What you get from life insurance

For some people, buying life insurance program can be one of the most difficult things that they need to do in their life. They say that buying life insurance takes a lot of discussions and considerations. This kind of notion is correct because the life insurance that you buy will somewhat affect your future. Many people also say that having a good life insurance program means that they will have a better investment thus, a better future. If you do not know how to buy a life insurance program from a life insurance company, you should never buy it randomly because, at the end, you will regret your choice.

For example, the very first thing that you need to think about when you are buying a life insurance program is to take a look at the other companies who also offer the same kind of program. For example, if you are going to buy a Whole Life Insurance program from one company, make sure that you have the same program from another company so that you can compare and contrast the good and the bad things from each program. This way, you will be able to determine whose product is better than the other.  

Let’s Use A Payday Loan Wisely!

When your online payday loan application is approved, you should have equipped yourself with a financial plan. It can be true that many people can be very excited once their loan application is approved. As the result, some people may use their loan for unnecessary things and will affect their financial life. Recently, the process to get a payday loan is much easier and simpler. Otherwise, we still need to use a payday loan wisely.

After the money or loan is deposited to your bank account, you had better not use the whole of it. The loan should be divided into two main parts. The first part is using the loan to fulfill your emergency cash. It relates to your needs or first intention when you decide to take a payday loan. The second part is using the rest money or the loan to fulfill the repayment. When you repay a payday loan, there will be rates of interest included. It means that you have to provide a greater amount of money. So, the rest of the loan can be used to support your small business that will help you earning much money before the due date of the repayment.

Buy The Cheapest Car Insurance

There are lots of car insurance companies provide kinds of tempting offers for us. There will be kinds of discounts offered to us as well. Otherwise, in order to get the cheapest or lowest car insurance, we should pay attention to some details such as our driving record, our annual mileage, our car model, and our driving habit.

The premium cost will be made based on several considerations. Having a bad driving record will imply that you have a high risk to get a car accident on the road. Based on that, the insurer may charge a higher premium. An annual mileage will also affect your premium cost. If you want to purchase the cheapest car insurance, you should make sure that you give a trustful report of your annual mileage. The more expensive a car is, the higher the premium will be. In other words, if you desire to get the cheapest car insurance, you may consider not purchasing a sport car or a luxury car.

Furthermore, your driving habit will also impact your premium cost. If you are a careless driver, your premium will be costly. In short, if we want to purchase the cheapest car insurance, we should have both a good driving record and a good driving habit. 

How Can I Tell If I Can Earn a Good Living From My Chosen Niche?

So you are looking to start your own business online and have come up with an idea about which niche to work in or maybe you have a few options and you want to know if there is a good or even great chance that it will generate a good income for you and your loved ones. In this article I will go through some ways that you can use to evaluate the potential profitability of your niche.

Please understand that there is no way to be absolutely certain and if you are not open to taking some calculated risks then you are unlikely to be successful in business. There are many factors that are involved in building a successful business and choosing the right niche is just one of them. Another key factor is you, your commitment and dedication, your attitude, your skills and experience. Also it is important to remember that all long-term success is built upon a number of so-called failures along the way. With this caution in mind I'll go on now to talk about how you can increase your odds, so to speak, of making a successful business out of your chosen niche.

There are three key criteria for judging the profitability of your niche. First, does your niche address a challenge that a large enough group of people have and want to overcome. Now you're thinking how large is enough, yes? It really depends on the price level of your products or services. If you are going to aim for an exclusive group and charge high prices i.e. thousands then you don't need such a large group. Whereas if your product or programme is much cheaper, then you will need a much larger pool of potential customers. So I can't give you any hard and fast figures.

The second criterion is that your target market must be willing to pay and invest in solving their challenge. The more painful and annoying the challenge the more likely people are going to be to pay for a solution. So what are the consequences for your potential customers if they don't resolve their issues and are they sufficiently painful to motivate them to buy your products and programmes.

The third criterion is that you must be able to get your marketing message in front of your chosen audience easily and cheaply. So how many places online can you think of where your potential customers can be found and what are the costs, if any other than your time, involved in presenting your products and programmes to them?

By the way do you want to learn more about finding your ideal niche?

How Are My Online Competitors Different to My Bricks and Mortar Competitors?

The online marketplace, with the input of Search Engine Optimisation and Marketing, can mean that your competitors are quite different to those you face in the bricks and mortar marketplace.

Traditionally, your competitors may have been those shops located in a busy shopping mall, selling a similar range of products to your own. Both you and your consumers can infer this similarity from what is presented in the store, and from in-store displayed advertising/promotions. Conversely, such comparisons are not so easily made in the online marketplace, and your competitors are likely to be businesses which you perhaps didn't even consider you were up against.

Why the difference? The methodology applied in the world of Search Engines, in relation to consumers search queries and which websites appear in the results, takes into account many factors. One of these factors is the relationship between the keyword phrases used in a particular search query, and which companies have used these keyword phrases in the Search Engine Optimisation and Marketing of their websites. If the brick and mortar shop at the end of the mall has a website with a focus on product 'B' only and your website's main focus is on products 'A' and 'B', then the Search Engines will establish that your target markets are different, therefore your online competitors will also be different.

It can seem odd that a website which is remarkably different to your website is one of your competitors in the online marketplace. It is important to remember that your online competitors may offer slightly different services to your business. As an example, a website which appears on page 1 of the search results for a keyword phrase related to product 'B', might also sell another entirely different product range as well. Overall, these online competitors are appearing for the same keyword phrases as your website and vying for the same visitors.

Being a website owner, it is highly likely you have carried out a few searches using a keyword phrase related to your business, but haven't seen your website in the first 3 search result pages. Given this cause for concern, you are now considering a Search Engine Optimisation and Marketing strategy to help increase your websites rankings and resultantly gain more traffic. Did you also jot down who your competitors were when you conducted your search? These businesses are your online marketplace competitors.

As we noted above, the Search Engines consider many factors when determining which websites to display for a given search, based on relevancy to the search query. Because of this, it is imperative that your website measures up against these relevancy factors. Enlisting the ongoing services of a Search Engine Optimisation and Marketing Company, will ensure that your website is positioned competitively against your online marketplace competitors - both those you are aware of, and those that you are not.

7 Steps to Get Started Making Money Online With a Blog

The internet has made it easy for us to make money online if you have a way with words. There are a few things that you should do to make money online. Although there are many ways to make money online, blogging is turning on very popular as it allows anyone with an internet connection to get started with making money online. I started my first blog with a mobile. The things like designing, adding widgets are all difficult but still blogging with only a mobile is possible. Only an internet connection is required. The material you will get when you start or else you can write about what you love.

How to get started with blogging?

1. Finding a niche
The first and hardest step to get started with blogging is to decide what to write about. But it can be the easiest thing to do if you have an interest at something. Everybody's good at something and within the span of a lifetime, from our childhood we learn things that shape our memories and define us. The little nuggets of wisdom that we learn lie deep within us like pebbles at the bottom of a river. These very things and the experiences we had at handling them, whether pleasant or bitter define our thoughts and interests. Along with interest, blogging is also about running a business. If you want to make a living with blogging you need to treat blogging as a business, you need to treat it as a real job. To run a business you need to find out what people are searching online. Here comes the importance of keyword research. Keyword research tells you what people are looking for and tells you if you can potentially generate money with your writing expedition.

2. Buying a domain
Buying a domain name is quite easy but choosing what name to give your dreams is very hard. I think it doesn't matter whichever name you give as long as it is easy to spell. Keep it simple. You can either go for a keyword rich blog name or a name which has no relation to keywords. The word Pepsi has no relation to cold drinks but when you need to chill off you go for Pepsi, similarly Nokia is the greatest brand on earth but it doesn't remotely sound a phone. Both the names are simple and sweet. Learn from the way things work around you, try to observe and you will learn more than a pro blogger can teach you. Lots of sites are available for you too buy a domain like GoDaddy, Name cheap etc.

3. Choosing a hosting
A Host is simply the place where you store the stuff what consists your website and your host makes it available online. Whenever any Tom, Dick or Harry types in your site on the address bar, the hosting company makes sure that they reach you. If you are unavailable at that time you have lost the revenue the visitor could have generated, you have lost a customer for no fault of yours and that's why never ever go for cheap hosting. My blog is hosted on HostGator and so are a million other websites. Bluehost, HostGator, DreamHost the choice is yours!

4. Blogger or WordPress the eternal debate
The debate never ends but I will put my vote on WordPress. I have used the Blogger platform for 15 months and the Word press platform since a few days and with Word press you have the convenience of say Home delivery. You need to do anything you got a plugin for that. From SEO to submitting your sitemap there's a plugin for every need. With blogger the quality of third party widgets is awful and you have to search the code for everything, copy paste it and see if it works. When you are starting out blogger is great but then as Paul says it in the bible grown ups need solid food and babies milk. One more thing with WordPress is that there's so much to learn that you can start a blog on your learning experiences alone.

5. So your first post is live, do not share it
Yes I am not kidding, if you have written your only post then do not bother about sharing it online on Facebook, Twitter, delicious or Digg. The reason is that your blog is empty. People never visit a shop if it looks empty even if that shop has something that they are looking for. Similarly a visitor landing from any social media site will leave before your page loads if your site doesn't look full. Wait until you have 10 posts and then start sharing it to the world.

6. Guest posting
This step needs to be followed immediately after writing some posts on your blog like 10 to 15. There are a lot of people who have succeeded online a big way. There is Problogger.net, Johnchow.com, Dailyblogtips.com etc where you can post an article. Beef it up with a link to your site and Google gives some of the importance that the big site is receiving to you without you have to reach that level. Quality backlinks matter and whenever you do a guest post on a high PR blog you are working towards improving your PR too. The visitors who come to your site are a nice catch and you should have a giveaway ready for capturing their e mail addresses. To know what you can do with that read below.

7. E mail marketing
AWeber is the thing to do when it comes to e mail marketing. Give away something for free to your target audience to make them sign up under your aegis. An e book on "how to make money online" would be ideal. Capture their e mail ids and send them offers periodically.

Spotting Fake Craigslist Ads Made Simple And Easy

Advertisements are considered to be the life blood of almost every small and large business organization. With the roots of internet spanning to different sectors of the economy, how can the world of advertising be left untouched. People have started using internet as one of the best platforms for promoting their respective business concerns. There are a number of websites that support classified advertisements and Craigslist is one of the most popular ones. It is a great platform to advertise your business venture in just a few minutes. Craigslist Ads can easily promote your next entrepreneurial project among target audience and that too without spending a fortune.

No doubt Craigslist is an excellent platform for classified ads, but it also attracts a good number of bots, scammers and fake advertisements. This gives birth to the need of being watchful in order to stay safe from the evil elements of the web world. You should watch out for such fake ads as anyone can take full advantage of your cyberspace presence. With the help of some simple steps mentioned below, you can easily stay safe from fake Craigslist Ads and save your precious money.

• One of the most visible signs of an advertisement being bogus is that it appears too good to be true. You can stay safe from such scammers by opting to deal with the local people only. If you are getting indulge in any buying or selling activities, dealing solely in cash and making/receiving bills is generally advisable.

• For replying to the advertisements, you should always try to make use of secondary email account. The account should be one that you hardly care about. Advertisements used by the spammers to collect mails will only be seeing your secondary email address.

• One of the best ways of checking fake Craigslist Ads is making use of two separate emails to reply to the same advertisement. If you receive same reply in a really fast manner on both your emails, then the ad is probably run by bots. These fake responses normally have different email ids but the content is completely same.

• If you are able to see the same advertisements in other cities as well, there are 100% chances of the advertisement being fake. Scammers and spammers regularly post these ads in different cities as well as countries in order to stay ahead in the race.

So, these are some simple ways that can surely help you in spotting any fake Craigslist Ads as well as listings in an easy manner.

Facebook's New Timeline Layout for Business

Inserting a Cover Photo 

The first and the most important step will be to insert a Cover Photograph. The cover photo should be a true and clear representation of your business and not contain sales, discounts, contact information, or overt references to "like" or "share" your page. The cover image should be at least 399 pixels. To get the best quality image and fastest load times for your Page, upload an RGB JPG file that's 851 pixels wide by 315 pixels tall and less than 100 kb. The most important thing is that should be enticing for the target users so much that they should be compelled to tag it to their timeline.

Inserting Profile Picture 

Profile picture is the normal profile picture which was used until now and displays next to wall posts and other members would be able to see it. The best choice would be a logo of your business. It should be at least 180 X 180 pixels.

Admin Panel 

The new business page has Tool Icons at the top of the page - Views, Apps, Admin Panel, Messages, and About etc. This offers great information pertaining to what your fans like, how they interact with your content, where they are located and more marketing information. Furthermore, you can manage one-on-one messages from fans, design new advertisements and campaigns in this top admin panel without leaving your business page.

Organization of Apps 

You can easily arrange the most important news and pictures on the basis of priority. As many as 12 Apps can be tagged here like photographs, events, "Join my List" to grow your email contacts, and so on and, fans will be able to enjoy it using the drop down Icon. The administrator can also modify the photographs using the Admin Panel.

Star, Hide or Pin 

This is a great new feature of the new Business Page Design. By simply hovering over the top right of a post on your page, you can access these tools to: Star/highlight an article or story which would be beneficial for your business and it will spread it across both columns to make it stand out. If you would like an article to remain at the top of your page (for up to a week), simply "Pin to Top". You can also hide content and even delete something irrelevant.

Management of Messages 

This is a great asset for businesses as it enables their fans to connect with them more personally, to send them their suggestions, advice, and other thoughts on various issues. As we all know not all thoughts can be shared publicly. This can also become very helpful business tactics as we can communicate directly with the political leaders, actors, entrepreneurs and in turn these people can learn about their shortcomings and rectify them on a one-to-one basis.

Other Important Features

About - Give a brief and concise description of your business. This is very important also as it can be a crowd puller. 

Milestone - Facebook allows you to keep a record of your worthwhile achievements and growth and it will be tagged on your page along with the historical photograph. You can expect many of compliments! 

Activity Log - The activity Log helps you to manage your posts, messages and comments from a single place.

There are many more such exciting features in Facebook's new Business Timeline Layout that will certainly enhance your business and the way you manage your page. Utilizing Facebook for your business is an asset for success and the new business layout furthers your efforts.

The Pros and Cons of Employee Maintained Business Blogs

Employee blogging is a good thing and a bad thing. A business needs to control their reputation online and offline and having a lot of bloggers spread the word about their business is a good thing, however, it is also a bad thing because it opens up more and more avenues for the business to be attacked on different social media platforms. Therefore, a business must carefully weigh the pros and cons of an action before they go as deep as possible with that action.

The good part of this action is that the business has a greater reach than they did before their employees started to blog on their (or a) website. This means that the company enjoys a greater amount of exposure to the world. They are able to get more traffic because they have more pages to get that traffic. Essentially, the business is casting a bigger net to catch more potential clients and customers. All a very good thing for the business owner or business in the future, because every little piece of publicity helps a business extend their brand.

However, the greater number of pages increases the business's chances of being attacked through those pages. The blogging platforms have their comments set to "on" by default. This means that an internet "troll" can essentially attack a business by posting irrelevant and anger driven comments in the comments field.

The best way to deal with this problem is to turn on moderation in the comment field. This ensures that all comments are moderated and only the positive and constructive comments are allowed on the page. The attacking and devious comments are deleted and do not cause problems for the business. They do not hurt the reputation of the business and they do not hurt the business in the end.

One more thing to keep in mind is that a person who moderates the comments for the blogs should not be the same person who writes the posts. The moderator is a neutral entity who will not take any comments personally, whereas the blog creator is likely to become upset with the comments that some of the blog readers may make on the blog. This keeps the blog writer positive and keeps the reputation of the business clean.

In the end, a business make a decision whether or not the down sides of having employees blogging is worth the upside of having the extra exposure. There are many mistakes that both the business and the employee can make when using this system. Therefore, it must be carefully considered before a business decides to take this course of action.

Remember that employees will extend the reach of the business and may potentially bring in far more customers and clients with their blogs. However, it must be considered that this also opens the business up to attacks from the outside. There is also the problem that a business can be associated with comments from the blogger that they do not believe in themselves. Therefore, there is no right or wrong answer to this question, it just depends on what the business owner wants and needs.

Business Credit Card Payment Processing Solutions

Every business that sells goods and services online requires some form of credit card payment processing. Online payment services are similar to an offline merchant account. When the purchaser enters his details online, the credit card details are passed through an encrypted gateway, authenticated and the funds are transferred to the sellers account. This seamless process is the very foundation that ecommerce is built on. To accommodate international funds transfer, a plethora of different merchant services have arisen. Each of these services differs slightly. Just what are the key types and differences in online credit card payment processing services?

PayPal: PayPal is a payment alternative that is available to facilitate transactions in a diverse range of countries and currencies. Users are required to setup an account and verify their credit card details. They can then purchase goods and services through websites that provide PayPal shopping carts. Merchants that use this service do not need to interface with a bank account. The funds are held within the merchant PayPal account and can be transferred to the merchant FFFDs bank account. If the business is conducted in a foreign currency, currency exchange rates are applied to balance transfers. The advantage of this service is that it is quick to setup and does not require programming experience to establish a payment gateway to the merchants bank account. There are no fees to setup this process and transaction fees are cost-effective for low volume transactions.

3rd Party Solution Providers: Companies such as 2checkout.com provide an internet credit card payment processing service that operates in a similar fashion to PayPal. The advantage of this service is that it supports a wider variety of credit cards. The fees are slightly higher than PayPal and merchants are required to pay a one time activation fee. Funds are held in the merchants 2checkout account and can be transferred to a bank account when required.

Google Checkout: This service is provided by Google and is available only to merchants within the US and UK. Although Google plans to expand this internationally, they have not provided any further details on where and when. The advantage to merchants that qualify is the fee free period that extends into 2008.

Bank Merchant account: Your local bank can usually provide a payment processing service or recommend an authorized solution provider. Bank merchant accounts are usually an advantage to high volume transaction businesses because the processing fees are lower. They usually charge a setup fee and ongoing monthly fee. The service becomes more cost-effective to a business after a certain volume of transactions have been reached. The downside of this option is that it can require programming knowledge to setup the online payment gateway. Unless you have an in-house programmer or use the services of a programmer, the above solutions are usually preferred by web merchants.

This is a basic summary of some common services for processing credit card payments. You can find out more about each service by visiting the respective web site.

Ecommerce Analysis That Counts

E-commerce web analysis deals with traffic measurements, sales conversion, keyword conversion and site performance metrics. Knowing what the numbers mean and interpreting them within the framework of your online business is very important. Small reductions in pay-per-click advertising costs, an increase in sales or site traffic can add significantly to your bottom line. You need to know what ecommerce metrics to focus on and how to setup your e-commerce analysis to benchmark your site performance. Here are some essential components of web site analysis:

Sales Analysis: You should have conversion code installed on all your sales pages to record which search terms your visitors used to produce the sale. This will allow you to refine your search engine and pay-per-click campaigns to target terms that correspond to customer buying behavior. Google analytics has the capacity to measure these statistics. You can learn more about installing and using the features of this package by doing an online search for the Google analytics website.

Keyword Analysis: This applies at the organic and pay-per-click level. By knowing where your traffic is coming from you can refine your advertising options to increase your exposure to traffic that is relevant and decrease exposure to lazy traffic that does not convert. This allows a company to reduce pay-per-click bids and to focus search engine optimization on terms that bring highly targeted traffic that converts.

Traffic Analysis: E-commerce web analysis can indicate where the majority of your traffic is coming form. If you have targeted advertising on portal or partner sites, you can determine the suitability of the target market and adjust your campaigns accordingly. This applies across all search engine disciplines and can indicate areas that need attention and potential hidden areas for further refinement or research.

Content Analysis: A trend that reveals higher page views within your site can indicate potential audience interest that is ripe for further content or product creation. You internet analysis statistics will indicate how long visitors stayed on a web page. Pages that do not attract much interest may be topics that do not interest your target market or that require further advertising effort to bring them to the forefront of visitor attention.

Geographic Analysis: A high percentage of purchasers from a geographic area provides a good indication of where your target market resides. You can then seek advertising partners that have a high exposure to this area and create banner or traffic campaigns to divert relevant traffic to your site.

The above aspects of e commerce web analysis should be considered by any online business that is looking to increase its bottom line.

Ecommerce Sector Growth And Composition

Ecommerce web growth continues to accelerate on a worldwide basis as more consumers gain confidence to transact on the internet, traditional business shifts its service provision to ecommerce platforms and internet access levels in both developed and underdeveloped countries continues to increase. The following information provides a breakdown of the contribution to economic ecommerce growth. The reported statistics are from the US Census Bureau E Stats publication and outline the sector composition and growth rates over the 2000 to year 2005 period.

In the May 2007 edition of the US Census Bureau E Stats publication, it has been reported that business to business transactions by manufacturers and merchant wholesalers accounted for most ecommerce (92 per cent). Trade data indicates that during the period 2000-2005 ecommerce growth for manufacturing continues to outperform merchant wholesale trade followed by retail trade and selected services. As a percentage of total sales, e-commerce sales of merchant wholesalers grew more slowly than total sales.

Ecommerce Growth Rates And Trends:

From 2000 to 2005 manufacturing e-shipments increased at an average annual growth rate of 11.4 percent compare to 2.5 percent for total shipments during the corresponding period.

During 2000 to 2005, e-shipments as a share of total shipments were largest in the transportation equipment group, beverage and tobacco sectors.

The growth of ecommerce sector contributions in value terms: Manufacturing: Transportation and Equipment - 29 per cent

Chemicals - 13%

Petroleum and Coal Products - 8%

Food Products - 8%

Computer and Electronic Products - 7%

Merchant Wholesale trade: In the 16 industries that were recorded, four industry groups stood out contribution wise. Drugs and druggists, sundries, motor vehicles and automotive equipment, and professional equipment and grocery products accounted for 69% of total e-sales.

Retail Trade: Form the period 2000 to 2005, retail e-sales increased at an average annual growth rate of 27.3 percent compared with 43% for total retail sales. Over 90% of retail sales were accounted for by non-store retailers (73%) and motor vehicle parts dealers (18%).

Selected Service Industries: From 2002 to 2005 ecommerce revenues in the selected service industries sector increased at an average annual growth rate of 26.5 percent compared with 6.9 percent for the total revenue of the selected services industries. The two largest sub sector contributions came from the publishing and travel reservation services (23 percent collectively).

Ecommerce growth is expected to continue to accelerate in the years to come as emerging markets integrate into the world economy and as more countries join the world trade organization.