The Tortoise and The Hare and Google Entitlement Mentality

June 15th, 2009 by Kimi 3 comments »

tortoisehare

Slow & steady wins the race

It has been a very frustrating couple of months for me as a web designer. The recession is obviously causing many website owners to re-evaluate their poorly performing websites and is also causing them to become more aware of their site’s lack of visibility in Google. For me this has meant an increase in clients requesting website reviews and organic search engine optimization services.

While I am very excited about the opportunities, the influx of new business means that I am also, by necessity, explaining the time and dedication involved in creating a website that ranks high and wide in Google more often. I have been surprised by how resistant many of these perspective clients are to the idea that high search engine rankings require a lot of work. I actually think I have scared a couple of prospects off and they are out now looking for a designer/seo who can put them on the front page of Google quicker! Sigh. Unfortunately there is an abundance of blackhat SEO’s out there that will guarantee to do just that and feed them the lie they want to hear.

When putting together a website review I include recommendations for on-site search engine optimization, locate and point out usability and accessibility problems, critique the site’s content and appearance, research the effectiveness of the keywords they are using and also gauge their competition. The outcome of a website review is a clear, concise list of the problems found on the website and recommended solutions to those problems. When implemented, the solutions are geared to increase the sites performance (conversions) and search engine rankings. To put together a report like this, I spend days pouring through the site itself, reviewing web logs and other analytical statistics. Since I am driven by a desire to see my clients do well, I put a lot of thought and effort into the recommendations. You would think that if a website owner paid someone to thoroughly dissect their site and tell them “what is wrong”, that the resulting recommendations would be good news and welcome information. This is not always the case.

What I am finding is that many clients do not want to hear the truth about Google – that it takes a lot of work to rank well. Their prior blackhat SEO’s have harnessed the power of the Vulcan mind-meld and brainwashed them into believing that high ranking is “actually pretty easy”, all you have to do is stick this exact sentence here and repeat these words 200 times at the bottom of your page.

Here’s a great example if this cheap and easy advice taken from a forum I participate in:

“Optimization is simple. Make a check list of things you want to control and follow those. No worries at all. Metatags, Title, Bold, H1 tag, alt and the list goes on and on.”

See! All you have to do is fill out a couple of meta tags, bold your text, and you now have the ability to control your rankings. Who would have thought it was so easy!

** Note:  There is an extremely funny list of SEO myths over at the High Rankings Forum. It is best read when drinking wine, eating chocolate and possibly wearing your depends!

For some, once this type of “easy” mentality kicks in, it seems impossible to convince them otherwise. Recommendations for improving their site (if it involves extensive work and the setting of long-term goals and expectations) is not only NOT welcome, it is resented.

Unfortunately, I am finding that resistance to hard work and refusal to believe that good rankings take time goes hand-in-hand with another “syndrome” I fondly call the Google entitlement mentality.

Out of curiosity, and feeling compelled to blog my experience; I did a search on Google to see if anyone else had experienced this phenomenon. I found an excellent “rant” written by Jennifer Laycock, Editor of Search Engine Guide.  The content of the article itself didn’t surprise me as much as the date… 2006. Not only is Google entitlement mentality alive and kicking today, it seems to be getting worse!

I recently conducted a site review for a perspective client whose website was failing miserably in Google. There were so many things wrong with the website that it was almost overwhelming, but the biggest problem was evident immediately upon visiting the homepage. There was a spam-filled block of nearly invisible text at the bottom of the page. The site had also participated in a link-exchange program and owned a duplicate website; all big Google no-no’s. One day the site had good rankings, the next day it was gone and it never came back. P-e-n-a-l-t-y!

I completed the review and provided the client with a report (over 50 pages of data pointing out specific problem areas and providing solutions for each), including of course the removal of the blackhat areas. What do you think his response was? Anger at the SEO company that should have known better then to use these techniques in the first place? Anger at himself for not doing more research into the background of the SEO company before hiring them? A fresh determination to clean up his website so visits would begin converting to sales and hopefully his ranking would be restored?

No. He was ANGRY at Google. Why had they not been warned? The nerve! And, he was not very happy with me because I did not provide him with the “exact words for the home page” or the two keywords he should use. The website owner had already hired one SEO to perform “magical tricks” that would get his site to the top of Google, how’d that go for him? Now, he is looking for another.

I’m not sure where this entitlement attitude comes from. People who have not invested any money in a listing, put any thought or work into their site, and have actually gone against Google policy and tried to manipulate their way to the top should not expect anything. Most of these people believe Google is out to get them, when actually Google simply doesn’t want anything to do with them at all. Why would they?

To bring this mentality into better perspective, let’s use another scenario. What if a local visitor’s guide was trying to get off the ground and offered a business a free listing for a while to help them get launched. The magazine did very well in the first year and brought a substantial amount of traffic to the business. If after a year a representative from the guide explained to the business owner that they would have to begin paying for an ad, would the business owner get angry? Would the owner feel that the guide owed them a free ad (indefinitely) and be ungrateful for all the past business they had reaped for nothing? I think not.

Google entitlement mentality almost always leads to an ineffective website. When a client feels his site is entitled to top rankings not based on merit, but simply “because”, he does not value and is not motivated to implement solid recommendations. Why should he have to take time out of his busy schedule or hire someone to write content that makes sense and contains useful information? For that matter, why should he have to make sure his keywords are on his website, or that he is targeting the right keywords at all? He’s not particularly worried that his site does not look professional, or is confusing, or not converting visits to sales? He just wants his site on the first page of Google… and now!  The fact that 70% of his current visitors are leaving in between 0 – 30 seconds after landing on the site does not even factor into the equation. What to do?

For me, attitude after review is becoming the litmus test for which jobs I accept and which I do not. If the attitude reflects that of a “hare”, focused on short cuts and a resistance to hard work, and an underlying attitude of entitlement, I’m not going anywhere near it. Clients with this type of attitude are actually working against you (and themselves) and will ultimately end up with a websites that bomb. They will never be happy, and who wants an unhappy client!

On the other hand, I am very excited when I meet a “turtle”! A client that is not only interested in an honest assessment of their website, but embraces the recommendations and looks forward to improvement has so much potential. Turtles can see the big picture and understand that high rankings are not everything. Not even close. Converting visits to sales, that is the ultimate goal. They understand that “slow and steady” wins the search engine race and ultimately leads to higher, targeted traffic and sales. With a turtle on your team (not unlike a tiger in your tank) you can build a great website. That leads to a happy client, and everyone wants a happy client!

Moving your osCommerce store, Word-Press Blog or Forum from PHP4 to PHP5

May 18th, 2009 by Kimi 2 comments »

Learning via blood, sweat and tears

php4 to php5Just over a year ago, the webhosting company that had been servicing a number of my clients for many years sold out to a new company, Jumpline.com. Jumpline has proved to be one of the worst companies I have ever had to deal with in my career as a web designer. Several times clients were moved to new servers without notice, resulting in stores, forums and blogs being broken. Control panels were suddenly changed to Plesk, leaving customers stunned and scratching their heads. Many of the email accounts were not transferred properly, losing forwards, whitelists, etc., and some email boxes were not even turned on! Problems escalated and some became unsolvable because technical support was either non-caring or non-available. Mostly, Level 1 support did not have the expertise to help and for some reason was overly resistant to moving tickets to Level 2 until many long days had passed. The bottom line… it was time to move to a new host.

I did a lot of background research and settled on a new company. The point of this article is not to promote a webhosting company (I am not a reseller) but since I’ve already told you who the WORST webhost is I’ll just add… HOSTGATOR ROCKS!

In recent weeks I have moved 7 clients to new hosting, including 3 osCommerce stores, 2 Word-Press blogs and 2 Forums. One of the biggest challenges was moving from Plesk and PHP4 to cPanel and PHP5. I encountered many issues along the way, but between tech support going over the top to help me (did I mention Hostgator rocks!) and scouring forums for advice, all of the issues were resolved and life is good again.

Some of the solutions were easily found and some I had to do some serious digging for, so I decided to list some of the problems & solutions here to help others out and hopefully prevent a few gray hairs. I will also be adding some of these solutions (and more) to specific categories in my web design forum as soon as I can, but for now I’ll just focus on getting things up and running.

Reinstalling osCommerce and forums onto a new webhost running PHP5

Moving osCommerce and Forum files to a new webhost is no big deal, but moving a database from PHP4 to PHP5 and getting everything to run properly did prove challenging. On each site it seemed a different problem cropped up, but what was very helpful for me was learning the order in which things should be done.

My new host offered a one-click installation of the most current version of osCommerce, so my first thought was to run the install and let it create the database, upload our store files, and then import our SQL file using the backup restore within osCommerce. Saving you a little time here – that does not work! Here’s what you should do:

1. First you will need to make a backup copy of your database from your old host. Do not make a backup from within osCommerce using the backup tool, instead export the entire database to your hard drive via phpMyAdmin.

2. Next, upload the files from your old host to the new host via your preferred ftp program.

3. After the files have been uploaded, create a database on the new server. The following are the steps for cPanel:

- Click “MySQL databases”

- Under “Create New Database” give your database a name. Write down the name of your new database. Note: The name you select for the database is usually appended to your user name, i.e., username_databasename.

- Once the database has been created click “go back”. You will now need to create a user for the database.

- Scroll down the page to the MySQL Users section. Add the user name and password for the new user and click “create user”. Once the user has been created, click go back again.

- Now that the user is created, you need to assign permissions for the user to edit the database. Scroll down to the section “Add user to database” and choose the user & database name you just created.

- Next you will be taken to the permissions page. Click “all privileges” for the user and “make changes”.

4. The next step really depends on your new host and the level of support they provide. I found with Hostgator that it was best to upload the SQL file that you backed up from your old host to your server (into your public_html directory) and then ask tech support to import the database for you. They are more then happy to do so and seem to automatically problem-solve any issues that may occur.

If you have to import the database yourself, be careful to remove the section of the SQL that creates the database from the file before importing.

CREATE DATABASE `username_databasename` DEFAULT CHARACTER SET utf8 COLLATE utf8_general_ci; USE `username_databasename`;

Since the database has already been created, you will receive an error unless that section is removed.

5. Once your database has been installed properly update your osCommerce configuration files located in the catalog/includes and admin/includes folders. You will need to update your https: path, your database name, database username and database password.

Hope this helps someone to get off on the right foot. I will be posting answers to more specific problems regarding broken SSL and missing forum pages to the Front Range Web Designers Forum in the near future.

New SBA incentives, are they for real? Part 4 – Motivated to save, not borrow

March 31st, 2009 by Kim Taylor 1 comment »

pigToday I visited the SBA website again, but headed directly to the section providing information from our local Small Business Development Center in Denver. After taking a closer look at the types of loans offered by the SBA, I’m convinced that what I am looking for is a MicroLoan.

The MicroLoan Program was developed to increase the availability of very small loans to prospective small business borrowers. Under this program, the SBA makes funds available to nonprofit intermediaries, who in turn make loans to eligible borrowers in amounts that range from under $100 to a maximum of $25,000. The average loan size is $10,000. Completed applications can usually be processed by the intermediary in less than one week.

The intermediary for our area is the Colorado Enterprise Fund

The mission of Colorado Enterprise Fund (CEF), according to their website, is to provide credit to small businesses that do not have access to loans from commercial sources. Through loans and services, we help entrepreneurs strengthen their businesses, stabilize and increase their incomes, create additional employment and contribute to the economic revitalization of their communities.

CEF lends to businesses anywhere in the State of Colorado and Loan funds may not be used for owner’s salaries, personal expenses, delinquent taxes and certain other purposes.

That’s fine with me since I only desire to update equipment and software.

Loans range from $1k to $250k, rates range from 9% to 14% per year, terms are 7 years, and come with three fees which have NOT been waived by the Recovery Act:

- Loan application fee of $25 per owner or cosigner
- Commitment fee between 1.5% to 5%
- $100 per year technical assistance fee and other fees for document recording, etc.

The Colorado Enterprise Fund states that while good credit is important, CEF recognizes that applicants may have had credit issues in the past. We attempt to be more flexible than a traditional lender when reviewing your credit report.

Good news! Since we have no other delinquencies and the drop in our credit score is clearly related to the short sale of our home in Florida, I can provide a letter of hardship which would hopefully suffice.

I download a loan application and get to work. I am at page 4, under “credit information: when I hit the following question:

Are you currently slow pay in your mortgage and/or vehicle account?

Followed by:

If you presently are delinquent in your mortgage and/or vehicle account you DO NOT QUALIFY for a loan under our program’s guidelines. If you have proof that these accounts are current, please provide supporting information.

TIP! Read through the whole application BEFORE you begin filling it out :(

Next, I look into the 7(m) Micro Loan Program (although it feels like a stretch)

The Micro Loan program is for short-term loans up to $25,000. The average Colorado loan is approximately $11,000. Fees and eligibility requirement are similar to those found in the 7(a) program while terms are typically less than three years.

- 39% of these loans go to start-up businesses while the remaining are made to existing businesses with a demonstrated track record.
- 29% of loans made to service industry while the bulk are made to manufacturing, retail and other types of businesses.

I visit the intermediary lender for our area: Colorado Office of Economic Development

I find that these types of loans typically support real estate purchase and rural development (not me), but there is a link on their site for “business loans” which leads me to their recommended SBA Express Loan lender, Innovative Bank. Innovative bank offers another type of loan I had not heard of before called a SOHO Loan.

A SOHO Loan is a lending product developed by Innovative Bank to promote the Small Business Administration’s (SBA) Community Express program to provide financial assistance, capital access, technical and management assistance to the underserved segment of the small business community. SOHO stands for Small Office/Home Office and is geared to small to medium size businesses in all geographic areas of the United States. That sounds more like it!

A SOHO loan offers the potential qualified small business owner financing that ranges from $5,000 up to $50,000 (Community Express minimum loan amount is $25,000). All loans carry an 84-month term, no pre-payment penalty, minimal paperwork, Innovative Bank paid technical assistance, as needed, and quick turnaround time. Variable interest rates are tied to the new Prime Rate published in the Wall Street Journal plus the Innovative Bank spread of 4.75% or 3.75%, depending on the amount of the loan, i.e.,

Loan amount: $10,000
Approximate monthly payment: $156
Variable rate: P + 4.75%
Terms: 84 Months
Packaging fee: $575
SBA Fee: (WAIVED BY RECOVERY ACT) $180

But here’s the catch. To apply, you must go through your local TAP (Technology Advisory Program) representative and guess who that is? The Colorado Enterprise Fund, the program that does not allow you to apply if you have mortgage issues!

Why do you have to work through a TAP representative? According to Innovative’s website “Because the government wants to assist you with start-up business services such as applying for business licenses, permits, etc. and/or where to apply for business services such as loans or checking services. Your TAP will assist you with technical needs, such as accounting, marketing, e-commerce, business planning, computer assistance, etc. and arrange for you to attend workshops. The TAP will also assess your need for other banking products (checking, merchant account, etc.). This service is free of charge.

Groan…

So, here’s where I’m at. It was hard to get psyched about taking out a business loan in the first place, so it’s hard to say I am disappointed. We are cutting back and trying to reduce debt like most everyone in the Country, so borrowing felt completely counterintuitive at first thought.

I have to admit though, all of the publicity behind the “Small Business Incentives”(incentive: an expectation that induces action or motivates effort) did inspire hope in me that maybe this was the time to move forward and invest in my company. That our government was taking into consideration the hard economics times and was stretching out their hand to help. In reality, if you are attempting to finance the purchase of real estate or launch a new business in a low income or rural area…maybe. If you are looking for assistance in troubling economic times…probably not.

What is SAD to me, is I know that we are not alone. When the value of your home drops $250,000 obviously the best strategy is to stay put until the value climbs again, and God alone knows when that will happen. But what if you can’t stay put? What if you have to relocate for a job, like us? The city where our home is located in Florida had the second highest foreclosure rate in the nation in February, with one out of every 65 housing units receiving a foreclosure notice. Two-thirds of the homes sold in the county so far this year have been foreclosed properties. Nope, we are not alone. With so many people backed into a corner, with so many credit scores plummeting, I’m not sure how small business will thrive, but in my case it will NOT be through a government assisted loan. I won’t pursue it any further. The incentive to grow is there, but the old saying ‘where there is a will there is a way”certainly doesn’t apply to SBA loans or the Recovery Act.

What makes me HAPPY is that my decision to not pursue an SBA loan means that I will not be taking on any more debt. I will continue to cut back, scrape and save and when the time is right I will upgrade my equipment using cash.

What makes me CONFUSED is how this incentive is supposed to spark the economy if the majority of small business owners come to the same conclusion. If anything, the new SBA incentives have motivated me to save, not borrow.

New SBA incentives, are they for real? Part 3 – Well, that didn’t work!

March 30th, 2009 by Kim Taylor 1 comment »

Disclaimer:  I have been banking with Wachovia for nearly 2 years and am a huge fan. Their level of customer service is beyond anything I’ve experienced with any other bank…period. Please do not construe anything in the following post as a negative comment towards the bank in general.

To briefly recap Part 1 &Part 2 of this series about the new SBA Recovery Act incentives”. Our credit score took a large hit when my husband lost his job in June, 2006, and we had to make a sudden move to Colorado, putting our home in Florida up for sale just as the real estate market crashed. The value of our home has plummeted from $490,000 to approximately $245,000 at present. After attempting to sell or rent our home for nearly 2 years without success, and without the resources necessary to continue carrying a home in Florida AND in Colorado, we made the difficult decision to apply for a short sale of our Florida home. If you are not familiar with the short sale process, you basically have to stop paying for your home before a short sale will even be considered. We have been approved for a short sale, but in the meantime our credit score has dropped from the high 700 to the mid 500’s.

As every penny we have earned in nearly 3 years has been poured into maintaining two homes, I obviously have not had the funds necessary to upgrade or grow my business. Upgrades are becoming crucial at this point, but a conventional loan is pretty much out of the picture. That is why I hoping that incentives offered through the SBA as part of the Recovery Act can help provide me with the funds necessary to upgrade.

So, with documents in hand I headed to Wachovia first, as that is where I hold my personal and business accounts. I called ahead to make an appointment, explaining that I was looking for more information regarding an SBA loan.

TIP #1

The SBA’s website has a FAQ regarding the Recovery Act wherein they mention that you should “specifically ask about the Recovery Act and SBA loans” when approaching a lender. I didn’t realize at the time how important that advice was. My meeting at Wachovia was scheduled with a “financial specialist” who had no immediate knowledge of SBA loans and could not give me any specific information. So, let them know ahead of time!

My appointment at Wachovia did not provide me with any new information, but Wachovia’s local expert, their “Assistant Vice President Relationship Manager Small Business Banking”, did return my call before the day was through. The two options he offered me were:

1. An equity line secured by our home in Colorado; or

2. A traditional unsecured loan

It was pretty obvious that the information regarding our credit situation was not passed on to him, so I let him know about the short sale and also made it clear that I was not interested in an equity line. He said that he would be speaking with someone from the SBA tomorrow and would return my call the next day.

True to his word, the Wachovia representative called me back in the morning. He told me that SBA loans were only being offered to individuals purchasing property at this time. They were not providing loans for equipment upgrade.

TIP #2

The information regarding the granting of loans was presented in such a way that at first I believed he was talking about SBA policy. That confused me because I thought the SBA website had mentioned loans for equipment upgrades. After asking the representative specifically if this was SBA policy or Wachovia’s policy, the representative stated that it was the bank’s policy. If I had not asked that specific question I probably would not have continued my pursuit of an SBA loan. So make sure you ask! Or better yet, do what I will be doing next…

Although it may still be wise to check with your local bank first (I’m a novice at this) my next step will be to contact our Small Business District Office in Denver. Hopefully they can provide me with direction as to which lender’s I should approach given my business needs and save me some time.

Stay tuned!

New SBA incentives, are they for real? Part 2 – Do I even qualify?

March 27th, 2009 by Kim Taylor 3 comments »

Incentive: : a positive motivational influence

How is the Recovery Act supposed to help small business owners like me?
The American Recovery and Reinvestment Act of 2009, signed into law by President Obama on February 17, 2009, received applause from the Small Business Administration.

According to the acting SBA Administrator, Darryl K. Hairston, “The tax incentives and credit stimulus elements of the Recovery Act will truly help small business owners affected by the credit crunch, and will provide financing opportunities to help them create new jobs in their communities”.

The two key provisions in the Act that are geared towards helping small business owners are:

  • Temporarily raising guarantees to up to 90 percent on SBA’s 7(a) loan program, through calendar year 2009, or until the funds are exhausted. This increase in guarantee levels will help provide banks with the greater confidence they need to extend credit during the current recession, will mean more capital available to small business owners around the country.
  • Temporarily eliminate fees for borrowers on SBA 7(a) loans and for both borrowers and lenders on 504 Certified Development Company loans, through calendar year 2009, or until the funds are exhausted. This will mean more capital available to small businesses at a lower cost. The fee elimination is retroactive to February 17, the day the Recovery Act was signed. SBA is developing a mechanism for refunding fees paid on loans since then.

Is my business eligible for an SBA Loan?
According to the SBA, the kind of businesses typically able to get SBA-backed loans Typical 7(a) borrowers are entrepreneurs looking to start, expand or acquire a small business. In many cases, the applicant may have a strong business idea, management ability, and sound financial projections, but may have a shortfall in collateral to secure a loan or equity to put into the business.

Expand, yes I want to expand…

In order to qualify for a SBA 7(a) loan, borrowers must be unable to secure conventional commercial financing on reasonable terms and be a  “small business” as defined by SBA size standards. In 2008, of the $18 billion in SBA backed loans, 35% went to start-up businesses, nearly 32% ($5.7 billion) went to minority owned businesses, and nearly 23% went to women owned businesses.

That would most definitely be me…

SBA-backed loans are three to five times more likely to be made to minority and women owned businesses than conventional small business loans made by banks, according to a recent study by the Urban Institute.

Yippee that’s me!  Woman!

But will you still lend to me even if the crash of the housing market directly impacted by FICO credit score?
According to the SBA, 7(a) loans are meant to assist borrowers who are unable to obtain financing on the same terms through normal lending channels. Loan proceeds can be used for most sound business purposes including working capital, machinery and equipment, furniture and fixtures, land and building (including purchase, renovation and new construction), leasehold improvements, and debt refinancing (under special conditions).

Again this is me. No way to get conventional financing on reasonable terms and I need to purchase equipment.

So let’s try it…
According to the SBA, the route to take when applying for a 7(a) loan is to apply directly with your lending institutions, including banks, credit unions, and Small Business Lending Companies.

The SBA states that they work with thousands of small and large lenders nationwide. Lenders evaluate loan applications under their lending standards and decide whether to:

a) Make the loan through conventional financing — without a SBA guarantee –because the borrower meets their conventional credit standards;

b) Make the loan with a SBA guarantee if the borrower does not meet conventional standards and is eligible for SBA programs; or

c) Decline to make the loan.

I’ve put together a package that consists of income tax statements for 2005-2008, income and expenses for the first quarter of 2009, a request for loan/business plan, and letter of explanation regarding the short sale of our home.

First stop my local bank where I have my business checking, personal checking and savings accounts… Wachovia.