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	<title>Comments on: When It Comes to Blogging, What is Ethical and What is Not?</title>
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	<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/</link>
	<description>A personal finance blog dedicated to discussing such topics as budgeting, asset allocation, 401K, IRA, cash flow, insurance, financial planning, portfolio management, and other areas in personal finance.</description>
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		<title>By: fivecentnickel.com</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-125226</link>
		<dc:creator>fivecentnickel.com</dc:creator>
		<pubDate>Wed, 01 Aug 2007 18:01:59 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-125226</guid>
		<description>Whenever I need to make a purchase, sign up for a service, etc. I always go out of my way to find and use an affiliate link from someone that I know so they get a bit of jingle in their pocket. But maybe I&#039;m just weird.</description>
		<content:encoded><![CDATA[<p>Whenever I need to make a purchase, sign up for a service, etc. I always go out of my way to find and use an affiliate link from someone that I know so they get a bit of jingle in their pocket. But maybe I&#8217;m just weird.</p>
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		<title>By: Cliff</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-113859</link>
		<dc:creator>Cliff</dc:creator>
		<pubDate>Mon, 18 Jun 2007 16:27:50 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-113859</guid>
		<description>Yes, everyone knows about affiliate links.  If they don&#039;t know, they aren&#039;t likely to care.  

That being said, personally, I&#039;ll remove the affiliate ID from an Amazon URI.  I&#039;m a peculiar sort of guy... Whenever I get any Amazon link, I remove everything after the ASIN.  Most of it is cookie crumb nonsense, and some of it is affiliate ID.  

Personally, I don&#039;t think it&#039;s Amazon&#039;s business who led me to their product, either through a cookie crumb or affiliate link.  I&#039;m not trying to cheat people like you out of money, I&#039;m trying to protect my anonymity.</description>
		<content:encoded><![CDATA[<p>Yes, everyone knows about affiliate links.  If they don&#8217;t know, they aren&#8217;t likely to care.  </p>
<p>That being said, personally, I&#8217;ll remove the affiliate ID from an Amazon URI.  I&#8217;m a peculiar sort of guy&#8230; Whenever I get any Amazon link, I remove everything after the ASIN.  Most of it is cookie crumb nonsense, and some of it is affiliate ID.  </p>
<p>Personally, I don&#8217;t think it&#8217;s Amazon&#8217;s business who led me to their product, either through a cookie crumb or affiliate link.  I&#8217;m not trying to cheat people like you out of money, I&#8217;m trying to protect my anonymity.</p>
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		<title>By: John M</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-113833</link>
		<dc:creator>John M</dc:creator>
		<pubDate>Mon, 18 Jun 2007 14:40:48 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-113833</guid>
		<description>Life is filled with contradictions. There is no way to get around that. Most financial products when used improperly can be bad for the consumer. I use a disclaimer on my site, because there are some advertisers on my website where it would be very unlikely that I would use their services. I do not beleive that accepting advertising from them is unethical. If I strongly suspected that an advertiser was purposely doing harm or illegal practices then I would not accept advertsing from them. Other than that I choose not to have any other criteria because it reduces my profit and I am not sure where to draw the line on what is acceptable and what is not.</description>
		<content:encoded><![CDATA[<p>Life is filled with contradictions. There is no way to get around that. Most financial products when used improperly can be bad for the consumer. I use a disclaimer on my site, because there are some advertisers on my website where it would be very unlikely that I would use their services. I do not beleive that accepting advertising from them is unethical. If I strongly suspected that an advertiser was purposely doing harm or illegal practices then I would not accept advertsing from them. Other than that I choose not to have any other criteria because it reduces my profit and I am not sure where to draw the line on what is acceptable and what is not.</p>
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		<title>By: Moneymonk</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-112934</link>
		<dc:creator>Moneymonk</dc:creator>
		<pubDate>Thu, 14 Jun 2007 21:34:23 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-112934</guid>
		<description>I find some bloggers list a disclaimer saying that they do not endose advertisers on their site. Use your own due diligence. But to advertise or get paid for something you would not advocate is unethical. You are contradicting yourself.</description>
		<content:encoded><![CDATA[<p>I find some bloggers list a disclaimer saying that they do not endose advertisers on their site. Use your own due diligence. But to advertise or get paid for something you would not advocate is unethical. You are contradicting yourself.</p>
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		<title>By: Tim</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-112927</link>
		<dc:creator>Tim</dc:creator>
		<pubDate>Thu, 14 Jun 2007 20:49:28 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-112927</guid>
		<description>I don&#039;t mind.  Now, please send me 10% for my positive posting ;o)

we don&#039;t have to press a link to any of the ads etc on your or any other blogger&#039;s websites.  now if the companies you are affiliated with have tracking cookies that we don&#039;t know about and that you don&#039;t announce, that would be bad.  but, again, we have a choice not to come to the blog.</description>
		<content:encoded><![CDATA[<p>I don&#8217;t mind.  Now, please send me 10% for my positive posting ;o)</p>
<p>we don&#8217;t have to press a link to any of the ads etc on your or any other blogger&#8217;s websites.  now if the companies you are affiliated with have tracking cookies that we don&#8217;t know about and that you don&#8217;t announce, that would be bad.  but, again, we have a choice not to come to the blog.</p>
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		<title>By: Jim Bigham</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-112884</link>
		<dc:creator>Jim Bigham</dc:creator>
		<pubDate>Thu, 14 Jun 2007 15:41:25 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-112884</guid>
		<description>Disclosure, Transparency, &amp; Explicitness – I have tremendous passion about this subject because this is exactly what’s missing in financial services. I know first hand that’s the case in the retirement plan (401K) business. Participants are routinely soaked with pervasive, excessive, hidden expenses. It’s easy for those accepting payments (regardless of their size) to rationalize; that’s what providers and their reps do every day. 

So let me understand a few of the previous comments. Bloggers getting paid to write a specific post is NOT OK, but getting paid indirectly from a link included in a post IS OK? Why not just clearly label those affiliate links (inside a post) as paid or sponsored? For the same reason a retirement plan “advisor” fails to tell the employer that they receive a hidden payment from the mutual fund or (insurance company) in the recommended 401(k). Both are concerned that doing so might reduce their credibility, and they’re right! You can pretend it doesn’t create bias, but that’s just naïve. 

Would the following disclaimer influence a reader’s opinion of the post (and writer)?  “NOTE:  I receive a payment when you click on the link for the company that markets the product (or service) discussed in this post. I also receive a sales commission of up to 7% of the value of any purchase you make.” The reader would at minimum be wary of any positive claims, because they know the writer has become by all counts a RETAILER of the product. Deny this if you will, but RETAILER you’ve become. 
 
Oh yeah I forgot, “everyone” knows the writer can get paid from those links, just like they know about the hidden payments that come out of their retirement accounts. In the rush to “monetize” a blog, an honorable thing by the way, think hard before you establish a financial relationship with a company you write about.</description>
		<content:encoded><![CDATA[<p>Disclosure, Transparency, &amp; Explicitness – I have tremendous passion about this subject because this is exactly what’s missing in financial services. I know first hand that’s the case in the retirement plan (401K) business. Participants are routinely soaked with pervasive, excessive, hidden expenses. It’s easy for those accepting payments (regardless of their size) to rationalize; that’s what providers and their reps do every day. </p>
<p>So let me understand a few of the previous comments. Bloggers getting paid to write a specific post is NOT OK, but getting paid indirectly from a link included in a post IS OK? Why not just clearly label those affiliate links (inside a post) as paid or sponsored? For the same reason a retirement plan “advisor” fails to tell the employer that they receive a hidden payment from the mutual fund or (insurance company) in the recommended 401(k). Both are concerned that doing so might reduce their credibility, and they’re right! You can pretend it doesn’t create bias, but that’s just naïve. </p>
<p>Would the following disclaimer influence a reader’s opinion of the post (and writer)?  “NOTE:  I receive a payment when you click on the link for the company that markets the product (or service) discussed in this post. I also receive a sales commission of up to 7% of the value of any purchase you make.” The reader would at minimum be wary of any positive claims, because they know the writer has become by all counts a RETAILER of the product. Deny this if you will, but RETAILER you’ve become. </p>
<p>Oh yeah I forgot, “everyone” knows the writer can get paid from those links, just like they know about the hidden payments that come out of their retirement accounts. In the rush to “monetize” a blog, an honorable thing by the way, think hard before you establish a financial relationship with a company you write about.</p>
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		<title>By: Chris</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-112854</link>
		<dc:creator>Chris</dc:creator>
		<pubDate>Thu, 14 Jun 2007 12:16:04 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-112854</guid>
		<description>Is it ethical to do what you are doing? I say yes, others seem to agree!

It would be unethical if you falsely gave the book rave reviews just to get people to hit Amazon for it and artificially line your pockets.</description>
		<content:encoded><![CDATA[<p>Is it ethical to do what you are doing? I say yes, others seem to agree!</p>
<p>It would be unethical if you falsely gave the book rave reviews just to get people to hit Amazon for it and artificially line your pockets.</p>
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		<title>By: Golbguru</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-112809</link>
		<dc:creator>Golbguru</dc:creator>
		<pubDate>Thu, 14 Jun 2007 06:22:46 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-112809</guid>
		<description>It took me sometime to figure out that those Amazon links are affiliate links - it doesn&#039;t bother me as long as the post is genuine. When bloggers &quot;try&quot; hard to sell affiliate links, it becomes very obvious in the style of writing. Although, I would appreciate (it&#039;s personal...I won&#039;t hold it against anyone), if there is a small mention at the end of the post that says something to the effect &quot;the post contains affiliate links&quot; -- won&#039;t serve much purpose except some increased transparency. 

I have no issues with the text links at the bottom of the page either. They are far far away from your main content - and  barely readable ;)

As for the question of being ethical - the world is polarized one way or the other, one man&#039;s idiot is another man&#039;s hero, so all &quot;ethical&quot; advice should be taken with a grain of salt. [ what follows next is very well said by Cap in the above comment..so I won&#039;t repeat it]</description>
		<content:encoded><![CDATA[<p>It took me sometime to figure out that those Amazon links are affiliate links &#8211; it doesn&#8217;t bother me as long as the post is genuine. When bloggers &#8220;try&#8221; hard to sell affiliate links, it becomes very obvious in the style of writing. Although, I would appreciate (it&#8217;s personal&#8230;I won&#8217;t hold it against anyone), if there is a small mention at the end of the post that says something to the effect &#8220;the post contains affiliate links&#8221; &#8212; won&#8217;t serve much purpose except some increased transparency. </p>
<p>I have no issues with the text links at the bottom of the page either. They are far far away from your main content &#8211; and  barely readable <img src='http://allfinancialmatters.com/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
<p>As for the question of being ethical &#8211; the world is polarized one way or the other, one man&#8217;s idiot is another man&#8217;s hero, so all &#8220;ethical&#8221; advice should be taken with a grain of salt. [ what follows next is very well said by Cap in the above comment..so I won't repeat it]</p>
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		<title>By: Cap</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-112720</link>
		<dc:creator>Cap</dc:creator>
		<pubDate>Wed, 13 Jun 2007 23:04:40 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-112720</guid>
		<description>For post, I have a simple guideline: there will never be a paid post on my blog.  (Didn&#039;t add this in until recently, I figure my readers know where I stand, but I added that in as I kept getting contacted for paid reviews or post).

For post with affiliate links, I throw them in there when I remember to, depending on their relevance.  Same treatment for the reviews or mentions, regardless if the review was good, neutral, or bad. (And to be honest, I believe I only have a handful of affiliate links).

As for text link ads, I avoid adult and gambling sites. Pay day loan is a bit iffy, I did have one link up before for a month or two, and rejected a few. Generally I just review the site and make a judgment call on how shady it is.

At the end, I don&#039;t really care what other people do on their blog.  If they&#039;re obviously dishonest in their posting and advertising policy, then I flag them as such and move on.

Most people have their own view on what&#039;s acceptable and what&#039;s not, as long as they&#039;re consistent and make clear their intentions, then it&#039;s probably not that big of a deal...</description>
		<content:encoded><![CDATA[<p>For post, I have a simple guideline: there will never be a paid post on my blog.  (Didn&#8217;t add this in until recently, I figure my readers know where I stand, but I added that in as I kept getting contacted for paid reviews or post).</p>
<p>For post with affiliate links, I throw them in there when I remember to, depending on their relevance.  Same treatment for the reviews or mentions, regardless if the review was good, neutral, or bad. (And to be honest, I believe I only have a handful of affiliate links).</p>
<p>As for text link ads, I avoid adult and gambling sites. Pay day loan is a bit iffy, I did have one link up before for a month or two, and rejected a few. Generally I just review the site and make a judgment call on how shady it is.</p>
<p>At the end, I don&#8217;t really care what other people do on their blog.  If they&#8217;re obviously dishonest in their posting and advertising policy, then I flag them as such and move on.</p>
<p>Most people have their own view on what&#8217;s acceptable and what&#8217;s not, as long as they&#8217;re consistent and make clear their intentions, then it&#8217;s probably not that big of a deal&#8230;</p>
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		<title>By: Gaming The Credit System</title>
		<link>http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/comment-page-1/#comment-112678</link>
		<dc:creator>Gaming The Credit System</dc:creator>
		<pubDate>Wed, 13 Jun 2007 18:57:47 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/2007/06/13/when-it-comes-to-blogging-what-is-ethical-and-what-is-not/#comment-112678</guid>
		<description>I generally agree with the others, and I don&#039;t have any problem with AFM, but I do think that there is a line somewhere.... basically, for me, I think it isn&#039;t necessarily correlated to the number or frequency of ads, per se.  It has to do more with the proportion of original content.  As long as you&#039;re pumping out original content then I don&#039;t care what affiliate links you have in there, as long as they&#039;re relevant *and* you&#039;re not being deceptive about them (saying that you&#039;ve used a product or read a book when you haven&#039;t, etc.).</description>
		<content:encoded><![CDATA[<p>I generally agree with the others, and I don&#8217;t have any problem with AFM, but I do think that there is a line somewhere&#8230;. basically, for me, I think it isn&#8217;t necessarily correlated to the number or frequency of ads, per se.  It has to do more with the proportion of original content.  As long as you&#8217;re pumping out original content then I don&#8217;t care what affiliate links you have in there, as long as they&#8217;re relevant *and* you&#8217;re not being deceptive about them (saying that you&#8217;ve used a product or read a book when you haven&#8217;t, etc.).</p>
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