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Isle of Man - Insurance and Pensions Authority

Presentation of the jurisdiction's regulatory environment and contact information. Claims to "deter the unscrupulous without hindering forward thinking dynamic companies".
www.gov.im/ipa/

India - Insurance Regulatory and Development Authority (IRDA)

Established by Parliament to protect the interests of the policyholders, to regulate, promote, and ensure orderly growth of the insurance industry.
www.irdaindia.org/

The Bahamas - Captive Insurance

Describes regulatory environment aimed at making The Bahamas an international insurance centre. Captive insurance "insures the risks of its owners who are not in the business of insurance."
www.bahamas.gov.bs/BahamasWeb/businessandfinance.nsf/Subjects/Captive+Insurance

United Kingdom - Financial Services Authority (FSA)

Independent body which regulates financial services. Site is organized by topic, not business class. Thus insurance content will be found in topics such as News, Consumer Help, and Industry Help.
www.fsa.gov.uk/

Australian Prudential Regulation Authority (APRA)

Responsible for prudential regulation of the financial sector and the authorising of insurers.
www.apra.gov.au/

South Africa - Insurance Department

Part of the Financial Services Board (FSB). The Department consists of two divisions: Registration and Policy, and Prudential Supervision.
www.fsb.co.za/insurance/insure.htm

Hong Kong - Office of the Commissioner of Insurance (OCI)

Ensures that the interests of policy holders or potential policy holders are protected and promotes the general stability of the insurance industry.
www.info.gov.hk/oci/

Georgia - Insurance State Supervision Service Of Georgia

Participates in policy decisions, coordinates activity, promotes development of the insurance industry, and supervises insurance activities. [Georgian, English]
www.insurance.caucasus.net/

Latvia - Financial and Capital Market Commission

Protects the interests of investors, depositors and the insured, and promotes the development and stability of financial and capital markets. [Latvian, English]
www.fktk.lv/

South Africa - Council for Medical Schemes

Autonomous statutory body, established by the Parliament of South Africa to provide supervision over medical schemes. Site describes organization, legislation, and offers consumer assistance.
www.medicalschemes.com/

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How To Achieve Pagerank 5 For Your Website For Free


by Jazz Lai

There are many small business owners doing ecommerce online who are struggling, trying to increase their top page rank ratings. This is very time consuming and expensive. A lot of ecommerce businesses do not have a budget to allow them to take advantage of link buying, or other endeavors to increase the page rank ratings they need to make the money the big guns do.

How do you build a website for PR0 to PR2?

Here are some helpful hints that will work for you to get a top page rank on Google.

Get a private domain name. This is essential in this business. Be online for a few months. Make sure you change your content regularly, at least once a week. Have at least fifty inbound links that work.

This next step is tricky but not difficult. Have between 50 to 100 plus articles on your site. Submit your website to all of the necessary directories. Begin to link your website in the forums. Become a member of Google's PayPerClick Program. Google will welcome you with open arms. You invest twenty dollars to join Google's PPC program once. Done correctly, you will get back this small investment within a few short months.

It is a wonderful idea to make friends with Google. It is the number one search engine right now. Google's index spiders search the internet, finding sites to rank them against relevance. This takes some time for the spiders to do their job, sometimes up to several months, so have patience because it will take a few months for your site to get indexed.

A page rank of 5 can be reached by generating at least 10,000 links. This sounds daunting but it is not impossible. When you have 200 pages of content with each page having thirty or more links to other pages, those inside links will generate 6,000. Google's spiders will count the links inside the site because the size of your website is just as important as the links inside of it. This is especially valid when all of your website's content is alike.

This method will work for you, but you will have to be patient and allow some time to pass. Give it a few months, then begin checking at Google to see where your page rank is. From here, you will have a good idea in a few weeks if it is moving up, or down in page rank. If it is moving down, then you need to tweak your site, or adjust the keywords and keyword phrases.

Jaz Lai is an internet network marketing prospecting expert expert. Download your free white paper and audio on how to use the internet to Double or Triple your organization within the next 30 days. Available for the next 24 hours only, click below for instant access:

http://www.HowToNetworkMarketing.com

R3

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
 

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

Insurance brokers EPIC and Arthur J. Gallagher settle lawsuit - Bizjournals.com

Insurance brokers EPIC and Arthur J. Gallagher settle lawsuit
Bizjournals.com, NC - 4 hours ago
Edgewood Partners Insurance Center, a San Mateo-based insurance brokerage and employee benefits consulting firm also known as EPIC, said late Thursday it ...
Edgewood Partners Announces Settlement with Arthur J. Gallagher & Co. Ad-Hoc-News (Pressemitteilung)
all 16 news articles

Insurance agent pleads guilty in mortgage fraud case - Bizjournals.com

Insurance agent pleads guilty in mortgage fraud case
Bizjournals.com, NC - 7 hours ago
A self-employed insurance agent admitted guilt for his role in a $12.6 million mortgage fraud scheme that encompassed 25 residential properties in Lee’s ...
Gladstone man admits role in Southland mortgage fraud case Kansas City Star
Man pleads guilty in $12.6 million mortgage fraud scam Kansas City Star
all 12 news articles

Can Madoff payouts break the insurance bank? - San Francisco Chronicle

New York Daily News

Can Madoff payouts break the insurance bank?
San Francisco Chronicle,  USA - 22 hours ago
But if clients of Bernie Madoff wipe out the insurance fund, will there be any protection for everyone else? In interviews and congressional testimony this ...
Video: Congress Sounds Off Against SEC in Madoff Affair AssociatedPress
A Simple Transfer of Wealth- From us to them Motley Fool
House panel kicks off Madoff hearing Pensions & Investments
Reuters
all 3,166 news articles

Obama Plan for Government Insurance Draws Criticism - Bloomberg

New York Times

Obama Plan for Government Insurance Draws Criticism
Bloomberg - 7 hours ago
8 (Bloomberg) -- President-elect Barack Obama’s plan for expanding government health insurance to compete with private coverage drew fire from a leading ...
Employees Need Health Insurance, Not Cash The Star-Ledger - NJ.com
Daschle Pledges a Bipartisan Reform of Heath Care System New York Times
FACTBOX: Daschle to promote ambitious US healthcare plan Reuters
eFluxMedia - Washington Times
all 625 news articles

Blue Shield of California Restores Insurance for Patients it Dropped - Wall Street Journal Blogs

SmartAboutHealth

Blue Shield of California Restores Insurance for Patients it Dropped
Wall Street Journal Blogs, NY - Jan 7, 2009
In a bid to put to rest legal troubles over a practice of canceling patients’ health insurance policies after they got sick, Blue Shield of California has ...
Blue Shield settles with Insurance Department Bizjournals.com
Blue Shield to restore coverage for dropped Californians Los Angeles Times
Governor Proposes More Access To Health Insurance WKBW-TV
Best Syndication - Trading Markets (press release)
all 166 news articles

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.


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.



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.



Consumer credit posts record drop in November (Reuters)

A shopper uses her credit card to pay for a purchase at a K-Mart store in Burbank, California November 28, 2008. (Fred Prouser/Reuters)Reuters - Consumer borrowing dropped by a record $7.94 billion in November, a Federal Reserve report showed on Thursday, the latest evidence that households were unwilling or unable to take on more credit.



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