Boost Conversions Step 3: Revamp Your Communications ...

This guest post is by Tommy Walker of?Tommy.ismy.name.

?How do I get more people to interact with my stuff??

It?s a question I ask myself constantly. I could go on all day about traffic strategies, guest posting, or any number of online marketing topics. But the truth is, at the end of the day, shares, subscribes, and leads, are just another conversion.

I wish I realized that when I designed my existing website. I wish I realized a lot of things when I designed my website.

See, when I first started my site, I hadn?t thought about things like list building, or selling things (I had nothing to sell) or even the type of content I was going to publish. I thought I?d figure that stuff out as I went along, but, as my style changed, every new thing started to feel like it was tacked on.

Sadly, my site has become this clumsy Frankenstein creature that haphazardly attempts to do my bidding, but never quite executes. That?s no discredit to my developer, who did an excellent job at the time. It was my own misguided direction that turned what could have been a beautiful creation into something hideous.

Learn from your mistakes

If you?ve been following this series over the last couple of days, you?ll know that we?ve talked a lot about learning from your mistakes?as they affect your free or paid offer, and your conversion funnel.

I worked through these processes myself, so that as I go to work on version 3.0 of my website, I know exactly what I want my conversion goals to be. And they?ll be reflected in every facet of the new design.

The new design isn?t yet operational, but if you?ll allow me to let you peek under the sheet, I?ll show you:

• my conversion goals
• how I plan to attack them
• screenshots of the current design and what isn?t working.
• screens of the new design and why I think it?s an improvement
• what I plan to test.

Expect this post to be on the longer side, as it is meant to be a conversion-oriented website playbook. For your convenience, here?s a table of contents:

As we go through each section, I?ll also point out things to look out for on your own site, and ways that you might be able to fix them.

A quick note before we continue: Conversion optimization is about constant testing. Everything from copy, to layouts and button placement, and color schemes.

While I might give you some suggestions along the way, there is no one ?surefire? way. Often times what works best?is the thing we least expect and if sell yourself short on your testing, you may never know what actually works best for you.

The Web Marketing Ninja will be showing us the complete process of setting up and running A/B (or split) tests tomorrow, so if you want some expert advice on that topic, stay tuned.

Become really friendly with your analytics

Now, before I get to the design, I want to dive deep into my analytics.

As we?ve seen over the last couple of days, patterns in the data give a great starting point for the areas of your conversion funnel that can be improved, and even provide hints for how to improve them.

For instance:

• Posts designed to drive conversation and high ?time on site,? but which have few shares or interactions, may be lacking a clear sharing mechanism; alternatively, the comment call to action may be lacking.
• Sidebar offers that receive traffic, but don?t convert, may need to be redesigned or scrapped entirely.
• Landing pages with high time but few conversions require further testing to improve conversions.
• Common click paths users take can determine pages that could be optimized for subscriptions or sales.

Your analytics tell the story of you and your users. When you fix your part, they?ll be able to give you more of what you want.

Define your conversion goals early

I imagine we?re a lot alike, you and I, in our goals. Mine are:

• get more social shares
• build a bigger subscriber base
• attract more qualified leads that can be turned to sales.

What I didn?t realize on the first two iterations of my website was that each goal can be attacked very strategically within the design.

So instead of trying to get every page to do every thing, as I create version 3.0 of my website, I will be looking at each aspect with a different conversion goal in mind.

Goal #1: Get more social shares

The first goal, get more social shares, is pretty straightforward.

According to my analytics, my weekly blog articles get the most steady traffic and the highest time on site (four to seven minutes; I primarily video blog).

Knowing that, I want that traffic to turn into more traffic, because right now, the social sharing on the site is low.

With the time on site being so high, my best guess is the posts aren?t getting shared because the sharing functions are a little less than obvious.

The trick to getting more social shares is two-layered.

1. Create engaging content.
2. Make sharing as painless as possible.

According to my video analytics, just over 70% of people watch my videos through to the very end. Looking at the current design however, it?s incredibly clear that sharing is not painless.

To address this in the new design, on an individual post page, the video will be featured at the top, filling most of the screen, and the sharing icons will be featured on the bottom left, just before the fold.

Next to the share icons will be a short link that can be copied to the clipboard with a single click.

Next to that, I?ll show a Share Via Email button that, when clicked, will drop down an email form where users can email the page link without ever leaving the site.

Key takeaway:

To improve shares on individual blog posts, create excellent content, and make sharing the primary call to action.

If the sidebars on your individual pages aren?t selling products, or bringing in email subscribers, get rid of those calls to action.

Something you can do right now is install the ShareThis hovering share bar and have it appear on all of your sharable content pages.

What I?ll be testing:

In order to get maximum shares, I?ll need make sure the sharing icons are in the most optimal positions on the page.

My tests will include:

• the share icons being located on the left of the page (as pictured)
• share icons on the right of the page
• the ?share bar? taking up the full width of the page below the video.

To do this, I?ll have my developer run a test using Google Website Optimizer, and track the results. (As I mentioned, the Ninja will show you how to do this yourself tomorrow). The layout with the most shares will win.

Goal #2: Increase email subscriber base

There are a few ways I plan to build my email list. Pay close attention here, because each and every one of these ideas is something you can do, too.

Email subscriber plan 1

The first tactic is persistent navigation throughout the site. This feature allows the top navigation bar on your site to remain in view as the user scrolls down the page. With persistent navigation, the fundamental action points are always in view, and available to users.

Persistent navigation seems to be where forward thinking websites are headed (Facebook, Google+, Lifehacker, WordPress). Using persistent navigation through my site allows me to create a subtle call to action that stays with the user.

On the above image, you may have noticed the word ?subscribe? in the navigation bar.

I believe this will eliminate the need to create a big, obtrusive opt-in form to occupy the sidebar (but this will need to be tested, of course).

When the user hovers over the ?subscribe? button, a dropdown with an opt-in form will appear:

In my opinion, this makes the website a little more ?fun? to interact with, which leads me to believe this will increase actual engagement with the site, and, thereby, email subscriptions.

Key takeaway:
The web is evolving much faster than most people realize. Incorporating elements like persistent navigation and interactive elements gives your website more depth than text and images alone. The more you give your users to ?play? with, the more likely they will want to hang around on your blog, and hear more from you.

If you?re code junkie, this tutorial?will teach you how to create your own persistent navigation menu.

Or, if you?re afraid of code (like me), you could always install the Hello Bar.?While it?s not as full-featured as custom navigation, it has been proven to increase clickthrough rates for many of its users, and can be very effective when you use the right messaging.

What I?ll be testing:
I?ll test the messaging within the dropdown itself: ?New episodes every week + exclusive bonuses? with ?Submit? or ?Subscribe? as the call to action, vs. ?Learn online marketing and get exclusive bonuses? with ?Teach Me!? as the call to action.

Email subscriber plan 2

According to my analytics, my homepage is usually the second stop people make when visiting my site ? makes sense.

Sadly, also according to my analytics, this is where my traffic goes to die. My homepage isn?t really optimized for anything.

Realistically, my conversion goals for this new homepage have to be two-fold:

1. Capture users? email addresses.
2. Pull people deeper into the content.

To capture email addresses, I?ll be using a slightly modified approach to the ever popular Halpern Header?on my homepage.

Instead of using a static image, however, there will be a welcome video that?ll introduce visitors to the site and talk about the exclusive bonuses that come from being an Inside The Mind subscriber.

I believe that combining the Halpern Header with video will make the email subscription call to action both unmissable and fun to interact with.

As long as I?m able to clearly communicate the benefits of being a subscriber, I think this will lift subscription conversions dramatically.

Key takeaway:

The homepage is often the second most visited page on your website. If you?re not maximizing your email efforts here, first time visitors may never return. This is why it?s important to clearly communicate the benefits of your site, and make your opt-in form highly visible, not banished to your sidebar.

The Halpern Header/feature box method has been proven as an effective way to increase email subscriptions, for some by as much as as?51.7%.

Adding a personal touch like video or an image of yourself can build trust with your potential subscriber, increasing your conversion rates even more.

What I?ll be testing:

While I have a hunch that a welcome video will work well, it?s also possible people might find it more distracting than welcoming.

For that reason I?ll be testing a welcome video vs a welcoming image. I?ll also be testing layout with the video/image orientation on the left vs. the right, the copy, and the call to action.

Homepage Subgoal: Bring visitors further down the rabbit hole

Sadly, after visiting my homepage, most people?drop off the site.

To address this, I will feature a scroller of randomized content from season one of my video stream directly underneath the feature box.

The reason for randomization is that it?ll mean that deeper (or older) content can also get some play.

Copyblogger uses a similar approach with the ?popular articles? list on their sidebar. Using randomization, a fun slider, and engaging?thumbnails for the posts just takes that idea a step further.

Note: The bar will never show posts that are also displayed in the main feed below. Rather it will only show content from deeper pages. This way, I can avoid duplicate content issues?I won?t be trying to push the same article in a handful of different ways.

Below that, I?ll show a fairly standard format blog, with reverse chronological posts on one side, and an offer for my ebook on the other.

You may notice that everything seems to get a little bigger once we get into the main feed.?The reason for that is fairly simple. The top of the site will act like a built-in landing page, but once a visitor goes below the fold, the focus will be on content.

The sidebar will display only two items at any given time, and will also be a persistent part of the interface once a certain scroll threshold is reached.

At the top, I?ll include a lead generation piece/ethical bribe (more on this later). Underneath that, a randomly generated episode link will appear (again, only one that is not currently present on the page).

Key takeaway:

If your homepage isn?t working to drive people back into your content, switch things up using your analytics as a guide. Just be sure to talk about it before hand so your faithful visitors don?t think something bad happened to you!

What I?ll be testing:

Not much here actually, but I will be measuring pretty heavily what content, in what position, gets the most clicks.

As far as I know, this is nothing remotely close to a ?standard? blog format, so it will be interesting to see how people respond to features like the scroller and persistent navigation.

Email subscriber plan 3

Taking another leaf out of Derek Halpern?s book, I will have email optins in three critical places:

• the About page
• the footer
• at the end of the single post pages.

Normally, I would recommend placing an opt-in on the top of the sidebar. However, because I am using persistant navigation with ?the Subscribe link in prime view at all times, I feel, for me, that this space is better used for lead generation.

The About page

I plan on doing something a little different by putting the link to my About (and other) pages in the footer. This is more like a news site, and less like other online marketing blogs.

Keeping that in mind, the people who come to the About page will need to do a little more digging to get there. So why don?t I try to capture an email address in the process, since we?re getting a little more personal?

This is what Derek says about the About page:

Prime people for your website?s content and why it?s important

1. Opt-in form
2. Show social proof
3. Opt-in form
4. Show personal backstory
5. Opt-in form

For backstory, I plan to share a bit of my background as an actor, how I was fired over a pair of pants, how that eventually lead to online marketing, and the ups and downs I?ve seen while working for myself (there have been many).

Key takeaway:

When you address your users? search intent first, then make a personal connection by sharing more about yourself, you give visitors more than one reason to subscribe.

What I?ll be testing:

The copy is what?s going to make the difference here.?While it might not be a part of my initial relaunch plan, I?d also like to test using a cinematic ?trailer? video that prompts visitors to ?Join the journey? by becoming an email subscriber.

The footer

There?s a very simple reason for revamping the footer to include a subscription CTA. If someone?s scrolling to the bottom of the page, you can assume one of two things:

1. They?ve read through all of your content and are primed to want more.
2. They just like scrolling.

Either way, the footer is a great place to capture email, because your reader has gone all the way to the bottom of the page (and there?s nothing left to do).

Currently, I have an opt-in form in my footer, and it converts pretty well.

What?s lacking in this footer, and on my current site as a whole, for that matter, is a page that is dedicated to explaining the benefits of becoming a subscriber.

That?s why, instead of including an opt-in form in the new site footer, I will instead include a link to a landing page called Why Subscribe?

This again comes down to a matter of search intent. Where most of my content is going to be front-and-center in nearly aspect of the design, I can only suspect that the people who scroll to the bottom of the page are more ?deep information? types.

I believe many blogs do not reward these types of people, and instead only go after those who are willing to hand over their information with little friction.?However, the ?deep information? types aren?t so trusting. They need to have all of the information before they give up any personal details.?That?s ok with me, because they also do a good amount of homework before making purchases, and I?ve found to be the most-action oriented customers.

So instead of giving them nothing to do when they scroll to the bottom, I will give them a landing page that talks about all of the benefits of subscribing to the show. This page will include information on how frequently emails are sent, the types of bonus content they can expect, and an outline of what will be included.?Doing this also gives me another page that can be linked to from internal content, which is a nice bonus!

Key takeaway:

Keep your users? intent in mind, and create content that appeals to as many different types of readers as possible. If you don?t currently have some form of a ?why subscribe? page on your site, you?re not addressing all?of your readers? concerns.

What I?ll be testing:

I?ll be interested to see the difference in conversion between the footer opt-in box and the Why Subscribe? link.

Giving users one extra click may decrease the overall conversions, however the link to the landing page is more in line with user intent on that particular section of the page.

Either way, I?ll have more data on footer and landing page subscribers, which will help me focus my follow-up messages even further.

End of single post pages
This is fairly straightforward.?If someone has decided to take the time to read through the content, they?re probably a good candidate to become a subscriber.?So I?ll create a subscription option at the end of every post.

Key takeaway:

We often clutter the end of our posts with all sorts of garbage, like related posts, share buttons, subscribe to my email list, read my bio, leave a comment, and more.?Every single one of these commands is a call to action, and the more calls to action you have, the more diluted each one becomes.?Find ways to incorporate all of these things?just don?t cram them all in at the end of your posts.

Using a WordPress plugin like Post Ender, you can keep your calls to action focused, and will likely see higher subscription rates from the ends of your posts.

What I?ll be testing:

Not much more than the language: ?Subscribe,? for example, vs. ?Keep Me Updated.? Because my content is primarily video, and it?s?showcased at the top of the page, this form is one of the least of my concerns.

Email subscriber plan 4

This is it! The Dreaded Popup.?I believe there?s a classy way to use popups, and an annoying way.?You?re probably pretty familiar with the annoying way.

My plan with the popup, however, is to have it triggered after the viewer has been on the site for a given amount of time, or clicks within a set number of pages.?That way, I?ll know they?re engaging with the site, and are more qualified than, say, a first time visitor.

Personally, I hate the pop-up, so if I?m finding that it?s not converting, even when I target mostly engaged users, I will not hesitate to yank it.

Key takeaway:

Popups can be extremely valuable, but are often seen as annoying.?The longer people are on your site, the more likely they are to qualify as potential subscribers.

Although your conversion rates may go down the longer you wait to trigger the popup, your subscriber quality will increase, because they?ve already spent more time with you?they?re qualified subscribers.

What I?ll be testing:

Here, I?ll test headline copy, the optin orientation, click and time triggers, and a number of other things I exaplained in detail in this article.

Goal #3: Get more high-quality leads

Subscribers do not equal leads.

I repeat: subscribers do not equal leads. While subscribers may eventually become leads, signing up to be on your email list does not mean they have an interest in buying anything.

In order to gather more leads through the site, I intend to offer a free ebook titled Why Quality Matters,?in which we?ll explore different statistics on the state of the internet, how high-quality content excels, what defines high-quality content, and so on/

The landing page to ?sell? the book will follow this formula.

The book itself will follow a similar format, but remain informative throughout.

As it is ultimately a lead generation piece, the goal is to simultaneously attract the right people, and repel everyone else.?Not everyone who reads the ebook will recognize themselves in it, but those who do will find a link to request a strategy session?at the end of the book.

In the strategy request form, I ask questions of the reader, like how long they?ve been in business, their previous yearly income, target yearly income, and if there are any major roadblocks that prevent them from moving to the next level.

This process is designed to help a person really decide whether or not they need help.?Having had my prospects step through a handful of filters also saves me a lot of trouble ?pitching? my services to them. By the time we get on the strategy call, I can really focus on helping them.?I do have an offer, but I?ll only make it if it seems like it?ll be a good fit.

Key takeaway:

Qualify your leads. So many bloggers and marketers assume that list subscribers = people who might be interested in buying something eventually.?But every time a pitch comes around, a good chunk of people either unsubscribe or ignore you all together, causing this endless cycle of list rebuilding.

When you let people qualify themselves, and say ?I need help,? they?re more likely to open your messages and take action on what you have to say.

What I?ll be testing:

I?ll test the landing page copy, without a doubt. Using Premise, I?ll be able to apply the Google Website Optimizer to test headline and copy variations.?Also, I?ll be testing pure copy vs. video, to find out which will be the most effective ?pitch? on the landing page.?Even though the investment for users is ?free?, I?ll still want to put my best foot forward, due to the subject matter and the eventual lead into the sale.

Note: This is not the only way I will be generating leads. Far from it actually.?I?ll also use several paid and organic strategies to better target those exposed to my content.

I mention this because popular content marketing wisdom does not advocate paid advertising, but the truth is, there is no faster or more precise way to target the right people for your content.

Test, get feedback, iterate

The designs and tests above were all conceived to address gaps in my data. I?cannot stress to you enough the importance of knowing what your analytics are telling you, and testing to make improvements.

One thing I?ve learned ?is that intuition doesn?t convert well.?Yet data only tells you so much. That?s?why I?ll offer an incentive to my list?to get real people to ?test drive? the site.?Their feedback will be vital in making the necessary tweaks before I push the site live and test it with a larger audience.?And even when it?s fully live, there will always be testing taking place.

The name of the game is to always be improving, and iterating on what you?ve learned from previous tests.?Only let your data and user feedback drive your design. Tomorrow?s post?the final one in this series?will show you how to set up, run, and adjust your own A/B tests. I?ll be checking it out?and I hope you will too.

I?m sure that by now, this series has probably encouraged you to look at your offer, conversion funnel, and offer communications more critically. You?ve probably come up with a few ideas you?d like to try. Share them with us in the comments below!

Tommy Walker?is an Online Marketing Strategist and host of ?Inside the Mind? a fresh and entertaining video show about?Online?Marketing Strategy.

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Doctor Shopping: States Cracking Down On Prescription Drug Abuse

CHICAGO, May 30 (Reuters) - When a new patient comes into Dr. Shawn Jones' office in Paducah, Kentucky complaining of pain and asks for a specific drug without talking about other symptoms, Jones gets suspicious.
"The first thing they say is they're in horrible pain and they need pain medicine," said Jones. "The other thing that gives it away is they want to tell you what works - they tell you they want Percocet. They don't talk about their symptoms - they don't say, 'Oh, two weeks ago I hurt my back.'"
These are the types of red flags that can send Kentucky doctors to check a state database to see if a patient is "doctor shopping" for addictive painkillers.
Prescription drug abuse kills more people a year in the United States than cocaine and heroin combined, according to the Centers for Disease Control. A CDC report last year said 15,000 people died as a result of overdoses of prescription painkillers in 2008 - more than three times the number in 1999.
Kentucky is a hot spot. Nearly 1,000 people in the state died from prescription drug overdoses in 2010, or about three a day, ranking it among the top states for such deaths.
In America as a whole, about 12 million people aged 12 and older reported non-medical use of prescription painkillers in 2010.
Abusers and dealers typically get drugs by finding doctors willing to prescribe them, forging prescriptions, theft from pharmacies or individuals, or buying from "pill mills" -- storefront clinics that sell painkillers for cash up front.

DATABASES
State databases such as one used in Kentucky are designed to address the first problem -- to alert prescribers that someone may be abusing drugs or diverting them for illegal sale.
Forty-three states now have databases to keep track of who is getting prescriptions for powerful pain relievers such as oxycodone, Vicodin and Opana.
Pharmacists enter prescriptions for controlled substances into the database, so prescribers can see if patients are getting pills at multiple locations.
Another five states have passed laws to create databases, but have not yet implemented them. Missouri and New Hampshire do not yet have such laws, though they have been introduced in the legislatures, according to Sherry Green, CEO of the National Alliance for Model State Drug Laws. There is no national database, though more states are sharing information.
For some doctors, running a "PMP" -- shorthand for a Prescription Monitoring Program report -- has become as normal a part of seeing new patients as measuring blood pressure.
But the programs have not been without controversy, with a major issue being whether doctors should be required to check the database when prescribing addictive medicine, or whether this should be left to their discretion, said Green.
Some doctors have expressed fears that PMPs could breach patient confidentiality and interfere with needed treatment of pain or could be used against doctors who need to prescribe a lot of pain medicine.
Doctors also object to proposals they see as putting law enforcement above health care. Citing privacy concerns, the Kentucky Medical Association fought successfully against a provision that would have moved the state's database to the Attorney General's office, the state's top legal officer.

MANDATORY CHECKS
In Kentucky, fewer than a third of prescribers have an account with the state's PMP program. However, a new state law, which will take effect on July 12, makes it mandatory to run a PMP for a new patient getting certain kinds of medicine. Nine other states have passed laws that require doctors to access the PMP database under certain circumstances.
"Before we can ever address the prescription-drug problem ... one of the things we have to do is to make sure we have full use of the tools we have," said Van Ingram, executive director of the Kentucky Office of Drug Control Policy.
Enforcement is up to state medical boards and state systems vary. But most allow doctors and pharmacists to access information from neighboring states - something that helps address the problem of abusers driving over state lines to find a willing doctor.
Improved technology, with a push by the National Association of the Boards of Pharmacy, is helping more states share data.
Doctors and pharmacists who suspect a patient is diverting can alert police. "If you recognize someone is a doctor shopper, you report it to the state police diversion agent," said Sarah Melton, a clinical pharmacist in Virginia. "I have him on speed dial."
Another issue for doctors is time, so states are trying to increase database speed so that doctors can get information while a patient is still in the office. About a dozen states allow doctors to delegate people to look up information.
Many states allow law enforcement to access the system - in limited circumstances, and a case must already be under investigation for officials to run a PMP report.
"You can't just pick someone out of the phone book and run them," said John Burke, president of the National Association of Drug Diversion Investigators and commander of the Drug Task Force in Ohio's Warren County.

BALANCE NEEDED
Doctors need to strike a balance between treating people who genuinely need pain medication, and making sure it doesn't go to people who don't, said Samuel Hughes Melton, the husband of Sarah Melton and the president of a Virginia health clinic.
He used a PMP report to discover that a long-time patient had picked up an opiate from another doctor, and had also obtained a prescription for benzodiazepine. The two can be deadly if combined.
"I was able to confront him in the exam room," Melton said. "I was able to use that information and nudge him into treatment for substance abuse."
There is some evidence that the databases are leading to the prescribing of fewer addictive medicines.
According to a study by the emergency department of the University of Toledo's College of Medicine, doctors or pharmacists who reviewed state prescription drug data changed how they managed cases 41 percent of the time.
The study found that 61 percent prescribed either no opioid medications, or less than originally planned, while 39 percent decided to provide more.
"I know a number of emergency-room physicians tell us how much they appreciate the system to discriminate between real patients with real injuries and those who just want drugs," said Danna Droz, the administrator of Ohio's PMP.
Jones, the president of the Kentucky Medical Association, said doctors and pharmacists needed more education on abuse and diversion, as abusers become more sophisticated at fooling professionals.
He said he once got a call from a pharmacist questioning a prescription for 90 Percocet pills - when the pharmacist knew Jones rarely prescribed more than 20 pills at a time.
The prescription was forged. Jones reported it to police and the phony patient was arrested. (Reporting By Mary Wisniewski; Editing by Greg McCune and David Brunnstrom)

Also on HuffPost:

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Legal Rules for Residential Tenant Credit Screening | Business ...

Cautious landlords generally screen residential tenants using credit reports or credit scores.? Although these screenings are entirely legal, they must comply with California and federal fair housing and fair credit reporting laws. Because penalties for violating these laws, even unwittingly, are large, it?s worth tailoring your tenant screening process to make sure it fully complies with all laws at every step, and keeping good records to show that you have consistently followed this process without exception.

Obtaining Credit Report or Credit Score

a. Application and screening fee charges

In California, a landlord can charge the prospective tenant a fee for the rental application and screening process. However, there are several restrictions:

• The fee must be the lesser of the landlord?s actual costs or $42.06 as of 2009, adjusted upwards by the landlord commensurate with any increase in the Consumer Price Index since that date;
• The landlord must give the tenant a receipt and itemized listing of what the screening fee covers;
• The landlord must return any unused part of a screening fee if the landlord only completes a partial screening;
• The screening fee can only be charged when rental units are available; and
• An applicant must be given a copy of any credit report that was obtained as part of the screening process, if requested.

b. Applicant can?t be required to prove immigration status or citizenship

A residential landlord cannot make any inquiry about citizenship, immigration status, or country or origin, and cannot require the tenant to provide any document that would establish this.? For this reason, the landlord cannot require the applicant to provide a social security number, except where required by federal law (such as for renting federally subsidized housing), as part of a credit check.

Instead, the landlord must develop criteria to apply to all applicants with little or no financial history, regardless of their immigration status, citizenship, or whether they possess a social security number.? For example, the landlord could reject all applicants who lack an extensive credit history, even if they are citizens and have a social security number.? Or, to prove identity, the landlord could request a government ID in any format ? a passport, a government-issued photo ID, or a driver?s license from any state or country.??For financial security, the landlord could require an increased security deposit or a co-signor. The important thing is that the landlord treat all applicants equally, and not follow any procedures that would tend to discriminate against illegal immigrants or non-citizens.

c. Applicant must give permission for credit check

A residential landlord must obtain the applicant?s written permission to run a credit check.?If the applicant has paid an application screening fee and requests a copy of the credit report (typically, by checking a box on the application form), the landlord must provide it.

Taking ?Adverse Action? Based on Credit Report or Credit Score

a. What ?adverse action? means

There are more laws that apply when the landlord takes an action against a prospective tenant based in whole or part on the prospective tenant?s consumer credit report and/ or credit score.? Examples of these actions would be refusing to rent or imposing requirements that would make renting more burdensome, such as:

• Requiring a larger rental deposit;
• Requiring a co-signer or guarantor for the lease; or
• Requiring that rent be paid in advance.

b. Adverse action notice

When the landlord takes adverse action based in whole or part on the information in the prospective tenant?s consumer credit report and/or on the credit score, California law requires the landlord to give the prospective tenant a written notice.? There are two sets of requirements:? one where the adverse action is based in whole or part on the credit report, and another where it is based in whole or part on the credit score.? If it is based on both, the notice must comply with both sets of requirements.? The notice is typically in the form of a letter to the prospective tenant, delivered in person or by first-class mail.

Adverse action based on credit report:? Where based in whole or part on information in the prospective tenant?s consumer credit report, the adverse action notice must contain this information:

• A statement that the decision was based in whole or part on information contained in a consumer credit report;
• The name, address and telephone number of the consumer credit reporting agency who provided the report to the landlord;
• A statement that the applicant has the right to obtain a free copy of the report within 60 days from the credit reporting agency identified in the notice; and
• A statement that the applicant has the right to dispute the accuracy or completeness of any information in the report.

Adverse action based on credit score:? Where based in whole or part on the prospective tenant?s credit score, the adverse action notice must contain this information:

• The numerical credit score used to make the credit decision;
• The range of possible of possible scores under the model used;
• Up to four key factors that adversely affected the credit score (or up to five factors if the number of inquiries made with respect to that consumer credit report is a key factor);
• The date the credit score was created; and
• The name of the person or entity that provided the credit score or credit file on which the credit score was based.

c. Penalties for failing to provide adverse action notice

California and federal laws carry heavy penalties for failing to provide a proper adverse action notice.? Willful failure can be punished by a court award of the tenant?s damages, including pain and suffering, plus punitive damages and attorney?s fees and court costs. Negligent failure can be punished by a court award for the same, except for punitive damages.? In addition, the Federal Trade Commission and State Attorney General can bring court actions against the landlord to enforce compliance. The landlord?s only defense is to prove by a preponderance of the evidence that the landlord maintained reasonable procedures (such as a written policy, automatic calendaring, files on each applicant with checklisted documents, and printed forms) to assure compliance with the notice requirements.

Skilled Legal Assistance for Landlords Offered by San Diego Law Firm

If you own commercial or residential rental property, San Diego Law Firm?s experienced real estate lawyers have the skills and years of experience to help you develop policies and procedures to keep you in full compliance with state and federal laws.? We offer fixed fees once we know what your situation requires.? Please call us for an appointment at (619) 794-0243. ?We look forward to helping you.

This entry was posted on Wednesday, May 30th, 2012 at 4:49 pm and is filed under Landlord, Real Estate.

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Rihanna, Drake Spotted Getting 'Hot And Heavy' In Miami

Pair, who recently collaborated on Drake's 'Take Care,' allegedly took part in some dirty dancing at Liv nightclub.
By Jocelyn Vena

Photo: Kevork Djansezian/ Getty Images

Rumor has it that Rihanna and her onetime paramour and frequent collaborator Drake got their dance on while clubbing together in Miami on Sunday night.

According to an onlooker, their dancing got somewhat dirty while they partied at Miami's Liv nightclub. The source told UsMagazine.com that the twosome got "hot and heavy" while out together, saying, "Rihanna was all over Drake this weekend. They were holding hands and dancing all close on the dance floor."

This is hardly the first time these two have sparked romance rumors. They briefly dated in 2009, but the relationship fizzled from romance to friendship. Since their platonic transition, they have collaborated on several hit tracks including Rihanna's "What's My Name?" and most recently Drizzy's "Take Care." They even steamed up the videos for both tracks by playing lovers.

"We weren't really sure what it was," Rihanna told Elle magazine in 2011 about her relationship with the MC. "I definitely was attracted to Drake, but I think it is what it is, like what it was. We didn't want to take it any further. It was a really fragile time in my life, so I just didn't want to get too serious with anything or anyone at that time."

While it seems the twosome have since moved on from their '09 fling, at the time, Drake had some strong emotions about the breakup.

"She's just such an overwhelming and incredible person," Drake said. "And such a talented person and someone that I was like, 'I can't believe I'm here talking to this individual,' that she just gave me that feeling like when I was 17 years old trying to take Nikki Ramos, this girl from Toronto, out on a date and she never wanted to go with me. She never would go; she would have a million excuses why she couldn't talk to me. That's how [Rihanna] made me feel, she made me feel small; she made me feel nervous. It just put me back to the Acura in Toronto, feeling like Aubrey Graham, not Drake."

Related Artists

• Rihanna
• Drake

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McGill University student plan provides healthcare to rural areas with Windows Phone and Win 8

Those of us living in metropolitan areas don't think twice about our ease of access to medical care, but those in rural areas don't enjoy such easy access to a doctor. Abhijeet Kalyan and Shravan Narayan from McGill University in Canada are aware of this problem, and came up with a way for doctors to diagnose and treat patients from afar. Called Project Neem, it's got a hub and spoke organizational structure that puts a healthcare worker in every village and leverages the power of Windows Phone to connect them with medical staff in distant cities.

Participating healthcare workers are given basic medical training and a handheld loaded up with a custom app that identifies patients by scanning their national ID card and stores their pertinent medical info -- from temperature and blood pressure readings to a variety of symptoms. The app has a virtual human body on board that lets users tap parts of the anatomy to bring up a series of symptoms that can be selected to provide treating physicians with the info they need. That information is stored in the cloud and accessed by doctors through a Windows 8 app, who then can relay appropriate treatments to the local healthcare worker. Now all we need is someone to make a real-world tricorder, and we'll truly be able to bring medical care to the masses, wherever they may be.

McGill University student plan provides healthcare to rural areas with Windows Phone and Win 8 originally appeared on Engadget on Tue, 29 May 2012 06:44:00 EDT. Please see our terms for use of feeds.

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Creating Your Enterprise At Home- Internet marketing | ApostolicCM ...

For anyone who is thinking of a making a business from home, internet marketing is well worth looking into. There are many various types of on the net business enterprise models, plus they offer the convenience of versatile hours, very low start off up expenses, and limitless growth opportunity.

The web is filled with empty promises and on the web frauds that can eagerly consider your tough attained cash. Take your time and effort and thoroughly check out any on line enterprise just before you spend your time and effort and funds. You?ll need some funds to invest inside your online business, despite the fact that it?ll be significantly less than what?s essential for a bodily enterprise. You can also ought to think about the expenses of your laptop, domain title, hosting, autoresponder, and creating your web page. You may also really need to outsource some of the perform required to set up and run your online home business.

As soon as your business web-site is constructed, the subsequent phase will be to let your buyers know exactly where you?re. You may need to learn the procedures for driving targeted traffic for your web site. It truly is very best if you can make a decision on two or three unique techniques of producing targeted traffic, and do them consistently. You can generally include in other strategies to increase your targeted traffic, but you could end up scattering your time and effort and resources also skinny when you attempt also lots of targeted traffic generation designs at one time.

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If you are just starting to create your house business, formulate a plan, and stick to it. You may normally modify your program later, after you have got determined what operates and what does not. Next an organization strategy, and tracking your enterprise development isn?t one from the most thrilling components of constructing your enterprise at dwelling, but it is a confident method of creating a lucrative internet marketing organization.

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Israeli MK: I didn't mean to shame Holocaust by calling migrants 'cancer'

Likud MK Miri Regev, who came under fire last week after calling African migrants "a cancer" in Israeli society, apologized for the first time for her comments on Sunday, opting, however, to leave the migrants out of her apology.

Regev's controversial comments came during a violent rally staged by residents of Tel Aviv's south ? where many African migrants live ? to protest rising crime rates in the area. In the rally, the Likud MK said "the Sudanese are a cancer in our body."

She was later criticized for inflaming the protesters, with angry demonstrators later going on to attack African passers-by and journalists, breaking into and looting shops associated with the African migrant community and shattering car windshields.

At the time, Regev condemned "any violence from any side, but I understand the rage and hurt of the residents, of the families that live there. They tell us: 'Help us. We are being humiliated, look how we live, we are afraid to leave the house.'"

However, speaking to Israeli media outlets over the weekend and on Sunday, Regev chose to apologize for calling the Sudanese a cancer, opting however, to direct her apology to Holocaust survivors and cancer patients.

"When I compared the migrant worker phenomenon to cancer I was referring to the way the phenomenon had spread, and not anything else. If anyone took it otherwise and was consequently offended, I apologize and I surely did not intend to hurt either Holocaust survivors or cancer patients," she said.

Regev told Maariv that she was very "attuned to the issue of the Holocaust. The memory of the Holocaust is seared deeply into my heart back from my time in high school when I prepared a paper on the subject."

"Up until a year ago I did not set foot in Germany, and made it a point not to purchase German-made products," the Likud MK and former army spokesperson said, adding: "When I was with an IDF delegation in Auschwitz I didn't stop crying, and so if someone attributed a wrong interpretation of my comments or was offended by them, I apologize."

Regev added that "she didn't talk about people as being cancer but of an infiltration phenomenon that was spreading."

The Likud MK also added that she was sensitive to the feelings of cancer patients, adding that she was herself involved with the care given to a boy with cancer, telling the website of Israeli daily Maariv that she understands the emotions involved with ta mention of the disease.

"When [former Prime Minister Yitzhak Rabin] said the settlers were a cancer, no one made any fuss. When [Peace Now head] Yariv Oppenheimer speaks of the settlements as caner, everyone is silent. When I talk about the phenomenon, I get attacked just became I'm a leader from the right-wing," Regev added.

Last week, Prime Minister Benjamin Netanyahu promised that his government would address the issue of African migrants in Israel, one day after a protest against them by residents of south Tel Aviv turned violent.

"The infiltrator problem must be solved, and we will solve it," Netanyahu said on Thursday afternoon, speaking at an event in Tel Aviv.

He also refered to the construction of a fence on the Egypt-Israel border, saying, "We will complete construction of the fence within two months, and soon we will begin sending infiltrators back to their countries of origin."

The prime minister also condemned the actions of demonstrators and Knesset members on Wednesday, when demonstrators attacked African migrants in South Tel Aviv.

"I want to make it clear that there is no place for the statements and actions that we witnessed yesterday. I say these things to the public figures and to the residents of south Tel Aviv, whose pain I understand," he said.

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Romney: 'The world is not a safe place' (CNN)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

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Home Staging Services Don't All Have To Be Done By The Stager ...

Home stagers often need to either provide or recommend outside services, in addition to doing the actual rearranging of furniture. The most common of these services needed in home staging include: Sourcing and selecting rental furniture/art/accessories, purchasing accessories (bedding, towels, decorative items, flowers), painting, handyman-type repairs, gathering packing supplies, finding storage facilities, junk removal, landscaping and cleaning (interior, windows, carpets, exterior).

I personally don?t do any heavy lifting or sorting through clutter. I choose paint colors but I don?t do the painting. All stagers do things differently but I built my service list when I started my staging business so I would only offer home staging services I would enjoy doing. However, I have also learned out how to form alliances with trusted contractors offering those other services I knew I?d need to recommend to my clients. Have you figured out where all these home staging services will come from in your business yet? If not, working on your list of trusted contractors is a great activity to do during slow periods, as it will help increase your business over time. Start jotting down names of service providers you?ve used in the past and find out who your friends and family members recommend as well. Remember, the people you recommend are going to be a reflection of you as a professional home stager, so only choose the best contractors to refer your clients to. Many home staging projects have to be done under VERY tight time lines. Knowing who you can call for help before you need it will significantly reduce your own stress level when you?re trying to get a house picture-perfect in record time. While it may not seem exciting to track these resources down, it should be a priority. Learn more about how to find the right people to work with in Course 5 of the Staging Diva? Training Program, called -?Over 30 More Ways to Make Money in Home Staging.-?

Related Articles ?
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Untethered jailbreak for Apple TV 2 5.0.1 (iOS 5.1.1) to be released shortly (updated)

UPDATE: It?s out! You can jailbreak your Apple TV 2 running the latest 5.0.1 firmware by following this tutorial.

Finally, we have some good news for you. Although there is still no sign of Apple TV 3 jailbreak, it seems that Apple TV 2 owners will soon be getting an untethered jailbreak for their black boxes updated to the latest Apple TV 5.0.1 firmware.

nitoTV tweeted that he had successfully tested pod2g?s untethered jailbreak for Apple TV 2,1 5.0.1 (4224)/5.1.1(9B206f). He didn?t give any ETA but he is working hard to release it as soon as possible.

In case you don?t want to wait until the untethered jailbreak is out, you can tether jailbreak your Apple TV 2 running the latest firmware using FireCore?s Seas0nPass 0.8.4 right now by following this tutorial.

Be sure to follow us on?Facebook,?Twitter?or?Google+?for the latest updates on Apple TV 2 untethered jailbreak and?Apple TV?3 jailbreak?status.

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Who Else Wants To maximize Their Google Adwords Success?

?Discover Three Easy But Extremely Powerful Approaches That you just Can Put into action Correct Now About the One Thing You need to Do To ensure An Wonderful Adwords ROI!?

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Target YOUR Advert!

Generally use your key phrases as usually as you may in your Advertisement: inside the title, inside the body as well as in your domain name.

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Focus on YOUR Advert!

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As an alternative choose just a little extra time and create one Ad Group for each and every key phrase or phrase.

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Target YOUR Advertisement!

Recent searches for ?work from home?

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Book Reveals a Complete Guide for Gold Investing by Jason ...

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Book Reveals a Complete Guide for Gold Investing by Jason Rutherford

Don Durrett?s How to Invest in Gold and Silver has arrived at the perfect time, because individuals are beginning to realize the importance of gold & silver as a hedge against uncertainty. In a national economy that is plagued by a severe financial crisis, the time has come to look at gold and silver as an investment alternative. Currently, less than 2% of Americans own gold or silver, therefore, help is needed to show people how to navigate this opportunity.

From guiding investors on portfolio management and when not to trade, to educating them on the types of risks they should and shouldn?t take, and How to Invest in Gold Silver is a full-fledged reservoir of relevant advice that seeks to instill confidence in the investor. Don Durrett covers an array of investment categories, including, but not limited to, bullion and coins, Exchange Trade Funds (ETF?s), put and call options, and mining stocks. One undeniable strength of the book is its clear explanations detailing how to invest in each investment category.

Also, this book is especially worthwhile because it is not coming from the perspective of a financial analyst or an industry insider. Instead, Durrett is a real world investor just like the potential audience to which he is catering. He has been investing in gold since 1991 and in silver since 2004. As a testament to his abilities, his objective is to attain a five hundred percent return when he cashes out?for his mining stocks. There is enough information in this book so that you, too, can achieve this goal. Another inside fact he shares as a stock trader, is how to identify relatively low-risk, high-reward gold & silver stocks.

The key, Durrett explains, is not to purchase an assortment of subscription services and newsletters, but to learn ?how? to identify the right stocks; this is essential to successful investing. Although Durrett touches on many different aspects of stock trading, How to Invest in Gold and Silver is primarily geared for beginners and intermediate investors. He states in his introduction that this is the book he would like to have had when he was starting out.

Overall, Durrett?s text is clear and easy to follow. He writes in a style that is easy to understand, and his years of experience as an accomplished author show through. For beginners, How to Invest in Gold and Silver is a real treat from a real-world investor who has been through practical situations, and as such, is an ideal fit for guiding you on your journey to investing in gold & silver.

Don Durrett has created his own unique rating system for valuing stocks. With this rating system you can have a goal of returning 500% long term on your portfolio. Don will teach you this rating system in his book and on his web page. It will take about 1-2 years to master the system if you are new to mining stocks, although you can you use it immediately. With this system you will be better at valuing stocks than most professionals who have been doing this for decades.

Don is currently using this system to identify 10 baggers, and for re-balancing his portfolio. He always knows the upside potential of every stock he owns. From his system, he feels that his analysis is as good or better than any professional. Using his ten step approach, you will feel very confident in your stock selections.?

Find out more: http://www.goldsilverdata.com/book/
Listen to this interview: http://www.youtube.com/watch?v=tC9ERCR4NSE&feature=player_embedded
Twitter: www.twitter.com/GoldSilverData

?

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Venture Capital Investment Competition 2012 ? MBA Blogs ...

So the saying goes, ?if you tell me I will forget; if you show me I may remember; but if you involve me I will learn.? This has been especially true for all of the Venture Capital Investment Competition (VCIC) team throughout this year?s competition. Bringing together key professional skills and enhancing business acumen, the 2012 VCIC has been the most rewarding part of the MBA course so far. The following summary discusses some of what has become clear to the team through our involvement in and reflection on all aspects of the experience. In short, the VCIC was an excellent learning experience, and very much in-line with the ?learning-by-doing? philosophy of Manchester Business School. And the socialising wasn?t bad either!

Beginning as far back as October 2011, our team, ultimately winning the ?Entrepreneurs? Choice? award at the European finals in Oxford, learned to quickly understand business propositions, evaluate whether they offered an investible business opportunity, if so then draft under what terms the investment should be made, and ultimately recommend how the entrepreneur should proceed.

A further key aspect of the competition was the opportunity to experience several pressurised negotiations with real-time entrepreneurs around a variety of business topics, and then receive specific feedback from both the entrepreneurs and judges at each stage of the competition. This was, perhaps, the most useful learning experience, helping to build skills that are applicable to all areas of professional life.

To touch upon our own experiences, it?s best to go first to what we would do differently. We realised at the beginning of the competition how little we knew about the Venture Capital (VC) industry and about how, where and why Venture Capitalists (VCs) invest. We were initially under the impression that the challenges we would face in the competition were more-or-less constrained to the stated competition rules. This turned out not to be the case, especially when facing interrogative questions from the competition judges ? VC professionals ? about why, how and how much we invested, why we invested under the terms we did, and what we saw as the next steps for the business in question. In short, anything VC-related was ?fair game?, not just the stated scope of the competition.

The key point for anyone in the future is that the entrepreneurs and judges will not treat you like a competition participant or give you any allowance for not being a professional Venture Capitalist. They will talk to you in their dialect and challenge you on the intricate meanings of terminology, which to complicate matters could be dependent upon the terms? contexts. In doing so the competition demands you behave, respond and altogether emulate a realVC outfit. To some extent we did, but if we were to begin again, it would be with the assumption that whilst the competition rules are to be acknowledged, our preparation and decisions would not necessarily be constrained or directed by them.

The 2012 VCIC team with their prize

Where the team did excel is how we worked together. I was continually impressed by the work-ethic, resourcefulness and professional attitude that was displayed throughout the six months of the VCIC. As both the competition and our contextual understanding progressed, a pleasing aspect of the team dynamic was the continual and open feedback ? self-regulation you could call it ? on everything associated with our preparation.

This fostered an approach to everything we did that was mature, established by consensus and involving all team members. I think this was the foundation upon which we impressed the judges at the finals in Oxford University?s Said Business School, as it particularly enabled us to work and appear as united as we were, conduct ourselves inter-personally to a level that belied the short time we had actually worked together, and clearly engaged with the entrepreneurs in an assertive yet diplomatic manner.

A key point for anyone in the future is that the entrepreneurs will judge you primarily based on whether they would want to work with you on their idea that could potentially change their lives, if not so much more. How you interact as a team, and how you conduct yourselves socially and professionally thus matters greatly. I suppose the element to remember for the VCIC is to choose your team members wisely; the team?s character will count for as much, if not more than it does in wider professional life. And I think it?s fair to say that you can learn about technical skills and develop an understanding far more readily than you can learn to be charismatic or genuine, or even likable, all of which are essential to do well in the VCIC.

The 2012 VCIC team representing Manchester Business School was: (from left to right) Torben M?ller, Gareth Wilson, Maanas Varun, Rafael Castelo Branco, Anthony Clark-Jones

This is not to say, however, that to progress, you can rely on a glossy exterior. You can?t. The more granular aspects of the VC industry, what is currently ?fashionable? in VC, and the complex environment in which entrepreneurs and VCs operate must also be understood, at least to the extent of being able to withstand a cross-examination of up to ten competition judges, if not the entrepreneurs themselves. The balance, let?s say, is to maintain a diplomatic, assertive and professional demeanour with this suitability underpinned by a scientific knowledge of the relevant processes, terminology and structures, of which the VC industry has many. Not easy, but clearly not impossible.

On reflection, there perhaps isn?t a winning formula for the VCIC. There is always an element of luck involved in which business propositions need to be analysed and what style of VC the judges follow. Nevertheless, excellent team-work, comprehensive preparation and the ability to remain composed yet assertive when being questioned on reasonably complex information will always enable future MBS teams to do well in this ever-more-popular competition.

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