Deciphering the PayDay Loan 2.0 Update


For all the fluster and bluster that the most recent Google algorithm updates caused, there’s a certain dearth of information being said about the most recent, and, perhaps, most abstract, of updates. The PayDay Loan.

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It’s PayDay!

This algorithm first came rolling down the pike just last June. At the time, it caused some muttering and speculation amongst the internet marketing strategists, but as only .2% of English sites were affected, the consternation rapidly died away, especially as other updates (such as the Penguin algorithm and Panda algorithm updates) took all of our attention.

Of course, we’ve all known that another update to the PayDay Loan would be forthcoming. And now, a full year later, it has arrived to…do what, exactly?

In a nutshell, the PayDay Loan algorithm targets ‘spammy queries’. This means that most of us that practice good content, link-building that the Google Penguin algorithm likes, and generally ‘white hat’ SEO won’t be affected.

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Unless of course, your keywords are considered ‘spammy’ by the Google update. In which case, you may have felt the repercussions of PayDay Loan, regardless of how ‘white hat’ your SEO practices are.

But don’t worry—Google’s intention with this update is to weed out the low quality websites, not the websites that have good content, useful information, and lots of social interaction.

The Impact of the Update:

As it’s name indicates, payday loans is a niche industry that is getting hit by this update, but there are others as well. The algorithm includes some pornographic queries, financial queries, and even insurance related queries.

This update is not specific to the United States. This is a global update, and thus, includes all international queries. The update has impacted roughly 0.3% of the U.S. queries (while this sounds small, the effect is still large enough to be felt within the English-speaking websites), but other countries, such as the Turkish queries, went as high as 4%.

Because of the global scale of the algorithm update, it’s affecting an unknown percentage of users, though without question, it is affecting the international queries far more substantially than the English queries. Apparently, Google is intent upon cracking down on international spam.

Of course, there is the difficulty of effectively analyzing who is getting the smackdown. A safe bet are those industries of payday loans, financial schemes, insurance (including the filing of claims), and various pornographic sites. Anyone who has searched within these industries will almost certainly be familiar with the deluge of low quality sites appearing for your query.

Remember, Google’s intention is to prevent these types of sites from popping up.

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Is PayDay 2.0 Not Cashing in For You?

If you are worried that your site may have been negatively impacted by these latest updates (or any Google updates, for that matter) you may want to try using the Penguin Tool. This useful and free tool, developed by Barracuda-Digital, links up to your current Google Analytics account, and is able to overlay all the known Google Updates. If your site is suffering from PayDay Loan 2.0, or Google Panda 4.0, this is a good way to know for sure.

Now that you’ve investigated, let us know—have you been hit by PayDay Loan 2.0? As always, there are those who feel the sting of an update, and those who reap the benefits. What are you experiencing?

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Me, myself and I: Deciphering pronouns

Which of the following sentences is correct?

1. Please copy Robert and I on that email.
2. Please copy Robert and me on that email.
3. Please copy Robert and myself on that email.

If you’re not sure of the answer, you’re not the only one. The misuse of pronouns—I, me, myself, he, himself, her, herself, them, themselves—can make your writing seem “juvenile and nonstandard.” Or so says one of my old grammar books.

Let’s examine a few rules for using pronouns so we can cut through the confusion and write for grown-ups.

Pronouns are words used in place of nouns. A pronoun designates a person, place, or thing without naming it. Every pronoun has a case, which means there are different forms for different functions in the sentence.

Subjective case—I, he, she, we, they, who, whoever. These pronouns are used as subjects in a sentence.

I went to happy hour.
She and I went to happy hour.

Objective case—me, him, her, us, them, whom, whomever. These pronouns are used as objects in a sentence.

The bartender served Janie and me.

In the first example, you would not say, “Me went to the happy hour.” You would say, “I went to the happy hour.” The pronoun “I” is used as a subject and is correct in the sentence.

“Me” is used as the object in the second example. You would not say, “The bartender served I.” Therefore, “The bartender served me,” is correct.

Reflexive case—myself, yourself, himself, herself, ourselves, themselves. These pronouns are used to rename subjects. They should only be used to refer to a previous word in the sentence.

He corrected himself.
The winners congratulated themselves.
I was ashamed of myself.

“Sarah and myself had dinner,” is incorrect because myself is not referring back to Sarah, the subject of the sentence. “Sarah and I had dinner,” is correct.

[RELATED: Get advanced writing and editing tips from Mark Ragan and Jim Ylisela.]

Reflexive pronouns can also be used for emphasis. They repeat the noun or pronoun they refer to.

The owner himself brought our drinks.
You should write that article yourself.

Going back to our first example, the second sentence, “Please copy Robert and me on that email,” is correct.

Ragan readers, any other pronouns that trip you up?

Laura Hale Brockway is an Austin-based writer and editor and a regular contributor to PR Daily. Read more of her work at

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