Association of Financial Guaranty Insurers (AFGI)

Trade association for the financial guaranty industry. Member firms insure and reinsure municipal bonds and asset-backed securities.
www.afgi.org/

WM Financial Strategies: Municipal Bond Insurance

Article written for the local government financing community. Describes bond insurance, the insurers, how to purchase it, and feasibility.
www.munibondadvisor.com/BondInsurance.htm

IRMI: Financial Lines-The New ART Frontier

Article discusses alternative risk transfer (ART) mechanisms as they relate to financial lines. Includes coverage of surety, financial guarantee, and structured credit.
www.irmi.com/expert/articles/clark005.asp

Real AdSense Secrets - Build Your AdSense Business Today


By Susan Velez

Google AdSense is a lucrative way to make money online without having to spend any money. However many people will start a blog and put some AdSense code on their blog and expect to see money begin to come in. Unfortunately this is not the way to build an AdSense business. However with these AdSense secrets I am going to expose you can literally be making money with in the first 30 days.

What are passionate about? Better yet what is "hot?" People are always looking for ways to treat something, buy something, or get information on something. If you can find a keyword that is "hot" and the crowd is starving for information about it, then you have found a "goldmine." People come to the internet to browse for all kinds of information and if you can find a way to get them the information that they have come to look for then the money you can make from your efforts are endless.

Before you run off to set up a free blog; by Google; find a niche that interests you and that you feel like you can become an expert on. Yes everyone can become an expert and you do have some wisdom in certain areas. You do not have to purchase a keyword tool finder at first you can find your niche keyword by going to Google' free keyword tool finder. However once you begin making some money by using these AdSense secrets I highly recommend purchasing a keyword tool finder it will give thousands of more keywords than the free tool

You can begin setting a free blog and begin writing. One important thing about making money with real AdSense secrets is you want to always make sure your content is original so that your blog can get good rankings with Google. Once you begin building your AdSense empire and start your blog; take the time to add fresh content everyday. Google loves content the more content you add the more traffic Google will send to your site.

This is where many people stop they put all kinds of pretty pictures on their blogs or websites and post a couple of times. Now they sit back and expect to get all kinds of traffic to their site so they can begin making money with AdSense.

However you must also learn about how to get one way links to your website to let Google know your site is there. The more one way links you can get to your site the more the search engines will think your site is of importance.

Hopefully these real AdSense tips will help you get started. If you want more information on how to build you AdSense business feel free to visit the website below

Learn how I get a check every month from Google for over $100 without spending any money on advertising. Get all the secrets here.


A6

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 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

Entrepreneurs - Why Use Free Tools To Grow Your Business? (Hint - Its Not What You Think)


by Tonya R. Taylor

To help you "Fake It Until You Make It", entrepreneurs and small business owners need to consider two critical objectives: the ability to act big on a small budget and look like a high quality-professional.

In order to accomplish these objectives you need to assess how technology can help you. If you're seriously interested in succeeding, answer these questions:

1. What tools will propel my business to the next level?

2. What tools are needed to run my business?

3. What tasks can be automated?

4. What tools will save time and increase efficiency?

5. What training is needed?

6. What tools will enhance customer relations?

7. What tools will enhance partnership relations?

8. What tools will enhance employee relations?

9. What tools are needed for data security?

10. What tools will make the business more competitive?

Before making a technology purchase, growing companies must consider the return on investment. Unfortunately, some benefits might not be tangible or cash may not be available to justify a purchase.

Since, you don't risk a cent, now is the time to make technology your BFF (Best Friend Forever). Take advantage of FREE technology tools, not just because they are FREE but to defy the odds, out perform competitors, increase revenue and propel your small business to the next level.

"101 Free Tools to Grow Your Business" (http://www.101freetools.com) is a handy FREE reference guide for small business owners who don't want to waste MONEY. You'll get the tools YOU need to power up your business fast! If you want to solve tomorrow's technology needs today visit http://www.101FREETools.com to get your FREE copy of this special report.

R5
Google
 

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.


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.


Fed Report Shows Downturn After October Shocks
The economic downturn took a turn for the worse after the market shocks in October, and in November the problems only became worse, according to the Fed’s “beige book.”


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 [...]

Yahoo Search Engine News

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

An employee works on a 2009 Ford F-150 on the assembly line at Ford's Kansas City Assembly Plant in Claycomo, Missouri, October 2, 2008. (Sam VarnHagen/Ford/Handout/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.



Stocks rally, helped by defensive shares (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 weak economic data and corporate outlooks.



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

Provident Financial Holdings Announces Its Participation in the ... - MarketWatch

Provident Financial Holdings Announces Its Participation in the ...
MarketWatch - 4 hours ago
These statements relate to the Company's financial condition, results of operations, plans, objectives, future performance or business. ...

Assured Guaranty Corp. Announces November 2008 US Public Finance ... - WELT ONLINE

Assured Guaranty Corp. Announces November 2008 US Public Finance ...
WELT ONLINE, Germany - 12 minutes ago
Assured Guaranty Corp. is a leading provider of financial guaranty insurance in the US and international public finance, structured finance and ...

Assured Guaranty Ltd. (AGO) - istockAnalyst.com (press release)

Assured Guaranty Ltd. (AGO)
istockAnalyst.com (press release), OR - 15 hours ago
In Moody’s current publication on the “Changing Business of Financial Guaranty Insurance,” they state: “Moody’s methodology for rating financial guarantors ...

What Lies Ahead In The Real Estate And Financial Services Industries - The Metropolitan Coporate Counsel

What Lies Ahead In The Real Estate And Financial Services Industries
The Metropolitan Coporate Counsel, NJ - 8 hours ago
Under this guaranty program, the Treasury would guarantee the payment of principal and interest on troubled assets with a premium collected from financial ...
GAO Report Says Bailout Program Needs More Oversight Washington Post
When is it time to say 'No' to another bailout? Tampabay.com
3GAO Says TARP Bailout Program Needs More Oversight ToTheCenter.com
Euromoney Magazine - MSNBC
all 735 news articles

Credit Derivatives, Asset-Backed Securities, Monolines - Past And ... - The Metropolitan Coporate Counsel

Credit Derivatives, Asset-Backed Securities, Monolines - Past And ...
The Metropolitan Coporate Counsel, NJ - 8 hours ago
Glass: Recently, the New York Insurance Department sent Circular 19 as a letter to all of the financial guaranty insurance companies that it regulates ...

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