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Total Mortgage & Credit Services

Mortgage preapprovals, purchases, early renewals, transfers, consolidations, lines of credit.
www.canadamortgageservices.com/

CitiFinancial Canada

Specialises in personal, home equity and debt consolidation loans. Includes branch locator, description of services and company profile.
www.citifinancial.ca/

Stop 'N' Cash Inc.

Offers temporary financial assistance to individuals requiring immediate cash for short-term periods. Lists branch locations, contact details and franchise information.
www.stopncash.com/

Ceridian Canada Ltd.

Provides payroll and HRMS services to businesses of all sizes. Includes location information, as well as product and services details.
www.ceridian.ca/

Nationwide Payday Advance

Provides cash advances based on paycheque. Offers company history, FAQs and online application.
www.310loan.com/

www.Bankapplication.com

Offers online credit pre approval application services for vehicle and marine financing.
www.bankapplication.com/

Learning Dividends

Creates online educational material in finance for banks, financial institutions and the post-secondary education market. Offers company profile, description of products and services, rates and publications.
www.learningdividends.com/

Visa Canada

Information on Visa credit cards and programs in Canada, including information on business purchasing, business cards, business solutions and employment.
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MoneySense.ca

Source for personal finance and investment information. Features news and information on investing, planning, spending, tools, rates, small business and portfolios.
www.moneysense.ca/

Ledgers.com

Franchised network providing professional bookkeeping services to small businesses.
www.ledgers.com/

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

By John Prodonovich

The other day, I did a test to see how fast my videos would be found in the search engines and to see how well they would rank for the keywords I was optimizing my videos for.

The results were outstanding and should bring hope to anyone who feels that getting a #1 or top 10 listing on the major search engines is out of reach. Everyone can get top listings, with videos

The process was very simple. I filmed a video, submitted and tagged my video, and 13 hours later, I was in the #1 spot. Then, 24 hours later that same video on different video networks occupied spots 1, 2 and 3 on Google.

So, how easy is it to do? Very easy, just follow these steps and you'll be getting #1 listings on Google, MSN and Yahoo in no time flat.

First - Create your video. Use a video camera or digital video camera and get the digital file on to you computer so you can manipulate it in a video editing program. If you don't have a video camera, no problem, all you need is a microphone and an audio recording program like Audacity, and you can create an mp3 audio file with 30 seconds to 5 minutes of audio, and convert that audio to video. Don't worry, that's easy too, I'll tell you how in the next steps.

Second - Edit the video file to have the look, feel, URL's and production values you like. If you made an audio file, put that audio file into the video editing software. Most PC's come with Windows Movie Maker, which is free, and you can drop the Mp3 audio in there and place, random Digital pictures throughout the length of the audio file to create the "video" images that go along with your audio.

Third - Upload the finished video file, which should be in wmv format to a video submission host, called Tubemogul. At Tubemogul, you can upload unlimited videos, and then have those videos uploaded automatically to some of the more popular video hosting sites on the internet like Youtube, Google Video, Yahoo Video, Metacafe, Revver, and some other popular one.

Let me say that Tubemogul is also MORE than just a video posting service, they are MUCH more. They can track all the video views you get DAILY on EACH video hosting site. They'll provide charts and other track meta data, that is very important to marketers to daily track stats across all the video sites. And remember, it's all free to do this.

Fourth & Final Step - Push your videos out to the video hosting sites and let Tubemogul do the work for you. But a key element is, you want people to find your videos. The search engines find videos, not based on the content said inside them, but by the tags and descriptions about them. Tagging is the single most important element of getting traffic to other websites, based on what your video is tagged for.

Jeff Mills is giving away free home based business DVDs showing how people can make a six figure income, working from home and is giving away $757 in bonus marketing tools to anyone who claims one of the last remaining DVDs before they sell out. Claim your DVD at http://www.homebasedbusinessdvd.com

R9>

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

Pay Per Clicks


By Chad Sandifer

There are many advertising options out there for small and large businesses alike. A new phenomenon that has recently hit the scene is the use of sponsored link searches for advertising needs. Are sponsored links really the best way to allocate valuable advertising dollars?

A re occurring complaint I hear from many of my customers is that sponsored links are not developing the return on investment they desire. There are several key reasons to why this may be occurring. Sponsored links, or pay per click advertising, are links on the right hand side of most search engines. These links, historically, are only used by approximately 30% of the online search market. By using only sponsored links in your online marketing campaign, you have essentially cut out 70% of the market that may be searching for your business. Further, did you know that there is a constant bidding war on the sponsored side of the page? Business are having to spend valuable working time managing their sponsored link page to make sure the are staying on the first page, while not breaking the bank. Because most consumers don't search past the first page of search engines, it is a constant war to "out bid" your competitors and stay in those valuable spots. But what is to keep your competitors from clicking your links and costing you tons of money and headaches? Thankfully, Google (among others) have allowed you to set certain limits on the amount of money you wish to spend monthly on sponsored link searches. While pay per click ads may get you some form of business, I do not believe they are the end all in online marketing. It is important to recognize several key factors when thinking about investing in pay per clicks.

1) How can I minimize "fraudulent" clicks by my competitors

2) Are their other online options, for around the same cost, which can give me a better return on investment? and

3) Am I willing to cut our 70% of the search market by spending money on sponsored links?

For some businesses, pay per clicks work. I am not advocating that they don't. The law of "big numbers" may come into play here where if you do something long enough, the average return will be worth the investment. I have found other advertising mediums that allow my customers a better, more stable, return on their investment. Diversity is the key to the marketing game and in order to advertise to all corners of a market, it is necessary to weigh your options and decide if you have the time, and money, to play the "big numbers" game.

Chad Sandifer
http://www.tenlist.com

R7
Google
 

Yahoo Search Engine News

Jobs data and tech stocks send Wall Street lower (Reuters)

Traders work on the floor of the New York Stock Exchange, January 6, 2009. U.S. stocks rose on Tuesday as strength in the tech sector, led by a second day of gains for Apple Inc , blunted concerns about weak data on factory orders and pending home sales. (Brendan McDermid/Reuters)Reuters - Stocks slid on Wednesday after a report showing a larger-than-expected drop in private-sector jobs and a revenue warning from top chip maker Intel Corp added to signs that the recession is deepening.



Intel warns again on fourth-quarter revenue (Reuters)

Workers prepare an Intel booth for the Consumer Electronics Show (CES) in Las Vegas, Nevada in this January 6, 2008 file photo. The microchip maker said on Wednesday its preliminary fourth quarter revenue was worse than expected due to weaker global demand for personal computers, dragging its shares down 4 percent. (Steve Marcus/Reuters)Reuters - Microchip maker Intel Corp issued its second revenue warning on the fourth quarter since November, as demand for personal computers weakens worldwide, and its shares fell 3.25 percent.



U.S. says Madoff sent diamonds in violation of bail (Reuters)

Bernard Madoff is escorted in a vehicle from Federal Court in New York, January 5, 2009. (Lucas Jackson/Reuters)Reuters - One of the packages accused swindler Bernard Madoff sent in violation of a court order contained about 13 watches, a diamond necklace and other valuables worth more than $1 million, prosecutors said in court papers released on Wednesday.



Accounting scandal at Satyam could be India's Enron (Reuters)

Satyam Computer Services chairman Ramalinga Raju poses in his office in Hyderabad in an undated photo. (Handout/Reuters)Reuters - The head of Indian outsourcing company Satyam Computer Services resigned on Wednesday, disclosing that profits had been falsely inflated for years and sending its shares plunging nearly 80 percent.



Budget deficit to hit $1.2 trillion (Reuters)

President Bush greets President-elect Barack Obama at the White House, November 10, 2008. (Joshua Roberts/Reuters)Reuters - The U.S. budget deficit will swell to a record $1.186 trillion in fiscal 2009 as the global recession saps the economy, congressional forecasters said on Wednesday, presenting a daunting challenge to President-elect Barack Obama who has said tough choices will be necessary.



Google News

CANADA STOCKS-TSX drops 2.2 pct as oils, gold drag - Forbes

The Canadian Press

CANADA STOCKS-TSX drops 2.2 pct as oils, gold drag
Forbes, NY - 2 hours ago
The heavily weighted financial sector was also a drag, down nearly 2 percent, led lower by Manulife Financial and Royal Bank of Canada. ...
CANADA STOCKS-Toronto index may open higher as oil rallies Reuters
Gammon Gold, Manulife, Petro-Canada: Canadian Equity Preview Bloomberg
CANADA STOCKS-TSX powers higher for 6th straight session Reuters
Reuters - Reuters
all 371 news articles

Bank of Canada to Cut Rates to Historic Lows, Economists Say - Bloomberg

CTV.ca

Bank of Canada to Cut Rates to Historic Lows, Economists Say
Bloomberg - 2 hours ago
7 (Bloomberg) -- Bank of Canada Governor Mark Carney will cut interest rates to historic lows in the coming months to combat the country’s first recession ...
Canada to see 'pretty terrible' start to '09-panel Reuters
Economists predict more financial troubles for Canada in 2009 ... The Canadian Press
Cut taxes now, cut spending later, Flaherty told Globe and Mail
istockAnalyst.com (press release) - CEP News
all 67 news articles

Canada Budget Will Seek to Ease Credit, Flaherty Says - Bloomberg

CTV.ca

Canada Budget Will Seek to Ease Credit, Flaherty Says
Bloomberg - Jan 6, 2009
1 issue I’ve heard so far across Canada has been access to credit,” Flaherty said ahead of his third meeting in a tour of at least five cities to consult ...
Canada says to run big budget deficit in 2009-10 Reuters
Canada’s Flaherty Pledges to ‘Address’ Credit Access in Budget Bloomberg
Canada budget to have plan to emerge from deficit Reuters
Reuters - Reuters
all 484 news articles

American Devolution: What Went Wrong at the World Juniors - New York Times

New York Times

American Devolution: What Went Wrong at the World Juniors
New York Times, United States - 18 hours ago
The team was reeling from its 7-4 loss to Canada the night before and needed a shot in the arm and the first goal. (Schroeder lived on his forehand all ...
Canada wins fifth straight gold at world juniors USA Today
Our juniors show Canada is still No. 1 The Gazette (Montreal)
Canada wins world junior title Los Angeles Times
Bloomberg - The Canadian Press
all 984 news articles

Air Canada, WestJet say planes fuller in December - Reuters

Calgary Herald

Air Canada, WestJet say planes fuller in December
Reuters - 1 hour ago
CALGARY, Alberta, Jan 7 (Reuters) - Canada's two major airlines said on Wednesday their planes flew with higher passenger loads in December as Air Canada ...
WestJet, Air Canada fill more seats in December despite economic ... The Canadian Press
December travel boosts WestJet, drags down Air Canada CBC.ca
Air Canada, WestJet post record load factors Globe and Mail
RTT News - Winnipeg Sun
all 67 news articles

NY Times Business

Court Filing Details Items Sent by Madoff
Bernard L. Madoff violated his bail agreement by sending jewelry to his friends and family, prosecutors argued.


Austria’s ‘Woman on Wall St.’ and Madoff
Sonja Kohn, who gathered billions for Bernard L. Madoff from investors in Russia and across Europe, has disappeared from view.


$1.2 Trillion Deficit Forecast as Obama Weighs Options
With a $1.2 trillion budget deficit being projected, Barack Obama said changes in Social Security and Medicare will be needed to bring spending in line.


Satyam Chief Admits Huge Fraud
A top Indian outsourcing company massively inflated its earnings for years, the chairman said.


Ukraine Says Russia Shuts Down All Gas Supplies to Europe
As the pricing dispute escalated on Wednesday, the cutoff showed the first signs of hitting the European economy.


Yahoo Search Engine News

Jobs data and tech stocks send Wall Street lower (Reuters)

Traders work on the floor of the New York Stock Exchange, January 6, 2009. U.S. stocks rose on Tuesday as strength in the tech sector, led by a second day of gains for Apple Inc , blunted concerns about weak data on factory orders and pending home sales. (Brendan McDermid/Reuters)Reuters - Stocks slid on Wednesday after a report showing a larger-than-expected drop in private-sector jobs and a revenue warning from top chip maker Intel Corp added to signs that the recession is deepening.



Intel warns again on fourth-quarter revenue (Reuters)

Workers prepare an Intel booth for the Consumer Electronics Show (CES) in Las Vegas, Nevada in this January 6, 2008 file photo. The microchip maker said on Wednesday its preliminary fourth quarter revenue was worse than expected due to weaker global demand for personal computers, dragging its shares down 4 percent. (Steve Marcus/Reuters)Reuters - Microchip maker Intel Corp issued its second revenue warning on the fourth quarter since November, as demand for personal computers weakens worldwide, and its shares fell 3.25 percent.



U.S. says Madoff sent diamonds in violation of bail (Reuters)

Bernard Madoff is escorted in a vehicle from Federal Court in New York, January 5, 2009. (Lucas Jackson/Reuters)Reuters - One of the packages accused swindler Bernard Madoff sent in violation of a court order contained about 13 watches, a diamond necklace and other valuables worth more than $1 million, prosecutors said in court papers released on Wednesday.



Accounting scandal at Satyam could be India's Enron (Reuters)

Satyam Computer Services chairman Ramalinga Raju poses in his office in Hyderabad in an undated photo. (Handout/Reuters)Reuters - The head of Indian outsourcing company Satyam Computer Services resigned on Wednesday, disclosing that profits had been falsely inflated for years and sending its shares plunging nearly 80 percent.



Budget deficit to hit $1.2 trillion (Reuters)

President Bush greets President-elect Barack Obama at the White House, November 10, 2008. (Joshua Roberts/Reuters)Reuters - The U.S. budget deficit will swell to a record $1.186 trillion in fiscal 2009 as the global recession saps the economy, congressional forecasters said on Wednesday, presenting a daunting challenge to President-elect Barack Obama who has said tough choices will be necessary.



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