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15 Things People Absolutely Hate About Your Website | Armonk NY Homes

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One of the tenets of inbound marketing is not to annoy. So why is it that many websites are still chock full of the elements that so many visitors have bemoaned over and over? Perhaps with the sheer excitement (or terror, depending on your personality) that comes with designing your own website, all of the user experience quirks that have driven you crazy over the years escape your mind. But poor user experience can cause high page abandonment rates, low visitor-to-lead conversion rates, poor organic search listing positions, and a plain ol’ bad reputation. So we compiled a list of the 15 most annoying things we’ve seen on websites to act as a sort of guide for what not to do when designing your website. Take a look at the worst offenders!

15 Things People Hate About Your Website

1) Pop-Up Ads

Let’s get the most obvious one out of the way. Pop-ups are seriously annoying. Yes, a pop-up could get you a few new email subscribers, but is that really worth all the traffic you lose when visitors abandon your site in annoyance? Convert site visitors into leads with well-written content and compelling CTAs/offers, not interruptive gimmicks.

2) Automatically Playing Multimedia Content When a Page Loads

Shhhh! I wasn’t supposed to be on this site at work! If someone’s enjoying what they thought was a silent browsing session and they’re bombarded with your theme song or a talking head on a video for which they didn’t press “play” and can’t find the button for “stop,” what do you think they’re going to do? Some might fumble for their mute button, but I can more easily locate the back button in my browser than my computer’s volume controls. Let visitors choose to play your multimedia content; don’t force it on them.

3) Disorienting Animations

You’re probably familiar with the blink test by now — the 3 seconds users have to orient themselves on any given web page before they click ‘back’ in their browser. Animations, auto-play videos, blinking and flashing paid advertisements, and other interactive entertainment may seem really cool (I’m sure it’s very well designed!) but it detracts from a visitor’s focus during those critical 3 seconds. Nix the animations, and let visitors focus on what they can do on that page with clearly written headlines and explanatory copy.

Tracy Becker Credit Expert and Author | Armonk NY Realtor


April, 2012 

Average Age of Credit 

     

 

We often find that many aspects of the aging process are unattractive. This, however, is not the case when it comes to credit. As credit ages it benefits a consumers credit score more and more.  As a matter of fact the older the average age of credit the more it can increase the individuals Fico score. 

 

Why is this so? If you were going to hire a plumber, contractor, or maybe a surgeon would you want the new kid on the block? Very doubtful.  Most people want a professional who has a bit of experience or shall we say a lot of practice. The reason is the more you practice something the better chance you have at mastering it. This is the same for credit. The Fico score looks more kindly at those who have been in the game the longest. For example with young credit, even though the credit holder may have 5 accounts that have always been paid on time, since the average age is 15 months the score will not be very high. On the other hand if the average age was 15 years, with excellent credit history you might see a difference of 50-100 points depending on the overall credit picture. 

 

Since average age of credit impacts the score positively it is important that the younger generation starts to build credit as early as possible and for the rest of us we must be careful about closing credit.  Although closing credit does not initially take away from average age, once the creditor deletes the account the age of that account will no longer be a factor when the score is calculated. Closed credit can be deleted from profiles 2 years after inactivity. In many cases closed credit shows up for a much longer period of time since creditors are not motivated to remove it, but if it does come off after the two year inactivity period it can hurt credit scores.  

We have seen in many cases a young consumer may have accounts on their credit that are really belonging to a parent with the same or similar name.  Since the two individuals have a name and address in common the bureaus are confusing the two. This could be of great benefit to the younger of the consumers since they may have a 20-30 year old account added to their score, gaining an increased score threshold, which ultimately is saving them in monthly mortgage payments due to lowered interest rates.  

How much could that really save them?

 

Let’s take John Jenkins Jr. who has 3 accounts of credit in his name with no late payment history and low balances on his credit cards.

1.      Amex – date opened 7/2010

2.      Toyota car loan – date opened 1/2010

3.      Visa card – date opened 5/2011

 

With these three items Johns Fico score should be around a 680, but luckily John’s fathers 20 plus year old credit is mistakenly listed on his credit profile. Along with the accounts above, John’s credit now shows:

1.      Amex – date opened – 1989 
2.      Diners – date opened – 1990 
3.      Mortgage – date opened – 1991 now closed 
4.      Lord & Taylor card – date opened 1985

 

With all of these old cards showing up on his report his score winds up to be a 760 which will save him $128,317 over the life of his 30 year $600,000 loan!  That is a lot of money, so you can see how having old credit can really manifest in savings that could greatly impact your quality of life. For John, it equals a savings of $365 a month on mortgage payments.

Feel free to call us with any questions or feedback on credit challenged clients or credit in general!

 

Making sure credit is analyzed with future financial goals in mind is a MUST before taking an action that can foil those plans and limit a consumers options for a better quality financial life.      

 

 

“Great credit brings great opportunity!!”             Copyright 2012

 

 

 

    

North Shore Advisory offers credit repair and restoration services.
We’ve been providing credit education and credit improvement for more
than 20 years. We can help you with your business credit needs or
personal FICO scores. For bankers and realtors we can review your clients’ credit reports and scores to see if we can improve them. 
Call us at 914-524-8300

Email: info@northshoreadvisory.com

  

 

Call Today for a Free Credit Education Seminar!

 

914-524-8300 

 

www.northshoreadvisory.com  

 

 

 

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Listen to featured Credit Coach, Tracy Becker, on WOR radio show “Eye on Real Estate”, discussing the importance and opportunities of great credi

   

March 27th, 2012

“Hello Tracy, I just wanted to take a moment and thank you for your quick response and assistance with my credit report. Your professional and courteous approach to working with me during my recent transition from home ownership to a rental lifestyle due to the challenging economic time, was appreciated.  I would be sure to recommend you and your business North Shore Advisory to those in need of credit repair.”            

Edie P.-  

 

 

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 Do You Have Any Credit Questions?

Ask Tracy!
Tracy Becker
President
155 White Plains Road
Suite 200
Tarrytown, NY 10591
(914) 524-8300
(914) 524-5014

914-524-8300

 

 

Call Now for a FREE Credit Education Seminar 

 

 

 

 

 

 

 

 

 
 

Is Chicago the Next Atlanta? | Armonk NY Real Estate

Will Chicago be the next big city to witness its housing market implode, virtually without warning?

Friday the Treasury Department set off alarms in the Windy City when it spotlighted Chicago’s housing market in its monthly Housing Scorecard, describing its condition as “continued fragility.”

“Fragile” is not a word Chicagoans like to hear others use to describe their homes.  Within hours of the release of the Treasury Scorecard the Chicago Tribune carried a report on it, noting that it “shines a national spotlight on Chicago and paints a somber picture of President Barack Obama’s hometown.”

In fact, Chicago has been encountering a rising tide foreclosures over the past year, and they’ve had their impact on prices.  The greater Chicago market’s foreclosure count is up 43 percent over a year ago; one in every 302 housing units is a foreclosure, ranking it fourth in the nation, according to RealtyTrac.  With an REO saturation level of 35.7 percent compared to 29 percent nationally and it ranks 13th among Clear Capital’s lowest performing markets, with a median 4.4 percent year-over-year price decline. Moreover, foreclosure processing in Illinois, a judicial state, takes an average of 575 days which means distressed mortgages in Chicago remain unresolved in the foreclosure pipeline 50 percent longer on average than in other cities, the Treasury report said.

While much of the nation’s foreclosure concern has been focused on the Sand States, Chicago has fallen victim to a stuttering economy and a high degree of negative equity. Nearly one in four residential properties in the Chicago six county region is underwater, with just under $25 billion of negative equity. The average underwater property has 31.8 percent more outstanding mortgage debt than the property is worth, according to the Woodcock Institute. In fact, Chicago’s housing market faces a full plate of challenges including a high percentage of distressed mortgages, high vacancy rates, a surge in suburban poverty, as well as severely underwater mortgages.

Atlanta was in virtually the same boat a year ago.  Atlanta shocked many housing economists last year when suddenly the bottom fell out of prices in the wake of economic woes and a flood of foreclosures.

Beset by economic woes and a flood of foreclosures, the Atlanta housing market surprised residents and experts alike when the bottom fell out of prices last year.  In mid-January, the New York Times, citing November 2011 data, called Atlanta “one of the biggest laggards in the economic recovery.”  Atlanta topped all metros in the nation in foreclosures sales during the fourth quarter (6,458) and its foreclosure discount, a sign of instability, was fifth highest nationally, at 48.12 percent.

With a declining December unemployment rate of 9.4 percent, down from 10.2 percent twelve months earlier, Atlanta is moving in the right direction.   Not only is the job market improving, inventories are shrinking dramatically.  The combination of better demand and fewer properties suggests prices will continue in the black for the near future.  Nearly 4,600 of Atlanta’s foreclosures are owned by Fannie Mae and Freddie Mac, ranking it number one in the nation in terms of GSE-owned foreclosures, far outnumbering those in Phoenix, Las Vegas and other major metro areas hit hard by the housing bust, according to a report last month from the Federal Reserve.    Plans by the federal government to sell bulk quantities to investors to rent out may help reduce Atlanta’s foreclosure inventory.

Atlanta still has a ways to go though it’s moving in the right direction.  Its foreclosure rate of one in every 244 homes in February ranks second worse, ahead of Chicago, but foreclosures are down 4.5 percent from where they were a year ago while Chicago’s are up 43 percent.

The Secret to Gaining Influence | Armonk NY Homes

I’ve been thinking for some time now about Klout scores and influence in general.  And just so we’re on the same page, a Klout score is a metric of one’s overall online influence.  The score can range anywhere between 1-100 and is calculated by using over 35 different variables.  According to Klout, this score then represents the degree to which a person engages their audience and also the size of the impact the message has.  Pretty nifty gadget for seeing how different people rate as far as online influence goes.

But then, I was wondering.  Would Klout scores only be valid for online influence, or would it also give us an accurate picture of how influential they are IRL?  In other words, would you be able to roughly assess a persons score in a face to face interaction with them and would that number roughly coincide with their actual Klout score?   We understand that celebrities, athletes, and public figures typically have high scores due to their visibility, but does that make you want to do business with them more than someone with a low score?  Does that make you trust their opinions or recommendations more?  At what point does it begin to become a popularity contest?

To be fair, I’m going further than just talking about Klout scores.  I’m more interested in what it represents.  I perceive someone influential as having the ability to persuade another towards a certain opinion or behavior.  Therefore, should I be interacting with someone truly influential, I should be compelled to take a course of action or espouse an opinion which I wouldn’t consider doing otherwise.  And to do so willingly after a healthy interaction with the influencer.  Think of your best friend inviting you to a movie, even though you really weren’t thinking of going in the first place.  Is she an expert on movies?  Is she coercing you?  Does she have a high Klout score?  As your best friend, all those things are immaterial.  You decide to go, largely because the relationship is there.  In this case, she is your influencer.

After all, you wouldn’t make a decision to date someone based on their Klout score, would you?

Key to becoming an influencer then, is forging relationships.  Often, the focus is on influencing via the various social media tools readily available to anyone with a computer.  A more effective approach would be in utilizing these social media tools to create and foster new relationships and connections, letting the influencing be a natural by-product.  Social networking opens up opportunities for us to connect with those we otherwise wouldn’t be able to connect with.  Just like any other relationship, it takes work, especially online.  But if done with care, these new connections will begin to look to you as their influencer.

I like what companies like Klout are doing, but I think it is one factor out of many when determining influence. The scores help narrow down the field and provide a starting point.  The fact is that social media tools are the way of the future, but they are no substitute for human relationships no matter how sophisticated the metric.

Let me know your thoughts.

Author:      Randy Thio on the Web Randy Thio on Facebook Randy Thio on Twitter Randy Thio on LinkedIn Randy Thio on Google Plus Randy Thio RSS Feed

Randy Thio is Director of Social Media Development at Fanbase Solutions and also a Partner at ideabloke.  We partner up with businesses to customize and manage their social media marketing presence from the ground up.  Find out how a well thought out digital marketing strategy can impact your… View full profile

This article originally appeared on ideabloke and has been republished with permission.

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The Top 10 Qualities of High-Quality List Posts | Armonk NY Homes for Sale

In an online world where the quality of your blog content is only increasing in importance, the fabled ‘list’ post commonly gets a bad rap. It’s unfortunate, but definitely understandable. You can easily drown in a sea of particularly low-quality, low-value lists posts.

But hey — not all list posts have to suck! While there are definitely some pretty awful ones out there, you can also find quite a few very valuable, high-quality list posts floating around the internet. So let’s not judge a list post by its title. I’m a firm believer that the list post does have a place in the world of high quality blog content. And to no surprise, this post about lists posts is largely a list post itself. You can be the judge of its quality, but I stand by my beliefs.

First, let’s talk a little bit about common misconceptions about list posts. Then we’ll dive into the characteristics of high quality ones so you can start squashing the myth that all list posts are subpar … by writing awesome ones!

Common Misconceptions About List Posts

Last week, Daily Blog Tips published an article highlighting some common misconceptions about list posts and explaining why it’s silly to think about list posts in those ways. Let’s quickly review the points the article made:

  1. “List posts are just for lazy writers.” Pish posh! In fact, when done well (meaning it’s not just three, sentence-long points slapped together), a list post can take just as long — if not longer — than any other type of post for bloggers to write.
  2. “List posts aren’t right for my style/niche.” Huh? Why are list posts — a type of post — conceived as fitting only certain industries? A list post could work for any industry, as long as the subject matter and quality fit the audience. 
  3. “List posts have to be really long.” Wrong, wrong, wrong. There’s no rule that your list post needs to be a laundry list of useless information or that it needs to include a minimum number of items. In fact, a super long, 100-point list runs the risk of sounding daunting to readers, deterring them from reading it and turning them away.

The thing is, people love the classic list post! They tell the reader exactly what — and how much of it — they’re going to get out of the post, plus they’re very shareable. They’re also easy to scan, and with so much content available on the web these days, being able to scan a post and still grasp a helpful nugget or two of information is highly valuable. Here are a few examples of the types of list posts we’ve published recently on this very blog, all of which we believe are high quality posts that have performed well in terms of traffic, leads, and inbound links:

Now for the meaty stuff. If you’re convinced that list posts can be a part of your blogging strategy, make sure the ones you publish include these top 10 qualities of high-quality list posts.

1) Includes Items That Stay True to the List Subject/Angle

Sometimes a blogger will start writing a list about one thing, and then when he/she is done, it turns out to be a list that takes on a completely different angle because their research revealed more information about a slightly different subject. The problem is, this new angle is no longer relevant to their audience. Don’t let this happen to you. If, after your initial research, you find that the points you’ve brainstormed don’t fit with the subject you intended, scrap it and move on.

Another common symptom of bad list posts are list items that don’t quite fit with the others. For example, if you notice in this very list post, all of the items on this list are qualities of awesome list post. If one of my points was, in itself, an example of a list post, that wouldn’t make sense, right?  Be consistent and parallel. If you’re writing a list of examples, they should all be examples. If you’re writing a list of best practices, they should all be best practices. It’s easy to stray off-topic when you’re trying to compile a hearty list, but you need to avoid it. Otherwise your list — and your writing — loses its integrity.

2) Dense With Valuable Takeaways (No Fluff!)

The biggest indicator of a lousy list post is one that contains a ton of fluff and no real, valuable takeaways for the reader. Here’s an example of what we mean:

3 Ways to Improve Your Social Media Marketing

  1. Be unique! Do something to stand out from your competitors.
  2. Take risks! Try out-of-the-box ideas.
  3. Measure results! Use your analytics to tell you what’s working.

What a fantastic list post! I’ve learned — absolutely nothing. No wonder list posts have a terrible reputation. That took me 60 seconds to write. Sure, on the surface, each of these list points sound valuable. You absolutely should do all these things in your social media marketing. But it doesn’t tell you exactly how to do those things. Your list shouldn’t just give readers a list of things to do and expect them to figure out how to do those things themselves. It should also walk them through the steps required to actually do those things.

A great list post nixes the fluff and concretely explains each item in detail. And while every point you make on your list might not be new to all your readers, if a reader walks away thinking, “Well, I already put numbers 3, 4, and 6, into practice, but I can’t believe I’ve been missing out on numbers 1, 2, and 5!” — then you’ve probably got yourself a high-quality list!

3) Links to More In-Depth Information When Necessary

One of the ways you can make sure you’re hitting on point #2 is to direct readers to other resources when necessary. Great list posts are comprehensive. It also means they can get pretty long and unwieldy, especially if you’re truly committed to point #2. That’s why sometimes it’s okay if you have to point your readers to another place for more in-depth information. 

For example, we recently wrote a list post entitled, “9 Ways to Make Your Marketing Analytics Actionable.” Number 8 on the list reads “Score & Prioritize Your Leads for Sales,” which could be a blog post in itself — and hey … it is! Giving our readers enough information for that section to be truly helpful would have involved copying and pasting the entirety of that post into our list post, and that wouldn’t exactly have been the most helpful choice. So what we did was explain the point in a moderate amount of detail, and then directed readers to the other post where they could find more in-depth information. 

post resource resized 600

Don’t be afraid to do this in your own list posts. And if you have to link to an external resource because you haven’t the written the post yourself — great! You’ve just passed off some link love, and you also now have another article idea for your blogging backlog! 

4) Explains List Items Using Relatable Examples

Piggybacking again on point #2, sometimes one of the best ways to adequately explain a point on your list is to use an example to support it. Real examples are ideal, but sometimes even a hypothetical works just as great. In fact, we’ve used each of these example types in the first 3 items on this list! The main thing to consider when selecting or concocting an example is to keep it as relatable to your readers as possible. If the audience of your blog is comprised of a variety of readers representing different industries or businesses (like ours), this can be tricky. The key here is to keep your examples general so that everyone can relate. Here comes a hypothetical example to explain what I mean about using hypothetical examples …

In our list post, “7 Keyword Research Mistakes That Stifle Your SEO Strategy,” for example, we use the broad, hypothetical (even mythical!) example of unicorn farms/breeders to more easily explain points 4 and 5 on our list so that everyone could relate.

unicorn examples resized 600

5) Numbered Items

This is an easy one. If you’re writing a list-style post — and especially when you use a number in the title of your list post — number your list items! This is particularly important when you have a longer list, because readers like to be able to gauge their progress as they’re reading through the list (i.e. “only halfway to go” or “I’m almost done!”). Readers may also like to reference certain points on a list later or share them with others, and being able to refer to a specific number rather than having to count themselves and say “it’s the 16th item on the list” is a much more user-friendly experience for your blog audience. Don’t make things difficult for your readers.

6) Includes an Appropriate Number of List Items

While we’re talking about numbers, let’s clear some misconceptions about them. Some list bloggers are of the camp that you should choose a number before you start writing your list and make sure you have enough points to fit that exact number. We are not. Sitting down and saying you’re going to write a list consisting of 14 items makes no sense. What if there really ends up being only 11 truly solid, valuable items that make up that list? Does that mean you should come up with 3 more forced or somewhat repetitive items just to achieve your goal of 14? We think not.

The rule of thumb is: just be comprehensive. This very list post includes 10 items because that’s how many I thought were individually valuable and indicative of a high-quality list post for this particular subject. Originally I had brainstormed 11, but as I started writing, I cut one out because it wasn’t that different from another point, and they could easily be represented as one.

As we mentioned before, list posts can easily become unwieldy. When you sit down to start drafting your list post, decide how granular you want to make your topic. This will help make your list more manageable. The title you craft can also help you stay focused. For example, if you’re a plumber writing a list post about the various ways you can unclog a drain, you might decide to stick to “The Top 4 Ways to Unclog a Drain,” rather than writing a lengthy list post covering “The 50 Different Ways to Unclog a Drain.”

Furthermore, do some testing and research if you want to glean some best practices for your list posts. An internal study of our own blog, for example, revealed that posts for which the title indicated 6 items or fewer didn’t perform as well as when the title indicated the list contained 7 or more items. The lesson? While we sometimes still write lists posts containing 6 or fewer items, we don’t include the number in the title for those posts. For example, our post, “Why Every Marketer Needs Closed-Loop Reporting” is essentially a list post, but it’s not framed that way in the title since it only includes 6 points. Do your own analysis to determine best practices for your business blog.

7) Uses Category Buckets (For Longer Lists)

list categoriesNow, if you had decided to write that list post of 50 different ways to unclog a drain, your list post would look pretty daunting, considering the sheer number of items it would include. In this case, a great practice is to use subheaders to break up your list into categories. This makes the list much more scanable (remember how people love to scan blogs?), and a lot less overwhelming at first glance.

For example, when we published “25 Eye-Popping Internet Marketing Statistics for 2012,” we broke up the statistics into 5 sections: “The Internet in 2012,” “Mobile in 2012,” “Social Media in 2012,” “Video in 2012,” and “Ecommerce in 2012.” If some of our readers didn’t give a squat about ecommerce, they could easily scan the post and avoid that section. Perfect!

8) Contains Logically Ordered List Items

Your list, like any other post you’d write, should flow and tell a story. How you do this will definitely depend on the subject and contents of your list, but here are some great organizational structures to choose from: alphabetical (great for glossaries), chronological (great for step-by-step guides), by popularity/importance — most to least or least to most (great for top 10/20/50 lists). Another best practice is to emphasize your strongest points in the beginning, middle, and end of your list to keep readers engaged throughout.

When I sat down and brainstormed this list, for example, it was just that — a brainstormed list. It was unorganized and all over the place. But once I’d identified all the points I wanted to include, I rearranged the furniture a bit. I realized how easily numbers 5 and 6 would flow into each other, and how number 5 would make sense after discussing points 2, 3 and 4. Number 1 was a great starting point, and number 10 made the most sense last, since that’s likely the last thing you’d tweak when writing a list post. Sometimes your list points will practically arrange themselves (e.g. “5 Steps to Do X”), and sometimes there won’t be as obvious a story (e.g. “20 Ways to Do Y”). Just put the time into figuring it out and ordering your items as logically as possible.

9) Parallel Formatting

I’m not as strict about this one as some list post purists, but in general, I agree that your list post should have a consistent and parallel look. Failing to do so only confuses readers, especially when they can’t tell that they’ve moved onto a new item on the list because the header style was inconsistent or under-emphasized.  

Here are some helpful guidelines to consider:

  • Try to keep sections similar in length.  
  • Use the same header style to highlight your individual list items, and make sure it stands out.
  • Make sure your list item headers are written in parallel fashion (i.e. if it’s a list of action items, each should be led with a verb)
  • Use images and bullet points to break up text when appropriate.

10) Clear and Catchy Title

As we mentioned in the beginning of this post, one of the reasons people have always loved list posts is because they know exactly what — and how much — they’ll get out of them. There is no guesswork involved, and expectations you’ve set for your readers are very clear. Make sure your title epitomizes that. An effective list post title should accomplish two things in order to entice readers to actually read the post: 1) capture the readers’ attention and 2) clearly indicate the value or what the reader will learn, and 3) indicate how much they will learn with a number.

For example, earlier this week, we published “The 7 Aspects of Inbound Marketing Most People Screw Up.” Do you have to wonder what this post will be about? No! You know that after reading this post, you’ll know which 7 parts of inbound marketing people tend to screw up so you can avoid screwing them up, too. And chances are, you probably don’t like to fail, right? So you’re probably kind of intrigued to learn if you’re one of “most people” and, if so, what you should stop screwing up.