Sunday, December 30, 2007

A Quick Guide to Mortgage Protection Insurance

A Quick Guide to Mortgage Protection Insurance
by Craig Elliott December 31st, 2007
Mortgage protection insurance is a form of insurance that has become more popular in recent years. This insurance can cover injury, illness, and even death, and helps to make sure that you and your family won't fall behind on mortgage payments should the unexpected happen. There are several different types of mortgage protection insurance offered by a number of different insurance agencies, so if you have been considering purchasing this insurance then it's important that you take the time to know exactly what it is that you're buying before you sign on the dotted line. What Mortgage Protection Insurance Is Mortgage protection insurance is a specialized type of life, health, or disability insurance that focuses not on funeral or medical expenses but instead on making sure that your mortgage payment doesn't fall behind. Different insurance providers may provide different payout options or benefits packages, but the end result is that if you are injured, fall sick to the point that you cannot work, or are killed, then the insurance payout is sent to you, your family, or in some cases to the mortgage provider directly to ensure that your house or other mortgaged real estate doesn't run the risk of foreclosure. Knowing How Your Insurance Works It is important that you understand exactly how different types of insurance work so you can choose whether this insurance would be in your best interest. Since there are different types of mortgage protection insurance different insurance providers may pay out differently Mortgage protection insurance that is sold as health or accident insurance is designed to provide short-term relief while you recover in order to help keep you from falling behind on your mortgage in the time that you are unable to work. There is often a limit as to how long you will continue to receive payments from this insurance, and depending upon the policy it may be as short as three months or as long as six months to a year or more. Mortgage protection insurance that is sold as a form of life insurance is designed to help your family pay off the mortgage in the event that you should pass away. This insurance works much like any other life insurance, though in some cases it may be paid directly to the bank or mortgage lender specified in the policy. More often, however, the policy simply pays out to your family so that they can pay the mortgage as well as use some of the money to cover funeral costs or other expenses. Costs, Benefits, and Potential Problems The cost of mortgage protection insurance tends to be in line with other forms of disability or life insurance, though that cost will obviously vary depending upon your personal medical history, habits and the insurance agency who you buy it from. Likewise, the benefits of the insurance are quite similar to other types of insurance that fill the same general role. Mortgage protection insurance serves as security to help make sure that you're going to be able to make all of your payments even if something unexpected or tragic happens; in some cases you may even be able to lock in a lower interest rate for having the insurance as it serves as an additional guarantee to your mortgage lender. Unlike some of these other insurance types, however, some mortgage protection insurance policies can be very specific about the payouts that they make and the circumstances that they will pay out under. It's very important that you take the time to make sure that you understand the specific policy that you're considering before you buy it in order to make sure that the insurance company is going to pay out the money that you or your family needs when they need it. Finding the Best Deal If you have decided to purchase mortgage protection insurance it's important that you locate the insurance provider that will not only offer you the policy that you want but also will give you a good deal on that policy. Take the time to shop around both at insurance agencies in your area as well as online to see which places offer mortgage protection policies and the prices that they are willing to offer you for them. Collect quotes from several different agencies and websites, comparing the amount of coverage that each provides, the circumstances that they'll pay out under, and the overall price that it will cost you per month or per payment period for the insurance. If buying a life insurance option, talk it over with your spouse or family to get their input on it. Ideally you're going to want to find the best balance between price and coverage that you can.
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About Author: Craig Elliott is a freelance writer who writes about topics pertaining to the mortgage industry such as Mortgage Company | Refinance Home Mortgage


Wednesday, December 19, 2007

Discover The Secret Tactics to Make Real Money Online

Discover The Secret Tactics to Make Real Money Online
by Diana Lim
December 2nd, 2007

Have you tried starting an online business but failed to make any money?

Every internet marketer starting an online business is always looking for an opportunity to make money online. However, facts show that only 5% of the people who started a home based business will have good success, so why do majority of people fail and never make any money online?

Let s look at the reasons why people fail:

1. They couldn't figure out how to even get started due to lack of support and training. Most people starting a home-based business have no idea how to market online, and they have no clue where to even start.

2. Lack of focus. People get side tracked very easily due to information overflow. They hop from one program to another lacking the focus and concentration to become successful online.

3. Not enough money to invest. People think they can make money online for only $20 - $50. We all know we need to spend money to make money. Some people just simply lack of the extra funds to get off the ground.

4. Lack of patient. People desire success so bad that if it doesn't occur within a week they call the program a scam and quit. They fail to realize what they get out of the business is whatever they put in.

5. Not realistic. It is a fact that everyone wants to make money, but some people will say I want to make 10 20k within my first month. More then likely that will not happen, and when they find out it didn't they give up. Making money online is none other than hard work and good marketing skill.

6. No help from their sponsor. Most people get little or no help from the person who brought them into the business. They easily become lost, and confused. Within their first month they are so mad they just give up.

People fail for a number of different reasons when it comes to making money online. The bottom line though is that success comes from within; it is your belief that you could make thing happen.
Just have to make sure never quit trying, be focus on one product to achieve success before jumping on to another product. Always work towards your goals no matter how long it takes until you see success.

How to eliminate failure?
There are tactics that have worked with online marketing and is continuing to work in the online affiliate marketing world of today. With these top business tactics, you will be able to increase your sales and survive online.

What are the tactics?

1. Using unique web pages to promote each affiliate product, it is paramount to have a site focusing on each and every product and nothing more. Do not lump all the products together under one roof just to save money on web hosting. You will divert your visitor s attention and defect the purpose of selling.
Always include product reviews on the website so visitors will have a first understanding on what the product is about. Include testimonials from users who have already tried the product and satisfied with it.

You can also write articles highlighting the benefits of the product and include them on the website. Make your pages attractive compelling and include calls to action. Each headline has to attract the readers to try and read more, even contact you. Underline your special points. This will help your readers to learn what the page is about and will want to find out more.

2. Offer free reports to your readers. Position it at the very top of your page so the visitor simply cannot miss. Set up autoresponder messages that will mail automatically to those who input their personal detail into your sign up box. According to research, a sale is closed usually on the seventh contact with a scene.

Only two things can possibly happen with the web page solitary: closed sale or the prospect leaving the side and never return again. By placing useful information into their inboxes at certain specified period, you will remind them of the product they thought they want later and will find out that the sale is closed. Be sure that the content is directed toward circumscribed reasons to buy the product. Do not make it sound analogous a sales launch.

Focus on important benefits like how your product can make life and things easier and more enjoyable. Incorporate compelling subject lines in the email. Avoid using the word "free" because spam filters will dump those kinds of contents into junk before even allows anyone reading them first. Convince those who signed up for your free reports that they will be missing something big if they do not purchase your products and services.

3. Target your traffic. Just imagine, if the visitor who visited your website has no interest whatsoever in what you are offering, they will be among those who move on and never come back. Make out articles for submission to article directories or e-zines. This way you can locate publications that are focusing on your target customers and what you have put up might just grab their interest.

Try to write a minimum of 2 articles per week, with at least 300-600 words in length. By continuously writing and submitting these articles you can generate as many as 100 targeted readers to your site in a day.

Always remember that only 1 out of 100 people are likely to buy your product or get your services. If you can generate as much as 1,000 targeted hits for your website in a day that means you can made 10 sales based on the average statistic.

It is not extremely difficult to make money online, if you think around it. And there are many wonderful tactics that can really help you to make more money online. You just need to acquire more knowledge, brush up your skill, be committed and draw up an action plan to be successful. Be persistent, never quit. The day will definitely come where you can end maintaining a good source of income and surviving in this business.

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Diana Lim has been working online for over 2 years. She has involved in a program to help people succeed in their online home businesses venture. To learn how Diana can help you visit
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Adsense Tips to Explode Your Online Profits

Adsense Tips to Explode Your Online Profits
by Alli Ross September 14th, 2005

There are many adsense tips floating around the internet. Here are some adsense tips that can drastically increase your CTR (click-through-rate) and your profits. These are simple changes that only take a few minutes to implement but can make drastic changes to your bottom line. Lots of people say to make your ads blend in. However, some people are having a lot of success by making their links stand out.

The most effective style seems to be having your links blue, while your other links are a less-noticeable color. A good example can be seen at tactic that is working very well is placing images directly above your ads. This simple technique has been known to increase CTR by 400%. To keep the images fresh, some people randomize related images on their site using PHP code. You can see an example of these images at has cited the 336x280 large rectangle as the most effective ad size.

Pay close attention when Google gives advice on how to increase your profits, they have a wealth of statistics and research that back up their findings. However, nothing can replace your own testing. Every site is different.Place ads where your visitors will likely be focused. Study your web page. Where do your eyes seem to focus? How do your eyes scan over the page.

Adsense ads often do well when placed near navigation and other hot spots. Check out this heat map by Google - Weave your adsense into your content, aligned to the right or left. This is shown at Place link units in the top left-hand corner. This part of the website has shown to be clicked on more than any other part of the page. You can see an example at

(Look at the links at the top, towards the left in blue.) This is the most valuable piece of real estate on your web page.- Take advantage of the "alternate URL" feature to avoid Public Service Ads that seep money away from your website.- One of the best things you can do is add additional pages to your site. A web site with thousands of pages and tons of content often does very well in the search engines. You can get free content from article directories. You could also use public domain content, which is a favorite tactic of John Reese. Or, you could use content in the creative commons.

This is getting easier than ever now that Yahoo and others have created a search engine specifically for content in the creative commons.Succeeding with adsense is largely determined by the amount of traffic to your site. However, there are many adsense tricks that you can employ to get the most revenue possible out of your site. Often times, this means doubling, tripling, or even quadrupling your earnings. The key is to find out what works for your web site. Testing and tracking is the key to increased revenue!.

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Alli Ross is the marketing chick at, where you can submit your articles for free exposure.
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Tuesday, December 18, 2007

How to Profit from your Home Business Blog

How to Profit from your Home Business Blog

by Ian Canaway

February 23rd, 2005

A blog is a simple tool which all affiliate marketers should be utilising to explode their affiliate sales.

I set up my blog in about 15 minutes at it?s a completely free service, and it?s really easy to set-up. I followed directions on an excellent article on getting a new website listed in Google in 48hrs check it out here, . I just followed the advice in the article and got started with no problems in no time.

I've been doing a lot of research with regards to blogging and came across a case of a 19 year old kid who was making something ridiculous like $50,000 a year with a blog on mobile phones, from his bedroom! So clearly there is a good earning potential through blogs, but they do take time to grow and build up a readership. Treat your blog as a marathon not a sprint, because it will take time.

Blogs provide a very simple, quick and easy means to add fresh content to your website. As I?m sure you?ve heard many times over ?content is king? in the search engines eyes and if you can provide high quality, regularly updated content your website should benefit with regards to your search engine ranking.

By providing fresh, high quality relevant content you will gain an increase of both first time visitors and repeat visitors, they will come back to check out your new content. Providing it?s interesting, relevant and useful to them. You will begin to build relationships with your readers, increasing your credibility and building their trust in you.

These repeat visitors will be exposed to your messages more and begin to trust you and your recommendations. This in turn will fuel sales and referrals. Just make sure you don?t recommend a product you haven?t tried because if it is bad you will lose all credibility!

Never recommend something you haven?t tried and tested your self.

You want to send traffic directly to your blog, do it through multi-dimensional strategies. Have a subscriber box for your newsletter to build your list from your blog. Use it as an exit pop-up from your main site or thank you page for new subscribers, directing them to relevant content immediately. As once your prospects have got to know you through the blog they are much more likely to explore your website and check out whatever you are offering.

Whenever you sign-up for an affiliate program or buy a product, review it in your blog and be brutally honest, your readers will love you for it. Take a completely unbiased view point and talk about both the positives and negatives of each product. In essence you are providing more of an insight into the product than the sales page itself, almost a sample, this will help convert those prospects that are ?sitting on the fence? so to speak. Obviously when you review your affiliate products, make sure that you use your affiliate links.

It has been shown that prospects are 7-10 times more likely to buy from a blog recommendation than from other sources!

Other ways that you can generate extra income through your blog are through the Google ad sense program, selling banner/link space as your traffic increases or as I mentioned earlier by adding you own opt-in sign up form to which you send your newsletter or other targeted offers.

Your blog can be syndicated using RSS, which I won?t go into here, that?s another article. But savvy webmasters can use your blog content on their web pages. This benefits them as they have regularly updated fresh content for their website and benefits you through increased exposure and free targeted traffic.

Be passionate about your blog, love your blog. If you do not then it will become obvious through your posts and you are unlikely to be anywhere near as successful as you could be.

Add to your blog regularly provide good quality content and reviews and you will be on your way to blogging success.

?A man would do nothing, if he waited until he could do it so well that no one at all would find fault with what he has done?. -- Cardinal Newman

Get that blog started today!

(Feel free to use this article online and in your email newsletters as long as you leave it intact and do not alter it in anyway. The byline and biography must remain in the article.)

Copyright Ian Canaway 2004-11-30

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Ian Canaway is the owner of and you are invited to come and have a look round his new home business blog at For home business tips, advice and product reviews. Happy Blogging!


Tuesday, December 11, 2007

Car Insurance Tips

Vehicle insurance (or auto insurance, car insurance, motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents.

Coverage levels

Insurance can cover some or all of the following items:

The insured party

The insured vehicle

Third parties

Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.

Some Of the US Insurance Companies:

American National Insurance Company

American Automobile Association



American Family Insurance


Auto-Owners Insurance

California Casualty Insurance


COUNTRY Insurance & Financial Services

Cuna Mutual Group

Electric Insurance Company


Expatriate Insurance

Farm Bureau Insurance

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Top 10 PPC Advertising Programs

  1. Google Adwords - The biggest and best for volume, traffic quality and user interface. However the most expensive.
  2. Yahoo Search Marketing - Great One..
  3. MIVA - One of the best, yet more underated PPC search engines
  4. Enhance - A strong emerging PPC search engine with solid quality control.
  5. GoClick - Cheap traffic, with a growing and loyal following.
  6. MSN AdCentre - A newly emerging big player with lots of leverage, however the interface is still frustrating some users.
  7. 7Search - A smaller search engine with good quality traffic. Good interface.
  8. Search123 - One of the first PPC search engines. Cost effective with good support.
  9. SearchFeed - Strong ROI with a reasonable search volume. Geo-targeting available with 11 countries you can specifically focus on.
  10. ABCSearch - Strong ROI with a reasonable search volume. Geo-targeting available with 11 countries you can specifically focus on.


Monday, December 10, 2007

Top 10 tips on building extremely high traffic blog

Top 10 tips on building extremely high traffic blog.

1. Write quality content.
2. Write original content.
3. Write interesting content related to latest trend.
4. Comment on other peoples blog.
5. Make your blog SEO friendly
6. Get quality and relevant backlinks
7. Provide some freebies for your visitor
8. Simple and nice layout for your blogs theme
9. Find a good niche
10. Use the correct keywords