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Archive for October, 2008

by D. R. Barton, Jr.

It would be hard to imagine a more chaotic and interesting time in the financial markets.

We’re seeing stock market characteristics (daily ranges, reversal patterns, etc.) that are literally unprecedented. The volatility (as measured by Average True Range or ATR) of almost every major trading instrument is at all time highs. It doesn’t matter if you’re looking at stock indexes, bonds, oil, gold, currencies, etc. It seems that the only broad groups of instruments not trading at their highest volatilities ever are the smaller commodities that don’t have big hedge fund and institutional interest- things like coffee and orange juice.

This volatility expansion is significant for several reasons:

It is broad-reaching. As mentioned above, it is hitting practically every traded instrument.

It is persistent. The markets are no strangers to volatility spikes. We see them come and go when particularly juicy reasons for fear or greed enter the markets. But this volatility explosion has not subsided. Depending on how you measure “persistence”; the volatility “spike” has lasted four to six weeks, not just for a few days.

It is huge. Back in April of 2000, we made the previous volatility highs when the Internet bubble started to collapse. Then volatility (as measured by 14 day ATR) was 3.0% of price. Last Wednesday, this same ratio showed ATR at an astonishing 8.3% of price!!

As if to punctuate the truly wild nature of the recent market volatility-here is an interesting market tidbit: today is a “Fed Day” (FOMC meeting announcement) and after dropping both key rates by 50 basis points, it looks like the market will have a day within only 2/3rds of its recent range!

The market is giving us some really important information through this language of high volatility. The message is this: the uncertainty of where the markets are heading next has never been higher. With the slightest whiff of negative news, the market free falls. When even a shimmer of hope comes along (like the Fed strongly hinting that the rate cut was real yesterday, sending the markets up 10%), the markets jump through the roof.

It’s like a cat on a hot tin roof… after drinking a can of Red Bull. Every move is over exaggerated.

One of the questions that I get most often is ” when will the market return to some sense of normalcy?” It’s hard to predict this, of course. But one key indicator will be when the volatility settles way down from its current unprecedented highs. It’s okay if the market is directional; I don’t think we’ll see a traditional basing / consolidation period from here. But what IS needed is a sense that the markets don’t jump every time someone whispers, “Boo”. And a volatility contraction will be a good (and maybe the best) indication that this is happening.

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30.10.2008

by Darron Martin

Forex market trading, FX and Foreign Exchange are all exactly the same thing. They are not like a normal business with products, services or investments. Forex market trading is the is the buying and selling of global currencies. The foreign exchange market was established in the early 1970’s and has become one of the leading trading tools around the world.

The quantity of forex market trading is astounding. Every single day billions of dollars are bought and sold on the in the forex market. Forex market trading is now so huge it trades in excess of over three trillion dollars daily. This is significantly more then any other investment tool available globally.

The co-operation of governments, investment institutions and banks is essential to forex market trading. Without the agreement of all the countries the forex market would cease to exist as we know it.

One of the major benefits of forex market trading is its liquidity. Liquidity is the ability of the product to be turned into cash quickly or the trade is actually cash. The forex market enables people to change one currency to another fast and is available to almost any investor from anywhere in the world.

One of the biggest differences between stock market trading and forex market trading is that the forex is a global market. The stock market involves businesses and products within a particular country only. The forex market has taken things to a new level by including all countries around the world.

Due to time zone differences, forex market trading is available 24 hours per day. This is very different to the stock market which has set business times and days. Because there are so many nations involved in the forex market there is always one market opening and closing. These global time zone differences enables any investor to buy and sell currencies.

If making money is something that interests you then forex market trading could be the financial tool for you. Can you think of a better way to make cash then to trade cash? There are hundreds of forex market trading platforms and techniques available online but it is essential they meet your needs.

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Baby Phat Rush Card - Review

Author: Dan Moskel
30.10.2008

by Dan Moskel

The baby phat rush card is a prepaid credit card. It was created by Russell Simmons he co founded the popular Def Jam record label.

The baby phat prepaid card works this way; you make a deposit on your card, then you can use your card to make purchases, then the funds to pay for those purchases are deducted from your card. The card offers 100% guaranteed approval.

There is no credit check or chex systems verification. You can have a card issued to you in black or in pink.

With this card you have free direct deposit. To enroll in this you only have to fill out a form and turn that into your employer or payroll department.

Then you checks will be deposited into your rush card. You will still get a breakdown on your hours and how much the deposit was.

With this card you receive free online account access. You can also access your cash at over 800,000 ATM’s.

You can use your card to make purchases online or over the phone. There is also another benefit; you can write physical paper checks from your rush card account.

To use this feature you visit the website and input the person or business that you want to write a check to. This includes name, amount of payment and address.

Then press send a real physical check will be sent to the business or person. This can save you money by not having to buy money orders again.

With this service and direct deposit you will also save money by not having to pay for check cashing fees.

However, we do not recommend the baby phat rush card. This is because they have many fees that other prepaid cards do not have.

An example of these fees is the convenience fee the rush card has. With this fee you are charged every time you use your card.

The charge for this fee is $1.00. There is a maximum charge of $10.00 a month however you will be charged this $1.00 fee every time during that month.

Only at the end of a full calendar month will the extra convenience fees be refunded to you.

That can end up being a full 2 months before you are refunded. This is unbelievable especially because many of us use are card more than ten times in a month.

Furthermore to be charged for every purchase you make seems outrageous. Then to have to wait for a full calendar month to expire before you are issued your refund is unbelievable.

To enroll in bill pay the rush card will charge you $2.00 and then another $1.00 for every check you write from your account. There are other prepaid cards where this service is free.

The rush card says there are no hidden fees with their card. Yet you get charged every time you use your card. The rush card carries the most fees of any prepaid card we have reviewed.

In sum, stay away from the rush card. There are many other prepaid credit cards available that have lower fees and better benefits.

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by Don Pedro

You are probably afraid to borrow to buy that parcel of Real Estate that you’ve got your eyes on. Well, here’s the good news: you are not alone here. A lot of folks are equally scared because they are not sure how they’ll ever be able to make the money to pay back. What you need is to see a credit counselor.

Enough Americans today are skeptical of people who will advise them one way or another, and then they have to pay. What I can say now is that any money spent on credit counseling is money well spent. The knowledge you acquire is something that will stay with you the whole of your life.

When you approach a creditor, do it with your DMP. That’s your debt management plan. Now, in your own best interest, don’t try to draw that up for yourself, make sure it is set up by a credit counselor or a whole group of them. So what, it costs you a few hundred bucks? But you could get millions worth of property in return.

When you obtain credit from anyone, you want fees and interest rates that pay you well. You however need to give the creditor something in return. That something needs to be a juicy debt management plan that they cannot fault. Now that is where you need credit counseling.

Credit counseling rearms you with knowledge and information that teaches you how to deal in money, real and virtual. It also educates you about people and corporations, especially banks, so that you know who to go for and how. It is the beginning of your financial emancipation.

You might have to borrow money say, ten times in your life. Say, you are even borrowing big, and you consider that a whole lot. Well, a credit counselor does this for a living. That’s why you need their advice before you borrow. It’s only sensible.

The economic landscape has changed dramatically from what it used to be to what it is today. Many Americans realize now that they cannot live in penury and subservience their whole lives. Now they seek credit counseling to help them in making some of those life changing decisions that mean everything.

In the United States, everyone needs credit, even the rich. This means that credit counselors are not likely to run out of work any time soon. There are perhaps one thousand credit counseling agencies in and around the country.

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by Craig Lerner

Keyword density is an indicator of the number of times the selected keyword appears in the web page. But mind you, keywords shouldn’t be over used, but should be just sufficient enough to appear at important places.

If you repeat your keywords with every other word on every line, then your site will probably be rejected as an artificial site or spam site.

Keyword density is always expressed as a percentage of the total word content on a given web page.

Suppose you have 100 words on your webpage (not including HMTL code used for writing the web page), and you use a certain keyword for five times in the content. The keyword density on that page is got by simply dividing the total number of keywords, by the total number of words that appear on your web page. So here it is 5 divided by 100 = .05. Because keyword density is a percentage of the total word count on the page, multiply the above by 100, that is 0.05 x 100 = 5%

The accepted standard for a keyword density is between 3% and 5%, to get recognized by the search engines and you should never exceed it.

Remember, that this rule applies to every page on your site. It also applies to not just to one keyword but also a set of keywords that relates to a different product or service. The keyword density should always be between 3% and 5%.

Simple steps to check the density:

Copy and paste the content from an individual web page into a word-processing software program like Word or Word Perfect.

Go to the ‘Edit’ menu and click ‘Select All’. Now go to the ‘Tools’ menu and select ‘Word Count’. Write down the total number of words in the page.

Now select the ‘Find’ function on the ‘Edit’ menu. Go to the ‘Replace’ tab and type in the keyword you want to find. ‘Replace’ that word with the same word, so you don’t change the text.

When you complete the replace function, the system will provide a count of the words you replaced. That gives the number of times you have used the keyword in that page.

Using the total word count for the page and the total number of keywords you can now calculate the keyword density.

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by Jeff Marshall

With the aid of the Internet, you can almost have everything right at your fingertips. With just a few clicks you get access to thousands and even millions of pieces of information and data on virtually any field of interest. As years pass by, the Internet continuous to effect radical changes in many facets of human endeavors, including commerce. Experts say that the information space, commonly known as the “world wide web,” grows by over a million pages everyday as more and more people utilize the Internet for information, education, entertainment, business and other personal reasons. It doesn’t take a business-oriented individual to realize that this phenomenon can bring about sky-high financial gains. The Internets fast-growing popularity in the recent years is surely an opportunity for business that any entrepreneur would not want to miss.

You might be thinking only businessmen can make much money out of the Internet, don’t you? Think again. You too can earn big bucks through the Internet even if you don’t have products to sell and high-profile and established company. How? That is through affiliate marketing. You might have come across these words over the net while surfing. Affiliate marketing is a revenue sharing between a merchant and an affiliate who gets paid for referring or promoting the merchants’ products and services. It is one of the burgeoning industries nowadays because it is proven to be cost-efficient and quantifiable means of attaining great profit both for the merchant and the affiliate and other players in the affiliate program, such as the affiliate network or affiliate solution provider.

Affiliate marketing works effectively for the merchant and the affiliate. To the first, he gains opportunities to advertise his products to a larger market, which increases his chances to earn. The more affiliate websites or hard-working affiliates he gets, the more sales he can expect. By getting affiliates to market his products and services, he is saving himself time, effort and money in looking for possible markets and customers. When a client clicks on the link in the affiliate website, purchases the product, recommends it to others who look for the same item or buys it again, the merchant multiplies his chances of earning. On the other hand, the affiliate marketer benefits from each customer who clicks on the link in his website and who actually purchases the product or avails of the service provided by the merchant. In most cases, the affiliate gets commission per sale, which can be fixed percentage or fixed amount.

If you want to be an affiliate marketer and make fortunes out of the Internet, you may follow the following three most basic and easiest ways to start an effective affiliate marketing program. First is to identify a particular thing you are interested in or passionate about so you won’t be bored and forced to develop your affiliate web site later on. Focusing on a specific area you know very well will help you bring out your best without much risks and effort. You can add a personal touch to your site and give your visitors who are possible buyers an impression that you are an expert in your field. In this way, you gain their trust and eventually encourage them to buy the products you endorse. Next is to look for good paying merchants and products or services related to your interest and create now a website. In choosing the products, you must also consider its conversion rate-the number of visitors-turned-buyers. There are various affiliate networks and affiliate solution providers that can give you info on the most profitable products and best paying merchants. The key here is, be wise enough to choose the right one.

Now that you have decided where to concentrate, have chosen the products to endorse and the merchant you are supporting and have created your own web site with top level domain name and reliable hosting, you are ready to promote. This is a crucial task, since it is through this that you would be able to increase traffic to the business website, sales and of course, profit. In affiliate marketing, it is possible to earn large sums of money in a short span of time especially when you’re endorsing high-priced items. Expensive products are hard to sell; however, with the right marketing strategies and sales techniques, you can draw visitors to the merchant’s site and make them buy the products. How to promote the products, though, would need a separate discussion. Continue to educate yourself by reading books or other articles online about the best advertising techniques.

Keep in mind, there is no facile and quick path towards success. Affiliate marketing may seem very tempting due to numerous encouraging testimonies of merchants and affiliate marketers alike who have benefited from it, but it entails great deal of hard work and persistence. Likewise, you need to be creative, flexible and willing to embrace new ideas to market your partners’ products until you find the perfect strategy that works for a specific market that you are targeting. Neither signing up for an affiliate program nor copying ads and leading others towards the merchants’ site doesn’t guarantee success yet. Many affiliate marketers fail to understand this, so when they don’t make sales, they quit, look for other programs and repeat the same mistake. In the end, they conclude that affiliate marketing is just one of those scams in the Internet. Even as you sleep, you can work your way to great financial success if you employ the right strategies in affiliate marketing. Be creative, be smart and surely, you’ll achieve your goals.

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Part 2: Your Blog Content

Author: Barry Smart
28.10.2008

by Barry Smart

Today, we’re going to discuss the type of content that is suitable for your blog in order to make it profitable. First off, I want you to understand that there is no fixed scope that your blog should have, which means you can write about whatever you’re interested in.

However, the difference between a profitable blog and a non-profitable blog is the way the blog is written. Just imagine, would you prefer to read your university professor’s lecture notes or the latest novel by your favorite author?

You may prefer to read the novel because it appeals more to your interest, or because it is not as mind-numbing as the lecture notes by your professor. However, the most important point is people like to read “light” stuff most of the time. You see, when people log on to your blog, they are not only looking for information - they are also looking for information they can obtain easily, and better still in a relaxed manner.

So, to attract more visitors as well as to keep your current visitors coming back for more, it is very important to add a human touch to your blog posts. This can be done by simply imagining you’re talking about a certain topic with your personal friend. An extra bonus for your readers would be a great sense of humour, so try to add funny comments in your articles where they are suitable.

Another important key point is to avoid addressing your reader as a plural unit. What I really mean is you should not write as if you’re preparing a speech. Instead, you should write as if you’re having a conversation to a single person because this will make your visitor think of you more as a personal friend rather than a person of higher authority.

Besides that, it is also very useful to establish your own personality through your words. Human beings are very curious creatures, so naturally your visitors would want to know as much about you as the information you’re offering them.

Having a distinctive personality in your blog would make a world’s difference between your blog about gadgets and all the other blogs about gadgets out there. This is a lot like creating your own brand name, where people immediately remember your blog’s name when they need to find out information about gadgets, just like how people immediately think of McDonald’s for fast food or Nike for sportswear.

So, the lesson for today is to simply write as an equal friend to your visitors, write to them as if you’re talking to a single person and establish your own personality on your blog.

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28.10.2008

by Craig Lerner

It is recommended to use keywords in page titles itself. This title tag is different from a Meta tag, but it’s worth considering it in relation to them. Whatever text one places in the title tag (between the portions) will appear in the title bar of browsers when they view the web page. Some browsers also append whatever you put in the title tag by adding their own name, as for example Microsoft’s Internet Explorer or OPERA.

The actual text you use in the title tag is one of the most important factors in how a search engine may decide to rank your web page. In addition, all major web crawlers will use the text of your title tag as the text they use for the title of your page in your listings.

If you have designed your website as a series of websites or linked pages and not just a single Home Page, you must bear in mind that each page of your website must be search engine optimized. The title of each page i.e. the keywords you use on that page and the phrases you use in the content will draw traffic to your site.

The unique combination of these words and phrases and content will draw customers using different search engine terms and techniques, so be sure you capture all the keywords and phrases you need for each product, service or information page.

The most common mistake made by small business owners when they first design their website is to place their business name or firm name in every title of every page. Actually most of your prospective customers do not bother to know the name of your firm until after they have looked at your site and decided it is worth book marking.

So, while you want your business name in the title of the home page, it is probably a waste of valuable keywords and space to put it in the title line of every page on your site. Why not consider putting keywords in the title so that your page will display closer to the top of the search engine listing.

Dedicating first three positions for keywords in title avoiding the stop words like ‘and’, ‘at’ and the like is crucial in search engine optimization.

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27.10.2008

by Jeff Marshall

Affiliate Marketing is by far, one of the easiest ways to make money online. It is a revenue sharing business relationship between the affiliate who agrees to promote the products or services, and the merchant who offers them.

The affiliate advertises the merchant’s products and services and gets a commission for every successful referral. Every time a customer is referred to the merchant’s site, through the affiliate’s efforts, and makes a purchase, the affiliate gets a share of the profit. No payment is due to the affiliate until successful results are realized. Compensation is based on either number of visits (Pay-per-click), registrant (Pay-per-lead), or commission for each sale (Pay-per-sale).

Affiliate Marketers can earn a few bucks to thousands of dollars with affiliate programs. The opportunity to earn in affiliate marketing can only be limited by the affiliate’s determination, creativity and strategy. It is a brilliant way to earn online, and you do not have to produce your own product or service to make a buck. By advertising your merchant’s products passionately, you get more in return. Profits in affiliate marketing usually start small but can get larger as the campaign starts to build up steam.

There are many ways that an affiliate marketer can do to maximize their profits. If you ask any affiliate marketer how many affiliate checks they would want to receive, they will most likely want to get as many as possible. Some affiliate checks are small, amounting to nothing more than $25. While others are large and can easily reach the thousands and even more. Over time, these affiliate checks may build up to a really impressive amount. However, making a fortune in affiliate marketing is not instant. You should put in enough work and effort as well. You have to use your imagination to find more ways to attract more web traffic that can convert to sales for the merchant and profit for you as well.

How many affiliate checks do you want to receive? Most affiliate marketers will enthusiastically reply that they want to receive as many affiliate checks as possible. However, is it as easy as it sounds? Does joining many affiliate marketers guarantee more affiliate checks that really amount to something? The answer is No. Most affiliate marketers assume that joining multiple affiliate programs is a wise option. Because, it is very easy to join affiliate programs and there is really nothing to lose, affiliate marketers are tempted to join as many programs they can get their hands on. Thus, they fail to give their affiliate programs enough attention and work that they ought to receive. The maximum potential of the affiliate programs are not realized and the resulting income from these programs will almost certainly be disappointing.

The best way to achieve multiple streams of income is to concentrate on one affiliate program first. Choose a product or service that you can promote passionately. Pick a product in which you have complete trust. The best products and services to promote are those that you use personally. Your prospects will be able to sense your sincerity whenever you promote a product that you have experienced. This will greatly enhance your credibility as well as your product’s marketability and will really encourage your prospect to purchase or avail of the product or service.

As soon as your first affiliate program is making a reasonable profit then you can proceed to joining another affiliate program and repeat the process. “Too much, too soon” is a common pitfall in affiliate marketing. Joining too many affiliate programs simultaneously in the hopes of having multiple streams of income simply does not work.

Focus first on one affiliate program and work on it so that it makes a good profit. Then, go find another promising program and give it your best effort. The question should not be how many affiliate checks you want to receive, but how many “high-paying” affiliate checks can you receive. The answer lies in your determination to succeed and determination to maximize your earning potential. With the right tools, the right actions, and perseverance you can definitely make a good profit out of affiliate marketing.

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A Blog Is….

Author: Max Foggleman
26.10.2008

by Don Bethune

The World Wide Web, ever increasing in its popularity, has become a novel way for people to share information with each other. Although people continue to make use of the old standbys of email, instant messenger and chat, they have now begun to communicate in the form of an online journal that allows others to participate and comment on their writing. These journals, or Blogs, are becoming all the rage, some being written by stars and others by corporations.

A blog can be a personal journal that is written online and shared with all and sundry or it can be a forum for your political statements. A blog can allow you to track media events or connect with customers on a more personal level. Family members now have blogs simply as a mechanism to stay involved and in contact with their far flung family members.

What is a blogas purpose? A blog offers a way for the author to share their unabridged opinion on any topic, without having to worry about being censored. Most blogs also offer a way for readers to respond to topics with their own thoughts and comments. Some blogs are authored specifically to spark a debate or engage the readers in a discussion.

Some bloggers post pictures they have taken online, some even post videos of their activities. Others may share items that other authors allow to be shared online. Bloggers frequently post links to other favorite websites, such as those belonging to friends, or even sites owned by those who comment.

Blogs can be insanely popular, and garner a lot of website traffic. Some of the most popular web sites on the internet are strictly personal blogs of individuals who we would otherwise have never heard of. People can gain celebrity status just from creating a popular blog.

Blogs can generate income for their owner. The main way of making money using a blog is advertising. Many blogs allow inexpensive advertising. There are advertising management programs that allow the applying blogger to post content-targeted ads, generating money for each view.

Bloggers have a number of ways that they can increase traffic to their web site; some hold competitions or offer exclusive visitor content. Some spend money to obtain website traffic in order to increase their viewership and thus, perhaps, increasing their ad revenue.

So, when you again wonder, can anyone tell me what a blog is? You now are aware than itas more than just a haphazard compilation of a personas thoughts; itas instructional, funny, or simply gives you something to think about. A blog can generate additional income for itas author, and, if it becomes very well like, it can provide its author with a full-time job.

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