The Mortgage Pre-Approval Process

mortgage

A mortgage pre-approval process helps you determine how much home you can afford and shows sellers that you’re a serious buyer. This step is best taken early on in the homebuying journey.

It involves a comprehensive review of your income, assets, and debts by a lender. Read on or call Steve Wilcox W/Primary Residential Mortgage, Inc. to know more about what to expect.

mortgageCredit Score

A mortgage preapproval process can give you a clear picture of how much you can afford and help you focus your home search. It can also help uncover any issues you might want to address before beginning the homebuying journey.

During the mortgage preapproval process, lenders typically pull your credit report to determine whether you qualify for a mortgage and what loan amount you might qualify for. Your credit score is a number that indicates to lenders how likely it is that you’ll repay your loan. The higher your credit score, the less risk you pose to lenders and the more likely you are to receive a lower interest rate.

However, it’s important to note that when you apply for a mortgage preapproval, your lender will do what’s called a hard inquiry on your credit report, which can have a slight impact on your credit scores. That’s because hard inquiries indicate that you are shopping around for a new line of debt. If you do too many hard inquiries in a short period, your credit score may drop temporarily. However, these impacts are generally short-lived and your credit score will rebound within a few months.

In addition to your credit score, lenders consider other factors when determining your mortgage eligibility, including your income and debt-to-income ratio (DTI). Your DTI is a calculation of your monthly debts divided by your monthly income. Lenders use this to ensure that you can comfortably afford the mortgage you’re applying for.

The lender will also want to see your financial documents, which include bank statements, pay stubs, and tax returns. Many lenders can pull these directly from your online banking accounts, but others will require you to bring them in person.

Before you apply for a mortgage, it’s a good idea to take steps to improve your credit score and prepare other necessary documents. This will help you get through the mortgage preapproval process as quickly and smoothly as possible. You should also avoid applying for any new lines of credit or transferring balances between credit cards in the months leading up to your application.

Debt-to-Income Ratio

Your debt-to-income ratio, or DTI, is another important factor in the mortgage pre-approval process. This figure is calculated by adding up all of your monthly minimum debt payments and dividing them by your gross (or pre-tax) income. Lenders use this number to determine whether or not you are financially stable enough to add a home loan to your existing debt obligations.

A high DTI can cause serious problems for your mortgage application, even if you have a high credit score and steady employment. In fact, according to NerdWallet, DTI is the most common reason for mortgage denials. To prevent this from happening, you need to understand how lenders calculate your DTI and what you can do to improve it.

DTI is calculated by dividing your total monthly recurring debt payments, including your mortgage, car payment, student loans, and credit card bills, by your gross (or pre-tax) monthly income. However, this figure doesn’t include any other regular monthly expenses, such as utilities, food, transportation costs, and health insurance.

The calculation is fairly simple: you just need to add up all of your recurring debt payments and divide them by your gross monthly income. For most borrowers, a DTI of 43% or lower is acceptable. However, some lenders may be willing to work with higher DTIs.

Having a high DTI can make it harder to qualify for a mortgage, but it’s not impossible. If you have a high DTI but have a strong credit score and consistent earnings, there are several ways to improve your ratio. For example, you can try to pay down your existing debts or find a lender that will accept a larger down payment.

DTI is an especially important factor if you’re planning on getting a government-insured mortgage, such as an FHA or VA loan. These types of loans typically have stricter DTI requirements than conventional mortgages. In addition, you may need to provide more documentation of your income and assets to qualify for a government-insured mortgage. As a result, you should start the mortgage pre-approval process early to ensure that you meet all of the requirements.

Down Payment

The amount you pay upfront to purchase a home can impact your mortgage pre-approval process. Lenders take into account a potential borrower’s down payment as they evaluate the overall financial picture, including their credit score, income, and debt. They also look at the type of property they’re interested in purchasing and the loan term, such as a 30- or 15-year mortgage.

A down payment consists of money the borrower puts toward a property’s purchase price, along with other costs associated with the transaction, such as closing fees and prepaid expenses. The lender will use the buyer’s down payment percentage to help determine their maximum loan amount and interest rate. Generally, the higher the down payment, the lower the total cost of the loan.

During the pre-approval process, lenders will review documents such as tax returns and paychecks to verify a borrower’s income and assets, such as cash in the bank or investment accounts and real estate holdings. They will also run a hard credit inquiry and pull the borrower’s FICO score, which is typically between 300 and 850. They may also look at other financial data, such as the amount of debt the borrower has and their debt-to-income ratio.

Once a potential borrower has been preapproved, the lender will issue a letter that details how much they can afford to borrow as well as their estimated monthly payments. The letter typically has an expiration date that varies by lender, which is why it’s important to shop around before choosing a mortgage. A buyer should compare the fee structures, loan terms, and customer service offered by each lender before making a decision.

A buyer’s mortgage pre-approval is not final until the borrower has found a property and made an offer. Once the lender has completed its due diligence, such as a home appraisal and a title search, they’ll then issue a commitment letter that seals the deal on the loan and allows the borrower to proceed with closing the home.

It’s possible to get preapproved for a home loan without having found a property, but this is not ideal. The process of getting a mortgage can be lengthy and complicated, and some circumstances could stand in the way of approval.

Closing Costs

Closing costs are fees charged by lenders or third parties at the time you close on a mortgage. They typically include attorney fees, underwriting, and home appraisal fees. They can also include title insurance and transfer taxes. Closing costs typically total between 2% and 5% of the loan amount. Closing costs vary by location and can be influenced by local taxes and fees.

These fees are charged to cover the cost of preparing your loan documents and verifying your information. These fees may be charged as a flat fee, or they may be based on a percentage of your loan size. For example, underwriting fees are typically 0.25% to 0.50% of your loan size. Other closing fees may include a survey fee, which goes to a company that surveys your property to confirm land ownership records, and a county recording fee of around $125. In some states, you will pay a transfer tax, which is a local government charge for transferring ownership of the property to you.

While you can’t avoid paying closing costs, you can try to minimize them. For instance, you can reduce your loan origination fees by shopping around and comparing rates. In addition, you can choose to purchase a co-op instead of a single-family home to reduce title insurance and transfer taxes. You can also negotiate with the seller to pay some of your closing costs, known as seller concessions.

You might be able to roll some of your closing costs into your mortgage, but this is only possible if you are buying a home and can afford the additional loan amount. Otherwise, you can expect to pay these fees out of pocket.

Getting pre-approved for a mortgage is an important first step in the home-buying process. The pre-approval process can help you determine how much loan you can afford and what your credit profile looks like to a lender. This will be crucial when you start the home-buying process and can save you money by avoiding overpaying for a home or accepting a higher interest rate. If you have questions about the mortgage preapproval process or your financial situation, contact a loan officer at a reputable lender for help.

What Is Web Development?

Web Development

Web development is a broad field that encompasses technical elements like coding and programming as well as more creative aspects like design and user experience. It also involves planning and testing.Web Development

Websites are stored on servers, which connect to a giant network called the Internet. Browsers are programs that load websites from these servers. The front end of a website is made using HTML, CSS, and JavaScript. Visit https://www.rankboss.com/ to learn more.

HTML is the foundation of every website. Its code consists of tags that indicate how web browsers should display page elements, such as text and hyperlinks. It also makes it possible to create and structure paragraphs and sections in a document.

HTML was first developed in the 1990s. It is the bare minimum of what is needed to make a website. It is possible to make a complete website using just HTML, but it would not be very attractive. It is best used as a base to add style and functionality using other programming languages, such as Cascading Style Sheets (CSS) and JavaScript.

Websites are stored on servers, which are computers connected to a giant network called the Internet. To view a website, a user needs a special computer program called a browser. This program translates the files of a website into a format that the user’s computer can understand. The browser then sends this information to the server, where it is displayed to the user.

A well-designed website can be a game-changer for any business. A site that loads quickly and looks modern can reel in new customers, while a site that is difficult to navigate or has outdated content can cause businesses to lose sales. For this reason, web development is a growing field with many career opportunities. It can seem daunting to jump into the world of web development, but a little bit of knowledge can help you get started. Web developers are broken down into two groups: front-end and back-end. The front-end developers are responsible for design and layout, while the back-end developers take care of functionality and interactivity.

CSS

CSS is a web development language that allows developers to create and customize the look of their websites. It is also a key component of responsive design, which ensures that websites are mobile-friendly and accessible on any device.

Prior to the introduction of CSS, formatting HTML text was a long and labor-intensive process. CSS has enabled web designers to add distinct layouts, animations, and typography designs to their websites, which have made them more appealing and user-friendly. This has reduced the overall time and cost of web development, making it a valuable tool for businesses.

In addition to providing a more appealing aesthetic, CSS is also useful for making websites more functional and user-friendly. For example, it can be used to create a grid-based layout that adjusts to different screen sizes. It can also be used to specify the size of the text and its fonts, as well as the colors and backgrounds that will be displayed on the page.

As a web developer, it is important to be familiar with the latest trends in technology. New languages and tools are constantly being developed, and it is important to stay up-to-date on these changes. This will allow you to develop websites that are current and appealing to your target audience. It is also a good idea to attend webinars and conferences to keep abreast of the latest developments in web development.

Web development is an interesting and rewarding career path, but it requires a lot of hard work and time. To start out, you’ll need to master the basics of HTML and CSS. From there, you can work your way up to more advanced concepts such as front-end frameworks and libraries. There are plenty of online resources that can help you learn these concepts, such as the free 5-day coding course from CareerFoundry.

JS

JS is one of the most powerful tools in a web developer’s toolbelt. It allows developers to create interactive and dynamic websites that make the internet more enjoyable. It is used for a wide range of applications, including mobile development and gaming. JS also has a number of ready-to-go frameworks and libraries that can save a lot of time and money for a developer.

Basically, JS is the engine that makes the web work. It is the client-side scripting language that powers all major browsers. Web pages are written in HTML, which the JavaScript engine translates into a visual display on the screen. It also has the ability to interact with the Document Object Model API, or DOM, of an HTML page.

JavaScript was invented in 1995 by Netscape programmer Brendan Eich and was originally named LiveScript. It was renamed in 1996 to capitalize on the popularity of the Java programming language. Unlike other programming languages, JavaScript is interpreted, which means it doesn’t need to be compiled before it can run.

It is a general-purpose programming language that includes multiple features, such as variables, operators, comments, and events. It can be used to perform calculations, network requests, concurrent tasks, and more. It can even be used to create digital art.

Web application development is another popular use for JS. It can be used to create complex web applications that run in a user’s browser, which is more efficient than running an entire server-side application. It is also used to create games on the web, such as Tower Building, CrossCode, and HexGL. The combination of JS and HTML5 has allowed the creation of complex games without the need for additional plugins like Flash.

PHP

PHP (Hypertext Preprocessor) is an open-source programming language used to create dynamic web pages and applications. It is easy to integrate with CMS programs and is highly compatible with most Web servers. It also offers fast load times for websites, making it a great choice for businesses looking to create a modern, feature-rich experience for their customers.

While new programming languages have emerged, PHP remains the most popular and flexible web development tool. It is a server-side scripting language that can be embedded in HTML and can connect to databases, allowing web developers to make interactive content. It is known for its scalability and speed, which makes it ideal for creating websites that require database connections.

Compared to other scripting languages, PHP is relatively easy to learn and use. It is also platform-independent, meaning that it can be used on any operating system. In addition, it is compatible with all major Web servers. Furthermore, PHP code is short and easy to read, and it comes with many tools that help you understand your website’s performance and make improvements.

In a digital world where users have an attention span of just 6–8 seconds, website speed is crucial to your business’s success. A slow website will drive visitors away and cause them to search elsewhere, so it’s important that your site is built on a strong foundation. PHP offers a wide array of frameworks that allow you to build solutions in less time than traditional coding. These frameworks are ready-made templates that provide different types of functionalities for your website or application. They include features such as security, form handling, data processing, and more.

MySQL

MySQL is one of the most popular database software platforms. It is used on countless consumer-facing websites as well as business-critical B2B services. Its open-source nature, stability, and rich feature set, paired with ongoing development from Oracle, have made it the choice of many web developers and organizations.

MySQL provides users with a powerful and secure database that can handle large amounts of data and is easy to use. It has a wide range of features, including SQL querying, replication, partitioning, and multi-site support. It also supports Java databases through a JDBC driver, which enables web applications to communicate directly with a MySQL server using Java code understood by the database server.

The power and versatility of MySQL make it an ideal choice for any web application. However, it is important to consider the needs of your web application before deciding which type of database is best suited for it. Depending on the complexity and amount of data required, different types of databases may be better suited to specific tasks.

MySQL is a relational database management system (RDBMS) that runs on Linux, UNIX, and Windows. It uses Structured Query Language (SQL) as its primary query language. Its popularity is mainly due to its availability on many platforms, its high performance and scalability, and its security features. In addition, it is compatible with a variety of programming languages and systems, making it a highly versatile option. This makes it a good choice for businesses looking for an affordable way to develop their Web applications. It is also a great option for individuals who want to create e-commerce sites and other database-driven websites. It is important to remember that the database must be closed when you are done using it to free up resources.

How Link Building Can Help Your Website Rank Higher in the Search Engine Results

Link Building

Link building is a process that is designed to help a website rank higher in search engine results. The aim of link building is to get as many inbound links to a webpage as possible and to increase the quality of those inbound links.Link Building

Guest blogging for link building is a great strategy to generate organic backlinks, boost SEO, and increase brand awareness. In order to successfully engage in guest blogging, however, you’ll need to follow a few guidelines. 

First, be sure to research the host’s website and guest blogging policy. Some sites will require you to edit or delete your post, and others will ask you to remove your link.

Second, make sure your article has valuable content. This is crucial, as your readers are likely to only click links that they find useful. Also, consider the type of audience you’re targeting. If you’re writing for health bloggers, for example, you’ll want to create only relevant backlinks.

Third, be aware of the rules of Google’s backlink policy. These rules can be broken down into four major categories. Each of these categories has specific criteria for guest blog posts.

Fourth, be sure to target websites that have high Domain Authority. You can do this by using a tool such as Pro Rank Tracker. This allows you to analyze your competition and see how your competitors’ search rankings are improving.

Finally, don’t forget to reach out to the website owner. This is a great way to build relationships and create authority. While you don’t have to explicitly ask for a link, you should offer to advertise the host’s website on social media and other platforms.

Lastly, be sure to write a strong guest post. Don’t let yourself get stuck in the trap of rehashing information. Instead, be able to create something new and informative. It’s important to be able to show your readers that you’re knowledgeable.

As a result, you’ll be able to increase traffic to your site, gain brand exposure, and boost your SEO ranking. Plus, it can shorten your sales cycle.

A list of posts to build links to is a useful way to boost your rankings on Google’s search engine. It is a good idea to focus your efforts on popular and authoritative directories. This will get you on the right side of the PageRank ladder, as well as boost your online brand image. You might want to consider using a link prospecting tool to help you with the research.

In addition to linking to a few other blogs, you might want to use a web monitoring tool to alert you when a new article is published on your site. If you don’t do this, you may find yourself missing out on new content on your blog. The best bet is to set up a daily email notification.

You can also use a link prospecting tool to find links on your competition’s blogs. There are many tools on the market, but one that is designed for use by individuals is the easiest to implement. Using this software will save you hours of research time, and you will be able to get a jump on the competition.

Another way to boost your rankings is to create a sitemap. Doing this will ensure you are indexed by Google, which will make it easier to build links in the future. Lastly, consider manually linking to your favorite articles as well as adding links to relevant internal pages. For instance, if you have a page about the best places to buy a used car, you might want to include a link to a site that reviews a car’s history. Hopefully, this will get people to take your advice and visit your website in the future.

Resource pages are a great way to build your backlink profile. They are often a compilation of the best sites in a particular niche. Getting your name and website on these resource pages can lead to a boost in your search engine rankings and targeted traffic.

To find these pages, you can use Google. You can also search with a site explorer like Ahrefs. This tool will search the web for you and provide you with hundreds of relevant pages that have been vetted for SEO metrics.

In addition to the usual link-building methods, you can improve your visibility by submitting your work to reputable link sites. These services can help you gain more links, as well as establish your brand and generate valuable referrals.

Incredibly Useful Article Marketing Tips To Help Your Business Grow

 

There are a lot of article marketing tactics out there that you really don’t know about, but that’s not because they’re too difficult to learn. The truth is that most resources you check out just push the same old lines at you. In this article, we’ll cover some things about article marketing that you won’t find anywhere else.

 

A great way to market your blog on the internet is by submitting articles to other websites under your “nom de plume.” The significance is two-fold: first, you will build your reputation as an expert in your field. Second, if readers become fans of your articles on one site, they will eventually migrate to your blog to read more of your content.

 

Writing a business-related blog helps emphasize your expertise. Use your blog to post insightful articles that reflect your reliability, expertise, wittiness and professionalism. Discussing current trends will help potential customers to see you are up to date.

 

Submit your articles to directories and blog networks too. Blogging is very popular and a good blog can drive major traffic to a site. Remember to include your details with each article you submit, and people will visit your site as well as the blogs.

 

Draw your readers in by asking a question. Using question words in your title can be a quick way to grab someone’s attention. Keep their attention by attempting to completely answer the question you previously asked, or you may end up with some frustrated readers, who will turn elsewhere for a better response.

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Ceiling Fan Installation – The Easiest Way to Install a Ceiling Fan

The easiest way for Ceiling Fan Installation is by following the instructions that came with the fan. First, check that the mounting bracket is securely secured to the ceiling. If the ceiling is flat, you can leave the mounting bolts in the box. If it is sloped or has a steep angle, you must install a particular download and use a special screwdriver to fasten it. Once it is securely installed, you can start installing the fan.

Then, install the light kit and motor. You can buy a ceiling fan and light kit together, which will save you a lot of time. This kit has a built-in electrical box. Then, you need to mount the light kit, the blades, and the motor assembly. This step will require a few tools, and you should have a helper to assist you. Remember that you should do it by yourself.

You’ll need a ladder to reach the mounting bracket and motor assembly. A stepladder is required if your ceiling is nine feet high, but a 10-foot one is also appropriate. Ensure that you’re using a testing device to verify no power on the electrical panel. Make sure that the switch is off as well, since a wall switch cannot protect you from electrical shock. You should also wear safety glasses or dusk mask when working with electrical wires.

You’ll need to take the blades off and put them in place. If your ceiling fan doesn’t have quick-install blades, you’ll have to screw the blades onto the brackets. The blades must be facing upward when positioned correctly. Those with accu-arm blade brackets come with screws already attached. You’ll need to use a screwdriver that has a slow speed so as not to strip the mounting holes. Once you’ve got the mounting bracket and the blades installed, you’ll need to add a light bulb and globe.

You’ll need an electrical box for your ceiling fan. The box should be fan-rated. Then, you’ll need to install the wall control receiver. Finally, you’ll need to install the fan’s blades. Next, you’ll need to attach the switch to the ceiling. If you have an angled ceiling, you’ll need to use an angled mount kit. Similarly, you should connect the downrod with the switch.

Once you’ve installed the ceiling fan, it’s time to install the switch. You’ll need to run electrical wires to the ceiling fan and connect it to the wall. After this, you’ll need to install the wall control receiver and mount the blades. If the fan is powered by an existing fixture, you can replace it with the new one. You may need to change the light bulbs after the installation is finished. There are several things that you’ll need to consider before attempting to install the ceiling fan.

You’ll need to get a permit before you install the fan. It’s easy to do yourself if you know how to use a ladder. Just make sure you’ve done enough research and don’t forget to get a license before you start wiring. Otherwise, it will be hard to install a ceiling fan in a home without a license. Then, you’ll need to install the switch leg and the light kit.

You’ll need to install a switch leg. The switch leg is the wiring that connects the ceiling fan to the wall switch. It’s essential to hire a licensed electrician for this job because you don’t want to damage the drywall. When you’ve purchased the electrical box, you’ll need to mount the fan with screws. You’ll need to thread the main wires through the mounting bracket. If you have a metal box, you can use it to secure the fan to the ceiling.

The next step is to install the ceiling fan. Before installing the fan, you’ll need to install the mounting bracket. You can do this by following the steps of the ceiling, such as installing the ceiling joist and the mounting bracket. Then, you’ll have to run the wires into the fan’s motor. Once this is done, you’ll need to mount the blades. You should make sure that they are level.

Ceiling Fan Installation – The Easiest Way to Install a Ceiling Fan

The easiest way for Ceiling Fan Installation is by following the instructions that came with the fan. First, check that the mounting bracket is securely secured to the ceiling. If the ceiling is flat, you can leave the mounting bolts in the box. If it is sloped or has a steep angle, you must install a particular download and use a special screwdriver to fasten it. Once it is securely installed, you can start installing the fan.Ceiling Fan Installation

Then, install the light kit and motor. You can buy a ceiling fan and light kit together, which will save you a lot of time. This kit has a built-in electrical box. Then, you need to mount the light kit, the blades, and the motor assembly. This step will require a few tools, and you should have a helper to assist you. Remember that you should do it by yourself.

You’ll need a ladder to reach the mounting bracket and motor assembly. A stepladder is required if your ceiling is nine feet high, but a 10-foot one is also appropriate. Ensure that you’re using a testing device to verify no power on the electrical panel. Make sure that the switch is off as well, since a wall switch cannot protect you from electrical shock. You should also wear safety glasses or dusk mask when working with electrical wires.

You’ll need to take the blades off and put them in place. If your ceiling fan doesn’t have quick-install blades, you’ll have to screw the blades onto the brackets. The blades must be facing upward when positioned correctly. Those with accu-arm blade brackets come with screws already attached. You’ll need to use a screwdriver that has a slow speed so as not to strip the mounting holes. Once you’ve got the mounting bracket and the blades installed, you’ll need to add a light bulb and globe.

You’ll need an electrical box for your ceiling fan. The box should be fan-rated. Then, you’ll need to install the wall control receiver. Finally, you’ll need to install the fan’s blades. Next, you’ll need to attach the switch to the ceiling. If you have an angled ceiling, you’ll need to use an angled mount kit. Similarly, you should connect the downrod with the switch.

Once you’ve installed the ceiling fan, it’s time to install the switch. You’ll need to run electrical wires to the ceiling fan and connect it to the wall. After this, you’ll need to install the wall control receiver and mount the blades. If the fan is powered by an existing fixture, you can replace it with the new one. You may need to change the light bulbs after the installation is finished. There are several things that you’ll need to consider before attempting to install the ceiling fan.

You’ll need to get a permit before you install the fan. It’s easy to do yourself if you know how to use a ladder. Just make sure you’ve done enough research and don’t forget to get a license before you start wiring. Otherwise, it will be hard to install a ceiling fan in a home without a license. Then, you’ll need to install the switch leg and the light kit.

You’ll need to install a switch leg. The switch leg is the wiring that connects the ceiling fan to the wall switch. It’s essential to hire a licensed electrician for this job because you don’t want to damage the drywall. When you’ve purchased the electrical box, you’ll need to mount the fan with screws. You’ll need to thread the main wires through the mounting bracket. If you have a metal box, you can use it to secure the fan to the ceiling.

The next step is to install the ceiling fan. Before installing the fan, you’ll need to install the mounting bracket. You can do this by following the steps of the ceiling, such as installing the ceiling joist and the mounting bracket. Then, you’ll have to run the wires into the fan’s motor. Once this is done, you’ll need to mount the blades. You should make sure that they are level.

Wrapping up 2021 with our top 10!


30-second summary:

12 months, several curveballs, and some masterstrokesIf you missed out, today is a great day to look through the Search Engine Watch lens for the year gone byKey themes that were front of mind in 2021 – Google’s updates, cookie death counter-strategies, mastering customer experience elements, trust-building, and alternatives for search marketing and ranking

As the world, people, and of course businesses motored through a year of uncertainties – these crackers of articles gave your strategies an unfair advantage.

#1 – Google Page Experience update is all set to launch in May 2021 – Webmasters, hang in there!

You asked, “What is Page Experience, anyway? Do we really need to have an overflowing to-do list?” – and we answered everything around this enigma. This piece touched upon every aspect, angle, and action point that SEOs needed to know.

#2 – The search dilemma: looking beyond Google’s third-party cookie death

The ad tech and search industry continued to remain precarious that Google will use the cookie deprecation as a new way to establish market dominance to feed its own interests. Google expert, Susan Dolan drew from her rich experience and detailed realities of the search scape. She also shared insights and predicted future key themes that rose out of the 3p cookie death.

#3 – Everything you need to know about the Google MUM update

As the industry bid farewell to BERT, Google’s Multitask Unified Model (MUM) update in June 2021 opened new search experience dimensions. The cranked-up competition for search visibility between businesses and advertisers – left SEO practitioners and agencies with yet another burning question, “How will we win MUM’s good graces?” Joe Dawson’s comprehensive guide left no stone unturned.

#4 – Why killing your content marketing makes the most sense

“Kill your darlings”, yes, we said it! Though it sounded outlandish, this piece held wise and valuable advice from best-selling author Joe Pulizzi on why this could be one of the best business decisions you could’ve made in 2021.

#5 – Quora and Reddit: Powerhouses for SEO and marketing in 2021

Everyone is obsessed with Google, but did you know Reddit is the seventh most popular website in the US while Quora has a DR of 91? This guide shone a light on how your search strategy could take advantage of these platforms with diversification, tap into great brand-building opportunities, and enhance your E-A-T standing.

#6 – Now is the best time to stitch your search marketing loopholes before 2022

The third-party cookie still stands at a crucial intersection between digital marketing, SEO, paid media, web design, and several business tangents. The industry needed to think hard and think differently for a contingency plan. SEO pioneer, serial entrepreneur, and best-selling author, Kris Jones helped weave a tight SEO and search marketing strategy way ahead of 2022. Why? Because a stitch in time saves nine.

#7 – Seven first-party data capturing opportunities your business is missing out on

The internet continued zigging in a privacy-focused direction as a response to consumers’ increasing demand for a transparent, responsible, and ethical outlook towards their data. First-party data became indispensable and consumer trust, invaluable. While the playing field inched closer to the great reset, we revealed some hidden first-party gems every business could use to redesign their search marketing strategies.

#8 – UX: an important SEO ranking factor

The story of SEO and UX began almost 20 years ago with both making a foray into the market in the 1990s. Since then, SEO practitioners saw seasons change and the Page Experience, paired with data analysis finally etched UX as a key ranking factor. Atul Jindal condensed years of his experience working with fortune 50 companies into this SEO guide to help you win at SEO and search experience.

#9 – Cross-channel marketing: why you shouldn’t put all your eggs in the Google basket

The pandemic didn’t let us forget that while every business is unique, budgets too took a hit, making allocation stringent. But why did so many businesses still stick to the “big guns” when allocating spending? Adzooma CEO Rob Wass and Cambridge University’s Akanshaa Khare joined forces to challenge this notion. They produced some truly unique insights that would make stakeholders rethink their media spending habits.

#10 – Core Web Vitals report: 28 Ways to supercharge your site

Everyone remembers the chaos surrounding the Core Web Vitals in early 2021. SEO folks were keen to get ahead on optimizing their site and Twitter threads were full of speculation. Armed with information, we shared a 28-point checklist on action items to spot, optimize, and embrace the inevitable rollout of these new ranking factors.

Thank you for being valuable supporters throughout our journey. Team Search Engine Watch wishes everyone a happy year-end and an adventurous 2022!

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How to optimize keywords and SEO titles with popular keywords

30-second summary:

Title optimization of articles, blogs, or webpages is critical to get traffic and earn money from Adsense and affiliatesThe standard advice is to stick to one keyword phrase per page to maintain strict relevance and avoid getting penalized for keyword stuffingAdding extra related keywords, however, apart from the modifiers and words to create a sensible title has the potential to get more traffic to websitesHere are some good insights and tips on how you can optimize your keywords titles

Optimizing titles of articles, blogs or webpages is critical for getting traffic and earning money from Adsense and affiliates. The standard advice is to stick to one keyword phrase per page to maintain strict relevance and avoid getting penalized for keyword stuffing. But adding extra, related keywords, apart from the modifiers and words to create a sensible title, has the potential to get more traffic to your site.

In this article, I’ll review, my own experience in crafting carefully multiple keyword titles.

Keep the title short – one keyword phrase to a page

As a golden tip, start targeting individual keywords on separate pages and use multiple pages for related words. General landing pages for mixed or general topics generally will not work because you will not be able to compete for popular single keywords without adding phrases for longtail titles. The general advice is that you should keep the title short (less than 70 characters) and only target perhaps two or three primary keywords that are highly relevant to the content of the page and its objective. You can of course develop long-tail keywords that include your primary keywords plus a series of modifiers to make a ‘sensible’ title that makes sense to humans and the test the bots use to evaluate your sites.

void keyword stuffing

There is a lot of information on the dangers of keyword stuffing, which means over-use of your keyword or keywords in the title, description, and the body copy. Google invokes a penalty for keyword stuffing, though the threshold keyword density is not exactly known. There are various tools for counting keyword use frequencies. Keyword Density is simply measured as the relative number of times your search term (Keyword or Keyword phrase) occurs as a percentage of the total number of words on a given page. The ideal Keyword Density must not be greater than 5.5 percent. But various search engines have different thresholds before they apply penalties. Reasonably, high Keyword Densities can help boost page rankings but you don’t have to overdo it.

Keyword Density can be boosted by using your keywords repeatedly in the:

Title tagHeader tagComment tagBody tagAnchor tagImage tagAlt tagDomain name, andParagraph tag

Another general piece of advice for titles is not to exceed using the identical keyword in the title more than twice.

How Google and other search engines crawl and rank your keywords in the title

It is not widely understood, but Google and other search engines register and rank every individual keyword in your title and every combination – including various orders and positions for the keywords. Although there is a priority for phrases with the keywords in the order they are in the Title, and for words that appear first, Google will register all the keywords and phrases and derive a ranking for them.

Dilution of the weight of the keywords in the title

Google also appears to regard long titles as more likely to be Spammy (especially very long titles). Longer titles may also appear keyword-stuffed. Research has shown that the first keyword in the title has the highest weight; the second keyword has somewhat less weight and so on. By adding more words you may dilute the weight applied to each of them. For targeting two-word searches and phrases, it is important to keep keywords close to each other and in their ‘natural’ order. Try to match the likely order of the terms in the search phrase, to the order in the title.

Use multiple keyword phrases multiply your traffic

If Google derives a rank for all the words in the title, surely, by including two or three keywords rather than one will be more likely to get more traffic. The traffic for each word should add up and multiply. Understanding when this is appropriate and when it is not is the crux of optimizing titles. As explained previously the weight or value of the keyword appears to fall rapidly as you move from the first word to the last. More keywords appear to dilute the weight given for each word. Also, there is the important issue of relevance. Your page may be penalized if the words you use are not highly relevant to the content of the page.

The key aspect is competition – only use a single phrase if the competition is high

If there is a lot of competition for a keyword then it is best to only use a single keyword or phrase. Stick to the keyword phrase you have found using the Google Keyword Planner for use in the title. You know the statistic and competition for that exact phrase and it is unwise to fiddle with it. Various tools can be used to estimate competition for the phrase and the likely traffic. The Keyword Research tool shows how even minor changes in the phrase can dramatically affect traffic and competition.

If the competition is high you have to maintain the strength of your page and title to compete. Adding extra phrases will dilute the weight applied to the keyword. You will be competing against pages that are likely to be strongly targeted on that keyword phrase as well. You could lose the battle if you don’t have that singular, highly focused title for the keyword.

If there is moderate competition enrich your title with more keywords

For moderate competition, there are several ways you can go to use multiple keywords in the title.

1. Use two or more Modifiers

The solution to not duplicating the keyword is to add one or two extra modifiers or action words. If you look at the competitive keyword phrases shown by the Google Keyword Tool you will often find that two phrases look promising that both contain the primary keyword or phrase.

[action word 1 keyword] + [keyword action word 2] = [action word 1 keyword action word 2]

Let’s say, for instance, you are after a keyword title for your article about Green Tea health benefits and you want to use a longtail keyword narrowing the search to extracts. The obvious solution is:

Health Benefits of Green Tea Extracts

This provides a title for four phrases

Benefits of GreenHealth Benefits of Green TeaGreen Tea ExtractsHealth Benefits of Green Tea Extracts

Another example is a title about Professional Make-up Artists

Reviews of Professional Make-up Artists + Make-up Artist Portfolios = Reviews of Professional Make-up Artist Portfolios

This makes the title target four phrases in one:

Reviews of Professional Make-up ArtistsMake-up Artist PortfoliosProfessional make-up artist portfoliosReviews of Professional Make-up Artist Portfolios

In both cases, this very simple tactic makes it possible to create a short concise title that is enriched by optimizing it for more than one key term and narrowing down your target audience. Perhaps your article is about creating portfolios and how to find and review make-up artists and this title targets these keywords. Of course, it is often hard to find word combinations similar to these and it emphasizes that title design is a real art. These examples also show how the use of action keywords and modifier phrases to target buyers who are ready to buy, which will fulfill the aim of your website.

2. Long tail action based keyword choices

Long-tail titles using action words are generally more effective, as action-based queries usually attract users that have already got their credit card out and are hungry to find what they want and to buy it. Targeting your audience will lose part of the potential audience but the ones you have filtered for will be more likely to buy.

The role of SEO title optimization is to enrich the keywords in the title that potential buyers might use when conducting a search to target the group that is interested in your product or services.

The best strategy is to build the longtail keyword title, not by using poorly selected action words as modifiers, but by researching the action words and phrases as well for maximum benefit.

Combine competitive keyword phrases to enrich the title

The Google Keyword Planner Tool might show two promising keyword phrases essentially related to the same topic. Let say, for instance, that you are trying to market green tea extracts using their health benefits, particularly to help people having issues with losing weight. The Google Keyword Planner Tool shows three competitive phrases

green tea health benefitsgreen tea extractgreen tea health benefits for weight loss

These phrases can be combined in ways that retain the order of the words (with green tea as the first phrase) but allow all these phrases to work in your title.

For example

Green Tea Extract: Health Benefits for Weight Loss

This longtail keyword is optimized for all three competitive phrases.

The ideal separator for two phrases

What is the ideal separator when using multiple keyword phrases? It does not really matter. You can use a pipe (|), a colon (:) a dash (-), or a comma (,)

However, don’t use the underscore ( _ ) as search engines don’t recognize it as a separator. These characters have no ranking benefit, but they help make your title readable.

Dealing with plurals and synonyms

In some cases, you may want to expand the keywords in the title to include plurals, synonyms, and other expressions for your topic. For example “architect supply”, “architectural supplies” and “technical drawing equipment” essentially deal with the same topic. You will need to craft the title to include these variants if you can.

For example: “Architectural supplies: Technical Drawing Equipment for Architects”

One of the potential dangers with targeting a single term in your title is that it creates a tendency for over-optimization, even when it’s not intended. You may use that single keyword everywhere on your page. If you include variants this is less likely to happen.

Don’t overdo it!

You need to be careful because adding more keywords can mean that each of them will have less and less impact. The more you try to stuff extra keywords into the less natural it is going to sound. For example, if you use the following title it will appear in the search results as –

Cheap Coffee | Gourmet Coffee | Ground Gourmet Coffee

Google won’t like it as it will be interpreted as keyword stuffing. Your potential customers won’t like it because they will see it as unnatural and likely to provide useless promotional material

Much better would be:

Low Price Ground Gourmet Coffee and Fresh Roasted Bean Suppliers

Which version looks better in the search results? Which one is less likely to be seen as keyword stuffing and deception?

If you have a keyword ‘Recycling Information – How And Where To Recycle

What if you want to optimize an article for the keyword “Recycling Tips” as well?

You could build a title such as

Recycling Information – Recycling Tips – How and Why Recycling is Better

But this is clearly keyword stuffing and Google will probably penalize it.

A better option is

Recycling Information – Tips, Tricks and How to Recycle

You can see that your second keyword recycling tips is in the title, but with the keyword word information in between. This will be slightly less effective but Google will still list you page for the keyword Recycling Information – Tips. If you look at the search results where the matching keywords are shown in ‘bold’, you will notice that this often occurs even for pages that appear high up in the search results.

Final thoughts

Building traffic is important, but it is conversion rates that really matterThe keyword “tail” should not “wag” your dog (marketing strategy). Keep the focus on the major keyword and keep it at the front of your title.Use association and keyword matching to group keywords. Rank your potential phrases for search popularity, but make sure you can compete for them and cascade down by adding modifiers to build a longtail title that will work.Never forget that a human user will determine your conversion rates, not the search enginesYour titles must be readable and appealing

If you do all this along with writing high-quality content intended for people and optimized for Google, your articles, blog, or webpages will suddenly be ranking for multiple keywords with high conversion rates. You may even end up being in the first spot for a keyword that was never your main focus.

Jacob M. is a copywriter, marketing blogger, inbound marketing consultant, and founder of Write Minds. He can be found on Twitter @jmcmillen89.

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The post How to optimize keywords and SEO titles with popular keywords appeared first on Search Engine Watch.

Four tips for SEM teams to adjust to a privacy-focused future

30-second summary:

Within the digital marketing space, the conversation around privacy and cookie changes has focused heavily on programmatic and paid socialBut how will third-party cookie deprecation and new privacy regulations impact paid search?Here is what search marketers can expect and how to prepare

In the digital marketing world, targeting, measurement, and optimization have foundationally relied on the ability to accurately track user behaviors and performance across the web. However, as we all know, platforms like Google and Apple have introduced privacy-focused initiatives over the past few years that complicate targeting and measurement for advertisers.

When discussing the impacts of these changes, much of the conversation has focused on programmatic and paid social, which are undoubtedly the digital channels feeling the greatest impact. What has not been discussed in great detail is the impact on search marketing. How should advertisers adapt their paid search strategies to adjust to these new realities?

Before digging into action items, let’s recap the newest updates and how they’ll impact paid search campaigns.

Chrome’s privacy updates will have a greater impact than iOS.

There are two key privacy changes top-of-mind for search marketers in 2021. App Tracking Transparency (ATT), introduced through Apple’s iOS 14.5 update, requires a user to opt-in before a company can track their data across other apps or websites. Fortunately, the impact of this update on search programs for most advertisers is limited. Advertisers may see fluctuations in universal app campaign (UAC) volume, and search properties with a larger app-based audience (for example, YouTube) will experience some degradation in measurement and targeting. By and large, though, the ATT update is more of an issue for programmatic advertisers than search marketers.

Google Chrome’s third-party cookie deprecation, coming in 2023, will have a larger impact on paid search. From a targeting perspective, remarketing lists for search ads (RLSA) will become less effective without data on users’ behaviors across non-Google properties. As of Q3 2020, RLSA accounted for 20 percent of Google search ad clicks for Merkle advertisers – so this is a significant segment of traffic. There will also be new measurement challenges, especially for companies relying on proprietary reporting tech.

While iOS 14.5 is already a reality for advertisers, there is more than a year left to prepare for Google’s third-party cookie deprecation. There are several steps search marketers can take now to optimize performance within a more privacy-focused environment.

1. Lean into first-party data audience solutions to target

Effective audience segmentation and targeting will continue to be critical in search moving forward. Google offers several in-platform audience options, such as in-market and affinity audiences, that don’t rely on third-party data and can be leveraged by advertisers indefinitely.

However, there’s a greater opportunity for organizations to differentiate themselves by crafting a strong audience strategy using their own first-party data with Customer Match. Many advertisers already use Customer Match to some degree, but the data may not be refreshed regularly, or it may not be segmented in detail. The transition away from third-party cookies is the perfect impetus for fine-tuning a first-party data strategy.

First, advertisers should assess the quality of their first-party data. How comprehensive is the data that’s collected? Are there a lot of duplicate records, or is there a reliable unique record for each customer? All of the slicing and dicing in the world won’t be helpful if the data you’re working with is fundamentally flawed.

Next, marketers should assess opportunities to segment their customer lists in meaningful ways – a single “email subscribers list” isn’t going to cut it anymore. Smart segmentation is always important, but it will become even more critical because it will empower Google to build more tailored similar audiences.

After establishing segments, there must be a plan to refresh those audiences frequently. Determine an appropriate cadence for updating customer match lists and determine who’s responsible for doing it. Currently, this can be done through the Google Ads API or within the Google Ads interface.

Once a foundation is in place for your audience strategy, revisit your approach quarterly to ensure that segments continue to align with attributes important to your customers and your business. This also creates a natural check-in point to confirm that lists are being updated as expected and that they’re all receiving traffic. If needed, audience bid modifiers should be adjusted to reflect current performance.

On the topic of bidding…

2. Test or transition to Smart Bidding to take advantage of Google’s proprietary signals

While we, as advertisers, will have lesser user data available to us without third-party cookies, Google will continue to have a wealth of information about its users and their behavior on Google-owned properties. Google Ads’ Smart Bidding allows advertisers to take advantage of those audience signals to reach the right person at the right bid with machine learning. That’s not to say that segmentation isn’t important with Smart Bidding – it still is. One of the many signals the bidder looks at is all of the audiences a given user belongs to, including customer match audiences.

Advertisers can and should take advantage of custom audience segmentations through Google Analytics, Looker, or Google Cloud Platform (Big Query). And they should automate the pushing of defined customer audiences to Google marketing activation to maximize business data with Google’s Smart Bidding.

Whatever your advertising goals may be, there is likely a Google Ads Smart Bidding strategy to suit your business needs. For search marketers not yet using Smart Bidding, it’d be smart to start testing in early 2022 to iron out any kinks and have a full-blown Smart Bidding approach before 2023.

3. Get comfortable with new reporting methods

We’ve talked a lot about adapting to the changes to come with targeting, but privacy updates also create challenges for reporting. There will be a measurement gap that advertisers need to solve. Fortunately, Google Ads has solutions in place to help fill holes with enhanced and modeled conversions.

Enhanced conversions improve reporting accuracy by using an advertiser’s hashed first-party data to tie a conversion event to an ad interaction. Enhanced conversions are powerful in that they make a one-to-one connection between an impression or click and a purchase. Modeled conversions, on the other hand, find their power in scalability; Google has been using them to report on cross-device conversions for several years. When used in combination, advertisers get the benefit of precision where a one-to-one connection exists, while smartly estimating conversions in areas where it does not.

As privacy regulations increasingly muddy the reporting waters, the stakes are higher to work with Google to fill the gaps. If you’re relying primarily on proprietary technology for reporting, consider using Google’s measurement system to get a more complete picture of performance. Understanding the full impact of search is critical for being able to optimize and allocate budgets effectively. Note that Google’s global site tag or tag manager is required to appropriately track conversions.

4. Monitor universal app campaigns for performance changes

Advertisers using UAC to drive app downloads via paid search should closely monitor performance for those campaigns. So far, Merkle has observed a slow downward trend in tracked installs as a result of Apple’s ATT update. To avoid the effects of ATT, some advertisers are increasing their investment in Android or shifting spend there entirely. UAC can continue to be an effective channel for marketers, but reduced visibility on iOS may require bid or budget shifts in order to hit performance goals.

Conclusion

Privacy updates are changing the way marketers approach targeting and measurement. Don’t panic – but do put a plan in place. With the right adjustments, search advertisers can effectively pivot along with the industry. More than ever, advertisers must value first-party audiences driven by search to further customer engagement, experiences, and marketing ROI. Using that first-party data, in conjunction with machine-learning-based bid strategies and modeled and enhanced reporting, will create a foundation to help future proof search campaigns for privacy updates in the years to come.

Matt Mierzejewski is SVP of Performance Marketing Lab and Search at Merkle Inc.

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Zero click search: the new consumer comfort zone

30-second summary:

Zero click search presents advertisers with the opportunity to pro-long budgets during periods when the paid search landscape is hypercompetitiveBrands can cash in on zero click searches for the organic element of their overall search strategy to gain visibility and drive conversionsBarilla Group’s global digital & search marketing manager, Nitin Manhar Dhamelia advises on zero click search optimization and measurement

Historic context

Back in 1998 when Google was founded, it served 10,000 searches per day and by 2012 it was 3,500,000,000 searches per day.​ And in 2021, search volumes continue to explode with Google serving around 5,600,000,000 searches globally per day.​

Its success in becoming a transitive verb was borne when Google tasked itself with bringing order to the chaos of the world’s knowledge. It knew that to achieve this magnitude of top-of-mind awareness, the key would be to create a window to the web that was inclusive, accessible, and easy to understand for the general population; it knew that inclusivity would accelerate adoption. Even today, the search giant is always working on improving the consumers’ search experience and 2021 saw several key algorithm updates roll out – passage ranking, page experience, page titles, MUM, mobile-first indexing, and more.

Not too far ahead in the future, Google is going to make it even easier for consumers to access information about brands.​ But why?

Micro funnels

Because people visit Google in key decision-making moments along the buyer journey – essentially, each Search session can be deemed a micro funnel. In fact, after the pandemic, there is no undoing the great reset. Nearly, 15 percent of Google search queries Google attended were first of their kind. And 81 percent of consumers discovered new brands online during the pandemic.

“There isn’t a world where people revert back to their 2019 behaviours, and part of that is now a part of their comfort zones.” – Corie Barry, CEO, Best Buy

Google’s own recent retail report identified four key consumer insights:

Dynamic demand: People’s buying patterns will continue to change in response to unpredictable timesDigital inspiration: People will use the internet to be inspiredConvenience: People will prioritize convenience while shoppingSupportive spending: People will be more mindful of how and where they spend their dollars with “values” playing a major influencer

Even though less favored by advertisers, zero click searches are pockets of opportunity for brands to focus on as part of their branded search strategy.

With great power comes great responsibility

With its always-on innovation focus, Google is constantly expected to eclipse itself (for the better) and the way it aims to achieve that is by presenting information in ever more easy-to-digest consumer-friendly formats.​

Its solution? Bringing convenience and comfort to their searcher’s online journey with zero click search. This means redesigning the search experience to align with a lucid consumer journey, which in some cases implies that – the journey both starts and ends in Google, and without a single click in the search results:

Squid Game Google zero click search

In terms of how this translates into volumes of searches, take a look at the data from an industry study below:


Zero click search data

What does this mean for brands?

In my own research the split of traffic between the core search marketing channels for a keyword that has a “need” intent, calculates to:

Paid: 6.5 percentOrganic (above the fold): 31.5 percentOrganic (below the fold): two percentZero Click Searches: 60 percent

Extraordinarily, the last number isn’t too far off an original 2020 study that was made of a sample size that is far greater than most brand marketers might have immediate access to.

However, when smaller, localized in-house studies surface very similar results it drives the conversation forward into where we need to focus a proportion of our overall search budgets: creating data-driven content that contributes to adding value and top-of-mind awareness (TOMA) to consumers.

Tips for brands to optimize and measure zero click search

The people also ask (PAA) feature in Google (essentially website content derived FAQs in Search results) are around six times more likely to appear in a search results page versus featured snippets.  And therefore, PAA should not be underestimated as a branding tool. So the first tip is to create editorial content that resides on your website and optimize for PAA – using long-tail search data.

And the second tip is to optimize your content for featured snippets across brand and partner websites – your keyword traffic or search traffic insights could help prioritize this activity internally.

Another interesting insight that stood out was – regardless of the industry, most “big” brands will trigger a PAA.

PAA box visibility stats

Measuring zero-click performance

Gauging the impact of zero click search remains a frequently asked question itself and a continued enigma that has hampered brands from focusing on this highly important search facet. These are some valuable avenues for search marketers to track the zero click search features’ performance:

1. Understand relativity

Understand the relationship between impression volume and average ranking for a target keyword(s) in the Google search console to create insights into where branded content can trigger a zero click search result.

2. Track soft metrics

This is where the soft metric shines – so by focusing on zero click SERP features for brand vs competitor domains, it’s possible to create an index to track the outcomes and evolution of a soft metric such as ‘share of intent’. This will help you grow product or service awareness/consideration via the zero click search element of your Search Strategy.

Piecing all this information and tailoring it to your brand will positively add a new dimension to your search marketing strategy.

Nitin Manhar Dhamelia is the global digital & search marketing manager at Barilla Group. Nitin has a 15-year track record of global B2B/B2C team management, governance, commercial experience, across Americas, EMEA, APAC.

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