral commissions. Commissions have dropped every month over the last few years, which is not a big shock since I sold my last gambling related site about five years ago. What was a big shock was the recent poker ban in the USA, resulting in thousands of dollars being taken away from me every month.

    Strangely, this has not necessarily been a bad thing for me—quite the opposite. Having a constant stream of income every month for several years was great, though it did make me lazy in many respects. With these commissions gone from my monthly income, I have found myself really focused to get things done and get things done sooner.

    The first thing on my agenda was to reduce outgoing costs. Sadly that meant letting two regular writers of my blog go (for the time being) until I can reassess where income can be improved. I enjoy writing so I don't mind taking on extra writing responsibilities for my blog, though it did make me analyze my own duties more.

    What is your time worth?

    One of the biggest questions I had to ask myself when my income dropped was, “How much is my time worth?” If you make money from a number of different areas online (e.g. affiliate commissions, blogging, flipping websites and domains, etc.), this isn't an easy thing to answer, particularly if your schedule changes from day to day.

    If you are a blog owner and spend a lot of time writing articles for your own blog, there is a more suitable question to ask: “How much is my time worth as a blogger?” This is something I asked myself when thinking about the long-term posting strategy for my blog. Is some of my time better spent writing for other blogs and websites?

    Consider a blog owner who writes one 1,000 word article for his blog every single day but unfortunately has no money to spend on writers. If he were able to find a good writer it would be in his interests to hire him if he was able to secure a writing job for himself at a much higher rate.

    For example, if the blog owner got a blogging job that paid him $50 for every 1,000 word article, they would have the funds to hire a blogger at $25 per 1,000 word article. The blog owner would of course expect that the articles were of an equal or higher quality of his own. The outcome being another article being published on his blog plus $25 in profit from his own writing position.

    In economics this is known as Arbitrage. Arbitrage is the concept of taking advantage of the difference in price between two markets. If someone can exploit this, their profit will be the difference in prices. Those who have dabbled in PPC marketing will be aware of this concept, as it’s used by many affiliate marketers to make money through Adsense. (In short, they bid low for certain keywords on PPC services and hope to make a profit when the user clicks on an Adsense advertisement which pays out more.)

    Therefore, blogging arbitrage could be described as:

    The difference in price between the rate you personally charge as a blogger and the rate you can pay to other bloggers to take over your writing responsibilities.

    There are some things to bear in mind when applying this strategy:

    • You need to take a note of the time you are spending writing articles for others. Getting paid twice the rate you pay out is irrelevant if the articles are taking you three times as long to write.
    • A little time needs to be set aside when hiring writers for your blog, as it can be time consuming emailing them with advice and guidance, proof reading their posts, and then arranging payment.

    Taking advantage of blogging arbitrage

    I don't believe that any blogger should spend more time blogging for others than on their own site. It's important to have an input into your own blog and not let additional work slow your blog’s progress.

    There are benefits of using blogging arbitrage, though. Not only is it an extra way of making money, it also helps promote your own blog. Most blogs have an author bio at the bottom of each article where some information about the author and a link to their website can be found. Therefore, writing for other blogs will bring you some extra money and traffic back to your blog.

    The additional income is something that is vital for bloggers who are starting out and are looking for ways to increase their profits, so the benefits of using blogging arbitrage will decrease as your blog becomes more successful.

    Nevertheless, I think that it is an important principle to understand. Have you ever used blogging arbitrage? Does it sound like a tactic that could help you make your blog more profitable?

    Kevin Muldoon is a webmaster and blogger who lives in Central Scotland. His current project is WordPress Mods; a blog which focuses on WordPress Themes, Plugins, Tutorials, News and Modifications.

    Originally at: Blog Tips at ProBlogger
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    Understanding Blogging Arbitrage


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  • The 23 Blogger Breeds—Which Are You?

    This guest post was written by Stephen Guise of Deep Existence.

    A new blogger is born today! Aw, look at her beautiful blue Twitter and Facebook icon eyes and her cute little RSS nose. This baby blogger does not know the perils of comment moderation, stalkers, low traffic, and spam that await her. I wonder what type of blogger she’ll be.

    The blogosphere is populous and it keeps growing. With millions of bloggers out there, there are a certain number of very identifiable qualities that are seen. This blogger aims to cover as many of those qualities, or “breeds,” as possible.

    While there may be some purebreds out there, 99.832% of bloggers will be mutts, possessing a combination of these traits. Keep that in mind and don’t blame me for oversimplifying your primary breed! It is highly unlikely that you are a purebred.

    You can consider this a tribute to blogging, but it will be educational as well as I’m listing pros and cons for every breed. You will laugh. You will relate. You will (probably not) cry. Enjoy!

    1. The Machine

    Blogger machines know how to pump out content … like a machine. They post on a daily basis and sometimes multiple times per day. Microbloggers fall into this category as they write very short, frequent posts.

    Pros

    1. SEO— the more content you have, the more information Google has to work with.
    2. The readers of a machine blogger know that they can visit every day and still get fresh content—possibly boosting reader engagement and traffic.

    Cons

    1. Burnout—I can’t imagine having to post every day (let alone multiple times a day) without getting mentally exhausted. That could be because some of my posts take me 15 hours to write, but I know I’m not alone in this.
    2. Quality could suffer from the obligation to produce content every day and forcing the issue when inspiration is lacking.

    2. The Ninja

    Ninjas are stealth bloggers and the opposite of machines. While the machines are pumping out blog posts like ipads, the ninjas are sitting back for days or weeks without posting. When the time is right, the ninja strikes with a mind-boggling post and dashes away for another few days … or weeks.

    Pros

    1. Every post is special. Like the Summer Olympics and World Cup are special for being held every four years, new blog posts are a rare treat for fans of the blog.
    2. Quality can absolutely be assured if each post is being crafted over several sessions and multiple days.

    Cons

    1. The audience might forget you exist if you post once every fortnight.
    2. If a new post fails to impress, there is a high probability of unsubscribes or generally upset readers. The stakes are higher and the consequences are greater when you post less frequently.

    3. The Social Engineer

    Social engineers are on Twitter and Facebook more than their own blog. They are the masters of the social world. There is something about the way they conduct themselves online that draws people towards them. That something could be that they are connected everywhere with 50 different social accounts—Facebook, Twitter, Delicious, Google, Yahoo Buzz, Reddit, Stumbleupon, LinkedIn, etc.

    Pros

    Social Engineers are very popular. They know what social media platforms to use and how to use them best. Their reach is far and they are always up to date with the latest social gadgets (such as Google’s +1 button).

    Cons

    Oh, they have blogs too? Social media is notorious for sucking away valuable time for trivial socializing. Social engineers are particularly vulnerable to this as their popularity results in many social interactions.

    4. The Name-Dropper

    Chris Brogan said that…

    Darren Rowse did this…

    53 other bloggers in my niche are great because…

    Excessive name dropping is not my favorite for a few reasons, but some people thrive on it. Name-droppers mention other bloggers very frequently. If you become very entrenched in the industry and your blog topic is relevant to what other bloggers have said, you might find yourself dropping names everywhere.

    Pros

    From what I’ve seen, name droppers benefit tremendously from their efforts. They come across as unselfish “community bloggers.” The people that they mention will often be so flattered that they return the favor or at least leave a comment and share.

    Cons

    If people with my mindset visit your blog and just see you dropping names all over the place in most articles, we’re going to ask, “Okay, but what do you bring to the table?” Sometimes name-droppers will drop names because they know it gets a lot of attention. Skeptical bloggers like me wonder if excessive name droppers actually do it for selfish reasons (i.e. it helps their blog grow).

    5. The Soloist

    I see Steve Pavlina as a near purebred soloist. I frequent his blog and know that he does not write guest posts, accept guest posts, have a public email address, or allow comments on his blog. He has never spent any money on advertising. When you visit his blog, you’re getting Steve Pavlina and nothing else.

    Pros

    1. If you’re very good like Mr. Pavlina, then you can just focus on writing great content and word of mouth will eventually spread everywhere. Steve has said that his blog grew because people wanted to share his content. I have shared his content often.
    2. Not needing to worry about writing for others, moderating comments, editing guest posts, and responding to emails is a HUGE time and energy saver.

    Cons

    1. Most blogs will die if they are not connected, advertising and promoting themselves, writing guest posts, allowing comments, etc.
    2. Being out on an island has drawbacks too. You might be perceived as elitist or self-absorbed if you don’t engage with others.

    Note: When bloggers reach a certain level of fame, it is very common to develop soloist tendencies. Don’t take it personally, they just want more time to write posts and spend more time with their family. It takes a lot of time to thoughtfully respond to 100 comments, emails, and tweets per day!

    6. The Copy Blogger

    This one has nothing to do with copyblogger.com, a fantastic copywriting blog. Copy [space] bloggers are actually terrible. Some of them will rip content word-for-word from other blogs’ RSS feeds (some person is doing this to my blog). Others will paraphrase content they read on other blogs without attempting to create their own content.

    Pros

    It is possible to get better content than you’re capable of creating—for free and without doing any work.

    Cons

    Oh that’s right, it’s illegal. Darn.

    7. The Guest

    Guests are always seen writing for other blogs. You’ve seen it—you’ll read two articles on two different blogs only to see they were by the same author of yet another blog! Guests feel at home on other blogs that have more influence than their own. There is something warm and cozy about traffic spikes.

    I am one of them. ProBlogger seems to be my favorite host. At time of writing, I’ve written as many guest posts for ProBlogger as the others combined! I write for my own blog sometimes too.

    Pros

    Seasoned guest bloggers know the pros already—inbound links for SEO, increased traffic, credibility, valuable connections, and many more. Guest blogging is good.

    Cons

    Guest posting on a relatively dead blog is not fun. You’ll find yourself refreshing the page to see if there is any action—but nothing. You’ll look for incoming traffic on your own blog—but nothing.

    I once guest-posted on a blog that buried my post under three other articles in the same day (I won’t be posting there again).

    8. The Host

    Guests need hosts. The purebred hosts are those blogs who live off of guest posts. They have enough traffic and reputation to consistently attract high quality content.

    ProBlogger is the quintessential host of the blogosphere. Darren blogs here every once in a while, but if you’re a regular here, you know that the next post is probably going to be a guest post like this one. Guests like myself are very thankful for the opportunity to contribute!

    Pros

    Darren doesn’t have to write another article for ProBlogger ever again if he doesn’t want to. There is enough content coming in that he can simply post whenever he feels like it. Premium hosts can ride the wave of success into the sunset if they so choose.

    Cons

    It does take quite a bit of work to sort through guest posts, edit them, and manage the whole guest-posting process.

    9. The Commentator

    You see this blogger everywhere. They are not guest posters, they are the commentators. After every blog post you read, you scroll down to the comment section, and sure enough, there is the dude that commented on the last five blogs you visited.

    Pros

    I love commenting on blogs. It is enjoyable to engage with others who produce quality content. There are also some who believe that commenting is a viable traffic-generating strategy, but that has not been my experience.

    Cons

    1. Some comments are better than others. If you leave stereotypical “great post” comments everywhere you go, nobody will like you or visit your blog.
    2. If leaving comments is your main strategy for getting traffic, I doubt it is going to get you very far. Correct me if I’m wrong.

    10. The Evil Spammer (Sploggers)

    Spam. Did you just shudder when you read that? Recent surveys show that approximately 0% of bloggers enjoy spam (that includes the internet and canned versions). Spam isn’t always in the obvious form of broken English and a shady link—sometimes the commentators will covertly use your comment area as a platform to advertise their blog and products.

    Pros

    It can work to the tune of a whole lot of money for those who run automated programs. It can also work to get sploggers more traffic. (That link is from a 2005 ProBlogger article and is a fascinating read … a little dated, but still good).

    Cons

    Everyone will hate you because spam is the worst.

    11. The Comedian

    The comedian is always out to make us laugh. Some blogs have that as the only goal. Other blogs are about different topics, but have an author that can’t resist to squeeze in a one-liner or share a funny story.

    Pros

    Who doesn’t like to laugh? Seriously, I’d be interested to know the answer to that. The fact is that laughter is enjoyable and a successfully comedic blogger will be able to gain fans quickly because people love to share funny content.

    Cons

    If your humor fails to impress, it has the opposite effect of “gaining fans quickly.” There will be some people out there that don’t appreciate your particular style of humor. Humor doesn’t mix well with all niches (sewing?).

    12. The Statistician

    Statisticians see blogging as a numbers game. They are usually the ones who make the most money because they track what visitors or doing and why. Then they make changes based off of that information.

    You’ll hear them talk about “conversions” a lot—which is the number of desired actions divided by the number of visitors. Three advertisement clicks out of 100 visitors is a 3% conversion rate.

    Pros

    As I said, they tend to be able to make more money by making tweaks and experimenting with their sales pages. Split testing allows them to isolate variables and make definitive conclusions.

    Cons

    1. Statisticians could possibly make poor decisions by interpreting data incorrectly.
    2. Analyzing statistics is a time-consuming affair (but the results can make it worthwhile).

    13. The Authoritative Guru

    Gurus are the unquestioned leaders in their niche—Darren Rowse, Seth Godin, Brian Clark, Stephen Guise, Steve Pavlina, Chris Brogan, Leo Babauta, etc. They have legions of followers and their advice carries a lot of weight. It takes a lot of time, effort, and talent to be in this elite group.

    What? You’ve never heard of Stephen Guise? Don’t worry about it.

    Pros

    Yes, these guys are pros. They do well financially, are the most respected bloggers, and carry an enormous amount of influence in the blogosphere.

    Cons

    With great exposure comes greater amounts of spam, haters, and hackers to deal with.

    14. The Experts

    One step below the gurus are the experts. Experts may know their subject inside and out, but they lack the notoriety of the gurus. There are many experts in each niche. It typically takes great content over time to build up an expert reputation in your niche.

    Pros

    Lots of traffic from people wanting trust-worthy answers, a high degree of respect from peers (including other media outlets), and a very loyal following.

    Cons

    Increased pressure. When you are considered an expert, the pressure is on to live up to that. If you say something half-witted, you can expect a strong reaction by those who are waiting for you to mess up so they can announce it to the world.

    15. The Inspiration

    I think of Jon Morrow from Copyblogger as the face of this group. His story is so amazing and inspiring that it has a profound effect on everyone who hears it. He is also a fantastic writer.

    Blogging is full of inspiring people and stories. Stories of people quitting the 9-5 job they hated to blog full-time and make more money. Amazing success stories of very young bloggers making five figures a month and traveling the globe. Others like Tim Ferriss that seem to succeed in everything they do.

    This is such a broad category because inspiration comes in many different forms from different sources. Sometimes the people inspire us, other times the content inspires us. I’ve come to think that blogging is a communication medium packed full of inspiration—a wonderful thing.

    Pros

    Everyone loves to be inspired. Much good comes from it—changing lives, changing the world, and success.

    Cons

    A con about inspiring others? The only possible con would be if you inspired others to live incorrectly.

    16. The Grammatical Failure

    These bloggers aren’t the best with written language. I feel somewhat bad about including this, but it is what it is. Most readers won’t demand perfect grammar, but we all have our limits of what we will tolerate.

    Pros

    It is possible to write posts very quickly if no attention is given to grammar.

    Cons

    If the grammar is bad enough, I and many others won’t revisit a blog. Undoubtedly, many promising blogs have died from grammatical failure. I do, however, remember seeing a blog with disgusting grammar that had over 4,000 subscribers—so it isn’t always fatal.

    17. The Disruptor

    Disruptors create waves in the still waters of the blogosphere. They call people out. The write controversial posts more often than not. They challenge the status quo.

    Pros

    Disruptive posts have a greater chance of going viral (something all blogger dream about) than posts that fit neatly into a well-known category. I’ve noticed that disruptors are usually popular because they stand out so much from the crowd. Julien Smith at inoveryourhead is a popular disruptor.

    Cons

    When disruptors try too hard and aren’t very good at it, it is like watching a middle-aged white man try to dance. (When I’m a middle-aged white man, I will change this stereotype, but I still have 25 years to go.)

    18. The Marketing Maven

    Marketing mavens know what combination of words will psychologically induce you to buy a product. Scary, huh? These bloggers are often found in the making money online niche and simply know how to promote themselves and products.

    Pros

    If you are an expert marketer, you stand to make a great deal of money online. In most cases, excellent marketing of an average product exceeds the sales of average marketing of an excellent product. Darren gave a great example of the magic of marketing in this article.

    Cons

    If you’re constantly marketing (I’m talking to you, Twitter broadcasters) and selling, many people will grow weary of you and you could lose potential business. Once a customer thinks you see them as a sales opportunity, they will be hesitant to purchase from you. Then again, savvy marketers know how to avoid this perception.

    19. The Beloved

    Everyone loves _____!

    These bloggers have the personality and charm to somehow avoid the haters and gain (nearly) universal praise and adoration. My guess is that they use a potent airborne concoction of concentrated love powder that can be dispersed through the internet.

    It’s possible that they’re just too amazing to dislike. Still, I think this becomes very difficult as you gain influence and notoriety … unless you’re Barbara Walters.

    Pros

    We love them. All of us.

    Cons

    What’s not to love about being loved?

    20. The SEO Fanatic

    You think you’re reading a post written for you, but sorry, these bloggers are having an affair with Google. Oh the passion … Er, I mean they just want to rank well for particular keywords.

    Pros

    Search engine optimization done right can result in massive traffic numbers and increased sales.

    Cons

    1. SEO fanatics might be tempted to try some “black hat” SEO tactics that Google doesn’t appreciate and get banned or demoted.
    2. Stuffing an article with keywords has a chance of sounding contrived, unoriginal, and repetitive.

    21. The Passion Purist

    Passion purists refuse to write about anything they wouldn’t lose a kidney for. They aren’t into making money by working the system and using SEO on an untapped niche of little interest. They blog because they have passion for the subject matter. Some make money and some do not.

    Pros

    Passion is contagious, and humans are attracted to it. If readers sense that a blogger is very passionate about a subject and they share interest in that subject, there is a good chance they will stick around.

    Cons

    1. Missed opportunities to gain traffic, money, and sales from writing about something that isn’t inspired.
    2. Only posting when passion is present could mean an erratic and/or infrequent posting schedule – the effect of which is negative (debatable).

    22. The Money Purist

    These bloggers will blog about anything to make money. Blogging is a job and a business to them and pa$$ions exist to be monetized.

    Pros

    1. Money purists are very intentional about making money and therefore will plan from the start how they plan to accomplish that.
    2. They are very likely to make more money than most bloggers as that is their primary focus.

    Cons

    1. Possible burnout as a result of not caring what they write about.
    2. Potentially less enjoyment (offset by extra money?)

    23. The Conglomerate

    These are massive blogs that have an entire team behind the operation and multiple writers. Engadget is a popular tech blog that falls under this category.

    Pros

    1. They get traffic numbers that make me nervous.
    2. They can make an enormous amount of money.

    Cons

    Conglomerate blogs don’t have the personal touch that individual bloggers have. You don’t go to Engadget to engage with their writers—you go there to read about the iPhone 5.

    Honorable mentions

    The blogosphere is bigger than this article of 3000+ words, and I simply couldn’t cover everything. So here are some honorable mentions (you can guess what they might mean).

    The Moral Compass/Preacher, The Emotion Generator, The Mommy Blogger, The Novelist, The Fake, The Mystery, The Lurker…

    Which breeds did I miss?

    Stephen Guise spent a long time writing this. He blogs at Deep Existence, where deep thinking is deemed appropriate. If you subscribe, you’ll get a free ebook on how to remove stress permanently. Deal?

    Originally at: Blog Tips at ProBlogger
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Asks.Ru | Интернет-журнал 'Вопросы о финансах и законах' (2 сообщения)

 Asks.Ru | Интернет-журнал 'Вопросы о финансах и законах'     Asks.Ru | Интернет-журнал 'Вопросы о финансах и законах'

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  • Ипотека: Оформление ипотеки – пункт третий. Как выбрать квартиру?
    Так как основным назначением ипотечного кредита является приобретение жилья, ни одна кредитная организация не предоставит необходимую вам сумму, не убедившись в том, что квартира, которую вы выбрали, существует на самом деле. Или хотя бы строится. Хотя нельзя не отметить, что банки весьма неохотно выдают кредиты на недостроенное жилье, да и процентные ставки по таким займам куда выше.

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  • Начинаю бизнес: Покупка франшизы – преимущества и недостатки
    Каждый человек индивидуален. Один являет миру гениальные идеи для создания бизнеса. Второй может с легкостью воплотить существующие идеи в материальные предметы. Третий умеет мастерски распоряжаться готовым бизнесом: распределять полученные ресурсы, использовать продукты производства, грамотно управлять предприятием. Если у вас нет отличных идей для открытия своего дела, и вы понятия не имеете, как воплотить уже появившиеся мысли - не беда. Мир бизнеса подойдет и для вас – достаточно купить готовый бизнес и проявить свой талант управленца.

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