AOC Adjusters Fresno, Ltd.

Serving central California. Provides details of service area, trade association memberships, insurance and bond.
www.aocadjusters.com/

Consumer Recovery Services

Located in Saginaw, Michigan. Provides information on qualifications, insurance and bond.
www.repomichigan.com/

J & S Recovery

Located in Billings, Montana. Provides information on qualifications.
www.jandsrecovery.com

Capitol Recovery Service

Coverage area includes New Jersey and eastern Pennsylvania. Provides information on exact coverage area, insurance and bond.
www.capitolrecoveryservice.com/

All Pro Recovery, Inc.

Located in Central Florida. Provides company's mission statement.
www.allprorecovery.com/

Nu-Era Services, Inc.

Located in Buffalo, NY.
www.nueraservices.com/

La-Chase Auto Recovery, Inc.

Coverage area includes Rhode Island, Massachusetts and Connecticut. Provides information on trade association memberships, insurance and bond.
www.lachase.com

Capital Recoveries, Inc.

Services NH, ME and MA. Includes privacy statement and information on license, insurance and bond.
www.capitalrecoveries.com/

General Adjusting Service, Inc.

Based in Indiana with nationwide coverage. Provides information on company history, staff, and trade association memberships.
www.repossessions.com/

Professional Collateral Retrievers

Located in Houston, Texas. Includes list of clients.
www.pcrgotcha.com/

SEO, the HTML Source Code and Competition


By Ricci Mathew

You have a business, and ever since you started the SEO campaign, business has been good and most of your business enquiries have been coming via your website. You are getting professional SEO support and an ongoing SEO program takes care of all your SEO work.They have optimized your website and now it attracts a fairly good quantity of relevant incoming traffic which has been resulting in good business enquiries and sales. Now, suppose you have other competitors for your business in your region and would like to know if your competitors also have an SEO campaign going on with their website. As you are ignorant on this issue it has been making you anxious. They have always been your stiff competitors so you can't just call them up and ask about it! So what do you do?

Ok, if you want to find out about your competitors are also optimizing their website it is a very simple process to find it out. It is not necessary for you to send some one out to spy on your competitors to get this information because it will only take you a few minutes to find out and confirm this information online. All you need to do is just go to your competitor's website and check on its HTML source Code!

This is how one should go about it. Go to the concerned web site's homepage on the browser and click on "view" and choose "source" and the HTML source code page opens up. If you are using Internet Explorer 2.x, right-click on the web page, and then click View Source. To view the HTML source code for a web page that contains frames, right- click the web page in a frame, and then choose "view source". Looking at this page you will be able to get the required information.

On this HTML source code page, just see if there are main keywords in the header tags KEYWORDS , the title tags KEYWORDS , and in the image alt tags KEYWORDS . These are always located near the top of the source code. Also if the content on the webpage has been optimized for the search engines, you will find that the text on the web page contains a minimal repeated use of the keyword. These clues are more than enough to confirm the fact that your competitor is also smart enough to have gone for website optimization. (Now you have another new area of competition and must outsmart him)

The author of this article is Ricci Mathew of Outsource Strategies International (OSI), a US based company that offers services in Search Engine Optimization, SEM, PPC advertising for clients across the US.

A4

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

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

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

Northern Rock extends repossessions grace period - The Associated Press

Times Online

Northern Rock extends repossessions grace period
The Associated Press - 9 hours ago
LONDON (AP) — Northern Rock, the nationalized mortgage lender, said Wednesday it would wait at least six months before moving to repossess homes when ...
Rock delays moves on repossession BBC News
Northern Rock Joins RBS NatWest on Repossession Pledge 100 Mortgages
Northern Rock delays repossessions ShareCast
MyFinances.co.uk - CityWire.co.uk
all 1,391 news articles

Brown Offers 1 Billion Pound Mortgage Loan Guarantee (Update2) - Bloomberg

Telegraph.co.uk

Brown Offers 1 Billion Pound Mortgage Loan Guarantee (Update2)
Bloomberg - 4 hours ago
“It will provide an additional tool to complement our comprehensive procedures for potential repossession cases.” Foreclosures totaled 11300, compared with ...
Brown unveils mortgage help plan BBC News
Northern Rock delays repossession orders Times Online
UK to Help Homeowners at Risk of Losing Homes Washington Post
Telegraph.co.uk - BBC News
all 186 news articles

UPDATE 1-RBS announces six-month repossession grace period - Reuters

UPDATE 1-RBS announces six-month repossession grace period
Reuters - Dec 1, 2008
L: Quote, Profile, Research, Stock Buzz) on Monday said it would not repossess the homes of mortgage customers who default until six months after they first ...

Region first to benefit from repossession aid - Northern Echo

Region first to benefit from repossession aid
Northern Echo, UK - 12 hours ago
The package aims to save homes from repossession by offering three alternatives. ● Shared ownership – allowing Registered Social Landlords (RSLs) to buy a ...

Repossession: Q&A - Telegraph.co.uk

Repossession: Q&A
Telegraph.co.uk, United Kingdom - Dec 1, 2008
With RBS announcing that it will not start repossession proceedings for six months, we answer some of your questions about repossessions. ...
RBS announces six-month repossession gap Money High Street
Bank to delay repossessions by six months Which?
all 3 news articles

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.


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.

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