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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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Some things I find conceptually difficult in programming and multi-dimensional arrays in PHP is one of them.

I fought all week with a tool that I'm developing that is the most complex that I've built so far.

I finally had to take the plunge and learn multi-dimensional arrays as they seemed to be the best way to do the build.

I'm glad to say that I fought and fought with them and finally won. I am really impressed at the power a multi-dimensional array can give to a program. I condensed a bunch of code down to a fraction of what is was.

I guess multi-dim arrays are just like working with mysql, except just different functions and commands etc. I love the flexibility and compactness they offer.

I'm glad I bit the bullet. Some times it's just hard to find the time and mental energy to master something like that.

I'm glad I did, as it's going to be a new tool for me to use.

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It just goes to show you that even some of the most savvy marketers can upset their loyal email subscriber readers.

I can just imagine that this person read through 124 pages and then realized he had wasted his time on a big ad for Jeff Alderson's -(xybercode) products. You have to understand that is a major part of the sales process. Writing 124 pages of information is alot of work and takes a great deal of time investment. You have to carefully distribute your ads throughout your material.

I can't imagine Jeff Alderson (xybercode) writing 124 pages that didn't explain that there were products to be sold and that that ebook was a sales document.

I've heard marketers say that some of their best closing documents were 24 pages. This is much longer than the mile long sales page.

You can find Jeff Alderson's products HERE

Jeff Alderson - Xybercode is this REAL!!!

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I like many of you subscribed to Jeff Aldersons newsletter - but today for the first time I WAS INCENSED - I don't mind an an affiliate product plug but 124pages (124 PAGE SALES AD! Are you mad!) plug for xybercode.com (AND NO, NO, NO THIS IS NOT, NOT AN AFFILIATE LINK - INFACT DELETE THIS POST NOW, DO NOT BUY THIS! I AM NOT ADVERTISING THIS PRODUCT) get real, the only people making $500 per sale?
I have never been so mad about an internet sales plug in all my life.
Let's think now whoever 'wrote' this is supposedly broke but tells us all how they spent $150,000 to 'show us the way'. I'm sorry but how does someone who has no money find $150,000 (That's like a new Ferrari - err.. when you have no money....) to experiment on what does and doesn't work on the internet, food/housing/living that's what most of us would be worried about. Joel - YOU HAVE TO SPEAK UP. I don't mind you selling stuff to us but Please if you want credibility you must comment on this now.


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I found this John Reese video on Alice Seba's blog. Alice is very diligent at posting good quality information.

John Reese claims that he made $526,744 in 2005 with Google Adsense. As always I'm curious and decide to listen to the full length video that he's presenting.

I was listening to John Reese intently to see what he's saying and how he claims to have made that kind of money. I had to really listen because most of the presentation seemed to be about how the earnings increased and decreased daily etc. I like everybody else wanted to know how he did this.

The point that stuck out was that John Reese mentioned that he's beeng doing website marketing for over 10 years and has taken a scientific approach to marketing. So... to start off with, he's taking his 10 years of experience, putting the best of the best together and then implementing it.

He probably sat for quite a while thinking of the best type of experiments to do, the best designs to use, the best software designs to use based on his 10 years of experience. Add to all this that he's used the scientific approach over 10 years so he's got data to support the implementation of the best of the best.

I can't argue with that. An engineer with 25 years experience is going to make better decisions on a project than a 2nd year engineering student, even though the engineering student may have the aptitude for engineering projects. The person with 25 years experience has simply seen more things go right and wrong over those years.

That's how to be successful in this business. Keep trying and testing things until you weed out what doesn't work and keep what does work. That's what I'm doing!!




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I'll be honest... I've been busting my butt trying to build nice white hat content that is nice to read, and valuable to my readers.

I've been networking a little but it's time consuming. Getting out and posting on other people's blogs.

For all of the content I've been writing, my traffic isn't going up proportionately. I get a sense that the search engines put a limited life on article / blog type content. The content is hot for a few days and then gets cooled down in the search engines.

I find myself having to be more and more creative with how I generate traffic to my sites. I'm spending more and more time designing and developing ways for people to find my site.

I'm seeing that some of these ways could be interpreted as black hat. Well... you've got to do what you've got to do to get traffic. If I'm getting diminishing returns on proper white hat based content, I can only write so many articles in a day or month. I need to grow the business and make more money for growth purposes.

Black hat people are very creative and diligent people. They take the time to test different marketing methods to see how they work. If that's the case, I guess I will be leaning in that direction in the years to come.

While I don't like the low quality spammy methods that some others use, I don't like the "high quantity of content spread out into many places" type marketing. I like my writing to be seen as wide spread as possible.

If black hat means creative and diligent development in website marketing, please consider me as black hat as possible.
www.express-marketing.com

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Pop Up Blockers No Porn Keeping Kids Safe

Blog Post Date: Mar 20 2006
My wife and I decided that it was time that we talk to the children about (undesirable) things you might find on the internet. Our kids are in the early teens and so their curiosity is in full force.

I was very pleased when I asked my daughter if she had seen any porn on the computer. She emphatically replied, NO! I said, "what about on popups?" I guess I answered my own question because we use several popup blockers on that computer. There's a very unlikely chance that she would see anonymous porn pop-ups.

I was over come with relief at that point. I was excited to know that she wasn't being bombarded with material that she shouldn't be seeing.

So... aside from popup blockers saving your from those annoying ads, they also can help keep your children's minds at a more pure level.

That's my experience with porn popup blockers. Otherwise, popups have their time and place and are another way for advertisers to show their products and services.

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Blog Post Date: Mar 14 2006
I just noticed this website .spam emailer jailed.

Here's a guy that didn't know when to quit sending spam email.

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I am gaining a whole new understanding for email , newsletters etc.

I simply wanted to send a note to some of my clients using the email database that I've been collecting over the last five years. I have approximately 2500 names in this list.

I am using aweber.com for this list as I like some of their tools. I noticed that the email campaign that I was trying to send out didn't go out. After inquiring with customer service as to why they weren't sending out my email, they indicated that my email list was too old and out of date.

Hmm... I have a verified optin list that is too old and out of date.

I went and purchased an email verifier software which I am now running my lists through. There are a few settings that i needed to put in such as a valid email address and an valid IP address.

According to the software manufacturer when you verify the email with the receiving email server, it wants to know that you're coming from a real email address and a real IP address.

This is a really good lesson in why it's important to keep an email list fresh. I thought I would pass it along.

www.express-marketing.com

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Losurs.org Linux Operating System Help Group

Blog Post Date: Mar 09 2006
I attended my first Losurs meeting. Linux is the next thing I have to learn. I have a few linux machines but haven't taken the opportunity to learn the operating system.

Scott Wunsch and Mike Warnecke were very helpful, along with all of the other attendees.

If you have any linux related questions, I'm sure the folks at losurs.org would be pleased to help.

It's exceptionally comforting to know that there are some techies in my area who know how to work linux. It's a powerful operating system, but it takes a little to get used to.

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high volume blog generator

The black hat debate continues.

Blog and Ping is an excellent way to get your web sites indexed EVEN TODAY, though the "gurus" will tell you that it no longer works.

Since I can program I decided to make a Blogger generator so that I could easily make blogs without having to manually change the settings and template.

Well, I found out something great when I made the program, I didn't have to enter the CAPTCHA (image with letters) every time I created a new blog. I had found the Blogger backdoor. I could create 1000 blogs in 10 minutes. This was great and I must've made around 200,000 blogs in that 3 month period that the backdoor still worked. I was generating DSG sites like crazy to the point where I had 5 dedicated servers! Talk about cash flow...

This young clever fellow figures out a way to set up 200,000 blogs in blogger in 3 months. That's pretty clever, and he makes some really good money from it. I've got to give him credit.

If you have 2000 people creating 200,000 blogs in 3 months that would be 400,000,000 blogs created. Won't these "high quality blogs" lose their meaning at some point? I'll be honest, I just can't read 400,000,000 blogs in a life time.!!

Then you get other spammers who have published 5 million + pages on several hundred or thousands of websites. These spammers are doing well because they have enough volume of pages to carry them.

A body of 5 million pages is great for doing tests on different things. Linking, different types and styles of keyword density etc. People who have 5 million pages published need a whole bunch of tools to manage these pages and websites. Otherwise the beast will get out of control.

It's amusing that the developer admits you have to generate ALOT of these blogs to see any return. As everyone jumps into the pool doing this, you're going to get a diminishing return. You'll have to publish more and more to get the same results.

I highly encourage the creativity that goes into developing such software. That's what makes the internet great. The only thing is that whatever can be programmed will most likely be abused by those who can.

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I've been taking some extra time to learn some moderately advanced programming. I can't believe I haven't written in this blog for over a month now!

I get it into my head that I need to know how things work. I hear alot of web marketers talking about different techniques of how they market their sites and some times my eyes just glaze over. Lately, I've been taking the time to program some of the tools and get a better feel for what these experts are talking about.

TESTING AND EXPERIMENTING
One thing that I've been curious about is how these guys are testing sites, forms, text, graphics etc so quickly. I feel that I'm talking to a bunch of webmarketing scientists. And really, that's what they are.

They are trying a whole set of different systems and techniques to see which ones are working. Trial and testing. Research and development.

That's what I've been spending my time on. Developing my sites so that I can test things faster. In doing so, I have learned some things more quickly.

The attitude is a little different than I used to have. I used to think that I would build a site and then leave it do its job. Now I'm interested in tweaking the sites to get better results out of them.

I spent the better part of a week developing a sign up form that is portable and flexible. This will enable me to try different types of forms, asking for different amounts of information in a test lab environment.

I'll keep every one posted as to how it's working as time progresses.

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