Charge-Off Clearinghouse

Conducts online portfolio auctions.
www.chargeoffclearinghouse.com/

Collins Financial Services, Inc.

Company information and listings of available portfolios.
www.cfsi.net/

Debt Marketplace

Assists buyers and sellers in all aspects of delinquent debt. Online listing of available portfolios.
www.debtmarketplace.com/

E-Debt Financial Services, Inc.

A secure, Internet-based purchasing solution that enables financial institutions, investors and collection agencies to buy and sell debt portfolios.
www.e-debt.com/

Oliphant Financial Corporation

Buyer and seller of charged-off national credit card portfolios.
www.oliphantfinancial.com/

Debt Buyers Association

Network of industry professionals, dedicated to building a reliable and credible market for delinquent receivables.
www.debtbuyers.com/

Unifund Corporate Group

Purchases debt portfolios and partners with collection professionals to effect recovery.
www.unifund.com/

Loan Trade, Inc.

Broker of performing and non-performing portfolios of consumer loans and receivables.
www.loantrade.com/

Bid 4 Assets

Online auction of distressed assets from financial institutions, government and private industry.
www.bid4assets.com/

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

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

Google
 

Business Portal News

Ideal conference badge
I don’t even know how many conferences I’ve been to in the last decade, but it’s probably 30-40. In that time, maybe 2-3 conferences have really nailed the conference badge for attendees. Here’s what the ideal conference badge should look like, in my opinion: I’ll walk you through the important features of this badge: - Each attendee’s [...]

Webspam in 2009?
It’s the beginning of the year, so I just wanted to get some outside opinions: what would you like to see Google’s webspam team tackle in 2009? Here’s how I asked for suggestions in 2006: Based on your experiences, close your eyes and think about what area(s) you wish Google would work on. You probably want [...]

Start the Year with an Empty Inbox!
Here’s a nice Gmail tip that will make you feel like a million bucks: empty out your crufty email inbox. There’s nothing like an empty inbox to motivate you and give you a fresh start for the year. “But Matt,” you say, “my inbox is my to-do list!” I know, me too. So here’s how to [...]

Chrome Provides Dedicated Privacy Options
I was browsing the web when I ran across a statement about Google Chrome that I’ve seen echoed in different ways in the last couple months: “the reality is that Google Chrome is sending basic info about my pc back to them. Is Google the new “Big Brother” looking over everybodies [sic] shoulder…you betch ya.” I’ve [...]

Last Toolbar PageRank update of 2008
In case you didn’t see where I confirmed it on Twitter, Google recently did a toolbar PageRank update. It’s pretty much done now. If you want more info, I’ve answered questions about PageRank and the Google Toolbar in the past. I predict that this will be the last toolbar PageRank update of 2008.

Google News

Just When You Thought It Couldn't Get Any Worse - Motley Fool

Just When You Thought It Couldn't Get Any Worse
Motley Fool - 11 hours ago
Fraud, unfortunately, is a fact of life in the financial world, be it Enron, Satyam, Bernie Madoff, or the thousands of mortgage brokers and bankers who ...

Brokers positive on Marks & Spencer's cost-cut move - Reuters UK

Brokers positive on Marks & Spencer's cost-cut move
Reuters UK, UK - 16 hours ago
L) cost-cutting plans, but another one took a bearish position citing debt and structural problems. Upgrading the stock to "overweight" from "neutral," JP ...
Marks & Spencer upgraded to overweight at JP Morgan MarketWatch
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Stocks Bear Market, Setting the Bull Trap - The Market Oracle

Reuters

Stocks Bear Market, Setting the Bull Trap
The Market Oracle, UK - 7 hours ago
Esoteric securities have been relocated from the balance sheets of reckless banks and brokers to the US Treasury, FDIC and Federal Reserve. ...
Banks borrow more, investment firms less from Fed Forbes
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Enzon Pharmaceuticals Extends Tender Offer for a Portion of Its Debt - WELT ONLINE

Enzon Pharmaceuticals Extends Tender Offer for a Portion of Its Debt
WELT ONLINE, Germany - 13 hours ago
... for banks and brokers, (212) 430-3774. Enzon Pharmaceuticals, Inc. is a biopharmaceutical company dedicated to the development, manufacturing, ...

Low mortgage rates tough to get - San Jose Mercury News

Low mortgage rates tough to get
San Jose Mercury News,  USA - Jan 7, 2009
... according to area mortgage brokers. Unless you have a gold-plated credit score, low credit-card debt and a big down payment or a lot of equity, ...

Yahoo Search Engine News

Recession more severe than thought: Fed's Rosengren (Reuters)
Reuters - The U.S. recession looks to be longer and more severe than originally thought, but there are signs that the economy will improve in the second half of 2009, a top Federal Reserve official said on Thursday.

Lehman deal on private equity close: source (Reuters)

The Lehman Brothers booth on the trading floor of the New York Stock Exchange, September 16, 2008. (Brendan McDermid/Reuters)Reuters - Lehman Brothers Holdings Inc has reached an agreement in principle to sell its merchant banking business, made up of two private equity funds, to management of the funds, a source familiar with the situation said on Thursday.



Asia stocks slip ahead of U.S. jobs (Reuters)

An investor checks his stock situation on a monitor in front of an electronic board in a brokerage house in Shanghai January 5, 2009. t's infrastructure building plans. (Stringer/Reuters)Reuters - Asian stocks slipped and the U.S. dollar drifted higher on Friday, as investors braced for the December U.S. payrolls data, expected to show sharp job losses and deal another blow to hopes for a speedy recovery this year.



Chevron sees big drops in Q4 production and earnings (Reuters)

A Chevron Corporation gasoline tank truck delivers gas to a Chevron service station in Redondo Beach, California August 10, 2005. (Fred Prouser/Reuters)Reuters - Chevron Corp expects its fourth-quarter earnings to be significantly lower than the previous quarter due to the impact of lower energy prices on its exploration and production business.



Citi backs measure to help avoid foreclosures (Reuters)

People taking the Long Island Foreclosure Tour arrive at a foreclosed home for sale in New Hyde Park, New York in this May 17, 2008 file photo. Citigroup could soon agree to principles that would let troubled borrowers save their homes through bankruptcy, sources familiar with the talks said on Thursday, while industry groups are easing their opposition to the plan. (Shannon Stapleton/Reuters)Reuters - Financial giant Citigroup Inc will support a proposal in Congress to rewrite U.S. bankruptcy law to help troubled mortgage borrowers avoid foreclosure, Chief Executive Vikram Pandit said on Thursday.



NY Times Business

Nationwide Inquiry on Bids for Municipal Bonds
The authorities have been investigating what appears to be collusion in the multibillion-dollar municipal bonds market.


For BlackBerry, Obama’s Devotion Is Priceless
President-elect Barack Obama has become BlackBerry’s most prominent user, a pitch that would be worth millions if he could charge for it.


Pressured by I.R.S., UBS Is Closing Secret Accounts
UBS will close about 19,000 accounts held by Americans that may have gone undeclared to the Internal Revenue Service.


Citi Reaches Deal With Lawmakers on Home Loans
Under the plan, bankruptcy judges will be allowed to alter home loans in an effort to prevent foreclosures.


Democrats Seek Delay in TV Shift
The Obama transition team is seeking to delay the Feb. 17 move to digital TV, saying millions of homes aren’t ready.


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