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

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

The PSP Guide - How To Download Music and Video's to Your PSP


By Neil Gerstein

Congratulations on buying that new PSP. You bought some great games with your new PSP and to play them, all you need do is slip a cartridge in the slot and your good to go. Sweet, isn't life great. Hey, how about playing some of your favorite songs or watching one of your music videos on your new favorite toy. Oh! Oh! The store didn't have a cartridge for that! Now what? Don't panic, just follow the step-by-step instructions below and life will be sweet again.

To download music to your PSP you will need to follow these steps.

Definitions

CD Ripper Software - Software that extracts (rips) music/mp3 files from your CD and puts them in another file on your computer's hard drive.

PSP Video Converter - Converts your personal computers (PC) video/movie format files into Sony's PSP video/movie format so that you can view them on your PSP.

USB Cable - Cable used to connect peripheral equipment such as camera's, external hard drives and PSP's to your computer's USB port.

1) Put your music CD (the one with the songs you want converted) into your PC's CD drive. Start-up your CD Ripper software or PSP Video Converter.

2) Choose the songs you want to extract to your PSP and select "Extract & Encode". This will convert the selected songs PSP format and transfer them to a file on your PC's hard drive.

3) Using the USB Cable, connect your PSP to your computer.

4) Turn on your PSP and select "USB Connection" on your PSP. Your computer will automatically detect the new USB device connected to it and designate a new drive letter, usually E:, but not always. You can check in "My Computer" to be sure.

5) Create a new Folder (name it Music or Videos) under the E: drive or whatever letter your PSP was designated. This new folder will actually be your PSP.

6) It's time to start downloading your music and/or video files from your computer to your PSP.

7) That's all there is to it. After you have downloaded all of your favorite video's and music, disconnect the USB cable and you're good to go.

http://www.moviesmusicgamesandmore.com/games.html

I live in Largo, Florida where I work for the states largest Power Company. I currently have two websites, one being http://www.moviesmusicgamesandmore.com/ and I also have a Squidoo lens: http://www.squidoo.com/game-download-sites-review I also enjoy writing articles on different subjects.

A10

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
Google
 

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.



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.



Satyam chief quits, fraud scandal slams shares (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.



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.


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

Radian Sees Credit Line Cut, but Gains Flexibility - Trading Markets (press release)

Radian Sees Credit Line Cut, but Gains Flexibility
Trading Markets (press release), CA - 21 hours ago
... under a renegotiated deal that would grant the mortgage and financial guaranty insurer less-restrictive capitalization and net worth requirements. ...
CampusMBA Provides Radian With Loss Mit Training Mortgageorb
all 2 news articles

ACA Financial Guaranty Announces New General Counsel - MarketWatch

ACA Financial Guaranty Announces New General Counsel
MarketWatch - Dec 15, 2008
Founded in 1997, New York-based ACA Financial Guaranty Corporation is a financial guarantor of public finance obligations. The company proactively manages ...

Stock Losses Leave Pensions Underfunded by $400 Billion - Washington Post

Stock Losses Leave Pensions Underfunded by $400 Billion
Washington Post, United States - 2 hours ago
When companies go bankrupt and are unable to shoulder their pension obligations, the federally chartered Pension Benefit Guaranty Corporation steps in and ...

Fidelity National Financial, Inc. Opens New FNF 1031 Exchange ... - PR Newswire (press release)

Fidelity National Financial, Inc. Opens New FNF 1031 Exchange ...
PR Newswire (press release), NY - 3 hours ago
FNF provides a $100 million dollar Fidelity Bond and $50 million dollar Corporate Guaranty for each transaction. Fidelity National Financial, Inc. is a ...

PBGC Negotiates $55 Million In Pension Protection With Visteon - CNNMoney.com

PBGC Negotiates $55 Million In Pension Protection With Visteon
CNNMoney.com - Jan 5, 2009
WASHINGTON -(Dow Jones)- The Pension Benefit Guaranty Corp. Monday announced a $55 million negotiated deal with Visteon Corp. (VC) that provides the agency ...
Indiana Visteon Employees Receive Pension Protection Inside INdiana Business (press release)
all 19 news articles

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