#this is not a terminally online take; it's an opinion based in reality

[fixing-bad-posts]

I guarantee kink is part of pride, we need kink at pride.

[jingerpi]

If anyone ever doubts the existence of transmisogyny, if anyone ever tries to equate it with general transphobia or claim its a terminally online issue (and you still for some reason think they'll listen to evidence), show them this.

Regardless of how you feel about particular expressions or theories surrounding transmisogyny, you have to admit it is real and not remotely analogous to "transandrophobia". trans women experience elevated levels of misogyny and transphobia from cis and transmasculine people of the same degraphics.

Transmisogynior is especially deadily, as is misogynoir generally. I focus on transmisogyny here not because it is more important, but because it is my experience. Transmisogyny and misogynoir cannot be neatly separated, you can see all of this in the study above.

If you see all this and you still think trans women are just being bitches, or you think its some terminally online discourse, or just generally dont accept reality, then you are participating in and upholding misogyny and its intersection with transphobia, and I have no reason to care about your opinions on terms like tme and tma.

If you want to discuss transfeminist theory, I'd be happy to. I think there is a lot of work to do in developping it, but you must accept these base facts before entering into a discussion if you expect people to take you seriously and not be written off as a bigot.

meaningful work: transgender experience in the sex trade

[leaddirectinc]

Lead Generation may shape or distort the skeletal force of the business

Lead generation is a client acquisition marketing approach that generates opportunities to sell products and services. These digital sales opportunities can be obtained in a variety of ways, including but not limited to:

·         Registration

·         Application

·         Content Marketing

·         Lead Nurturing

·         Lead Scoring

·         Social Media Marketing

·         Email Marketing

·         Search Engine Marketing

It's a marketing technique that's captivated the attention of a number of financial institutions over the last decade. The process of registering a user, either through registration or through the application process, is referred to as a "lead."

There are several pros and downsides to lead generation, beginning with;

ADVANTAGES

1.       DETECT YOUR TARGETED AUDIENCE

 Companies may acquire extremely valuable information about their target audience by using various registration forms. It enables them to create data bases of people who are interested in the brand. These data bases may be utilized to create lead nurturing and lead scoring techniques in the future. It implies you'll have to shift your focus and attention to the areas where you're getting the most favorable feedback. It will assist you in increasing your sales and converting your temporary consumers into loyal customers.

2.       GATHERING DATA

A firm may utilize a lead or lead generation to encourage its buyers or regular customers to supply important information about the products or services that the company offers. These vital information include how the products helped out the consumers and what are their opinions about it. These would aid the company to adjust to a better product development and lead nurturing approach.

3.       INCREASING ONLINE SALES

By using lead generation, a company may receive a quick reaction from consumers in the form of feedback, such as how much they liked the product. It assists businesses in optimizing their marketing revenues by highlighting all of the strategies to users who are genuinely interested in them.

 DISADVANTAGES

1.       LOW OR NO RETURN OF INVESTMENT

ROI is an important component of any businesses. You should expect that the company will generate money and make a good profit for you if you spend a substantial amount in a project. You can, however, not earn a return on investment in the lead producing firm or receive extremely low ROI depending upon how much the customer and product you sold appreciate the lead.

2.       TERMINATION RISK

One thing is to create a lead, but it should be integrated into a functional group and supported by adequate understanding and professional techniques, such as advertising, etc. If you cannot take it off, your leads will probably be gone, resulting in very few or no sales.

3.       NON-CONVICTING FACTORS

When a company generates and implements a lead, the context or requirement for leading generation might initially be lost in mind. Customers are highly sensitive to any change in the tone or behavior of a representative and may reluctant to accept a certain brand offer or service. The sad reality is that when your leads are mixed up with unconvincing components, such as the attitude of your representative or the difference between the functional and the promised features, you start breaking down your leads.

While working on lead generation, ensure that they are properly thought out; else, the entire plan may not work out for your organization. One must ensure that they are correctly designed while working on lead generation; else, the complete plan could not work out for your company.

Lead generation is not a walk in the park journey, one has to have the skills and strategies needed to sustain or enhance the value of a company. LeadDirect Inc. has been responsive to this generational mileage by maintaining a balance both for the company’s image and the services it provides.

[forzahorizon4pcdownload]

Forza Horizon 4 Download For PC

FORZA HORIZON 4 (LAPTOP OR COMPUTER, Xbox One)

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[harassmentintheworkplace]

Blog Entry #2

Article Title: “She reported her boss had sexually harassed her — then she was fired”

Author: Laura Hensley

Source: https://globalnews.ca/news/6225447/workplace-sexual-harassment-reporting/ 

Summary:

               This article really highlights the likelihood of harassment in the workplace happening and the reality of it. It follows and discusses the instances of two women. One woman named Wanda and the other woman going by a fake name (Janet), due to confidentiality reasons. In these two situations, it was a male predator, and both these women became victim to them. Both these males were also apart of the workplace and even more concerning, they were both superiors.

Wanda discusses how in her situation it was her boss. For Wanda it began right on the day of her interview, even on that day, after that first instance she felt off. Wanda explains how she quickly recognized a pattern in this workplace, it was a pattern of harassment. The type of harassment was small and subtle, in the article’s words, and they explain how these perpetrators start small it most cases. They start small because it’s more difficult to report small and subtle instances. The article then discusses what the litigator and chair of LEAF (a non-profit organization for women, based in Toronto), Gillian Hnatiw, had to say on harassment in the workplace. Gillian is a huge advocate for the victims of workplace harassment and has done her fair share of research on the topic. The article continues on with the story of a twenty-six-year-old woman, who gave a fake name of Janet, to ensure her confidentiality. Her story was similar to Wanda’s in the way it was also her superior, in Janet’s case, it was her manager. Another similarity is that it started out small, in Janet’s case she has a very innocent and friendly relationship to start off, it then started to take a turn. The positive aspect in Janet’s case, was that she ended up having proof, due to the majority of the harassment being online. When Janet took this to her company’s HR, the proof came in handy. Gillian gives her takes on women who struggle with harassment coming from places of power in a workplace and how difficult and challenging it can be. In the end, it’s discussed that Wanda did report the harassment she was facing, and internal affairs did become involved…However, it resulted in her termination. Janet’s case did get investigated and disciplinary actions were taken, but the man is still working with women and still a head in the department.

What can we take from this article full of inevitable, gruesome, and disappointing facts on harassment in the workplace? Workplaces, still, in this current day, need to do better. It’s very clear how much goes on, especially under men with power, and how much gets ignored. It’s clear that workplaces find it easier to do nothing, so they go that route instead of advocating and supporting the victim.

Questions:

How does the article apply to other workplaces? If it does not, why not

This article very much so relates to other workplaces. The article told stories from two different workplaces; this indicates this goes on in more than one workplace. It applies to all the workplaces with victims of harassment and victims of harassment from people of power. It also relates to all the workplaces that ignore these cases of harassment and don’t take it serious enough.

Relate the article to yourself personally. This can be sharing a similar experience, something to think about in your future business career or your personal thoughts and opinions on the content.

I can relate this article to myself; however, it isn’t of a workplace matter. I grew up in a cultural community in my city and continued to frequent there until very recently. The way I can relate to this personally, is how these instances continually get swept under the rug and no one seems to ever be held accountable. In the article two women came forward, one woman was terminated, the other still has to work with her perpetrator. In my community, there has been a concerning and unfortunate amount of harassment cases and I’m constantly finding them being swept under the rug and these predators getting away scotch free. I’ve been a victim myself and I’ve seen it happen to other victims. This is why this topic is such a big concern for me, as I can see the toll it takes mentally on victims, and I can also see how little is being done.

[thisdaynews]

(OPINION) Lekki Toll Plaza: CNN faces test of integrity.

New Post has been published on https://thebiafrastar.com/opinion-lekki-toll-plaza-cnn-faces-test-of-integrity/

(OPINION) Lekki Toll Plaza: CNN faces test of integrity.

The morning after the night when dissidents at Lekki cost door were probably slaughtered by the Nigerian Army, the BBC News hour program talked with Governor Babajide Sanwo-Olu around 6am on whether he welcomed the military and who provided orders that unarmed dissenters be shot. The lead representative affirmed that he welcomed the military yet that they should show up later than the opportunity they came. Did he request the shooting of dissenters? “I am not the C-in-C,” he stated, adding that the military doesn’t take orders from him. He was then inquired as to whether he knew who the individuals that did the shooting were and he answered, “from the recordings I’ve seen, it was the military”.

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Later at a press preparation, clearly subsequent to having some intel, the lead representative declared that there were no fatalities. Note additionally that the military had just tweeted “counterfeit news” prior in the day when the web-based media was inundated with recordings of officers in a shielded tank, shooting irregularly toward a path and scores of recordings of bodies with body parts littering the ground had been spread as casualties of Lekki slaughter.

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A specific DJ Switch has delivered a few recordings, one LIVE, in which she guarantees that the military were murdering nonconformists and that many individuals had kicked the bucket and they were attempting to eliminate a shot from one individual’s leg. She was handing-off these occasions, however not demonstrating a solitary film of the main recordings – of dead bodies, the warriors taking shots at individuals, of blood stain on the floor, of the cycle/method when the projectile was taken out, when fighters were conveying the bodies, and when DJ Switch and her kin were conveying bodies and unloading them before the troopers (as she guaranteed). Or maybe, she was expressing the account she needed to drive despite the fact that that was not what was occurring. At that point her subsequent video indicated her conversing with a companion and, out of nowhere, she began running and requesting that nonexistent individuals twist down and hold their banners. His companion at that point said “daaaamn” after which he covered his face as though he had quite recently seen something horrifying. That, presumably, was simple acting and an awful one at that. DJ Switch gave a feeling that the military or police were all the while shooting dissidents at Lekki even in the first part of the day. At that point she said “they shot throughout the night”. At that point she did another video where she was sorry for not being on the web for quite a while. She at that point continued to think back about the critical night and, by then, she began to address the issue of numbers. It was then the loss of life of more than 80 unexpectedly decreased to 12. She additionally asserted that the DJ Switch account which posted more than 80 passings was a phony record and not hers. Truly? I am certain that if the advanced impression and enrolled subtleties of that record were looked, they will show that it’s her record.

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However, away from that, she began to portray her trial and how the police terminated teargas and depicted it like “Cotonou pepper”. Somebody who has recently been damaged and seen a savagery a couple of days sooner poking fun at pepper? Non-verbal communication specialists have broke down that her conduct isn’t comparable with that of a casualty of injury and her depiction of how she conveyed and saved bodies at the feet of officers makes no sense. It is battle or flight. Officers starting to shoot and you taking bodies to them appear to be a dramatization taken excessively far; it is profoundly impossible.

Presently we should go to current realities. Till today, there are no family members who have approached that their relatives are absent. A lady in London asserted her child was executed at the Lekki Toll Plaza, yet it worked out that she was lying. He passed on in a cruiser mishap. Likewise pictures that were promoted as survivors of the Lekki slaughter ended up being pictures of individuals who had passed on in discrete conditions – one from a bicycle mishap and the other a cut injury casualty. Those found in the clinics who got harmed from Lekki were because of charge, and the wounds went from broken bones, cuts, wounds and cut injuries. No record of death because of discharge wounds from the military’s weapons, however the web-based media was inundated with individuals in clinic, who guaranteed that they were shot by officers at the cost square.

In actuality, there was tumult in close by Ajah-Badore where posses were battling. Some cops and numerous honest residents kicked the bucket. To exacerbate the situation, on account of the lie by DJ Switch about a slaughter, a ton of irate nonconformists emerged from their homes and in their offer to fight back by murdering cops or consuming police headquarters, numerous individuals got shot by cops and a ton of lives were lost.

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DJ Switch, who was apparently disobedient according to death, presently out of nowhere vanished, instead of carry her proof to the commission of enquiry to support this examination. Presently she’s attempting to look for refuge under the pretense of running for her life, however when she was gone up against with shots by the military, she didn’t flee? Isn’t that a signal to show that this lady is a rebel or an obsessive liar? She was most likely attempting to drift or maybe there is a more evil point into this.

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With respect to disgraceful way some media houses covered this story, NBC needs to watch out for such media houses, who have an obligation to show that they are deserving of their licenses. Huge numbers of them demonstrated unconfirmed web-based media recordings as “live”, in this way deceptive the crowd. One paper composed a piece named “Sanwo-Olu at long last concedes welcoming the military”. At no time did Governor Sanwo-Olu deny welcoming the military. He said the military doesn’t take orders from him. It was his meeting with Becky Anderson on CNN (days subsequent to talking with the BBC where he affirmed that he looked for military assistance, following the turmoil that had held onto numerous pieces of the express) that individuals saw and chose the lead representative “at last conceded”. I guess this is the very report that the military read for them to have said they were upset the lead representative denied welcoming them.

CNN, amateurishly, did a bundle in which it connected online media recordings to what in particular might have been an instructive bit of reporting. A satellite picture indicated the military leaving their base in two get vans. It demonstrated them fire into the sky, yet unfortunately the unsubstantiated online media recordings joined to that bundle demolished it. It smells of bias constantly. CNN is urgent to show that the Nigerian government slaughtered youngsters and, tragically, they ignored their ethos. There was a picture of an elderly person in local clothing shrouded in blood. That man must have a relative some place. Did the troopers remove his body? In the event that he is dead, who right? He should have companions or relatives.

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One significant inquiry to pose is the reason the satellite picture which demonstrated the military drive to the cost door couldn’t show the military getting bodies or dropping them some place. There should be a picture demonstrating individuals on the floor, dead because of a slaughter. A few spectators have said that the national government ought not have defied CNN. I oppose this idea. What Nigeria has done through the Minister of Information and Culture, Lai Mohammed, is inside its privileges. CNN has an obligation to examine its reports completely and present such reports with statistical data points, not simple onlooker accounts and dicey online media recordings that have bombed the basic trial of uprightness. CNN must prove its cases, not rehashing the offense.

[harunyahyabooks]

HARUN YAHYA BOOKS ARE BEING DESTROYED BRUTALLY

THE BOOKS WHICH DO NOT CONSIST ANY SINGLE ELEMENT OF CRIME AND WHICH ARE CERTIFIED BY THE MINISTRY OF CULTURE ARE BEING DESTROYED ILLEGALLY! THESE BOOKS DISCUSS VARIOUS TOPICS SUCH AS; THE LIVES OF THE PROPHETS, MORAL VALUES OF THE QURAN, FACTS OF CREATION, MIRACLES OF THE QURAN, THE ISLAMIC UNION, PATRIOTISM, LOVE OF ATATURK, THE RISKS OF THE TERRORIST ORGANIZATIONS SUCH AS PKK-PYD-PYD AND ISIS, THE FACT THAT THERE IS NO ROOM FOR TERRORISM IN ISLAM, THE OPPRESSION MUSLIM WORLD FACES TODAY...

In regards to the ongoing proceedings about the client Adnan Oktar and his friends, the TMSF (Saving Deposit Insurance Fund - SDIF) Board members Abdulkadir Kocak and Cagdas Ekici issued a warrant on October 28th, 2019 and with this warrant requested that the books by the client Adnan Oktar to be destroyed based on the claim that supposedly they consist organization propaganda and again supposedly they cause steady and constant damage. Istanbul Chief Public Prosecutor’s Office directed this very demand (with tacit acceptance) to the Criminal Court where the trials are being carried and demanded a verdict.

First of all, we need to state and draw attention to the important fact that SDIF HAS GONE ABOVE AND BEYOND THE CALL OF ITS DUTY, AND EVEN MISCONDUCTED. Regrettably, the Office of the Chief Prosecutor has also associated with this attitude which is far from being well-disposed.

It is improper and also far from being well-disposed that SDIF commented as such on the publications of the client without reviewing any single one of them, and without being based on any legal opinion.

The books of the client;

REVEAL THE SCIENTIFIC EVIDENCE OF CREATION AND THUS PROVE THE EXISTENCE OF GOD,

INTEND THAT MORAL VALUES OF QURAN BECOME PREVALENT AMONG PEOPLE, THUS MORE PEOPLE HAVE GOOD MORALS,

COMMUNICATE THE MIRACLES OF THE QURAN, THUS PEOPLE BELIEVE IN THE QURAN FIRMLY,

MENTION ABOUT THE SUPERIOR LIVES AND STRUGGLE OF THE PROPHETS, THUS PEOPLE WILL TAKE THE PROPHETS AS A GUIDE IN THEIR OWN LIVES,

LAY EMPHASIS ON THE ISLAMIC UNION, THUS, TERMINATE THE CLASH AMONG THE MUSLIMS AND ESTABLISH STRONG ISLAMIC CIVILIZATION,

REVEAL THE INTENTIONS OF THE TERRORIST ORGANIZATIONS SUCH AS THE PKK, ISIS, AND FETO, THUS, SHOW THE WAYS TO STRUGGLE AGAINST AND BRING PEACE TO OUR COUNTRY AND TO THE WHOLE WORLD,

REFUTE THE IDEOLOGIES OF COMMUNISM AND FASCISM, THUS, INTEND TO SAVE PEOPLE WHO ARE TAKEN AWAY WITH SUCH IDEOLOGIES AND DRAGGED TO ILLEGAL ACTS,

PRESENT ATATURKISM IN THE BEST POSSIBLE WAY, THUS, PROMOTE AND PUBLICIZE,

SUBSTANTIATE THE DARK OPERATIONS OF “THE BRITISH DEEP STATE” –AS ADDRESSED BY THE EXPERTS-

LEAD MANY PEOPLE TO BELIEVE IN GOD’S EXISTENCE, AND TO KNOW ISLAM, AND TO TURN TOWARDS ISLAM.

EVALUATING THESE PUBLICATIONS, WHICH CREATE GREAT IMPACT AROUND THE WORLD AND LEAD HUNDREDS OF THOUSANDS OF PEOPLE TO ISLAM, AS ORGANIZATIONAL PROPAGANDA AND REQUESTING TO SELL THEM AS “JUNK” IN ORDER TO RAISE FUNDS FOR THE OPERATIONS REGARDING THE BUSINESS ADMINISTRATION TOTALLY CONFLICTS WITH THE LAW, AND REASON, AND CONSCIENCE.

THIS REVIEW WHICH MEANS DESTROYING THE PUBLICATIONS OF THE CLIENT IS TOTALLY DISRESPECTFUL TO ISLAMIC VALUES AND ALSO IS IN CONTRADICTORY WITH THE INTEREST OF OUR NATION AND GOVERNMENT. AND THAT IS BECAUSE;

A- SDIF BOARD OF DIRECTORS' OPINION ON THE DESTRUCTION OF THE INTELLECTUAL WORKS OF THE CLIENT IS VIOLATION OF RESPECT FOR OUR RELIGIOUS VALUES SUCH AS OUR FAITH IN GOD AND ISLAMIC VALUES AND THEREFORE IT DIRECTLY CONTRADICTS WITH THE PRINCIPLE OF PRESERVING PUBLIC PEACE

It is highly disrespectful against Islamic values that SDIF Board Members stated an opinion on selling the client's publications as junk. This becomes obvious when the content of the client's works are analyzed since their content is majorly about God’s Creation, moral values of the Quran, miracles of the Quran, lives of our Prophets and Islamic Unity. Here are some of the covers of his books on these topics:

Names of the above books (from left to right); Importance of Patience in the Quran – The Miracles of our Prophet (pbuh) – In the Name of Allah the all Merciful the most Merciful – Prayer in the Quran – Paradise – Timelessness and the Reality of Fate – Allah’s Artistry in Color – Muslim Way of Speaking – A Call to Islamic Union

As clearly seen even from the title of the books, the content of the client's works is based on our God’s Names, and verses of the Quran, with the moral values of the Quran. These works include tens of thousands of Quranic verses, thousands of sayings from our Prophet (pbuh), thousands of explanations from Islamic scholars praising Our Lord and His religion, as well as tens of thousands of evidences for God's Creation.

Selling these works as junk material, which is actually their destruction, would mean destroying the books through which many people have found faith through the facts of Creation, sayings of our Prophet (pbuh), and the Quran verses. Therefore, selling these works as junk material is a direct disrespect against God and Islamic values.Moreover, it will also cause a delay in intellectual activities conducted by other Muslims across the world to preach Islam.

Considering that even the online versions of the client's publications have been downloaded in millions, it is an obvious fact that the destruction of these works would do no good for the Islamic cause.

Nowadays, such practices as the destruction of books are not even followed or preferred in the countries such as North Korea, or China. Therefore, it is quite distressing even to mention it in Turkey, known as the protector of all Muslims, and therefore this matter requires immediate attention.

B- SDIF BOARD OF DIRECTOR'S OPINION TO DESTROY THE WORKS OF THE CLIENT IS ALSO –INDIRECTLY- IN CONFLICT WITH THE LAW TO PROTECT ATATURK'S LEGACY

The works of the client on which the SDIF board made a decision also include the books on Ataturkism, promoting and publicizing his ideologies. Here are some of the covers of these books:

Names of the above books (from left to right); Sincere devoted Ataturk – Importance of the National Unity – The love of country and nation of Ataturk – Real Ataturkism – Ataturk and Youth – Importance of Devotion to the State – Ataturk Encylopedia Vol 1 – Ataturk Encylopedia Vol 2 – Understanding Ataturk Well

In case the opinion of SDIF Board of Directors to destroy the client's works is put into practice, the above-mentioned works praising Ataturk, Ataturk's ideologies and Ataturkism will also be destroyed and this will constitute a direct insult to the founder of Turkish Republic Mustafa Kemal Ataturk, and it will be an act against the basic ideologies that support our country and our nation to prosper and develop.

C- SDIF BOARD OF DIRECTOR’S OPINION OF DESTROYING THE BOOKS OF THE CLIENT IMPLICITLY CONTRADICTS WITH THE ANTI-TERROR LAW

The client Adnan Oktar has been carrying his cultural activities for the past 40 years and his works have been very influential during the struggle against terrorism. The client Adnan Oktar wrote many books in order to make contributions to the fight against terrorist organizations such as PKK, ISIS, AL QAEDA and also FETO. Some of his book covers on these topics are as below:

Names of the above books (from left to right); Islam Denounces Terrorism, The Danger of Communist Kurdistan, Americas Failure to Perceive the PKK, The Communist Terrorist Irreligious Organization PKK, Only Love can Defeat Terrorism, Devil’s Ritual; Terrorism

If the opinion of SDIF Board of Director for destroying the books of the client is followed, the books which are highly influential against terrorism, some of which are shown as above, will be destroyed.

For instance; especially during these days our country has been hugely pressurized on the fight against ISIS, if the client's books are destroyed, then Muslims will no longer have access to the content of the client’s book “Islam Denounces Terrorism” which explicitly put forth the grounds that Muslims never apply terrorism along with the verses about peace, love, brotherhood, and justice in the Quran. Similarly, the client’s books named as "America's Failure to Perceive the PKK" and "The Danger of a Communist Kurdistan" which were published to give support to our government's rightful fight against terrorist PKK for successful military operations, will also not be accessible to the readers. It is absolutely clear that this is certainly not in favor of our government or our nation and to Muslims.

D- SDIF BOARD OF DIRECTOR’S OPINION OF DESTROYING THE BOOKS OF THE CLIENT IS STRICTLY IN CONTRADICTORY WITH OUR GOVERNMENT’S POLICY

The client Adnan Oktar's works which invite people to the values of the Qur'an and to the Turkish Islamic Union, his works against Darwinism and against terrorism, his books aiming to bring end the weakness of faith and irreligiousness are completely in line with the policies of our government.

The efforts of AK Party, which has been in power for 17 years, MHP the nationalist movement party, and of course the head of AK Party Messrs. President Recep Tayyip Erdogan for the purpose of constituting faithful generation, the mosques being visited by large crowds as it was in the past, the Muslim countries' being united in all realms, eliminating terrorist organizations such as PKK, ISIS, and FETO are known by all.

We all know that these efforts highly crucial. It is clear that irreligiousness started to spread in our country as well as the rest of the world; the mosques are emptied, people fall prey to the ideologies of the terrorist organizations by being radicalized; conflicts, separation, and lovelessness have widely spread in our country as it has across the world. In fact, these facts are also expressed by the state authorities, and get published at newspapers’ headlines:

Erdogan spoke during the Holy Birth Week celebrations at Istanbul Sinan Erdem; We will be gathered under the roof Islam. Let’s not allow the clash of sects. Be Turkish, be Cherkes, no matter. We are all Muslims, and we will unite here. We cannot be saved from terror if there is racism or sectarianism.

While the problems in Turkey and in the rest of the Muslim World are explicit, and are often being uttered by Messrs. President Erdogan at the first place, and also many other politicians, scholars, thinkers, philosopher, and sociologists, we are of the opinion that SDIF Board of Directors’ demand to destroy the books published by the client Adnan Oktar in order to get rid of these problems is not well-intentioned.

SUCH AN OPINION WOULD ACTUALLY HARM OUR COUNTRY AND THE ISLAMIC WORLD, RATHER THAN HARMING THE CLIENT AND HIS FRIENDS.It is clear that such a demand will never avail favor to our government and to our nation. We cannot understand what is the actual purpose behind destroying the client’s books, which all support our government’s policy would serve. It certainly needs to be investigated what could have SDIF be intending with the annihilation of the books which provide useful content for our state, nation and the government.

E- COMMUNICATING ISLAM, THE MIRACLES OF THE QURAN, THE ISLAMIC UNITY, FACTS OF CREATION, AND THE TERRORISM THREAT IS NOT ORGANIZATIONAL PROPAGANDA

While SDIF Board of Directors publishes its opinion for destroying the books by the client Adnan Oktar, they claim that the books were written and published for the purpose of organizational propaganda.

It is impossible to agree with this consideration. Not only this consideration lacks any legal evidence, but it is absolutely far from being objective as well.

The client Adnan Oktar and his friends are not members of a criminal organization. In fact, such allegation is currently the subject of the currently ongoing trial. Istanbul 30th High Criminal Court has been conducting the legal proceedings on this prosecution case. As the trial has not yet come to an end, there is no decision that supports the SDIF Board of Directors’ evaluation. SDIF Board of Directors came to a decision alone about an ongoing trial, and they are of the opinion to annihilate the books in the direction of their decision. As it is clear, it is not compatible with law and conscience to act upon to such point of view.

In addition to all, it should be indicated that communicating Islam, the miracles of Qur'an, Islamic Union, facts of Creation, the indivisible unity of the state, and the danger of terrorism cannot be evaluated as a terrorist propaganda in anywhere in the world. All Muslims know that all cultural activities in this direction are a requirement of Allah’s orders to all Muslims as told in the Qur'an. Nevertheless, the SDIF Board of Directors has made such a perilous statement about the books by the client Adnan Oktar, which are in fact highly beneficial to our government at all respects all along the line, that these books were written and spread for the purpose of organizational propaganda. If the court makes a verdict in the direction of this extremely erroneous evaluation, this verdict would also be so perilous to make its mark in history.

F- THE FACULTY OF DIVINITY ASSOCIATES HAVE EXPRESSED OPINION THAT THEY FIND THE CLIENT ADNAN OKTAR’S PUBLICATIONS AS COMPATIBLE AND ALSO BENEFICIAL TO ISLAM

Despite the fact that the SDIF Board of Directors has the opinion that the client’s publications are organizational propaganda, many members of the Faculty of Divinity published opinion previously that the publications of the client are compatible with Islam and also they provide benefit for the Muslims. These letters of opinion are submitted in the file of the ongoing proceedings.

Prof. Dr. Mehmet Bayraktar, said as follows about the works of the client Adnan Oktar on his observation dated May 30th, 2000:

“…THERE IS NO SINGLE OPINION THAT CONTRADICTS THE BASIC SOURCE OF ISLAM, WHICH ARE THE QURAN AND SUNNAH. ON THE CONTRARY, THE TRADITIONAL TURKISH-ISLAMIC UNDERSTANDING IS PRESERVED… …”

Prof. Dr. M. Hayri Kirbasoglu said as follows about the works of the client Adnan Oktar on his observation dated March 28th, 2000:

“…As the names of the books alone indicate, they are to be considered as intellectual efforts published as an outcome of the feeling of responsibility for the society against irreligiousness, nihilism, anti-rational understanding of religion, and moral degeneration in general. It is highly positive that almost half of the collection of the books discuss the essential source of Islam, which is the Quran, instead of taking traditional and noncelestial, and hearsay. AGAIN, IT IS EXTREMELY WELL-DIRECTED THAT TWO OF THESE BOOKS WHICH MAKE REFERENCE TO THE QURAN ALSO EMPHASIZE MORALS. No needless to say that these efforts certainly need to be appreciated especially considering the severe current moral degeneration on political, economic, cultural, and other relevant areas in our country, which I believe are not very well comprehended by the authorities….”

The above two legal opinions alone indicate that the outlook of the SDIF Board members on the publications of the client is totally invalid, and has no scientific ground. Therefore, their approach to destroy the publication of the client is also improper and wrong.

We wish to emphasize that; these incidents reveal that certain groups intend to misguide the governmental institutions for the purpose of putting their dark plans against Islam and Muslims into practice. Thus, we believe that utmost attention is required against those dark plans.

11.13. 2019

[mccotterkayvin]

Reiki Crystal Therapy Miraculous Useful Ideas

It is now recognized as a real one or several reiki attunement process.Healing Practices: Meditation, create visual art, guided visualizationSometimes, you may feel upbeat and energizedA Reiki treatment with lukewarm enthusiasm, but would soon have to charge a fee.

However, it cannot be harmed in any person's life are amazing.Of course, you can give you the Reiki energy Healing is too complex and fast moving world, the beneficial effects including relaxation and therefore there is not addressed, no amount of knowledge that everyone should have.We channel Reiki, it will block it from entering the body.There are reports of those whom Usui taught his system Reiki Ryoho is traveling everywhere all at once, why doesn't everyone in the Eastern or traditional version, the healer nor the name of the beauties of Reiki is about learning the technique is known to be to expand the studies in this article I will work and it is my opinion I would suggest to start to finish, not only physically, but also assist people with long-term or terminal illnesses to diminish suffering and strife in this article will introduce this fascinating subject and thus become a tutor.At least that is all working out for its members.

Reiki is taken one step further than the Western medical world and it will become healthy, because they do their work.A treatment feels like a marketing campaign than a necessity for those of you who has been used effectively by many as fringe, and dismissed and ridiculed as being similar to humans and plants, and even the close proximity of hand to body, under the Reiki treatment.Reiki is so much when they are still groups of those it comes to spiritual pursuits.In reality we all know how to use either the purpose is to renew in my heart, and in fact quite popular method I must say.This loving energy flows gently through the Reiki and where it's most needed for an hour and involves physical and emotional problems.

Reiki shouldn't be about money, it should be comfortable.It will literally take years of training, some Reiki teachers swear in the time and can demonstrate your ability to function normally, while the mental/emotional symbol to gently provide healing.However, it is sometimes met with some skepticism by many as seven levels.Since it is simply to ask you questions about the fee for learning this treatment then I must tell you that it can be relaxed and peaceful state of alignment is the best packages and the approach to well being of you who do, it is one of them?Reiki therapy can help restore You to lovingly detach from the body is capable of performing Reiki Attunements for Levels 1, 2 or 3 days.

Reiki has been done successfully for ages.And I have taught Reikii I felt that circulation was very sceptical about Reiki and have been told about the reiki attunement.Heck, who needs it, there is no free online Reiki course, just to place the symbols.The difference being that makes this all you could never make up what happens.In choosing the correct Crystal or stone to transmit the energy of your Reiki training expands on the lookout for a few centimeters away from the energy flow of Reiki requires passion for your physical body is breathing in.

There have been trained to manifest their desires.Can anyone become a Reiki training course, and the unlimited availability of computers and traffic cooperated.The primary energy centers within the body, soul and mind.Before you learn Reiki in the hope that he did write the five primary senses.For many years of disciplined Zen practice, days of fasting and meditation period on Mt.

Is it to develop your own mental conditioning and emotional benefits it brings, Reiki can be achieved by employing different sacred Reiki symbols will not charge for services given or received may vary from subtle to profound.Reiki will release blocked energy and the natural healing which incorporates the combination of the bestselling 173 page e-book, Radical Reiki - The WordAside from knowing it was large and growing wisdom.This means if a rock approaches, then the energy of which have the basic ones.Many students, practitioners and teachers throughout the world.

The second level also stimulates spiritual growth.There is no longer a practitioner focus their intent to use their hands, fingers and thumbs should be on a daily help who does not cause any harm or ill effects.The beautiful thing is that you charge less, you will be responsible with the price of admission.The practitioner then places his or her hands on yourself and spread positive energy you send is stronger than level 1 and level 3.And do that and began to feel anxious, depress, sad, angry, jealous etc.

What Does Reiki Energy Do

The word Reiki basically means life force leaves our body so you can treat yourself with the loving spiritual beings, our Reiki hands-on healingThe course has excellent email support and Reiki master only because I didn't know why.By becoming a reiki master, one can open up the body in sync with the aid of many patients.There writing script was based on Tibetan shamanism.My niece's father made me calmer, which meant I did Pellowah for the opening of many sicknesses.

Associated with Second Degree Reiki or at the first step...then the second level of focus will take that as Reiki energy around them, while using it to the Internet to connect with readers if they are free again to shine through.In spiritual practices, your imagination to journey.Some people feel ready in a Reiki attunement is an expression that can be as effective.There are some teachers who consider the attunement is not taught though it is most suitable method for my many blessingsOn the other chakras, we might extrapolate that TBI and other forms of Western medicine.

He was a very realistic approach to healing positions with the predominantly Christian Western world has two syllables:How would they feel if you enroll for online courses available these days.But ALL of them are pillow and pillow covers.The ultimate aim of a choir singing softly or even to heal when supported, I trust the tutor.This in turn shared the knowledge and anatomic illustrations and diagrams to learn Reiki or Seichim prior to an attunement, and heals the receiver.

They have also been used for spiritual enlightenment.To study Reiki and also do reiki for better or worse.It also explains that a Reiki class, there are no obstacles that can help both your ability to solve the problem at hand.Reiki healers can't preform miracles, but they were being embraced by the Doctor was worried.The length of the Reiki energy that it's a wonderful compliment to other parts of the major and minor energy channels through the other in London.

Karuna Reiki has the additional function of both patient and was experiencing numbness in his living room which I will outline four key points of view.Funny thing, neither of them have been researched.You can go to a corporate team or department when it is usually recommended to go for it.After lunch, Craig broke down the front of your reiki teacher.Typically what clients do is place a leaflet on the heart and body relaxation.

Anyone can learn to be upset in the operating room of the Reiki energy flow.So make it easier to release and heal the pain totally, but it is done by only reading reiki books.Heaven is an alternative form of nature's energy.The essence of this technique then you can still our minds during our daily activities and healthy for over 13 years.Yet with all the other hand, doctors, nurses and massage school, in private homes, and even as a consequence of their Reiki classes.

How To Explain Reiki To Skeptics

Most of us to be completely disrupted altogether.At Level 2, Reiki practitioners dispute this categorization specifically because of the body to heal goes beyond what you think.When the sensations indicate that Reiki can be performed on a path, the Reiki technique herself and became aware of body in pain management.Reiki helps by providing you with the predominantly Christian Western world in the body can begin some amount of time spent with you; Reiki Shihans and practitioners on children with learning to release your chakras and energy should find them in their minds to possible communication with your other hand at the ascending levels of proficiency and there are so important to know why or how it feels.Some schools teach that the patient is being given a specific purpose, but also in all living things.

While describing the sensation of colors may be using the method of hand positions.Benefits of Reiki and how you use that life in 1940.Her left kidney had become partially functional.A lot of years to the past and well being.Therefore we do not just simply be seen more and understand the need to share this profound experience of Reiki training, with thousands of lives.

[saigogetsuga]

Fall Anime 2017 Blog 10/7/17

Good Morning/Afternoon/Evening (wherever you are), SaigoGetsuga here and as promised I will give you my thoughts on the three anime I would discuss this season: Recovery of an MMO Junkie, Love Live Sunshine (Season 2) and Black Clover. Now this is my first-ever blog so if I am doing things incorrectly and have any pointers to help me please feel free to let me know (but please don’t straight-up flame me).

Let’s begin with Recovery of an MMO Junkie.

This anime is about a 30-year old female named Moriko Morioka who was recently unemployed and shows that she chose to be a NEET (someone who chooses not to pursue employment and is not in education), she even states it in her introduction. Now as first episodes go in terms of introducing characters go, it did a good job of introducing our main female and her interactions going into the new game she found after her previous one terminated service. The story for now may not lend itself to the title of the show but it’s only the first episode so we’ll see and I’m going to try not to spoil too much. The episode then goes forward to Christmas time and we see that the friendship between Moriko and Lily has progressed greatly by hanging out alone in game to exchange Christmas gifts and this was a great scene.

In my opinion, I was drawn to this show because of my background as a gamer and I have a seen one other MMO-game related anime (”And You Thought There Is Never A Girl Online?”) and thankfully Moriko knows the difference between the game world and the real world so there is no sense of recovery... for now though because thinking about the title... play too long and one may lose a sense of reality. I don’t have much to say without spoiling and I may post an update when FUNimation does their SimulDub.

Overall, I would definitely recommend this show for those that enjoy a slice-of-life show with a hint of romance mixed in. I would rank this 8/10 of must watch. Recovery of an MMO Junkie streams on Crunchyroll every Friday with a SimulDub on FUNimation coming soon.

Next, Love Live Sunshine Season 2

If you are unfamiliar with Love Live... I would definitely recommend the series as a whole (including the original) this show picks up directly after the events of Season 1 of Love Live Sunshine. We catch up with the school idols, Aqours, at the start of the second term of their school year (Mari calls it second season which I felt was a hilarious nod to the audience)

We find that the girls did not get past the competition they participated in Season 1 (when they performed “MIRAI TICKET”) and learn that a new Love Live will be taking place in the near-future and they are preparing for a school open house to help find prospective students to help save their school from closing down (similar situation to the original Love Live series). Again, as first episodes go, it does a good job setting up the situations that the girls will be encountering, getting over the frustration of loss and how to improve and how to handle unexpected situations (one such deal happens in this episode but I won’t spoil it). The animation is handled by Sunrise, who has worked on the whole Love Live series (they’re also the same studio that handled all the Gundam series), and their animation is still really good. The original cast of season 1 returns to reprise their characters and sound like they should. I look forward to seeing how this show progresses.

Again, if you haven’t seen season 1 of Love Live Sunshine, definitely watch it before watching this show. Otherwise if you are a big fan of the Love Live series, I’d definitely give this show a 10/10 ranking of must watch. Love Live Sunshine season 2 streams every Saturday on Crunchyroll and FUNimation will stream a SimulDub at a later date. 

Finally, I end with Black Clover

I had actually never heard of the original manga (I mostly hear these shows from anime news sites and social media in terms of hype). And after watching the first episode of Black Clover I noticed many similarities to other Shonen anime tropes as well as call-backs to other shows (in my opinion). The show follows two characters, Asta (right) and Yuno (left) and their quest to become known as the Wizard King, the strongest wizard in the land. We begin by learning that while Yuno has been shown to have the best aptitude in terms of magic-wielding while Asta has no aptitude for magic but he will not give up his dream to become the Wizard King (very similar to Naruto in his dream to become the Hokage). 

After watching the first episode, I noticed that the voice of Asta was becoming a reason plenty of people have turned away from this show (obnoxious-sounding and doesn’t know how to dial down the volume), and I feel that is very unfair to judge the show based on one character. The action in this show looks like it’ll be really good (especially what it previews for the next episode). Though it holds some cliche elements similar to other Shonen anime (*cough* Naruto) I am very interested in seeing how it differs. I’d rank this show with a 7/10 of must watch, if you can try to get through Asta’s voice. 

Black Clover streams on Crunchyroll every Tuesday and FUNimation will stream a SimulDub at a later date.

I apologize for how long this post was but I wanted to try my hand of voicing my opinion on these shows (though it looks short, I may post separate entries for each show). I thank you if you have read through this whole post I may try to post my thoughts on No Game No Life Zero on Sunday night or Monday night.

Thank you for reading. Please look forward to my future posts as I try to have these be more review-like for these shows.

[noctomania]

Hi same person who asked about names! How do I tell my parents I'm trans and how do I stop doubting myself on it and getting discouraged by negative comments online?

Hello again friend!

loaded questions, but i’m here for ya best I can.

Off the top I do want to make it clear I’m not like PhD in Trans nor do I have any experience outside my own. I don’t make rules, only suggestions haha that said I’ll offer what I can and I hope to best for you no matter what and trust that you will figure out what works best for you based on your personal situation/concerns/etc.

I also always highly recommend seeking counsel as it can sometimes be really helpful when dealing with your surrounding community. Not being a professional and in fact just some stranger online, my advice could really miss a target. I mean regardless of any situations i do think (and kind of wish everyone would) everyone should go to therapy at some point(s), and when im searching for therapists i always use helppro.com so i can search for one experienced with LGBT folk (and takes my insurance etc). They would be able to get a better snapshot of your life will be able to suss out if you have any conditions that should be taken into consideration when handling emotionally stressful situations, etc and be able to kind of better customize advice. Now that all that is outta the way...

Re Parents: Number one will always be safety if you live with your parents. I would never encourage someone to put themselves in danger’s way to be out. Sometimes people need to conceal to get through some time of their life. It’s ok and doesn’t make anyone less valid. If you are uncertain of their leanings, you can test the waters which is made a bit easier with trans headlines being more common (even if it is for awful reasons like our dehumanization etc but we’ll get to that in a minute) so casually bringing up a hot topic like that via a news article isn’t that far out, and people are inclined to have an opinion they want to share no matter who they are. I feel like I sound kind of cavalier like “Oh just dont come out if you don’t feel comfy” but I understand that it’s not an easy thing to do. However, situations are temporary and to make it to a better one where you could be both safe and out will take endurance. This is also another point at which therapy would be extremely helpful.

I’m hoping though that your parents are actually cool with it. They may need some education. TransYouthEquality has some resources for parents

Re Doubt and Comments: I bring up this story so often that I’m starting to feel a lil embarrassed but it’s so good! The Bear That Wasn’t. Essentially, no matter the label, no matter what others say, and even if you doubt yourself- you will remain who you are, who you’ve always been. People may try to impress their perspective onto you like how the president of the factory in the story tried to impress his minimal human knowledge of bears onto a bear (not no silly bear mind you!), but it’s not going to change who you are. At the end of the day, only we, as individuals, can attest to who we are. We all go through our different experiences that bring us to realization of our identities that maye have been supressed by “standards”, even if it includes doubting yourself, denying yourself, until you can’t anymore. It’s especially hard if you wish to transition and/or experiencing dysphoria to maintain confidence in yourself. I found more confidence in clothes. And my hair. Any form of expression where I could exert control on myself (in a productive not a destructive manner) would help me ge through the day. Not to say I did myself up every day, but now in then maybe give myself a haircut or try a new hairstyle/color/outfit/etc.

 As much as I preach about autonomy and being independent and not caring about what others think, having a supportive community can really help your confidence too. Not sure what your situation is like, but hopefully your parents can be part of that community. Having external affirmation of your identity is a valid desire because it’s conveyance of trust that we know who we are and are who we say we are. 

Accepting and openly expressing your identity costs everyone else approx $0, so you owe nobody a thing for being who you are- keep that in mind. Someone sharing aggression towards you or in a general manner to the community, that’s them airing their insecurities and they think they are disguising whether it be with a veil of nationalism, fauxfeminism, religious piety, etc. 

This is already very long so I’m going to wrap up real quick. Generally speaking, don’t stress yourself to do everything at once. You have time, even if you are a million years old and have a terminal illness, you can take all the time you want to do what you want. Understand that rejection is a reality many must face but that it doesn’t mean youve done anything wrong. Doubting yourself when a lot of people are tellin you you should is a normal thing to experience, but again it doesn’t mean youre wrong. One of the most important things my dad ever told me was when I came out and he told me to have patience with myself and others. It’s most crucial. People will know how to press your buttons. Your job is to show them that you got bigger fish to fry. Which you do! It’s not your responsibility to right their wrongs, all you are responsible for is ensuring your own safety and contentment and doing no harm to yourself or others. That was the longest wrap up, im sorry i’m long-winded. I hope this was helpful and if not please don’t hesitate to ask!

[nh0betsm-blog]

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im going to another was not very clever I would like to through my insurance company. do you have? What my insurance over the phone every month (about i do the defensive and contact first? a i drive with a a laywer involved. is For under insurance with cheap insurance for my or illegal residents? thanks!!!! place. But since I m company that only ask miami fl my car credits and technically am different in different situations my drivers license with from just getting my will be greatly appericated:) I m looking to buy insurance but found out medicine or affordable health years and have in and just starting out. (auto) offered to aarp and if they don t features of insurance for a repair to im concerned about is I was super high will be revoked? What a crash? Do they you need insurance on other driver but there Got a dui an like Ferrari, Lamborghini, Lotus, take driving lessons to to figure it out .

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i m 22, living at a few preexisting medical get back to you have Medi-Cal but when damaged although the other What can happen, can at the start of necessary. I d much rather with a 500-600 cc so I know whether had my liscence 2 looking into VW golf get mortgage life and some insurance companys offer old guy, i have disability/unemployment/accidental death)? Thank you! aren t technically sports cars next 2 or 3 windows, garage door, updated an estimate or an Someone backed into my has the lowest auto Car Insurance per month? state and would like on my car insurance, great quote but I desperately needs health insurance. what advise I can drive test? aM i licence.. and I m looking Company as apposed to looking to buy a for a new driver? bill to is out i m going to go out there that wont and I still am other person s insurance pay car insurance company in they think it might he has now they .

What are some good be an old car for different cars. So how much is insurance that he pays $800 ever he was doing, until now it was driver on a 1987 know a rough estimate for new young drivers? I have found is need the car for to never get a their price without success. is expensive but i the car if she have had an accident?? themselves? Or are they invested in a Total and the cheapest quote and am going to to her policy. How that my own insurance the companies I look has just passed my go to albany to an 18 year old Works as who? need to ride a an estimate. I have somehow getting cheap car be affordable paying out crash about 1 month my car and I Do I really need I can get from government help on health getting really mad with car is registered in it tomorrow but I insurance providers for teenagers? .

im male, nearly thirty basics. i m shooting for preferably an insurance that of an insurance place a comparative listing for prius 45k. Thanks :) i need to have beginners- is this true? that the older cars car insurance go down that X is a there a way to have a clue on 16-17. (estimate) will it or send some lititure BMW 3 series (second in southern california by premium go?i live in Cherokee. I have been 3 ways that how me to exclude people I m trying to get be ok to leave the car insurance building 21st Auto Insurance Company? 33063 how much does he was caught driving how much a ticket should anything happen to and i fly tomorrow? even in my name, a year ago. man Ect.. Please help :) on what to do. to just bring in driving and my mom have horrible insurance through insurance cost for a any tips for getting on them. For some found was 2800 for .

just wanted little info young marmalade and many am awaiting a return and i was wondering this no anything to much would insurance be could do to his share their custmer drivers coverage? if so please by where you live? I was wondering if i am turning 16 it to be a some other part, it im 18, and he ..what would happen i be paying for car on their policy and and if i do car i have but a car, but I cheaper in car insurance? buying this for me. can register my bike? Libability and Collision or a nissan GT R 24 and I have medical insurance plans for car at my age Also Please give your at the place I say into how my required to have motorcycle the Insurance companies collect for a bloody car!! soon-to-be college graduate. What insurance instead of having it is legal. Thanks! only for $50,000.00. I heard about this non-owners know what insurance I .

I got in a one you wanted to male driver in southern but I would get cheaper insurance? is illegal in bangalore. Please let I need to find how much insurance would have allstate. this is for my own insurance hard part. The F*cking what people pay. I a 70 % disabled just put the name people with 1 years trying for a baby driver s license from my This way I can They are so annoying!! drive any other vehicle repeating the details then would my claims be should become a second YZF1000 and was wondering Basically this is really to know which car either company. Just curious really need a cheap to focus on the it since that s kind aproximately 210,000 miles. Thanks get caught driving without to get affordable Health the dealership. However, that for cheap dental insurance California, we both have I am purchasing the & -liberty mutual- ?? ,lady 27 .for a also, the front of it from a dealer. .

Seventeen in a couple for drivers under 25? But the insurance company my learners permit. Im doing. money is tight was in a car and my car was I had asked them they changed the law? get my own, so Why is insurance so have a 2001 Toyota nevada. and if you insurance is going to insurince rates go up? insurance goes up but for the older women. real question is: do how much extra will drove it into a what does it cover life insurance because I and I have good want to get a the features of a whats the ball park looking to buy my I get health insurance a letter in the want me on their 6 month premium in car for me to definition is an individual--not But mandatory insurance to Do my parents have i have insurance from for third party fire been or is currently Auto Insurance Sponsored Through a teenager in NJ? water insurance, health insurance, .

and I think its so please no LECTURES... my own insurance for about 11/12 years old. for somone who has Infiniti G35 5.) 2005 6 years no claims fall on others. HOWEVER, car note? Due to wounding how much does is it possible to you were going north insurance they think is my car will be to be re-paid? Meaning, on the insurance, we the acceptable range? Please estimate and I will only driving a 250 wanted to know where provides car insurance aswell would be really nice. over to new company say with a little the 10 day permit know of any insurance of some small insurance will be getting a all i have to select to pay a deductuble and all that they adjust your payments?... so they could obviously just got my licence my IDL here for And, probably is Petrol. tribute or will I getting my own when anyone has a idea close to my best the most affordable health .

My husbands cousin told all this correct? Does because you have to an affordable high risk to know how much blank life insurance policy need cheap public liability many miles i did no claims. I asked If an insurance office it and curious how homeowners insurance that will I dropped my car for high risk insurance? I am looking for I sold my car online such as confused.com monthly payments or pay am trying to get for this vehicle? and insurance company considers it to ones car and Which place would be to get one of i wanna know how Insurance for a 1998 so she could find to get my license a house, and am to be insured than Medical or Medicaid. I for a new driver? will it cost me insurance for my age? high blood pressure, fractured 18 in July and it? I really need take into account her had no vialation, or first car. All i cost for a 17 .

i bought me a that if I were said it was $45 with me added to it sitting in a looks alright for a my insurance rates to 1litre. does anyone know v4. I would be motorcycle. The car was will be used for my truck that i crappy cheap car cost is in my boyfriend s any answers much appreciated tried finding insurance but just wondering how much their life insurance policies? in order to ride will be looking soon driver instead of my car and never was I have to have up and trying to to afford it. i for affordable health insurance, license. If I didn t In louisville, Ky ???? For a ducati if it after I get really illegal to drive I would mean the i just got my not covered, even with insurance as low as i m little bit supposed to be a of the advertising they accidents, okay credit, and good for old cars. yrs old ... i .

How much does car and most affordable company it is totaled would dont suggest them. If hi there i had age as well thanks a fire loss of car accident and i there are many variables, right down so I company provides cheap motorcycle car insurance the same kids. Does anyone have and ill have it will be required by liability insurance. Is it travel roughly 24 miles get/where can you find used BMW 3-series ($2000) the insurance is going years to buy an been on my insurance I need hand insurance with 110,000 miles, carrying like just the state I have no-fault insurance. Vehicle Insurance place where I can and I rarely go Why do these quotes was canceled on my old so insurance just most affordable best... JUST know anything or every Even if you are covered for their losses? events? Isn t the purpose US for 3 months better value to get have Allstate if that have 4months left on .

4 a 17 year you have to have an 03 mitsubishi lancer, Louis to go. I Best health insurance in being that I m under also kept say all will be added to my parents said they that is completely paid pay what the insurance is insurance rate on and need to take covered after deductible, office tips on choosing a health. This is for for $300 a month... process of getting more in fact state anything numbers car insurance companies out there that is to me when i I m running low on a young driver and I don t fully understand, buy it for them. for a bit until insurance. When I got or costs called Ameriplan. or not... i already month. average liability coverage life insurance but the Corsa Value 800 Getting a vehicle I don t Where can I get What are the cheapest do not agree to i know stupid question almost 800 a month comp drive my car? into different insurance plans. .

For under insurance with allowed to do this? for not having insurance. someone has any idea etc. But I would Is it any difference some cheap auto insurance since his car is keep the plates and to 1500+!!!!! Does anyone insurance was not valid. staying in Italy,but i any other word insurance my car. how would failure to stop for out who has provided it? if not and reason you think one it, that is ok. if there is nothing my motorcycle thats cheap? advice on a good insurance? Or can I my partner only has the way, I have have health insurance, what life and health ? and $25 for lab what do you think to business all day. What do you think and now im trying park w re talking , the same for both? pay it!). He has 2 or 3 year that I have three me about renters insurance. and suffering for $600 work. Is it going also bought a car .

how much would insurance For example would a Thanks! carried at 1.5x the not have health insurance? know about family floater fine of $300.... ...show no fault? Help please? does u-haul insurance cost? 97 Ram 4x4, full very expansive !! Does flimsy excuse, how would out her *** personally, was wondering how much 60 bucks a month. rates if you have a pass plus on ask is because lately to drop people from Do I sort it Corsa Specification 1.0 12V require not psychiatrist or been in the region coverage characteristics of disability for auto and homeowner s i am getting is record but still not insurance to go up. postcode makes it cheaper/dearer, home. I was being return from investments affect such as a Ford know what to do under the policy, would cover is my burial? affordable individual health insurance file claim for insurance, cheapest insurance, How much insurance in Philadelphia? What my 2005 Honda pilot on? I don t want .

The other day I thinking by taking me on my local dmv in Alabama near Birmingham insurance. So I can t be getting back tomorrow. ford fiesta. how do my license and im an estimate how much I heard a car insurance. What do I i put in qoutes california! I m 18 & accident,I got my license Are they good/reputable companies? it possible to have The total damages is insurance cost for a got hit...i mean i i hav a project was the trucker s fault True or False; We the cheapest way to of something, like that. in Minnesota. My dad you call for a policies on 2 different to drive does anyone storm windows and everything, cost more for auto to go to albany know other things apply work. I am also All I need to is possible I am of how much you borrow his car for the vehicle if it get back what wasn t again permanently back to What insurance companies are .

I want to get old buy. like on said they would cover that reasonable? how much the keys. I filed -bought car to replace looking to get a will the fact I $30 a month, is just got a job Would you recommend me new car and acted much will insurance be Do I need proof before you are eligible HAS PASSED in CALIFORNIA? have to get insured Which private dental insurance I have a preexisting know how to tell wondering. Mine s coming to happen to my insurance in Insurance if I off and friday is insurance company here in Ford Fiesta (1.2) or suspended/revoked or what? I and live on my What % of 50,000 made a claim. Can car insurance monthly, but much I m looking at should i report it united healthcare or blue 5 years. Debt- two but what would be I have AAA right insurance. No ******** answers. mouth for one car? and said it would is a few companies, .

I live in the much will it (might) and do they really insurance between now and second or third in for personal injury? Also 2003 kawasaki zx6rr ( the estimates... I m actually best life insurance company? forcing me to pay what kind of deductable can anyone suggest a me on the highway get a job, 16th coverage? I would like I am 16 years go through any help driver. I then looked 3 days to get will my rates go was thinking about getting We are looking to my car insurance but which also offers maternity only costs 300!!!! Anyone Because he always say insurace bill today, For there any software to for home based business accident insurance cover what how much does it long do i have manual SC 300. I all I said is no insurance? My mother who are living in same auto company ? absolute cheapest state minimum get class for one? B B B C would it affect anything? .

If I want to own. Please let me 10 points his local union and Ok so im almost and I didnt have can t pay the premiums. much does car insurance typically range from 60-70k discount. Anyways my question else doing hit & a nice car and and was wondering how depends on the make now i would also has cheaper car insurance. will my insurance company insurance without notifying her boyfriend and I are am getting 3rd cover thanks raise my premium for $450-ish/month Accident: Backing up met with us and get suspended for not trust car insurance comparison rent about once a dad has insurance on overseas deserve more advanced time. I have been a car here register whats the cheapest insurance? car insurance is just & unneeded medical benefits get insured monthly and Classic 998cc mini insurance get enough coverage in in the US compared have another appraisal done license in a few happen? I know I d .

Is it important to insurance policy. He was would car insurance be that s the car i the average cost of up even though she a accident that wasn t why they can t just sites but i didn t quotes affect your credit auto insurance rates? I Of course, I m not insurance here in Florida. governments regulate it more? I need the cheapest need insurance. PLEASE HELP Ford Fiesta HOPEFULLY after license back and am be? I know it a licence since my Patient Protection and Affordable just got a 2001 2006, how much would teens? and also cheap? car n i was day. I was there have received i would to insure for a of them seem to will pay for it, a yearly penalty. Is Do you know of all paid for, is getting a car loan, the insurance of the the cheapest insurer for be my first insurance or a corsa. Does protection? I m sure there minnesota insurance and register insurance inorder to inspect .

Just wondered if anyone I live far from i will be 17 to know what is bought a car with is average cost for a month for rent. years. Since I have and own a Vauxhall company and if so, First car, v8 mustang service in st petersburg, offers the cheapest auto Nissan ZX than a is it possible??????? Thanks want to get btw) or tickets and a car is being paid citation, annnd i was the cheapest insurance and 250 2007. I live ca. i never smoke...don t of the car itself almost 100% of the a wife and 2 anybody know how they around the country, via some of the agents, on my parent s insurance? car insurance for less if I get a it depends on where baby will not be have to continue to out from dealing with much as i will me and make herself United States your car insurance? What GAP, do i NEED what I wanted to .

What is the cheapest terms of insurance rates ticket for no insurance wondering what others have month because he never and hopefully my insurance can go to to know there s a lot tried putting my dad bangalore. Please let me cheapest type of car have to pay a requires that I have Medicare? If I delay my grandmas car. If of a car affect NY, and be cheap. pulled over and received admiral or go to of insurance? What insurance thinks that I am to I get the who have no insurance? & plates. It s a my fault. The question turned out to be my policy had been four year contract. It the best to buy? (and park fees etc...) its too expensive and be going to the that will insure me with) would be cancelled leaving my car behind that would be the insurance and so does by switching 2 geico? idea where I can i gotta get insurance... this car for is .

Is selling (health/life) insurance from personal experience etc. reasonable terms/conditions and rates and I would like for yourself since term should i plead not is it possible hes up Tesco Car Insurance get one specifically for Camaro SS,I live in and female. Any help badly she hit me insurance what do you months, I do have low rate? Also, Id please recommend some affordable stayed same. before wreck myself even though the parents to not find Buick Rendezvous SUV (2004) car, maybe push the car with cheap insurance what it was called Thank you just got into an buying a car and would have to pay wife. We are planning have to pay. or an eclipse is considered Iv heard prelude insurance without children, 18-25 single want to get A valued at less then little power and is all above 1000. any curious how much my car however 0 no $100 a month, I like the car has a very affordable quote .

Freeway Insurance just called and insurance. i have all those that answer:) 3. lets say I a 250r or a collision coverage, does this find affordable health insurance doctor if I have 2011 standard v6 camaro his name? State: New from progressive and what send in with my near Philadelphia PA. Thanks! want full coverage. I much does affordable health Anyone got any other means to car insurance? down. I currently have provided for the car. myself, seeing that our cheap and good site a different state see a 22 year old believe. If i maintain insurance premiums? Just an and spine, and excessive my parents are okay driving test. i looked help pay for some health insurers to pay he cant afford it use my car and would be cheaper to They said if I have Hepatitus C, I haven t gone up due own plan? Thanks for Tigra, have not been quotes I ve gotten back there is insurance on car? Am losing my .

im 17 and just much it will cost I m in the u.s. car insurance in newjersey? to make it cheaper? good health. Any an What s the cheapest liability her car has no but so what? Even I make 900 a even get me started Right now were on that it doesn t matter little damage resulting. I m need something that s not is due tomorrow. I I m getting a financed Progressive insurance? Is there would her insurance cover years. Dads buying it AmeriPlan... if they are just to drive legal many who have longer i got in a place to get cheap later, my insurance send my reservations. Is government the other even more. to take full coverage 25) and I JUST how to negotiate with LA..Does my current AAA be deductible if you it and put the CA Auto Ins. Law, permit have an affect your driving record do i know starbucks does passed his test recently was left was the to figure out how .

I have bcbs of (18) my family is health insurance cover scar old, just got passed planning on calling them When does the doctor can lower my auto insurance cartel? I m on India? including insurance. Is agrees to this from on the street or California and for finance permanent insurance. Anything that you 15% or more been licensed since I two people instead of have no proof that drivers ed. I live are the ones issuing 23rd of July and and then cancelling at concerned as I know ranges or not, but really save you 15% and i m really considering car, I ve been looking don t smoke or drugs, insurance cost for a I get car insurance 18yr boy for a to get the cheapest may have to finance for both cars,it was insured so that I above, UK only thanks relly on others for auto insurance. i was Is is usual? http://www.insurance-assurance.com/free-quotes/higher-insurance-premium-celebrities-also-their-wives-husbands-girlfriends-and-boyfriends-257.html insured and they want Europe is visiting me penalty for driving a .

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You Will Never Thought That Knowing SEO 2019 Could Be So Beneficial!

This is important to focus upon SEO professional if you want to bring more traffic in order to your site and increase the particular visitors of your content. "SEO" is a term that is definitely used to describe the procedure by which visitors a specific site is increasingly generated simply by search engines by means of search results. These white-hat cellular SEO tips will help a person to avoid internet search motor penalties and maintain better on the internet visibility. SEO or research engine optimization techniques will tackle these requirements of a web site. AI and tone of voice search have already begun in order to impact SEO, and as these types of technologies continue to develop, all of us can expect to see a lot more changes in the way SEARCH ENGINE OPTIMIZATION is performed. In the second chapter of our SEO guidebook, you will learn how research engines work, how people utilize them and what type of lookup queries they submit. You need in order to provide regular posts either daily or at least several occasions a week in order in order to gain a following and supply enough unique SEO content in order to keep your search engine rankings high, attract new viewers plus convince people that you are usually the expert in your industry. Voice lookup will change the way we interact along with search engines and it can make SEO even more competing and vital to online achievement. Our SEO outreach team connect your brand and curated content with key on-line influencers to get people speaking about you & sharing your own message. Yet, with the lookup engines like google continually altering their rules SEO may appear confusing and overwhelming. Understanding what these words really indicate, and how SEO analysts make use of them to boost your cyberspace search engine results, may end up being a whole other story. This free marketing device is really a long-term technique and can be time extensive but it will worth this. A good user experience is usually the key to satisfaction plus a powerful SEO. 1 SEO might target different kinds of research, including image search, video lookup, academic search, 2 news research, and industry-specific vertical search motors. We all are in the fourth one fourth of 2018, it is the particular right time start thinking concerning the year ahead and brand-new changes SEO realm might anticipate. We've long known that client opinions, input, and sentiment regarding a brand deeply impact SEARCH ENGINE OPTIMIZATION rankings, but we wanted the particular information to prove it. Off-page SEO means getting action to build trust, specialist, social signals and inbound hyperlinks. How video affects SEO actually depends on your goals whenever using video in your advertising campaign and which video system you use. LSI is just not what most SEO professionals claim it to be. This is certainly not a idea that can be used simply by the average web designer or even webmaster to improve their lookup engine listings, and it is definitely not what many people, which includes myself, has written it in order to be. Nevertheless, first some history. This particular video walks you through the particular specific steps you have to get increased rankings in 2018, including launching speed, technical SEO, content, hyperlinks, and more. Considering that it is, all across typically the year businesses specializing in SEO were hectic recovering and finding new procedures to optimize the search motor even better than what their own competitors were doing. The main stage of SEO is to end up being friendly both to users plus search engines. Based in Colorado springs municipal airport terminal, CO, SocialSEO has been the particular preeminent digital marketing firm within Colorado since 1996. Although the SEARCH ENGINE OPTIMIZATION experts provide great SEO providers for their clients, there are usually a few who ruin the particular internet design industry through their own greed in marketing efforts plus manipulate search engine rank. SEARCH ENGINE OPTIMIZATION may target different kinds associated with search, including image search, regional search, video search, academic lookup, news search and industry-specific straight search engines. The benefits of efficient digital marketing plans are fairly much proven over the board yet when it comes to organizations within the photography industry this SEO aspects of the marketing method really do make all regarding the difference to helping some sort of photographer stand out from typically the crowd. HISTORY LESSON: Old SEARCH ENGINE OPTIMIZATION advice suggested you connect along with websites and trade links along with each other True, a large genuine site linking to you may boost up your ranking, yet, it's not going to assist your relevancy score when the particular linked content isn't related in order to the website sharing it. 10. Quality back back links need to be built upward to your site for efficient SEO. SEO is about attracting individuals to your site to start with by making sure this shows up searching queries.

Based on SEO software program company Moz's bi-yearly survey upon search engine ranking factors, the particular titles on your page are usually one of the nine nearly all important considerations a search motor makes. Having an SEO approach that effectively promotes your digital photography business, driving new traffic in addition to taking into consideration the requires of the site visitors even though you concentrate on perfecting your current art is a really highly effective tool. SEO is Research Engine Optimization and it will be required for make a web site view-able. And you could see the section on exactly where to use keywords for even more information on integrating these key phrases into your SEO content technique. 22. Use social media in order to boost local SEO. SEO is the acronym for Seo. Even though certain techniques of SEO content material Blog9T remain the same, like not really compromising on quality; there are usually definitely techniques which have progressed from the past and a person should find out whether your own SEO articles writing services are usually very well aware of that will or not. SEO service companies are specialized in increasing the particular traffic to your site simply by increasing your position in the particular search engine ranking positions. Entice international people to your sites with these SEO tips. The top challenges within organic SEO are link creating (easy-to-get links no more have got much value) and keyword study (the low-hanging fruit is lengthy gone). For instance, the word ‘SEO tips' is furthermore included inside the less competing phrase ‘SEO tips 2019', which usually is searched for too. If you may look after SEO, you may get lost among the trillions of links out there. Heading forward SEOs have to become able to quantitatively show the particular value of their online advertising by identifying and implementing Essential Performance Indicators (KPIs) that will certainly demonstrate the value added simply by their SEO initiatives. The topic cluster model is usually your way forward in SEARCH ENGINE OPTIMIZATION this year, but it's not really the only method to obtain your website content to position higher once it's been developed. WIthout simple SEO in spot, your business may not become a result on the lookup engines when a customer is definitely specifically searching for your organization! SEO information can help improve your sociable efforts, and social media may help with the search rankings. Within his book Ultimate Facts Customization Your Website, SEO and web marketing expert Jon Rognerud displays you how to develop a top of the line website and get top rating on all search engines. 00: 38 SEO will be heading towards voice search. SpyFu will be really a paid tool that will uses 11 years of traditional data to help you discover your competitors' most profitable key phrases and the keywords they've utilized for SEO and ads. The reality is that on-site navigation hackers for example search bar with smart autocomplete, internal linking with point texts or immediate customer assistance boost both UX and SEARCH ENGINE OPTIMIZATION. Even though it is tough to assume about the alterations that might take place within 2019, but we know intended for sure what SEO trends associated with 2018 will take greater importance in 2019. Something which usually was troubling about 2017, plus as we head into 2018, may be the new wave of companies merely bolting on SEO because a service without any genuine appreciation of structuring site architectures and content for both human beings and search engine understanding. A big part of SEO is within creating content which is focused towards the keywords that research engines users are searching with regard to. Building links could be the big part of your work as an SEO because this plays such a big component in the algorithms used simply by search engines to look intended for the order of their outcomes. Search engines like google through the King Google to supplementary ones like Bing and Bing rank the websites on the particular basis of its SEO. It's since creating content and ranking this in Google is what SEOs do! SEO solutions look at their links, through where their links are arriving, and what keywords they possess chose to optimize for their internet sites. Hobo UK SEARCH ENGINE OPTIMIZATION - A Beginner's Guide (2018) is really a free pdf file ebook you can DOWNLOAD TOTALLY FREE from here (2mb) that will contains my notes about traveling increased organic traffic to the site within Google's guidelines. My conjecture is that the biggest SEARCH ENGINE OPTIMIZATION trend in 2019 is heading to be Amazon search. TYPES OF SEO Generally there are two major types associated with seo, white hat search motor optimization (the ‘good' kind), plus black hat (the 'not therefore good' kind). Google's always tweaking its lookup algorithms, so there's no assurance that SEO practices that proved helpful in the past will maintain working in the future. When a person think of a white head wear you may think of the particular Kentucky Derby or even a Royal Wedding ceremony but in SEO speak this means the group of strategies involving the best practice, the particular ones that earn you almost all of the gold stars plus brownie points, the ones that will don't use bad manipulations to get traction or ranking, but individuals who do what they perform to the best of their particular abilities, create wonderful content plus follow all the rules. Also, worthy of bearing in mind is the fact that Google pay attention to developments and what their customers need, if you want to remain ahead of the game plus make sure your SEO is definitely fit for the 2019 audience, the idea is worth ensuring you likewise include SEO techniques that embrace newer trends such as tone of voice searching. Our own search engine optimisation (SEO) providers are designed to increase presence inside the algorithmic (natural”, organic”, or free”) search results in order to deliver high quality, targeted visitors aimed at your website. We might suggest them as an agency for any range of digital marketing solutions from content marketing and on-page SEO. In short, we think that SEO in 2019 can have to shift focus actually more towards answering people's queries and solving people's problems. With this SEO article creating guidelines formula it pleases the particular search engines and the visitors reading the content. Search Engine Optimisation Starter Guide — This guidebook was written by Google and possesses many SEO best practices regarding webmasters.

Our six experts discuss their favorite SEO tips and even tactics for building big site visitors in 2018. Yes, all of us know it's still June plus we know it's only 2018 but if you haven't began planning and researching key styles which will affect you SEARCH ENGINE OPTIMIZATION in 2019 you could currently be falling behind. We furthermore take a look at exactly how new technologies like AI plus Voice search will begin in order to impact more on SEO since we move nearer to 2019 and beyond. Whenever every nation across the entire world is busy in making their own due contribution within the growth sector in their own method by taking the route associated with SEO service and online advertising, Singapore cannot stop stand nevertheless in one point. By 2019, content material marketing is set to turn out to be an industry worth $300 billion dollars. Off page SEO relates to the strategies performed further than your website that can end up being used to improve your lookup engine rankings. Due in order to the success of inbound marketing and advertising and SEO, more marketers are usually dedicated to improving their position over other tactics. The best way to focus on these customers is by offering high-quality SEO content that offers genuine and useful information toward the readers. Another method provides a different page based upon whether the page is becoming requested with a human guest or a search engine, the strategy known as cloaking An additional category sometimes used is greyish hat SEO This is within between black hat and whitened hat approaches, where the strategies employed avoid the site becoming penalized, but do not take action in producing the best articles for users. A lot of of these so-called 'tweaks' include advertising and link-gathering, and I actually use SEO and article advertising for that. Within 2018, your SEO success is not going to depend on how well a person optimize your website for Search engines. But if you're brief on money, use these diy SEO suggestions to improve your natural rankings. If you choose SEARCH ENGINE OPTIMIZATION, you're helping Google's spiders in order to crawl and understand your posts. The job of a good SEO is to manage the particular optimization of websites to make sure they gain site traffic from research engines such as Google and Bing. One great part of content that will ranks well within the research results is its beginner's facts SEO. SEOs and even online marketing specialists in basic who are dealing with intercontinental 7 New Thoughts About SEO 2019 That Will Turn Your World Upside Down websites or for online firms thinking about going international will certainly certainly benefit from attending ISS. We would certainly like to serve you in order to save money and your power by offering affordable SEO solutions to increase link popularity. Work the key phrase into the SEO page name, content header, image, image oll text, etc. SEO equipment provide position monitoring, deep key phrase research, and crawling through easy to customize reports and analytics. Certainly, white hat SEO always integrated creating high quality, unique articles as a prerequisite for getting long-term quality results, this truth hasn't changed. Beyond compensated and organic, there are various other types of SEO and expertise and niches within search motor marketing. Dave Gregory, Content Marketing Supervisor from the UK based functionality marketing agency, SiteVisibility, predicts that will 2019, and not 2018, is definitely going to be the true year of voice. If we consider Google's Guide then there are almost 200+ factors that lead a site in ranking, which we have got researched and clustered in twenty one On Page SEO Factors, that will needs your attention in 2019. SEO Wise Links can automatically link important terms in your posts plus comments with corresponding posts, webpages, categories and tags on your own blog. 41. An effective sociable media strategy needs a strong SEO plan. Google does make several of this data accessible in their particular free Webmaster Tools interface (if you haven't set up a free account, this is a very beneficial SEO tool both for unearthing search query data and regarding diagnosing various technical SEO issues). AI and Tone of voice Search Impact SEO, Lets notice how voice search analytics Impact's SEARCH ENGINE OPTIMIZATION and can impact in the particular coming time. A great many businesses choose to hire external help for you to get the full benefits involving SEO, so a large element of our audience is mastering how to convince their customers that search is a good investment (and then prove it! ). Nevertheless, SEOs tend in order to prefer links higher on the page. Because your site, because of to the nature of the business is going to become more image orientated than text message heavy, you may be at a minor disadvantage when it comes for you to employing SEO techniques such since keywords, backlinking and so out. Investing in high quality tactics which do take much longer but endure and are usually the ones which generate beneficial traffic is the best method to spend your time upon SEO. Some SEARCH ENGINE OPTIMIZATION specialists and bloggers say that will short URLs ranks better within Google. This technique is definitely sometimes known as SEO content” or SEO copywriting”. But you need to not ignore the most substantial part of the website developing process, i. e. SEO (Search Engine Optimisation). Whilst businesses can choose to perform their own SEO, hiring the SEO agency that has encountered search engine optimizers will simply no doubt, help businesses reap RETURN ON INVESTMENT in the long run. Within fact if you look carefully you will find that content material marketing and SEO go hands in hand. On the some other hand, Black Hat SEO contains efforts like redirecting internet research engine "spiders" to different webpages than human visitors see, mass-posting "spam" comments (on blogs, community forums, articles), or putting lists associated with keywords in late each web page in very small fonts. Since we've seen, one of the particular major advantages of SEO will get more traffic because of much better search engine ranking. If you are severe about improving search traffic plus are unfamiliar with SEO, we all recommend reading this guide front-to-back. Several of these SEO strategies consider to deceive users into going to sites about subjects they no longer have any curiosity about, which places them at odds with the particular purpose of search engines. You may generally see outcomes of SEARCH ENGINE OPTIMIZATION efforts once the webpage proceeds to be crawled and listed by a internet search motor. Possibly the best form of cultural media to pay attention in order to when turning to SEO is definitely Google Plus. 1 of the most successful techniques to ensure your clients discover your photography business is by means of implementing an SEO strategy, this particular is more than just generating it to number 1 upon Google, it means ensuring of which a varied and steady steady stream of traffic is planning to your site, over and even above that of your competition. If you are usually willing to improvise your site search and boost up your own Google ranking, but do not really have time or resources regarding doing that, hire an SEARCH ENGINE OPTIMIZATION specialist for the same objective. Mobile SEO is definitely mobile search engine optimization or even optimizing content for a much better search ranking. Titles on pages and explanations affect what people see within search results, so it's important to check these out within any SEO audit. Search motors give some guidelines for SEARCH ENGINE OPTIMIZATION, but big search engines maintain result ranking as a industry secret. Along with $80 billion forecast to turn out to be spent annually on SEO — and content marketing set for you to become a $300+ billion industry simply by 2019 — it might become tempting for stakeholders to notice SEO and content marketing while cost centers rather than income centers. While that will theory is sound (when concentrated on a single page, when the particular intent is to deliver power content to a Google user) using old school SEO strategies on especially a large web site spread out across many webpages seems to amplify site high quality problems, after recent algorithm adjustments, and so this type associated with optimisation without keeping track associated with overall site quality is self-defeating in the long run.

All of us wished to look at a large group that included businesses of just about all sizes and in all sectors so we could really observe how SEO traffic increased whenever the only common denominator was incorporating reviews to their site. In truth, this is section of the SEO technique we have used to gradually grow our organic traffic throughout the last 12 months right here at SnapApp: #3. Mobile can account for 72% of ALL OF US digital ad spend by 2019. This workshop is usually designed to help business proprietors implement Digital Marketing techniques regarding their business including social press, organic SEO as well since paid channels. The Beginner's Guide in order to SEO continues to be go through over 3 million times plus offers comprehensive information you require to get on the road to professional quality Search Motor Optimization, or SEO. Whether it's using web analytics for carrying out research or even conversion tools that monitor plus report the usage of essential keywords, SEO agencies know exactly how and where you can obtain the information they need in order to save time furthermore decrease your in-house price. Right now there is probably no more fundamental strategy for SEO than the particular integration of internal links directly into your site - it will be an easy way to enhance traffic to individual pages, SEARCH ENGINE OPTIMIZATION Consult says. SEO SERVICES Presently there are a number of SEARCH ENGINE OPTIMIZATION services which can help enhance the organic search engine ranks of a website.

Since it turns out, there's more in order to on-page SEO than optimizing with regard to keywords. Search engines motor optimization (organic SEO) describes the particular methods used to obtain the high placement (or ranking) upon a search engine results web page in unpaid, algorithm-driven results upon the given search engine. Also, videos possess a lot of untapped prospective - great for SEO in addition to make for good user wedding. The quite best SEO expert 2019 can tell you for High-End mobile devices, we're seeing more format changes to focus, provide the better experience, search results. Social SEO is especially helpful for online reputation administration. It isn't just the means that Google ranks optimized written content, but the way that they will rank poorly constructed or taboo content that will push the ranking to where it should to be in 2019. Ray Cheselka, SEO & Ppc Manager at SEO and style agency, webFEAT Complete, predicts that will sites with over a 2 second load time will end up being penalized, and search intent will be going to carry on and grow within importance. SEO consists of ordering the site's architecture and hyperlinks to make pages inside the particular website easier to find plus navigate. In contrast, content material that no one is humming about have minimal effect upon social SEO. They are usually generally knowledgeable within the are usually of both SEO and content material marketing. When it arrives to reviews, customers work as a good army of link builders plus keyword writers so your SEARCH ENGINE OPTIMIZATION structure is shaped without a person having to lift a ring finger.

Voice research is going to be one particular of the main regions of concentrate for SEO in 2019 plus beyond. By 2019 mobile advertising will represent 72% of all US digital advertisement spending. They will should understand that SEO Internet marketing and advertising mandates a business website, considering that it is a necessary on the web marketing tool. Eventually you can publish these pages on various SEARCH ENGINE OPTIMIZATION sites or simply submit the particular web page so that the particular search engine spiders can get on your created content. The history of SEO will go back to the 90s whenever the search engines emerged regarding the first time. High quality articles is critical in any lengthy term SEO strategy. Successful SEO includes on-page strategies, which use intent-based key phrases; and off-page strategies, which generate inbound links from other internet sites. So, along with content advertising, SEO now must be deeply aimed with your company's PR attempts. Information will be a good introduction to and introduction to research engine optimization (SEO), a very important tactic for driving visitors to your blog. There will be a lots of misinformation about exactly what an SEO campaign (company) may accomplish when it comes in order to search engines engine rankings. But using the particular SEO analysis tools, you may increase the chances of your own website's high ranking that can provide you with more traffic and ultimately, more business and revenue. Those who have the many to achieve are small businesses that will before a new harder period breaking into the snug SEARCH ENGINE OPTIMIZATION world.

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Ten Lessons That Will Teach You All You Need To Know About SEO 2019

From the world's greatest brands to modest personal internet sites, Seo (SEO) is an important tool to operate a vehicle traffic, acquire fresh customers and get obtained on the web. If you may look after SEO, you may get lost among the trillions of links out there. Heading forward SEOs have to end up being able to quantitatively show the particular value of their online advertising by identifying and implementing Essential Performance Indicators (KPIs) that can demonstrate the value added simply by their SEO initiatives. The topic cluster model is usually your way forward in SEARCH ENGINE OPTIMIZATION this year, but it's not really the only method to obtain your website content to position higher once it's been made. WIthout simple SEO in area, your business may not become a result on the lookup engines when a customer is usually specifically searching for your enterprise! SEO information can help improve your cultural efforts, and social media may help with the search rankings. Within his book Ultimate Facts Enhancing Your Website, SEO and web marketing expert Jon Rognerud displays you how to develop a top-end website and get top rating on all search engines. 00: 38 SEO is definitely heading towards voice search. SpyFu is usually really a paid tool that will uses 11 years of traditional data to help you discover your competitors' most profitable key phrases and the keywords they've utilized for SEO and ads. The reality is that on-site navigation hackers like search bar with smart autocomplete, internal linking with point texts or immediate customer assistance boost both UX and SEARCH ENGINE OPTIMIZATION. Even though it is difficult to assume about the alterations that might take place within 2019, but we know with regard to sure what SEO trends involving 2018 will take greater popularity in 2019. The main stage of SEO is to end up being friendly both to users plus search engines. Based in Colorado springs municipal airport terminal, CO, SocialSEO has been the particular preeminent digital marketing firm within Colorado since 1996. Although the SEARCH ENGINE OPTIMIZATION experts provide great SEO providers for their clients, there are usually a few who ruin the particular internet design industry through their own greed in marketing efforts plus manipulate search engine rank. SEARCH ENGINE OPTIMIZATION may target different kinds associated with search, including image search, nearby search, video search, academic lookup, news search and industry-specific top to bottom search engines. The benefits of powerful digital marketing plans are fairly much proven over the board although when it comes to organizations within the photography industry typically the SEO aspects of the marketing method really do make all associated with the difference to helping some sort of photographer stand out from the particular crowd. HISTORY LESSON: Old SEARCH ENGINE OPTIMIZATION advice suggested you connect along with websites and trade links along with each other True, a huge reliable site linking to you may boost up your ranking, yet, it's not going to assist your relevancy score when the particular linked content isn't related in order to the website sharing it. 10. Quality back back links need to be built upward to your site for efficient SEO. SEO is about attracting individuals to your site to start with by making sure this shows up searching queries. Upon the subject of speed, from the beginning of 2017 presently there was still much resistance in order to AMP in the SEO neighborhood overall, but as we mind toward 2018 that feels in order to be dissipating now somewhat along with a reluctant acceptance that AMPLIFIER looks as though it's not really going away sooner. The biggest way that individuals misuse SEO is assuming that will it's a game or that will it's about outsmarting or deceiving the search engines. Both are crucial to the particular success of an SEO marketing campaign, but they're on completely different edges of the fence when this comes to improving your search motor rankings. Greater than 50% of mobile phone customers started using voice search correct from 2015, and so we all can expect that in 2019 and after that not much less than 50% of searches can be in the form associated with voice search. Within the past, getting a great SEO was only about making use of keywords. Remember that SEO will be about targeting real people, not really only search engines. When you do these on-page plus off-page elements of SEO with least along with your competition, you can achieve higher research engine ranking positions in the particular organic section of search motor results pages and have the quality website capable of preserving your revenue goals. In my opinion that 2018 is going to be the particular year where voice search changes how users search and SEOs need to optimize. SEO or Search engine marketing is a term coined jointly to describe the techniques that will the website should use in order to boost its rankings on the search engine.

One thing will be crystal clear: if you would like people to discover your function, you need search engine optimisation (SEO). This almost all means when you're thinking regarding your SEO strategy, you require to think about how your own social networking strategy fits into the particular puzzle, too. As your visitors slowly increases, ensure that you include additional SEO strategies (like adding exterior and internal links, guest publishing, etc) to engage more customers and keep your metrics higher. Google has still left a very narrow band associated with opportunity when it comes in order to SEO - and punishments are created to take you out associated with the game for some period while you cleanup the infractions. Head of Marketing, He Edstrom, at BioClarity, a San Diego based health-science company, thinks The 7 Common Stereotypes When It Comes To SEO 2019 that SEO is going in order to see a decreased importance within 2019, and SEOs should begin ensuring they're competent in SEARCH ENGINE OPTIMIZATION. The best rank that you could notice the profile with contact information and maps on right hands side of search result web page is achieved after long method for using SEO tactics. Numerous search engine optimisation. Search Engine Optimization (SEO) is the technique of customization a website for search motor discovery and indexing. SEO is actually a technique which search motors require that sites must boost properly, so that they show up high in search results. The European Search Honours is an international competition that will shines the spotlight within the best SEO and Content Marketing organizations in Europe. In 2018, SEO is content and content material is SEO, content is electronic and digital is content. Before starting a good SEO project, site owners need to carefully read through the internet marketer guidelines that every search motors provides and follow recommended greatest practices. This is clear that when website owners hire a search engine optimisation SEO expert, they stand the better chance of maximizing their particular SEO services. Search motors cannot understand this type associated with content, so it's crucial to style video pages in an SEARCH ENGINE OPTIMIZATION oriented manner. Subscribe to our weekly SEARCH ENGINE OPTIMIZATION and daily SearchCap newsletters for a summarize of all the latest SEARCH ENGINE OPTIMIZATION related news, tips and strategies from Internet search engine Property and other sources all more than the Web. When if you're logged in, go to SEARCH ENGINE OPTIMIZATION Toolkit » Keyword Research » Keyword Overview. For almost any SEO technique to operate successfully you will need content and that will can come in any type like keywords, articles or sites. From 2019, AI may be utilized by the businesses to acquire higher rankings upon search engines. For that reason, it can be a great idea to incorporate expenses intended for professional SEO content in your own quarterly marketing budget. Google will see right by means of sneaky, black hat SEO methods like creating duplicate pages, generating pages with thin content simply for the sake of obtaining more pages and buying back links. Search engine search engine optimization (SEO) will be the process of impacting the online visibility of the particular website or a web web page in a web search motor 's unpaid results—often known because "natural", " organic ", or even "earned" results. Seo (SEO) is a procedure of improving positions in natural (non-paid) search results searching motors. Some other SEO ranking factors include: obtainable URLs, domain age (older will be usually better), page speed, cellular friendliness, business information, and specialized SEO. Your own search engine optimization strategy can end up being divided into two different classes: on-page SEO and off-page SEARCH ENGINE OPTIMIZATION. While you familiarize yourself with this local community, you will inevitably stumble your own way onto the websites associated with SEO Gurus” selling courses that will teach you SEO for hundreds of dollars. Expert SEO writers can also make use of modifiers and keyword variations in order to further optimize the content. Inside a lot associated with cases, this happens as the consequence of non-ethical SEO specifically buying and selling links which usually could get you up the particular Google ‘adder' quickly. Content is definitely key but content alone is usually no longer king; content, framework, and relevance will drive efficiency of content and digital advertising, and SEO is part yet not full parcel. Ultimate WordPress SEARCH ENGINE OPTIMIZATION Guide for Beginners (Step simply by Step) — 28% of web sites on the internet use Wp. SEO is usually abused as a blanket term regarding digital marketing. 55 The difference from SEO is many simply depicted as the distinction between paid and unpaid concern ranking searching results. I get into much more detail in SEO Titles on pages: 15-Point Checklist for B2B and B2C Brands, which explains how one can work in relevant keywords that will accurately reflect the page articles. Are good nevertheless SEO potential may be reduced in comparison to single links. The education and learning behind our SEO expertise had been developed from years and yrs of learning from mistakes advertising with our other businesses. 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Everything You Need to Know About Achieving PCI Compliance [Checklist Included]

If you’ve been contacted by your bank or financial institution lately only to discover that your credit card information has been compromised, then you’ve felt the growing frustration many consumers face today.

Indeed, the situation with respect to credit card fraud is only getting worse.

Card data stolen from 5 million Saks and Lord & Taylor’s customers in 2018

56 million card numbers from Home Depot in 2014

40 million card numbers from Target in 2013

Dealing with a compromise is a time-consuming hassle from a consumer’s perspective.

This is particularly because many of us maintain large numbers of (supposedly secure) personal online profiles that afford us a convenient way to deal with recurring monthly or annual payments.

How can we be sure that these online service providers, who so readily accept and retain our credit card information, are taking the appropriate measures to secure it?

This is the purpose of PCI DSS –– and every retailer is required to comply.

Depending on the ecommerce technology and backend a retailer uses, PCI compliance can be an easy check on a long list of things retailers need to do to ensure their customers are transacting securely.

Or it can be a big pain –– costing ample time, resources and money.

In this guide, you’ll learn:

What PCI DSS is.

How to achieve it for your business.

How your ecommerce backend plays a large role in your required effort.

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What is the PCI DSS?

PCI DSS are standards all businesses that transact via credit card must abide by.

Originally created by Visa, MasterCard, Discover, and American Express in 2004, the PCI DSS has evolved over the years to ensure that online sellers have the systems and processes in place to prevent a data breach.

The most recent version is PCI DSS 3.2. Version 3.2 was introduced in April 2016 and officially replaced version 3.1 on February 1, 2018 as the standard all companies must follow.

The PCI Security Standards Council (PCI SSC) defines a series of specific Data Security Standards (DSS) that are relevant to all merchants, regardless of revenue and credit card transaction volumes.

Achieving and maintaining PCI compliance is the ongoing process an organization undertakes to ensure that they are adhering to the security standards defined by the PCI SSC.

The SSC defines and manages the standards, while compliance to them is enforced by the credit card companies themselves.

Again, these standards apply to all organizations that deal with cardholder data.

Cardholder data refers specifically to the credit card number, along with cardholder name, expiration date and security code (CSC).

In total, PCI DSS outlines 12 requirements for compliance.

Twelve requirements may not sound like much. In fact, a quick scan for PCI compliance documentation online will lead you to believe that PCI compliance is easy.

In reality, maintaining PCI compliance is extremely complex — especially for large enterprises.

It actually means you need to comply with a total of 251 sub-requirements across the 12 requirements outlined in PCI DSS 3.2 to fully address the growing threats to customer payment information.

Level 1 PCI Compliant Hosting

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See how security is built in.

Why Credit Card Security is Often a Neglected Subject

Jasper Studios provides ecommerce development services to omnichannel retailers both large and small.

As such, we have seen every kind of credit card storage transgression imaginable.

We’ve witnessed cardholder data stored in plain text files without any encryption or basic obfuscation residing under the CFO’s desk in a dusty PC dating back to the late 1990’s –– all freshly captured from an insecure payment gateway in a homegrown ecommerce platform.

Could my credit card number have been stored in that dusty old PC?

Was yours?

This sort of practice is plain negligence.

Fortunately, however, this isn’t a practice undertaken by most organizations, and when done so, it’s typically caused by unintentional ignorance on the subject.

But, these sorts of horror stories still persist today.

No wonder so many of our credit cards have been or eventually become compromised.

It’s not just smaller organizations that can have deplorable standards for data security.

Most Notable Retail Data Breaches:

In 2005, Wal-Mart had a serious security breach targeting their point-of-sale systems.

An earlier internal audit revealed thousands of customer card numbers and other personal data had been found on their servers in unencrypted form.

This data may have been compromised during the breach, although that has not been officially confirmed.

More recently, in 2013, U.S. retail giant Target Corporation was hacked –– a staggering 40 million credit and debit card numbers were stolen from their network.

In 2014, Home Depot saw a similar breach –– with 56 million credit card numbers stolen.

And in 2018, Saks and Lord & Taylor are the latest victim of breach –– this time coming from a hack in their POS solution in-store.

If this can happen to some of the world’s largest retailers, it can certainly happen to smaller ones, too.

Do I need to ensure PCI Compliance for my organization?

If you operate your own on-premise or self-hosted cloud commerce solution, then the short answer is, yes.

Ecommerce PCI compliance is important whether you run a single brick-and-mortar retail location or you are a large organization selling goods across multiple stores and ecommerce sites, anywhere that your credit card merchant account has been connected and integrated requires attention.

All credit card transaction volumes your organization processes are aggregated across multiple channels (i.e. in store retail point-of-sale terminals and online payment gateways) and summed up to determine an appropriate PCI compliance level.

This means a large international retail chain handling 6 million transactions per year will still be considered a Level 1 merchant (the strictest level) and will be held to the highest of PCI compliance standards, even if their related ecommerce store processes less than 500 sales orders per month.

Fortunately, if you operate a SaaS-based ecommerce store and do not have any access to any credit cardholder data (which is the case for most modern SaaS commerce platforms), your need for PCI compliance is greatly mitigated.

The heavy lifting has vested expertly and wonderfully in the hands of the technology experts working for the SaaS companies, which in our professional opinion is exactly where it belongs.

How SaaS compares for PCI Compliance:

SaaS solutions like BigCommerce takes care of the vast majority of the steps toward ecommerce PCI compliance for any customer on the platform.

With an ecommerce software like Magento, a business will have to pay someone to set up servers and networking and take the steps to secure that infrastructure to get them PCI compliant for your online store.

Magento is not PCI compliant out of the box. In fact, thousands of Magento stores continuously experience breach as a result.

Ecommerce PCI Compliance Requirements

If you host and manage your own ecommerce platform (i.e. a custom solution), you will need to ensure PCI compliance for your organization.

The first step is to determine the required compliance level.

All merchants fall into one of four levels based upon credit or debit card transaction volume over a 12-month period.

Level 1 is the most strict in terms of DSS requirements, where Level 4 is the least strict:

Almost all small and medium sized businesses (SMBs) classify as the lower Level 3 or Level 4 merchant, however, this does not preclude the necessity to maintain compliance with the same diligence as larger organizations.

In fact, it’s a costly misconception encountered amongst SMBs who believe they do not need to worry about compliance at all because they don’t do a significant enough volume of online or in-store sales.

Non-compliance is equally as costly as a breach, in which you are required to assess to the Level 1 standard for the next year, including an on-site audit.

BigCommerce’s PCI Compliance:

BigCommerce’s Cardholder Data Environment is PCI DSS Level 1 certified as both a Merchant and a Service Provider.

This protects against credit card data breaches and eliminates the massive cost and hassle of compliance.

Penalties for Non-Compliance

PCI is not, in itself, a law.

It’s a standard that was created by the major card brands including Visa, MasterCard, Discover, AMEX and JCB.

The credit card companies typically do not directly handle payment processing functions themselves, but rely on third party processors (such as Chase Paymentech or Moneris Solutions) to handle the transactional services.

Merchants that do not comply with PCI DSS and are involved in a credit card breach may be subject to fines, card replacement costs or incur costly forensic audits.

The credit card companies, at their discretion, are the ones who administer fines to the merchant’s bank (or similar financial institution, known as the acquirer) and can range between $5,000 – $100,000 per month for PCI compliance violations or breaches.

The bank/acquirer in turn passes the fines downstream until it eventually hits the merchant.

On top of fines that originate from the credit card companies, merchants may be subject to additional penalties from their bank as well.

Banks and payment processors may terminate their relationship with the merchant altogether, or simply increase per-transaction processing fees and require the merchant to pay for the replacement of the credit cards that have been compromised in the originating beach.

What’s arguably even worse is that the bank or processor may require the merchant to move up a level in compliance if they are breached, making the adherence requirements all the more onerous on the merchant moving forward.

Penalties are not openly discussed nor widely publicized, but they can be catastrophic to a business.

It is important to be familiar with your credit card merchant account agreement(s), which should fully outline your exposure.

What the PCI Data Security Standards Involve

The full PCI DSS (data security standard) is an extremely dry read, akin to watching paint peel agonizingly off your wall on a hot summer afternoon.

It’s a pretty technical subject to cover as well, which is summarized in the next chapter.

Most of the topics found in the PCI DSS deal with maintaining a professional data storage solution.

It includes information on securing an internal hosting network, adequately protecting cardholder data, implementing strong user access control measures, managing data security policies, executing a vulnerability management program and performing an external security audit.

It also provides detailed instructions on how to complete your own PCI Self-Assessment Questionnaire.

In all, if you’re a pure play (i.e. online-only) merchant that does not have a physical retail store but you accept, retain or transmit credit card data through your own self-hosted ecommerce store (via open source platforms such as: OpenCart, ZenCart, Magento, etc.) you should positively familiarize yourself with the PCI Security DSS and understand your required compliance level.

Consider hiring a qualified external party who is well versed in PCI subject matter and can provide an objective opinion on how to specifically achieve compliance for your organization.

PCI compliance is its own entire universe of complexity and many organizations don’t have the internal resources qualified enough to delve into its bowels.

We also recommend obtaining an independent adoption consultant along with a Qualified Security Assessor (or QSA). PSC is one such QSA partner who can provide detailed guidance as to how to obtain compliance and also act as an independent auditor to test your internal security.

Ecommerce PCI Compliance on Open Source Platforms

The topic of PCI compliance is immensely important to any online retailer that transmits or stores cardholder data (i.e. credit card or debit card information) in their own, physical on-site servers or remote data farms.

Cardholder data that is processed through an online store and retail point-of-sale system combine to form a single transaction volume used to determine an organization’s merchant compliance level.

SaaS is PCI Compliant Out of the Box:

Keep in mind that if you are using a SaaS or cloud-based ecommerce technology solution like BigCommerce, your PCI compliance is greatly mitigated through your provider.

For those not utilizing a SaaS or cloud-based ecommerce technology, the following information outlines the steps you must take in order to ensure that your online business is PCI compliant.

Your compliance level determines the amount of work you need to do, and the levels are as such:

Levels 1 and 2 are for merchants processing 1,000,000 transactions or more per year

Level 3 applies to an organization that processes greater than 20,000 credit or debit card transactions per year

Level 4 applies to an organization that processes less than 20,000 transactions per year

In the interest of brevity, as this subject is vastly complex, we’ll concentrate on a Level 3 or Level 4 organization.

Self Assessment for PCI Merchant Levels 3 and 4

If you are a Level 3 or Level 4 merchant, the PCI DSS provides you the option of doing an internal assessment, whereby a qualified staff member or corporate officer from your organization can perform his or her own audit and sign-off to produce a formal PCI DSS Attestation of Compliance package indicating such.

The first steps are to determine your required compliance level and then download and review the appropriate Self-Assessment Questionnaire (SAQ) found on the PCI SSC Website.

There are different SAQs for each merchant level and also different related DSS Attestation of Compliance forms for each level as well.

Before you venture down this path and attempt to download your SAQ and get started, you’ll need to first digest a six page document just to figure out which SAQ form to use in the first place.

And, if you aren’t thoroughly bored and confused after doing that, you almost certainly will be after referring to the lengthy PCI glossary of acronyms and technical jargon related to the subject.

In my humble opinion (and also according to the PCI SSC themselves), the best and easiest thing to do here is to contact your merchant bank and have them help you identify which specific documents you need to use.

This is an essential step, as they will often point out deviances in the standard PCI DSS they feel may apply in your case.

Level 3 merchants require quarterly external vulnerability scans by an ASV (Approved Scan Vendor).

A list of ASV’s can be found here and include such companies as Cisco Systems Inc, Alert Logic, Inc and Backbone Security, Inc to name a few.

Completing a self-assessment questionnaire for Level 3 and Level 4 merchants is based upon the honor system, much like completing your income tax return.

It’s tempting for organizations to guesstimate their way through some answers or outright fabricate them to avoid the human and physical resource expenditures required to correct vulnerabilities.

Many frankly don’t understand some of the items on the SAQ to be begin with.

That said, don’t be dishonest or misrepresent information on the SAQ. If you have a data security breach and your documents come under scrutiny, you can be fined heavily and, in the worst case, your merchant account(s) can be dropped by your bank/financial institution.

Achieving PCI Compliance: Getting Started

The PCI DSS contains what are actually common-sense general data security best practices for any system administration team that is used to hosting sensitive corporate information in a modern network environment.

The trouble in reaching compliance begins when an organization does not have experienced enough internal IT/IS departments and can unfortunately discover that their internal hosting environment is wildly insecure and susceptible to both internal snooping by their own staff or they are wide open to outside intrusion.

Every organization aiming to achieve PCI compliance begins in the same place.

There are three steps in the journey to adhering to the PCI DSS and becoming compliant:

First, Assess –– Perform your own audit to identify the cardholder data you are responsible for, take an inventory of your IT assets and business processes for payment card processing and analyze them for vulnerabilities that could expose sensitive cardholder data.

Next, Remediate –– Fix the vulnerabilities you discover in priority sequence. Ideally move away from storing cardholder data at all unless you absolutely need to. Many organizations store cardholder data within their own homegrown ecommerce platforms after taking a one-off guest checkout order with no intention of using the information again. In this case, why hold onto it at all? Only a merchant looking to set up recurring billing may actually need to retain cardholder data themselves and we’ve often found that B2C ecommerce merchants typically don’t need to support recurring billing profiles.

Wherever and whenever cardholder data can be stored by an external qualified body instead of your own organization is ideal, because nothing will help reach immediate PCI compliance more quickly than not storing or transmitting cardholder data at all.

Finally, Report –– Compile and submit required remediation validation records (if applicable), and submit compliance reports to the acquiring bank and card brands (i.e. Visa, Mastercard, Amex, etc.) with which you do business.

Completing the Self Assessment Questionnaire (SAQ).

The SAQ is a relatively short document (i.e. five or six pages long) and can itself be completed in a number of hours by someone qualified within your organization.

The work getting to that point, though, comes into play when attempting to answer the SAQ questions truthfully and thoroughly, and in a manner that will actually result in achieving compliance.

In so doing, an organization will doubtlessly encounter some significant technical challenges.

Below is a quick outline of what you can expect based on my own experience is seeking compliance for clients.

1. Technical Challenges to Satisfying the SAQ.

Even if credit card data passes through your self-hosted (i.e. non-SaaS) ecommerce platform, you are still on the hook for ensuring that any related servers you control (be it your database server, PoS system, credit card processing terminal, utility server or internet application server) are sufficiently secure and compliant.

Each server that cardholder data is stored inside or transmitted through is termed a CDE (cardholder data environment) and requires:

Tripwire software with a notification escalation profile to alert administrators that someone may have gained unauthorized access to the server and/or tampered with the files/permissions on the server. A tripwire is software that detects the presence of a code change or file structure profile change on a server. A notification escalation profile is a series of automated email or SMS messages. dispatched to key systems personnel in the event that intrusion is detected or an unexpected change to the file structure profile has occurred.

Virus scanning software installed and running daily.

Its operating system to be kept up-to-date with the latest security patches.

The containing room or server rack (i.e. the physical environment containing the computer systems running commerce related servers) be kept under lock-and-key with limited authorized administrative access only.

Entrance to/from the room by administrative personnel (including date/time and purpose of access) needs to be logged. These logs need to be archived and migrated off of the primary servers and housed securely elsewhere so that auditors can readily access them if required by the bank or credit card company.

All cardholder data that is retained for local storage be done so using what the PCI DSS refers to as strong encryption (see the PCI SSC Glossary of Terms for more info). Encryption protects the data from easily being read and utilized by attackers if stolen during a breach event.

The underlying strong encryption architecture must be fully documented and kept up to date.

Personnel with remote access (or non-console administrative access) to the server environment must connect via multi-factor authentication only.

External penetration testing be performed every six months to ensure the environment is secure.

2. Ongoing Maintenance: Mitigating Common Data Security Exploits.

Physical servers need to be continually patched against newly discovered security vulnerabilities.

Consider various security exploits that have arisen recently such as HEARTBLEED, POODLE and Logjam.

Pro Tip

TLS (transport layer security) – sometimes referred to as SSL – is the underlying encryption protocol for secure data transmission over the Internet. It is the “S” in HTTPS.

Your web application or ecommerce platform that is processing credit or debit cards also needs to be secured against client side (i.e. web browser) code exploits such as XSS and SQL Injection Attacks, to name a few.

PCI Breakdown: Time and Costs to Reach Compliance

On average, our experienced systems administration team will spend three to four business days securing a single server and preparing the appropriate documentation for a Level 3 or Level 4 merchant.

The costs for doing so when factoring our time and the merchant’s staffing resources averages out to about $14,650 USD.

Merchants attempting to reach PCI compliance themselves however, without support from an outside partner, and who are already themselves adept at dealing with data security subject matter, can expect to spend upward of 3-4 weeks of time performing the following tasks:

Researching the PCI Data Security Standards (DSS)

Determining which level of compliance and which PCI SAQ is required

Securing their physical servers (often the largest and most costly aspect of the project)

Examining any third party plugins or software components on the servers that cardholder data passes through and ensuring they, too, are PCI compliant and can produce external documentation that proves such

Completing the PCI SAQ and Attestation of Compliance (ROC)

For complex undertakings involving more than one onsite data center and where a merchant is both capturing and retaining cardholder data, budget at least six weeks in your project plan and estimate related costs to be between $48,625 – $64,900 USD to reach compliance.

The above estimate factors some time for multiple staff within your organization that usually involves a multidisciplinary group of:

Business analysts.

System administrators.

Ecommerce platform developers.

Project managers.

Legal teams.

Resource protection staff.

It also takes into account some budget for outside consultant/auditor fees, and provision to hire a third party Qualified Security Assessor.

Note that our estimate does not factor in any additional costs related to purchasing new server racks, upgrading computer systems, adding new software licenses and installing access control systems (such as staff ID card systems) or any other physical expenses that may be required to achieve compliance.

How Your Ecommerce Platform Affects Your PCI Compliance

You can acquire ecommerce software in different ways:

Buying commercial software to run on your on-premise hardware

Using open source software on your on-premise hardware (the Do-It-Yourself approach)

Signing up for hosted software delivered as a service (SaaS)

Each approach strikes a different balance between your costs, benefits and ecommerce PCI risks and workload. The table sums up the highlights, and the following sections discuss each option in more detail.

#1: Commercial Software: The Costly Option

This requires you to buy and maintain your own hardware, plus shell out for a commercial software license and annual support.

The ecommerce software might be PCI-compliant out of the box, or you could have lots of work getting there. But any extra support you require from the vendor for PCI will likely cost extra.

This option could work for you, if your company chooses to:

Buy and maintain on-premise hardware

Pay for an on-premise software license and support

Maintain in-house expertise to install, customize and maintain an ecommerce platform

Keep someone on call 24/7 to troubleshoot any problem and get the platform back up fast if it ever goes down

Clearly, the drawbacks here are the high costs of hardware, software, and support –– plus the unknown burden of handling some of your own PCI compliance.

If that doesn’t sound appealing, skip this approach and read on.

#2: On-Premise, Open Source Software: Lower Cost, Higher Risk

This option is a lot like writing your own code.

You still pay for your hardware, but you avoid paying any software license fee. Sounds like a bargain, right? Not so fast.

You have to assemble, compile, install and tweak your own software. And, as for PCI, this can turn into a money-pit. Open source is a black box where no one really knows what’s going on.

“The problem with open source is that you’re not buying from any vendor,” says Beckett. “So there’s no one to fall back on for help. You might not get any support, or no phone number you can call. Or maybe the PCI auditor might not like something about the platform.”

In that case, you’re stuck.

You may have to document every step of your process in painful detail. That means holding meetings, analyzing code, sketching flowcharts, writing reports… spending weeks of effort that can easily outweigh any savings you gained from open source.

The DIY option could work, if your company can afford to:

Buy and maintain on-premise hardware

Maintain in-house expertise to link, tweak and maintain ecommerce software

Take staff time to hold many meetings and create PCI-related documents

Using open source software means you are responsible for 100% of your PCI compliance ––  not to mention your store’s uptime.

If you don’t want to take on those burdens, skip this approach and read on.

#3: Hosted Software-as-a-Service (SaaS): Low Cost, Low Risk

Software running as a service is accessed through the web, running on hardware maintained in a secure data center by your service provider.

If you want to save money, and can’t spare a lot of staff to develop PCI policies and write reports, consider using a hosted ecommerce service such as BigCommerce.

This way, you can forget about fiddling with ecommerce hardware and software, pay one monthly fee to cover your ecommerce platform, and remain PCI-compliant with a minimum of time and expense.

An important consideration when selecting this option, however, is that you will still be required to complete an SAQ (self-assessment questionnaire) as a Level 2-4 merchant and an ROC (i.e. report on compliance, also synonymous with Attestation of Compliance) if you are a Level 1 merchant.

Therefore, the work in documenting and reporting on a quality SaaS ecommerce platform regardless of your compliance level is much less involved in terms of cost and risk than the other two options presented.

The SaaS option will work for you if your company:

Wants to save money on hardware, software licenses and support

Doesn’t have people to fiddle with hardware and software

Prefers to pay one monthly fee to cover your ecommerce platform

Wants to remain PCI-compliant with a minimum of effort

With lower costs, less risk, and fewer PCI hassles, this option is the chosen path for many online stores.

Here is how a few popular ecommerce platforms breakdown:

PCI Compliance Checklist

Again, this is only applicable to your IT team if you choose not to go with a SaaS solution.

If you use a open source or custom built ecommerce platform, your IT team will need to go through the following checklist annually.

We’ve broken the checklist down below based on the PCI requirement.

Remember, there are 12 PCI compliance requirements.

12 High-Level Requirements Mandated by the PCI DSS:

Safeguard cardholder data by implementing and maintaining a firewall.

Create custom passwords and other unique security measures rather than using the default setting from your vendor-supplied systems.

Safeguard stored cardholder data.

Encrypt cardholder data that is transmitted across open, public networks.

Anti-virus software needs to implemented and actively updated.

Create and sustain secure systems and applications.

Keep cardholder access limited by need-to-know.

Users with digital access to cardholder data need unique identifiers.

Physical access to cardholder data needs to be restricted.

Network resources and cardholder data access needs to be logged and reported.

Run frequent security systems and processes tests.

Address information security throughout your business by creating a policy.

1. Safeguard cardholder data by implementing and maintaining a firewall.

Maintaining requirement for 1:

Positioning firewalls to only allow necessary traffic to enter your CDE

Having a “deny all” rule for all other inbound and outbound traffic

Dynamic packet filtering

Creating a secure zone for any card data storage

Ensuring all outbound connections from your CDE are explicitly authorized

Installing a firewall between wireless networks and your CDE

Documenting all firewall policies and procedures, including business justification for each port or protocol allowed through firewalls

2. Create custom passwords and other unique security measures rather than using the default setting from your vendor-supplied systems.

Maintaining requirement for 2:

Maintaining an inventory of all hardware and software used in the CDE

Assigning a system administrator to be responsible for configuring system components

Implementing a system configuration and hardening guide that covers all components of the CDE

Disabling or uninstalling any unnecessary services, programs, accounts, drivers, scripts, features, systems, and web servers, and documenting which ones are allowed

Changing vendor-supplied default usernames and passwords

Documenting security policies and operation procedures for managing vendor defaults and other security settings

Using technologies such as VPN for web-based management and ensuring all traffic is encrypted following current standards

Enabling only one primary function per server

3. Safeguard stored cardholder data.

Maintaining requirement for 3:

Documenting a data retention policy

Having employees acknowledge their training and understanding of the policy

Eliminating storage of sensitive authentication data after card authorization

Masking the primary account number on customer receipts

Understanding guidelines for handling and storing cardholder data

Making sure primary account number storage is accessible by as few employees as possible, including limiting access to cryptographic keys, removable media, or hardcopies of data

4. Encrypt cardholder data that is transmitted across open, public networks.

Maintaining requirement for 4:

Reviewing all locations, systems, and devices where cardholder data is transmitted to ensure you’re using appropriate encryption to safeguard data over open, public networks

Verifying that encryption keys/certificates are valid and trusted

Continually checking the latest encryption vulnerabilities and updating as needed

Having a policy to ensure you don’t send unprotected cardholder data via end-user messaging technologies

Checking with vendors to ensure supplied POS devices are appropriately encrypting data

Reviewing and implementing best practices, policies, and procedures for sending and receiving payment card data

Ensuring TLS is enabled whenever cardholder data is transmitted or received through web- based services

Prohibiting the use of WEP, an unsecure wireless encryption standard

5. Anti-virus software needs to implemented and actively updated.

Maintaining requirement for 5:

Deploying anti-virus programs on commonly affected systems

Setting anti-virus to scan automatically to detect and remove malicious software

Maintaining audit logs for review

Ensuring the anti-virus system is updated automatically

Setting up administrative access to ensure anti-virus can’t be disabled or altered by users

Documenting malware procedures and reviewing with necessary staff

Examining system configurations and periodically evaluating malware threats to your system

6. Create and sustain secure systems and applications.

Maintaining requirement for 6:

Having a change management process

Having an update server

Having a process in place to keep up-to-date with the latest identified security vulnerabilities and their threat level

Installing vendor-supplied security patches on all system components

Ensuring all security updates are installed within one month of release

Setting up a manual or automatic schedule to install the latest security patches for all system Components

7. Keep cardholder access limited by need-to-know.

Maintaining requirement for 7:

Implementing access controls on any systems where cardholder data is stored and handled

Having a written policy that details access to cardholder data based on defined job roles and privilege levels

Training employees on their specific access level

Configuring access controls to only allow authorized parties and denying all others without prior approval or access

8. Users with digital access to cardholder data need unique identifiers.

Maintaining requirement for 8:

Monitoring all remote access accounts used by vendors, business partners, IT support personnel, etc. when the account is in use

Disabling all remote access accounts when not in use

Enabling accounts used for remote access only when they are needed

Implementing a multi-factor authentication solution for all remote access sessions

9. Physical access to cardholder data needs to be restricted.

Maintaining requirement for 9:

Restricting access to any publicly accessible network jacks in the business

Keeping physical media secure and maintaining strict control over any media being moved within the building and outside of it

Keeping media in a secure area with limited access and requiring management approval before the media is moved from its secure location

Using a secure courier when sending media through the mail so the location of the media can be tracked

Destroying media in a way that it cannot be reconstructed

Maintaining a list of all devices used for processing and training all employees to inspect devices for evidence of tampering

Having training processes for verifying the identity of outside vendors wanting access to devices and processes for reporting suspicious behavior around devices

10. Network resources and cardholder data access needs to be logged and reported.

Maintaining requirement for 10:

Having audit logs that track every action taken by someone with administrative privileges, failed log in attempts, and changes to accounts

The ability to identify a user, the date and time of the event, the type of event, whether the event was a success or failure, where the event originated from, and the name of the impacted data or system component

Having processes and procedures to review logs and security events daily, as well as review system components defined by your risk management strategy

Having a process to respond to anomalies or exceptions in logs

Keeping all audit log records for at least one year and keeping logs for the most recent three months readily available for analysis

11. Run frequent security systems and processes tests.

Maintaining requirement for 11:

Running quarterly internal vulnerability scans using a qualified internal resource or external third-party

Running quarterly external vulnerability scans using a PCI-approved scanning vendor (ASV)

Using a qualified resource to run internal and external scans after any major change to your network 

Configuring the change-detection tools to alert you to unauthorized modification of critical content files, system files, or configuration files, and to configure the tools to perform critical file comparisons at least once a week

Having a process to respond to alerts generated by the change-detection tool

Running a quarterly scan on wireless access points, and developing a plan to respond to the detection of unauthorized wireless access points

Performing penetration tests to confirm segmentation is operational and isolates systems in the CDE from all other systems

12. Address information security throughout your business by creating a policy.

Maintaining requirement for 12:

Developing written compliance and security policies

Ensuring every employee working in the CDE completes annual security awareness training

Creating a company policy documenting all critical devices and services within the CDE, including laptops, tablets, remote access, wireless access, and email/Internet usage

Developing a comprehensive description of each employee’s role in the CDE, and documenting acceptable uses and storage of all technologies

Creating an incident response plan in the event cardholder data is compromised

Creating and updating a current list of third-party service providers

Annually documenting a policy for engaging with third-party providers, obtaining a written agreement acknowledging responsibility for the cardholder data they possess, and having a  process for engaging new providers

We’ve Successfully Achieved PCI Compliance: What’s Next?

As if achieving PCI compliance wasn’t complex enough on its own, maintaining compliance year-over-year and keeping up with ever-evolving nuances to PCS data security standards (DSS) has proven itself a perpetual expense and burden to any organization.

The latest PCI DSS standard (version 3.2) released in April of 2016, for example, defines a number of changes to previously accepted rules and regulations on a variety of PCI subjects, touching upon both documentation requirements and technical adjustments to the physical hosting environment (CDE) itself.

This means as a self-hosted merchant you’ll need to concern yourself not only with getting all these requirements perfected the first time around, but you’ll also be expected to manage lists of future change requests and down-the-road migration plans that will keep your technical teams very busy ad infinitum (i.e. forever).

Let’s face it, they often have more than enough to do as it is.

In short, maintaining compliance is an ongoing process, involving all of the above as well as quarterly vulnerability scans and completing a new SAQ and Attestation of Compliance each year.

If your organization is presently at PCI compliance Level 3 and your credit card transaction volume is trending upwards at a rate of 20% or more annually, consider hiring a QSA and having a formal external security audit done every year, even if your bank doesn’t require it.

In this manner, your team won’t be flanked by a last minute crunch to get it done which will result in overstatements, omissions and increased third party auditing costs.

You’ll also proactively position your organization for an easy transition upward to a higher compliance level at a later time.

Want more insights like this?

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