Financing Strategies ...!!
Here is a collection of finance articles that covers a wide variety of topics for your different needs. Begin with the articles about developing a budget on a debt management plan and the appropriate ways to manage debts.

Optimzing Google Adsense

6:35 PM
Web publishers are discovering that Google Adsense is a great way to generate revenue from their content rich sites. Google Adsense provides a simple sign up process and a simple system that generates cut-and-paste code that will display ads on the site that are matched to the site’s content. With 15 minutes of effort and a brief wait for approval, a webmaster will be set to receive about half of his potential revenue stream from Adsense. The other half of the revenue takes a little thinking and work.

AD LAYOUT The shape of the ad will have a great affect on clickthrough rate. If you choose to use a format that is very familiar and easily ignored, like a traditional banner ad shape (468 by 60 pixels), your performance will be poor. If you choose a newer format like a tower (120 wide by 600 tall) you will see better performance. financing-strategies.blogspot.com utilizes this format. You will also see higher clickthrough rates as the overall size of the ad grows. If your site allows it, go with the biggest and newest shapes that Adsense offers.

COLOR The color of your Adsense ads can affect the way users respond. You can be subtle and blend into the rest of the page and may draw people to links as they appear to offer more information rather than standing out screaming come buy something. The subtle approach can be accomplished by selecting the standard Google Adsense color scheme closest to your site’s scheme or you can match exactly using the custom pallet.

You may want to attract attention to your Adsense ads. You can do this by selecting or creating color schemes that stand out. You will also want to use the mulitple color scheme feature by selecting several color schemes by holding down your control (Ctrl) key and clicking up to four choices. The varying color schemes may get more notice than a constant color scheme.

POSITION The position of your Google Adsense ad can have affect on how well the ad performs. Avoid blindspots and consider how a visitor exits a page. The most likely blindspot to avoid is the traditional spot for banner ads. Visitors will likely ignore a banner shaped ad at the top or bottom of your page. They will likely ignore a tower placed at the top of the right or left column if the content extends beyond the length of the ad. In the case of content rich pages, it would be wise to test placing non-banner shaped ads at the end of the page where the reader is done with a page and ready to exit. www.jakartaweb.net uses this technique effectively at the end of articles, offering the reader more articles and relavent ads. It’s always a good idea to give your visitors a path through your site that is relavent and valuable to both you and them.

CHANNELS Google recently added channels to Adsense. A channel is just an extra bit of code that lets you track revenue from a channel such as a site, a page, or some other characteristic you may want to track.

Prior to the introduction of channels, a webmaster would place Adsense code on various sites and pages and would only see an aggregate result of clickthrough and revenues. With channels, you can set a channel for various sites or various pages or various ad types. By your using your channels you can determine what ads are working in which location. On rekosrowako.blogspot.com an Adsense banner ad performed very well in some pages and a large Amazon ad performed poorly so a large Adsense replaced the Amazon ad.

USE THE SCIENTIFIC METHOD The Scientific Method can be summarized as Plan, Do, Check, Act. By planning out your attack by designing and implementing your ads, you accomplish the Plan Do portion of the cycle. By using Adsense Channels, you can check to see how your plan worked. You will no doubt see ways to Act or adjust your approach after checking your results. You may end up modifying your site or modifying your strategies on attracting traffic. No matter what the case, you will need to do a little work but the results are worth it.
Read On 0 comments

Money Management For Recession Effects

11:31 PM

Most of us, in one way or the other, are trying to tackle the recession effects that have affected our personal spending and saving. Parents are struggling to pay university fees and young graduates are struggling to get jobs. Economic slowdown can be a good time to understand money management ideas which can help overcome everyday crisis and also save for the rainy day.

The best way to make sure how much is left for our own use is to ‘pay the bills on time’. If there’s been a considerable saving that can be made into an investment do it right away. Small amounts saved can be used for expenses like renting a house or getting a much-needed appliance for home.

Another way to overcome sudden expenses is to make your monthly shopping a fixed attribute. Revaluate your home expenses to understand where exactly the money is moving out. High mobile bills and electricity bills can definitely be reduced by making personal lifestyle changes. Use free budget software or online money management tools to track every aspect of your spending and keep tab on the money that is remaining at the end of every month.

Credit card expenses need special mention as they are easy to use. Make sure you don’t possess more than one, unless absolutely necessary, and make it double sure that you pay the bills on time. Utilize the credit period provided for purchase so that there’s enough time to pay back.

Make amendments as a family to understand how each of you can contribute towards managing the current financial situation. If there are more than two earning persons in the household, make all expenses from one account and save the other one completely. Teach your family the art of saving and look for alternate part-time employment, whose income can go as a small savings for the family.

When financial planning is done meticulously there will be no need to panic during sudden job losses. It helps you sustain till the next job is found and that itself is a great life saver for many.

Read On 0 comments

Secured Credit Cards For Students

11:25 PM

Many times parents want their child to have a credit card when they go off to college but they are not sure what the best type to select is. The "Secured Credit Card" is one of the best cards that you can get for your student when they are going off to college because you have better control over the amount of money that can be spent. You cannot increase the spending amount unless you deposit more money into the students account.

A secured credit card requires that you open up a savings account with the lender who in turn holds that account as a security deposit against the credit card. Most secured credit card accounts are normally around $300 to $500. You can of course make the amount as high as $5,000 this depends on how much you plan on putting into the students account for expenditures. The card is secured because of this deposit but it is still credit and must be paid according to the agreement.

This is a great way for the student to build their credit score so that they can apply for an unsecured credit later without worrying about a co-signer. It is best when you do have a credit card to make sure that you make your payments without being late. It is most beneficial for any student with a secured credit card to pay off the amount they use each month before the bill comes due. This enhances their credit record giving them a higher credit score.

When you're looking at all the types of student cards on the market, there are a few things that you have to keep in mind when applying for one. A regular card and a secured card are completely different when you compare the two and let me explain why they are different.

When you apply for a secured card, you're going to find out that the bank is going to ask for a deposit since you're at a higher risk. They are going to use this as collateral and if you don't pay your bills off each and every month, they can dip into your account and take the money that they need. This of course is going to affect your credit rating. This is why it's important to pay your card off in full each and every month.

If you do decide that you want to apply for a student card that's secured, always look at the fees as well as if it reports to the bureaus. If it doesn't report to the major credit bureaus, you may find out that it's going to be useless because the credit reporting agencies will never even know you have the card. This is why it's essential when it comes down to doing your homework. If you don't do your homework, you may find that you're using a card that you don't want. Look at the regular cards and the secured cards and see what will work out for you in the future.
Read On 2 comments

Financing Strategies ... !

10:05 AM
Here is a collection of finance articles that covers a wide variety of topics for your different needs. Begin with the articles about developing a budget on a debt management plan and the appropriate ways to manage debts.

Venture into business banking services or start a new one on reloadable credit cards. Improve your financial standing by availing one hour pay day loan if you have bad credit personal loan.

These are only examples of finance articles that are widely read but look at the sub categories for your other questions and you will see that we got them all here.
Read On 2 comments

7 money habits for you

7:46 PM
According to a research on the economic security of American's middle-class families, 76% percent of the families do not have enough net assets to meet 3/4 of basic expenses for 3 months. Although the data was as of 2006, the report revealed a trend of the situation getting worse over the years.

These days, the newspaper is flooded with news on economic downturn, job loss, bankruptcy... Are you ready for the future? Rate yourself with the household financial security scorecard. Here are some money habits to get you off the shaky ground.

1. Start saving automatically.
Start from 10% of your after-tax income. Setup an investment account with some of the low-cost and low-risk index funds. Schedule a monthly or bi-monthly deduction from your checking account to feed it. You'll be surprised how much you can save in a year.

2. Set a realistic budget and stick to it.
Find out how much you've been spending every month. Set a budget that's both feasible and comfortable, but a little lower than your average spending. If you spend more than necessary, deduct the excess from the budget of the next month. If you end up saving some, keep it aside as a rewards to pamper yourself. And enjoy it without guilt.

3. Always go shopping with a list (and your reusable shopping bag).
If an item is on your list, look for a bargain first. But don’t buy anything ONLY because it’s cheap. It's not your responsibility to cram your personal space with useless stuff in order to help the manufactures clear their inventory. Ask yourself if you'll buy it if it's not on sale. If the answer is no, walk away.

4. Examine your cash flow monthly.
Pay off your credit card balance every month. Figure out your bank fees and eliminate them by choosing a different plan or different bank. Look at the charges on cable, cell phone, internet, membership, are you paying more than you should?

5. Detail your net worth on paper and keep updating it every quarter.
Calculate your assets and liabilities. Follow up on your investments and make adjustments if necessary. Have a plan to increase your asset, not your possessions. There are plenty of books teaching you how to do that, which is why you should...

6. Educate yourself about finance
every week.
I borrow books from the library to make sure I read them. You can also talk to a financial adviser, but don't buy anything yet. Talk to your friends and do you own research. Make sure you understand what you are getting into. At the end of the day. The broker gets his cut regardless if your investment is paying off.

7. Work on generating more income everyday
Once you are in control of your finance, it's time to start making more money. It's the best way to improve your financial situation. If you are an employee, a side business can provide you more income and numerous tax deduction benefits. If you are not, find out better ways to turn what you are doing into a self-running business.

Money comes to those who know how to take care of them. Take care of your money and it will take care of you.
Read On 1 comments

consolidate credit card debt

7:42 PM
We know that it's good to consolidate credit card debt (at least that is what we keep hearing from everyone). In fact, the first step towards addressing the problem of credit card debt is to consolidate credit card debt. Now, what do you do to consolidate credit card debt? Should you just go with that attractive ad in the newspaper that says '...the lowest APR in the town is available here'?

The first thing, really, is to keep your eyes and ears open. There are always a number of offers available for you to choose from. The credit card suppliers keep coming with new and more attractive offers asking you to consolidate credit card debt with them. However, you must note that the APR quoted in bold, e.g. 0% APR, is applicable only for a short term (3-9 months). The long term (or the standard) APR is different. So, when you go looking for a credit card to consolidate credit card debt, you must be keenly looking for these 3 things (in terms of APR) - introductory APR, introductory APR period and the standard APR. Let's see how each one is important.

Introductory APR is probably the most attractive thing to look for when you are looking to consolidate credit card debt. If you consolidate credit card debt to a card that has a low introductory APR e.g. 0%, the first thing you get is a breather/relief in terms of the rate at which your credit card debt has been growing. Based on how long that 0% APR period is (generally you will look to consolidate credit card debt with a credit card supplier who offers 0% initial APR), you will at least be able to temporarily break the growth rate of your credit card debt. More the introductory period, the better it is. However, you should not ignore the standard APR when you consolidate credit card debt. This is the interest rate that will be applied to your balance after the expiry of the introductory low APR period that was given to lure you to consolidate credit card debt with that credit card supplier. If the standard APR is too high and you know that you will not be able to clear off the entire credit card debt during the low APR period, that credit card is probably not the best for you to consolidate credit card debt to. However, if you think that you will be able to clear off the entire credit card debt during that period, you can make some compromises on the standard APR of the credit card to which you consolidate credit card debt.

The card that synchronizes with your current and future financial position (and needs), is the one you should consolidate credit card debt to.
We know that it's good to consolidate credit card debt (at least that is what we keep hearing from everyone). In fact, the first step towards addressing the problem of credit card debt is to consolidate credit card debt. Now, what do you do to consolidate credit card debt? Should you just go with that attractive ad in the newspaper that says '...the lowest APR in the town is available here'?

The first thing, really, is to keep your eyes and ears open. There are always a number of offers available for you to choose from. The credit card suppliers keep coming with new and more attractive offers asking you to consolidate credit card debt with them. However, you must note that the APR quoted in bold, e.g. 0% APR, is applicable only for a short term (3-9 months). The long term (or the standard) APR is different. So, when you go looking for a credit card to consolidate credit card debt, you must be keenly looking for these 3 things (in terms of APR) - introductory APR, introductory APR period and the standard APR. Let's see how each one is important.

Introductory APR is probably the most attractive thing to look for when you are looking to consolidate credit card debt. If you consolidate credit card debt to a card that has a low introductory APR e.g. 0%, the first thing you get is a breather/relief in terms of the rate at which your credit card debt has been growing. Based on how long that 0% APR period is (generally you will look to consolidate credit card debt with a credit card supplier who offers 0% initial APR), you will at least be able to temporarily break the growth rate of your credit card debt. More the introductory period, the better it is. However, you should not ignore the standard APR when you consolidate credit card debt. This is the interest rate that will be applied to your balance after the expiry of the introductory low APR period that was given to lure you to consolidate credit card debt with that credit card supplier. If the standard APR is too high and you know that you will not be able to clear off the entire credit card debt during the low APR period, that credit card is probably not the best for you to consolidate credit card debt to. However, if you think that you will be able to clear off the entire credit card debt during that period, you can make some compromises on the standard APR of the credit card to which you consolidate credit card debt.

The card that synchronizes with your current and future financial position (and needs), is the one you should consolidate credit card debt to.
Read On 0 comments

Big Secret to Making Money Online: Stop Wasting Money

7:20 PM
I'm sure that headline reads like common sense at first - in order to make money, you shouldn't waste money - but let me explain exactly what I mean.
I'm talking about the compulsion that so many people have to buy the latest internet marketing product out there because they think it's going to make them rich in no time at all. You know who you are.

I can understand why someone might think that way. After all, the marketing for these products always does a good job of selling them as bright shiny new money making techniques that work overnight. But they never really work out to be that exactly, do they?

By the way, I'm not calling every new internet marketing product a scam. But it's fair to think that I might be, anyone who knows me knows that I spend a lot of time educating internet users about scams and how to avoid them. But right now, actually, I'm talking about the good ones. And there have been some very good programs available that have been put together with a lot of hard work and research by folks with a lot of personal experience.

But the marketing often sells them as the quick fix, and they often insist that you make your purchase right away before it comes off the market or goes up in price. That's fine as a marketing technique, but it's not doing you any favors.

In truth, if it's any good, then it'll still be around in a few months, so you can always get it then. And if you're thinking, "But Mark, it's only going to be available to buy for a few days", then I say let them take it off the market. They'll reopen it again soon, don't you worry. They always do. And then you'll at least be able to see how it worked out for previous customers.

But I digress. What I really want to talk about right now is how distracting it is to you and your business to keep chasing after the hot new thing time and again, and never getting any important work done.

You end up buying and reading and buying and reading, sometimes for years, and never taking action. Educating yourself is always a good idea, but you don't want it to get in the way of doing the work you need to do. And, I'm sorry to say, there will be some work to do.

I'm sure you've heard many times about the importance of taking action. Just getting started, for most people, is a huge step. Seeing your way through all of the steps to the end is an even greater accomplishment, and one that so few people actually achieve.

And that's why so many people are having trouble making money with their online businesses.

So my recommendation today is essentially that you find a good solid program from some trustworthy people that will teach you how to go from zero to a successful website and stick with it until you complete the whole program and your website is running on autopilot and bringing in the cash.

Once you're in that position, then start looking for other programs that can help you work on other things like search engine optimization, or pay-per-click campaigns, or increasing conversions, or what have you. And even then, stick to one system at a time until it's completed. Then move on to the next.

It's the only way to be truly effective and successful with your business.

here are a lot of great programs out there that can help, and if they're really great, then they'll still be there when you reach the point with your website when it makes sense to invest in them.

Article Source: http://www.articlesbase.com/business-articles/make-money-for-free-851712.html
Read On 1 comments

Make Money For Free for yourself

7:13 PM
Are you asking yourself, how do I make money for free? Is there such thing as free money? Free money is right in front of our faces every day. Could it really be that easy? It can be and it really is.
All you have to do is some research. You have to research, how to make money online. I can give you some free pointers. I believe that money should come easy for all of us. It should not be hard and you should not have to strain. Everybody everywhere should be making money and living the life they want to. You deserve to make money, lots of money and I will tell you how to do it.

What you must do, is find an affiliate program. An affiliate program is where you promote someone's product and make a generous commission. Commissions are generally over 50%. Just type in affiliate programs on your internet browser and your opportunities are awaiting you. Now pick an affiliate product that jumps out to you. Usually a good product to promote is something that you are interested in.

Most affiliate programs are free. Some good affiliate programs are clickbank, commissionjunction, and paydotcom. Ok, so now you have an affiliate product or maybe several. You can promote these products through free classified ad sites. You can promote these products through free forums. There are many other ways to promote your products. Just do a search and use your resources.

You can definitely make some free money. It does take some time and effort on your part but it is worth it. You could very easily benefit and make even more income than your full time job. Many people make thousands of dollars a year from this line of work. The best part is that you do not even have to leave home. Parents can enjoy time with kids. Couples can enjoy time together. Once you put in the work, you can make money with doing minimal work. By minimal, I mean like only 1-3 hours a day.

If you are looking to make money right away, you may want to invest in a legit money making program. A money making program on the internet can range anywhere from $50- $100. What these programs do for you, is give you an easy to follow guide or e-book. Some give you a free website. A lot of these internet programs give you leads which tend to make your sales a whole lot easier, which gets you making money faster. Plus this helps you make more money right away. People make money as fast as 3 days with proven systems. Make sure if you pay for an online system, that it has a money back guarantee. Make sure that it is a creditable site. Look for one time fees and no other out of pocket expenses.

Whatever you decide to do, I want to wish you luck. I want you to know that there is such thing as free money. It doesn't have to be hard or frustrating. We just have to think outside of the box. Many people are turning towards the internet and are making above average incomes. These people are just average people, people like you and me. I am making a fortune and so are they, and so can you.
Read On 0 comments

Subscribe via email

Enter your email address:

Recent Posts Link Exchange
Jakarta Community:Intekhab Online:make money blogging:advertise on blogs

Related Websites

Followers


Site Meter