LOANS

HERE WE SHALL LEARN ABOUT APPLYING FOR A LOAN....

WHEN APPLYING FOR A LOAN :

DOCUMENTATION ----NO DOCUMENTS>NO LOAN.USUAL DOCUMENTS-- TYPED APPLICATION STATING: YOUR NAME, SPECIFIC AMOUNT OF LOAN REQUIRED, PURPOSE OF LOAN, EXISTING ACCOUNT WITH THE BANK IF ANY., YOUR PORTION OF INVESTMENT,IF ANY. AMOUNT YOU CAN REALISTICALLY REPAY EVERY MONTH. COLLATERAL SECURITY ,YOU ARE PREPARED TO GIVE AS SECURITY. BALANCE SHEET P/L STATEMENT,IF ANY. PROJECTED PROFITS AND PROJECTED CASH FLOW FOR THE NEXT YEAR DONE ON A MONTH BY MONTH BASIS. PROJECT REPORT IN CASE OF A NEW BUSINESS SHOWING CLEARLY,YOUR PLANS FOR THE FUTURE,TO SHOW THAT YOU KNOW WHERE YOU WANT THE BUSINESS TO BE HEADED.

YOUR PERSONAL EXPERIENCE IN BUSINESS. YOUR DEGREES OR CERTIFICATES THAT ARE RELEVANT TO YOUR BUSINESS. YOUR EXPERIENCE.

BE FULLY PREPARED WITH THE ABOVE AND YOUR WORK IS HALF-DONE.

NOW THE QUESTION IS SECURED OR UNSECURED LOAN.

A SECURED LOAN IS WHEN THE BORROWER PUTS UP COLLATERAL - IF THE BORROWER DEFAULTS ON THE LOAN, THE BANK HAS THE POWER TO SEIZE THE COLLATERAL. USUALLY IMMOVABLE ASSETS ARE GIVEN AS COLLATERAL.IN SOME CASES THE BANKERS MAY ACCEPT OTHER FORMS OF COLLATERAL TOO.

AN UNSECURED LOAN IS A LOAN IN WHICH NO COLLATERAL IS PLEDGED BY THE BORROWER. THESE LOANS ARE GENERALLY ONLY GIVEN TO BUSINESSES AND PERSONS THAT THE BANKS DEEM AS UNLIKELY TO DEFAULT. BUSINESS LINE OF CREDIT OR CASH CREDIT.

A LINE OF CREDIT OR CASH CREDIT IS AVAILABLE FOR THOSE UNEXPECTED EXPENSES AND THEY CAN BE USED IN PLACE OF A BUSINESS LOAN. THIS TYPE OF CREDIT ALLOWS YOU TO DRAW ON FUNDS, UP TO YOUR MAXIMUM ALLOWABLE CREDIT.

THIS OFTEN HAS A MUCH LOWER INTEREST RATE THAN A REGULAR CREDIT CARD WILL, MAKING IT A MORE ECONOMICAL CHOICE FOR BUSINESS EXPENSES. HOWEVER, INTEREST RATES R USUALLY HIGHER THAN THAT OF A REGULAR BUSINESS LOAN. THERE IS OFTEN AN ANNUAL FEE ACCOMPANYING A LINE OF CREDIT.

A NEED TO HAVE GOOD BUSINESS CREDIT IS A MUST TO GET THIS TYPE OF CREDIT FOR YOUR BUSINESS.AGAIN IT CAN EITHER SECURED OR UNSECURED,DEPENDING ON YOUR CURRENT CREDIT STATUS.

RECIPROCAL LINKS..INTERESTED??

LINK TO MY SITE : I WILL PUT A LINK OF YOURS HERE!!! LEAVE YOUR WEB SITE ADDRESS AND EMAIL ADDRESS IF INTERESTED UNDER THE COMMENT BUTTON.REMEMBER RECIPROCAL LINKS INCREASES TRAFFIC.

EASILY GAIN HUNDREDS OF QUALITY LINKS TO YOUR SITE!!!FREE!!!

One of the best ways to achieve high rankings in the search engines is through link building. You absolutely must have numerous quality links to your site or you will never be found in the organic searches. Most webmasters don't have a linking strategy, yet they wonder why their site lacks traffic and sales. HOPE THIS WAS OF SOME HELP!!YOU DO NOT HAVE TO SPEND ANYTHING!!!ENJOY!!!!!!!

Adsense Google Money

GOOGLE ADSENSE PROGRAM IS A POPULAR WEB ADVERTISING PROGRAM WHICH PROVIDES A GOOD INCOME SOURCE FOR MANY WEBSITES. THERE ARE WELL DEFINED TERMS OF SERVICE TO STRICTLY ADHERE TO,BUT WHICH MAY NOT BE EASY TO UNDERSTAND FOR THOSE IMPLEMENTING OR TRYING TO EARN OUT OF IT FOR THE FIRST TIME, WHEN PARTICIPATING IN THE PROGRAM.

ACROSS THE WEB THERE ARE SEVERAL INSTANCES OF OF MISUSE ADSENSE ADS. SO HERE R A FEW HELPFUL GOOGLE ADSENSE TIPS, MANY YOU MAY BE WELL AWARE OF, FEW YOU MIGHT GAIN BY KNOWING NOW. THESE ARE ALL PICKED FROM THE PROGRAM POLICIES, TERMS AND CONDITIONS AND FAQ ITSELF AND PRESENTED IN A SIMPLIFIED MANNER.

1. NEVER CLICK YOUR OWN ADSENSE ADS OR GET THEM CLICKED FOR WHATEVER REASON.

THIS IS A WAY TO CLOSE YOUR ADSENSE ACCOUNT PERMANANTLY.INCREASING YOUR INCOME BY CLICKING YOUR ADS AND INDIRECTLY, OFFERING INCENTIVES FOR CLICKS, USING AUTOMATED CLICKING TOOLS, OR OTHER DECEPTIVE SOFTWARE WILL ULTIMATELY BOOT YOU OUT OF THE ADSENSE PROGRAM. ADSENSE IS VERY SMART TO DETECT FRAUDULENT CLICKS. CHECK THE ADS WHICH APPEAR ON YOUR PAGES BY THE GOOGLE PREVIEW TOOL IF REQUIRED.

2. NEVER CHANGE THE ADSENSE CODE. THERE ARE ENOUGH MEANS OF ADSENSE OPTIMIZATION & CUSTOMIZATIONS AVAILABLE TO CHANGE THE COLOUR, BACKGROUND OR BORDER TO SUIT YOUR NEEDS. THE CODE MAY STOP WORKING AND VIOLATES THE TOS.

3. DO NOT FILL YOUR PAGE FULL OF ADS.DO NOT PLACE MORE THAN 3 AD UNITS AND 3 AD LINKS OR 2 ADSENSE SEARCH BOXES ON ANY WEB PAGE. ANYWAY, ADS WILL NOT APPEAR IN THOSE UNITS EVEN IF YOU PLACE MORE AD UNITS. BUT THIS IS THE LIMIT THEY SET, SO IT IS BETTER TO STICK TO IT.

4. RUNNING COMPETITIVE CONTEXTUAL TEXT AD OR SEARCH SERVICES ON THE SAME SITE WHICH OFFER GOOGLE ADSENSE COMPETITION IN THEIR FIELD IS NOT ALLOWED. LINK STRUCTURES RESEMBLING THE ADSENSE ADS IS A STRICT NO.RUNNING OTHER COMPETITIVE SEARCH TOOLS ON THE SAME PAGES WHICH HAVE ADSENSE POWERED GOOGLE SEARCH IS ALSO NOT ALLOWED. THEY DO ALLOW AFFILIATE OR LIMITED-TEXT LINKS. UPDATE: GOOGLE HAS ALLOWED YOU TO RUN CONTEXTUAL ADVERTISING LIKE YAHOO ADS, AUCTION ADS, ETC PROVIDED THE ADS DO NOT RESEMBLE ADSENSE ADS.IF IN DOUBT ALWAYS ASK FOR CLARIFICATION FROM GOOGLE.

5. CONFIDENTIAL INFORMATION RELATING TO YOUR LIKE THE CTR, CPM AND INCOME DERIVED VIA INDIVIDUAL AD UNITS OR ANY OTHER CONFIDENTIAL INFORMATION THEY MAY REVEAL TO YOU ARE NOT TO BE DISCLOSED. YOU MAY REVEAL THE TOTAL MONEY YOU MAKE AS PER RECENT UPDATES TO THE TOS.

6. LABEL HEADINGS AS “SPONSORED LINKS” OR “ADVERTISEMENTS” ONLY. OTHER LABELS ARE NOT ALLOWED.

7. ADSENSE ADS SHOULD OPEN ON THE SAME PAGE. IF ADS ARE OPENING IN A NEW PAGE ON YOUR SITE, CORRECT IT NOW AS GOOGLE DOES NOT WANT NEW PAGES OPENING FROM CLICKED ADS.

8. ONE ACCOUNT WILL DO. IF YOU FEAR THAT IF ONE ACCOUNT IS CLOSED DOWN FOR VIOLATION OF TOS, AND SO HAVE OPENED, 5 ACCOUNTS FOR 5 DIFFERENT WEBSITES,THEY WILL CLOSE ALL ACCOUNTS WHEN THEY FIND OUT. PLACE THE CODES. THEY WILL AUTOMATICALLY DETECT THE NEW SITE AND DISPLAY RELEVANT ADS.

9. ADVERTISERS PAY ONLY FOR CONTENT BASED ADS. CONTENT DRIVES RELEVANT ADS.SO PLACE YOUR ADS ON CONTENT PAGES. ALTHOUGH YOU MIGHT MANAGE SOME CLICKS FROM ERROR, LOGIN, REGISTRATION, “THANK YOU” OR WELCOME PAGES, PARKING PAGES OR POP UPS, THIS TOO WILL GET YOU OUT OF THE PROGRAM.

10. ALTERATION OF COLOURS AND BORDER IS A FACILITY TO BLEND OR CONTRAST ADS AS PER YOUR SITE REQUIREMENTS. I HAVE SEEN MANY SITES WHERE THE URL PART IS OF THE SAME COLOUR----. AS THE BACKGROUND. WHILE BLENDING THE AD WITH YOUR SITE IS A GOOD IDEA, HIDING RELEVANT COMPONENTS OF THE ADS IS NOT ALLOWED. BLOCKING VISIBILITY OF ADS BY OVERLAPPING, POP UPS, IMAGES, ETC. SHOULD BE AVOIDED AS IT IS NOT ALLOWED.

11. SENDING YOUR ADS BY EMAIL >>> HTML FORMATTED EMAILS LOOK GOOD AND ALLOW PLACEMENT OF THESE JAVASCRIPT ADS. BUT IT IS NOT ALLOWED AS PER TOS. YOU DO NOT WANT IMPRESSIONS REGISTERING ON THEIR LOGS FROM ANY EMAIL EVEN ONCE.

12. KEEP TRACK OF YOUR CONTENT. SO ADSENSE IS NOT ALLOWED ON SEVERAL NON CONTENT PAGES. BUT IT IS ALSO NOT ALLOWED ON SEVERAL CONTENT PAGES TOO.LIKE PAGES WITH---- MP3, VIDEO, NEWS GROUPS, AND IMAGE,PORN,VIOLENCE,ILLEGAL,CONTENT.

13. DO NOT ALTER THE RESULTS AFTER AD CLICKS OR SEARCHES - ENSURE YOU ARE NOT IN ANY WAY ALTERING THE SITE WHICH THE USER REACHES TO AFTER CLICKING THE ADS.

14. AVOID EXCESSIVE ADVERTISING AND STUFFING A LOT OF KEYWORDS.- GOOGLE ADSENSE WITH CORRECT PLACEMENT, FOCUSED CONTENT AND HIGH TRAFFIC WILL GET YOU MUCH MORE INCOME THAN OTHER PROGRAMS, SO EXCESSIVE ADVERTISING IS NOT REQUIRED. KEYWORD STUFFING DOES TARGET BETTER FOCUSED ADS, BUT OVERDOING IT IS NOT REQUIRED.

15. ENSURE YOU LANGUAGE IS SUPPORTED.IF YOUR WEB PAGES LANGUAGE IS NOT SUPPORTED, DO NOT USE THE CODE ON SUCH PAGES.

16. MAXIMUM 2 REFERRAL BUTTON PER PRODUCT PER PAGE - WITH THE LAUNCH OF THE GOOGLE ADSENSE REFERRAL PROGRAM, YOU ARE ALLOWED TO PUT ONLY 2 REFERRAL BUTTONS FOR ADSENSE REFERRAL, ADWORDS REFERRAL, GOOGLE PACK AND FIREFOX WITH GOOGLE TOOLBAR REFERRAL.

17. NEVER USE ADSENSE ADS AS ALTERNATE URLS.

18. DO NOT CONFUSE WITH ADJACENT IMAGES. MAKE SURE THAT THE ADS AND IMAGES ARE NOT ARRANGED IN A WAY THAT COULD EASILY MISLEAD OR CONFUSE YOUR VISITORS. MORE.

WHENEVER IN DOUBT, IT IS BETTER TO ASK FOR ADSENSE HELP FROM THE LEARNED AND HELPFUL STAFF OF GOOGLE ADSENSE.I DO HOPE THIS ARTICLE WAS USEFUL.

ADSENSE----REVENUE SHARING

THE MAIN PURPOSE OF WRITING THIS ARTICLE IS THE FACT THAT NOWADAYS MANY ARE JUMPING INTO THE ADSENSE REVENUE-SHARING BANDWAGON WITHOUT THINKING FOR A MOMENT THAT THEY MAY BE OUT OF THE GOOGLE ADSENSE PROGRAM FOR NO FAULT OF THEIRS!!!!! ADSENSE PUBLISHER ID IS THE ONLY UNIQUE NUMBER THAT CAN DISTINGUISH YOUR OWN ADSENSE CODE FROM ANOTHER PUBLISHER'S CODE. IF AN ADSENSE BLOCK IS DISPLAYED WITH YOUR PUBLISHER ID ON A SITE THAT YOU DO NOT OWN, YOU WILL STILL RECEIVE THE ADVERTISING REVENUE GENERATED FROM THAT SITE BECAUSE THE CODE ON THAT SITE IS ACTUALLY TIED TO YOUR GOOGLE ACCOUNT VIA THE ADSENSE PUB ID.

WHEN A SITE STEALS YOUR ADSENSE CODE,OR YOU ENTER INTO A REVENUE SHARING ARRANGEMENT WITH A SITE....WHERE YOU VOLUNTARILY GIVE YOUR ADSENSE CODE, NO DOUBT YOU COULD MAKE SOME EXTRA MONEY FROM SOMEONE ELSE'S CONTENT AND TRAFFIC. BUT IAM PERSONALLY AGAINST THIS FOR THE REASONS GIVEN BELOW: 1. GOOGLE'S SMART PRICING: IF YOU ARE DISPLAYING GOOGLE ADS ON A NUMBER OF WEBSITES, EVEN ONE LOW-PERFORMING WEBSITE CAN CAUSE GOOGLE TO LOWER THE AD PRICES (CPM) OF ALL SITES IN YOUR ACCOUNT.IF YOU HAPPEN TO GIVE YOUR CODE TO A LOW-QUALITY SPAM SITE , THIS COULD INDIRECTLY AFFECT YOUR ADSENSE EARNINGS FROM EXISTING SITES.YOU MAY ARGUE THAT YOU WILL BE GIVING YOUR ADSENSE CODE TO ONLY HIGH TRAFFIC WEB SITES.COME ON!! THINK--- IF THE SITE WITH WHICH YOU HAVE ENTERED INTO A REVENUE SHARING ARRANGEMENT,HAS TOLD YOU THAT IT HAS HIGH TRAFFIC,THEN WHY SHOULD IT GO IN FOR A SHARING ARRANGEMENT WITH THE OWNER OF A LOW TRAFFIC WEBSITE SUCH AS YOURS AND LOWER HIS EARNING BECAUSE YOURS IS A LOW PERFORMING SITE?GOT ME? 2. IMAGINE SOMEONE PASTING YOUR ADSENSE CODE ON A PORN SITE - WHILE GOOGLE WILL NOT ONLY BAN YOUR ADSENSE ACCOUNT FOR THIS IMMEDIATELY, YOU ARE SURE TO RECEIVE A WARNING FOR SOMETHING WHICH YOU HAVENT' DONE. SO,PLS PLS,THINK TWICE BEFORE ENTERING INTO A REVENUE SHARING ARRANGEMENT WITH ANYONE. HOPE YOU FOUND THIS POST HELPFUL.

FINALLY HEAVY TRAFFIC TO YOUR SITE!

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