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	<title>Internet Marketing Tools &#38; Strategies &#124; IMIQ™</title>
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<title>Internet Marketing Tools &amp; Strategies | IMIQ™</title>
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		<title>Easy to Sell, Big Profit Margins &#8211; Start Now</title>
		<link>http://www.internetmarketingiq.com/huge-affiliate-opportunity.html</link>
		<comments>http://www.internetmarketingiq.com/huge-affiliate-opportunity.html#comments</comments>
		<pubDate>Sat, 25 Jul 2009 01:31:07 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Affiliate Programs]]></category>
		<category><![CDATA[Niche Market]]></category>

		<guid isPermaLink="false">http://www.internetmarketingiq.com/?p=359</guid>
		<description><![CDATA[Recession Proof Opportunity &#8211; Get Rich in 2010! Make Money in Less Time With or Without a Website Get excited!  Insanely profitable opportunity! You can make serious $$$ selling Electronic Cigarettes. Get started today with these two proven winners!  If you want to make money you have to promote products that pay! Sign up here: [...]]]></description>
			<content:encoded><![CDATA[<div class="announcement_post"><h2>Recession Proof Opportunity &#8211; Get Rich in 2010!</h2>
<div id="attachment_842" class="wp-caption alignnone" style="width: 514px"><a href="http://www.internetmarketingiq.com/wp-content/uploads/2010/04/marketing-opportunity.jpg"><img class="size-full wp-image-842" title="Marketing Opportunity" src="http://www.internetmarketingiq.com/wp-content/uploads/2010/04/marketing-opportunity.jpg" alt="Hot Marketing Opportunity" width="504" height="369" /></a><p class="wp-caption-text">Easy Online Marketing Opportunity for Huge Commissions!</p></div>
<h2>Make Money in Less Time With or Without a Website</h2>
<p>Get excited!  Insanely profitable opportunity! You can make serious $$$ selling Electronic Cigarettes. Get started today with these two proven winners!  If you want to make money you have to promote products that pay!</p>
<p><strong>Sign up here: <a title="Green Smoke Affilate Sign Up" href="http://www.internetmarketingiq.com/gsu" target="_blank">GreenSmoke Brand Electronic Cigarettes</a></strong></p>
<p><strong> </strong></p>
<p><strong>Sign up here: <a title="Affiliate Marketing Opportunity" href="http://www.internetmarketingiq.com/luci" target="_blank">Luci Brand Electronic Cigarettes</a></strong></p>
<p><strong> </strong></p>
<p>These are the two programs of many that YOU as an affiliate should be selling.<strong> </strong></p>
<blockquote><p><strong>Update Nov 2009:</strong> <strong>People who smoke are a constant stream of income for you!  Sell them one time and get paid over and over.</strong> I&#8217;m doing really well with e-cigs in spite of Paypal refusing to take payment from e-cigarette companies.  People who buy seem to have a VISA, AMEX, or MASTERCARD.  So get to work&#8230; this is paying out even better than I expected. <strong>This one is Recession Proof &#8211; when times are tough people still keep smoking!</strong></p></blockquote>
<p>&#8212;&#8212;&#8212;&#8212;&#8211; <strong>This is what you can expect to make from an Average Order</strong> &#8212;&#8212;&#8212;&#8212;-</p>
<p>Please note that all commissions are initially placed in the Pending Approval page of the Commissions tab in your affiliate back office. 30 days after the products have shipped (i.e. the grace period for the 30-day money back guarantee has passed), the commission is eligible to be approved. It will then be approved on the upcoming 15th of the month.</p>
<p>In rare instances, a sale may be appropriated to the wrong account. We reserve the right to correct any discrepancies regarding misapplied commissions.</p>
<p>Commission Amount: $20.25 USD<br />
Order Number: 100429-144728-3907</p>
<p>&#8212;&#8212;&#8212;&#8212;&#8212;- <strong>These add up in a hurry if you can move product!</strong> &#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;</p>
<p>There is no other opportunity for 2010 where even a little guy can get rich!  What matters as an affiliate is not what other people are selling, but what YOU can make money selling. Focus on the money! <strong>In 2008 the USA Market for e-cigarettes was $100 million! In 2009&#8230; it&#8217;s exploding!  How much money will you make?</strong></p>
<p><em>There are other programs, but these have the best product materials to make your job as an affiliate simple.  I can&#8217;t make the money for you&#8230; you still have to do that&#8230; but in the world of affiliate marketing it doesn&#8217;t get easier than this. You&#8217;ll come across BluCigs as they have a good site design and nice graphics, but they are always out of stock. And if people can&#8217;t buy you can&#8217;t make money!</em></p>
<p><em> </em></p>
<p><strong><span style="font-size: medium;">Exactly Why You Should Be Promoting Electronic Cigarettes&#8230;</span></strong></p>
<p>On Monday June 22, 2009 President Obama signed legislation allowing the FDA (The Food and Drug Administration) to regulate the tobacco industry.  And while this may be a good thing for the Health of the Nation it&#8217;s horrible news for people who profit from the Tobacco Industry.  Prices of Cigarettes are going to continue to skyrocket.  Add to this the continuing tax burden State Governments are placing on Cigarettes and you should be able to easily see that Smoking is one very expensive habit.</p>
<p>People should just quit right?  Yes, probably so.  But they CAN NOT quit because they are addicted.  And addiction is a terrible thing, but you can take advantage of it &#8230; by marketing Electronic Cigarettes!</p>
<p>And here is some great news&#8230; not only are you going to make money&#8230; you are going to be helping people get healthier!  Tobacco smoke contains 4,000 chemicals known to cause cancer.  Electronic cigarettes contain water vapor, flavoring, and nicotine (You can actually order electronic cigarette cartridges with ZERO nicotine). So while electronic cigarettes may not be 100% safe the are many times safer than tobacco cigarettes.</p>
<p>Nicotine is not a cancer causing agent&#8230; in fact it occurs naturally in tomatoes, potatoes, and eggplant.</p>
<blockquote><p>The Nicotine Content of Common Vegetables:</p>
<p>There is considerable evidence that nicotine is present in certain human foods, especially plants from the family Solanaceae (such as potatoes, tomatoes, and eggplant). Castro and Monji,2 Sheen,3 and Davis et al.4 have reported on the nicotine content of foods and drinks.  New England Journal of Medicine</p>
<p>Source:  http://content.nejm.org/cgi/content/extract/329/6/437</p></blockquote>
<p>Nicotine is a poison in high concentration and highly addictive when smoked.  But it is not the culprit for causing cancer. Nicotine however may have links to certain changes in brain chemistry over time. Nicotine is not a good thing for the body, but it is not the cause of cancer. Further proof:</p>
<blockquote><p>Women who smoke are more concerned about their habit and their ability to quit than men, yet both genders appear misinformed about smoking and its link to cancer. In a new study presented at CHEST 2005, the 71st annual international scientific assembly of the American College of Chest Physicians (ACCP), the majority of smokers mistakenly believed nicotine causes cancer, leading many to smoke &#8220;light&#8221; cigarettes because they believed them to be less harmful. Women also were more likely than men to have feelings of guilt, fear, and worry associated with tobacco use and quitting the habit.</p></blockquote>
<p>So now you can feel good about promoting a product that helps smokers get more healthy.  Lets face it who wants to make a buck promoting something that hurts people?  I don&#8217;t.</p>
<h2><span style="font-size: medium;">The Market for Smoking Materials is GIGANTIC!</span></h2>
<p>It&#8217;s estimated in the United States that about 1 in 4 Adults smoke cigarettes.  That is a huge market that is currently untapped, but it gets even better when you factor in the rates of smoking around the world.</p>
<blockquote><p>WASHINGTON, D.C. &#8212; Gallup first asked Americans about their smoking habits more than 60 years ago, and recent Gallup polling finds Americans reporting among the lowest smoking rates ever measured (24%). The percentage of Americans saying they have smoked cigarettes in the past week did not drop to approximately one-quarter of the population until the mid-1990s. Gallup has asked respondents in more than 90 countries around the globe a similar question regarding their smoking habits, and the data indicate a median percentage of 22%. This result is statistically similar to the U.S. rate, but in some individual countries this figure ranges from a fraction of the U.S. responses to more than 40%.</p></blockquote>
<p>You can read about the rest of the worlds smoking rate here:  http://www.gallup.com/poll/28432/smoking-rates-around-world-how-americans-compare.aspx</p>
<p>So now you can see there is a GIGANTIC market.</p>
<h2><span style="font-size: medium;">Are you a Person Who has Trouble Finding Profitable Niches?</span></h2>
<p>Then this opportunity is for you!  Why?  Because even if there is tons of competition the market is so huge that there is room for tons of Affiliates.  Think about it.  With all those smokers you are bound to come across people you can promote to.</p>
<p>The Profit Margins on Electronic Cigarettes are Very Good</p>
<p>Why sell a product that costs $25-50 and pays only 4 or 5% like most of the products on Amazon? Or Travel products like Airline Tickets which pay 2%? Start making real money you can promote Electronic Cigarettes that pay $10-20% and <strong>the company I am showing you will pay you OVER AND OVER each time the customer you send them makes a purchase! </strong></p>
<h2><span style="font-size: medium;">Simple Way to Promote Offline for Massive Profits</span><strong><span style="font-size: medium;"></p>
<p></span></strong></h2>
<p>Think about this simple method. How often do you see smokers in your everyday life?  What is to stop you from taking your marketing efforts offline?  Have a 1,000 business cards printed up with your special affiliate code. The company I&#8217;m showing you gives you a special coupon code you can print on your business cards that allows each of YOUR customers to get either 5% OR 10% OFF!  You decide.</p>
<p>Now you carry these cards with you whenever you are out&#8230; the grocery store, the clubs, the gym (Yes the Gym&#8230; what a great place, people who smoke work out too!), church, everywhere.  And hand them out.  Tell them about the benefits of switching to Electronic Cigarettes.</p>
<h2><span style="font-size: medium;">Your Promotion Possibilities are Nearly Limitless.</span></h2>
<p><strong>Summary of Why You Should Be Promoting Electronic Cigarettes</strong></p>
<ul>
<li>Huge Market Worldwide that is just in it&#8217;s infancy</li>
<li>Health Benefits to Existing Smokers</li>
<li>High Commissions</li>
<li>Repeating Commissions over and over</li>
<li>Compatible with almost every kind of website</li>
<li>Electronic Cigarettes are an Easy Sale &#8211; they are 60% Cheaper</li>
<li>Easy to promote offline in the &#8220;Real World&#8221;.</li>
</ul>
<p>What are you waiting for? I can&#8217;t make the money for you&#8230; don&#8217;t you owe it to yourself to at least check out this opportunity?</p>
<h2>Here is what REAL People (Smokers) are saying about Electronic Cigarettes</h2>
<p>Source:  St. Petersburg Times Tampa Florida</p>
<p><strong>Bobbie from TN</strong></p>
<p>Jun 11th, 2009 11:55 pm</p>
<p>I am impressed with the many smokers who say these work. I worry about them being made in China. I don&#8217;t trust China. They&#8217;ve poisoned enough people/babies/animals already. Wish they were made in the good old USA. &#8220;lifestyle tax&#8221; is coming next!</p>
<p><strong>Pam from Cheshire, CT</strong></p>
<p>Jun 10th, 2009 10:26 pm</p>
<p>Within a week I went from a pack a day for 30 yrs to 0. Aside from the obvious &#8211; no smoke, no smell, no carcinogens etc, I noticed if I get any vapor in my eyes, it doesn&#8217;t sting like smoke. My animals don&#8217;t even blink if it blows in their faces <img src='http://www.internetmarketingiq.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p><strong>Karen from Spring Hill, FL</strong></p>
<p>Jun 10th, 2009 9:47 pm</p>
<p>I smoked a pack a day for 35 years, and quit because of ecigs. It&#8217;s saving my life! And the FDA and anti smoking groups are concerned for my health? They want to remove ecigs from the market, but KEEP cigarettes for sale? Talk about contradiction.</p>
<p><strong>Mark from Wadsworth, OH</strong></p>
<p>Jun 10th, 2009 8:24 pm</p>
<p>After 22 years of smoking over a pack per day, e-cigarettes got me off of cigarettes in 2 days. After 8 weeks I&#8217;m using 0 nicotine in my e-cig. I can see why Philip Morris and the government are about to ban this. They&#8217;re losing victims too fast.</p>
<p><strong>James from Warwick, RI</strong></p>
<p>Jun 10th, 2009 12:08 pm</p>
<p>The fact that the FDA is considering a ban on this safer e-cig alternative is appalling. Aren&#8217;t they SUPPOSED to be the watchdog for public health and not Philip Morris&#8217;s puppet? I was a 2 pack a day smoker for 20 years. The -ecig is saving my life!</p>
<p><strong>Anna from TN</strong></p>
<p>Jun 10th, 2009 10:24 am</p>
<p>I&#8217;m not one of those people who flaunt the ecig in public. I&#8217;m just happy my lungs feel better, my husband can&#8217;t smell the ecig, I have energy, I could go on and on. Whatever the FDA finds, I KNOW ecigs are healthier than the reg cigs. I FEEL better!</p>
<p><strong>Michelle from Montana</strong></p>
<p>Jun 10th, 2009 8:25 am</p>
<p>Amazing,the Bull our govt will come up with when their tax income is being threatened. The FDA already APPROVED a Nicotine inhaling device! I tried one MANY times hoping to quit a 25 year, pack/day habit!With my e-cigg, 46 days smoke free!</p>
<p><strong>Julie from ATL, GA</strong></p>
<p>Jun 9th, 2009 4:48 pm</p>
<p>I&#8217;m a non-smoker but ever since I learned about e-cigs I&#8217;ve been trying to convert my friends. I rarely get involved in politics, but I believe in e-cigs will help to keep them from getting banned in any way I can. Smokers should have a choice!</p>
<p><strong>Matt from Cheyenne, WY</strong></p>
<p>Jun 9th, 2009 3:07 pm</p>
<p>Excellent article. On 3/10 I switched from a pack a day smoker for 15 years to e-cigs. I don&#8217;t smell like an ashtray, my smell/taste have returned, and I&#8217;ve stepped down to a lower dosage. Starter pack M401 $50. Fill my own carts @ ~$20/mo.</p>
<p><strong>Chris from Portland Oregon</strong></p>
<p>Jun 9th, 2009 1:09 pm</p>
<p>Thanks for an excellent article. E-cigarettes have caused me to give up smoking traditional cigarettes. They&#8217;re effective and represent greatly reduced risk. People need to know the truth about them.</p>
<p><strong>Matt from Orlando</strong></p>
<p>Jun 9th, 2009 12:54 pm</p>
<p>I&#8217;ve been tobacco-free with my e-cigs for the last 55 days. I feel better, can breathe easier, and have more energy than I ever had while smoking 2 packs a day for 19 years.</p>
<p><strong>Debbie from St. Petersburg</strong></p>
<p>Jun 9th, 2009 12:31 pm</p>
<p>Was a pack &amp; 1/2 smoker for 30+ yrs. am now down to 2 cigs. per day, hopefully 0 soon, after 9 days using my e-cig.</p>
<p><strong>Debra from Tarpon Springs, FL</strong></p>
<p>Jun 9th, 2009 11:05 am</p>
<p>I haven&#8217;t smoked a cigarette in two months thanks to the e-cig. After 40 years of smoking 1 1/2 packs a day, that&#8217;s a huge thing for me! Nicotine gum didn&#8217;t work. This works. You can get different strengths of nicotine or none at all.</p>
<p><strong>SB from Tampa</strong></p>
<p>Jun 9th, 2009 8:04 am</p>
<p>Karen: You can fill them with nicotine-free e-liquid. I stopped smoking over a month ago using an e-cig with NO problem, after 1 pack/day for 15 years. It&#8217;s great. Sadly, if Big Pharma NOR Big Tobacco can profit, they&#8217;ll probably be banned.</p>
<p><strong>Karen from Dunellon, Florida</strong></p>
<p>Jun 9th, 2009 7:21 am</p>
<p>I bought the Njoy e-Cigarette &amp; am disappointed. I love the concept, but you aren&#8217;t saving any money with Njoy. One pack of 10 cartridges is 19.99 plus tax&#8230; 1 cartridge is equal to about a 1/2 pack of cigarettes. Be careful which brand you buy.</p>
</div>
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		</item>
		<item>
		<title>Quick Inexpensive Link Building &#8211; Articles, Social Bookmarks, Directories</title>
		<link>http://www.internetmarketingiq.com/quick-inexpensive-link-building-articles-social-bookmarks-directories.html</link>
		<comments>http://www.internetmarketingiq.com/quick-inexpensive-link-building-articles-social-bookmarks-directories.html#comments</comments>
		<pubDate>Sun, 22 Aug 2010 18:48:02 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Marketing Tools]]></category>

		<guid isPermaLink="false">http://www.internetmarketingiq.com/?p=878</guid>
		<description><![CDATA[This is Who I use for Link Building &#8211; Learn Why By Reading Article Below Link: Professional Link Building SEO Submission Services This is Exactly How I Build Traffic Fast for Next to Nothing Sites need traffic and it can take several weeks of hard work to get traffic you need to start turning real [...]]]></description>
			<content:encoded><![CDATA[<h2>This is Who I use for Link Building &#8211; Learn Why By Reading Article Below</h2>
<blockquote>
<h1><strong>Link:</strong> <a title="SEO Submission Services for Link Building" href="http://www.internetmarketingiq.com/promote" target="_blank">Professional  Link Building SEO Submission Services</a></h1>
</blockquote>
<h2>This is Exactly How I Build Traffic Fast for Next to Nothing</h2>
<p>Sites need traffic and it can take several weeks of hard work to get traffic you need to start turning real profits.  You have 2 options.  Do all the work yourself or outsource it!  Below I&#8217;m going to explain to you the company I use and exactly how I outsource the work so I can get traffic fast.</p>
<h2>Making Money by Freeing Up Your Time to Market</h2>
<p>How many of you are like me and absolutely hate doing rote repetitive tasks?  You know bookmarking, filling out forms to submit articles, filling out directories, replying to captchas, etc?  At best it bores the hell out of me, at worst it sucks away massive amounts of time I could be using to do real &#8220;Marketing&#8221;.</p>
<h2>How Much is Your time worth?</h2>
<p>If you become good at online marketing you&#8217;ll recognize immediately that your time is worth a lot more creating content, writing headlines, developing sales literature, etc. than filling out forms!  You won&#8217;t make much money if you spend all your time building backlinks.</p>
<h2>Low Cost Outsourcing that Really Works USA Based</h2>
<p>I formed my Company almost a full decade ago.  I hate doing anything boring or repetitive.  I like writing, marketing, creating, developing.  But I&#8217;m sure as hell not going to sit around and fill out forms all day to create backlinks.  That&#8217;s just plain stupid.  And if you are making any money at all&#8230; you&#8217;ll quickly realize you&#8217;ll make a lot more if you can outsource all this &#8220;Busy Work&#8221;.</p>
<h3>Testimonial and Endorsement</h3>
<p>I&#8217;ve been using this marketing company now for almost 2 years.  They get the work done really fast, provide you with complete reports, and are really inexpensive.  Plus they are based in the United States.</p>
<p><strong>After I create my project I have them do these 3 tasks:</strong></p>
<ul>
<li>I create an article and have them do the distribution*</li>
<li>I use them to submit to Directories for me</li>
<li> I use them to do my Social Bookmarking.</li>
</ul>
<p>* They will create the article for a nominal fee, but I like to have complete control over my <a href="http://www.internetmarketingiq.com/uaw" style="font-family:Verdana;font-weight:bold;text-decoration:underline;font-family:Verdana;font-weight:bold;text-decoration:underline;font-family:Verdana;font-weight:bold;text-decoration:underline;font-family:Verdana;font-weight:bold;text-decoration:underline;font-family:Verdana;font-weight:bold;text-decoration:underline;font-family:Verdana;font-weight:bold;text-decoration:underline;font-family:Verdana;font-weight:bold;text-decoration:underline;font-family:Verdana;font-weight:bold;text-decoration:underline;font-family:Verdana;font-weight:bold;text-decoration:underline;" target="_blank" rel="nofollow" onmouseover="self.status='article marketing';return true;" onmouseout="self.status=''">article marketing</a> and feel that my own work is more convincing.  I believe articles should drive traffic all by themselves.  I want a powerful 1-2 punch &#8211; backlinks AND compelling text for real click through.</p>
<p>I have complete control over the Titles, Text, Keywords.  These guys do not create the SEO they Distribute it.  And that&#8217;s a good thing because in order to be effective you need to create the content.  I can highly recommend their work ethic, fast services, and low prices.  Give them a try and see for yourself.</p>
<h2>Here are the Services I Order and What they Cost</h2>
<ol>
<li>$10 &#8211; 150 High PR Directory Submission</li>
<li>$12 &#8211; 55 Social Bookmarking Links from Unique Accounts</li>
<li>$30 &#8211; Submit my Article to 100 Directories from Unique Accounts</li>
</ol>
<p>Total Cost = $52</p>
<p>Potential Links &#8211; approximately 300</p>
<p>Now not every submission will be accepted but most of them will.  A always start with the Article Distribution and have had many of my articles indexed within 24 hours.  Articles seem to stand the test of time and deliver traffic long term.  If I believed there were truly 300 worthwhile article directories I&#8217;d pay to have them submitted to more.</p>
<p>This is a lot of bang for the buck and saves me a hell of a lot of time, effort, and money. And you get full reporting with the user names and emails used to create unique campaigns so you can followup on them yourself later!</p>
<p>Give it a try I think you&#8217;ll be pleasantly surprised.</p>
]]></content:encoded>
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		</item>
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		<title>Internet Marketing Specialist</title>
		<link>http://www.internetmarketingiq.com/internet-marketing-specialist.html</link>
		<comments>http://www.internetmarketingiq.com/internet-marketing-specialist.html#comments</comments>
		<pubDate>Sat, 21 Aug 2010 18:47:29 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Internet Marketing Specialist]]></category>

		<guid isPermaLink="false">http://www.internetmarketingiq.com/?p=876</guid>
		<description><![CDATA[Are you interested in hiring an Internet Marketing Specialist?  You could do an online search and try to outsource from a company that you have never heard of before.  You could call a recruiting company and use them to find someone that has credentials that appeal to your company.   You could run an advertisement in [...]]]></description>
			<content:encoded><![CDATA[<p>Are you interested in hiring an Internet Marketing Specialist?  You could do an online search and try to outsource from a company that you have never heard of before.  You could call a recruiting company and use them to find someone that has credentials that appeal to your company.   You could run an advertisement in the local Newspaper for an Internet Marketing Specialist.  But how would you know that the person you are hiring has any real experience.</p>
<p>Many people talk the talk but few walk the walk.  You don&#8217;t need a business degree, a computer science degree or any degree for that matter to be successful online.  Many of the most successful online marketing specialists have no educational credentials.  What is far more important is a proven track record of success and that is typically measured in income.</p>
<p>You see money is the ultimate measure of just how good an individual is at taking an ordinary business idea and pushing it to the top online.  While having an educational background may help, it&#8217;s no assurance that it will bring the results you or your company are looking to achieve.</p>
<p>So when you think of hiring an Internet Marketing Specialist don&#8217;t overlook the value of experience.  I&#8217;m available for certain projects on a piecemeal basis.  The advantage to you is 15 years real online experience.  You won&#8217;t need to provide any benefits or create a payroll.  Work will be completed online and on time!  My areas of expertise are:</p>
<p>WordPress Installation and Set up.</p>
<p>WordPress Maintenance.</p>
<p>SEO Site Consulting</p>
<p>Article writing and distribution.</p>
<p>Keyword Research and Campaigns.</p>
<p>Local Search Optimization</p>
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		<title>Commission Junction Glossary</title>
		<link>http://www.internetmarketingiq.com/commission-junction-glossary.html</link>
		<comments>http://www.internetmarketingiq.com/commission-junction-glossary.html#comments</comments>
		<pubDate>Tue, 10 Aug 2010 22:20:57 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Affiliate Programs]]></category>
		<category><![CDATA[Commision Junction]]></category>

		<guid isPermaLink="false">http://www.internetmarketingiq.com/?p=873</guid>
		<description><![CDATA[I can&#8217;t believe how many people in Forums have CJ accounts but have no idea how to use them. Why people won&#8217;t read the help files is really baffling. How can a person expect to make money if you have no idea how the system works? Here are some very important terms to understand &#8211; [...]]]></description>
			<content:encoded><![CDATA[<p>I can&#8217;t believe how many people in Forums have CJ accounts but have no idea how to use them.  Why people won&#8217;t read the help files is really baffling.  How can a person expect to make money if you have no idea how the system works?</p>
<p>Here are some very important terms to understand &#8211; and Yes I copied these directly from the Commission Junction Help Files.</p>
<p><strong>3-month EPC</strong></p>
<p>Your EPC (Average Earnings Per One Hundred Clicks) is a relative rating that illustrates the ability to convert clicks into commissions. Three month EPC values are calculated and updated daily, using data beginning five months previous through three months previous. On the first of each month the \&#8221;five months previous through three months previous\&#8221; timeframe changes to accommodate the month change. For example, an EPC rating in June is calculated using data from January, February, and March. It is necessary to use data beginning five months previous to give accurate EPC ratings that may include extended or reversed transactions. NOTE: There must be at least 1000 clicks for the 3-month period to calculate your EPC. If less than 1000 clicks occurred, N/A will display for the EPC. Your EPC is calculated in an \&#8221;apples to apples\&#8221; comparison with all publishers by taking each publisher&#8217;s total commissions earned (regardless of currency) and then converting that total (if necessary) to US dollars. After each publisher&#8217;s commission total amount has made this conversion to a common currency (USD), the amount is then divided by the total number of clicks times 100. At this point, your EPC is established. Your EPC is then converted back to your functional currency (provided it differs from USD) when you view it on the Home Page of your Publisher Account Manager.</p>
<p><strong>7-day EPC</strong></p>
<p>Your EPC (Average Earnings Per One Hundred Clicks) is a relative rating that illustrates the ability to convert clicks into commissions. The calculation is made by taking the sum of all commissions for 7 days and dividing it by the sum of all clicks for the same 7 days then multiplying this by 100. If today&#8217;s date = N, the date range used is N-8 to N-2. NOTE: There must be at least 100 clicks for the 7-day period to calculate your EPC. If less than 100 clicks occurred, N/A will display for the EPC. In addition, advertiser EPC will display as \&#8221;New\&#8221; for the first 90 days in the Commission Junction Network.  Your EPC is calculated in an \&#8221;apples to apples\&#8221; comparison with all publishers by taking each publisher&#8217;s total commissions paid (regardless of currency) and then converting that total (if necessary) to US dollars. After each publisher&#8217;s commission total amount has made this conversion to a common currency (USD), the amount is then divided by the total number of clicks times 100. At this point, your EPC is established. Your EPC is then converted back to your functional currency (provided it differs from USD) when you view it on the Home Page of your Publisher Account Manager.</p>
<p><strong>Account Links</strong></p>
<p>Links appearing in the Login Manager which allow access to each linked account.</p>
<p><strong>Action Data Transfer</strong></p>
<p>Commission Junction&#8217;s data transfer system enables advertisers to transfer action (sale, lead, etc.) data and data corrections to Commission Junction on a scheduled basis.</p>
<p><strong>Advanced Link</strong></p>
<p>A category of advanced functionality links. Link types in this category include Interactive Link and Dynamic Content Link.</p>
<p><strong>Advertiser</strong></p>
<p>(also referred to as Merchant, Retailer, E-retailer, E-tailer, or Online Retailer) Any Web site that sells a product or service, accepts payments, and fulfills orders. An advertiser with Commission Junction places ads and links to their products and services on other Web sites (publishers) and pays those publishers a commission for leads or sales that result from their site.</p>
<p><strong>Advertiser Expired</strong></p>
<p>Program Terms that were once active for a publisher but that have been subsequently expired (i.e., \&#8221;dropped\&#8221;) by the advertiser.</p>
<p><strong>Advertiser SmartZone</strong></p>
<p>An Advertiser SmartZone is a package of links that the advertiser creates, using only links from his program. Each link within the SmartZone is given a \&#8221;weight\&#8221; that determines how often it will display in relation to the other links within the SmartZone (rotating).</p>
<p><strong>AID</strong></p>
<p>Ad ID. Specific value assigned to a link in the Commission Junction Network with a numeric value of 4-10 characters.</p>
<p><strong>Arbitrage</strong></p>
<p>The simultaneous purchase and sale of similar commodities in different markets to take advantage of a price discrepancy.</p>
<p><strong>Banner</strong></p>
<p>A clickable (linked) advertising graphic. This is the most common type of Web advertisement.</p>
<p><strong>Batch Processing</strong></p>
<p>Commission Junction&#8217;s batch processing method allows the advertiser to store the information (Publisher ID, Ad ID, Shopper ID) collected during the initial click-through and link those values to the consumer transaction (sale or lead). Once all the information is prepared, the advertiser may send a batch file to Commission Junction for processing.</p>
<p><strong>CAD</strong></p>
<p>The acronym for \&#8221;Canadian Dollars\&#8221;, a functional currency supported by Commission Junction.</p>
<p><strong>CID</strong></p>
<p>Company ID or account number. Your account number (CID#) is used to differentiate your account from every other member&#8217;s account.</p>
<p><strong>CJ Performer</strong></p>
<p>CJ Performer identifies and promotes top tier publishers meeting substantial minimum financial performance and quality requirements. Membership in this program is indicated by CJ Performer status.</p>
<p><strong>CJ Performer (CJP)</strong></p>
<p>A publisher with the title CJ Performer (CJP) is a member of the CJ Performance Program. This status indicates a top tier publisher meeting substantial minimum financial performance and quality requirements.</p>
<p><strong>CJP</strong></p>
<p>A publisher with the title CJ Performer (CJP) is a member of the CJ Performance Program. This status indicates a top tier publisher meeting substantial minimum financial performance and quality requirements.</p>
<p><strong>CJRP</strong></p>
<p>CJRP is the \&#8221;Commission Junction Recruiter Program\&#8221; that allows approved publishers to earn commissions for referring new publishers to the Commission Junction network. This program works just like any other advertiser program in the network: you must apply to join the program, meet the program&#8217;s requirements, and then, if approved, use the CJRP links provided to promote Commission Junction. Joining the CJRP is not a requirement for membership as a publisher in the Commission Junction Network.</p>
<p><strong>Click-through</strong></p>
<p>(also called click or hit)  Refers to the action a consumer takes when they are referred from one Web site through a link or advertisement and are taken to another Web site.</p>
<p><strong>COC</strong></p>
<p>Code of Conduct: An agreement signed during account setup in order to guide publisher practices and assist publishers in adhering to ethical standards for online advertising.</p>
<p><strong>Code of Conduct</strong></p>
<p>(COC) An agreement signed during account setup in order to guide publisher practices and assist publishers in adhering to ethical standards for online advertising.</p>
<p><strong>Content Link</strong></p>
<p>This type of link provides similar functionality to a text link, but allows up to 32,000 English-based characters and multiple lines. This type of link can be used to provide visitors with compelling content that looks more like an e-zine article than a standard ad.</p>
<p><strong>Cookie</strong></p>
<p>A small file stored on the visitor&#8217;s computer that records information of interest to the advertiser site.</p>
<p><strong>CPM</strong></p>
<p>(Cost Per 1,000 Impressions) A metric for online advertising where a rate is set for every thousand impressions.</p>
<p><strong>CR</strong></p>
<p>(Conversion Rate)The rate of visitors from a publisher&#8217;s Web site that are &#8216;converted&#8217; to a sale or lead, and go on to earn the publisher a commission.</p>
<p><strong>CTR</strong></p>
<p>(Click-Through Rate) The percentage of clicks for the number of advertising impressions displayed.</p>
<p><strong>Declined Applications</strong></p>
<p>Publisher applications that were declined by the advertiser.</p>
<p><strong>Declined Offers</strong></p>
<p>Offers (i.e., program terms) that an advertiser sent to a publisher which were declined by the publishers.</p>
<p><strong>Email Content Link</strong></p>
<p>An Email Content Link is an email, complete with content and ready to be sent, created by the advertiser for you to mail to your client base. For example, an advertiser could create an email link to promote a \&#8221;Summer Sale\&#8221; and you would simply need to  grab the HTML for that link and immediately be able to email it to your customer base.</p>
<p><strong>EPC, advertiser</strong></p>
<p>(Average Earnings Per One Hundred Clicks) A relative rating that illustrates the ability of an advertiser to convert clicks into commissions. It is calculated by taking commissions paid divided by the total number of clicks times 100.</p>
<p><strong>EPC, publisher</strong></p>
<p>(Average Earnings Per One Hundred Clicks) A relative rating that illustrates the ability of an publisher to convert clicks into commissions. It is calculated by taking commissions earned divided by the total number of clicks times 100.</p>
<p><strong>EUR</strong></p>
<p>The acronym for the Euro, a functional currency supported by Commission Junction.</p>
<p><strong>Functional Currency</strong></p>
<p>The currency used to store and display all financial and reporting data in an account. Accounts may have only one designated functional currency and that currency cannot be changed after an account has been created. Commission Junction will support functional currencies for both advertisers and publishers of United States Dollars (USD), British Pounds (GBP), Canadian Dollars (CAD), and Euros (EUR).</p>
<p><strong>GBP</strong></p>
<p>The acronym for Great British Pounds, a functional currency supported by Commission Junction.</p>
<p><strong>HTML</strong></p>
<p>HyperText Markup Language (HTML) is a markup language designed for creating web pages with hypertext and other information that can be displayed in a web browser. Commission Junction offers this form of link code.</p>
<p><strong>Impression</strong></p>
<p>The viewing of an advertising banner, link, or product on the Internet.</p>
<p><strong>Incentive Site</strong></p>
<p>A Web site that offers incentives to visitors, donates a portion of proceeds to charity or otherwise requires special approval from Commission Junction advertisers.</p>
<p><strong>Interactive Link</strong></p>
<p>An HTML link (added in the \&#8221;Advanced Link\&#8221; area) that accepts up to 32,000 English-based characters and provides for some type of user interaction, such as a search box or a drop-down box.</p>
<p><strong>JavaScript</strong></p>
<p>JavaScript links enable scripting access to objects embedded in other applications. JavaScript links put the publisher site ID (PID) and advertisement ID (AID) in the HTTP header (using the POST method). Commission Junction offers this form of link code.</p>
<p><strong>Keyword Link</strong></p>
<p>A Keyword Link is used by publishers who are interested in using paid placement to promote their advertisers. When publishers make bids on their advertiser&#8217;s keywords, they can use the information in the keyword link to get data on the advertiser&#8217;s preferred marketing message and tracking URL for search, their keywords, and the associated bidding rules for those keywords.</p>
<p><strong>Lead</strong></p>
<p>A lead constitutes a situation in which a user registers, signs up for, or downloads something on an advertiser site. A lead might also comprise a user filling out a form on the advertiser&#8217;s site.</p>
<p><strong>Link Accounts</strong></p>
<p>The process of adding accounts to the Login Manager to enable access to all accounts regardless of in which account you currently reside.</p>
<p><strong>Login Manager</strong></p>
<p>Enables SuperUsers to add links for their multiple accounts which enable you to access all accounts regardless of in which account you currently reside.</p>
<p><strong>Network Earnings (Advertiser)</strong></p>
<p>An advertiserâ€™s Network Earnings ranking shows how the advertiser rates with other advertisers in the network based on the volume of commissions paid. Advertisers are ranked in an \&#8221;apples to apples\&#8221; comparison with all advertisers by taking each advertiser&#8217;s total commissions (regardless of currency) and then converting that total (if necessary) to US dollars. After each advertiser&#8217;s commission total amount has made this conversion to a common currency (USD), the ranking is established. Ranked using a bar graph system, the Network Earnings are based on a scale of zero-5 \&#8221;bars\&#8221;. New advertisers are ranked as \&#8221;New\&#8221; for their first three months in the network. Advertisers paying zero commissions are excluded from the overall calculation and given a \&#8221;blank\&#8221; rating. The ranking is calculated relative to the entire network based on commissions paid to publishers during the previous month.</p>
<p><strong>Network Earnings (Publisher)</strong></p>
<p>Your Network Earnings ranking shows how you rate with other publishers in the network based on the volume of commissions earned. You are ranked in an \&#8221;apples to apples\&#8221; comparison with all publishers by taking each publisher&#8217;s total commissions (regardless of currency) and then converting that total (if necessary) to US dollars. After each publisher&#8217;s commission total amount has made this conversion to a common currency  (USD), the ranking is established. Your EPC is then converted back to your functional currency (provided it differs from USD) when you view it on the Home Page of your Publisher Account Manager. Ranked using a bar graph system, the Network Earnings are based on a scale of zero-5  \&#8221;bars\&#8221;. Publishers earning zero commissions are excluded from the overall calculation and given a \&#8221;blank\&#8221; rating. The ranking is calculated relative to the entire network based on commissions earned by publishers during the previous month.</p>
<p><strong>OID</strong></p>
<p>The advertiser&#8217;s order ID. A unique value that an advertiser will pass in order to cross-reference transactions with data on their system. The data could be the customer name or any number or string (generated by the advertiser&#8217;s scripts/software). An IP address is displayed by default. Email addresses cannot be used in the OID field.</p>
<p><strong>Organic Search</strong></p>
<p>Organic search, also known as search engine optimization (SEO), focuses on optimizing Web site content, architecture, meta tag development, linking strategies, directory listings and Web page submissions based on the relevancy algorithms search engines use to index and rank Web pages. Organic search methodology is a long-term solution to obtaining search engine exposure without paying the recurring costs associated with pay-per-click advertising models.</p>
<p><strong>Paid Inclusion</strong></p>
<p>Paid inclusion is primarily the process of fast and up-to-date indexing of Web pages by paying a specific price for a URL in order for that URL to be searched and listed. Paid Inclusion results are immediate and generate large volumes of targeted traffic by exposing Web site content across multiple engines and directories.</p>
<p><strong>Paid Placement</strong></p>
<p>Paid placement is the process of competitively bidding on specific keywords, which in turn buys top search engine listings (or placements) for the keyword searches most relevant to an advertiserâ€™s offerings. Paid search drives highly targeted traffic and increases brand awareness.</p>
<p><strong>Pay-For-Performance Search</strong></p>
<p>Pay-for-performance search is the process in which publishers engage in search marketing efforts on behalf of their advertisers. As a trusted independent party, Commission Junction honors advertisersâ€™ protected/branded keywords and facilitates publishersâ€™ search involvement for maximum effectiveness. Pay-for-performance provides advertisers with a risk-free search method.</p>
<p><strong>Pay-Per-Lead</strong></p>
<p>Commission structure in which the advertiser pays the publisher a fee for each qualified lead (customer) that is referred to the advertiser&#8217;s Web site.</p>
<p><strong>Pay-Per-Sale</strong></p>
<p>Commission structure in which the advertiser pays a percentage or fee to the publisher based on the revenue generated by the sale of a product or service to a visitor who came from a publisher site.</p>
<p><strong>Pending Applications</strong></p>
<p>Applications for advertiser programs will remain in the \&#8221;pending\&#8221; status until the advertiser approves or declines them.</p>
<p><strong>Pending Offers</strong></p>
<p>An offer (i.e., a program term) that was sent to you from an advertiser will remain in the \&#8221;pending\&#8221; status until you approve or decline it.</p>
<p><strong>Performance Incentive</strong></p>
<p>Incentive for which an advertiser increases commissions based on publisher performance during a given month. For example, an advertiser might set their program to pay a bonus to publishers who refer a certain number of leads. Whenever a publisher reaches this goal, the additional payout is added into that publisherâ€™s account at the end of the second month after the goal is reached (two months are required to include extended transactions, if any).</p>
<p><strong>Performance Reports</strong></p>
<p>Run a Performance Report to get details about your program. Find out which Web site, which links, and which advertisers are creating the most traffic.</p>
<p><strong>PID</strong></p>
<p>Publisher Web site ID. This is the identifier of the publisher Web site from which the consumer clicks to the advertiser site. Please note that deleted PIDs will continue to track provided that the links on the Publisher Web site were not removed. Deleting a PID simply makes that PID unavailable to a  publisher who wishes to obtain link code via the Link Detail page. Any active links on a live Web site that were placed prior to the PIDâ€™s deletion will still contain the PID/AID parameters and track per the active program term.</p>
<p><strong>Product Catalog</strong></p>
<p>A Product Catalog contains one or more product links. Whereas other link types promote  the advertiser&#8217;s Web site or company, a product link promotes a specific product.  For example, instead of a banner that promotes \&#8221;CoolShoes.com\&#8221;, a product link can promote a specific pair of shoes. Product Links allow you to place the advertiser&#8217;s  products within the context of your content and create impulse buying opportunities for consumers. Product catalogs are currently in use by many top rewards sites, comparison shopping sites and shopping mall sites within the network.</p>
<p><strong>Product Links</strong></p>
<p>Product Links are contained within product catalogs. Whereas other link types promote the advertiser&#8217;s Web site or company, a product link promotes a specific product. For example, instead of a banner that promotes \&#8221;CoolShoes.com\&#8221;, a product link can promote a specific pair of shoes. Product Links allow you to place the advertiser&#8217;s products within the context of your content and create impulse buying opportunities for consumers. Product catalogs are currently in use by many top rewards sites, comparison shopping sites and shopping mall sites within the network.</p>
<p><strong>Program Term</strong></p>
<p>\&#8221;Program Terms\&#8221; are the criteria that make up the \&#8221;agreement\&#8221; between advertisers and publishers.  The Program Terms include the action type (e.g., sale or lead), the commission rate,  the referral period, the number of action occurrences allowed, and performance incentives  (an optional feature).</p>
<p><strong>PSA</strong></p>
<p>Publisher Service Agreement: Service agreement signed during account setup.</p>
<p><strong>Publisher</strong></p>
<p>(also referred to as an Affiliate, Associate, Partner, Reseller or Content Site) &#8211; An independent party, or Web site, that promotes the products or services of an advertiser in exchange for a commission.</p>
<p><strong>Publisher Expired</strong></p>
<p>Program terms that were once active for a publisher but that have been expired (i.e., \&#8221;dropped\&#8221;) by the publisher.</p>
<p><strong>Publisher Service Agreement</strong></p>
<p>(PSA) Service agreement signed during account setup.</p>
<p><strong>Read Only Mode</strong></p>
<p>A read enabled and write disabled system state used by Commission Junction in order to update the system while enabling users to complete read actions (view information, search, run reports, etc.) using information current to the beginning of the read only mode. Write actions (edit, compose, save, etc.) are disabled during read only mode. Transactions are accepted during read only, and information is updated at the completion of read only.</p>
<p><strong>Sale</strong></p>
<p>Transaction that occurs when a user makes a purchase from an online advertiser.</p>
<p><strong>SID</strong></p>
<p>Shopper ID. Commission Junction provides the capability for publishers to track where their actions originate through the implementation of the Shopper Identification, or SID. One application of this technology is the Commission Junction SmartRewards program, in which publishers can target and/or reward their unique shoppers. Contact a Commission Junction SmartRewards associate by clicking the \&#8221;Contact Us\&#8221; hyperlink in the CJ Account Manager. Then click \&#8221;Go\&#8221; in the \&#8221;Ask a Question\&#8221; area of the pop-up window. Once in the question interface, select the \&#8221;Linking\&#8221; category and the \&#8221;Advanced Linking\&#8221; subcategory.</p>
<p><strong>SmartLink</strong></p>
<p>SmartLink is a Commission Junction ad type that enables advertisers to host links.</p>
<p><strong>SmartZone (Advertiser)</strong></p>
<p>A package of links the advertiser can create for use by publishers. Unlike Publisher SmartZones that may contain links from many different advertisers, Advertiser SmartZones are created by each advertiser and contain only their links.</p>
<p><strong>SmartZone (Publisher)</strong></p>
<p>A package of links the publisher creates that may contain links from many different advertisers. Each link within the SmartZone is given a \&#8221;weight\&#8221; that determines how often it will  display in relation to the other links within the SmartZone (rotating). The SmartZone  functions just like any other link, in that publishers only need to place the SmartZone  code (consisting of JavaScript) once on their site.</p>
<p><strong>Text Link</strong></p>
<p>A simple link (without a graphic) limited to 150 characters or less.</p>
<p><strong>Third Party Link</strong></p>
<p>Advertisers now have the option to utilize other vendors&#8217; services or tools that improve the merchandising experience for themselves, their publishers, and consumers. Using a third party vendor, advertisers can provide trackable interactive links to their publishers. Advertisers simply sign up with the Commission Junction-approved vendor of their choice, create their links, and upload them to the Commission Junction Network. These dynamic selling links allow a publisher&#8217;s site visitors to interact with the links and make buying decisions before clicking away to the advertiser&#8217;s site.</p>
<p><strong>Transaction Report</strong></p>
<p>Run a Transaction Report to track the commissions you&#8217;re earning.</p>
<p><strong>Trend Graph</strong></p>
<p>A graph that plots information from a report against a specific time period. The horizontal axis displays the time period of the report, while the vertical axis displays the reporting information. The information displays as points connected by a trend line.</p>
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		<title>Time to Wake the Hell Up!</title>
		<link>http://www.internetmarketingiq.com/time-to-wake-the-hell-up.html</link>
		<comments>http://www.internetmarketingiq.com/time-to-wake-the-hell-up.html#comments</comments>
		<pubDate>Tue, 08 Dec 2009 05:19:50 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[federal government]]></category>

		<guid isPermaLink="false">http://www.internetmarketingiq.com/?p=781</guid>
		<description><![CDATA[Author:  George Carlin &#8220;Forget the politicians. The politicians are put there to give you the idea that you have freedom of choice . . . you don’t. You have no choice. You have owners. They own you. They own everything. They own all the important land. They own, and control the corporations. They’ve long since [...]]]></description>
			<content:encoded><![CDATA[<p>Author:  George Carlin</p>
<p>&#8220;Forget the politicians. The politicians are put there to give you the idea that you have freedom of choice . . . you don’t. You have no choice. You have owners. They own you. They own everything. They own all the important land. They own, and control the corporations. They’ve long since bought, and paid for the Senate, the Congress, the state houses, the city halls, they got the judges in their back pockets and they own all the big media companies, so they control just about all of the news and information you get to hear. They got you by the balls. They spend billions of dollars every year lobbying . . . lobbying, to get what they want . . . Well, we know what they want. They want more for themselves and less for everybody else, but I’ll tell you what they don’t want . . . they don’t want a population of citizens capable of critical thinking. They don’t want well informed, well educated people capable of critical thinking. They’re not interested in that . . . that doesn’t help them. That’s against their interests. That’s right. They don’t want people who are smart enough to sit around a kitchen table and think about how badly they’re getting fucked by a system that threw them overboard 30 fuckin&#8217; years ago. They don’t want that. You know what they want? They want obedient workers . . . Obedient workers, people who are just smart enough to run the machines and do the paperwork. And just dumb enough to passively accept all these increasingly shittier jobs with the lower pay, the longer hours, the reduced benefits, the end of overtime and vanishing pension that disappears the minute you go to collect it, and now they’re coming for your Social Security money. They want your fuckin&#8217; retirement money. They want it back so they can give it to their criminal friends on Wall Street, and you know something? They’ll get it . . . they’ll get it all from you sooner or later cause they own this fuckin&#8217; place. It’s a big club and you ain&#8217;t in it. You and I are not in The big club. By the way, it’s the same big club they use to beat you over the head with all day long when they tell you what to believe. All day long beating you over the head with their media telling you what to believe, what to think and what to buy. The table has tilted folks. The game is rigged and nobody seems to notice. Nobody seems to care. Good honest hard-working people . . . white collar, blue collar it doesn’t matter what color shirt you have on. Good honest hard-working people continue, these are people of modest means . . . continue to elect these rich cocksuckers who don’t give a fuck about you. They don’t give a fuck about you . . . they don’t give a fuck about you. They don’t care about you at all . . . at all . . . at all, and nobody seems to notice. Nobody seems to care. That’s what the owners count on. The fact that Americans will probably remain willfully ignorant of the big red, white and blue dick that’s being jammed up their assholes everyday, because the owners of this country know the truth. It’s called the American Dream cause you have to be asleep to believe it . . .”</p>
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		<title>FICO Reveals Credit Score Mistakes and How they Affect Your Rating</title>
		<link>http://www.internetmarketingiq.com/fico-reveals-credit-score-mistakes-and-how-they-affect-your-rating.html</link>
		<comments>http://www.internetmarketingiq.com/fico-reveals-credit-score-mistakes-and-how-they-affect-your-rating.html#comments</comments>
		<pubDate>Mon, 30 Nov 2009 00:22:30 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[fico]]></category>

		<guid isPermaLink="false">http://www.internetmarketingiq.com/?p=779</guid>
		<description><![CDATA[How Common Credit Mistakes Affect Scores by Jeremy M. Simon Sunday, November 29, 2009 Disclosed for the 1st time, &#8216;damage points&#8217; taken off for late payments Borrowers already knew that late payments hurt their credit scores, but for the first time, they now know the extent of that damage. Did you max out your credit [...]]]></description>
			<content:encoded><![CDATA[<h1>How Common Credit Mistakes Affect Scores</h1>
<div><cite> by Jeremy M. Simon<br />
Sunday, November 29, 2009</cite></div>
<div>
<p><strong>Disclosed for the 1st time, &#8216;damage points&#8217; taken off for late payments</strong></p>
<p>Borrowers already knew that late payments hurt their credit scores, but for the first time, they now know the extent of that damage.</p>
<p>Did you max out your credit card? Expect a credit score drop of 10 to 45 points. Declare bankruptcy? Your score will plummet by up to 240 points, and your odds of getting credit will nosedive with it.</p>
<p>The &#8220;damage points&#8221; data, unveiled recently by FICO, are part of the most revealing glimpse into the firm&#8217;s once-secret &#8212; and still mysterious &#8212; credit scoring model. The new information discloses how many points borrowers&#8217; scores will drop when they make the most-common mistakes.</p>
<p><strong>&#8216;Help People Understand&#8217; Scores</strong></p>
<p>&#8220;I hope this information will help people to better understand FICO scores and the value for them of avoiding credit missteps. It illustrates key points such as the higher your score, the farther it can fall if you stumble,&#8221; says FICO spokesman Craig Watts. &#8220;Getting and maintaining a good score isn&#8217;t complicated. We all just need to pay our bills on time, keep credit card balances low and take on new debt sparingly. &#8221;</p>
<p>The greater transparency about FICO scores is important because American consumers&#8217; ability to get credit rises and falls with the number. FICO, the company that pioneered credit scoring, assigns consumers a three-digit number from 300 to 850, depending on how well they handle credit. Other companies also offer scores, but FICO&#8217;s version is the most widely used by lenders in determining whether a consumer can borrow, and at what rate.</p>
<p>FICO&#8217;s credit score has been around for decades, but only within the past decade have consumers gradually gained access to theirs. Though the raw numbers can be purchased, how they&#8217;re figured remains a FICO secret, as closely guarded as the formula for Coca-Cola. Until Thursday, FICO revealed only broad categories of factors influencing the score, but not the number of points at stake for consumers who fail to pay as agreed. The &#8220;damage points&#8221; information, revealed in a report by personal finance writer Liz Pulliam Weston, will be made available through its myFICO.com Web site starting this weekend.</p>
<p>FICO&#8217;s information shows that bankruptcy does the most serious damage to a credit score (up to 240 points), followed by foreclosure (up to 160 points) while maxing out a credit card has the least numerical impact (as few as 10 points).</p>
<p>Those with good or excellent credit &#8212; so-called prime borrowers &#8212; put more points at risk with each mistake. For example, someone with an average credit score of 680 who pays a bill 30 days late will see a drop of 60 to 80 points. But for someone with an excellent credit score &#8212; 780 &#8212; that same delinquency can send a FICO score tumbling by 90 to 100 points.</p>
<p><strong>The Cost in Dollars</strong></p>
<p>In order to show just how badly a drop in your FICO score can hurt your wallet, we spoke with members of the home mortgage, auto and credit card lending industries. We presented hypothetical scenarios of a consumer who decided to apply for a $200,000, 30-year mortgage; a $20,000, five-year auto loan and a credit card. While all the industry insiders stressed that a FICO score isn&#8217;t the only factor in determining who gets credit and at what cost (other factors they cited include the borrower&#8217;s debt-to-income ratio and whether they have already established a relationship with the lender), they were able to provide an idea of what a borrower who had the following credit scores could expect.</p>
<p><strong>For a Consumer Who Started With a FICO Score of 780:</strong></p>
<ul style="list-style-type: disc; list-style-image: none; list-style-position: outside; padding-left: 15px;">
<li style="padding-bottom: 10px;">Following a 30-day late payment, the consumer&#8217;s car loan rate would jump nearly 3 percent, costing the borrower $26 more each month.</li>
<li style="padding-bottom: 10px;">Following a debt settlement, the consumer would pay as much as $109 more each month on a home mortgage.</li>
</ul>
<p><strong>For a Consumer Who Started With a FICO Score of 680:</strong></p>
<ul style="list-style-type: disc; list-style-image: none; list-style-position: outside; padding-left: 15px;">
<li style="padding-bottom: 10px;">Following a 30-day late payment, the consumer would pay $41 more each month for a car loan.</li>
<li style="padding-bottom: 10px;">Following a 30-day late payment, the consumer would pay as much as $95 more each month on a home mortgage.</li>
<li style="padding-bottom: 10px;">Following a debt settlement, the consumer would no longer qualify for a credit card.</li>
</ul>
<p><strong>Some Surprised By the Details </strong></p>
<p>Consumer advocates say it&#8217;s important for borrowers to know what can damage their FICO scores. &#8220;If they know it in advance, they won&#8217;t go out and step in a pile of doo-doo. They won&#8217;t go out and do some of these things,&#8221; says Linda Sherry, director of national priorities with advocacy group Consumer Action. Even experts found some surprises in today&#8217;s news. &#8220;FICO imposes bigger hits than I would have thought for being maxed out or 30-days late just once, reinforcing my view that it is a cruder, blunter instrument than they like to claim. Nevertheless, it is a powerful, widely used crude blunt instrument,&#8221; says Ed Mierzwinski, consumer program director for the U.S. PIRG consumer advocacy group.</p>
<p>Of course, knowing the impact on a FICO score and actually avoiding these mistakes are two separate things: Amid rising unemployment and other daily financial struggles, paying bills and staying on-track financially becomes a much bigger challenge for many borrowers.</p>
<p>&#8220;Some of these things are out of their control,&#8221; Sherry says of consumers.</p>
<p>Additionally, as Weston points out, consumers with identical FICO scores can have different credit histories. That means the same slip-up &#8212; such as maxing out a credit card &#8212; could have different impacts on consumers who have the same FICO score. In the examples they provided, FICO assumed each borrower had several active major credit cards, a mortgage, car loan and student loans.</p>
<p>Sherry acknowledges the benefit of putting a number to a financial blunder. &#8220;I don&#8217;t think we necessarily knew the numbers that a bankruptcy could apply to a credit score,&#8221; Sherry says.</p>
<p><strong>Helping You Make Better Decisions</strong></p>
<p>While knowing the numbers may not keep you filing for bankruptcy if given no other choice, the information may help you make the best decision when faced with a bad situation.</p>
<p>FICO scores &#8212; and the access to credit they provide &#8212; are a valuable asset to consumers and supply a safety net when incomes are stretched. It&#8217;s an asset that needs to be protected, Sherry says, even if job loss or catastrophic illness makes bill paying problematic.</p>
<p>&#8220;In that period of time, paying down debt is the last thing on your mind. Paying the minimum payment may also be the last thing on your mind, but you&#8217;ll be doing yourself a big favor if you do,&#8221; Sherry says.</p></div>
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		<title>Enter YourName@YourKeywords in the Name field to take advantage +</title>
		<link>http://www.internetmarketingiq.com/enter-yournameyourkeywords-in-the-name-field-to-take-advantage.html</link>
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		<pubDate>Thu, 05 Nov 2009 22:36:57 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Blog]]></category>

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		<description><![CDATA[Comment Luv It&#8217;s pretty common knowledge that Blogs that use the Comment Luv plug in want you to leave comments. You can learn about and download the Comment Luv Plug in here: Comment Luv You can find blogs using the comment luv plugin with this search string: &#8220;Enter YourName@YourKeywords in the Name field to take [...]]]></description>
			<content:encoded><![CDATA[<h2>Comment Luv</h2>
<p>It&#8217;s pretty common knowledge that Blogs that use the Comment Luv plug in want you to leave comments.</p>
<p><strong>You can learn about and download the Comment Luv Plug in here:</strong></p>
<p><a title="comment luv" href="http://www.commentluv.com/" target="_blank">Comment Luv</a></p>
<p>You can find blogs using the comment luv plugin with this search string:</p>
<p><strong>&#8220;Enter YourName@YourKeywords in the Name field to take advantage +niche keyword&#8221;</strong></p>
<p>Happy Commenting and be sure to leave an intelligent comment!</p>
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		<title>Federal deficit hits all-time high $1.42 trillion</title>
		<link>http://www.internetmarketingiq.com/federal-deficit-hits-all-time-high-1-42-trillion.html</link>
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		<pubDate>Fri, 16 Oct 2009 23:04:48 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[Tax Dollars]]></category>

		<guid isPermaLink="false">http://www.internetmarketingiq.com/?p=747</guid>
		<description><![CDATA[WASHINGTON – The federal budget deficit has surged to an all-time high of $1.42 trillion as the recession caused tax revenues to plunge while the government was spending massive amounts to stabilize the financial system and jump-start the economy. The imbalance for the budget year ended Sept. 30, more than tripled last year&#8217;s record. The [...]]]></description>
			<content:encoded><![CDATA[<p>WASHINGTON – The federal budget deficit has surged to an all-time high of $1.42 trillion as the recession caused tax revenues to plunge while the government was spending massive amounts to stabilize the financial system and jump-start the economy.</p>
<p>The imbalance for the budget year ended Sept. 30, more than tripled last year&#8217;s record. The Obama administration projects deficits will total $9.1 trillion over the next decade unless corrective action is taken.</p>
<p>As a portion of the economy, the budget deficit stood at 10 percent, the highest since World War II, according to government data released Friday.</p>
<p>President Barack Obama has pledged to reduce the deficit once the Great Recession ends and the unemployment rate starts falling. But economists worry the government lacks the will to make the hard political choices to cut spending and raise taxes to get control of the imbalances.</p>
<p>For 2009, the government collected $2.10 trillion in revenues, a 16.6 percent drop from 2008. The plunge reflected declining income tax collections as millions of Americans lost their jobs or saw their wages cut. Corporate taxes also plummeted as the recession squeezed companies&#8217; profit margins.</p>
<p>Government spending last year jumped to $3.52 trillion, up 18.2 percent over 2008. The $700 billion financial bailout fund and increased spending and tax relief from the $787 billion economic stimulus program that Obama pushed through Congress in February drove the increase.</p>
<p>For September, a month when the government usually records surpluses, the deficit totaled $46.6 billion. That&#8217;s a sharp contrast to the $45.7 billion surplus in September 2008, the last time the government&#8217;s books were in the black.</p>
<p>In issuing the final budget figures, top administration officials said the president was determined to get control of the deficits in coming years.</p>
<p>&#8220;It was critical that we acted to bring the economy back from the brink earlier this year,&#8221; White House budget director Peter Orszag said in a statement. &#8220;The president recognizes that we need to put the nation back on a fiscally sustainable path.&#8221;</p>
<p>Failure to curb runaway deficits could trigger a financial train wreck that would push interest rates and inflation higher, and send the dollar crashing if foreigners suddenly started dumping their holdings of Treasury securities.</p>
<p>None of those problems are evident now as the worst recession since the 1930s has depressed borrowing by consumers and businesses, giving the government a break on the interest it paid this year on the record debt. Net interest payments actually fell by about $10 billion in 2009 from 2008.</p>
<p>But economists worry investors will grow fearful of the nation&#8217;s ability to repay all the debt unless the administration and Congress begin developing credible plans to deal with the deficit problem once the recession has ended and unemployment has begun to come down.</p>
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		<title>Are You a Talented Writer, But Disinterested Marketer?</title>
		<link>http://www.internetmarketingiq.com/are-you-a-talented-writer-but-disinterested-markter.html</link>
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		<pubDate>Wed, 14 Oct 2009 21:56:30 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Affiliate Programs]]></category>
		<category><![CDATA[Make Money Online]]></category>
		<category><![CDATA[writing]]></category>

		<guid isPermaLink="false">http://www.internetmarketingiq.com/?p=744</guid>
		<description><![CDATA[You know the cliche &#8220;There is more than one way to skin a cat&#8221;. Well a lot of people are very talented writers, but not so talented marketers.  And you don&#8217;t have to be.  If you are truly talented as a writer then  you might want to consider selling your work on: HubPages Constant Content [...]]]></description>
			<content:encoded><![CDATA[<p>You know the cliche &#8220;There is more than one way to skin a cat&#8221;. Well a lot of people are very talented writers, but not so talented marketers.  And you don&#8217;t have to be.  If you are truly talented as a writer then  you might want to consider selling your work on:</p>
<ul>
<li> <a title="Hub Pages Tour" rel="nofollow" href="http://hubpages.com/_associates/user/new/" target="_blank">HubPages</a></li>
</ul>
<ul>
<li><a title="Constant Content" rel="nofollow" href="http://www.constant-content.com/" target="_blank">Constant Content</a></li>
</ul>
<ul>
<li><a title="Helium Writers" rel="nofollow" href="http://www.helium.com/" target="_blank">Helium</a></li>
</ul>
<ul>
<li><a title="Associated Content" rel="nofollow" href="http://www.associatedcontent.com/" target="_blank">Associated Content</a></li>
</ul>
<p>People with exceptional skills can make a pretty good living selling their writing&#8230; but it takes real time and talent.  And you MUST have an aptitude for correct grammar&#8230; so I&#8217;m out!</p>
<p>More places to investigate selling your writing:</p>
<p>Dailyarticle.com<br />
Demand Studios.com<br />
Families.com<br />
Methodshop.com<br />
Rentaghostwriter.com<br />
Reviewstream.com<br />
Squidoo.com<br />
Suite101.com<br />
Triond.com<br />
Wordfirm.com<br />
Xomba.com</p>
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		<title>Banking &#8211; Check Clearing Rules for USA Banks</title>
		<link>http://www.internetmarketingiq.com/banking-check-clearing-rules-for-usa-banks.html</link>
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		<pubDate>Wed, 23 Sep 2009 18:36:08 +0000</pubDate>
		<dc:creator>Internet Marketing IQ</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Check Clearing Rules]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.internetmarketingiq.com/?p=704</guid>
		<description><![CDATA[What is it with these banks that are so quick to hit you with a fee for spending more than you have in your checking account but take their own sweet time in crediting deposits? My colleague Andrew Martin and I heard that complaint repeatedly from readers after we wrote about overdraft fees earlier this [...]]]></description>
			<content:encoded><![CDATA[<p>What is it with these banks that are so quick to hit you with a fee for spending more than you have in your checking account but take their own sweet time in crediting deposits?</p>
<p>My colleague Andrew Martin and I heard that complaint repeatedly from readers after we wrote about overdraft fees earlier this month. The angry questions happened to arrive as we approach the five-year anniversary of when the federal law known as Check 21 took effect. The law allows banks to turn paper checks into digital images and settle them electronically instead of shipping bags of paper around the country on airplanes.</p>
<p>Once banks embraced the new procedures, money disappeared from your account much faster when you wrote a check. But the old laws on how quickly banks must credit your account when you make a deposit did not change at all. They still haven’t. In fact, they haven’t changed in more than 20 years.</p>
<p>In part because of that, consumers are suspicious that banks earn more money by not making the funds available until they absolutely have to. Banks, meanwhile, say that they often make deposited funds available before they know that the checks haven’t bounced.</p>
<p>The banks and the Federal Reserve have made some progress in speeding up many deposits. But the rules — and especially their exceptions — still trip up plenty of people.</p>
<p>So first, a refresher course on the rules, the ones the bank explained to you when you signed up for an account in a fine print document that you probably ignored. (I’ve posted links to more detailed explanations from the online version of this article.)</p>
<p>Banks are supposed to allow you to withdraw the following types of deposits no later than the next business day after the bank receives them: cash, electronic payments like paychecks and other direct deposits, government checks, postal money orders and cashier’s checks. That said, if you don’t make the deposits in person (say, if it’s through an A.T.M.), there may be further delay.</p>
<p>For other checks, the Federal Reserve rule that governs deposits makes a distinction between local checks and nonlocal checks. Once you deposit your check in your own bank, it may go to a Federal Reserve check processing center before it heads to the bank of the person or company who wrote it. If the same center services both banks, then the check is local. If not, it’s nonlocal.</p>
<p>Banks must make your deposits of local checks available no later than two business days after you hand them over. But they get a full five days on nonlocal accounts. In either case, they must make $100 available to you the next business day after the deposit as a sort of good-faith advance. That number, too, has not changed in two decades.</p>
<p>One piece of good news here is that because of the rapid adoption of electronic check imaging, the Federal Reserve is a year or so away from completing the consolidation of all its processing centers. As a result, many more checks are already local. So when you deposit them, they hit your account more quickly.</p>
<p>The bad news, however, is that there are still a number of exceptions that allow banks to put a hold on part or all of the deposit, often for at least five business days. Any deposit over $5,000 is automatically suspect. If your account has been overdrawn at least six days in the last six months, then the bank can delay all deposits to your account. If your account is less than 30 days old, then your bank gets the extra time there, too (plenty of fraud happens in new accounts).</p>
<p>The large deposit exception ensnares plenty of people, according to Gail Hillebrand, senior attorney for Consumers Union. They include those who are paid on commission or quarterly and those earning royalties, and a large number of others moving money around from, say, a brokerage account to their checking account to pay big medical or tuition bills or buy a car or house.</p>
<p>She suggested taking an active approach with the bank when big money is involved, deposit by deposit. “Ask the bank if there will be a hold and how soon you can have the money. Don’t assume it’s going to be there because the teller smiled at you and accepted it,” she said. “If you’re moving money for a big payment, do it well in advance.”</p>
<p>Banks can and do move faster than the regulations require. And some have pushed their daily deadlines for depositors later by a few hours. Credit unions, in particular, tend to clear deposits more quickly, according to a 2007 Federal Reserve study of the effect of Check 21.</p>
<p>But you can’t count on that happening. So if you can’t keep a cushion in your checking account to protect yourself from running out of money while waiting for deposits, there are a few other available tactics.</p>
<p>Use direct deposit for everything you possibly can, from government benefit checks to tax refunds to reimbursement from your health insurer or flexible spending account administrator. Freelancers who do regular work for large companies can often receive payment via direct deposit, too.</p>
<p>If you’re sending money to a child in school or supporting a relative in some other way, you’ll spare yourself a lot of desperate phone calls if you can find a way to transfer money electronically into their account from your own linked account, say by listing yourself on the account with them.</p>
<p>There’s one big win for consumers arising from Check 21 that should have happened by now but mostly hasn’t. It’s something bankers like to call remote deposit capture. In plain English, that means you scan the check using your home computer and send it to the bank without having to bother with envelopes and mailboxes or remembering to stop at the branch in person.</p>
<p>Banks were fairly quick to make this available for their biggest customers — businesses. But only a couple of hundred banks or credit unions have given it to consumers so far, according to Bob Meara, a senior analyst with Celent, a financial services consulting firm.</p>
<p>The early adopters tend to be institutions like USAA Federal Savings Bank, which has only one branch but has lots of customers serving in the United States military who don’t want to send money in from an Army base. In fact, the bank has gone a step further and created an iPhone application that allows many of its customers to take pictures of their checks and deposit them that way. One in four of the bank’s check deposits now arrive remotely.</p>
<p>Customers of bigger banks could get their deposits into their bank accounts a lot faster if only the institutions were willing to let them move money this way. So why don’t they?</p>
<p>According to Mr. Meara, 90 percent of all transactions with bank tellers involve checks. If everyone had an iPhone deposit app, people wouldn’t come into the branch as often. That would be fine had banks not invested so much time and energy in training branch workers to persuade checking account customers to move into more profitable products.</p>
<p>“One the one hand, fewer deposit transactions could mean a headcount reduction,” he said. “But it invites the erosion of store profitability. The banks are struggling with the enormity of what it means.”</p>
<p>It can’t hurt to ask your bank for this sort of deposit-at-home service. But Mr. Meara thinks it will be many years before everyone gets to use it. That’s too bad. Until the Federal Reserve acts to tighten the deposit crediting rules further, having more ways to make deposits is one of the best benefits that can still come out of Check 21. If only your bank were in a bigger hurry to give you the tools.</p>
<p>Source:  Yahoo Finance</p>
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