Minimalist Wealth

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My Thoughts On the Recent Betterment Changes

What's changed:

The first change won't affect most people. What they really mean by "cash" is Treasury bonds that mature in less than a year. It will make very safe portfolios even safer and more liquid.

Maybe they have good reasons for this but to me it seems like an unnecessary complication. I doubt that any positive results that come from this implementation will be worth the increase in complexity. Simplicity is Betterment's biggest strength, and while I doubt that including Cash in risk-averse allocations will harm their risk:reward ratio, I see this move doing much more harm in how investors will react to it. There's no way that this change came from client demands, and there will surely be a negative reaction, as is usual for changes, particularly unnecessary ones.

Why Some People Almost Always Have Successful Blog Posts

On Zach Browne

There are several things to consider when writing a new blog post that are surprisingly left out more so than not. If you follow these core fundamentals with every post, you'll increase the likelihood of success ten fold.

When blogging, the most important thing to do is write for people and not just the search engines alone. Google's algorithm has become far more sophisticated and keyword-stuffed content is not what they're after any more. The more socially powerful your content is, the better it will rank. In other words when people share your content and then your content is shared again, it becomes more and more relevant to Google and starts to rank better and better. However, there's another key to making a blog even more attractive to search engines, keep writing and publishing new content!

There will be times when updating the corporate blog is so low on your list of priorities that you just discard it but that's dangerous. Search engines want on-going, fresh content it keeps them coming back to your pages more often and gives greater visibility to any changes you make on your site. If you don't have time, ask another member of staff to contribute, or even occasionally use a professional blogger to create an article for you. If you allow your blog to slack off, the search engines and your readers will lose interest.

Always keep important keywords in mind throughout the content creation process and use them naturally. Use tools like Google's Keyword Tool and Wordtracker's Firefox Plugin to find keywords that are used frequently and include other keywords that are relevant to your main ones. If someone else is managing your SEO efforts, talk to them and find out what the longtail keywords being targeted are, usually the more specific and lengthy search terms. For example ‘eye makeup for women' instead of just ‘eye makeup'. Since you'll be writing about the industry anyway, these should flow seamlessly into your content.

Your headline, or post title, is just about the most important aspect of your article next to the HTML title. It's the hook that will entice the reader to click on the story, so be very careful of how you choose it. It should contain your main keyword in a very natural manner if possible. If you can't use your main keyword than try to use relevant keywords. Also make sure to always use h1, h2 or h3 headings with in your post. Inside your content, break up the post into sections and use subheadings, again in h2 or h3. It will be easier to use your keywords in these subheadings and it also breaks down the copy for your reader and makes it easier to digest.

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