BankDirect

Offers a full-range of banking services on the Internet.
www.bankdirect.com/

First Internet Bank of Indiana

Offers real-time online banking services to customers in Indiana, as well as checking, savings, and lending services.
www.firstib.com

Egg - Prudential Banking

UK-based Internet bank gives customers online access to their accounts.
www.egg.com

Online Banking Report

A monthly newsletter giving an informed but independent review of all the latest developments in online banking.
www.onlinebankingreport.com/

Commerce Bank Online

Provides customers with online access to financial services.
www.commerceonline.com

Ohio Savings Bank By Net

An internet-based banking system that allows customers to access their bank accounts online.
www.ohiosavings.com

First Source Direct

Access bank accounts with a personal computer.
www.1stsource.com/

Cahoot

Offers online banking services.
www.cahoot.com/

Bank Caroline

Offers banking and financial services via the Internet.
www.bankcaroline.com/

Banking 365 Online

Online service for Bank of Ireland customers.
www.365online.com/

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

Branding Ideas For Small Businesses


By Janice Jenkins

Creating your own brand is the first step to having a successful marketing campaign for your business. Brand is everything when it comes to advertising. When you have a brand, you are most likely to be recognized and remembered by your clients, as well as your potential customers.

So how do you create an effective brand for your business? Here are surefire ideas to help you create that unique brand that will distinguish you from the rest of your competition.

First things first - your business cards are your representation to your clients, colleagues and prospects. It is your tool to introduce your contact information, in addition to your name and your company's as well. It is a no brainer therefore that your custom cards should have your address as well as your telephone number. It doesn't matter if you are a work-from-home designer, or your shop is adjacent to your garage - you need to have your address in your business card printing pieces.

A location and contact information that your clients can go to or call greatly enhances your credibility as well as your reliability. An address helps you create an established image that your customers can rely on. For privacy issues however, you can always use a P.O. Box address so you won't need to give away your house location.

Second, never leave your house without your full color business cards. This is practically a no-no when it comes to marketing your business. Every moment, each place, and every person you meet is an opportunity presenting itself. Carrying a batch of your cards with you wherever you go allows you more chances of letting other people know about your business. The same goes with your other print ads such as brochures, flyers, postcards, posters and catalogs.

Always remember to reduce your marketing costs. That's the third suggestion. Especially that you're a small business operating on a limited budget, you will always have a problem trying to make ends meet as advertising per se is costly and expensive. Coming up with creative ways to lessen your business card printing costs for example, can save you a lot of money which you can apportion to other operating expenses.

What about your letterhead? Would you like to save on them too? The fourth tip is to design your letterhead to be used as your paper for invoices, flyers, proposals, press releases, some documents in your media kit, and anything else you need to have your logo and company name. Not only do you provide professional image with your brand posted in all your marketing documents, you also help your clients and prospects remember you that easily.

Finally, think of more creative ideas to help you get your message out there. And don't forget your name and contact information. The more times your target audience sees your ad, the better are your chances of getting your brand recognized and retained in the minds of your customers.

Janice Jenkins is a writer for a marketing company in Chicago, IL. Mostly into marketing research, Janice started writing articles early 2007 to impart her knowledge to individuals new to the marketing industry.

For comments and inquiries about the article visit: Business Card Printing

A9

How To Achieve Pagerank 5 For Your Website For Free


by Jazz Lai

There are many small business owners doing ecommerce online who are struggling, trying to increase their top page rank ratings. This is very time consuming and expensive. A lot of ecommerce businesses do not have a budget to allow them to take advantage of link buying, or other endeavors to increase the page rank ratings they need to make the money the big guns do.

How do you build a website for PR0 to PR2?

Here are some helpful hints that will work for you to get a top page rank on Google.

Get a private domain name. This is essential in this business. Be online for a few months. Make sure you change your content regularly, at least once a week. Have at least fifty inbound links that work.

This next step is tricky but not difficult. Have between 50 to 100 plus articles on your site. Submit your website to all of the necessary directories. Begin to link your website in the forums. Become a member of Google's PayPerClick Program. Google will welcome you with open arms. You invest twenty dollars to join Google's PPC program once. Done correctly, you will get back this small investment within a few short months.

It is a wonderful idea to make friends with Google. It is the number one search engine right now. Google's index spiders search the internet, finding sites to rank them against relevance. This takes some time for the spiders to do their job, sometimes up to several months, so have patience because it will take a few months for your site to get indexed.

A page rank of 5 can be reached by generating at least 10,000 links. This sounds daunting but it is not impossible. When you have 200 pages of content with each page having thirty or more links to other pages, those inside links will generate 6,000. Google's spiders will count the links inside the site because the size of your website is just as important as the links inside of it. This is especially valid when all of your website's content is alike.

This method will work for you, but you will have to be patient and allow some time to pass. Give it a few months, then begin checking at Google to see where your page rank is. From here, you will have a good idea in a few weeks if it is moving up, or down in page rank. If it is moving down, then you need to tweak your site, or adjust the keywords and keyword phrases.

Jaz Lai is an internet network marketing prospecting expert expert. Download your free white paper and audio on how to use the internet to Double or Triple your organization within the next 30 days. Available for the next 24 hours only, click below for instant access:

http://www.HowToNetworkMarketing.com

R3
Google
 

Yahoo Search Engine News

Wall Street jumps on Coke and other defensive plays (Reuters)

Trading specialists work on the floor of the New York Stock Exchange, December 3, 2008. (Chip East/Reuters)Reuters - Stocks rose for a second day on Wednesday as investors flocked to shares of Coke and other companies that hold up well in recessions following another round of disappointing economic data and corporate outlooks.



All options on table as Congress reviews autos bailout (Reuters)

Chrysler assembly worker Leroy Feltz works on a 2009 Jeep Wrangler at the Toledo Supplier Park Jeep plant in Toledo, Ohio December 3, 2008. (Rebecca Cook/Reuters)Reuters - All options were on the table on Wednesday as congressional committees scrutinized auto company restructuring proposals and an urgent appeal for $34 billion in aid ahead of make-or-break hearings.



Private jobs, services slump show recession toll (Reuters)

A man walks past a store advertising a sale, on 'Black Friday' in Fairfax, Virginia, November 28, 2008. (Larry Downing/Reuters)Reuters - Private employers cut 250,000 jobs in November, an unexpectedly large number and the biggest in seven years, while the service sector, which powers most of the economy, posted its worst slump on record.



Paulson said weighing bailout's next $350 billion (Reuters)

Treasury Secretary Henry Paulson speaks at a news conference at the Treasury Department in Washington, November 25, 2008. (Jason Reed/Reuters)Reuters - Treasury Secretary Henry Paulson is weighing whether to ask Congress for the remaining $350 billion of the financial bailout fund, with White House aides approaching President-elect Barack Obama's transition team about the idea, an Obama aide said on Wednesday.



Cyber Monday spending rises 15 percent: comScore (Reuters)
Reuters - Online retail spending rose 15 percent on the all-important Monday after Thanksgiving from a year earlier, sounding a positive note in an otherwise bleak holiday season.

Google News

Report: Goldman mulls online banking - InvestmentNews

Sify

Report: Goldman mulls online banking
InvestmentNews, NY - 3 hours ago
Goldman Sachs, along with fellow New York-based investment banking giant Morgan Stanley, decided to change their status to bank holding companies as a ...
Goldman Considers Online Bank Wall Street Journal
Goldman Sachs considers launching an internet banking unit The Paypers (abonnement)
Internet banking at Goldman Sachs (GS) BloggingStocks
Motley Fool - 24/7 Wall St.
all 163 news articles

Goldman Sachs Considers Launching Online Bank - AHN

Goldman Sachs Considers Launching Online Bank
AHN - 5 hours ago
New York, NY (AHN) - According to recent reports, Goldman Sachs is contemplating whether to open an online banking division as it makes moves to expand its ...

Bank of America Announces Fourth Quarter and Full-Year 2008 ... - MarketWatch

Bank of America Announces Fourth Quarter and Full-Year 2008 ...
MarketWatch - 8 minutes ago
... relationships with more than 6100 retail banking offices, more than 18000 ATMs and award-winning online banking with more than 25 million active users. ...

More Online Retailers Help Customers Shop and Manage Finances by ... - MarketWatch

More Online Retailers Help Customers Shop and Manage Finances by ...
MarketWatch - 6 hours ago
eBillme(TM) is the only online payment solution that extends the convenience of online banking to the merchant's checkout, reducing the security risks of ...

Mobile Banking expected to soar; ClairMail says 2-way mobile ... - ATM marketplace.com (press release)

Mobile Banking expected to soar; ClairMail says 2-way mobile ...
ATM marketplace.com (press release), KY - 7 hours ago
ClairMail customers have seen upwards of 25 percent adoption by online banking consumers — the industry adoption rate for a bank's online consumer base ...

Business Portal News

PubCon video interview
I spoke at a few conferences in the second half of 2008, and a video interview from PubCon recently came out. The always-charming Mike McDonald and I did a 10 minute video interview at PubCon a couple weeks ago. A few of the topics that this interview covers: - how personalized search affects SEO and how ranking [...]

Browser Market Share?
I hadn’t looked at my browser marketshare in a while, so I fired up Google Analytics: Rough browser numbers are Firefox 57.58% IE 26.07% Safari 6.48% Chrome 5.11% Opera 2.35% Mozilla 1.44% SeaMonkey 0.48% Mozilla Compatible 0.18% Konqueror 0.13% Camino 0.04% OneStat says that they see 0.54% share for Google Chrome. Net Applications provides an hour-by-hour graph, which is nice, but they hardwired it to look for the string “Chrome 0.2″ when Chrome is on version 0.3 [...]

Trying (and failing) to get Ubuntu to work
I really want to run Ubuntu, but it shouldn’t be this hard. Plugging in an SD card reader that I picked up from Best Buy shouldn’t cause a hard freeze of my system (on both Gutsy Gibbon and Intrepid Ibex): The card reader works fine in Windows. At this point, I’m honestly thinking about crashing the [...]

Where did udevmonitor go?
In case you’re looking for the “udevmonitor” program on the Intrepid Ibex version of Ubuntu, it’s changed; use “udevadm monitor” now: $ udevadm help Usage: udevadm COMMAND [OPTIONS] info query sysfs or the udev database trigger request events from the kernel [...]

Virtual terminals not working? Check your keyboard.
(This is a boring post that I’m writing for people that have this same problem in the future. Just skip it.) Every good Linux user knows that if you want to drop from X down into a text-based virtual terminal, you can press control-alt-F1 (or any other key up to F6), and control-alt-F7 returns you to [...]

NY Times Business

U.A.W. Says It Would Consider Modifying Contract
The union’s president said it would suspend its jobs bank and let carmakers delay a health-care fund payment.


Lead Director Pins G.M.’s Hopes on Federal Rescue
G.M.’s lead outside director said that the board is behind the chief and does not consider bankruptcy an option.


DealBook: Management Wins Neuberger Berman Auction
The bid by Lehman’s Neuberger Berman team trumped a previous bid by two private equity firms, Bain Capital and Hellman & Friedman.


German Automakers Brace for a Slowdown
As carmakers take steps to reduce inventories, an auto official has even raised the sensitive issue of potential layoffs.


Harvard Endowment Loses 22%
University officials have been told to expect a 30 percent drop in the endowment’s value because of the financial turmoil.


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