How Much Is Your Google Plus Profile Worth?

This morning I was notified of a very in depth study conducted by Joshua Berg in which he researched the possible PageRank of an individual Google+ profile.  For those that may not be familiar, PageRank is the value that Google assigns to any specific website that helps to determine how that website will rank within search.  There are hundreds, even thousands, of other ranking factors but PageRank is the foundation upon which the Google algorithm was created.  This means the PageRank of a personal profile on any website could be extremely valuable.

Google Plus Profiles are Ranked Based on What?

After having been active on Google+ over a year it seems obvious the signals that matter to Google.  Here are just a few of those signals that likely determine the “rank” of a profile page:

  • Engagement Levels (comments, shares, +1s)
  • Who is Engaging with Said User
  • Activity on Google+ (number of updates)
  • Value of Content Shared
  • Use of the Google+ Social Layer with Other Products
  • Value of Links to the Google+ Profile
  • Social Shares from other Websites

These are just a few of the many factors and I could do an article on each and every one but I will save that for another time.  What users must understand is that Google created this product to help them better search with social signals.  Even if you are not signed into “Search Plus Your World” you will still see Google+ influencing search.  So much so that some profiles are ranking very high for competitive keywords.  This is what started the conversation about a Google+ profile having PageRank in the first place.

The Value of Ranking in Google Search

Anyone that owns a business, works in internet marketing or has a pulse knows the value of ranking on the front page of Google search.  Just yesterday I had a long discussion with a brilliant friend about the long term business model of ranking in search versus a Facebook or Twitter based business model.  There is no comparison whatsoever.  There is a reason that Google makes tens of thousands of dollars a day on one specific keyword.  When a potential buyer is ready to make a purchase they are going to search.

This is one of the many reasons a Google+ profile is so valuable.  If you are a personal brand or have access to a major brand page it stands to reason that you would want to rank at the top of Google search.  Time and again we have seen that Google+ helps people and businesses do just that.  I will give you an example.

Let us say you are a carpenter in Orlando, Florida.  There are many ways that you can get customers but one of the most efficient and profitable ways is to allow them to find you in a time of need.  The best way to do this – Google Search.  By using a Google+ profile to actively engage in related topics on Google+ you are telling Google that you have expertise in this field.  You also have the ability to reach out to customers that may be on the other side of the planet.  Every single comment you make with the words nail, hammer, fix, wood, construction, kitchen, renovation and so on will help Google understand who you are and how you should rank.

This is not an overnight process.  Like anything of value in life, it takes time and effort.  I am truly shocked to see my Google+ personal profile ranking ability.  That said, I have been very active over the last year and I am doing what most are not, I am putting forth a lot of effort.  When I see someone who needs a question answered (in my area of expertise) I do my best to explain, in detail, how to alleviate the concern.

Value Takes Time to Build

Since I have been active in the internet marketing industry (a long time) Google has delayed the update of PageRank value to users.  There is a reason for this.  They do not want website owners to obsess over the little things that may increase or decrease PageRank.  Just this week, one of the top Google Search engineers said that creating quality content that users want to read is the best way to rank in search.  This takes a lot of time and effort.  The same is true with a Google+ profile.

Do not feel as if you can get active on Google+ today and obtain a PageRank 5 profile ranking within a few weeks or even months.  My good friend Mark Traphagen has been very active on Google+ since day three (July 2011) and he has a PageRank 5.  I have been active since March 2012 and I have a PageRank 4.  These numbers are not set in stone as they are just an estimate based on some testing software programs.

Take the time to recognize that Google+ is a very powerful tool.  More importantly, understand the Google wants this product to help Google search by creating relationships across the world.  If you build powerful personal and professional relationships on Google+ I can assure you that Google will reward you in the long run.…

PNC Bank Bad Credit Personal Installment Loans

Even though the overall economy has drastically improved over the last several years it is still true that many people have bad credit. When looking for loan opportunities some may seek installment loans. Those on the east coast may actively look for PNC Bank bad credit personal installment loans in hopes of gaining access to up to $5000 cash. Unfortunately, many times this bad credit money borrowing could come with very high interest rates.

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PNC Bank Buys RBC Bank

Recently, PNC Bank purchased RBC Bank to expand their presence throughout the Southeast. RBC was headquartered in Raleigh, North Carolina so this expands PNC Bank into the South in states such as South Carolina, North Carolina, Georgia and Florida. Most banks are more than willing to expand into other areas as they know they will be able to make more money with loan opportunities. That being said, it does not mean that PNC Bank is willing to offer every bad credit borrowers easy cash.

PNC Bank has a huge presence in the Eastern United States with its headquarters being in Pittsburgh, Pennsylvania. When looking at the map of PNC Bank locations it is quite obvious there is a large presence in South Florida near Miami and Atlanta, Georgia. With the purchase of RBC Bank it should come as no surprise that they also have a large presence in the central part of North Carolina as well. No matter where you are on the East Coast it is likely the case that there are PNC Bank opportunities.

In the coming months it will be very interesting to see just how many borrowers look for bad credit personal installment loans. Unfortunately, some of these borrowers may end up paying a very high interest rate because they have made poor financial decisions in the recent past. If you have let bills add up and your debt to income ratio has increased there is a very good chance that you will see high interest rates on any amount of money that you borrow.

PNC Bank Bad Credit Personal Installment Loans

When looking on the PNC website there are many opportunities to borrow money. Take the time and effort to research these opportunities before deciding on any type of loan in the very near future. Here is some of the valuable information that is provided by

Personal Line of Credit
Personal Installment Loan

Line of credit that you can draw against as the need arises
Installment loan with a fixed term


Variable Rate, based on Wall Street Journal Prime Rate
Fixed Rate

Monthly Payment
Variable, based on a percentage of the outstanding balance
Fixed, based on initial disbursement

Access to Funds
As needed, by check or online transfer
One-time, lump sum

Loan Amounts
Min: $1,500

Max: $25,000
Min: $1,000

Max: $100,000

If you are struggling to find a bad credit personal installment loan please feel free to contact me below and I’ll try to find information in your local area. Even if you do not live on the east coast near PNC banks you still may be able to submit an application online. This has become much more common as we continue to advance with the Internet. Some banks work solely online as it makes the expenses much lower.

When thinking about it, most banks spend their money on a physical location. Having to pay bank tellers or loan officers in these physical locations as well as paying the rent for the building. By avoiding these costs and expenses some banks may be able to save a significant amount of cash in the long run. Take this into consideration when looking for personal installment loans as there are online opportunities that are not a bad choice.

Cash Advance Payday Loans vs Personal Installment Loans

It is very important to recognize that there is a huge difference in personal installment loans and cash advance payday loans. A personal installment loan will be paid back over the course of time through monthly installments. This means individuals will take out up to $5000 or $10,000 cash. They will then pay it back with monthly payments of principal and interest. This is much better than having to pay this loan amount back quickly. That is the big difference when it comes to a cash advance payday loan.

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When people take out cash advance payday loan they will likely take out a 10 day loan or a 14 day loan. The next time you receive a paycheck you will have to pay the loan off in full. This can be very difficult for individuals as time is of the essence. If you have borrowed $500 and you have to pay it back in two weeks you better have a very large paycheck. Unfortunately, many of the individuals who are taking out payday loans do not necessarily have a large paycheck.

Over the last several years payday loans have become extremely popular in many states. This is how a payday loan works: individuals will borrow up to $1500 cash while also having to pay fees. These loans must be paid back in 10 days or 14 days depending on the contract. Often times, fees will be between $10 and $15 for every $100 borrowed. As you can imagine, these fees can add up very quickly if you are borrowing a significant amount of money. Another issue is the fact that these fees reset each time a customer receives a paycheck and does not pay the loan off in full.

This means if you borrow $500 you will have to pay back $550 with your next paycheck. If you are not able to fulfill this commitment the fees will reset and you will have to pay another $50 with your next paycheck. This means you end up paying $600 for the $500 you borrowed just one month ago. When calculating out the APR some of these cash advance payday loans have an interest rate in excess of 300%.

Take this into consideration before making any type of bad credit payday loan decision. In all reality, individuals should try to avoid payday loans at all costs. The only reason somebody may consider a payday loan is if they are 100% certain they will have the money with their next paycheck. Unfortunately, the majority of payday loan borrowers can not be 100% certain that they will have this money in their bank account. This is the reason they are considered a very bad credit borrower.

Personal Installment Loans in Pittsburgh, Pennsylvania

As mentioned earlier, PNC Bank is headquartered in Pittsburgh, Pennsylvania so it should come as no surprise that the largest presence is in this city and state. When looking for ways to borrow money with bad credit recognize PNC Bank is not the only financial institution. In fact, I would strongly consider looking at some of the local community banks and credit unions in and around Pittsburgh, Pennsylvania. As I have stated many times in previous documents it is often true that some of the bigger banks do not want to get to know you by name.

Small local community banks and credit unions are more than happy to get to know your name as it helps them build better customer service. This is extremely important when it comes to building a strong financial institution. The bigger names have a significant amount of deposits that allow them to offer products that some of these small financial institutions do not. Small financial institutions make their money by creating strong relationships with borrowers.

If you are looking for a community bank in Pittsburgh, Pennsylvania I would strongly suggest using the FDIC search tool. The FDIC search tool will allow individuals to find every financial institution within the state’s borders but is also insured by the FDIC. This is very important for individuals who want to build a growing relationship with a bank or financial institution. Make a mental note that not all financial institutions offer bad credit personal installment loans.

In fact, there are a few FDIC financial institutions that are only investment banks and do not offer loan products at all. You will quickly figure this out by going to the websites of some of these financial institutions. Below are some of the cities in and around Pittsburgh, Pennsylvania:

  • Dormont, PA
  • Brentwood, PA
  • Wilkinsburg, PA
  • Munhall, PA
  • Swissvale, PA
  • Mount Lebanon, PA
  • Baldwin, PA
  • Bethel Park, PA
  • West Mifflin, PA
  • North Versailles, PA
  • Franklin Park, PA
  • Plum, PA
  • Lower Burrell, PA
  • New Kensington, PA
  • Economy, PA

If you live in or near any of these areas please understand that there are multiple options available when it comes to borrowing money with a personal installment loan. While PNC Bank might be the best option there are other options in this area as well.

Improve a Credit Score to Lower Interest Rates

One thing that is very common when it comes to bad credit personal installment loans is the fact that the interest rates are high. Some individuals will see interest rates as high as 30% on the money they borrow. This is very unfortunate as they could be paying this loan back over the course of several years and several decades. Paying both principal and interest on these bad credit personal installment loans will be difficult as the interest builds up very quickly.

The best way to improve a credit score is to make 100% certain the bills are paid on time and in full. Unfortunately, people with a low income find it is very difficult to make certain these bills are paid. Even if you have a low income is smart to create a weekly or monthly budget to get these bills paid. Another idea would be to get a second or third job just to make certain that a financial life is a little bit easier down the road.…

Senior Citizen Life Insurance in Florida

Many seniors decide to migrate south because of the weather and the facilities that are available in the state of Florida.  Some of these individuals will actively seek senior citizen life insurance in Florida as they want to have some insurance policy for their loved ones.  These loved ones might be children, grand children, great grandchildren or just friends of the family.  That will be decided by the individual that takes out the insurance policy.  Before assuming all insurance policies are the same it is always important to do a little bit of research.

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Term Life Insurance Policy Help

Term assurance or term life insurance is one of the cheapest possible forms of life insurance when it comes to monthly payments.  That said, customers must recognize that once the term is up there is no coverage at the previous rates.  Unlike whole life, universal life and variable universal life, term life insurance is usually not used for estate planning or charitable giving.  The most common reason that individuals desire term life insurance are the low rates and an income replacement if an individual passes.  This is important to remember when contacting life insurance agents or companies in the state of Florida in 2013 and beyond.

Before starting to really jump into any type of insurance policy it would be wise to research the many different options that are available.  Most insurance companies offer a wide variety of products that will help the needs of the customers.  The more customers they can help the more popular the products.  Even with this being the case, do not get caught up in the more popular products just because you have read the names or seen the advertisements.  Be very adamant about the fact that you want an insurance policy that works best for you.

As we continue to advance with technology it is not difficult to educate oneself on popular financial products.  Life insurance can be very difficult to understand and some people will simply look for the lowest possible payments.  I would suggest thinking otherwise as you often get what you pay for.  When looking for life insurance payments under $20 a month or even under $10 a month remember that you are not going to be getting the payout your desire in the long run.  This can be very hard to swallow as life insurance deals with death but there is no reason to pay this much every single month if you are not getting the products you are looking for.

Senior Citizen Life Insurance in Florida

As with most states, there are tons of options available in the state of Florida.  Of course the big names like MetLife, Mutual of Omaha, State Farm, Northwestern Mutual, AARP, New York Life, Nationwide, Colonial Penn, John Hancock, Prudential, Hartford Life, TIAA-CREF and Avivia are present.  Also look for some of the small local financial institutions that may offer life insurance products.  You may be surprised to find that some local community banks or other financial companies offer different types of life insurance policies.  If you are a traditionalist that likes things the way they have always been I would suggest using one of the names suggested above.

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Sometimes it is worth it to look for insurance companies that offer combined products.  Maybe you want auto, life and homeowners insurance.  We have been seeing more and more commercials that point out these opportunities.  State Farm has done an amazing job of promoting the idea of having all insurances with one particular company.  This may lower the bills and it will make it easier with one large payment every single month much like a loan consoldiation.

There is a great explanation of the different in life insurance policies at the American General Page.  This should be helpful:

“Term life insurance covers you for a certain period, such as 10, 15 or 20 years. Buyers typically choose a policy that covers them until their mortgages and other debts are paid off, or the kids have graduated from college and are living independently. Term life is fairly straightforward, compared to permanent life, and it’s less expensive than a permanent life policy. The average cost of a 20-year, $250,000 term life policy for a healthy 30-year-old is about $150 a year, roughly the cost of one latte per week, according to LIMRA and the LIFE Foundation.

A term life policy pays out if you die during the term while the coverage is in effect. Then your beneficiary collects the proceeds, called the “death benefit.” You can’t cash in the policy while you’re still alive. With term life you risk buying something that your family might never end up using, but in return you gain the peace of mind knowing they’d be OK if you died unexpectedly.

Permanent life insurance, such as whole life or universal life, covers you for the rest of your life. The policy pays the death benefit to your beneficiary whether you die tomorrow or in 50 years.

Permanent life insurance also includes an investment component, known as “cash value.” The cash value of the policy starts off small and then gradually grows tax-free. If you hold onto the policy for many years, the cash account becomes a nest egg. You can borrow from the cash value — the policy stays in effect as long as you repay the money, plus interest — or surrender the policy for the cash.”

You can adjust the numbers as you see fit but this explains why term is usually just to cover a certain number of years while whole or universal is more for the rest of your life.  Sometimes this is difficult to understand so make sure to contact an agent or a broker in your area.  By using Google Maps it should not be difficult to find an agent that is more than willing to help as their salary and bottom line will be helped if you sign up for a policy.  With that in mind, always shop around and see which agents are willing to work very hard for your business.

Counties with the Most Senior Citizens

When doing research on the counties with the most senior citizens in the United States it is quite obvious that that state of Florida dominates this list.  Below are the top 25 “oldest” with the far right hand number being the median age of the head of the household.  Florida takes the cake with all of the top 10 and much of the top 25.

1 Charlotte County, FL Punta Gorda, FL 61.6

2 Citrus Count, FL Homosassa Springs, FL 60.5

3 Hernando County, FL Tampa-St. Petersburg-Clearwater, FL 59.8

4 Sarasota Count, FL Sarasota-Bradenton-Venice, FL 58.9

5 Indian River County, FL Sebastian-Vero Beach, FL 57.6

6 Martin County, FL Port St. Lucie, FL 57.1

7 Marion County, FL Ocala, FL 56.3

8 Lake County, FL Orlando-Kissimmee, FL 55.9

9 Collier County, FL Naples-Marco Island, FL 55.7

10 Lee County, FL Cape Coral-Fort Myers, FL 55.5

11 Pasco County, FL Tampa-St. Petersburg-Clearwater, FL 55.1

12 Manatee County, FL Sarasota-Bradenton-Venice, FL 54.4

13 Mohave County, AZ Lake Havasu City-Kingman, AZ 54.3

14 Ocean County, NJ New York-Northern New Jersey-Long Island, NY-NJ-PA 54.0

15 Yavapai County, AZ Prescott, AZ 53.8

16 Barnstable County, MA Barnstable Town, MA 53.6

17 St. Lucie County, FL Port St. Lucie, FL 53.5

18 Volusia County, FL Deltona-Daytona Beach-Ormond Beach, FL 53.2

19 Palm Beach County, FL Miami-Fort Lauderdale-Pompano Beach, FL 53.0

20 Sussex County, DE Seaford, DE 52.7

21 Pinal County, AZ Phoenix-Mesa-Scottsdale, AZ 52.7

22 Cambria County, PA Johnstown, PA 52.4

23 Pinellas County, FL Tampa-St. Petersburg-Clearwater, FL 52.2

24 Schuylkill County, PA Pottsville, PA 52.1

25 Luzerne County, PA Scranton–Wilkes-Barre, PA 51.8

Every single county on this list will have plenty of life insurance agents that will be more than happy to help with any type of term or whole life insurance.  As stated earlier, do plenty of research before picking out a specific type of insurance.  Every single insurance website should have a detailed description of the different types of insurance and how much they will cost each and every month.  Don’t always go for the lowest monthly quotes as you get what you pay for.

Online Financial and Money Help

In the last decade almost every single bank and insurance provider has looked to expand their presence online.  It is not difficult to find many great resources that will help when it comes to finding senior citizens life insurance in Florida.  Take the time to research on government websites as well as personal blogs.  Some of the personal blogs out there have a wealth of information when it comes to experience.  Just reading over some of these stories helps many to understand just how difficult it can be to determine which insurance policy is best for their current condition.

Senior citizens want to do what is best for their families, especially when it comes to children and grandchildren.  Rather than worrying so much about how much money will be left to the grandkids sometimes it is worth it to simply enjoy the life you have.  There are many seniors that life a difficult life because they do not want to spend $10 here or $20 there.  Recognize that sometimes it does not hurt that much to spend money on the necessities.  If hundreds of thousands of dollars are going to the kids or grandkids it won’t hurt to spend $20 on yourself.…