CheckVantage

Enables merchants to accept checks electronically.
www.checkvantage.com

NOVA Check Mates

Software program which allows you to accept checks online, by phone or fax.
www.checksoftware.com/

DraftAbility

Accept check payments over the phone, fax or Internet.
www.draftability.com

Chexpert

Offers electronic collection and recovery of returned checks.
www.chexpert.com/

PayByCheck

Provides Internet check processing, payment and verification systems. Services include submitting of checks electronically or by draft printing.
www.paybycheck.com/

eCheck2000

Provides electronic check processing and automatic debiting.
www.echeck2000.com/

Check by Fax, Inc.

Provides software to accept checks online or by phone.
www.accept-checks-online-phone-fax-email.com/

CheckMan

Software program which allows merchants to accept checks online, by phone or fax.
www.checkman.com/

Checks Only

Provides a service to accept check payments over the Internet, by fax, or by phone and print the check for deposit.
www.checksonly.com

E-complish, LLC

Offers interactive voice response and ACH processing for the collections industry.
www.e-complish.com/

Google Docs - An Essential Blogging Tool?


By Tony Bedford

In managing my blog one of the tools I rely on is Google Docs. In this article I provide an introduction to Google Docs and explain its advantages to those running an blog.

What is Google Docs?

Google Docs is best summarized as a completely web-based, simplified, free version of Microsoft Office. It provides basic functionality such as word-processing, spreadsheets and presentations. The fact that it is an online service gives it a number of advantages, but there are also one or two disadvantages you need to be aware of.

Web-based service

The fact that Google Docs is an online service has a great advantage, you can work on a document from anywhere you have Internet access and a browser. This is more convenient than it sounds. For example, I have several computers and, using OpenOffice, I might create a Word-compatible document on, say, my desktop computer. If I am then on the road I don't have access to that document from my laptop as the document might still be on my desktop computer's hard-drive.

There are ways to transfer between computers, and one technique I used in the past was to email the document to Hotmail. This ensured that I could access the document from any of my computers and it was backed-up by Microsoft. This wasn't convenient though as I ended up having several versions of the document on different computers and keeping track of the current version proved difficult. Google Docs solves this problem as all the documents you create are hosted by Google. You can access your documents from any computer that has a browser and Internet access.

Summary

I would say I am addicted to Google Docs and find it to be an essential part of running my blog - it is one of the main reasons I use Blogger. It is convenient, easy to use and being able to store your documents (and publish them) on the web is a huge advantage. I no longer have to transfer documents between computers or worry about issues such as versioning. It is very easy to be able to export the documents to a local file, such as a PDF. So far, I have found Google Docs to be invaluable.

Google Docs can be found at http://docs.google.com

Tony Bedford first started blogging in March 2000. Tony currently maintains a free guide to more profitable blogging at http://the-business-of-blogging.blogspot.com


A5

Alexa Traffic Rank - Improve Your Low Ranking


by Tim Predaina

Informing Alexa Of All Website Visitors

I wanted Alexa to know about "ALL" visitors my traffic exchange website was receiving, not just traffic from their toolbar users. I wanted them to know not because I support them, but because so many other users did. Users that were apparently unaware of the traffic-ranking prejudice. I accomplished this by installing the Alexa traffic rank banner on all of the pages within my website.


Free Advertising

The Alexa traffic rank banner is a free advertisment for them. Adding their banner to your site is a small price to pay for the increase in traffic rank. They offer several types of banners in different sizes, so it should be easy to one that fits your pages.

Since installing the code on January 15, 2007, the traffic rank for checks4free.com had improved by over 4.5 million within 15 days. That does not mean there was that much traffic. It means that the website had moved up the list from the number 6 million spot to approximately the 1 million spot.

You can view the Alexa traffic rank for the Checks4Free Traffic Exchange using this URL: http://www.alexa.com/data/details/traffic_details?url=checks4free.com.

Conclusion

If your website has a low Alexa traffic rank, I hope the suggestion in this article will help you to improve your ranking as well. The help file on the Alexa website talks about the biased ranking. However, to the millions of users that base an opinion about a website using the Alexa traffic rank, numbers speak louder than words. Your only other option is to hope that more Alexa toolbar users visit your website.

Tim Predaina is with Checks 4 Free, a free manual traffic exchange - http://www.checks4free.com - that delivers real visitors to your websites. Visit: http://copywriting.predaina.com for information about writing articles for content to build traffic.

R4

The Importance of Market Research


By Justin Kander

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

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

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

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

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

A7

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


by John Prodonovich

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

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

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

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

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

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

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

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

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

R6
Google
 

Yahoo Search Engine News

Citigroup shares drop; CEO plans to keep Smith Barney (Reuters)

Citigroup Chief Executive Vikram Pandit in a file photo. (Peter Morgan/Reuters)Reuters - Citigroup Inc Chief Executive Vikram Pandit tried to downplay speculation the banking giant might sell major businesses to restore its health and investor confidence, but shares still tumbled for a fifth straight day.



Obama moves to pick Geithner for Treasury (Reuters)

(From left) Senator Hillary Clinton, New Mexico Governor Bill Richardson, and Timothy F. Geithner, President of the Federal Reserve Bank of New York, are seen in a combination file photo. (From left Craig Mitchelldyer, Andrea Comas, Keith Bedford/Reuters)Reuters - President-elect Barack Obama on Friday moved toward nominating Timothy Geithner as Treasury secretary and charging the respected head of the New York Federal Reserve with helping pull the United States out of an economic nosedive.



Wall Street stages late rally on Geithner news (Reuters)

Traders work on the floor of the New York Stock Exchange, November 20, 2008. (Shannon Stapleton/Reuters)Reuters - U.S. stocks stormed higher in a late rally on Friday to cap another volatile week as investors welcomed reports that President-elect Barack Obama has chosen his point person to combat the U.S. economic crisis, instilling confidence about the administration's ability to take action.



Goldman cool to Citi deal even with U.S. aid: source (Reuters)
Reuters - Goldman Sachs Group Inc is not interested in buying hard-hit Citigroup Inc , even with substantial U.S. government financial support, a person familiar with Goldman's strategy said Friday.

Wal-Mart's Scott retiring as CEO, Duke to succeed (Reuters)

Wal-Mart's Lee Scott (L) and Mike Duke in a combination image. The world's largest retailer said Scott will retire as chief executive early next year, and will be succeeded by Mike Duke, who heads its international operations. (Combination/Reuters)Reuters - Wal-Mart Stores Inc , which is gaining market share amid a global economic downturn, said Lee Scott will retire as chief executive early next year and will be succeeded by Mike Duke, who heads its international operations.



Business Portal News

9 tips for the Google Mobile App for iPhone
Here are some tips to help you get the most out of Google’s new Mobile Application for the iPhone. To get Google Mobile App on your iPhone, go to the App Store and search for “Google Mobile App,” or click on this link to install from a computer. If you have an older version of Google [...]

Google Adds Voice Recognition to iPhone App
I have a very good feeling about Google’s new iPhone app that does voice recognition. I’ve been playing with this voice recognition application for several weeks and I have to say that I’m really impressed. First and foremost, the voice recognition works really well. Crazy long-tail specialized vocabulary is tricky (more on that later), but [...]

A word about metrics, part III: market share of Google Docs?
I’m not sure what Google Docs market share is, but I thought it would be interesting to mention a couple data points and add a new data point. Data point #1: Compete. Compete just estimated that 4.4M visitors stopped by Google Docs in September, which is just a hair below 2.4% of the U.S. online population, [...]

Pubcon/WebmasterWorld conference, here I come!
I arrive Wednesday afternoon for the 2008 Pubcon conference, and I’ll be staying until after the networking event on the last day, which is the heart of the event. It’s the heart because the networking event is held at a pub, and the original idea of Pubcon was that some of the best parts of [...]

Fun email
Every so often I get an email like this: Dear Webmaster, I have browsed your site and I’m interested in purchasing advertising space in it. I am mainly interested in placing a new page on your site with content and links that I will supply. Please let me know if you would like to discuss this further or if [...]

Google News

Zions Bancorporation Successfully Implements Orbograph's ... - MarketWatch

Zions Bancorporation Successfully Implements Orbograph's ...
MarketWatch - 7 hours ago
"Zion's check processing strategy targeted a reduction to our cost structure," explained Marc Keller, Senior Vice President - Item Processing Division ...

Rebate-check company files for Chapter 11 - Arizona Republic

Rebate-check company files for Chapter 11
Arizona Republic, AZ - 19 hours ago
... Continental had issued more rebate checks than it had cash to cover and decided to turn its rebate-check-processing business over to another company. ...

MyECheck Signs Agreement With Fortune 500 Company for Its Online ... - MarketWatch

MyECheck Signs Agreement With Fortune 500 Company for Its Online ...
MarketWatch - Nov 18, 2008
As the leader in Check 21 solutions and check image processing for online merchants, MyECheck provides merchants with financial access to more customers ...

Open Solutions' ABA-Endorsed Imaged-Based Item Processing ... - MarketWatch

Open Solutions' ABA-Endorsed Imaged-Based Item Processing ...
MarketWatch - Nov 18, 2008
"With the San Francisco check processing site soon to close, it was imperative for Metropolitan Bank to find a cost-effective means of processing checks," ...