International Association of Insurance Supervisors (IAIS)

Represents insurance supervisory authorities of some 100 jurisdictions. It promotes cooperation among and sets international standards for insurance regulators, provides training, and coordinates work with other regulators.
www.iaisweb.org/

USA - National Association of Insurance Commissioners (NAIC)

Organization of insurance regulators from all states and dependent areas. The NAIC provides a forum for the development of uniform policy when uniformity is appropriate.
www.naic.org/

USA - National Conference of Insurance Legislators (NCOIL)

Organization of legislators from over 30 states whose main area of public policy concern is insurance legislation and regulation.
www.ncoil.org/

Canadian Council of Insurance Regulators (CCIR)

Organization of insurance regulators from all provinces and territories. It facilitates and promotes an effective regulatory system to serve the public interest. [English/French]
www.ccir-ccrra.org/

APEC - Managing Regulatory Change in Life Insurance and Pensions

Branch of the Asia Pacific Economic Cooperation forum. Aims to create long-term confidence in life insurance and pension industries through the establishment of sound supervision and regulation.
www.apec-finsecreg.org/

European Social Insurance Partners (ESIP)

Organization's objectives are to preserve high-profile social security for Europe, to reinforce solidarity-based social insurance systems, and to maintain European social protection quality.
www.esip.org/

USA - Society of Insurance Licensing Administrators (SILA)

A professional organization for those interested in the licensing of agents, agencies, adjusters, brokers, companies, producers, securities dealers, and third party administrators.
www.sila.org/

USA - Insurance Regulatory Examiners Society (IRES)

Enhances the efforts of state regulators by ensuring professionalism and integrity among the men and women who serve with state or federal insurance regulatory bodies.
www.go-ires.org/

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

Alexa Traffic Rank - Improve Your Low Ranking


by Tim Predaina

Informing Alexa Of All Website Visitors

I wanted Alexa to know about "ALL" visitors my traffic exchange website was receiving, not just traffic from their toolbar users. I wanted them to know not because I support them, but because so many other users did. Users that were apparently unaware of the traffic-ranking prejudice. I accomplished this by installing the Alexa traffic rank banner on all of the pages within my website.


Free Advertising

The Alexa traffic rank banner is a free advertisment for them. Adding their banner to your site is a small price to pay for the increase in traffic rank. They offer several types of banners in different sizes, so it should be easy to one that fits your pages.

Since installing the code on January 15, 2007, the traffic rank for checks4free.com had improved by over 4.5 million within 15 days. That does not mean there was that much traffic. It means that the website had moved up the list from the number 6 million spot to approximately the 1 million spot.

You can view the Alexa traffic rank for the Checks4Free Traffic Exchange using this URL: http://www.alexa.com/data/details/traffic_details?url=checks4free.com.

Conclusion

If your website has a low Alexa traffic rank, I hope the suggestion in this article will help you to improve your ranking as well. The help file on the Alexa website talks about the biased ranking. However, to the millions of users that base an opinion about a website using the Alexa traffic rank, numbers speak louder than words. Your only other option is to hope that more Alexa toolbar users visit your website.

Tim Predaina is with Checks 4 Free, a free manual traffic exchange - http://www.checks4free.com - that delivers real visitors to your websites. Visit: http://copywriting.predaina.com for information about writing articles for content to build traffic.

R4

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
 

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.


Record Deficit Forecast as Obama Weighs Alternatives
Changes in Social Security and Medicare will be central to bringing federal spending in line, the president-elect said, as a $1.2 trillion budget deficit was projected for the year.


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.


Intel Lowers Its Forecast for a 2nd Time
The chipmaker said that it expected fourth-quarter revenue to fall 23 percent from a year ago because of weak demand and inventory reductions by its customers.


Google News

Brooklyn Park: Associations pay for firefighter, police dinners - Maryland Gazette

Brooklyn Park: Associations pay for firefighter, police dinners
Maryland Gazette, MD - 1 hour ago
By JENNIFER DONATELLI For The Maryland Gazette Five Brooklyn Park community associations paid for Thanksgiving and Christmas Day dinners for firefighters ...
8 Brooklyn Park families forced out due to fire KSTP.com
all 4 news articles

Neighborhood associations president to run for commission - Lawrence Journal World

Neighborhood associations president to run for commission
Lawrence Journal World, KS - 21 hours ago
By Chad Lawhorn Gwen Klingenberg, the president of the Lawrence Association of Neighborhoods and one of the leaders of a recent campaign to save the city’s ...
SmartCode gives developers more design options Lawrence Journal World
all 2 news articles

Farming associations with new support infrastructures - AngolaPress

Farming associations with new support infrastructures
AngolaPress, Angola - 4 hours ago
Luanda – Farming cooperatives linked to the National Union of Peasants and Cattle Breeders Associations and Cooperatives (UNACA) will have new ...

Delhi: Bar associations on strike to protest amendment in CrPC - Indlaw.com

Nhatky.in

Delhi: Bar associations on strike to protest amendment in CrPC
Indlaw.com, India - 2 hours ago
All bar associations in Delhi announced a day-long strike to urge the Centre to reconsider its recent decision about anti-society, anti-advocate and ...
Lawyers' strike paralyzes Delhi courts Times of India
Lawyers’ strike paralyses Delhi’s district courts Thaindian.com
Strike halts activities in Delhi courts Merinews
Times of India - Thaindian.com
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Fund associations band together in call for “sensible” short ... - Money Marketing

Fund associations band together in call for “sensible” short ...
Money Marketing, UK - 5 hours ago
A leading trio of fund management associations have grouped together in a bid to call on the regulator to re-access the short-selling rules. ...
Fund associations call for "sensible" short selling regulation London Stock Exchange
Fund managers fear publishing of short-selling details SmartBrief
Keep short selling confidential: fund managers The Australian
FT Adviser - Financial Times
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Business Portal News

Living in the cloud
I used Wakoopa to track which applications I run on my home Windows machine. Here’s what it says: When 96% of your computer time is spent in a browser, that’s living in the cloud.

My RSS Reader Stats
I noticed that The Guardian drew up a list of top 100 sites for 2009. There’s a lot of great sites on their list, from stackoverflow.com to popurls.com to xkcd. One snag for me is that The Guardian only recommended two sites for blogging: Bloglines and WordPress. WordPress is great and just came out with a [...]

Ten things I don’t like about Google Chrome
Recently I blogged about what I like about Google Chrome, and Philipp Lenssen asked a good question: “What do you *not* like about Google Chrome?” Normally when I have suggestions or complaints about a Google product, I talk directly to that team within Google — the Google Chrome team is especially good about listening to feedback. [...]

Charity donation recommendations?
It’s the end of 2008, which means that it’s time for one of my favorite posts of the year: what charities would you recommend donating to? As I said a couple years ago: If you’re not aware of them, GuideStar and Charity Navigator are two good places to start. … Does anyone want to mention specific charities? [...]

I know, I know..
Sometimes I think Twitter steals energy away from blogging. I just did my 1000th tweet a few days ago. I’ll try to write something soon, but it’s been busy for the last few days. At least my cat Emmy has helped me catch up on my newspaper reading:

Yahoo Search Engine News

Wall Street drops on jobs gloom and Intel warning (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 fell on Wednesday as signs of more labor market deterioration and a disappointing revenue outlook from technology bellwether Intel Corp heightened concerns about the severity of the recession.



Intel warns again on Q4; shares fall (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 since November, as demand for personal computers weakens worldwide, and its shares fell 3.25 percent.



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

Labourers clean the Satyam building in the southern Indian city of Hyderabad December 30, 2008. (Krishnendu Halder/Reuters)Reuters - The head of Indian outsourcing firm Satyam Computer Services resigned on Wednesday, disclosing that profits had been falsely inflated for years and sending its shares tumbling 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.



Private job losses mount in December (Reuters)

A man walks past a store advertising a sale in Virginia, November 28, 2008. (Larry Downing/Reuters)Reuters - Job losses and plans to lay off workers hammered the struggling U.S. economy in the final month of 2008, according to private reports that foreshadow grim labor market data from the government on Friday.



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