Two Cents Worth

Free financial planning newsletter. Keep abreast of tax laws, RRSP rules, and other legislation.
www.rrsp.org/newslet.htm

Bauer Financial Newsletters, Inc.

Jumbo Rate News, published weekly, lists the highest Jumbo CD rates at credit worthy banks and thrifts nationwide. Now in its sixteenth year.
www.bauerfinancial.com

Robinson and Allfree Financial Services Newsletter

Quarterly newsletter on investments and pensions from this firm of Solicitors and IFAs in Kent.
www.robinson-allfree.co.uk/invest1.html

Sound Mind Investing

Financial newsletter for Christian families.
www.soundmindinvesting.com

Wealth Manager

This is the site of Bloomberg's "Wealth Manager" magazine with news, bulletine boards, and other useful tools.
wealth.bloomberg.com/

Financial Learning

This site is sponsored by General Electric in an effort to battle a "financial literacy crisis."
www.financiallearning.com/ge/home.jsp

The Importance of Market Research


By Justin Kander

Marketing is a versatile, competitive world, and when developing your marketing plan, odds are you will not get it right the first time. You need time to learn about the demographics, geography, and psycho graphics of your customers before your marketing can really be effective. That is why it is important to not stick with your first plan, as you will need to change it frequently for one reason or another.

A good phrase to live by in marketing is, "Learn from your mistakes." Sometimes testing happens naturally. Some of your marketing campaigns will fail, but instead of getting discouraged, analyze what went wrong. Maybe you advertised through the wrong medium, or to the wrong demographic. Collect all the mistakes you have made and really look at them; do not try to forget or ignore them, you have to face your mistakes if you want to be successful.

If you hate making mistakes and want to get it right the first time, there is a way, and that is market research. However, full on market research is incredibly expensive and small businesses cannot afford it, but light end market research is possible. Basically, you just have to look at the demographic of your competitors and make that your demographic. It's not that easy, though. Demographics may vary between businesses of the same nature, and that is where testing comes in. You need to test if that demographic works for you, and if it does not, you need to test another demographic.

You should not spend a lot of money on market tests. The purpose, after all, is to find the medium and demographic through which you should advertise or market. For example, if you have a website, you might want to try out banner advertising. Don't spend a lot of money at first, only spend a little and see the ROI. If the conversion is good, you know you will want to keep advertising through that medium. Executing so many marketing tests is time-consuming and costly, but it all pays off when you finally develop an effective, recyclable marketing campaign.

Justin Kander works with http://www.getprocash.com to give people tons of ways to make money online.

A7

Do Good CAPTCHAs Really Have To Be Unfriendly? An Expert Explains


by John Prodonovich

For those of you who are not familiar with the term, a CAPTCHA is a feature on many user populated websites, such as Myspace with the purpose of blocking automated programs from spamming its users and for overall security. Here is how it works:

A user is required to enter a random letter and number password into a form before being able to submit information, log in, etc. This password is essentially given directly to the user in an image, rather than in text form, so that an automated program cannot detect the characters. The password the form field expects is the same as that shown on the image, but this sometimes causes problems.

Jeff Atwood at the Coding Horrors blog discusses whether CAPTCHAs are dead. This follows a news report that scalpers probably beat the CAPTCHAs at Ticketmaster.

Jeff links to a Chinese site that sells CAPTCHA decoders. The site quotes different prices for breaking different CAPTCHAs. An eBay decoder, for example, is being sold for $4000 and claims 70% accuracy.

What caught my attention were the unbreakable CAPTCHAs in the list. The Yahoo CAPTCHA is listed as unbreakable. That isn't surprising. Most of us can barely get it right ourselves.

Consider a Yahoo CAPTCHA. Sometimes you cannot tell the difference between a G or a 6? And the way that letters are often skewed, the difference bewteen certain uppercase and lowercase letters is virtually unrecognizable?

Contrast that with a Google CAPTCHA also listed as unbreakable. The Google image is clean and legible. Most of us have no difficulty getting it right. Google demonstrates that effective CAPTCHAs don't have to be unfriendly to users.

I am curious to learn which CAPTCHA libraries generate strong, yet user friendly challenges.

For information on Penetration Testing, please visit Plynt.com.

R6

Real AdSense Secrets - Build Your AdSense Business Today


By Susan Velez

Google AdSense is a lucrative way to make money online without having to spend any money. However many people will start a blog and put some AdSense code on their blog and expect to see money begin to come in. Unfortunately this is not the way to build an AdSense business. However with these AdSense secrets I am going to expose you can literally be making money with in the first 30 days.

What are passionate about? Better yet what is "hot?" People are always looking for ways to treat something, buy something, or get information on something. If you can find a keyword that is "hot" and the crowd is starving for information about it, then you have found a "goldmine." People come to the internet to browse for all kinds of information and if you can find a way to get them the information that they have come to look for then the money you can make from your efforts are endless.

Before you run off to set up a free blog; by Google; find a niche that interests you and that you feel like you can become an expert on. Yes everyone can become an expert and you do have some wisdom in certain areas. You do not have to purchase a keyword tool finder at first you can find your niche keyword by going to Google' free keyword tool finder. However once you begin making some money by using these AdSense secrets I highly recommend purchasing a keyword tool finder it will give thousands of more keywords than the free tool

You can begin setting a free blog and begin writing. One important thing about making money with real AdSense secrets is you want to always make sure your content is original so that your blog can get good rankings with Google. Once you begin building your AdSense empire and start your blog; take the time to add fresh content everyday. Google loves content the more content you add the more traffic Google will send to your site.

This is where many people stop they put all kinds of pretty pictures on their blogs or websites and post a couple of times. Now they sit back and expect to get all kinds of traffic to their site so they can begin making money with AdSense.

However you must also learn about how to get one way links to your website to let Google know your site is there. The more one way links you can get to your site the more the search engines will think your site is of importance.

Hopefully these real AdSense tips will help you get started. If you want more information on how to build you AdSense business feel free to visit the website below

Learn how I get a check every month from Google for over $100 without spending any money on advertising. Get all the secrets here.


A6

How to Get Number 1 Rankings on Google, Yahoo and MSN Using Video Hosting Sites

By John Prodonovich

The other day, I did a test to see how fast my videos would be found in the search engines and to see how well they would rank for the keywords I was optimizing my videos for.

The results were outstanding and should bring hope to anyone who feels that getting a #1 or top 10 listing on the major search engines is out of reach. Everyone can get top listings, with videos

The process was very simple. I filmed a video, submitted and tagged my video, and 13 hours later, I was in the #1 spot. Then, 24 hours later that same video on different video networks occupied spots 1, 2 and 3 on Google.

So, how easy is it to do? Very easy, just follow these steps and you'll be getting #1 listings on Google, MSN and Yahoo in no time flat.

First - Create your video. Use a video camera or digital video camera and get the digital file on to you computer so you can manipulate it in a video editing program. If you don't have a video camera, no problem, all you need is a microphone and an audio recording program like Audacity, and you can create an mp3 audio file with 30 seconds to 5 minutes of audio, and convert that audio to video. Don't worry, that's easy too, I'll tell you how in the next steps.

Second - Edit the video file to have the look, feel, URL's and production values you like. If you made an audio file, put that audio file into the video editing software. Most PC's come with Windows Movie Maker, which is free, and you can drop the Mp3 audio in there and place, random Digital pictures throughout the length of the audio file to create the "video" images that go along with your audio.

Third - Upload the finished video file, which should be in wmv format to a video submission host, called Tubemogul. At Tubemogul, you can upload unlimited videos, and then have those videos uploaded automatically to some of the more popular video hosting sites on the internet like Youtube, Google Video, Yahoo Video, Metacafe, Revver, and some other popular one.

Let me say that Tubemogul is also MORE than just a video posting service, they are MUCH more. They can track all the video views you get DAILY on EACH video hosting site. They'll provide charts and other track meta data, that is very important to marketers to daily track stats across all the video sites. And remember, it's all free to do this.

Fourth & Final Step - Push your videos out to the video hosting sites and let Tubemogul do the work for you. But a key element is, you want people to find your videos. The search engines find videos, not based on the content said inside them, but by the tags and descriptions about them. Tagging is the single most important element of getting traffic to other websites, based on what your video is tagged for.

Jeff Mills is giving away free home based business DVDs showing how people can make a six figure income, working from home and is giving away $757 in bonus marketing tools to anyone who claims one of the last remaining DVDs before they sell out. Claim your DVD at http://www.homebasedbusinessdvd.com

R9>
Google
 

Business Portal News

Living in the cloud
I used Wakoopa to track which applications I run on my home Windows machine. Here’s what it says: When 96% of your computer time is spent in a browser, that’s living in the cloud.

My RSS Reader Stats
I noticed that The Guardian drew up a list of top 100 sites for 2009. There’s a lot of great sites on their list, from stackoverflow.com to popurls.com to xkcd. One snag for me is that The Guardian only recommended two sites for blogging: Bloglines and WordPress. WordPress is great and just came out with a [...]

Ten things I don’t like about Google Chrome
Recently I blogged about what I like about Google Chrome, and Philipp Lenssen asked a good question: “What do you *not* like about Google Chrome?” Normally when I have suggestions or complaints about a Google product, I talk directly to that team within Google — the Google Chrome team is especially good about listening to feedback. [...]

Charity donation recommendations?
It’s the end of 2008, which means that it’s time for one of my favorite posts of the year: what charities would you recommend donating to? As I said a couple years ago: If you’re not aware of them, GuideStar and Charity Navigator are two good places to start. … Does anyone want to mention specific charities? [...]

I know, I know..
Sometimes I think Twitter steals energy away from blogging. I just did my 1000th tweet a few days ago. I’ll try to write something soon, but it’s been busy for the last few days. At least my cat Emmy has helped me catch up on my newspaper reading:

Google News

Palin takes on news media again - USA Today

Gay Wired

Palin takes on news media again
USA Today - 21 hours ago
The news media didn't treat her fairly, John McCain's presidential aides didn't make smart decisions (particularly when they pushed her to do additional ...
Palin Rips Into Media Coverage Of Her Campaign CBS News
Sarah Palin on the media: 'Compare my treatment to Caroline Kennedy's' Atlanta Journal Constitution
Palin: Caroline Kennedy Gets Free Pass From Media Huffington Post
Washington Times - Michigan Messenger
all 341 news articles

Sun-Times Media Group to close 12 suburban papers - Chicago Tribune

Sun-Times Media Group to close 12 suburban papers
Chicago Tribune, United States - 12 hours ago
AP CHICAGO - Sun-Times Media Group Inc. plans to close 12 weekly newspapers in suburban Chicago and has asked its union employees to take a cut in ...
Sun-Times Media Group Closing 12 Suburban Newspapers Chicago Public Radio
Sun-Times Media closing a dozen suburban papers Crain's Chicago Business
Sun-Times Media folding 12 suburban papers Chicago Breaking News - Tribune
Reuters - Munster Times
all 78 news articles

Israel keeps tight leash on media - Los Angeles Times

Times Online

Israel keeps tight leash on media
Los Angeles Times, CA - 5 hours ago
Hamas media efforts are primitive in comparison. With its leaders in hiding and without the technical sophistication of the Israeli operation, the militant ...
Video: Rockets were fired from Lebanon into Israel france24english
Will Media Ignore Pro-Israel Rallies? FOXNews
Children In Gaza Used As Weapons Of Media Distortion Post Chronicle
Gawker - Aljazeera.net
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Sling Media Introduces SlingGuide: Redefining Search and Discovery ... - CNNMoney.com

Sling Media Introduces SlingGuide: Redefining Search and Discovery ...
CNNMoney.com - Jan 8, 2009
Sling Media will make SlingGuide available to DISH Network customers in spring of 2009. A limited beta of SlingGuide is already under way. ...
Dish Network unveils recordable HD device Bizjournals.com
Dish Network Thinks Inside the Slingbox TechNewsWorld
SlingGuide beta to offer Web-based control and viewing of EchoStar DVR BetaNews
San Francisco Chronicle - PC Magazine
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Media moonlighting plagued by conflicts of interest - Atlanta Journal Constitution

CharlotteObserver.com

Media moonlighting plagued by conflicts of interest
Atlanta Journal Constitution,  USA - 9 hours ago
That may say something about the respect for Abrams and his collaborator, ex-Huffington Post media writer Rachel Sklar, among commentators who might ...
Survey: Reporters dropped ball covering meltdown The Associated Press
US: Did the media "drop the ball" on coverage of the financial crisis? editorsweblog.org
Journalists Tell Dan Abrams They Fell Short on Crisis Coverage U.S. News & World Report
The Associated Press
all 145 news articles

NY Times Business

Unemployment Hits 7.2%, 16-Year High
December’s job losses brought the total for 2008 to 2.6 million, and a rapidly deteriorating economy promised more in the months ahead.


Wall Street Slides After Jobs Report
Investors were proceeding cautiously after a report that the economy lost fewer jobs in December than feared.


Korean Carmaker Seeks Receivership
Ssangyong Motor Company, the smallest of the five South Korean auto makers, filed for receivership in a bid to stave off collapse.


Nationwide Inquiry on Bids for Municipal Bonds
The authorities have been investigating what appears to be collusion in the multibillion-dollar municipal bonds market.


Citi Reaches Deal With Lawmakers on Home Loans
Under the plan, bankruptcy judges will be allowed to alter home loans in an effort to prevent foreclosures.


Yahoo Search Engine News

Jobless rate at 16-year high as payrolls plunge (Reuters)

Employers slashed payrolls by 524,000 in December, driving the unemployment rate to its highest level in almost 16 years, a government report showed on Friday, suggesting that the year-long recession was deepening. (Graphic/Reuters)Reuters - The unemployment rate surged to its highest level in nearly 16 years in December as a deepening economic slump forced companies to slash payrolls by more than half a million jobs.



Wall Street falls on job woes and energy (Reuters)

Traders work on the floor of the New York Stock Exchange in New York January 2, 2009. (Lucas Jackson/Reuters)Reuters - Stocks fell at the open on Friday as sign of further deterioration in the labor market fueled concerns that the recession is deepening.



Best Buy narrows full-year profit forecast (Reuters)
Reuters - Best Buy Co , the top consumer electronics retailer, narrowed its full-year profit forecast on Friday after posting a 6.5 percent drop in December same-store sales during the worst U.S. holiday shopping season in nearly 40 years.

Lehman deal on private equity close: source (Reuters)

The Lehman Brothers booth on the trading floor of the New York Stock Exchange, September 16, 2008. (Brendan McDermid/Reuters)Reuters - Lehman Brothers Holdings Inc has reached an agreement in principle to sell its merchant banking business, made up of two private equity funds, to management of the funds, a source familiar with the situation said on Thursday.



UBS closing U.S. clients' offshore accounts (Reuters)
Reuters - Swiss wealth manager UBS AG is closing all the offshore accounts of its U.S. clients, the bank said on Friday, as it comes under pressure from U.S. tax authorities.

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