Ad groups allow for each campaign to be further subcategorized for relevance. In our hardware store example, one ad group could be for different types of rakes or varying models of leaf blowers. For the power tools campaign, one ad group might focus on power drills, while another could focus on circular saws. This level of organization might take slightly longer to set up initially, but the rewards – namely higher CTRs at lower cost – make this effort worthwhile in the long run.
Thanks to its viral nature, simple accessibility and built-in value, video marketing stands out as a smart way to approach content marketing in 2017 and beyond. Video marketing is an incredible way to create content that is personal and has a real impact on your audience. It has an incomparable ability to create emotion driven sales – and sales are always personal on some level. Buyers want to feel good about their choice, and video marketing, when done correctly, is the best way to create this feeling.
We have the capability to work with our clients’ internal content, creative, and email marketing teams or handle the whole campaign for them. We incorporate our proven strategic consulting services as part of our Email Marketing offerings in order to help our partner clients develop effective strategies for building their email lists. These consulting services include assistance with event planning, creative design, website and landing page email capture, and much more. We help our clients not only with engagement but new email acquisition, list segmentation and list cleansing.
We begin by gaining a sound understanding of your industry, business goals, and target audience. We follow a very formal marketing process for each social media strategy which includes in-depth discovery, market research, project planning, exceptional project management, training, consulting, and reporting. We also incorporate social media ads such as Facebook advertising into many marketing campaigns. As a top digital marketing agency we make social media recommendations that will be best for your business and offer the most engaging experience for your audience.
You’ll want to capture users’ emails regularly, both when they purchase…and even before they become a customer. You can use lead magnets or discounts to incentivize email sign-ups and using an email management service like MailChimp allows you to create triggered autoresponders that will automatically send out pre-made welcome email campaigns when they subscribe.
The development of digital marketing is inseparable from technology development. One of the key points in the start of was in 1971, where Ray Tomlinson sent the very first email and his technology set the platform to allow people to send and receive files through different machines. However, the more recognisable period as being the start of Digital Marketing is 1990 as this was where the Archie search engine was created as an index for FTP sites. In the 1980s, the storage capacity of computer was already big enough to store huge volumes of customer information. Companies started choosing online techniques, such as database marketing, rather than limited list broker. This kind of databases allowed companies to track customers' information more effectively, thus transforming the relationship between buyer and seller. However, the manual process was not so efficient.
Search Engine Marketing (SEM) aids businesses gain market online by purchasing Ads on search engines such as Google, Yahoo or Bing. The SEM practices revolve around the promotion of websites in SERPs to optimize the brand presence and conversions. SEM utilizes paid and unpaid advertising means to optimize the promotion of online businesses, and we especially created this What is Search Engine Marketing Guide to help you understand how both ‘paid & unpaid means’ work under the umbrella term Search Engine Marketing.
On April 24, 2012 many started to see that Google has started to penalize companies that are buying links for the purpose of passing off the rank. The Google Update was called Penguin. Since then, there have been several different Penguin/Panda updates rolled out by Google. SEM has, however, nothing to do with link buying and focuses on organic SEO and PPC management. As of October 20, 2014 Google has released three official revisions of their Penguin Update.
As an Internet marketing strategy, SEO considers how search engines work, the computer programmed algorithms which dictate search engine behavior, what people search for, the actual search terms or keywords typed into search engines, and which search engines are preferred by their targeted audience. Optimizing a website may involve editing its content, adding content, doing HTML, and associated coding to both increase its relevance to specific keywords and to remove barriers to the indexing activities of search engines. Promoting a site to increase the number of backlinks, or inbound links, is another SEO tactic. By May 2015, mobile search had surpassed desktop search. In 2015, it was reported that Google is developing and promoting mobile search as a key feature within future products. In response, many brands are beginning to take a different approach to their Internet marketing strategies.
SEO is not an appropriate strategy for every website, and other Internet marketing strategies can be more effective like paid advertising through pay per click (PPC) campaigns, depending on the site operator's goals. Search engine marketing (SEM), is practice of designing, running, and optimizing search engine ad campaigns. Its difference from SEO is most simply depicted as the difference between paid and unpaid priority ranking in search results. Its purpose regards prominence more so than relevance; website developers should regard SEM with the utmost importance with consideration to PageRank visibility as most navigate to the primary listings of their search. A successful Internet marketing campaign may also depend upon building high quality web pages to engage and persuade, setting up analytics programs to enable site owners to measure results, and improving a site's conversion rate. In November 2015, Google released a full 160 page version of its Search Quality Rating Guidelines to the public, which now shows a shift in their focus towards "usefulness" and mobile search. In recent years the mobile market has exploded, overtaking the use of desktops as shown in by StatCounter in October 2016 where they analysed 2.5 million websites and 51.3% of the pages were loaded by a mobile device . Google has been one of the companies that have utilised the popularity of mobile usage by encouraging websites to use their Google Search Console, the Mobile-Friendly Test, which allows companies to measure up their website to the search engine results and how user-friendly it is.
Engineer by Education, Marketing Influencer by Profession, and Creative Writer by Passion- Shivendra is involved in Branding, Advertising & Consulting in the domain of Digital Marketing over the years. He relies upon his Digital Marketing learnings and uses the creative DNA for composing blogs that have the applied zeal to engage, entertain and inspire the readers- to Connect- Convince- Convert their target audiences via different digital media channels.
PPC (paid search marketing): PPC (pay per click) advertising involves paying to have search engines display your website's promotion in or alongside search results. For example, Google's Adwords program will display your ad at the top or right side of the search results page (placement depends on many factors including keywords and quality of ad). Google will also feed your ads to websites running its Adsense program. There are other types of PPC marketing, such as Facebook Ads. In PPC advertising, you pay each time someone clicks on your offer. Paid search differs from organic search in that you're paying to have your website or offer displayed higher in search results.
You’ve launched an amazing product or service. Now what? Now, you need to get the word out. When done well, good PR can be much more effective and less expensive than advertising. Regardless of whether you want to hire a fancy agency or awesome consultant, make sure that you know what you’re doing and what types of ROI to expect. Relationships are the heart and soul of PR. This chapter will teach you how to ignore the noise and focus on substantive, measurable results.
In December 2009, Google announced it would be using the web search history of all its users in order to populate search results. On June 8, 2010 a new web indexing system called Google Caffeine was announced. Designed to allow users to find news results, forum posts and other content much sooner after publishing than before, Google caffeine was a change to the way Google updated its index in order to make things show up quicker on Google than before. According to Carrie Grimes, the software engineer who announced Caffeine for Google, "Caffeine provides 50 percent fresher results for web searches than our last index..." Google Instant, real-time-search, was introduced in late 2010 in an attempt to make search results more timely and relevant. Historically site administrators have spent months or even years optimizing a website to increase search rankings. With the growth in popularity of social media sites and blogs the leading engines made changes to their algorithms to allow fresh content to rank quickly within the search results.
Google recommends that all websites use https:// when possible. The hostname is where your website is hosted, commonly using the same domain name that you'd use for email. Google differentiates between the "www" and "non-www" version (for example, "www.example.com" or just "example.com"). When adding your website to Search Console, we recommend adding both http:// and https:// versions, as well as the "www" and "non-www" versions.
Video can also provide social proof for your product or service. According to WebDam, customer testimonials have the highest effectiveness rating for content marketing at 89%. When creating video success stories focus on the story of your customer and the success he/she achieved from using your product/service. This nifty question template from Copyblogger will help you create awesome and human-focused video and written testimonials.
Tablet - We consider tablets as devices in their own class, so when we speak of mobile devices, we generally do not include tablets in the definition. Tablets tend to have larger screens, which means that, unless you offer tablet-optimized content, you can assume that users expect to see your site as it would look on a desktop browser rather than on a smartphone browser.
A key benefit of using online channels for marketing a business or product is the ability to measure the impact of any given channel, as well as how visitors acquired through different channels interact with a website or landing page experience. Of the visitors that convert into paying customers, further analysis can be done to determine which channels are most effective at acquiring valuable customers.
Because your definition of a “conversion” is up to you, the metrics to measure here can vary. Generally, a strong video will have a high percentage of clicks, calls, signups, or sales. A strong video may also lead to more interaction with your brand, meaning your video has maintained the viewer’s attention, but they may need just a little more information before making their decision.
Search ads aren’t video-friendly just yet, but you can target high-volume keywords related to your product, service, or brand and create a landing page for your video content. Whether your goal is to educate about a certain topic or introduce your product, you can drive these high-traffic keywords to your page for a low cost per click and get huge returns.
Once the company has identified the target demographic for its Internet marketing campaign, they then decide what online platforms will comprise the campaign. For instance, a company that is seeking customers from the 18 to 33 demographic should develop a mobile application that raises awareness about the product, such as a game, a news feed, or a daily coupon program users can download for free.
Links - Links from other websites play a key role in determining the ranking of a site in Google and other search engines. The reason being, a link can be seen as a vote of quality from other websites, since website owners are unlikely to link to other sites which are of poor quality. Sites that acquire links from many other sites gain authority in the eyes of search engines, especially if the sites that are linking to them are themselves authoritative.
In the section on preparing talent, we discussed how to record your script in short sections. If the editor were to stitch these sections together side-by-side, the subject’s face and hands might abruptly switch between clips. This is called a jump cut, and for editors, it poses an interesting challenge. Thankfully, this is where b-roll comes in handy, to mask these jump cuts.
Social media has been one of the fastest growing digital marketing channels for years now and continues to play a major role in brand development and customer acquisition and engagement. Social media now is a critical element to effective content marketing and search engine optimization strategies. These marketing strategies simply can’t exist well without one another.
Okay. Okay. There is a lot to learn. However, everyone has to start somewhere. If you're just being introduced to internet marketing, and you've become bedazzled by the glitz and the glamor of the top online income earners, know that it's not going to be easy to replicate their success. Be sure that you set your expectations the proper way. As long as you stay persistent, you can achieve your goals of generating healthy amounts of money online without becoming the victim of a scam.
Not every single ad will appear on every single search. This is because the ad auction takes a variety of factors into account when determining the placement of ads on the SERP, and because not every keyword has sufficient commercial intent to justify displaying ads next to results. However, the two main factors that Google evaluates as part of the ad auction process are your maximum bid and the Quality Score of your ads.
Some search engines have also reached out to the SEO industry, and are frequent sponsors and guests at SEO conferences, webchats, and seminars. Major search engines provide information and guidelines to help with website optimization. Google has a Sitemaps program to help webmasters learn if Google is having any problems indexing their website and also provides data on Google traffic to the website. Bing Webmaster Tools provides a way for webmasters to submit a sitemap and web feeds, allows users to determine the "crawl rate", and track the web pages index status.
Maintenance. Ongoing addition and modification of keywords and website content are necessary to continually improve search engine rankings so growth doesn’t stall or decline from neglect. You also want to review your link strategy and ensure that your inbound and outbound links are relevant to your business. A blog can provide you the necessary structure and ease of content addition that you need. Your hosting company can typically help you with the setup/installation of a blog.
To cease opportunity, the firm should summarize their current customers' personas and purchase journey from this they are able to deduce their digital marketing capability. This means they need to form a clear picture of where they are currently and how many resources they can allocate for their digital marketing strategy i.e. labour, time etc. By summarizing the purchase journey, they can also recognise gaps and growth for future marketing opportunities that will either meet objectives or propose new objectives and increase profit.
Digital marketing planning is a term used in marketing management. It describes the first stage of forming a digital marketing strategy for the wider digital marketing system. The difference between digital and traditional marketing planning is that it uses digitally based communication tools and technology such as Social, Web, Mobile, Scannable Surface. Nevertheless, both are aligned with the vision, the mission of the company and the overarching business strategy.
Ideally, you’ll use all three distribution methods. You know your audience and hopefully you know how they’ll respond to your video. Focus on the distribution method that’ll give you the biggest return. If you’re in the film industry, focusing more on paid distribution might be your best bet. If you’re in the field of cancer research, earned media might be the way to go. Are you an entrepreneur that just launched your own startup? Spread word via your owned channels. It all really depends, so do a little research and see what fits your situation best.
Creating the link between SEO and PPC represents an integral part of the SEM concept. Sometimes, especially when separate teams work on SEO and PPC and the efforts are not synced, positive results of aligning their strategies can be lost. The aim of both SEO and PPC is maximizing the visibility in search and thus, their actions to achieve it should be centrally coordinated. Both teams can benefit from setting shared goals and combined metrics, evaluating data together to determine future strategy or discuss which of the tools works better to get the traffic for selected keywords in the national and local search results. Thanks to this, the search visibility can be increased along with optimizing both conversions and costs.
Finally, revenue that comes from delighting your customer should be easier to track since you already have a purchase on file. You’ll likely have a user profile for each customer or some form of contact information from them — every return visit won’t correlate to a new sale, but tracking their behavior will give you a good idea of how many return visitors convert. Then apply this percentage to the number of return website visitors and you’re set! Hopefully, your sales department will also have a good idea of how many first time buyers purchase more than once.
Page and Brin founded Google in 1998. Google attracted a loyal following among the growing number of Internet users, who liked its simple design. Off-page factors (such as PageRank and hyperlink analysis) were considered as well as on-page factors (such as keyword frequency, meta tags, headings, links and site structure) to enable Google to avoid the kind of manipulation seen in search engines that only considered on-page factors for their rankings. Although PageRank was more difficult to game, webmasters had already developed link building tools and schemes to influence the Inktomi search engine, and these methods proved similarly applicable to gaming PageRank. Many sites focused on exchanging, buying, and selling links, often on a massive scale. Some of these schemes, or link farms, involved the creation of thousands of sites for the sole purpose of link spamming.
SEO techniques can be classified into two broad categories: techniques that search engine companies recommend as part of good design ("white hat"), and those techniques of which search engines do not approve ("black hat"). The search engines attempt to minimize the effect of the latter, among them spamdexing. Industry commentators have classified these methods, and the practitioners who employ them, as either white hat SEO, or black hat SEO. White hats tend to produce results that last a long time, whereas black hats anticipate that their sites may eventually be banned either temporarily or permanently once the search engines discover what they are doing.
According to the U.S. Commerce Department, consumers spent $453.46 billion on the web for retail purchases in 2017, a 16.0% increase compared with $390.99 billion in 2016. That’s the highest growth rate since 2011, when online sales grew 17.5% over 2010. Forrester predicts that online sales will account for 17% of all US retail sales by 2022. And digital advertising is also growing strongly; According to Strategy Analytics, in 2017 digital advertising was up 12%, accounting for approximately 38% of overall spending on advertising, or $207.44 billion.
Optimization techniques are highly tuned to the dominant search engines in the target market. The search engines' market shares vary from market to market, as does competition. In 2003, Danny Sullivan stated that Google represented about 75% of all searches. In markets outside the United States, Google's share is often larger, and Google remains the dominant search engine worldwide as of 2007. As of 2006, Google had an 85–90% market share in Germany. While there were hundreds of SEO firms in the US at that time, there were only about five in Germany. As of June 2008, the marketshare of Google in the UK was close to 90% according to Hitwise. That market share is achieved in a number of countries.
DisabledGO, an information provider for people with disabilities in the UK and Ireland, hired Agency51 to implement an SEO migration strategy to move DisabledGO from an old platform to a new one. By applying 301 redirects to old URLS, transferring metadata, setting up Google webmaster tools, and creating a new sitemap, Agency 51 was able to successfully transfer DisabledGO to a new platform while keeping their previous SEO power alive. Additionally, they were able to boost visitor numbers by 21% year over year, and the site restructuring allowed DisabledGO to rank higher than competitors. Their case study is available on SingleGrain.com.
Search Engine Optimization (SEO): Maximizes search result exposure by targeting and driving Web traffic and ultimately delivering increased sales. The majority of search engine page results come from unpaid or organic search. SEO optimizes websites to ensure top search engine placement, such as Google, as only 15 percent of searchers continue beyond page one.
Influencer marketing: Important nodes are identified within related communities, known as influencers. This is becoming an important concept in digital targeting. It is possible to reach influencers via paid advertising, such as Facebook Advertising or Google Adwords campaigns, or through sophisticated sCRM (social customer relationship management) software, such as SAP C4C, Microsoft Dynamics, Sage CRM and Salesforce CRM. Many universities now focus, at Masters level, on engagement strategies for influencers.
Search Engine Marketing or SEM encompasses the steps taken to increase relevant traffic to your website, through higher rankings on search engines. Traditional SEM is made up of two processes: “organic” search engine optimization (SEO) and pay-per-click advertising (PPC) (or cost-per-click (CPC)). However, the field of SEM is a changing and expanding field thanks to constant new developments, such as:
Did you know that 65% of your audience are visual learners? One of the most powerful methods you can use for video marketing is to educate your audience. And the great thing is that education comes in many forms. For example, you can teach your customers how to use your product or service and provide useful tips on how to make the most of it. Or you can create a webinar to showcase your industry knowledge, position your brand as a thought leader, add value to your consumers’ lives and collect leads in the process.
Before your start filming, set a music budget and research your local copyright laws. Copyright law can be very difficult to decipher, especially when you’re dealing with digital content. Bottom line: Most music isn’t free. If you use another artist’s music without permission or proper licensing, you risk video removal and legal action. In order to avoid copyright infringement, you’ll need to find royalty free tunes or pay a composer to create an original score. Royalty free songs aren’t free to use; they’re quality songs available for a single flat fee. This means you don’t have to worry about paying additional licensing fees or royalties in the future. YouTube, Pond5, and PremiumBeat are all great sites to find royalty free music.
Word of mouth communications and peer-to-peer dialogue often have a greater effect on customers, since they are not sent directly from the company and are therefore not planned. Customers are more likely to trust other customers’ experiences. Examples can be that social media users share food products and meal experiences highlighting certain brands and franchises. This was noted in a study on Instagram, where researchers observed that adolescent Instagram users' posted images of food-related experiences within their social networks, providing free advertising for the products.
Don’t cry. That’s what a video marketing platform is for; specifically, one like Vidyard that integrates with YouTube. Your YouTube presence can drive viewers to your site, where they’ll engage with you further. Through the platform, you can gain analytics on who’s watching what, for how long, and what that means for your content, and for your bottom line. It’s easy, too. Uploading, editing, distributing, and managing videos is a snap all from one central location.
Any definition of internet marketing needs to come along with a definition of things associated with it such as affiliate marketing, network marketing, multi-level marketing and so on and so forth. Some of these are less legitimate than others. For example, affiliate marketing is a tough nut to crack unless you have a massive following or you understand how to build excellent squeeze pages and effective sales funnels.
Under Armour came up with the hashtag “I Will What I Want” to encourage powerful athletic women to achieve their dreams despite any opposition they might face. The hashtag, first used by American Ballet Theatre ballerina soloist Misty Copeland, blew up on Facebook after supermodel Gisele Bündchen used it in one of her Facebook posts. Many other female athletes have also used the hashtag.
People are searching for any manner of things directly related to your business. Beyond that, your prospects are also searching for all kinds of things that are only loosely related to your business. These represent even more opportunities to connect with those folks and help answer their questions, solve their problems, and become a trusted resource for them.
Social content videos Extended ArticleWhy Your Company Needs a Social Media VideoThe combination of social media and video marketing is the most powerful way to reach potential customers. In the mid 2000s, numerous entertainment executives discovered… Read More are short video clips created solely for social media platforms like Facebook, Instagram, Twitter, LinkedIn, and more. These are usually fun, playful, engaging, and designed to be shared. They can include lifestyle shots, a montage of scenes relating to your product or service, short interview sound bites or quotes, or just a beautiful shot of your product.
For content to stand out, businesses must differentiate their material from other companies, especially competitors. Some methods that have worked are innovative series that develop fictional characters or storylines centered around a specific product. Other campaigns serve essentially as commercials for a business, such as Red Bull’s campaign that features extreme sports athletes, or serve as how-to’s that establish thought leadership.
Like Dove, Always has been approaching their marketing by combining empowering messages with realistic -- as opposed to idealistic -- portrayals of their target audience. In their "Like a Girl" campaign, the company uses the famous insult to grab your attention -- and then change the conversation about what it means to run, throw, and fight "like a girl."
All search engines use algorithms to attempt to provide the most relevant results to each searcher, taking onto account not only the search keywords used but also the searcher’s location, device, operating system, previous search behavior, and even identity. The better any specific search algorithm for paid or organic (unpaid) results is, the happier the searcher is with the results. Because search engines compete for the attention, eyeballs, and ears of searchers, there is great incentive for constant improvement and innovation.
The field is replete with terms that might confuse and perplex the average individual. What is a squeeze page? What's a sales funnel? What's a CPA? What's SEO? How do you setup a good blog to filter the right type of relevant traffic and get your offer in front of eligible users? What's a massive value post (MVP) really mean? Clearly, there are an endless array of terms, some of which you might already know or might not depending on how much you presently know about the field.
A navigational page is a simple page on your site that displays the structure of your website, and usually consists of a hierarchical listing of the pages on your site. Visitors may visit this page if they are having problems finding pages on your site. While search engines will also visit this page, getting good crawl coverage of the pages on your site, it's mainly aimed at human visitors.
Native advertising embeds your video content onto a third-party website in a natural way that doesn’t disrupt the user’s experience. For instance, if you own a bakery and created a commercial about all the different types of cakes you sell, your video might be naturally embedded on a food website in an article about baking. This advertising is slightly more expensive than social or search ads, but have high returns thanks to the relevance of the content.
An essential part of any Internet marketing campaign is the analysis of data gathered from not just the campaign as a whole, but each piece of it as well. An analyst can chart how many people have visited the product website since its launch, how people are interacting with the campaign's social networking pages, and whether sales have been affected by the campaign (See also Marketing Data Analyst). This information will not only indicate whether the marketing campaign is working, but it is also valuable data to determine what to keep and what to avoid in the next campaign.
Some brands and influencers have found an incredible niche on YouTube. YouTube personalities Casey Neistat and Amy Schmittauer are awesome examples of influencers with a loyal following while GoPro is the Cinderella story of brands making it big. Those, along with countless others, have discovered a formula for YouTube success and it has worked well.
A big part of what’ll dictate which analytics platform you should use will depend on your budget. If your company is super data rich and every department is highly dependent on accurate reporting, you might already invest in a robust paid platform that can meet your video needs. If not, there are tons of free tools you can use that are just as good as some of the bigger, paid-for options.
In the attract stage, your watch metrics, like view count, impressions, and unique users, gives you a pretty accurate account of how many people you’ve introduced your brand, product, or service to. You might have a formula for how many top-funnel users end up converting, so you can apply that to your unique user count. You can also measure your true conversion rate or use a cost per view calculator to figure out how many views your video needs before it becomes profitable. Behavior tracking can also give you a picture of how many people watch your video, browse your site, and then convert.
Organic search (SEO): When you enter a keyword or phrase into a search engine like Google or Yahoo!, the organic results are displayed in the main body of the page.When your prospects search for information about your products and services, you want to rank highly in search engine results. By “optimizing” your site, you can improve your ranking for important search terms and phrases (“keywords”). You can also improve your rank by getting other important sites to link to yours.
Brand awareness has been proven to work with more effectiveness in countries that are high in uncertainty avoidance, also these countries that have uncertainty avoidance; social media marketing works effectively. Yet brands must be careful not to be excessive on the use of this type of marketing, as well as solely relying on it as it may have implications that could negatively harness their image. Brands that represent themselves in an anthropomorphizing manner are more likely to succeed in situations where a brand is marketing to this demographic. "Since social media use can enhance the knowledge of the brand and thus decrease the uncertainty, it is possible that people with high uncertainty avoidance, such as the French, will particularly appreciate the high social media interaction with an anthropomorphized brand." Moreover, digital platform provides an ease to the brand and its customers to interact directly and exchange their motives virtually.
If you're familiar with GoPro's user-generated content, you probably noticed that this isn't their typical video. GoPro has done a great job of defining their brand as adventurous and extreme -- and the vast majority of the user-generated videos they repurpose and put out on their own channels involves stuff like jumping out of airplanes and surfing giant waves.
Narrative videos are probably the most recognizable style of video besides animation. They use classic storytelling elements, including character building, conflict, and resolution, to tell your brand story in an entertaining and engaging way. They create a journey — one your viewer can easily follow and relate to. Client: Key Smart (Curv Group) Because their goal is to tell a story, narrative videos often work best top of funnel, when users are just learning about the problem they face and you’re introducing your brand. Whether you tell the story of how your company came to be, the story of a frustrated customer finding you for the first time, or the story of a fictional hero character, your narrative should be memorable and help your brand stay on the mind of anyone who watches it.
Paid Search: The advantage of paid search is that you can have your website listed on the first pages in a prominent spot on Google and other search engines. However, showing up is only part of the process. You need to create an ad that not only leads to clicks, but to sales or whatever result you're looking for. If you don't know what you're doing, it's possible to write an ad that people are drawn to and click on, however, you don't make sales. Since you pay per click, and clicks can add up quickly, you can lose money.