Computer Security Software

by William Brister
Today's market is cluttered with security software offering anywhere from 4 to 15 features. Which one of these software features is important? Which ones do you absolutely need? Which ones are already present on your computer? Almost all vendors sell a basic version and then have a premium package that costs more. Are the extra dollars worth it? Read on to find out.

The ones you absolutely, definitely need Anti Virus - Detects and removes viruses from your hard drive, emails, & downloaded files. Needs to update frequently and automatically to keep up with the newest viruses.

Personal Firewall - Blocks hackers and other malicious network programs trying to attack your computer and network. Monitors inbound and outbound network connections from your computer.

Anti Spyware - Blocks and removes spyware / adware which is a malicious program or code hidden in acceptable files. This includes the latest rootkit programs which are used to hide the malware, spyware from other detection programs.

The Good to haves Anti Phishing / Fraud Defense - Protects you from online scams designed to steal credit card and bank account numbers. This capability is already present in the most common browsers - Internet Explorer and Firefox.

Wireless Network Monitoring - Guards against unauthorized users invading your wireless home network. You can configure this facility in your wireless router with access IDs, passwords and network addresses.

Online Identity Protection - Guards against online identity theft. Again, most transaction sites provide secure authentication. Also most credit and debit cards today come with a online protection service with a full refund.

The Extras Anti Spam - Filters annoying and potentially dangerous email. If you use a web based mail service like yahoo, hotmail or gmail, they already provide this service. Even if you open a bad email, you should be protected if you have the other tools running.

Pop-Up blocker - Blocks annoying pop-ups and potentially dangerous scripts. The most popular browsers (IE & Firefox) already have this utility integrated into them.

More recently, security software has been offered with data backup and system performance software. These are extras, and should already be part of your operating system. Most security companies offer more or less the same features and capabilties. Everybody knows Norton & McAfee. A couple more to consider are Trend Micro & Zone Labs. Almost all of these have free versions to download and test. Another company that offers a good free Antivirus is AVG (Grisoft).

www.softwareproguide.com -

Free Internet Security Software

by Dave Jacobs
There are amazing free internet security software products available in any category imaginable. If you select the proper combination of quality free products you will be provided protection as good as or better than that afforded by the purchased alternatives.

You must realize that there is a wide range in the quality and performance of free software, so you need to stick with products that have been tested and have an established track record or at least have been developed by an organization that has previously proven themselves. It is difficult to tell if most internet security products are performing as expected. For example, if a game is not working properly you will be able to immediately tell because the game will not play correctly. In contrast, if a firewall or antivirus program fail to function properly you may not have any idea until long after your computer has been compromised. This certainly is a risk that few of us can afford to take.

I like to think of internet security as a triangle with the three main categories making up the three corners and the secondary categories lying on the lines of the triangle or within the security triangle. The three corners are antivirus, firewall and antispyware. The differentiation between product classes has begun to blur and there are many combination products especially among those sold commercially. To simplify our discussion and allow us to look at a number of unique free products we will look at them as distinctly unique product classes. There is excellent free software to satisfy our triangle concept with this article focusing on a couple of the top products in each category.

There are about 15 free antivirus products that are worth considering with a few other specialized products that also fit best into this antivirus group. My favorite free antivirus product without question is Comodo Antivirus. Comodo is involved in the high end enterprise area of the internet and decided to provide this antivirus product free to help make all consumers safer while online. The bottom line is that Comodo gets a lot of goodwill and free publicity from making such a great product available free of charge. It is a win-win situation! This antivirus product detects and eliminates viruses from desktops and networks, protects with real-time on access scanning, uses proactive heuristic analysis to intercept unknown threats, has host intrusion detection to block malware before it can run, and provides automatic daily updates of virus definitions. The other free antivirus product that I will touch on here is from PC Tools well known for their Spyware Doctor and also Registry Mechanic. In this case there is also a paid version that has direct customer support and faster updates but the two products themselves function the same whether free or paid. PC Tools Antivirus Free Edition provides world-leading protection, with excellent database updates, OnGuard real-time protection and comprehensive system scanning to ensure your system remains safe and virus free. This product is Vista compatible.

There have been many changes in the category of free firewalls with a number of popular free products no longer available and a few new arrivals to take their place. There are about 15 free firewall software products that I feel are worth considering. The two free firewalls that I prefer are Zone Alarm Free Edition which now is Vista compatible and has been a #1 choice for a number of years. It has proven itself as real winner practically defining the firewall class. The other free firewall I would like to mention is the Comodo Firewall, which like their antivirus software mentioned above, is fully functional yet free. The Zone Alarm Firewall is a reliable but basic product that lacks some of the features of their higher-end retail products. This is not to say that there is any type of reliability or quality issue just that it is feature limited. Comodo's firewall on the other hand is in no way a limited feature product in fact it has some of the most sophisticated features of any firewall free or paid! Many reviewers consider it the best software firewall in existence.

There are almost two dozen good free antispyware products available. One feature of antispyware software compared to antivirus and firewall software is that more than one antispyware product can usually be used at the same time. I currently use Windows Defender from Microsoft, Spybot Search and Destroy and Spyware Terminator all running at the same time. They work fine together on my particular system with no performance hit or other problems.

Picking any one product from each of the three primary groups above should give you a more than adequate triangle of internet security protection.

see more http://it-one.blogspot.com/

Earn Money While Online

by Ezekiel Haynes
If I asked the question "Who wants to make money from home?" I'm sure everyone's hand would go up including mine. As you can see my blog was designed to meet new people, sharing ideas and making money while doing it. Today we have access to the world and many companies are providing tools to make money online. But yet and still there remains the idea of fraud. I'll be the first to admit I'm new at this and just like a lot of bloggers, I'm searching for mentors to make my way easier. In the process of doing this I came across a lot of useful info.

Genuine ways of earning money while online, get some form of mentoring. These individuals and companies want to make money online, in order to do so they need to show you how to make money. Without mentoring you will most likely fail. You need some assistance so you can properly understand earning money online and what you need to do to be successful.

A lot of credible people have clearly drawn out instructions on the tasks you will need to perform, they provide resources to help you succeed, and normally there is someone you can contact to ask questions. They will not leave you hanging. If you are at home feeling lost and very much alone you may not be working with a legitimate online blogger(business).

Bottom line, the more information you are given the better. Do thorough investigations to find out as much as you can. Ask questions, not just from the owners of the website but those who have joined it. If at any point you are feeling that something is wrong, are getting vague answers or if its just too good to be true, don't give up but continue looking because there too many people that have done it. And remember what ever you give out you receive back many time over. So if its information, money, or love let it go!!

http://www.legitonlinejobs.com/

10 Tips to Get Out of Credit Card Debt!

If you are like you me and most people you have probably had or have credit card debt. Being in debt can be an overwhelming experience and will definitely keep you up late at night if you are thinking about it too much. Below I have listed many tips to try and help you get out of credit card debt, and try to enjoy life even more. So grab a cup of coffee or a cold drink and sit down and take a read through of these tips because you might just learn something.

1. First off, only use your card for emergencies and not for all small purchases, use cash or your debit card if possible.
2. Pay off your credit card each month and try to pay more than the balance to progress faster.
3. Get a Credit Card with low interest rates, not just a starting low rate that will increase dramatically soon after.
4. Go ahead and move all your credit cards with balances on high interest rates to a card with low interest rates.
5. Make a plan that shows you what you need to do each day, week, and month to get you credit card debt down
6. Try Renegotiating your debt, consolidating debt, and debt settlement.
7. Save cash on the side if you can and start investing your extra money that could be stocks, a business, or hire a financial advisor to help you.
8. Use your assets, like your home, to help you get control of your debt
9. Start a small business or get a second job to earn extra cash, but put it on paper first to plan to see if it is realistic and profitable.
10. Finally, if you find yourself in an extremely serious debt situation, you can fill for bankruptcy.

So now you have 10 tips you can use to help you to get out of credit card debt, remember inch-by-inch is a synch; yard-by-yard is very hard. So take a deep breath and make a solid plan, and be patent knowing you are making progress and taking action, just this alone will separate you from millions of people who ignore their credit problems and debt.

So stay focused on the solution, and use the tips to help. Only use you credit card for emergencies, pay off more than the minimum balance, get a card with a low interest, renegotiate you debt, save cash to invest, use you assets to help, start a small business or a second job, and if need be fill for bankruptcy. Good luck and you can do whatever you put your mind too.

http://www.articlesbase.com/non-fiction-articles/10-tips-to-get-out-of-credit-card-debt-201564.html

Make Money Doing Simple Offers Also 100% Free To Start, Treasure Trooper Review, Is It A Scam?

Ever wondered if there was a site that pays you to sign up and do offers? Well now there is one and its called Treasure Trooper, which is a site that literally pays you to sign up for offers and take very simple surveys. Does this site pay? Yes this site does pay and its 100% Free to start making some cash with it.

Wanna try it now? Click Here!

To prove it, there are forums with photos of happy users and their cheques that they received in the mail(These are updated daily with users who have received new cheques). I have also received my cheque for a decent $30, that's pretty good considering I just started and I also live in Canada. Basically how i started was just doing simple sign ups with a new hotmail account that I could afford to have spammed with junk. These sign ups ranged from 2 minutes to 15 or even 20 minutes but the longer ones also tended to pay much more.

Want to see the proof? Click Here and you can see the latest cheques of happy Treasure Troopers!

To top it off with whipped cream and cherry, every time you complete an offer you get a chance to win a pearl in a game where there are 3 clam shells and you have to pick the one with a pearl. The pearls can be traded in at Mabutu's trading hut which can get you some nice rewards. One reward i particularly liked was the "Pearl Friendship Bracelet" which made two unrefered users go under you, therefore allowing you to earn referral bonuses from them. That was a pretty nice deal for me and made me some more extra cash.

To sum it up, this is definitely a great way to earn some extra pocket money and can be fun at the same time.

5 Ways to Make 8 Million Dollars in China in the Next 90 days

by Raven-Dance
Chongqing is the ultimate gold mine for Entrepreneurs

My Papa kept singing "Try Chang King for your beautiful body..." over and over -- said it was an old TV jingle he liked, while we were walking the streets of Chongqing today. Chongqing is like a hyped up Long Island in New York - millions of people- huge brand-new skyscrapers and set to jump up to 100 million people in the next 10 years! It's the only big city for everyone in the western and central part of China to dream of reaching for their one big travel trip or their escape destination for a better life.

It's a goldmine for the entrepreneur. With the new "3 Gorges Dam" finishing up in 2009, freighters and cruise ships will finally be able to come an extra 1,500 miles into the heart of China - "Chongqing"- for the first time ever, and boy is this area going to explode! As of today there isn't even a Chongqing.com site! Can you believe it, with over 30 million people living there and not one person has a site up yet. It'll get over a million hits a day, just from the Chinese alone! They love to travel within their own country and not one person has set up a Chongqing.com site yet, in any language! So go for it (and spend 200 bucks to get it translated into Chinese) and make a million this year in ad clicks alone. Smile!

If you're not into setting up travel sites, then how about... "Kids indoor play lands"? There isn't one indoor play land in all of Chongqing! Actually I think there are only about 15 indoor play lands in all of China! And those are little McDonald's play lands on the east coast, I mean really little ones with just some padded mats and small plastic slides. The Chinese love their children to the point of Obesity and they need some serious indoor play lands. The first one to set them up will be playfully rich and you'll make allot of people (like a billion Chinese) very happy- everyday. You can even copy places like "Chuckee Cheese's" in America, wow -- would that be the biggest smash in Chinese family entertainment history! Call it "Pappy's Spring roll's" or something springy for the kids!

If you're not into play lands then how about English movie schools! People were lining up to practice their English with us on the street and to take pictures with us - not many of us foreigners in this part of the world. Want to be a movie star? Want to set up "Hollywood English" where students memorize scripts and film each other? Go to Chongqing!

If your into big projects... they need bridges and small single apartments like you wouldn't believe, hundreds of thousands are moving in each day! This might become the biggest city in the world in the next 10 years! And you heard it from me first! Maybe that jingle my Papa likes, will have a comeback! I'm sure the Chinese would love to learn it in English!

Whatever you do, this city needs some serious western thinking in entertainment, they have the money and the people and a heck of allot of Chinese restaurants and some rinky dink shopping malls, but that's about it for entertainment - fly over and take a look at the biggest city -- Secret in the world! Or go to "Google Earth.com" and take a peek, at this ultra modern Chinese Long Island. As of today you have zero competition and an unlimited market... if you're a capitalist this is the city for you!

You can introduce any first world entertainment or convenience ... such as Automatic trashcan lifting trucks into the city, and you would be a huge overnight success! You would have to introduce garbage cans first, but that would be another huge financial success for you while you truly help the people living there. They want your help and anyone who has lived in a first world country can easily give it to them, they will gladly pay you for it. As is, you had better buy a kite when you arrive because that's the only fun you'll have in this beautiful growing city.

If you have no interest in entrepreneurial stuff at least tell your broker to put a sizable percentage into Chinese Commodities (they have no limit to the needs of basic commodities) and join my family at the Olympics in Beijing this next summer, I guarantee you it'll be an exciting time!

I'll be at all the diving event, if you ever want to stop over and say "Hi"!! Look for my family, we'll all be dressed in white - can't miss us! And if you made more money than Midas in Chongqing this year because of my heads-up you can buy me an Olympic souvenir! Like a diving teddy bear!


http://www.goarticles.com/cgi-bin/showa.cgi?C=581853

How much have you invested in an Internet Business? Have you made a profit?

by Michele Ferris
At some point in time, you must have been introduced to the world of online business. And since then you have seen so many opportunities that were suppose to make you $200 per day right? Don't be shy; you can admit that you did waste a bit of money trying out some of these businesses. I know I have. With so many opportunities bombarding you, how do you know which ones are legit, and which ones actually work? I have come across so many different opportunities. But one thing you should be aware of is that they may not all work, but if none of them worked, then the industry would be dead. So if you're serious about starting an online business, there are a few things you should keep in mind:

1. Zero times anything gives you zero. Simply put, if you intend to make anything, you have to invest something. Don't expect to find free or cheap ventures and make millions from them. You cannot start a store without merchandise to sell right? It's the same thing with online businesses.

2. Make sure you fully understand any business that you decide to try. Their sales pitch may tell you one thing and then when you sign up, it's a different story.

3. Don't be fooled that you don't have to put any time and effort into making money online. That's just not true. There are times when you'd have to dedicate several hours a day especially to set things up.

4. If possible, explore multiple streams of income. Don't just stick to one source.

Now, you may be wondering, "How the hell am I suppose to know these things"? And you're right. In the real world, when you started your job, you got a job description and you had some kind of training right? So why should it be different with working online? You took a computer class to get the skills you have right? So why not take a course in making money online? I have to tell you, I've come across the best system that I've seen on the internet in the few years that I've been exploring online business. When I started, I didn't know what an affiliate was. I signed up for an affiliate program, but what next? Then I signed up for a data entry program where they set up a website for me but I don't know how to edit a website and I couldn't afford to hire a webmaster. You can check it out now http://www.prodigysupplies.com. Its still sitting there because I had no idea what to do with it.

So when I came across this program called Forex Enterprises, again, I was skeptical, but something about the pitch made me try it. I paid $47.00 to sign up for the data entry program and $49.95 to sign up for Forex. Let me tell you, Forex is worth at least $200.00. You're not only given an online course, but they set you up as an affiliate in about seven different programs, and set up a website for you that you can manage and edit (without knowing any fancy code).

The online course teaches you every lucrative way there is to make money online. They even start out by teaching you the right mindset to have. From paid surveys to selling on eBay, this course covers it all! They teach you how to write ads, recommend legit and reliable companies, and tell you what not to do. Why would they do this? Simple: if you make money, they make money, so they make it easy for you to make money. And the best part of this is that there's a 30 day money back guarantee. I know this is no bluff because on my website, I can see that my earnings don't get finalized until after the 30 day period. Now, remember that dead end website I told you about? Well, check out the website that I got when I signed up for this program - http://www.amsessentials.com and my blog - http://www.amsessentials.com/blog. I'd say its worth checking out. Try it today!

Google Adsense - Ads That Make You Money!

by: Lewis Low
Imagine... being paid checks by the largest and most popular search engine, simply for displaying a few ads on your website for FREE?

Well, this is exactly what the Google Adsense program is all about! And when you think about it, it's a revolutionary way of earning yourself a useful online side income. But let's back up a bit...

In the past, many webmasters displayed ads from various companies, via pop-ups, banners, pop-ins and pop-unders. However, visitors to these sites soon got tired of these advertising methods - I mean, who'd like to go to a website where they'd have to close pop-up windows every other minute? This resulted in a dramatic loss of traffic, and in turn made many webmasters to lose profits.

That's when Google announced a novel program – Google Adsense. Instead of having to use banners and pop-ups to advertise companies and gain a commission, website publishers could now earn a decent profit by displaying unobtrusive text ads on the content pages of their website. Since the ads displayed were often directly related to what your visitors are looking for on your site, you had a way to both monetize and subtly enhance your web content.

One of the main reasons for its popularity, is the fact that the Google Adsense program is incredibly accurate. By stepping beyond the boundaries of simple keyword matching, it has quickly become one of the most prominent tools to display accurate advertisements. A list of keywords is still used as the basis of triggering ads, but complex algorithms now ensure that non-relevant ads no longer show up on your site.

Google Adsense also gives you the option to be selective about the type of ads you wish to display. This helps you direct your visitors towards certain type of products and avoid non-relevant or competitor ads. To make it possible for everyone to integrate Adsense into their sites, the program offers a wide variety of settings that allow you to alter the ads' size and appearance.

Google offers their Adsense program to just about all website owners. After signing up for the program, you'll receive an HTML/ XML code to paste on all of your web pages. Then, Google will dynamically generate ads that are relevant to your web content. Whenever a visitor clicks on one of the Adsense ads on your site, Google credits your account with a percentage of money that was paid by the advertiser for that ad.

To sign up for this terrific program, hop over to http://www.google.com/adsense It's super easy to set up - just a few clicks of your mouse and you're ready to go! Once you start displaying targeted Google Adsense ads on your website, you can expect to generate a sizable income depending on the traffic flow to your site and how many visitors actually click on the ads.

OnlineBizPromo.com

3 Tops Reasons Why You Must Have Your Own Affiliate Marketing Website

by: Mal Keenan
Budding entrepreneurs entering the affiliate marketing business invariably struggle with many questions on the setup, methods and strategies of their new business.

In dealing with prospects on a daily basis the same question arises time and time again:

Should I get your own website? Do I need one? Will it make a difference to my affiliate sales?

If you have ever joined any affiliate programs at all then you will know that every affiliate program provides you with your own version of the merchants sales page - coded with your affiliate link, in order to track sales.

Technically it is possible to make money promoting this turnkey site that the merchant has provided. In my professional opinion and from my own experience though, this is NOT the way to go if you are serious about making your affiliate business a full-time enterprise.

Let me explain why - giving the most important points against using the affiliate website:

1. By far the most important factor is that the affiliate program can go out of business at anytime leaving any promotions that you have done for your affiliate site useless. If you have links on the www pointing to an affiliate page and the company is no longer in existence then those links will fail to work.

If you have your own website then YOU are in control. You can simply point the link on your end to a new company and thus give you a chance of building a new income stream.

2. It is undoubtedly of massive importance that you build your reputation online. If you only promote another persons website, even though it will bring you commissions, it will usually have the name of the product owner on this site. So, in this case, you are building the merchants' reputation and web presence instead of your own. Branding your name and business online will lead to further success so it's better to get YOUR name out there right from the very start.

3. Point 3 is, that with an affiliate page you don't have the ability to make changes to your webpage. Again, this is a business, so you MUST add your own uniqueness and some personality to the aspect of this business that you are presenting to the public. You CANNOT do this with the affiliate site that the merchant provides - ONLY with your own website and domain name.

So by now you may be asking for the solution. The only answer is to get a website and build YOUR own web presence and brand rather than someone elses. This way you can promote any affiliate programs you like from your new site AND you can change the links, content etc. as often as you require.

This is how I personally do it. If you visit my own sites you will see that I have added loads of my own content BUT each of the links from within that site point to affiliate product from which I will get a commission for evey sale that is made.

Do you see how this works? Do you see how it is a much better strategy than promoting an affiliate page that will NEVER belong to me?

Now, at this stage you may be terrified as to how you where you would even start to acquire your own business domain name and website.

The process is actually quite simple, once you actually begin to push through the fear and take action.

If you don't see the importance of having your own website now then believe me, it WILL become clear as you get a better understanding of online business.

For a few dollars per year for a domain name and hosting you are much better to have an affiliate website than be without one.

malkeenan.com

Work at Home Benefits

by Mitchell Cator
'I want to be my own boss' is today's most cited reason for people opting for work at home. Amongst numerous advantages the most important benefits of work at home are:

Stay with family: One of the most popular benefits driving people to work at home is that one gets to stay with the family all the time. This strengthens the bond between family members and every member can contribute towards the work. Children can also understand the importance of work when they see their parents working hard to earn their living and make them happy. Parents can also take good care of their kids as they stay with them throughout the day.

Freedom of time: One can work at his own leisure- there are no fixed office hours, no bosses and certainly no hectic targets to be met. Work at home allows one to fix their working hours at their ease and can take break from work whenever needed depending upon their call for other household work or even for rest.

Financial savings: Work at home or home office results in tremendous financial savings for an individual. There is no rental cost or separate electricity bill, no daily transportation cost to and fro from office making your business more competitive. This enable one to reap more financial gains from business and much of the profits are used in expanding business as there are very little or no overhead costs.

Increase in productivity: Home office means there is no commuting time for the entrepreneur and no time wasted for lunch break or tea breaks resulting in more time for business. Work at home thus increases the productivity of the business as the owner is able to spend more time on business activities.

Freedom of work: Work at home allows one to do so many types of work and is not doing one job daily in a monotonous manner. While working at home one can change the nature of job and can do various work at one time.

Tax Benefits: Work at home entitles you to claim a part of household expenses such as rent, electricity bills, and telephone bills against business profits. One can also claim house repair and maintenance, property tax, insurance costs etc. from taxable profits. This results in huge tax savings and thus resulting in financial gains for the home business.

As people are becoming aware of the benefits of home business more and more of them are getting attracted towards work at home opportunities and this phenomenon is becoming popular day by day.

homebusinesswonder.com

Online Business On A Shoestring

by Daniel Moro
If you want to start an online business and you have virtually no budget there are several options available to you. This article explores online businesses that you can start on a shoestring - for those of you who are on a tight budget but still want to start an online business.

Before you start any online business you will need a computer with access to the Internet, but since I think you are reading this article online, I am going to assume that you already have those. And that is good because it means you already have the major expenses taken care of. If you have a computer and Internet access then you can get started with an online business today.

Here are a few online business ideas for those on a tight budget.

1. Launch a Web Site

It is not expensive to set up an online publication in the form of a web site, ezine or blog. You can obtain a good web hosting package for as low as five dollars per month. If your budget is too low even to afford that then you could set up a free blog at Blogger.com.

The key with a web site business is to build popular sites with a large following of regular readers. Then turn that traffic into revenue through advertising, subscriptions, and sales of your own products and services.

For your web site content I recommend that you write your own original articles as that can be more effective and less expensive. By having original content your pages will rank more highly at the major search engines. Another option is to pay freelance writers a fee for writing articles for your site. It is also possible to source articles from free article directories but keep in mind they will not be original.

2. Affiliate Marketing

Affiliate programs are one of the most popular ways for companies to market their products and services online. A company offers a product or service. As an affiliate you sign up to promote the product. Your task is to send a stream of visitors to the company's web site. You do this using a customized link that allows the company to identify which affiliate referred the visitor. Whenever a visitor sent by you buys a product, you earn a commission.

Many affiliates promote affiliate products by placing advertisements at pay-per-click search engines. If you are on a tight budget, however, you can use other methods to promote affiliate products such as promoting them on your own web pages or writing articles relating to the product.

3. Article Marketing

Article marketing is one of the best ways to build an online business at no cost. In fact article marketing can be a business in itself. Article marketing involves writing articles that webmasters can use on their web sites, in return for showing an "About the Author" resource box at the end of the article. That paragraph about the author includes a live link to the author's web site.

You can write articles on almost any topic imaginable. Article marketing is very popular because webmasters need content for their web sites and good content is hard to come by.

Those resource boxes are your opportunity to obtain large amounts of web traffic at no cost. You can use your resource boxes to send traffic to your own web site or to send visitors to landing pages that promote affiliate products.

4. Freelance Writing

If you like to write but you do not want to set up your own web site or online publication, you can still start working online, for example as a freelance writer. Freelance writers are paid to write many types of documents, from articles for magazines and newspapers through to business sales letters, instruction manuals and even greeting cards.

These are only a few ideas for launching an online business on a shoestring. There are more online business ideas at DanielMoro.com

Daniel Moro's web site covers much more than starting an online business on a shoestring. Download a free ebook on '10 Remarkably Effective Traffic Building Techniques' today at http://www.DanielMoro.com

Seo Writing For Your Own Website

by Kit Heathcock
Writing copy for your own website is a complex business. Not only do you have to write good copy to publicise your business and sell your services but, if you want your website to get seen, you have to understand a little about how the web works. SEO, Search Engine Optimization is the buzz word. Big businesses will pay for specialist SEO services, but what can small business owners do, if they are writing and building their own websites? The first thing to look at, before you even start writing, is the choice of keywords. Keywords are the words that search engines pick up on, the words that people type in to the Google Search Bar. You can purchase programs that research keywords and rate their effectiveness and if your business is internet based with multiple websites it is an excellent investment. If however you have one small website and just want to do the best you can yourself, there is still a lot you can do in a low-tech way to improve your chances.

Think about your business. What words would someone type in if they were searching for the type of services or products you offer? If you are a specialist supplier or technical expert, catering to other knowledgeable clients, then the terms they are likely to type in to search might be quite technical and specific, but if your business serves the general public then you may need to exercise your imagination. Try it for yourself. Use a search bar to type in a few keywords that you think relate to your business and see what results you get. If the selection on the front page represents mainly businesses similar to yours then you are on the right track. If not, keep trying new words and combinations of words.

Spend plenty of time on this research. Have a look at what keywords your competition are using. What words recur in their titles and sub-headings, what search terms find them?

Try to get the balance right between too general a term and too narrow a phrase: eg typing in just 'travel agents' would produce such a huge mass of results that you are unlikely to feature on the front page ever. Typing in rather 'travel agents San Diego', would narrow it down to a geographical area, and typing in a specialist area as well, would again narrow down the search results. So look for your specialist areas and find a phrase that covers them, but one that people might realistically think of and be able to spell.

This is another area to consider. There are loads of misspelt words that make good search terms, just because people frequently spell them wrong when searching. So you could decide to misspell a word on your website on purpose to attract that traffic. This has to be offset against the detrimental effect of misspelt words to your professional image. Only you can decide that - it depends on your area of business and likely clientele.

Once you have found a few keywords that reflect your main areas of business, select two or three of the most relevant and start writing your home page copy. Your chosen keywords need to be used several times each, but you must be careful to use them in natural language. Resist the temptation to over-use them. Search Engines get suspicious if you pack in keywords in artificial language and will mark you down on it. Use the keywords in the first sentence and in the last sentence of each page and, when they fit naturally, about once in each paragraph. Use your prime keywords in headings in bold too. This adds to their impact, weighting the importance and relevance that the search engines give to them.

If your website is several pages long, choose different keywords according to the main subject of each page.

Search engines value content above all and content that is regularly updated will maximise your chances of being seen. Build a text space into your home page that you can update every week, with latest news, a new article or whatever is relevant to your business. Do remember that Search Engines are looking for relevant content, so splashing an article about travel when your business is in catering won't help your ratings - choose to feature latest food trends rather.

After you have written up your copy with keywords in mind, read through it afresh. There is no point in perfect keyword research and placing, unless that copy also speaks to your potential clients. Your copy needs to appeal to humans as well as search engines!

Copyright 2007 Kit Heathcock
goarticles.com

The Top 10 Reasons Why Online Buyers Abandon Their Shopping Cart

by Miles Galliford
In the online world, when a shopper starts the purchase process, but does not complete it, it is referred to as "abandoning the shopping cart". The purchase could be for a product, service, subscription or any other transaction, where an individual has to pay money via an online form.

Research undertaken by MarketingSherpa (www.marketingsherpa.com) and E-Tailing in 2006 discovered that average abandonment rates were 60% and 47% respectively. This means that the average commercial website is losing as much as half of its potential revenue.

Shopping carts abandonment is the single biggest cause of lost revenue for commercial websites.

The top ten reasons for abandonment, in order of importance, are:

- Hidden charges at the checkout

- Having to register before buying

- The buyer was comparison shopping and found a better deal

- The shipping costs were too high

- The buyer didn't have time to complete the checkout process

- The product was out of stock

- There were no clear delivery details

- No phone number was provided

- The checkout process was too long

- The buyer was uncomfortable with the checkout process

Any website with a checkout should continually test and redesign the process, until the dropout rate is minimised. There is no single right answer to creating the perfect checkout design, but there are many things that can be done to make the process better.

Ten Simple Ways You can Improve the Checkout Process

Avoid adding hidden costs during the checkout process. This breaches trust and makes people question the value of the product or service you are selling

Provide all the information a customer could possibly need at the beginning of the checkout process, including confirmation of what they are buying, the total cost including postage and packaging, delivery times, availability, links to the terms & conditions and returns policy, as well as contact details for a real person.

Don't make people register or give personal details until they are ready to make a purchase and pay. Many websites still make the mistake of demanding personal details as soon as a visitor wants to add something to their shopping cart.

Limit the choices that people have to make when checking out. Research has shown that the more choices people are given, the higher the dropout rate.

Ensure that any shipping costs are fair and reasonable.

Ask for the absolute minimum of information required to process a transaction. Every extra piece of information you ask for increases the chance that your buyer will not complete the purchase.

Ensure you have clear contact details on EVERY page of the checkout process. Most people won't call you, but it reassures them that someone is available if they need help.

Clearly state that all transactions processed through your site are secure and encrypted. Also make it clear that you have a privacy policy, which protects the buyers' identity and data. The statement linking to the policies could read "We take your privacy and the security of your data very seriously. Click here to read our security and privacy policies".

The first piece of information you should collect is an email address. This gives you the chance to email people who don't complete a transaction, to ask if there was a problem, and if you can help them complete their transaction.

Make the checkout form visually appealing and very, very simple. Studying and improving the checkout process on your website can have a dramatic impact on the revenues you make. Many of the changes are simple and common sense, while others will only come to light through continual testing.

Above all else, you should make a trial purchase every time you make a change, and at least once a week to ensure everything is working properly, and so that you can experience what your customers are experiencing.


goarticles.com

Make Money At Home: Be a Successful Work At Home Mom with Your Kids! You can!

by: Susan Joy Dahl
How can a work at home mom really make money at home?

That’s the question. Please don’t tell me about network marketing & affiliate internet marketing programs to run around for hours to make peanuts! What about the 20 year old kid who makes a presence online to make money at home? Doesn’t that just fry your brain? If young kids can learn how to utilize the computer, couldn’t I? For the weary & overworked mom, either alone or married, learning how to make money at home can be overwhelming. However, I knew that if I make money at home, I could still be home with my kids! That’s my desire & reality!

I thought: “You see this computer? This is my best hope to make money at home & to be a successful work at home mom!” Would $300 to $1000 a week help the finances? Would that amount of money every few days, or, when I really learn this stuff, once a day, be possible? Sure, with the computer, internet, & web sites, this goal can become your reality over time, if you stick with it. The work at home mom needs to be able to make money at home in a substantial amount with part time and flexible hours. I only have 5 hours a day to do my magic online!

Learn internet marketing secrets as a free Make Mega member from trainers who make millions of dollars with effective & simple techniques that anyone can learn. They are not Bill Gates of Microsoft but they do make millions from their Gateway laptops! The funds… 100% commission at $70, $300, or $1000 a pop… go directly into the bank account of your choice! It doesn’t get much better than that!

God comes first, then family, then work. God bless you for having the desire to be a work at home mom & to make money at home. To be a wife and mom is an honor, not a lowly position. Perhaps, you do not want to chase after a career to be away from your family or children for 40 to 60 hours a week. You can choose to be a successful work at home mom & to make money at home. Now I have an enjoyable & prosperous family life. If I can do it, so can you. Let me help you get there!

Sincerely,


Susan Dahl
Outreach Coordinator of Solid Rock Development
http://www.MakeMegaMoneyAtHome.com

Google Adsense - Ads That Make You Money!

by: Lewis Low
Imagine... being paid checks by the largest and most popular search engine, simply for displaying a few ads on your website for FREE?

Well, this is exactly what the Google Adsense program is all about! And when you think about it, it's a revolutionary way of earning yourself a useful online side income. But let's back up a bit...

In the past, many webmasters displayed ads from various companies, via pop-ups, banners, pop-ins and pop-unders. However, visitors to these sites soon got tired of these advertising methods - I mean, who'd like to go to a website where they'd have to close pop-up windows every other minute? This resulted in a dramatic loss of traffic, and in turn made many webmasters to lose profits.

That's when Google announced a novel program – Google Adsense. Instead of having to use banners and pop-ups to advertise companies and gain a commission, website publishers could now earn a decent profit by displaying unobtrusive text ads on the content pages of their website. Since the ads displayed were often directly related to what your visitors are looking for on your site, you had a way to both monetize and subtly enhance your web content.

One of the main reasons for its popularity, is the fact that the Google Adsense program is incredibly accurate. By stepping beyond the boundaries of simple keyword matching, it has quickly become one of the most prominent tools to display accurate advertisements. A list of keywords is still used as the basis of triggering ads, but complex algorithms now ensure that non-relevant ads no longer show up on your site.

Google Adsense also gives you the option to be selective about the type of ads you wish to display. This helps you direct your visitors towards certain type of products and avoid non-relevant or competitor ads. To make it possible for everyone to integrate Adsense into their sites, the program offers a wide variety of settings that allow you to alter the ads' size and appearance.

Google offers their Adsense program to just about all website owners. After signing up for the program, you'll receive an HTML/ XML code to paste on all of your web pages. Then, Google will dynamically generate ads that are relevant to your web content. Whenever a visitor clicks on one of the Adsense ads on your site, Google credits your account with a percentage of money that was paid by the advertiser for that ad.

To sign up for this terrific program, hop over to http://www.google.com/adsense It's super easy to set up - just a few clicks of your mouse and you're ready to go! Once you start displaying targeted Google Adsense ads on your website, you can expect to generate a sizable income depending on the traffic flow to your site and how many visitors actually click on the ads.

OnlineBizPromo.com

Make Money Selling Ebooks with CBMall

by: Paul Heingarten
Information is one of the biggest reasons people surf the internet. Finding out how to lose weight, how to meet that special someone, how to work for yourself and fire your boss...the topics go on and on. Amongst the sites that deal with topics like this are an ever-growing collection of eBooks. eBooks are a great item to sell, as there are no printing or shipping costs. All you need is the website from which to sell eBooks.

CBMall takes care of the website for you. All you need to do is promote ebooks that are sold through CBMall, and you receive a commission on all sales through your mall. The "CB" in CBMall refers to Clickbank, which is one of the largest repositories for eBooks on the internet. CBMall takes the most popular, best selling eBooks from Clickbank and makes them available in an easy to use website that functions like an online shopping center, or "e-mall".

I purchased a CBMall back in 2005. With your purchase, you receive your own link that gives you commissions on all sales made from people who click your link. You do not need a website, which greatly reduces the amount of investment you need to make. Your CBMall account gives you access to a knowledge base of how to get started with promoting your CBMall and even offers some words of encouragement from Jeff Mulligan, creator of CBMall.

Jeff has created a great mini course on CBMall and how you can use this to develop your own online business. The course is free to take and it is a great way to check out CBMall without spending any money at all.

I have been impressed with the ease of use of CBMall, and its various features. There aren't any hidden surprise charges that come up after you buy it. The only other investment you can (and should) make is in promoting your CBMall link, since that is the way you make money through CBMall. The good news is, Jeff offers you a good amount of information on how to market and promote your CBMall. The great news is you are not forced to buy loads of software or sign up for any hosting or long term monthly service agreement.

I've promoted my CBMall through some Pay Per Click ads on Google and MIVA, as well as some Ezine ads. I've sold several products through CBMall and have built up a considerable amount of subscribers to Jeff's CBMall mini course. I will be paid commissions if any of the subscribers under my name purchase CBMall. There is some sample promotional copy for CBMall available through the site, just keep in mind you'll probably want to use your own as a lot of people will probably use the standard stuff.

CBMall gets an A+ with a big gold star. This is a great tool - just remember, you'll need to spend time and some money to get it to work for you (just like any worthwhile business venture.)

Find out about more about CBMall here http://theebookstar.com/cbmall

Making Money Online - Mary, Steve And A Work At Home Opportunity

by Elaine Currie
People seeking ways to make money online, often give up because it seems that success with an online business requires a big cash investment. It is true that an online business needs to be advertised, otherwise nobody will visit your website and you won't earn any money.

Free and paid for methods are available to promote an online business. Both types of promotion work. Free advertising methods usually need an investment of more time and results often take longer. The process of setting up paid methods is quicker and the fastest results are very often obtained from the most expensive forms of advertising. The logical conclusion to draw from this is that a person with a large advertising budget will inevitably succeed faster at making money online than a person with a budget of absolute zero. However, when you are talking about starting an Internet based home business, logic does not always apply.

If you read articles about starting a home based business online, you will come across advice about what is essential to online business success. The most often quoted qualities are patience and persistence but you will probably never read an article that says the sure way to achieve success with a home based business is by starting out with a massive budget. Let me illustrate why this is the case with a true story.

Two people, who both already had full time jobs, joined the same online home business opportunity and received exactly the same training and support. Briefly, what they each needed to do was either build a website from scratch, or customize a website using a free template, and then promote their website to earn money from various affiliate programs.

One of those people was an intelligent young man in his twenties (we'll call him Steve) who had a well-paid and rewarding career but was drawn to Internet marketing by things he had heard about the possibility of earning large amounts of money online. Steve had a strong ambitious streak and wanted to get rich in as short a time as possible.

The other person (we'll call her Mary) was in her fifties and working for not much above minimum wage (because when you are aged over fifty you are lucky to get that much). Mary had to go back to work full-time after her husband was disabled by a stroke and they still had mortgage payments to meet. Mary just wanted to find a way of making a little extra money online so that she could work part time and spend more time at home with her husband.

As I said, Steve had a good job, and he had quite a bit of cash saved up. This enabled him to pay a freelance designer to build a website for him and then get off to a fast start using paid advertising methods.

The loss of her husband's income and the expense of putting kids through college had eaten up Mary's saving. So she learned about html coding and used a free template to build her own website. Then she started advertising her website using free promotional resources. She then managed to raise a small amount of cash by selling some stuff she no longer needed via a garage sale and this cash was used for some paid advertising. Mary ploughed her profits back into her home business each month and persisted in her efforts with free advertising. By the end of her eight month running an Internet business, she was earning enough to meet her mortgage payments each month and the day she would cut her job down to part time hours was getting closer all the time. Giving up her job altogether to earn a full-time income working at home is no longer a dream, it has become a realistic target.

Sadly, Steve was not around to witness Mary's triumph. He had relied totally on his money working for him and this was a big mistake. He did not spend wisely and failed to calculate what level of return he would need to make a profit. One big error Steve made was that he did not monitor his pay per click advertising campaigns closely. Just that one error brought a loss of over $3000 within about two weeks. At that point he gave up trying to make money with an online business. His reasoning was that, if a professionally built website and an investment of over a thousand dollars a week couldn't bring success in his attempt to make money online, nothing would.

If this was a work of fiction, I would now reveal that I am, in fact, "Mary". However, this is a true stroy and I am neither Mary nor Steve and it took more than eight months for me to get to the stage Mary has achieved. My story is quite close to Mary's but I didn't have the inspiration of having a garage sale!

The moral of this story (insofar as there is one) is that cash is no substitute for patience and persistence when you decide to start a home business online.

goarticles.com

Money Fast and Easy for Life

by Randy
Nearly everyone in internet marketing is talking about how great it is to make money with articles. And it's true, articles are an awesome and easy way to make money online. And the best part is, there is more than one way to do it.


You can create articles that generate free traffic to your website and get you sales for what ever it is that you are selling.


These same articles can send traffic to websites you are promoting as an affiliate and get you long term residual income in the form of affiliate commissions.


You can create websites full of meaningful content and run Adsense ads on your WebPages to generate income by selling targeted advertising to people that are looking for targeted traffic.


You can even quickly create your own e-books and sell them on their own mini sites, or even sell resell rights to these e-books.


The truth is, there are many ways to make money by way of writing articles and there are the most profitable and simple ways to do it. There is a free 65-book digital book vailable on how to create great articles that generate traffic as quickly and effortlessly as possible!


Access the private member download area with the code "MAMBO" to get the complete article marketing course & audio.

http://articlecashprofits.com/member/?thankyou-page=5710

Download PC Satellite TV - How this can make your life more enjoyable

by Sandra Moore
Have a PC in your office and want to know what the news are but don't feel like going into your living room to turn on CNN? I totally understand where you are coming from, so I went ahead and downloaded a program that lets me watch Satellite TV anytime I want to on my PC. Often when I am in the middle of my busy work day and just simply need a quick break from my work at home desk, I just simply switch over to my TV program quickly check out the news and the latest baseball scores, sometimes I even watch a cooking show to get inspiration for dinner, and without having to walk throughout my own house and get sidetracked by the laundery that needs to be done or the floors vacuumed. To me there is nothing worse than getting sidetracked for too long. This way I can just enjoy a good show for 30 minutes in my office and go straight back to work, it also comes in handy when my cable provider goes down again and I cant watch regular TV for a few hours. But lately I really learned to appreciate the luxury of having Satellite TV on my computer as well as laptop. When I travel I have access to any channel I want to, not just the local channels the hotel offers. And my son is able to watch shows in different languages and learn more being that any good Satellite TV program also comes with a variety of international channels. Have a layover at an airport, watch TV on your laptop. Tired of everyone hooging the TV watch Satellite TV on your PC To learn more about Satellite TV Click Here!

How To Make $1,000 With One Article In Under 24 hours

by Randy
This is a very quick step, but it will show you exactly how I earned over two thousand dollars in the first few weeks I started promoting affiliate programs.


I started off promoting three affiliate programs, I then wrote 3 articles based around all those affiliate programs and I put links to them in my article. Mind you I did not have a web site or anything sophisticated like that :) I submitted articles to hundreds of ezine publishers which I found at TopEzineAds.com and DirectoryofEzines.com and sent them out in one day.


These articles produced over $1200 in sales in three weeks. In my article by-line I also placed my autoresponder link so they could sign up for my free course. With these names, which were just over 700, I gave them the chance to buy another product from me that I happened to buy the resell rights to. I earned another $1100 from these people as

well in that initial 3 or 4 week period. So that's just a bit over $2300 in sales in 4 weeks work.


I was also getting checks every month for doing nothing as other people began promoting my articles with out me asking them. I also ended up getting my name blasted all over the search engines as people who published my articles put them on their web sites.


I also signed up quite a lot of people under me, who are now selling these products and I'm still earning commission from their hard work. I love 2-tier affiliate programs, they bring you in just a little bit extra every month for nothing with no permanent web site.


That's it. It cost me nothing to set up and the advertising was free, so it was all PURE PROFIT. I do the same thing now every month without fail. While what I made in that month is small compared to other affiliates, it goes to show you how putting a little hard work in your first month online can bring you amazing profits.


The longer you keep promoting your affiliate programs and trying new methods, you will constantly see increases every month in your commissions.


You can get the complete step-by-step article course and audio for free using the Member Registration Code "MAMBO" here:

articlecashprofits.com/member/?thankyou-page=5710

Applying for a credit card

by Mammon
Given that you are reading an article about credit cards, you are most likely thinking of applying for one. If you have the right reasons, then this is an excellent idea, however you need to make sure that your circumstances support it. If you have good credit, you can get an excellent rate, however if you have any past credit issues then you need to keep an eye out. There are sharks out there who will promise you the world, but end up giving you something ridiculous something like 23% APR with a $300 limit, and almost that much to activate it. Yes, this really exists, from a bank in North Dakota.

With good credit

With good credit and a good income, just about any card is available. Often, if you have particularly good credit, you will get offers in the mail and not even have to go out looking for them. Of course, if it came in the mail, it's probably not worth going for anyway.

In fact, the best credit card can even be something usual, for example a rewards card from a grocery store. A surprisingly large number of grocery stores have partnered with a local bank to provide rewards cards that double as visa cards, and as a discount card as well. A few stores will also send customers coupons when they spend a certain amount.

Often good credit holders can get discounts on insurance, no annual fee credit cards, point rewards credit cards, and much more because they have meticulously attended to their credit score.

With Bad Credit

Although your credit might be quite bad at the moment, there are still much better ways to build it back up then by going with something like the abysmal card mentioned above. If you go to your bank, they'll probably be able to set you up with a secured credit card, which will at least give you something. They'll ask for a security deposit, usually at least 25% of the limit, but possibly as high as all of it, and have a low limit to boot. Still, this will give you the chance to re-establish your good credit score, at which point your bank will most likely be willing to remove the restrictions.

However, beware--these unsecured offers that come in the mail are often worse than the above-mentioned North Dakota card. Go to your bank or credit union for your secured credit card; they may even have a way for you to apply for your credit card online.

goarticles.com

How To Make Money From Your Website

by Steve Hill
Would you like to start making some money from your website? Are you looking to increase the amount of money that you are making from your website? I would imagine that most webmasters would have answered both of these questions with a big loud yes. Why not? We all need to earn money to live, some people say that money does not always bring happiness but in my opinion it certainly helps and makes life that little bit easier.

I am a webmaster who has nine years experience of seo, web marketing and web promotion. I have made a lot of errors in these years but have also learnt from each and every one of them. I now believe that I have quite a good knowledge about how to dominate the major search engines for a websites main keywords and also about how to make fairly easy money online.

Only last year my web promotion advice helped a friend of mine to reach the top of google.com for the very competitive search phrase of car insurance. This enabled him to sell his insurance comparison website for £100,000.

There are number of ways in which you can make money from your website. One of the most popular is to sign up to google adsense. This is where you enable google to place their adwords advertisements on your website. If you have a high traffic site, you can make quite a lot of money out of this program, without having to do any work. If your site has only a small amount of visitors you can then start to promote the site to attract additional traffic.

There is also the option of signing up for affiliate programs, this again can provide a nice little income. Examples of these programs are sites such as hypnosis downloads and amazon.

You can also sell text links on your website to help promote other websites. This is generally not a good idea however as the major search engines always advise against doing this.

goarticles.com

MasterCard Gold and Platinum Credit Card Benefits

by cynthialstewart
MasterCard is one of the largest credit card issuers in the United States. The reward programs offered with Gold and Platinum MasterCard are truly exceptional. Providing a great value in terms of rent saving, reduced repair costs, travel rewards, and a lot more these reward cards are true money savers.
MasterCard provides insurance for its credit card holders. As MasterCard is growing in popularity and is being accepted worldwide, MasterCard has launched its global service to cater to this growing clientele.
If you travel a lot MasterCard has a lot to offer for your travel and stay in a hotel to be truly rewarding. The travel assistance services offered by MasterCard will help you greatly. The purchase assurance coverage, baggage delay coverage, extended warranty coverage will take the blues out of your travel and renting experiences. While traveling if you are having a MasterCard gold or platinum card you are covered for hotel/motel burglary, lost or damaged luggage also.
For a great shopping experience that rewards you handsomely MasterCard provides purchase assurance, satisfaction guarantee, extended warranty, price protection and not to mention fabulous discounts with their preferred partners.
Having a good credit history can easily get you a Gold MasterCard, while Platinum MasterCard might require excellent credit history. There are numerous credit cards, offered by MasterCard, which offer one or more combinations of above mentioned rewards. To get more details one should contact the financial institution that has issued the credit card for complete and accurate details of the benefits that will apply for that credit card are eligible for.
Moreover ,it pays to stay in touch with the credit card issuer because the reward programs constantly get reviewed. This can lead to a particular reward being extended, improved or in some case dropped from the benefits list. However, the credit card issuer will notify you at least 60 days in advance before cancelling any benefits or rewards. Make sure to checkout with the existing terms and conditions minutely before buying any reward card.
article source goarticles.com

Bank Charge Unfair

by bankchargesreclaim@yahoo.co.uk
Bank Charge Unfair
Call Free 0800 0 811 558
www.llltd.org.uk
Banks have been charging their customers extortionate amounts whenever they go overdrawn, a cheque is bounced, a direct debit payment is returned, etc.
The Office of Fair Trading has ruled that it is unlawful for banks and credit card issuers to charge more than the cost incurred to them when their customers:
* Go over their overdraft limit
* A cheque is bounced
* A Direct Debit is returned
* And many other similar misdemeanours
Penalty charges are illegal. Banks can only impose charges, which are in proportion to their costs. Many believe there's no way a £30ish charge, when someone exceeds their overdraft limit or bounces a cheque, is proportionate.
Remember it could simply be 1p over the limit and you're charged, and even if it's more, you pay interest anyway. It's their costs we're looking at. Does it really cost £30 for a computer to write and send an automated letter?
If it isn't proportionate then it's illegal, and thus you've a right to your money back.
How can charges get so big, why do people reclaim £1000s?
These charges snowball. Imagine you go beyond the overdraft limit, you're then hit with a fine for that and a couple of fines for bounced cheques or Direct Debits. Now suddenly you're around £100 down, which you can't afford to repay - next month there are more fines - and so it continues.
Why don't the banks fight back?
I believe there are two reasons banks haven't yet effectively fought back. First they worry courts may set a precedent against them, opening the floodgates for millions to reclaim their charges. Plus there's the fact that to fight this fully in Court, banks would have to reveal their costs; this is commercially sensitive and the last thing the banks want to do - even if they have to pay out compensation.
Special Offer
PPI Policy Mis-Selling
http://www.llltd.org.uk
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Charge Back with the Bank, Bank Charge Unfair

Reclaim Bank Charges for FREE

by www.llltd.org.uk
Is your Bank Charging you Illegally? We can help you get them back @ no initial outlay cost to yourself!
Call Free 0800 0 811 558
www.llltd.org.uk
Banks have been charging their customers extortionate amounts whenever they go overdrawn, a cheque is bounced, a direct debit payment is returned, etc.
The Office of Fair Trading has ruled that it is unlawful for banks and credit card issuers to charge more than the cost incurred to them when their customers:
* Go over their overdraft limit
* A cheque is bounced
* A Direct Debit is returned
* And many other similar misdemeanours
Penalty charges are illegal. Banks can only impose charges, which are in proportion to their costs. Many believe there's no way a ï؟½30ish charge, when someone exceeds their overdraft limit or bounces a cheque, is proportionate.
Remember it could simply be 1p over the limit and you're charged, and even if it's more, you pay interest anyway. It's their costs we're looking at. Does it really cost ï؟½30 for a computer to write and send an automated letter?
If it isn't proportionate then it's illegal, and thus you've a right to your money back.
How can charges get so big, why do people reclaim ï؟½1000s?
These charges snowball. Imagine you go beyond the overdraft limit, you're then hit with a fine for that and a couple of fines for bounced cheques or Direct Debits. Now suddenly you're around ï؟½100 down, which you can't afford to repay - next month there are more fines - and so it continues.
Why don't the banks fight back?
I believe there are two reasons banks haven't yet effectively fought back. First they worry courts may set a precedent against them, opening the floodgates for millions to reclaim their charges. Plus there's the fact that to fight this fully in Court, banks would have to reveal their costs; this is commercially sensitive and the last thing the banks want to do - even if they have to pay out compensation.
Special Offer
PPI Policy Mis-Selling
http://www.llltd.org.uk
bank charges reclaim, how do you reclaim your bank charges, bank charges refund, refunded bank charges, refund money, illegal bank charges, financial, mis-sold policies, reclaim bank charge money
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How to Win at Bonus Slots

by Slots Finder
Slot machines are gaining popularity by the day. But, unlike the popular notion, bonus slot games are not all about luck; if you understand the game and play it well you can win. Here are a few tips to win:
To begin with, you must play with only a single coin on multiple lines because all multilane tables are straight multipliers. And, when you play with a single coin in line, you can by default activate their inbuilt secret buy-a-pay features somewhere or the other. To learn about more options of bonus slots and to share the unmatched slot experience, you should visit http://www.bonusonlineslots.com/.
However, if you want to play on progressive bonus slots, then you must play with more coins to enhance the chances of your winning otherwise you will give more chances to the other players to win the jackpot. It's important to note that the hit ratio and the pay back benefits are same on straight multipliers, irrespective of the number of coins. That is true for hybrid or bonus multiplier shots, too. To get a better idea of the game you should go through any of the bonus slots reviews. And, to be better poised to select the right slots game visit http://www.bonusonlineslots.com/reviews/.
You can play free bonus slots or free spin slots even if you do not have round-the-clock Internet address. You can download the game and get it installed on your computer and play it anywhere anytime. The good news is that in most instances, you do not even require flash or java appellate.
There are many ways to win in every spin. Free Spin slots are available in a variety of options. The classic offline slots usually have around three reels and a pay-line. Every slot game has distinctive features like symbols and multipliers. The free multi-line offline slots usually have very high 'hit rates'. This is so because they have only three reels and many pay lines.
The progressive free online slots are the best way you can win jackpots. However, you really need to practice before you bet any real money on the game. You can practice with a large selection of free slots game on http://www.bonusonlineslots.com/free-slots/ for free before playing real money games.
You must gain experience before you bet real money. Many offline slots offer additional features to help you enhance your gaming experience and you get bonus in the form of bonus spins or free sessions that allow you to win even more. The last word of caution is to not get too greedy.
Finally, you must know when to wrap up the game. It is best to stop playing when your booty is about twenty five percent more than what you started with. Always be vigilant about your greed; you can lose every penny you have in the thirst for more. Keep your dreams of becoming a millionaire overnight under check. It pays to play safe and win the slots.

Dreams!

by MarieLouiseFalk
Dreams make life come through. I have a dream said Martin Luther King. What do we dream about these days? Is it about a new house? What size should it be? Could it be more money?
There are so many dreams we have to share. It starts with a thought. Then we create dreams of the thoughts. We will attaché feelings to it. The more we dream the more we attract it in our heads. Finally we make it real. A thought, a dream and then it materialize it. Sound so easy. Focus on the feelings. The more feelings we attaché to it the more we want it.
It does not have to be a material thing. We have wishes like peace on earth, no poverty. Richness to the people. Maybe no more illness. I have a dream.... What do you dream of? What did your parents dream of? Are there the same dreams?
What if we did not have any dreams? Can we function without them? I do not think so. I love to dream. Lots of them. Day and night times. Remember in school. We looked out the window when a subject was too boring. Then the dream sat in..... In my school we had dream stealers. They were even in my family and in the surroundings off friends. Amazing they seems to be everywhere.
Who helps them to achieve what they want? Maybe, a scary thought they do not want anything else in life? It could be something in it. I know for me that the dreams keep my mind going. Especially during the night times. Wow, are they crazy then. Wild stuff. It is like I have several lives going on at the same time. Maybe that's true...
Well it's getting late here in Sweden. I'll better go to bed. See you in my dreams folks, see you around. Have fun and sleep well.

http://marielouisefalk.blogspot.com

Easy Cash From Internet-You Will Surely Make Money

by Goddie
I am going to show you a program that has opened to the public that is making a tremendous amount of people a lot cash on a monthly basis, within 4-16 weeks from a system I have Mastered! If you are not already familiar with the internet business Programs and or you're aware of it but just don't know how to really profit from it, then you have come to the right place. I will do everything Step by Step to help you make thousands of dollars every month on the internet If you are not already in on the Millions of Dollars being paid out to people every month then you seriously need to jump on the bandwagon and obtain this service immediately! It is simply amazing how easy this system is for me to operate. I really don't know of any other opportunity on the internet today that is making a large number of individuals thousands of dollars every month on a continuous basis that's this easy to come by. Once you take me up on my offer and let me put it to work for you, you may decide to walk into your current employer's office and tell them you QUIT!!! Take my word on it!

Quickly check this site: http://udegod.netsalaries.com

Google Adsense for Photography Websites ? Earn $$$ While You Sleep

by Sean David Baylis
Picasa Free Photo Software Photo Sharing A free software download from Google. Edit and share pictures on your PC.
The Pros and Cons of Google Adsense for Photography Websites ? Earn $$$ while you sleep.
Many photographers have a website these days. It is an important tool for promotion and marketing in a highly competitive field. Photography websites are very popular with many sites receiving several hundred visitors a day. Google Adsense is a program of Pay Per Click (PPC) whereby you place ads on your site and earn revenue every time someone clicks an Ad.Sean David Baylis is a professional photographer with a keen interest in Search Engine Optimization, PPC and anything Internet. http://www.sdbphoto.com is a labour of love in addition to being a very useful tool for bringing in new clients. Currently receiving 200-400 visitors a day the site earns between $1-$5 a day.
In order to participate in the program you must apply to https://www.google.com/adsense/.
Not all sites are accepted into the program, any sites with pornography, gambling or pharmaceuticals are not allowed. If your site is not in one of these categories you are sure to be accepted.
Once accepted it is a simple matter of adding a few lines of code to your site. Google Adsense?s web based user interface is easy to use and allows you to customize the look of your ad units. You simply log in to your account select from a number of ad formats such as banners, boxes and link units, in different sizes and that will display a different number of ads in each box. Once you have the code that Google Adsense generates you simply copy and paste the code into your pages and upload them to your server.
Google then reads the content of the pages usually from the Title Heading and displays ads on the same topic. You are able to specify channels for each of the different pages in your site which allow for detailed reporting of which pages receive the most clicks and revenue.
In additon to displaying Adsense on your site, Google also allows you to put a Search Bar on your site. When people enter a search term and click on one of the ads in the SERPs you get paid.
Not all Ads are created equal. Where you place the ads on the page and the color you use to display them will have a huge impact on the number of click you receive. Google has a very useful page that shows the ?hotspots? of a page, helping to determine the best spot for your ads on your page.
Now when it comes to Photography, many other photographers use Google Adwords (You pay to advertise on other peoples sites and in the Search Engine Results Page (SERPs)) and it is very possible that your site will end up having ad units displaying other photographers ads. Now why would you want to advertise your competition, even if clicking that link brings you some revenue.
A couple of issues with this. First, Google allows you to block up to 200 URL?s of your competitors. It is a good idea is to block all the competitors in your local area. A photographer advertising on the other side of the world is not much threat to you. Many people like surfing photography websites, just looking at pictures on random sites, and these people make up the majority of users looking at your site. You want to provide them with opportunities to look at other photographers work at the same time paying you for the referral.
Next it is a good idea to create a page explaining to your potential clients why you have ads on your site. It helps to explain that you are earning money from the traffic to your site and that you are happy to refer people to your competition. This shows that you have great confidence in your work and your ability to close sales, and everyone respects legitimate attempts to earn extra money. Of great interest to photographers many of whom have no retirement plan is the fact that this program allows them to ?Earn Money while they sleep?. It is a great boost to check your reports everyday to see how much you earned. As well Google?s reporting features give you some insight into what people are looking at on your site.
Google is a very high profile company and having their Ads and Search Box on your site lends it a certain amount of credibility.
There is a whole industry growing up around Google Adsense and Google Adwords, with many people selling products that will maximize your revenue from this program. As your photography websites primary purpose is to advertise your good photography services you will have to balance the desire to make money from your site with the need to attract new customers.
Finally, how much money will you earn from this program. Well let me tell you that unless you have Massive amounts of traffic you are not going to get that new Porsche anytime soon. However it may allow you to buy that ?L? series lens that you have had your eye on, the one you just can?t justify buying.
One final note, if your thinking of clicking your own ads or getting your friends to click on them ? DON?T. This is considered CLICK FRAUD and is looked on very seriously by Google. Google knows the natural pattern of ?clicks? and any unusual ?clicking? will get you booted out of the program and you will not get paid for any previous clicks. Google very smart?
"Picasa" Free Photo Software http://picasa.awardspace.com A free software download from Google. Edit and share pictures on your PC.
http://www.goarticles.com

Some Effective Tips & Tricks for Online Shopping

by Dev Watmore
Last five years Online shopping has gained momentum in America and elsewhere with more and more people buying and selling online because online shopping offers more discount and savings compared to traditional stores. Another reason is that you don't have to rush at any store and wait for the queue. You can easily browse for any items online that you wish to buy.
There are some tips by using these tips and tricks you can get good value of money and good shopping product.
Discount shopping and Online Coupons: Did you ever hear of an online coupon websites like www.dotdeals.com that provide discount and coupon codes to most of the Internet stores? Online retailers usually refer to Internet coupons as coupon codes, promotion codes, discount codes, shopping codes, Voucher codes. Internet coupons typically provide for reduced or no cost shipping, a specific dollar or percentage discount, or some other special offer to encourage consumers to purchase specific products or to purchase from specific retailers. You can get every type of coupon like dell coupon, pizza coupon , restaurant coupon , apple ipod coupon, amazon coupon.
ONLINE STORES AND ONLINE COUPONS : Online stores offer discounts in the form of online Coupons .These are used at online stores for getting discounts while paying on a shopping cart. The best way to get hold of a coupon for any given product is to search for online directories that contain links along with coupon codes to a large number of shopping sites.
Advantages of Free online Coupons: Online discount coupons have a number of advantages over coupons available in newspapers, etc. First of all, unlike newspapers or magazines, where you can use a coupon only for one time, online coupons can be downloaded and used whenever you need. Real savings are incurred only when you can continually use discount coupons for every day use items, and only online discount coupons offer these facilities.
Get free product: There are many sites where you can get free product like free Ipod , free TV, free game , free gift card , Digital Cameras, Camcorders, Televisions, Accessories, Computers, Laptops and a large number of free product

looking 4 fun

Winning the National lottery has to be every ones dream, who says money can't buy happiness? I am afraid I beg to differ. The odds are against the few who states otherwise. Taking responsibility of new found status of being a millionaire is enough to put a smile on the face of any rags to riches punter.
Is there any proven Pick 3 method that pays out mega bucks? What are the odds in striking it lucky with birthday and anniversary dates? How much truth is in astrology where luck is on your side if you purchase a lottery ticket from a dark haired Venezuelan?
Gambling is a numbers game. In school we were taught to jumble our digits around then add them together, and should the numbers tally then hey presto you had the correct answer. Unfortunately should the numbers not total up it was time to solve the problem by looking for a solution.
In the national lottery a Pick 3 formula is all you need to rake it in, how wrong you are? To pick 3 lotto numbers expect a pocket full of pennies
Winning high stakes like the jackpot, you need to do your homework. Let us replace the word solution and turn it into System. With a carefully planned and put together lottery formula you better the odds of your dream coming true.
Think about it? These games of chance are carefully structured by very intelligent people that have studied and researched on how to take your money by using a system/method. Why do you think they were christened the fat cats, believe me it was not by leaving it to chance.
Remember a fool and his money is soon parted.
A lottery formula is produced by teams of people who have put a lot of time behind the nuts and bolts of any gambling game before it is introduced to the public. Think about it, if a system works for these boys then it can work for you.
The internet is a major gambling hall for punters where they play poker bingo cards whatever; gamblers even get to play lotto online.
The web is not just about gambling and games, make sure to use the internet with expertise and gather all the information you need to prevent yourself from losing your home. Help is out there if you are hooked on having a flutter on the horses or placing chips onto a roulette table.
It is a mug's a game as the saying goes, we the mugs are being mugged without the physical violence, these people are lining their pockets with your hard earned cash.
In Las Vegas casinos are ten a penny. Horse racing attracts people like the royal family and don't know what to do with my money oil sheiks. For big money dividends it has to be the lottery. It is known that people travel hundreds of miles to different states to buy a lucky rollover ticket in hope to get winning lotto numbers
Are you serious about taking money from the fat cats? Then get it right from the beginning. If you have chosen the right lottery formula then you are on the run in towards the winning post.
What are the odds on luck beating any system? Do your maths and you are onto a winner
About The Author:
Easy to follow system that gives results. Punters are already benefiting and reaping the rewards with the help of http://www.lottery-syndicate.ws/

The Not So Free Ipod

by Martin Bawden
The Not So Free Ipod
We have all seen the outrageous banners, congratulations you are 999,999 th visitor you have won a free ipod or should paris Hilton still be in jail, answer for a free ipod.
There are two natural thoughts, that you come up with when you see these ads:
1. This is a scam 2. I'll have to sign up for a bunch of products that I don't want or need.
Those are mostly true, for the ads that you see. Freeipods.com, grabbitrabbit.com, and others who are the pioneers of the freebie industry, are not exactly user-friendly, but they are not a scam.
First, you will receive an enormous amount of spam, regarding free gifts to your sign up email.
Second, you will have to complete a bunch of advertiser's offers like blockbuster, Pitney Bowes, Vonage, or get a hosting package. This can add up to be pretty expensive.
Thirdly, they will try to disqualify you from receiving your free gift, if you do anything wrong. Like using a wrong mailing address when you signed up, or using a different email or mailing address for the offer that you signed up for.
They may also require you to get referrals. But if you follow all the instructions to the T you will receive your 'free' ipod. As you can see, it is not really a free ipod.
But, recently there are many legitimate 'freebie sites' that are more user-friendly.
These sites work on a little different model, but also they are not exactly free. Some like transcendent innovations, zeropricetags, and free4me are completely legitimate. These sites require you to complete one sponsored offer. These offers include blockbuster.com, video professor, and stamps.com. These are very cheap offers, but again not exactly free. After you have completed the offer, you will need to get referrals. Most people try to convince their friends, to do it and receive their free gift. These sites have shipped millions of dollars of gifts each year.
In fact people pay for referrals, in other words User A pays User B to sign up under User A's link and complete an offer. User A then gets a referral, while User B makes some cash. Many people have started to make money solely by completing referrals for cash.
The main site that allows users to do this is http://offers4dough.com, many users can get paid up to $25 or more for completing one referral.
Everyone makes money in this process:1. The Site gets paid from the advertiser for sending them a potential lead.2. User A makes money because he is getting paid about $40/referral towards an Ipod.3. User B makes money because he's getting paid $25 for signing up for a $3 trial4. The Advertiser makes money because he is getting a potential lead.
It may not be a free ipod, but it is by far the cheapest Ipod you can get

Online Survey Companies - NOT Created Equal

by Margaret Fredrick
Make Money Fast...Paid Surveys...Cash for Surveys...Paid to Shop...Work From Home...Home Based Business Opportunity...Earn Money Online...Paid for your Opinion... We've all seen them. But the truth is, all survey companies are NOT created equal! MANY of them are nothing more than an excuse to try and sell you something. SOME of those so-called "free" companies will give you the opportunity to earn $1-$2 for your opinion, but only send you a handful of surveys each month and have such high payout levels, that it can take you 2-3 months or longer to reach them...so you don't make much money in any given year with them. So the secret is:
1. Register with SEVERAL different PAYING companies. Of course, THIS means that you will have to go to the bother and aggravation to keep track of them all and how much you have earned with each of them so that you can get paid if you reach the minimum payout level for each one. In my first month, however, I registered with about 150 different companies, and I didn't reach the minimum payout level with ANY of them. So, basically, I worked for free 8-10 hours per day and seven days a week!
2. Register with ONLY paying sites if you want to earn any money. Oh, the other sites will send you surveys, why not; they know that you're probably working for free! I tried them out, but they DON'T pay you with cash for your time...only with entries or points for prizes that you MIGHT win in a drawing with all of their other thousands of members from across the country. Odds are, you won't win anything.
3. MANY so-called "survey companies" are little more than "fronts" for marketing companies trying to sell you something and you will be asked to take "surveys" that consist of page after page of ads for products and services. It is not uncommon that after submitting your email address and other contact information, you are asked to go through these many pages of "optional" offers only to reach the last page where you MUST choose one of the offers to "complete" the "survey" successfully and "qualify" for your "reward". Most of the time you will choose not to do this, but it is too late...they already have your contact information and soon you will be receiving hundreds of "offers" in your email and, assuming you actually entered your real phone number with these sites, dozens of phone calls from telemarketers.
4. Be careful about not entering your real telephone number or other proper contact information with "paying" sites because MOST require that full and proper contact information be used or you CAN be disqualified from taking further surveys and might even "forfeit" what you have earned in your account.
5. ALWAYS read the "terms and conditions" section BEFORE you register with a company. You MAY find that they "require" you to complete a certain number of surveys and/or "Paid Emails" before you can get paid and MOST of them have a payout "minimum" that you must reach before you can request payment (which can take up to 30-45 days to "process" and send). MOST of these "minimums" are in the $25-$30 range, but I have seen them as high as $50. And SOME companies will only pay you the amount OVER the minimum that you have earned.
As is true with most things in life, you get what you pay for! Don't get me wrong; you CAN make some SERIOUS money working at home completing surveys for companies, just not most of them that you typically find in your inbox! If you want to make some money completing surveys, participating in product Focus Groups, Mystery Shopping, etc., I recommend that you go to a site like:
http://peggi68.paidetc.hop.clickbank.net/

FREE DOWNLOADING OF GAMES & MUSIC

by Rachel King
Are they really free? What are the risks? Latest games and software. Full game downloads, buy newest games, read latest reviews, free downloadable versions.
High quality and safe FREE game downloads
Statements like this ring a bell? I'm sure that if you're looking for free downloading software then you have already done a search on Google or Yahoo! and wondering which site is the best?
If you walk away from reading this article with only one tip - don't waste your time and get frustrated with having to l analyse each website to find the one that offers you the most downloads and latest movies and music for Free.
I have done the hard work for you.
If you look hard enough there will always be someone offering a product or service on the internet free - BUT - have you considered the risks associated with these sites?
Are they really Free?
Not all downloading sites are free. In fact most of them aren't. At first glance, they may appear free, but when you take a further look the only aspect that really is "free" is the sign-up process. What you'll find is that as soon as you log-in your member area each download costs you. So in fact the membership is free, but not the products.
What is the risk?
There are many dangers posed by viruses and spyware when you download a file from a "Free" membership based program.
A lot of the game downloaded files are infected with spyware and viruses and deliberately placed on websites by scammers and hackers in an attempt to install keyloggers or even us it for spamming purposes.
Danger of Spyware
Spyware in essence is software that logs information about a user's online habits and reports back to the software's creators. The effects of these programs range from unwanted pop-up ads and browser hijacking to more dangerous security breaches, which include the theft of personal information, keystroke logging, changing dialup ISP numbers to expensive toll numbers, and installing backdoors on a system that leave it open for hackers.
So what are my Options if I want to Download Games and Music at a Low Cost?
Your best option is to spend a small amount of money upfront and use a reputable membership downloading site. This will provide you with to advantages; 1. It will protect your computer and personal information 2. Will save you a lot of money in the long run
Yes you pay to become a member - but for a once of fee of around $20 - $40 you will get access to unlimited downloads for life. The cost of say 1 full price game in a shop, without having to pay for each download and worry about security and virus issues.
These sites are free of adware and spyware, are legal and they even provide technical support if you have problems.
Best programs on the Market
If you're still wondering how to now pick a reputable membership site then please checkout my independent reviews website @ http://kinrac.bezoogle.com/pp/games/ - Music & Games Download Reviews
For more information on how to Maximise your downloading please have a look at my other article @ http://ezinearticles.com/?expert=Rachel_King - TIPS TO MAXIMISING YOUR ONLINE GAME AND MUSIC DOWNLOADING