Implications of late payment
Implications of non-payment
Code of practice/policy on responsible lending
Disclosure of fees including the annual percentage rate (APR)
Disclosure of renewal policy
Legitimate contact information/physical address
Compliance with other state or local regulations related to short-term loans

The items in bold are two little lines that should take out almost all financial lead generators/affiliates worldwide, who are not local government authority licensed, from the Adwords marketplace if Google enforces its own requirements.

We will see how this will play out in the upcoming days as the policy is supposed to be live in Mid-January. If Google enforces these laws, we should expect a fierce competition on organic search traffic race by lead generation and affiliate companies and a rise of ad spend for the state licensed lenders.

Quote from the Think Different Apple Campaign (1997)

Here’s to the crazy ones. The misfits. The rebels. The troublemakers. The round pegs in the square holes.

The ones who see things differently. They’re not fond of rules. And they have no respect for the status quo. You can quote them, disagree with them, glorify or vilify them.

About the only thing you can’t do is ignore them. Because they change things. They invent. They imagine. They heal. They explore. They create. They inspire. They push the human race forward.

Maybe they have to be crazy.

While some see them as the crazy ones, we see genius. Because the people who are crazy enough to think they can change the world, are the ones who do.

Created by Jonathan Mak Long

The same logic applies interactive marketing agencies. Everyday agencies pitch their services to corporate marketing managers. They offer Web Design, SEO, PPC, PR. banner ads, social media over, over and over again. The problem with that logic is everyone else does the same. As every agency offers the same service, the whole agency game becomes a zero-sum game of diminishing profits for agencies and worse services for corporations.

Dear Interactive agency – Do you dare to package yourself differently? If so let’s talk.

“All of a sudden, we’ve lost a lot of control. We can’t turn off our Internet; we can’t turn off our smartphones; we can’t turn off our computers. You used to ask a smart person a question. Now, who do you ask? It starts with G-O, and it’s not God.” – Apple Co-Founder Steve Wozniak

Steve Wozniak was the person who said every human being on earth should have its own personal computer. Now he thinks it got a little out of hand. He thinks Steve Job is in the wrong path with the Iphone. Apple believes that controlling the user experience will rule the day but the Altar that people worship belongs to the Big G. As long as the Big G has a say in it, Android will rule the day. At the end Google is nothing but a replacement of Windows for personal computers when it comes to public acceptance of the Internet.

Türkiye republikası prezidenti, Türk dönyasının ileri gelen pezevenklerindendir

The Azeri Translation to English is simple:

Republic of Turkey President is one of the most influential leaders of the Turkish world.

The Turkish delegation stops on its tracks with this insult. Why was the statement an insult? It was one of those words that changed its meaning in Turkey. In original Turkic Turkish (which Azeris use), pezevenk means “leader”. In Turkey Turkish, pezevenk means “pimp”.

a) Short Tail Keywords: High Volume Low conversion keywords – Mainly informational – ex: Shoes

b) Long Tail keywords: Low Volume Higher conversion keywords – More transactional – ex: Size 7 purple running shoes

Short tail keywords tend to have a high pay per click cost. These higher costs are creating a perfect competition. The end result is lower profit margins for the advertisers and eventually lower demand for the Adwords Pay Per Click advertisement programs. For Google, the lower demand for the PPC programs is unacceptable.

The solution: Google Instant Search

Google is trying to shepherd users to the Google Suggested Keywords Funnel. This funnel is specifically created to establish a “more traveled road” keyword path. The goal is to create demand for a focused list of “longer tail keywords”. The hope is to create artificial demand for a “medium” tail market landscape. This new landscape is also going to be the new battle field where major brand search engine optimizers and affiliate spammers are going to fight. As Google tries to make more money from advertisers, they are forcing affiliate marketers to a corner. Cornered affiliates have developed very sophisticated  automated link spam and automated content farms to fight the major brand websites on natural search results.

Link spam usually comes in the format of automated social media link spam and useless spinned content. These types of software create millions of links and auto generated meaningless content. The effects of this usually result in the death of many well meaning community forums and blogs. The owners of these community sites/blogs become overwhelmed with spam. Smaller publishers now have to compete with junk auto generated content in search results. Google is creating its own private advertiser friendly internet keyword garden, while allowing for the rest of the unadvertised long tail keywords to be filled with useless content. The goal is to create a trusted haven for the search engine users while abandoning the rest of the “free web” to its slow death.

To all people out there who celebrate a brand new year in the middle of miserable cold weather, please rethink who the real joke is being played on. It is being played on All the King’s subjects that obeyed his silly law for the last 446 years. Long live King Charles IX!!!!!!! The people on earth are still the sheep that fall for your April 1 jokes. Lesson learned: Perceived reality becomes the only reality if you tease/supress people long enough.

Some graduates include:

- A high school teacher
- Security manager at a Fortune company.
- An American Advisor to Ministry of Public Health in Afghanistan
- An quality Engineer
- An American Superconductor Applications Engineer in Taiwan
- A wealth management advisory company president in Boston
- A systems admin for a state tax commission.

Even worse, there is a medical diploma mill that Dr. George Gollin is fighting right now called St. Luke School of Medicine.

They already have “a graduate” in Linkedin, a fellow Realtor who decided to become a “Doctor of Naturopathic Medicine”. I love Google, don’t you?

Above is one of my childhood’s favorite scenes from Back to the Future 2 where Michael Fox takes off with a hoverboard running into a flying car that just landed in the year 2015. I have read the news today that China has taken over US in car production. So what? We are five years away from 2015. There are no hoverboards. There are no flying cars. There is just a beaten up economy where everyone tweets and noone dreams. We need to get rid of this old concept of the car and the roads. The spirit of Benjamin Franklin needs to arise again. Americans need to learn to envision and literally relearn how to fly. 2015 and the dreams of our childhood are only five years away.