Ford Credit

Consumer and commercial vehicle loans and leases, financial tools, access accounts online.
www.fordcredit.com/

Chrysler Financial

Provides consumer auto loans and leases and dealer financing throughout North America.
www.chryslerfinancial.com/

UDriveHome

Offers nationwide auto financing for all credit histories.
www.udrivehome.com/

The Ace Group, LLC

Financing tools for dealerships. Does not offer direct financing to consumers.
www.autocreditexpress.net/

Union Leasing Inc.

Providers of commercial fleet leasing. Located in Chicago, Pittsburgh, Akron, & Phoenix.
www.unionleasing.com/

Motor Car Loans

Offers details of auto loan and insurance facilities in the US and UK.
www.motorcarloans.com/

SCC Finance

Provides finance packages for individuals and businesses in the UK, including commercial vehicle finance and personal contract purchase (PCP).
www.sccfinance.com/

PRC Recreational Vehicle Financing

North American RV financing. Online loan application and Financing Calculator
www.lowrvfinancing.com

Dragon Auto Finance

English based suppliers of vehicle finance. Facilities to deal with low/bad credit.
www.dragonautofinance.com

Swap a Lease

Providers of car leasing transfers. Unique site that provides the service of transfering existing leasing contracts to new owners.
www.swapalease.co.uk

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

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


By Jeff Mills

Proper tagging elements include coming up with a TITLE for the Video, a DESCRIPTION, and TAGS or KEYWORDS. Let me say a little about each area.

The TITLE tag is the #1 most important tag. It's the one the search engines will display in the search results. If someone searches for "free home based business dvd" in a search engine, and you are offering a free home based business dvd, you want your website to come up, as well as your video. So tag your Title well, with up to 3 phrase or keywords you are hoping to be found by. As a marketer, you can find out what are the most popular keywords by simply looking at Google's Trends website. Search for Google trends and they tell you what is hot right now in search.

The DESCRIPTION tag is the #2 most important tag. I always recommend, if you are plugging a website or are marketing something, put the URL as the first thing people see in the description slot, follow by a logical telling of what the video is about, being mindful of good keywords and phrasing. Make sure the URL begins with http:// in the front, as some movie hosting sites will turn it into an active an hyperlink, while sometimes they won't. I dunno why they work sometimes, and then not work others.

The TAGS are simply the keywords and phrases to plug your video with. Don't be stingy with your tagging. Get em all in there so you might be found, but try to be a relevant to the video and do not tag spam!

Finally - Make sure all your login and pw info is stored correctly in Tubemogul so that your videos will post correctly to the video hosting sites, and then push the button that makes this machine come alive and within hours, you'll see your videos posted in their appropriate places in your accounts. I love using tools which can easily automated task one used to have to do by themselves.

Do a quick Google search, using the title of your video and see how fast Google has indexed that video. When I did this last time, within 24 hours, I had the top 3 listings for the keywords I wanted to be found and listed with.

So, making a video or using audio and pictures to make a video is really simple. Once you have your video made, upload it to Tubemogul, tag it and post it and within hours your videos will be all over the search engines bringing you free leads and traffic daily.

Jeff Mills is a former Youth Pastor of 9 years, and now a self made millionaire, a full time internet information entrepreneur, seminar promoter, book author, speaker, sales coach, and also an avid traveler. Learn more about Jeff at http://www.whoisjeffmills.com

R10

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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
 

Business Portal News

Stupid Digg + a kitten
Sorry that the blog was down for a few hours. Yesterday I did a throwaway post that somehow ended up getting 3800+ diggs or so. I didn’t have WP-Cache or Supercache turned on, so my blog melted to a little puddle of fail. “Matt, you idiot! How you could run a modern WordPress blog [...]

YouTube adds “Read Comment Aloud” feature from xkcd
A couple weeks ago, xkcd ran this funny comic: Randall Monroe, the creator of xkcd, suggested that if YouTube commenters had to listen to their comments read back to them aloud, it might lead to better discussion on YouTube. Some Googlers thought that was a pretty fun suggestion, so they did it. YouTube now has an [...]

Halloween costume for 2008?
I think I know what I’m doing for Halloween this year, but if anyone wants to throw out suggestions, I’d be delighted to hear them.

My Five Months With Google Chrome
Om Malik wrote an interesting post about Google Chrome one month after the public launch. While I was reading Om’s post, I realized that I wrote a post for the Google Chrome release that I never published. I’ll include it here, and then let’s meet at the bottom and compare notes. Like many Google [...]

Quick comment for pixelrn
I tried to leave a comment on pixelrn.com but the problem with talking about hacked sites is that you often end up using language that gets flagged as spammy. Here’s what I tried to say but the WordPress installation over on pixelrn wouldn’t let me: Hi Beth, I checked and it doesn’t look like you have [...]

Yahoo Search Engine News

World holds its breath as bank bailouts take shape (Reuters)

General view of the leaders of the euro zone countries attending a meeting at the Elysee Palace in Paris October 12, 2008. France's President Nicolas Sarkozy and leaders of euro zone countries hold an emergency meeting in Paris to agree on specific, pan-European measures to prop up the battered financial sector and halt market panic. (Charles Platiau/Reuters)Reuters - The world readied on Monday for a slew of bank bailouts worth hundreds of billions of dollars in an effort to staunch the credit rout that threatens to tip the global economy into recession.



Wells Fargo wins Fed approval on Wachovia bid (Reuters)

A sign marks a Wachovia building in Dallas, Texas October 9, 2008. (Jessica Rinaldi/Reuters)Reuters - The Federal Reserve on Sunday gave its stamp of approval to the takeover of Wachovia Corp by Wells Fargo & Co of San Francisco, which had battled New York-based Citigroup for ownership of the wounded bank.



Morgan Stanley and MUFG renegotiating pact: source (Reuters)

The exterior of the headquarters of investment bank Morgan Stanley is pictured in New York City, September 17, 2008. (Mike Segar/Reuters)Reuters - Japan's Mitsubishi UFJ Financial Group, which has watched Morgan Stanley's share price plunge 58 percent last week, is seeking more favorable terms to its $9 billion deal, a person briefed on the matter said.



Beyond merger talks, GM eyes federal funds (Reuters)

The grill emblem on the 2007 Chevrolet Impala during the Chicago Auto Show, February 7, 2007. (John Gress/Reuters)Reuters - What's good for General Motors Corp is good for the country.



Ford friction led to Leclair's exit: report (Reuters)
Reuters - The retirement of Ford Motor Co's chief financial officer last week came after increasing friction between him and other senior executives, The Wall Street Journal said citing people familiar with the matter.

NY Times Business

Bold Pledges From Leaders, but Investors Await Details
Europe’s decision to guarantee lending between banks has thrown the spotlight back to the United States, where officials are said to be studying the feasibility of doing likewise.


U.S. Officials Said to Offer Protection to Japan Investors
The investment in Morgan Stanley by Mitsubishi UFJ Financial Group could be a crucial step in the strategy for revitalizing the American financial system.


High & Low Finance: After Weekend Financial Huddle, No Sign That Lenders Will Thaw
There is concern that new guarantees could cost American taxpayers far more money.


Margin Calls Prompt Sales, and Drive Shares Even Lower
Those who had bought stocks using borrowed money have been forced to sell millions to settle so-called margin loans with banks.


U.S. Missteps Are Evident, but Europe Is Implicated
Experts say lenders in Europe all too willingly embraced many of the riskiest practices of their American counterparts.


Google News

Car Biz Driven to Despair - Adweek

Adweek

Car Biz Driven to Despair
Adweek, NY - 4 hours ago
There will still be people out there buying cars, and the trick will be to identify them and what triggers them to purchase." Catherine Bension, CEO of ...

* GM, Chrysler have had early-stage merger talks-sources - guardian.co.uk

* GM, Chrysler have had early-stage merger talks-sources
guardian.co.uk, UK - Oct 11, 2008
Cerberus also had talks with a number of Chinese automakers, including Chery Automobile Co Ltd, FAW Car Co and SAIC Motor, about access to its US dealer ...
Video: Source: Chrysler, GM Discuss Joining Forces AssociatedPress
Chrysler discusses marriage of convenience with GM Business Report
Chrysler, GM talk of joining forces Buffalo News
Detroit Free Press - Wall Street Journal
all 1,879 news articles

Capital One Ends Financing of NY, NJ Car Dealers (Update2) - Bloomberg

Capital One Ends Financing of NY, NJ Car Dealers (Update2)
Bloomberg - Oct 10, 2008
JPMorgan Chase & Co. and Bank of America Corp. remain leaders in providing financing to auto dealers, he said. As many as 600 new-vehicle retailers in the ...
Capital One Ends Financing of NY, NJ Car Dealers (Correct) Bloomberg
all 35 news articles

Car loan crunch squeezes customers and dealers - MiamiHerald.com

Car loan crunch squeezes customers and dealers
MiamiHerald.com, FL - Oct 11, 2008
Because of the credit crisis, even those who want to buy a car are having trouble getting a loan. ''It's really affecting everyone, across the board,'' said ...

Slow sales plague car industry - WTOP

Slow sales plague car industry
WTOP, DC - 14 hours ago
That allowed customers to shop for a car and secure financing at the dealership through a bank or other lender. Now, Konoza said, many banks have stopped ...

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