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Rob Laporte

SBA Loans Under the CARES Act - Updated as of April 25, 2020 | Blogs | Coronavirus Reso... - 0 views

  • The PPP provisions of the CARES Act were further interpreted by the U.S. Small Business Administration (“SBA”) in four interim final rules issued on April 2, 2020 (the “Interim Rule”), April 3, 2020 (the “Affiliation Rule”), April 14, 2020 (available here), and April 24, 2020 (available here), and Frequently Asked Questions issued on April 6, 2020 and updated through April 24, 2020 (the “FAQs” ). In conjunction with the issuance of the Affiliation Rule, the SBA also issued a two-page explanation of the affiliation principles applicable to the PPP (the “Affiliation Guidance”). The Interim Rule provided important information on the calculation of the loan amount, and added some further requirements. The Affiliation Rule and Affiliation Guidance clarified the affiliation principles that apply to applicants. The FAQs provide some additional clarification regarding the application of the affiliation rules and interpretation of the CARES Act, including guidance on how to calculate “payroll costs” and how a relationship with a third-party payroll provider and/or Professional Employer Organization (“PEO”) should be viewed for purposes of the PPP. The FAQs make it clear that borrowers and lenders may rely on the SBA’s guidance in the FAQs and the Interim Rule available at the time of application. Specifically, the FAQs provide that the government will not challenge lender PPP actions that conform to such guidance.
  • Unlike most typical SBA loans, the PPP Loans are unsecured loans requiring no collateral, no personal guarantee, and no showing that credit is unavailable elsewhere.
  • A 2-year term (decreased from the maximum maturity of 10 years under the Act), An interest rate of 1% (increased from prior Treasury guidance that set the interest rate at 0.5%), Principal and interest deferred for 6 months.
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  • Moreover, the applicant must acknowledge that the funds will be used to retain workers and maintain payroll or make mortgage payments, lease payments, and utility payments. The FAQs further clarify that providing an accurate calculation of payroll costs and applying the affiliation rules is the borrower’s responsibility. Lenders are only expected to perform a good faith review of the payroll cost calculations, the depth of which should be informed by the quality of the documents provided by the borrower.
  • Payment of State or Local tax assessed on employee compensation. Question 16 of the FAQs clarifies that payroll costs are calculated on a gross basis; provided that payroll costs do not include the employer’s share of payroll costs (e.g., FICA).
  • Important Note: Question 7 of the FAQs clarifies that the CARES Act exclusion of any employee compensation in excess of an annual salary of $100,000 applies only to cash compensation. Therefore, non-cash benefits, including employer contributions to defined benefit and defined contribution retirement plans, payment for the provision of group health care benefits and insurance premiums, and payment of state and local taxes assessed on employee compensation, are not counted in calculating the cap and, therefore, those non-cash benefits may be included as a payroll cost
  • The loans may be used for the following expenses/costs from February 15, 2020 through June 30, 2020
  • Interest on debt incurred prior to the loan
  • Payroll costs (as defined above) Costs related to the continuation of group health care benefits during periods of paid sick, medical or family leave, and insurance premiums Employee compensation
  • rent with respect to leasing agreements that had been in place before February 15, 2020
  • electricity, gas
  • transportation, telephone
  • internet access for such services that began before February 15, 2020
  • Note, however, that (i) at least 75% of the forgiven amount must be used for payroll costs and (ii) the amount of the PPP loan forgiveness may be reduced if the borrower reduces the number of employees or salaries and wages (for employees with annual salaries of $100,000 or less by more than 25%).
  • The reduction penalty will not apply to the extent the borrower restores their workforce count and salaries/wages by June 30, 2020.
  • The FAQ issued on April 8, 2020 also clarified that the lender must make the first disbursement of the loan no later than 10 calendar days from the date of loan approval, so lenders and borrowers do not have much flexibility in choosing when the 8-week timeframe begins.
  •  
    "Unlike most typical SBA loans, the PPP Loans are unsecured loans requiring no collateral, no personal guarantee, and no showing that credit is unavailable elsewhere."
Rob Laporte

Replay: The ins and outs of Shopify SEO - 0 views

  • Shopify stores generally score 20 or less on Google’s mobile PageSpeed Insights, with first contentful paint taking about 3.5 seconds, he added
  • Duplicate product pages are also a facet of Shopify. As an inherent characteristic of the framework Shopify is built on, category pages link to duplicate product pages, and although they do canonical back to the correct landing page, this may dilute link equity and make it more difficult for search engines to determine which page from their index they should favor.
  • “The reason this is just a bit riskier . . . is you’re setting up your entire website architecture around duplicate pages,” said Long, “Basically, every single category page on the site . . . is going to push internal links to duplicate product pages, but all of the product pages that are getting internal links technically aren’t eligible to rank in the search engines.” A solution for this does exist, you can read about it in our guide to technical SEO for Shopify.
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    "Search Engine Land's YouTube channel"
jack_fox

Case study: More content is not always better for ranking in Google - 0 views

  • Prior to working with us, the law firm had another company set up dozens of boilerplate service area pages targeting social security disability terms. Each page was focused on an individual city or service area but provided no real value to the users who visited those pages.
  • we made the decision to delete them all and redirect them to the main pages on the site that were about social security disability.  The result. Within weeks of doing this, my colleague Carrie Hill saw big increases in their local pack rankings for “social security disability attorney.”
  • In the case study example, it would have been better to add a few service area pages and determine if they perform well instead of adding 50 of these service area pages as a first step.  
jack_fox

The real-world impact of keyword stuffing in Google My Business - 0 views

  • reporting 50 examples of keyword stuffing, and in that study, Google took action on 40% of them. Some businesses were given a soft suspension, and others were given a hard suspension.
  • once you get to a point where the entire market is adding descriptors to their name, the ranking power that the keywords provided will diminish. So now you are left with a branding mess and no ranking benefit. We are already seeing this happen in several markets. 
Rob Laporte

Google Page Experience Update Begins Rolling Out - 0 views

  • Google’s page experience algorithm update is starting to roll out now and will be completed by the end of August 2021.
  • The page experience update considers several signals that go into creating an optimal browsing experience for users.Google assesses each of the signals and gives a website an overall ‘page experience’ score. Site owners can view their score in the new page experience report in Search Console.These are each of the signals and what is required to achieve a “good” page experience score.Core Web Vitals: See our guide to Google’s Core Web Vitals.Mobile usability: A page must have no mobile usability errors.Security issues: Any security issues for a site disqualify all pages on the site from a Good status.HTTPS usage: A page must be served over HTTPS to be eligible for Good page experience status.Ad Experience: A site must not use advertising techniques that are distracting, interrupting, or otherwise not conducive to a good user experience.
Rob Laporte

Google MUM: What to Know About the New Search Engine Tech - 0 views

  • Google MUM, or Multitask Unified Model, is the latest algorithmic successor for the search engine giant. Google has called MUM “a new AI milestone inside of Google search.
  • It basically gathers subcategories for the query and delivers a more holistic picture for the benefit of the end user. MUM is particularly attuned to comparisons for an umbrella of related queries.
  • One thing that’s interesting about MUM is that it understands things across text and images. In the future, Google expects to be able to incorporate audio and video in the omnichannel mix, too.
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  • pull information from different languages
  • understand thoughtful subjects more holistically
  • Google’s algorithm update combines “entities, sentiments and intent” all for the sake of the user experience.
  • Google’s Senior Webmaster Trends Analyst John Mueller says, “I don’t really see how this would reduce the need for SEO
  • BERT and MUM are both built on something called a Transformer Architecture. However, MUM has more multitasking capabilities than BERT. Because of this, Google reports that MUM is 1,000 times stronger than BERT at providing nuanced results.
  • Google’s been mum on when MUM will expand from beta mode. It didn’t take an excessive amount of time for BERT, so the outlook seems promising.
  • Continue optimizing your content with multimedia in mind. Keep the user at the forefront of your strategy, since that’s exactly what Google MUM is doing.
  • a sprawling leap forward in machine learning
jack_fox

Does Optimizing Content for "Near Me" Work for Local SEO? Sterling Sky Blog - 0 views

  • adding instances of “near you”, “nearby” and “near me” to the content of a page (including meta tags) does have a positive impact on ranking.
  • this optimization has a much more drastic positive impact on organic ranking and traffic for “near me” terms than it does for local ranking and traffic from the 3-pack.
jack_fox

Google Knowledge Graph and How it Works - 0 views

  • Google also states that while the information in the above list might be available directly in their search API, they augment this data considerably internally.
  • There is also a common misconception that Google’s Knowledge Panel is Google’s Knowledge Graph. This is not the case, although the Knowledge panel may represent a subset of data in the graph.
  • A Knowledge Graph is generally described as being made up of “Entities” but Google tends to refer to entities as “Topics” in its public documentation.
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  • A new fact about a topic may have to pass some quality threshold before it is added to the Knowledge Graph, but these thresholds are unlikely to be discussed openly by Google.
  • Topics can also be seen in Google Trends.
  • Google also provides a Knowledge Graph Search API as shown above, and surfaces entities in the output of its NLP API.
jack_fox

Google Recommends Pyramid Navigation Structures For Larger Sites - 0 views

  • we sometimes see folks kind of obsessing about limiting the crawl depth, for example, and trying to make it so that Googlebot can crawl to all pages in a very quick time. And to some extent, I think that makes sense," he said. He added, "On the other hand, kind of more the top down approach or pyramid structure helps us a lot more to understand the context of individual pages within the site
  • at the same time, you don't want it to be such that it's like you have to click through a million times to actually get to the actual content. You need to have, I don't know, some reasonable number of clicks, essentially, to get to the content.
jack_fox

PPC Statistics 2018 - Google AdWords Trends and Stats | WordLead - 0 views

  • People who visit a website after clicking on a PPC ad are 50 percent more likely to make a purchase compared to visitors who clicked on an organic search result
jack_fox

Frequently Asked Questions - LocalFalcon - 0 views

  • Local Falcon displays Google My Business rankings for listings that show up either in the Maps portion of the organic search, or from a search in the Google Maps Local Finder (i.e. Google Maps).
  • If you wish to record a visual representation of the scan, you will need to save a screenshot before performing another scan. We will need be added saved screenshots as a new feature shortly.
jack_fox

A WordPress safety plan for SEOs and developers - Search Engine Land - 0 views

  • Block ads to prevent sophisticated attacks that masquerade as images. Use VPN for end-to-end encryption whenever you’re working at public WiFi hotspots to prevent session hijacking and MITM attacks.
jack_fox

BruceClay - 6 Questions to Ask Your Next PPC Agency - 0 views

  • Google can deploy “smart bidding” strategies depending on goals of the campaign (target CPA, target ROAS, maximize conversion and maximize conversion value). But third-party tools often work better. This includes tools like those from Marin Software, Kenshoo and Acquisio.
jack_fox

Guidelines for representing your business on Google - Google My Business Help - 0 views

  • Publicly-facing departments that operate as distinct entities should have their own page. The exact name of each department must be different from that of the main business and that of other departments. Typically such departments have a separate customer entrance and should each have distinct categories.
  • Including unnecessary information in your business name is not permitted, and could result in your listing being suspended
  • Google can also detect category information from your website and from mentions about your business throughout the web.
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  • Special characters (e.g. %&$@/") or irrelevant legal terms unless they are part of your business’s real world representation Not Acceptable: "Shell Pay@Pump", "Re/Max, LLC", "LAZ Parking Ltd"
  • You should focus primarily on adding the most specific categories for your business; we'll do the rest behind the scenes. For instance, when you select a specific category like "Golf Resort", Google implicitly includes more general categories like "Resort Hotel", "Hotel", and "Golf Course."
  • If you can't find a category for your business, choose one that is more general
  • In order to qualify for a Business Profile on Google, a business must make in-person contact with customers during its stated hours. There are some exceptions:
jack_fox

Web Hosting 101 - The Basics - 0 views

  • Linux servers are open source and can be based on a number of different distributions, such as Ubuntu, Debian, Red Hat, CentOS, or FreeBSD.
  • the most common forms of web hosting available are: Free Web Hosting Shared Web Hosting Managed Web Hosting VPS Web Hosting Dedicated Web Hosting Cloud Web Hosting
  • Free web hosting is offered by various companies primarily in order to up-sell other domain services or to publish advertising on pages that are hosted under the account.
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  • With shared web hosting, there may be thousands of different businesses, individuals, and organizations all serving their website files to the public from the same computer.
  • The web hosting company employs systems administrators to manage the server software installation and security updates. The hosting clients use file transfer management tools to host web pages in HTML or other programming languages which serve the files to the public through the browser. The hard disk space on the remote server can be used for other purposes than web hosting, for example remote file storage, email accounts, sandbox web development, mobile app support, or running software scripts online.
  • Shared web hosting accounts can cost as little as $1 – $3 dollars per month and rarely cost more than $20. It is estimated that over 90% of the websites on the internet use shared web hosting to keep their information online 24 hours a day. Shared web hosts never turn off their services and offer seamless hardware upgrades in the data center that can keep a website online for years. Most of the available web development tools will integrate easily with a shared hosting account.
  • The main disadvantage of shared web hosting is that it is not able to scale effectively to support the traffic of large websites and usually includes strict limitations on the use of CPU processing power because of the pooled resources. Shared web hosting does not typically support the user installation of server extensions through the command line that are important for custom web development and mobile app support.
  • There is still no opportunity for advanced systems administration and custom server configurations on most shared hosting plans. Security on shared web hosting frameworks is not considered robust enough for sensitive corporate information and government accounts. There can also be performance issues that develop on a server if one domain is consistently consuming shared resources or hit with a DDoS attack. Because systems administration and root server configuration control is taken out of the hands of shared web hosting users, they are often overly reliant on the service company for tech support.
  • Shared web hosting is recommended for self-published websites and small business networks.
  • Managed web hosting is a version of shared hosting where the service company specializes in platform-specific products that support custom development frameworks. Examples of this can be seen in Pantheon and Acquia Cloud for Drupal, Nexcess for Magento, or WP Engine for WordPress. Managed host companies provide optimized server environments that can speed up website performance and page load times for high-traffic, CMS-driven websites.
  • Virtual Private Servers (VPS) are a web hosting solution designed to give more power and flexibility to website owners for custom developed software requirements and complex applications. Technically, a VPS will operate in the same manner as a dedicated server while operating on a partitioned hardware framework that allows for the use of only a fraction of the resources of the host machine.
  • Understanding which virtualization platform the VPS web hosting company is using to manage data center resources and client configurations is important.
  • Developers often prefer VPS accounts because they can custom configure the server with the choice of operating system and install whatever additional server extensions are required for programming web applications
  • The main benefit of VPS hosting is that website owners can “dial in” the exact amount of server resources that are required to optimize the performance of a complex website.
  • The main disadvantage of VPS web hosting is the complexity of systems administration required to install and manage the server software, which requires a lot of command line knowledge and background in web server configuration.
  • Inexperienced users can leave security holes in the environment that hackers using automated script bots and known server or database exploits can easily detect and target. Using a standardized cPanel, CentOS, & WHM environment or administration panels like Webmin and Virtualmin can help simplify the server administration process considerably by adding a GUI layer to access common tasks
  • VPS web hosting accounts are best suited for developers who need to custom configure the environment with server extensions that shared web hosts will not support. Typically these are related to the use of database frameworks other than MySQL, programming languages other than PHP, and server frameworks other than Apache.
  • Dedicated web hosting is the most expensive and flexible of all of the service plans offered by companies in the industry, as site owners are able to directly rent or lease a complete rack-mount server in a data center.
  • Dedicated servers are required to host the largest sites by traffic on the web, as well as by mobile apps which require elite performance
  • The main disadvantage of a dedicated server is that it is costly compared to shared hosting or VPS plans, and expensive even when compared to the price of the underlying hardware itself. With dedicated servers, the client is paying not only for the use of the server, but also for the trained technicians who manage it, the overhead costs of the data center, and access to the internet backbone. Data center costs include not only rental of office and warehouse space, but also the electricity required to run all of the servers and keep them cool. Data centers must also have back-up power generation facilities in case the local electricity supply is cut. All of the residual costs are included in the annual price of a dedicated server plan. Nevertheless, it is still often much cheaper then what would be required to manage a data center for a single business independently.
  • Cloud web hosting provides solutions for websites that need more processing power and require more than a single server instance because the amount of online traffic, including the number of queries to the database and resource files, is too high in volume for a single machine
  • Cloud web hosting is defined by the deployment of server clusters that scale automatically with the user traffic and processing power needs of a website, including advanced software applications for elastic load balancing, file storage, and database optimization
  • Cloud web hosting is similar to content delivery networks (CDNs) which use distributed global servers, advanced page caching, and file management software to optimize website performance for large websites. Many cloud hosting companies will offer the ability to choose the operating system, database framework, and geographic location of the server itself as part of the configuration options.
  • Cloud web hosting is designed for remote computing applications and required by large web sites whose user traffic exceeds the limits of what a single server instance will provide. Cloud web hosting is particularly designed to meet the needs of websites with large database requirements.
  • Not every website will require cloud hosting, but small businesses and start-ups who scale their traffic and user communities often find managed cloud services a reasonable option over dedicated servers because of the ability to “pay-as-you-go” for only the amount of server resources used and for the ability to keep sites online through cluster scaling at the times of peak user service provision.
  • The major downside to cloud hosting is the uncertainty involved with the variability of costs with sites on the “pay-as-you-go” model. Another problem can be associated with “hype” in the industry, which can lead to over-pricing and over-billing for unnecessary services or introductory plans.
  • Cloud web hosting can be similar to VPS or dedicated server frameworks where the systems administrator has the ability to custom configure the installation of the operating system with software extensions that are not available in shared hosting environments. Some managed cloud hosts simplify this process by offering optimally configured solutions with a proprietary base software package.
  • Some of the main features to look for in any web hosting account are: Server Architecture Operating System Version Domain Management Tools Systems Administration Tools Bandwidth & CPU Limitations Free Offers & Promotions Data Security Technical Support
  • Before purchasing any web hosting account, it is essential to verify the server hardware being used on the platform. Currently there is a wide variety of difference between the different versions of Intel Xeon, Atom, Itanium, and AMD Opteron servers deployed in data center use.
  • The version of Linux installed, for example CentOS and Cloud Linux, can also come with licensing restrictions due to the use of WHM and cPanel. The use of other Linux distributions like Ubuntu, Red Hat, Debian, FreeBSD, etc. in web servers is mostly related to developer preference for systems administration
  • Many hosting companies claim to offer “unlimited” bandwidth and data transfer. However, if a website uses too many CPU resources, it may still be throttled or taken offline at times of peak user traffic.
  • A web hosting company should provide a guaranteed uptime of at least 99.9% as part of the service plan.
  • Website owners should make sure that any web hosting plan will be configured securely, including firewalls and monitoring software to prevent intrusions by automated script-bot attacks. Check whether the web hosting company offers DDoS attack protection and auto-alerts for unauthorized logins. While shared web hosting plans include the company services related to upgrading the installed operating system and server software with the latest security patches, VPS and dedicated server accounts will need to be responsible for this through a qualified systems administrator. Web hosting companies that provide automated site file and database back-up tools like raid disk mirroring on advanced accounts provide an extra layer of site security in case of a server crash or technical error that leads to data loss.
  • Managed hosts have the advantage of experienced technical support teams with platform-specific knowledge
  • Small business website owners and independent publishers should start with a shared web hosting account, then upgrade to a VPS or Cloud hosting plan if the traffic scales beyond what the server will support.
  • While shared hosting under cPanel and CentOS remains the industry standard, innovations in cloud computing are changing the web hosting landscape quickly. Many web hosting companies are now offering “hybrid” approaches that combine the best features of cloud and shared hosting into a high-performance, low-cost retail plan that offers integrated load balancing, page caching, and CDN services on elite server hardware configurations.
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    "Linux servers are open source and can be based on a number of different distributions, such as Ubuntu, Debian, Red Hat, CentOS, or FreeBSD."
jack_fox

The Ultimate WordPress Security Guide - Make Your Site Hackproof @ MyThemeShop - 0 views

  • Even if you hand over the security role for your site, you should still have a good understanding of WordPress security – so you can be sure you’re really getting the protection you need.
  • recognize risk signs. A risky product is: Rarely updated – it’s hard to code a security fix for a theme you’ve virtually abandoned Has many bad consumer reviews Lacks adequate support Has a bad history of being hacked
  • how do you know if a theme or plugin has been hacked in the past? You can start by checking wpvulndb – a database that tracks thousands of exploits across a wide range of plugins and themes.
    • jack_fox
       
      Worth adding to plugin selection/research procedures
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  • Google is your best choice for finding the vulnerabilities that are not listed in wpvulndb.com. Just type “plugin-name exploit”
  • Insecure plugins and themes are the main WordPress security risks. So it’s extremely important to make careful choices.
  • It’s better to deactivate the plugin than run it. You can either find a replacement or wait until the issue is fixed.
  • If you ever experience a “white screen of death” after updating your plugins, there’s a simple procedure that will fix the situation: Disable all plugins. One by one, activate each plugin you absolutely need Then activate the plugins that are not essential, but have cosmetic value – again, do it one by one Finally, delete the plugins you don’t need
  • Top security pros rely on automated software that scans their networks and sites for weaknesses, notifying them of problems. It gives them the ability to respond quickly. You can do the same with ReScan.
  • Directories should be set to 755
  • all files inside your WordPress installation should have a 644 permission
  • the wp-config.php file should have permissions set to 600
  • You can use .htaccess files to prevent hackers from looking at code they shouldn’t see – including your wp-config file
  • Disabling XML-RPC
jack_fox

A new era has arrived in local search: Google's Local Trust Pack - 0 views

  • the real value of the badge is the access it provides to Local Services Ads (LSA). This is Google’s local trust pack. It is a cost-per-call advertising inventory unit that acts unlike anything we have ever encountered as marketers.
  • Badges are earned within two distinct programs – Google Guaranteed and Google Screened.
  • This year, Google solidified the growth intentions behind its newly minted trust layer, with the launch of Google Screened for Professional Services providers. This program is for lawyers, financial planners, real estate agents, photographers, event planners, and tax specialists.
jack_fox

Google: We Rarely Show Sitelinks Search Box, Even When Markup is Used - 0 views

  • Site owners do not have to do anything to get a sitelinks search box to appear.However, there is structured data available for customizing how a sitelinks search box will appear when Google decides to show one.
  • Whether or not the structured data is used will not impact Google’s decision to show a sitelinks search box.In fact, Mueller says this feature is “rarely” shown in search results.
  • So it’s very rare, or it feels very rare, that we would show a sitelink search box in general – for queries, for sites. And only for those cases where we would show it, if you have the markup we’ll try to use the markup, if you don’t have it we’ll just use the default setup.So that’s something where, if you’re currently not seeing a sitelink searchbox at all, then adding the markup for that will have no effect.”
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    "Site owners do not have to do anything to get a sitelinks search box to appear. However, there is structured data available for customizing how a sitelinks search box will appear when Google decides to show one."
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