Forum Marketing

Rick Zepeda- Find out what I learned at:
http://www.marketingtoolstore.com/
http://www.success777.marketingmerge.com/

Forums and also forum marketing is extremely popular and getting even more popular. Websurfers have found out that meeting other people under mutual topic is useful, there is no filter between.

So it is fun, useful and a great way to get useful tips, traffic and incoming links to home business website.

1.The basic idea of the forum is to give and get useful information and motivation for our own businesses. All of us, who market an internet business understand how huge amount of tips it is needed to keep the business competitive. Forum marketing offers the best kind of tips, because they all are tested in praxis by approximately the same kind of people.

2. People, who post their experiences and ideas or ask questions, are highly motivated and eager to do better, all the time. This is important, because the attitude is, what makes the world goes around. This is why they spend so much time and energy here.

3.Some of the forums are extremely popular, among the most visited websites in the world. Think about the amount of marketers, who join these discussions and what an enormous opportunity that offers!

4.Forum marketing is one strategy, which works well if a participant honestly and actively asks and shares information. Forum is not an advertising media. That is a society, where members help members and that is the most effective way for all of us.

We all have the same target: to succeed better in our businesses by getting tips and advices. Ads we can see by surfing all over internet. We can use our sig files to get the reader a possibility to visit our site, if he will.

5.One strong benefit of forum marketing is, that an authority forum is the only place, where we can meet real internet gurus, marketers, who have succeeded extremely well in their businesses. Because those businesses are very similar to ours, we can ask and read their tips about various kind of topics.

Or read the posts of a certain successful marketer over a long period of time to be able to understand how he runs his business, how he reacts to certain changes in the market, how he comments to some other members tips.
And this all is in our use day and night and almost in real time!

6.And more: with forum marketing we can build useful relationships with so many good marketers, build alliances and send private messages.

7.On the top of all above mentioned things, forum marketing builds useful backlinks and bring steady flow of visitors. These links and visitors are hot. They are so targeted than a visitor can be.

8.Forum marketing offers one thing, that no other methot can offer. You can build credibility or trust, become a brand name among internet marketers. But you have to plan your every single post, because there is always a danger, that with bad posts you actually build an anti-brand.

9. And the last benefit is that a writer must search engine optimize the posts with the right keyphrases to be able to raise high in search engines search results.

When the posts are well planned, it is possible to build an image with these posts, which is unique. That image is very important, because that attracts the target group or dig the right kind of visitors to you. That image also builds the credibility, which is needed in the long term.

Blog Marketing Tips

Rick Zepeda- Find out what I learned at:
http://www.marketingtoolstore.com/
http://www.success777.marketingmerge.com/

Make sure that your blog is set to ping. If you’re using a WordPress blog you will find this in your admin section: Go to Options and then Writing. Make sure that you have some blog search engines in the Update Services box at the bottom. The ones I’m using are:

http://pingoat.com
http://pingqueue.com
http://ping.feedburner.com
http://www.bloglines.com
http://blogsearch.google.com
http://pingomatic.com/

Use Technorati tags Getting into more categories in Technorati and other blog search engines will get you more links from them, exposing you to other bloggers and webmasters that can link to you.

About the Author:
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http://www.marketingtoolstore.com/
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Voice Broadcasting

Rick Zepeda- Find out what I learned at:
http://www.marketingtoolstore.com/
http://www.success777.marketingmerge.com/

Every type of business is best suited for different type of lead
generation. For many businesses such as real estate agents,
college loan refinancing lenders, landscaping companies, and
more, cold calling is undeniably effective. No matter how many
business owners and self employed people cringe at the thought
of making cold calls, they work incredibly well in generating
leads.

Sidestepping the hassle of cold calling

A little known and highly effective solution to the many hurdles
of cold calling is voice broadcasting. Voice broadcasting allows
you to prerecord a message that will be delivered to your
targeted call list through a completely automated process.
Sending your marketing message through voice broadcasting
eliminates the discomfort of a cold call while still achieving
the same highly effective results.

Lead generation is a numbers game

Even for those who enjoy reaching out to new customers, cold
calling is incredibly time consuming. Generating leads is a
numbers game: the more you reach out, the more leads you will
make. Using voice broadcasting, you can set aggressive business
goals without hiring an army of people to generate qualified
leads.

Set new leads goals based on your call success ratio

If your goal is to generate 50 new sales leads per week and you
know that you have a call success rate of 1 in 30, you can
consistently reach your goals. Simply multiply the 50 leads you
desire by the 30 calls it takes to gain one lead (50x30=1500
calls) and let your automated voice broadcasting message do the
work.

Creating an effective voice broadcasting campaign

Your success ratio depends on the quality of your voice
broadcast. When creating your voice broadcasting message, keep
these tips and ideas in mind:

? Sound natural: The key to a voice broadcast is to engage the
caller immediately and this is best done by using a natural
phone voice. When a recipient thinks they've received a faceless
automated machine, they have a tendency to tune out. When people
sense sincerity in the voice and message, they tend to listen.

? Introduce yourself: Give your name at in the first line of the
call to further personalize the experience.

? Speak in terms of customer benefits: When creating your
message, speak in terms of how the recipient will directly
benefit from your product or service. For example, instead of
saying "our current home loans rates are 5.2%," try "the average
Californian saves over $7,000 per year by switching to our low
interest home loan."

? Get right to the point: State the benefit to customer very
early on in the call. The sooner they understand how they will
benefit, the more open they will be to your message.

? Entice the customer to find out more: Don't reveal everything
in your voice broadcast message. Instead, entice prospects with
the most interesting and beneficial points and encourage them to
take an action to find out more. Encouraging a prospect to make
the next move is a critical step in turning a prospect into a
client.

? Include a call to action: Decide on the precise action you
want the caller to take after hearing your message and ask them
to take the action throughout and/or at the end of the call. The
action may be to call your direct line within the next 24 hours
or fill out a form on your website.

For those who have never tried cold calling because of fear,
doubt, or time constraints, voice broadcasting is the solution
for eliminating all of cold callings most unattractive points
while still reaping the full lead generating potential. The cost
of a voice broadcast is miniscule compared with the cost of live
personnel, but can achieve the results of an unlimited sized
call center. By using these few tips and ideas, you can easily
build a marketing campaign to drastically boost your sales
leads.

RSS and Making Money With It

Rick Zepeda- Find out what I learned at:
http://www.marketingtoolstore.com
http://www.success777.marketingmerge.com

RSS opens a new gateway to ever-flooding effective business strategies, never
existed before, and creates a new dimension in the way you reach out to the
public. When you, as a marketer/ businessman/company, decide to promote your
business through the marketing strategies of Internet, try to take the maximum
advantage of this interactive medium. When your website does not engage
visitors, then your web-based promotional efforts have been crippled. What are
the means to attract visitors to your website, when there exists a million
dollar question – whose website to visit? Given innumerable choices, just think
of the visitor’s plight to decide which one and whether he wishes to really come
back after his first visit.

RSS has a lot of advantages over the other existing methods, to turn it into the
most sought-after, powerful, influential tool, which will take over the Internet
world very soon, if understood fully and properly. It is basically a
‘push-based’ communication method, which can be published and subscribed to
easily. It can be explained as a file containing the latest information and
accessed by subscribers who are interested.

Consider a website as a real-world conversation. We need to adopt the same
things just like while trying to sell our product to a sales prospect in person.
RSS has wonderful features, which embody the techniques of conversational
marketing in a very flexible way. Don’t you go through the following while
reaching out to the visitors? Glance through and see how RSS helps:

• First, you decide your goal and try to analyze what kind of audience your
website can get.

• What do the visitors get on visiting your website? Interview customers for
their feedback, do a research and make changes to your website accordingly. The
last part can be done very easily done using RSS feeds (which we will see in
detail in the later chapters).

• The look of your website is very important. RSS has made it very easy to
understand, see and feel your message for the visitors by mixing video and audio
channels to your contents. Also, keep in mind that not only is it enough to have
a good website but an appropriate one to your business also, to catch your
visitor’s eye.

• Make your website work well in all the browsers. Your website is open to a
variety of visitors who can prefer browsers of their choices. RSS is a
convenient way since it works on all platforms. Most of the browsers may not
face hurdles accessing RSS.

• Your website is the gold mine of information on how the public respond to what
you say. RSS provides an unbelievable platform to discuss the views of the
public without wasting time. Instead, you can spend your time on crafting
quality contents. RSS has got many special features such as dialog facilitators,
RSS radars, and automatic responders to enhance the significance of
conversational marketing.

• You can collect a lot of information such as the number of subscribers, their
interests, their reading frequency, the topics they are more interested in etc
using RSS feeds. These are definitely going to be vital for improving your
standards of business.

• Your search engine ranking reflects how good your website is! RSS increases
the search engine ranking remarkably and well, again helps develop your
business.

And do not think it’s a super-techie thing that you cannot use! Once you are
familiar with the tool, you are open to the amazing world of RSS and one day,
sure to find yourself hooked to it! Its going to be the beginning of an
unbelievable era, exploring deeper and deeper the many faces of RSS and of
course, the web world, through it! Though it can’t be an all-out replacement for
other technologies, it can be a standard to optimize your Internet experience.

Why SEO Is The Ultimate Online Marketing Tool

Rick Zepeda- Find out what I learned at:
http://www.marketingtoolstore.com/
http://www.success777.marketingmerge.com/

Conventional advertising has not worked out too well online, at least it has not been as effective as SEO (Search engine optimization) techniques in getting traffic and revenue for web sites.

In the early days of the World Wide Web, there were spirited efforts to transfer many advertising campaigns from Television to the web. They all failed miserably and investors lost millions of dollars. Even today, the more effective online ads are not display or banner advertisements but ugly small text PPC (Pay-Per-Click ads) from major search engines like Google. This tells you a lot about what sort of medium the net is. The fact is that folks are looking for information and they greatly value and welcome relevance in what they are looking for.

When you contrast this with the success of SEO as an online marketing tool, there is actually very little or no comparison. SEO has been wildly successful in helping numerous sites draw huge traffic. Over 80 per cent of the traffic in web sites still originates from search engines. And what makes his traffic even more valuable to web sites is the fact that it is highly targeted and usually with an immediate and direct interest in what the particular site has to offer based on the key words used in the search.

When you consider the fact that there are many SEO techniques that cost a fraction of what advertising would normally cost, then you begin to understand what it is that makes most web masters consider SEO to be the ultimate online marketing tool. And it gets even better, because from paying less, web masters are still able to pull in hundreds and even thousands of times more traffic from SEO campaigns than from any advertising effort.

Online success is really very simple when you approach it from the direction of effective SEO use as your ultimate marketing tool. You do not even need to take the time it takes to learn enough about the technicalities of SEO. All you need to do is get a good SEO firm to do everything for you at a fee.

Links Increase Your Search Engine Ranking

Rick Zepeda- Find out what I learned at:
http://www.marketingtoolstore.com/
http://www.success777.marketingmerge.com/

Linking Strategies - It's a fact that inbound links contribute heavily to your site's ranking in the search engine and that some links are worth way more than others. Here are seven of the best linking strategies to pursue.
Technorati tags - Add a widget to your blog that automatically creates Technorati tags for your posts. That means that you automatically get high-quality links to every blog post you make. Plus, this link strategy gives you one-way links that are relevant, on-topic, and keyword rich.
Social bookmarking - Add a widget to your blog and your website pages that allows users to easily bookmark your content at any of the wildly popular social bookmarking sites. AddThis is a great free tool that accomplishes this linking strategy while using minimal site real estate.
Directory submissions - Use a low-cost overseas service to submit your site to 1,000 SEO friendly directories. Directory Maximizer will submit five variations of your site title and description for $0.14 per directory. That's money well spent because it leaves you free to focus on content creation while gaining 1,000 one-way links.
RSS feeds - Submit your blog to all the popular feed directories. Be sure to include easy to spot RSS feed buttons on your blog so you can quickly add subscribers. You can also create an RSS feed for your website that creates traffic to your newest pages. This linking strategy gets high-quality links with keyword anchor text.
Forum posts - Search for and signup in forums related to your niche. Post helpful answers to questions and topics of interest. Add a signature file to your profile in any forum where you post to create keyword rich anchor text links back to your site from each post.
Blog comments - Comment blogs on topics related to your site. Be sure to include a link back to your site. If the comment allows a link to the username field, then pick a username that is keyword rich.
Automated tools - There are several high-quality tools which will automate many of these linking strategies. Information about them is below.
Tip: Get links to interior pages of your site, not just the home page.

Online Marketing Resources

Online Marketing ResourcesCompiled here is one of the most comprehensive online marketing resource lists available. If you want to drive hundreds, or thousands, of interested customers to your website -- this page gives you the information you need! Telebay has used many of these programs in our own marketing endeavors and have profited as a result. Now we are sharing this information with you! Although there may be some listed here we have not tried, by examining their content, we felt they were worthy of inclusion.Some popular marketing sites were not included on this list because we have found them to be fraudulent. When considering options not on this list, be very careful and discerning... in fact, even when considering options on this list, you should still be diligent to understand the program fully before undertaking your campaign!Resources have been divided into the following categories (though there may be some crossover):
• Large Cost-Per-Click Programs (CPC) - Ever wonder how some websites show up at the very top of a search, while your website is nowhere to be found? This is why! These programs feed search results into the leading search engines (such as Google, Yahoo!, MSN and more). Many of these sites function like an auction -- you bid on the keyword or phrase (such as "unlimited long distance") and if you bid high enough, whenever users search the web using that keyword or phrase, your ad will show at the top of the search results. You only pay if your ad catches the searcher's eye and he clicks on it (at that point, whatever you pay will be deducted from your advertising budget). BidClix and BCentral work a little different, but same concept: you only pay for clicks. • Medium Sized CPC Programs - Whereas the first group reaches the largest web audience, it can also be more costly than the medium sized CPC programs. Though we would recommend the first group over this one, it is still a good way to generate traffic.
• Smaller CPC Programs - These CPC programs are usually cheap. Sometimes the traffic you get is good, sometimes it's not. You get what you pay for. These are definitely worth a try, but monitor your results closely!
• Agencies/Marketing Firms for Larger Budgets - If you'd like to generate a ton of traffic with the smallest use of your own time, you may want to check these companies out. They will be more expensive, but probably worth it!
• Emails/Newsletters/Networks, etc. - Be included in legitimate email newsletter campaigns and pay for clicks to your site. You may also run banner ads throughout a network of websites. Will work with smaller budgets, as well.
• Paid Directory Listings - To show up in some website search results, you have to pay to be listed in their directory. Fortunately, these directories feed several search engines results. Position Technologies is among the best for these type submissions. This is not a CPC model. Once you are in these directories, you are in for 1 year. You don't get as much traffic generally, but enough over the course of a year to make it worth your while!
• Search Engine Submission - While most search engines use a directory, many also have their own directories from which they pull their search results. Submit Fire is one of the best. For a small price they will submit (and re-submit) your site to 3000 search engines! Again, this is not a CPC campaign.
• FREE Direct Submissions - You can manually submit your site to some search engines. Google and AltaVista are the notable choices we've listed for you.
• Low Cost Advertising Options - Good options for small budgets!
• FREE Online Marketing Options - They're free, why not? Some terms you may need to know:
• CPC - means that you pay only when someone CLICKS on your ad. Thus, it only COSTS PER CLICK.
• PPC - same as CPC. PAY PER CLICK.
• CPM - indicates what you will pay per 1000 (etc.) impressions of your ad. In other words, you don't pay for clicks, but for the fact that your site simply appears. Most common with banner advertising. Types of advertising we do not recommend:
• Pop-Up Ads - Some companies will promise you a million visitors, but 99 times out of a hundred it is a waste of money. It annoys consumers... most of the time people have pop-up blockers anyway. Also, so many of these companies are outright frauds.
• SPAM - Strictly forbidden! Sending out email to people who have not asked for it is unsolicited; therefore, it is SPAM. If we verify that you are using this illegal method of advertising your Telebay businesscom, we will have to terminate your Rep status.
Largest Cost-Per-Click Programs: Get a $10 Credit toward your CPC Campaign - Overture puts you where customers are looking--in the search results on leading sites like Yahoo!, MSN, Alta Vista and Lycos--enabling sites to reach over 80% of active Internet users. Put your site directly in front of customers searching for what you're selling.

Google AdWords - More than 200 million times a day, people use Google and its partner sites to find what they're looking for. Make sure they find what you're selling. You create your own ads, choose keywords and pay only when someone clicks on them. AdWords also provides search results for top partners like: America Online, Earthlink and AskJeeves. AdVariant's easy-to-use interface and targeting capability make it an ideal tool for you to find new customers. No technical or graphics experience is required. Create ads, target your audience and start seeing results in minutes. Have your ads run on: AOL, Weather Channel, Washington Post, Chicago Tribune, iWon, TimeWarner Cable and much more!

BidClix is designed to provide you with the best click-through rates - by showing the right ad to the right audience. Plus, you can even adjust the CPC price of your bid and change your ad copy at any time during your campaign. BidClix ads cover a wide-spectrum of websites, such as the DrudgeReport and much more! Lycos lycos AdBuyer - With Lycos lycos AdBuyer, search results are ranked based upon an open bidding system, where each advertiser can bid a higher click-through fee in order for their message to be closer to the top of the search results. Advertisers are only charged for the actual clicks, or traffic, which come to their site. Microsoft bCentral Banner Ad Program - Take the guesswork out of banner advertising. With guaranteed advertising on the Banner Network you know the effectiveness of the campaign before you purchase. Reach over 60% of the Internet! Choose the right package to suit your budget. Pay only for click-thru's. Medium Sized Cost-Per-Click Programs:

FindWhat - provides the optimal mix of price, reach, effectiveness, and ease-of-use to make it a must use for any PPC campaign*. You will not only get highly qualified traffic driven to your website, you will be making the most of your advertising dollar with industry-leading returns on your investment. Mamma.com - The Mother of All Search Engines is among the top metasearch sites on the Internet and a one-stop-shop for all of your marketing needs. From paid search results, to banner and pop advertising, to sponsorship opportunities, Kanoodle's search results are incorporated by more than 10,000 search-enabled websites including CNET, Ixquick.com, Mamma.com, Netzero and Galaxy.com, the Internet's first searchable directory. Kanoodle currently places their clients' products and services in front of 450 million searches monthly. Business.com – Offers 3 different options: Pay Per Click on Business.com, Listings appear throughout Business.com's distribution network (Business.com sites such as FastCompany, BusinessWeek, Inc.com, c/net, Internet.com and more), as well as Standard Listing. Highly recommended for marketing Z-LineBusiness Simplicity! DirectClicks™ -- Clients pay on a 'per click' basis. Prices start at $.10 per category-specific click to your site. Minimum purchase is $250.00 and you can allocate your funds toward as many campaigns as you wish. This is a good place to test a campaign through the network of category specific affiliates. Uses FraudMeter Technology, detailed tracking, and the ability to turn affiliates on or off. Smaller Cost-Per-Click Programs:

Enhance Interactive - Enhance Interactive's paid search listings connect thousands of advertisers with millions of potential customers. With our reasonable costs and personal service, we provide you with a strong platform to begin or augment your search engine marketing efforts. BrainFox - BrainFox now distributes to thousands of top web sites, increasing your exposure at a rate of only $0.01 per click.

EPilot - The ePilot network provides affordable, quality, cost-per-click advertising solutions, exposing you to over 2 billion searches per quarter on over 100 search partner sites. GoClick - You can promote your site to thousands of potential customers for as little as 1 cent per click (just a $10 initial investment). We reach over 4,000,000 people a month with over 250 million searches and have over 20,000 advertisers! Search123 - Search123 pricing is based purely on performance. Pay your bid amount only when qualified users click on your site listings. Use our free account management services to optimize your ROI and continually improve your performance.

Searchfeed.com – a leader in contextual marketing, helps online advertisers attract targeted visitors while offering leading Web properties a greater opportunity to monetize Internet traffic. As an alternative to traditional forms of advertising, innovative search technology and content channels drive millions of advertiser introductions each month.

Bclick.com is a results based banner advertising network. Our advertisers pay a set amount per click received, and our hosts earn a set amount per click generated. We provide a win-win situation for all involved. Our network is particularly aware of the needs of hosts, providing access to technical support on an unprecedented scale. Agencies/Marketing Firms for Larger Budgets

ValueClick Media - has partnered with more than 6,000 quality media properties to provide marketers and agencies with access to one of the largest and most reputable online advertising networks. With a single buy, marketers can reach their target audience across major portals, top vertical content sites and niche content sites using a variety of ad units and any of 17 standard channels or by creating custom channels of select properties.

Fastclick.com - The Fastclick online advertising network combines the latest innovations in businesscom and technology empowering advertisers of all sizes and budgets to achieve brand awareness, lead generation and sales. Quality publishers, technology, account management and results are the driving force of our Advertiser network. Emails/Newsletters/Networks, etc.

DirectNewsletters™ -- is a pay per click or pay per impression service. Cost starts at $.10 per click or $1.00 CPM. You can set your own cost per click and present it to the publishing affiliates. You have a full interface to control which publishers carry your ads and which do not. $250.00 minimum buy on a CPM or CPC basis. Represents over 300 publications broken down into 43 categories with over 2 million readers.

Everyone.net -- Advertising on sites like AOL and Yahoo! limits your reach to only about 60% of the US online population. Instead of reaching the same audience over and over again, why not expand your media plan to tap into the remaining 40% who are new and unique? Everyone.net powers Internet applications for over 100,000 Web sites reaching millions of users who venture beyond the confines of traditional portals. Focus In – Your campaign will be delivered on a network of over 5,500 specialty websites, categorized into 14 content channels. This ensures your brand will reside on quality sites, directed to visitors interested in your message. Paid Directory Listings: Position Technologies is the leading provider of search traffic solutions. Through our partnerships with the leading search engines and value-added services, Position Technologies provides a unique platform for businesscomes to manage their search engine visibility and traffic.

• Provides submission into the following important databases:
• By being in the Ask Jeeves database, your site is fed to the following engines: Ask.com Teoma MetaCrawlerMySearch.com Excite MyWay.comixquick Mamma.com HotBotand more...
• Being in the Inktomi data base, your site will be listed here:
• By being in the FAST database, your site is fed to the following engines:

Paid Search Engine Submissions: SubmitFire - SubmitFire.com submits to over 3000 Search Engines and Directories and has E-mail reporting with an Awesome Website Control Panel.Here is what you will be offering your visitors:> Submission to over 3000 Search Engines and Directories> Monthly Re-Submissions with Email Reporting for One Year> Personal Control Panel for Stats & Analysis of your Website> Search Engine Simulator and in-Depth Web Page Analyzer> Track Search Engine Rankings & your Internet Link Popularity> Compare your Website to your Competitors & more. Free Direct Submissions: Google - It is a must for every website to be listed in Google. Listing can take as long as 8 weeks. Google also feeds search results for Yahoo. An important note: to rank better with Google, get others who have websites to link to you. Called Link Popularity, the more links from websites you have, the better your odds of linking at the top of searches! AltaVista – 3 type of inclusion: Free (up to 8 weeks or even more), Paid (48 hours or less), Trusted Feed (cpc – for bigger budgets):

• Free Submission
• Paid -- AltaVista has partnered with infoSpider to bring you AltaVista's Express Inclusion service. Express Inclusion allows you to rapidly insert and frequently update your pages in the global database that powers AltaVista's search results.

• Trusted Feed -- AltaVista's Trusted Feed program allows partners to significantly improve their presence on AltaVista Search. Partners can determine which pages are included in the database that powers AltaVista's web search, and they can specify detailed page information including titles, descriptions and keywords. These elements are used to determine how the pages are ranked on the search result pages, as well as how the page listing appears.
Low Cost Online Marketing Options: Adminder DropIn Ads -- This "rich media" service from AdMinder offers you a package of drop-in ads that float over the content of web pages in their network and promote your site. They are more visible than conventional banners and less intrusive than pop-ups. BigHits.net - Provides some of the most effective and cost effective advertising on the Web. Enjoy guaranteed traffic to your site every day with a Cost per Visitor as low as $0.0045 each. Leading edge technology that will immediately increase your web site traffic by 50%. Free Online Marketing Options: Traffic Swarm -- A fully automated traffic-generation system that can send 1000s of targeted prospects to your website, every single day, for FREE! It takes just 5 minutes to set it up, and it's totally "viral" ... Create a FREE account. 1WorldLine -- A large group of people who team together to grow traffic to their websites.

Business Loans as fast as 24 Hours

We are NOT affiliated with ANY of the following lending institutions and neither are they with us.

Use these links and information to get loans for yourself or your small business.

For information regarding the explanation of "Pay Day Loans" / "Cash Advance Loans" feel free to go here:
http://www.credit.com/credit_information/credit_law/The-Truth-About-Payday-Loans.jsp

Remember that you don't have to accept or take the loan of the first lending institution that approves you (whichever that may be). You may want to look for a " second opinion".
Just because one lender gave you their quote DOES NOT MEAN that another lender may not be able to offer you a better quote.

Also keep in mind that should you be denied from a lender for the amount of the loan you are trying to obtain you can always ASK the lender (if possible) would you be approved for a smaller amount.

For example, you may be hoping to get approved for a $3500 loan (or whatever the amount) and may get denied for that particular amount, sometimes you will get told what amount you are able to be approved for and sometimes not. If it is the latter, simply ask them if you could be approved for a lesser amount and if so, ask for how much. It is probable that you will get approved for an amount that is acceptable for you... but again, you have to ask.

It is also proper to bring to your notice that having too MANY lenders pull your credit report to review (MANY of these lenders do not require a credit check) can put "blemishes" on your credit report.

Below is a list of more than enough lenders as well as actual quotes taken from their individual websites regarding the nature of the loans and conditions to meet with approval. Feel free to review their statements, as these sources should be able to make possible a loan approval for just about ANYONE.


SUGGESTION: If you ARE a HOME OWNER you may wish to try the # 3 and or # 4 selection (Money NOW! USA and American General). You can of course try utilizing ANY of the sources listed (or none at all).



#1) Prosper.com (HIGHLY RECOMMENDED!!!)
https://www.prosper.com/
(be sure to read their FAQ section to familiarize yourself with this fantastic lending group)


Prosper is a peer to peer and or people to people lending group.
Prosper is a marketplace for credit that enables people to lend money to other people in a safe, efficient manner. Prosper is a leap back to a time when people formed credit communities to help themselves live better lives and earn a fair return on their money. Prosper's founding principle is that people from close communities act more responsibly towards each other. Prosper leverages this powerful concept of group responsibility and applies it to person-to-person lending�resulting in better interest rates for people that borrow and lend.

Prosper enables people to create groups, which borrowers join to request loans up to $25,000 by posting listings indicating the maximum interest rate they wish to pay. Lenders search for and select these listings based on the borrower's credit, debt profile, and group affiliation * . Lenders bid on listings by indicating a minimum rate they are willing to accept. When a loan is matched between borrower and lender, Prosper handles all of the tasks needed for payment and collection of the loan.

A Prosper borrower is any person who is a U.S. resident with a credit score of at least 520, a bank account, and a social security number. After passing Prosper's anti-fraud and identity checks, borrowers can request unsecured loans from $1,000 to $25,000 at rates they select. Borrowers should join a group to ensure they get access to the best rates. Prosper allows borrowers to post listings on the platform regardless of their credit or income . All loans provided are UNSECURED and the borrower is given 3 YEARS to pay the loan back with NO pre-payment penalties.

*NOTE: The Prosper Group known as FIRST CHOICE is in our opinion THE ABSOLUTE BEST group to join. However, you may join any group that you so choose. Keep in mind that joining a group with a good to great overall group reputation will extremely increase your chances at getting funded rather than NOT joining a group . Again, the Prosper Group known as FIRST CHOICE is in our opinion THE ABSOLUTE BEST group to join.
How To Join the FIRST CHOICE group on Prosper.com

a) Before you can join the FIRST CHOICE group (or any group for that matter), you must FIRST actually become a registered member of Prosper . To do so, simply go to Prosper's HOME page and CLICK on the red "Join Now" button on the right hand side of the webpage, fill in your information then CLICK Join Now.

b) You will soon thereafter receive a registration confirmation request email sent to you.

c) Confirm your registration.

d) After you have confirmed your registration, log in to Prosper.com. Underneath the red "Join Now" button it reads "Already a member? Sign in now", CLICK that and sign in using your email address and password you selected.

e) Once signed in, CLICK on the tab that reads " Groups" toward the top of the page (found between the tabs "Lend" and "Your Account"). Next, on the left hand side where it reads " Search Groups", type the word " first" in the "Keywords:" field and CLICK "Search".

f) In the Search Results field click on "FIRST CHOICE" (it doesn't matter if you click on the one that reads FIRST CHOICE or FIRST CHOICE 2 ).

g) Scroll down and read their ENTIRE Description (you will notice they state that "When you are accepted to this group you will receive detailed copyrighted listing guidelines to help maximize your chances for success"). Follow the instructions in their Description to Join their group .

h) Once you join the FIRST CHOICE group you wil shortly thereafter receive a email message informing you that your group membership was approved, shortly followed by another email message containing the FIRST CHOICE Borrowers Guidelines which is copywrited by the two founders of the group to guide you on how to post your request for a loan in such a way that your chances for getting funded will be VERY HIGH.
# 2) Personal Credit Services
http://www.cashcall.com
https://www.personalcreditservices.com

Personal Credit Services, Inc. state they have been helping people since 1998. They state they are incorporated in the State of New York and are a member of the United States Chamber of Commerce. They state they have provided their service to literally THOUSANDS of customers over the last 8 years. They state that typical approval amounts can be between $4,000 and $10,000, but the amount can be higher as well.

Personal Credit Services state they can help people in 49 states. They state their service is Not available in North Dakota.

# 3) Money Now! USA
www.bestpersonaloans.com

This source has a loan calculator that you can use on the right hand side of the page when you get to the website. On the left hand side of the page you want to click the second link/bubble from the top that reads "Personal Loans". Read the next page and then click APPLY NOW (if you have good credit then click the link below that which should say CLICK HERE).

They typically look for 4 YEARS to pay the loan back with no payments due for one month.

The loan is usually provided within 24-72 hours and would be a UNSECURED PERSONAL LOAN WITH NO COLLATERAL REQUIREMENT .

Bad credit is okay and they provide personal loans for $1001 - $15,000.

# 4) American General Finance: (800) 435-6285
www.agfinance.com

# 5) Payday Loans
http://www.payday-loans123.com/

Payday Loans state they are available 24/7. They state they are the fastest way to obtain a secure, online cash advance. You simply fill out their online loan application and you can have your cash advance tomorrow.

No Credit Checks! Borrow up to $1,500! No Faxing Required!
Easier Than Ever! 98% Approval Rate!

Good credit, bad credit or no credit, they state you can qualify for a payday loan today. With them your job is your credit . They state that individuals don't have to let past credit problems keep them from getting the money they need, and they don't have to wait until payday. They state that the application process takes only 3 minutes and that anyone can qualify!
No more lines. No more inconvenience. They state that you've found your new payday loan home. They also state that it's a great way to get a boost of cash to tie you over to your next paycheck.

For Individuals in Other Countries OUTSIDE the USA Wanting to use O .P.M Sources:

The third selection (Money Now! USA) is a good source, however, on the chance that they don't service your particular country , simply go to any major search engine (ie. YAHOO, GOOGLE, MSN...etc) and do a search for either "Personal Loans", " Bad Credit Personal Loans", "Pay Day Loans", "Cash Advance Loans" or "Guaranteed Loans" according to your particular country .

For example, if you reside in the UK and you wanted to search for a personal loan, you would do a search for " UK Personal Loan". If you reside in Canada you would do a search for "Canada Personal Loan"...etc.

Web 2.0 The Machine is Using Us

This is an very well done video on web2.0. However, it is now much bigger than that. Everday it seems like some software programmer writes a new program for another short cut to better social automation. Enjoy.

10 Ways to Link Popularity

Top 10 ways to link popularity
Link popularity has become an important factor in the ranking algorithms of most search engines. If many quality Web sites link to your site, you'll have a good position in the search engines.
There are a number of ways to improve the link popularity of your Web site. Here's the first half of our top 10 list on how to improve your link popularity:
10. Cross-link your sites
An easy way to improve your link popularity is to add a link from your own popular Web site to a less popular site of your own.
However, it's very important that one site is not only a duplicate of the other and that both sites are related to each other. For example, CheckYourLinkPopularity.com links to Axandra.com and vice versa. Both sites are different but they offer related content.
9. Give testimonials
Everyone has some favorite software tools and utilities. Contact the publishers or developers and explain why you like their software programs. Some of them will request a permission to display your testimonial on their Web site, along with a link to your site.
You can also contact Web sites that don't offer software programs but interesting articles. Just make sure that you really stand behind what you say as it can backfire to you if you recommend bad products.
8. Awards for you and other sites
You can submit your Web site to sites who offer awards. If they reward you their award, then they'll probably link to your site. Just search Google for "awards directory your-keyword" (replace "your-keyword" with a keyword that is important to your business).
You can also offer an award for other Web sites. Submit your awards page to the above-mentioned awards directories to make it popular. The Web sites who receive your award will link back to your site.
7. Participate in newsgroups and discussion forums
When you post to newsgroups and discussion forums, add a signature file with a link to your Web site.
An easy way to post messages in newsgroups is to create a Google account and to post via their Web interface:http://groups.google.com/
To find good discussion forums, just search Google for "forums directory your-keyword". For example, if you want to participate in a marketing forum, search Google for "forums directory marketing".
6. Provide a link directory
Offer a link directory on your Web site which links to quality Web sites with a similar topic. Your visitors will appreciate such a resource and you'll provide incentive for other sites to link to your site.
You can add a "link to us" page to your Web site on which you promise to add other complementary sites to your link directory if they link back to you first.
ARELIS, the professional reciprocal links management software, can help you to create and maintain a link directory (among many other useful things). It also checks if other Web sites remove their link to you.
More information about the reciprocal links management program can be found here: http://www.Axandra.com/arelis/index.htm
5. List your Web site with Yahoo
If you have a business Web site, you might want to pay US$299 yearly to Yahoo to have your Web site listed:http://docs.yahoo.com/info/suggest/busexpress.html
If you have a non-business site, you can submit to Yahoo without paying: http://docs.yahoo.com/info/suggest/
Is it still worth to submit to Yahoo?
4. List your Web site with Open Directory Project (ODP)
If your Web site is listed in the popular directory ODP, then your Web site will have a good base for the link popularity.
Rumor has it that Google starts crawling Web sites with the Web sites listed in the ODP directory. Best of all, you can add your Web site to ODP without paying a fee.
3. List your Web site in regional and industry-specific directories.
We've already covered this topic in depth here:http://www.free-seo-news.com/newsletter27.htm
2. Write articles for your audience
Write articles about the topics that your Web site visitors are interested in. After a while, other Web sites will link back to your articles.
You can also send your articles to syndicate Web sites. They'll offer your articles to other Web sites. Just make sure that your article contains a link to your Web site so that other sites who publish your article will automatically link to you.
Here's a list of some syndicate sites .
1. Get reciprocal links from complementary sites
Search the major search engines for your keywords. They will return many Web sites that don't compete with your site, or which offer complementary things.
Visit their site and then write them an email message to request a link to your site. If you link back to them first, they'll be more likely to link to you.
Consider using the reciprocal links management software "ARELIS" which saves you much time. It also lists which Web sites link to your competitors so that you can request a reciprocal link to your site, too.

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