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Canadian Credit Blog

Mar 03 2010

Blumenthal: Fed Misses Critical Deadline To Roll Back Credit Rates, Fees By KENNETH R. GOSSELIN The Hartford Courant Even as a sum of new protections for credit card users went into effect last Monday, the state attorney general disparage a ke

Mar 03 2010
update new credit card regulations allow room for maneuvering
UPDATE: New Credit Card Regulations Allow Room For Maneuvering By Meena Thiruvengadam Of DOW JONES NEWSWIRES WASHINGTON (Dow Jones)--The credit card game rules have officially changed thanks to new credit card regulations, effective Monday,

Mar 03 2010
Report: Interchange Fees Obstructs Economic Growth, Job Creation
Report: Interchange Fees Obstructs Economic Growth, Job Creation By Linda Lisanti INDIANAPOLIS -- Less than 20% of the interchange fees charged by credit card companies actually includes the cost of processing transactions, according to a rece

Feb 25 2010
Be A Smart Credit Card User
Be A Smart Credit Card User •Read the terms and conditions of your card. "The Credit Card Act is there to protect consumers," said Bruce McClary, ClearPoint Credit Counseling Solutions spokesman. "But the responsibility is still in the hands of th

Feb 25 2010
terms of the new credit cards regulations
CREDIT CARD ACT TERMS OF THE NEW CREDIT CARDS REGULATIONS 10 things that credit-card issuers can still perform with proper notice: * Alter your fixed-rate card to variable. * Increase your Annual Percentage Rate on future purchases. * Rais

Feb 25 2010
CREDIT CARD TRICKS take out cash
CREDIT CARD TRICKS By Kate Mansey 50 percent extra to take out cash Credit card companies are utilizing crafty tricks to rip off customers - as shock numbers show Britons owe £54.5 billion to our "flexible friends". A Sunday Mirror inves

Feb 23 2010
Build Good Credit Without Credit Cards
Build Good Credit Without Credit Cards When you are trying to build a good credit history, one often repeated piece of advice is to get a couple of credit cards and pay them off promptly. Credit cards are not the only way to skin the credit cat, t

Feb 23 2010
interest rate summary credit cards
Interest Rate Summary Credit Cards Here is a look at the state of credit card rates from the weekly national survey of large banks and thrifts conducted Feb. 17, 2010 by Bankrate.com Rates: 13.39% (all fixed); 13.63% (all variable) Credit c

Feb 21 2010
clouds parting over credit card troubles
Clouds Parting Over Credit Card Troubles Kelsey Swanekamp, With joblessness still hovering at 10 percent and household budget under pressure, credit card issuers and lenders are still taking profits from their loans to consumers. Developmen

Feb 21 2010
credit card chargeoffs still troubling
Credit Card Charge-Offs Still Troubling February 17, 2010 by Staff   Credit card charge-offs – or loans assumed uncollectible and written off – edged higher in January as reported by the major card issuers, although there is some positive expe

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I've read some reviews about products that I am reviewing and promoting on this site. I often hear about people who are disgruntled because the information they read in the ebook can be readily available on the internet.

Well... Yes... Of course.... the information is available on the internet. Which information isn't available on the internet?

Sometimes you have to spend hours searching for that FREE information. I've spent hundreds of hours researching free material on the internet. If my time is worth... say $10 per hour and I spend 10 hours looking for free information that is available in a $35 book, you're losing money. You've spent $100 of time when you could have purchased the ebook for $35 and spent the 10 hours learning even more and marketing your products.

The other problem: Some people are experienced senior marketers. They're buying books that are intended for junior marketers. Then they complain because the information is too light.

DO EBOOKS HAVE PAY BACK AMOUNTS?
Let's do some more math... If a junior marketer some spends $100 to buy an ebook that explains 25 ways to market a product for free that they haven't heard about, then that's good value.

If the junior marketer was going to spend 20? per click to get people to his site, and instead he practices the free way to get traffic, he would need to generate $100 (paid for the book) /20? (saved from not using PPC's) = 500 visits to his site using the free methods to get traffic to his site.

If a junior marketer is serious enough about using the free marketing methods described in the book, I'm sure that most people are going to get those 500 visitors for free over time using the free methods.

If the junior marketer is diligent with these methods over 6 months to a year, he's going to much more than make back his investment.

FREE VIRAL MARKETING SYSTEMS
I use different viral sites like WebBizInsider and AdLandPro Viral Community I don't get paid if you sign up for these, but I do get free traffic. People seeing my site for FREE!

You can find these on http://www.express-marketing.com/viral-marketing.html

These sites are free, and of course you can pay for stuff, if you want.
These are simple sites that you probably would find people complaining about the free traffic. With webbizinsider, I've had 150,000 people see my site at least. It may not be the best, most high quality traffic in the world, however, it's free and it's another way for people to get to know my site.

So, people can complain all they want. The idea behind marketing is to get free traffic and paid traffic. They do the same in offline marketing. Publicity departments strive for free advertising all the time. Richard Branson owner of the Virgin Brand is genious at getting publicity.

So... if you're just starting out.. you have to make a decision on how much you can afford to buy in ebooks etc. I would recommend buying some website marketing ebooks coupled with surfing the net for free information.

If you're a senior marketer, stop complaining about some of the ebooks available. If somebody has written a 165 page manual and sells it for $97, I think the junior marketer will have spent his money well if he learns enough techniques to save himself $98 in PPC's or other cash costs.

CONTENT OR INFORMATION IS NEVER FREE!
Remember... there is never anything done for free in business. Free internet content costs money to produce in man hours. Publicity costs money in the implementation stage. The costs of "free" content has to be paid for some how. My feeling is that companies won't give out free information unless they're going to make their money back.

(There you go.. I've spent 20 minutes writing this FREE blog post. Now I've got to sell 3 products to pay for my time !!)

Cheers.

Articles from November 2005
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