The domain yahoo is one of the most popular in the world and it has become a market leader by providing the much needed access to many services for the customers. The first thing you can benefit from it is the establishment of an email ID which will go long way in launching you into a world where communication can happens with ease. You can open your communication links through the yahoo messenger and other benefits are having your own space for albums and have your file storage in which you can review them from any place. You can get a domain and begin the process of having your own web site.
Yahoo has therefore brought and continues to bring a world of difference by providing the free services. Through domain yahoo you will get to see all the products that provided and above the mentioned products are yahoo widgets, yahoo travel, yahoo tool bar, yahoo small business, yahoo shopping, yahoo search, yahoo real estate, yahoo photos, yahoo music, yahoo mobile, yahoo message board, yahoo local, yahoo groups, yahoo finance, yahoo bookmarks, yahoo autos, yahoo 360 and so many other products. Yahoo also provides another vital service pertaining to domains. Domain locking is the prevention of unauthorized transfers to another registrar. Domains that are registered through yahoo can access this service.
You can get access to so much more information through domain yahoo and some of the most common questions that are asked are on how to lock and unlock your domain and the effects of locking. People also want to know how to create a domain name and yahoo has all the information for you to read. Firstly, a good domain name according to yahoo should be clear and simple. People should not have trouble remembering it and, it should show the kind of business you do. Domain names are therefore very vital and to come up with a unique address, you need to spend some time and make sure you have the right name. Remember that domains should contain letters, numbers and hyphens.
You are advised to re angle your domain name if you find that it is already in use. It is also good to think of where you register the domain and make sure that it serves your purpose. At domain yahoo, you will find a private domain registration which will help you safeguard your personal information from the public. This is because many domain owners have their contact details exposed to the public because the information is required by the internet governing body. But, yahoo will make sure that before people access your information, you are first alerted by their business partner Melbourne IT. You will be overwhelmed by the possibilities yahoo has to offer. Take sometime and read about the domain and discover so much more, you will find a service you are looking for with ease. The name will continue to break new grounds as it becomes more and more popular to many customers.
Sunday, August 3, 2008
Monday, July 21, 2008
Assurant Affordable Health Access
The health insurance solution for employees’ individual needs
It’s simple. Offering access to quality health care coverage not only attracts quality people, it helps keep them. And for an employer, there’s no cost whatsoever.
Plans start for as little as $34 per month. Both individual and family coverage is available. And employees can keep their coverage even if they switch jobs.
In trying financial times, many employers are simply financially unable to offer employees health insurance. Now there’s a way for employees to get an affordable individual health insurance solution – Assurant Health offers you Assurant Affordable Health Access.
Assurant Affordable Health Access Plans
Health Access Plans provide coverage for services people value most like doctor office visits and prescriptions. There are even benefits for services that can help keep you well, like preventive care and immunizations.
Why it works for employers
It’s simple. Offering access to quality health care coverage not only attracts quality people, it helps keep them. And for an employer, there’s no cost whatsoever.It costs you nothing.
But it means everything to your employees.
Your employees want access to quality health care and you want to offer it, but cost can be a deterrent.
Now Assurant Health makes it easy for you to offer access to health insurance with Assurant Affordable Health Access Plans – affordable limited-benefit individual medical plans for employees of small businesses.
Affordable Plans and Coverage
We offer three different plans with three different levels of benefits. Each features affordable coverage for the kind of everyday expenses people value most. You can offer access to coverage to employees, employees and their dependents, or even to their dependents only.
Administration is easy.
You can conveniently deduct premium from your employees’ paycheck and you receive one consolidated bill for all your employees.
And the cost?
Absolutely no cost for employers and as little as $34 per month for employees. Who couldn’t afford a plan like that?
Why it works for employees
Plans start for as little as $34 per month. Both individual and family coverage is available. And employees can keep their coverage even if they switch jobs.Finally, affordable health insurance for your everyday needs
Health Access is a way for you to gain access to an affordable health plan!
With a Health Access Plan from Assurant Health, you don’t have to take the risk and go without health insurance. You’ll have coverage for the benefits you value most – like doctor office visits and prescriptions. There are even benefits for services that can help keep you well, like preventive care and immunizations.
Choose the plan that fits
Three different plans. Three different benefit levels. Choose the one that best fits a particular budget, and particular needs. Both individual and family plans are available.
Sunday, July 20, 2008
Where to Take Your Portable Trade Show Exhibit
As you craft your event strategy and determine where to travel with your portable trade show exhibit, you need to determine which shows will provide the greatest return for your time and budgetary investment.
Setting Goals
Before selecting the shows you want to attend, you must quantify your exhibit goals. While organizations use event marketing for different reasons, it is essential to have a clear vision of your specific objectives. For example, one or more of the following questions should address your event participation objectives:
Setting Goals
Before selecting the shows you want to attend, you must quantify your exhibit goals. While organizations use event marketing for different reasons, it is essential to have a clear vision of your specific objectives. For example, one or more of the following questions should address your event participation objectives:
- How many leads or sales do you want to generate from exhibiting
- How many key decision makers do you want to reach if you are introducing a new product?
- Do you want to secure media exposure, competitive intelligence or industry trend data? And if so, detail what you want to accomplish.
- How many current customers do you want to engage at select shows. If this is a goal, set specific objectives such as incremental sales from your existing customer base, hedging against competitor offers, and/or maintaining “share of wallet” among your customer base.
- Do you want to check out what a major competitor is doing with his or her portable trade show exhibit before you invest in one?
Once you determine your objectives, put them in writing and use them as a starting point for considering specific shows to attend over a one to three year period (depending on your specific industry and planning time-line).
Defining Your Target Audience
Thoroughly understanding your buyers (industry, title, geography, motivations, product need/usage, etc.) and how purchase decisions are made are essential to selecting opportunistic events that will yield results.
This information should be the same target audience descriptive data that was used to develop your overall product message and portable trade show exhibit display.
Evaluating Shows
With a keen understanding of your objectives and audience, you are in a strong position to evaluate events and make thoughtful decisions about those that represent the best opportunities.
Begin by reviewing performance at shows you have attended in the past. If you have had two consecutive years of disappointing results with a given show, it may be time to remove it from your travel list. Conversely, make sure to keep strong performers on your “A” list to attend.
Then, carefully review other event options with the following considerations:
- Ask for past attendee lists, counts and demographic information from show sponsors. This data will help determine the number and percent of attendees likely to be viable prospects for you.
- Contact exhibitors from past shows to get a feel for the event and your potential. (Of course, it would be ideal if you could personally visit the show before participating.)
Inquire about the type of booths on display and, if possible, determine whether your portable trade show exhibit is sufficient to attract attention from competitors.
- Consider the city where the event is being held. Is it likely that a large number of your prospects will travel and attend?
- Approach with caution any new show where no attendee or performance data is available. Even if the price is right, rather than pioneering new ground, your time may be better served elsewhere.
- Evaluate your opportunities for enhanced visibility and awareness based on show participation.
Ask your event sponsor about targeted marketing and sponsorship opportunities before, during and after the event.
- Inquire about exhibit hall configuration and available space to ascertain your potential for securing a premium, high-traffic location.
- Ask about conference services, power sources, plumbing, and any other associated fees you may incur with your portable trade show exhibit.
Once you’ve scrutinized your options, look at your final list of show choices and, once again, match them against your objectives and how you believe they will perform. Consider testing a new show from time to time when indicators suggest strong results.
Tuesday, July 15, 2008
Ganesh Himal Trek - 19 Days 18 Nights
The mountain named with the god of wisdom elephant headed Ganesh.This trek is structured in such a way that one can be able to know the life style of different community & varieties of beautiful sceneries of the Himalayan range as well as greenery paddy field.Black & white two lakes which you may visit the Ganesh Himal Base Camp where twin waterfalls called Ganga & Yamuna offers joy to ones heart.This trek is not famous as Annapurna however it is recommended by many trekkers as its red beautiful rhododendron blooms-Nepalnational symbol.Visit Gorkha-a birth place of the founder of modern Nepal,King Prithvi Narayan Shah.While traveling on the hilltop,one can see the abode of Prithvi Narayan Shah.
Itinerary Details
Day 01 Kathmandu to Gorkha
Day 02 Gorkha to Arughat
Day 03 Arughat to Soti Khola
Day 04 Soti Khola to Labu Bensi
Day 05 Labu Bensi to Khorlak
Day 06 Khorlak to Jagat
Day 07 Jagat to Ngyak
Day 08 Ngyak to Bih
Day 09 Bih to Ghap
Day 10 Ghap to Hinari
Day 11 Hinari to Sama Gaon
Day 12 Sama Gaon to Larkya Bazar
Day 13 Larkya Bazar to Puguda
Day 14 Puguda to Tilije
Day 15 Tilije to Jagat
Day 16 Jagat to Bahundanda
Day 17 Bahundanda to Beshisahar
Day 18 Beshisahar to Dumre
Day 19 Dumre to Kathmandu
Tuesday, July 8, 2008
Top 10 Auto Insurance Myths
The color of my car determines my auto insurance rate. My credit score has no bearing on my insurance premium. I have auto insurance coverage so my new car is already covered… right?Maybe not! Below is a list of fallacies many car owners believe and drive by each day. The truth just might make you change course.
Myth #10 "No-fault insurance means it's not my fault!"
False. No-fault insurance means that your insurance company pays for your damages regardless of who's at fault.
Myth #9 "The color of my car affects my insurance rate."
False. The color of your car does not impact your car insurance rate. What does influence your rate is your vehicle's year, make, model, body type, and engine size, along with your credit history and driving record.
Myth #8 "If I lend my car to a friend and that friend is in an accident, his or her insurance company will pay for the damages… right?"
False. Your car, your responsibility! And guess what, even though you weren't present at the time of the accident, you still will receive a mark on your insurance record and your insurance premium could possibly go up.
Myth #7 "My insurance rate is set by the government."
False. The government does not set your car insurance rate. Where you live, your credit score, marital status and your driving record is what actually affects your premium.
Myth #6 "I recently paid my insurance premium, so the new car I just purchased is covered."
Not necessarily. Most automobile policies require that the policyholder notify the insurance company or agent within a specified number of days, if indeed coverage is desired for the newly purchased vehicle.
Myth #5 "It's a fact. Males under the age of 25 pay more for auto insurance."
True and False. Males under 25 years old can potentially pay more for car insurance than female drivers. However, across the board, teenagers and seniors pay more for auto insurance, in large part because these age groups are typically involved in more automobile accidents.
Myth #4 "My credit score has no effect on my insurance rate."
False. Your credit score really does matter! Many Insurance companies take your credit score into consideration when deciding to increase or renew your auto insurance coverage.
Myth #3 "Even without comprehensive coverage, I'm still covered for theft, windstorms, hail and deer accidents."
False. Many drivers believe that if they only purchase collision insurance-which covers damage to your car resulting from driving accidents--that they will also be covered for incidents that involve vandalism, hail, animal accidents and fires. That simply is not true. You need to purchase both collision and comprehensive coverage in order to fully protect your vehicle from all of these situations.
Myth #2 "My personal auto insurance covers both my personal and business use of my car."
False. If you occasionally use your personal car for business purposes such as transporting clients, going to and from meetings or hauling business equipment, then you will more than likely need to extend your personal car insurance to cover your business use as well. Plus, if your employees use their car while working for you, you will want to also obtain a separate non-owned car insurance policy.
Myth #1 "I've never had or been involved in a car accident, so I don't need automobile insurance."
False. Some drivers are lucky enough never to have been or to be involved in an accident. However, car insurance is the best protection you can have in the event of an automobile accident. It's also a legal issue. You are legally required to have some form of auto insurance, and failing to do so carries some fairly strict punishments.
To find an auto insurance plan that fits your needs and budget, get free auto insurance rate quotes. You'll be able to compare car insurance rates from over 12 insurance providers, helping you save time and money on your auto insurance.
Sunday, June 15, 2008
Wednesday, June 4, 2008
Legend of Manakamana
Legend has it that Queen of Gorkha King Ram Shah (A. D. 1614-1636) possessed divine powers known only to her devotee LakhanThapa.
One day, the King found his Queen disguised as a Goddess. Following the revelation, he mentioned it to his Queen and suddenly died. He was cremated and his Queen committed sati by jumping into his funeral pyre, as per the custom.
Before she jumped into the funeral pyre, she consoled her lamenting devotee Lakhan saying she would reappear near his home. Six months later, a farmer ploughing his field hit a stone, cleaved it and blood and milk flowed from it which ceased only when Lakhan worshipped it with his tantric knowledge.
The site became foundation of the present shrine. The present pujari is the 17th generation descendent of Lakhan Thapa.
The Shrine of Manakamana renovated many times over the centuries has four story pagoda style roofs with entrance from the South-West. The pujari performs daily prayers and ritual in the temple behind closed doors by offering eggs, oranges, rice, red powder and strips of cloth to the deities. On completion of the pooja of the shrine by the priest, the turn of the public begins.
Manakamana temple lies 12 Km south of historic town Gorkha and located on a prominent ridge (1302 MT. above sea level) overlooking the river valleys of Trisuli (south) and Marsyangdi (west). The unique location of the place is dramatized during winter when the ridge appears as an island above the sea of morning mist. People believe Manakamana Devi fulfills the wishes of her devotees, thus called the wish fulfilling deity.
Spectacular views include deep valleys, terraced fields and the Manaslu-Himalchuli and Annapurna ranges. In the past, the only access to the region was by arduous climb of over five hours but one can now visit the shrine in comfort by Manakamana cable car. The reward on reaching the shrine is spiritually satisfying.
One day, the King found his Queen disguised as a Goddess. Following the revelation, he mentioned it to his Queen and suddenly died. He was cremated and his Queen committed sati by jumping into his funeral pyre, as per the custom.
Before she jumped into the funeral pyre, she consoled her lamenting devotee Lakhan saying she would reappear near his home. Six months later, a farmer ploughing his field hit a stone, cleaved it and blood and milk flowed from it which ceased only when Lakhan worshipped it with his tantric knowledge.
The site became foundation of the present shrine. The present pujari is the 17th generation descendent of Lakhan Thapa.
The Shrine of Manakamana renovated many times over the centuries has four story pagoda style roofs with entrance from the South-West. The pujari performs daily prayers and ritual in the temple behind closed doors by offering eggs, oranges, rice, red powder and strips of cloth to the deities. On completion of the pooja of the shrine by the priest, the turn of the public begins.
Manakamana temple lies 12 Km south of historic town Gorkha and located on a prominent ridge (1302 MT. above sea level) overlooking the river valleys of Trisuli (south) and Marsyangdi (west). The unique location of the place is dramatized during winter when the ridge appears as an island above the sea of morning mist. People believe Manakamana Devi fulfills the wishes of her devotees, thus called the wish fulfilling deity.
Spectacular views include deep valleys, terraced fields and the Manaslu-Himalchuli and Annapurna ranges. In the past, the only access to the region was by arduous climb of over five hours but one can now visit the shrine in comfort by Manakamana cable car. The reward on reaching the shrine is spiritually satisfying.
Tuesday, June 3, 2008
The trek to Gokyo provides an excellent opportunity to see an eyeful view of the Mt. Everest at close range.
This trek is to be considered as an alternative trek to the traditional Everest Base Camp trek that offers magnificent view of the mountain peaks and the Ngozumpa Glacier- the largest in the Nepal Himalayas.
The image of of this region is associated with the soaring view of the most popular mountains in Nepal, at an altitude of 8000m including Cho Oyu, Everest, Lhotse and Makalu which are clearly visible from Gokyo Ri (5483m.) above Gokyo Lake. The image of of this region is associated with the soaring view of the most popular mountains in Nepal, at an altitude of 8000m including Cho Oyu, Everest, Lhotse and Makalu which are clearly visible from Gokyo Ri (5483m.) above Gokyo Lake.
One of the most remarkable feature of the trek is the view of tremendous ice ridge between Cho Oyu and Gyachung (2922m) located in Khumbu region. One of the most remarkable feature of the trek is the view of tremendous ice ridge between Cho Oyu and Gyachung (2922m) located in Khumbu region.
This extraordinary trek is also worthy in a sense that it offers an ample opportunity to explore the amazing destination and its impressive sight, which is beyond human imagination.
This trek is to be considered as an alternative trek to the traditional Everest Base Camp trek that offers magnificent view of the mountain peaks and the Ngozumpa Glacier- the largest in the Nepal Himalayas.
The image of of this region is associated with the soaring view of the most popular mountains in Nepal, at an altitude of 8000m including Cho Oyu, Everest, Lhotse and Makalu which are clearly visible from Gokyo Ri (5483m.) above Gokyo Lake. The image of of this region is associated with the soaring view of the most popular mountains in Nepal, at an altitude of 8000m including Cho Oyu, Everest, Lhotse and Makalu which are clearly visible from Gokyo Ri (5483m.) above Gokyo Lake.
One of the most remarkable feature of the trek is the view of tremendous ice ridge between Cho Oyu and Gyachung (2922m) located in Khumbu region. One of the most remarkable feature of the trek is the view of tremendous ice ridge between Cho Oyu and Gyachung (2922m) located in Khumbu region.
This extraordinary trek is also worthy in a sense that it offers an ample opportunity to explore the amazing destination and its impressive sight, which is beyond human imagination.
Friday, March 28, 2008
Insurer’s business model
Profit = earned premium + investment income - incurred loss - underwriting expenses.
Insurers make money in two ways: (1) through underwriting, the process by which insurers select the risks to insure and decide how much in premiums to charge for accepting those risks and (2) by investing the premiums they collect from insureds.
The most difficult aspect of the insurance business is the underwriting of policies. Using a wide assortment of data, insurers predict the likelihood that a claim will be made against their policies and price products accordingly. To this end, insurers use actuarial science to quantify the risks they are willing to assume and the premium they will charge to assume them. Data is analyzed to fairly accurately project the rate of future claims based on a given risk. Actuarial science uses statistics and probability to analyze the risks associated with the range of perils covered, and these scientific principles are used to determine an insurer's overall exposure. Upon termination of a given policy, the amount of premium collected and the investment gains thereon minus the amount paid out in claims is the insurer's underwriting profit on that policy. Of course, from the insurer's perspective, some policies are winners (i.e., the insurer pays out less in claims and expenses than it receives in premiums and investment income) and some are losers (i.e., the insurer pays out more in claims and expenses than it receives in premiums and investment income).
An insurer's underwriting performance is measured in its combined ratio. The loss ratio (incurred losses and loss-adjustment expenses divided by net earned premium) is added to the expense ratio (underwriting expenses divided by net premium written) to determine the company's combined ratio. The combined ratio is a reflection of the company's overall underwriting profitability. A combined ratio of less than 100 percent indicates underwriting profitability, while anything over 100 indicates an underwriting loss.
Insurance companies also earn investment profits on “float”. “Float” or available reserve is the amount of money, at hand at any given moment, that an insurer has collected in insurance premiums but has not been paid out in claims. Insurers start investing insurance premiums as soon as they are collected and continue to earn interest on them until claims are paid out.
In the United States, the underwriting loss of property and casualty insurance companies was $142.3 billion in the five years ending 2003. But overall profit for the same period was $68.4 billion, as the result of float. Some insurance industry insiders, most notably Hank Greenberg, do not believe that it is forever possible to sustain a profit from float without an underwriting profit as well, but this opinion is not universally held. Naturally, the “float” method is difficult to carry out in an economically depressed period. Bear markets do cause insurers to shift away from investments and to toughen up their underwriting standards. So a poor economy generally means high insurance premiums. This tendency to swing between profitable and unprofitable periods over time is commonly known as the "underwriting" or insurance cycle. [6]
Property and casualty insurers currently make the most money from their auto insurance line of business. Generally better statistics are available on auto losses and underwriting on this line of business has benefited greatly from advances in computing. Additionally, property losses in the US, due to natural catastrophes, have exacerbated this trend.
Finally, claims and loss handling is the materialized utility of insurance. In managing the claims-handling function, insurers seek to balance the elements of customer satisfaction, administrative handling expenses, and claims overpayment leakages. As part of this balancing act, fraudulent insurance practices are a major business risk that must be managed and overcome.
Insurers make money in two ways: (1) through underwriting, the process by which insurers select the risks to insure and decide how much in premiums to charge for accepting those risks and (2) by investing the premiums they collect from insureds.
The most difficult aspect of the insurance business is the underwriting of policies. Using a wide assortment of data, insurers predict the likelihood that a claim will be made against their policies and price products accordingly. To this end, insurers use actuarial science to quantify the risks they are willing to assume and the premium they will charge to assume them. Data is analyzed to fairly accurately project the rate of future claims based on a given risk. Actuarial science uses statistics and probability to analyze the risks associated with the range of perils covered, and these scientific principles are used to determine an insurer's overall exposure. Upon termination of a given policy, the amount of premium collected and the investment gains thereon minus the amount paid out in claims is the insurer's underwriting profit on that policy. Of course, from the insurer's perspective, some policies are winners (i.e., the insurer pays out less in claims and expenses than it receives in premiums and investment income) and some are losers (i.e., the insurer pays out more in claims and expenses than it receives in premiums and investment income).
An insurer's underwriting performance is measured in its combined ratio. The loss ratio (incurred losses and loss-adjustment expenses divided by net earned premium) is added to the expense ratio (underwriting expenses divided by net premium written) to determine the company's combined ratio. The combined ratio is a reflection of the company's overall underwriting profitability. A combined ratio of less than 100 percent indicates underwriting profitability, while anything over 100 indicates an underwriting loss.
Insurance companies also earn investment profits on “float”. “Float” or available reserve is the amount of money, at hand at any given moment, that an insurer has collected in insurance premiums but has not been paid out in claims. Insurers start investing insurance premiums as soon as they are collected and continue to earn interest on them until claims are paid out.
In the United States, the underwriting loss of property and casualty insurance companies was $142.3 billion in the five years ending 2003. But overall profit for the same period was $68.4 billion, as the result of float. Some insurance industry insiders, most notably Hank Greenberg, do not believe that it is forever possible to sustain a profit from float without an underwriting profit as well, but this opinion is not universally held. Naturally, the “float” method is difficult to carry out in an economically depressed period. Bear markets do cause insurers to shift away from investments and to toughen up their underwriting standards. So a poor economy generally means high insurance premiums. This tendency to swing between profitable and unprofitable periods over time is commonly known as the "underwriting" or insurance cycle. [6]
Property and casualty insurers currently make the most money from their auto insurance line of business. Generally better statistics are available on auto losses and underwriting on this line of business has benefited greatly from advances in computing. Additionally, property losses in the US, due to natural catastrophes, have exacerbated this trend.
Finally, claims and loss handling is the materialized utility of insurance. In managing the claims-handling function, insurers seek to balance the elements of customer satisfaction, administrative handling expenses, and claims overpayment leakages. As part of this balancing act, fraudulent insurance practices are a major business risk that must be managed and overcome.
Thursday, March 20, 2008
Business Selection Checklist
Benefits: Those who are interested in starting a new business are often told that they should select a business that takes advantage of their skills and experience. But that often leaves them perplexed because they don't really know how to go about doing that. The attached file will clarify some of the confusion by allowing you to rate your interests and compare them to various business possibilities. Once you've completed the "test," you should be well on your way to choosing the business that's right for you.
File Description: The file contains a two-page document in rich text format (RTF) that is suitable for use with most word processing programs used in the Windows environment.
Special Features: Included are the following:
File Description: The file contains a two-page document in rich text format (RTF) that is suitable for use with most word processing programs used in the Windows environment.
Special Features: Included are the following:
- a place for you to rank all of the business you're currently considering
- an exercise for rating those various business ideas
- a means for interpreting the results of the exercise and a method for selecting the business that's right for you or at least for narrowing your list
Sunday, February 24, 2008
Adsense Tips
Real figures are the page impressions, clicks and earnings. Google updates these - usually - several times during the day Derived figures are the figures you can calculate yourself but Google displays for your convenience. These get automatically updated based on what the real figures are showing at any point in time.
What we've learnt since the program started:
1. Big picture You need to look at the big picture. The figures your stats give you at any point during the course of the day are likely to be inaccurate. If you check your stats several times during the day do it for amusement value (and negligible site monitoring value) and don't get concerned or ecstatic till a few hours after the end of the day.
2. Stats Updates/Speed of Updates Sometimes there are long delays in updating stats. If your stats update every two hours but one day you see no update for 12 hours - that is natural behaviour. There's no need to panic. Not even if other webmasters are seeing normal updates.
3. What's updated Google updates the real figures. The derived figures are just a local calculation based on the real figures. It's best to ignore the derived figures during the course of the day.
4. The Lag Google updates different real figures at different speeds during the course of the day. Let us take some examples and see how they pan out
- A. At 2.00 PM your stats get updated but what Google hasn't told you is that the page impression figure is the latest figure from 1.00 PM but your clicks and earnings figures are from 11 AM. This will appear to be a sharp drop in CTR, CPM and, of course, clicks and earnings. - B. At 10 PM your stats get updated but what Google hasn't told you is that the clicks and earnings are from 7 PM but the impressions figure is from 5 PM. This will appear, at first glance to suggest you've had a sharp rise in CTR etc. which is not necessarily the case.
So how do you monitor these figures? Ans: By ignoring odd looking figures during the day and seeing how they pan out by close of business.
5. Close of business figures It's midnight on the west coast of the US of A, 8 AM in London and you want to see the latest figures. note: You can't assume the figures you see there are the closing figures. Only when you start seeing some numbers for the new day can you assume that the previous days figures have all been updated and aren't going to change anymore.
6. Slow stats predate changes to program Usually when there are several consecutive days of extra slow stats updates there is an improvement or change to the adsense program imminent. We saw these delays before the introduction of channels, before Smart Pricing, before the introduction of various new versions of TOS, and at several other times that Google made changes to the program (even when they were just adding support for new languages). It's not cause to panic.
7. Some figures carried forward several days Following on from point 4 it has often been observed that Google carry some figures forward for several days. They may freeze some quantities of clicks (and the associated earnings) to examine in closer detail for clickfraud/tracking purposes. If they do this it is possible to see earnings shoot up sharply on a day when you least expect it to because they may credit you with several days worth of frozen clicks/earnings... all in one hour. Your mid day CTR could shoot up from 0.5 to 10%, your CPM could shoot up from $2.00 to $200... it will gradually drop over the course of the day but still end up higher than previous days. Make a note of the days this happens. It may be useful when you are doing long range analyses of your stats.
8. Because of point 7 above the closest you can get to a serious analysis of your figures is to look at them over the course of several days/weeks/months (and preferably excluding the last few days from your analysis). One method used to great effect by some members here is the rolling average (Google it if that's an unfamiliar term).
Common Issues Raised Here
EPC does matter/ EPC doesn't matter
It does and it doesn't. First, you have no control over EPC. Even Google has very little control over EPC. There is some evidence (based on Google earnings data published at time of IPO) that Google pays publishers 70% or more of what Adwords collects from advertisers but the EPC of your own ads are influenced by a lot of variables including advertiser budgets, seasonal changes, ad campaigns launched and ceased ... and many others. The productive thing to do is to concentrate on metrics that you do have control over like page impressions and - to a certain extent - clicks (by optimising the position/colour of your ads).
What's an average CTR/CPM/EPC? How do I know if I'm doing as well as I can? Personally I feel that any discussion of average CTR/CPM/EPC across different sites with different subjects, in different countries ... is a complete waste of time. First, there is no way of working out an average unless Google discloses the full figures that only they know. Any average calculated from figures disclosed by webmasters here is likely to be skewed because the people who do well won't disclose their figures so you have an incomplete picture. If there are only two categories of publisher who make either <$100 or >$10,000 then how will the knowledge that the average is $4,000 be of any benefit to anyone? It could drop to $1,500 if one or two of the multimillion dollar publishers pull out. And adding a million other sub $100 publishers may not move the average by more than a couple of dollars.
Someone else feel free to do a PART II covering "Search" and "Channels" or, if I have the time in a few days, I may attempt it. :)
Happy earnings ...and good mental health ;)
What we've learnt since the program started:
1. Big picture You need to look at the big picture. The figures your stats give you at any point during the course of the day are likely to be inaccurate. If you check your stats several times during the day do it for amusement value (and negligible site monitoring value) and don't get concerned or ecstatic till a few hours after the end of the day.
2. Stats Updates/Speed of Updates Sometimes there are long delays in updating stats. If your stats update every two hours but one day you see no update for 12 hours - that is natural behaviour. There's no need to panic. Not even if other webmasters are seeing normal updates.
3. What's updated Google updates the real figures. The derived figures are just a local calculation based on the real figures. It's best to ignore the derived figures during the course of the day.
4. The Lag Google updates different real figures at different speeds during the course of the day. Let us take some examples and see how they pan out
- A. At 2.00 PM your stats get updated but what Google hasn't told you is that the page impression figure is the latest figure from 1.00 PM but your clicks and earnings figures are from 11 AM. This will appear to be a sharp drop in CTR, CPM and, of course, clicks and earnings. - B. At 10 PM your stats get updated but what Google hasn't told you is that the clicks and earnings are from 7 PM but the impressions figure is from 5 PM. This will appear, at first glance to suggest you've had a sharp rise in CTR etc. which is not necessarily the case.
So how do you monitor these figures? Ans: By ignoring odd looking figures during the day and seeing how they pan out by close of business.
5. Close of business figures It's midnight on the west coast of the US of A, 8 AM in London and you want to see the latest figures. note: You can't assume the figures you see there are the closing figures. Only when you start seeing some numbers for the new day can you assume that the previous days figures have all been updated and aren't going to change anymore.
6. Slow stats predate changes to program Usually when there are several consecutive days of extra slow stats updates there is an improvement or change to the adsense program imminent. We saw these delays before the introduction of channels, before Smart Pricing, before the introduction of various new versions of TOS, and at several other times that Google made changes to the program (even when they were just adding support for new languages). It's not cause to panic.
7. Some figures carried forward several days Following on from point 4 it has often been observed that Google carry some figures forward for several days. They may freeze some quantities of clicks (and the associated earnings) to examine in closer detail for clickfraud/tracking purposes. If they do this it is possible to see earnings shoot up sharply on a day when you least expect it to because they may credit you with several days worth of frozen clicks/earnings... all in one hour. Your mid day CTR could shoot up from 0.5 to 10%, your CPM could shoot up from $2.00 to $200... it will gradually drop over the course of the day but still end up higher than previous days. Make a note of the days this happens. It may be useful when you are doing long range analyses of your stats.
8. Because of point 7 above the closest you can get to a serious analysis of your figures is to look at them over the course of several days/weeks/months (and preferably excluding the last few days from your analysis). One method used to great effect by some members here is the rolling average (Google it if that's an unfamiliar term).
Common Issues Raised Here
EPC does matter/ EPC doesn't matter
It does and it doesn't. First, you have no control over EPC. Even Google has very little control over EPC. There is some evidence (based on Google earnings data published at time of IPO) that Google pays publishers 70% or more of what Adwords collects from advertisers but the EPC of your own ads are influenced by a lot of variables including advertiser budgets, seasonal changes, ad campaigns launched and ceased ... and many others. The productive thing to do is to concentrate on metrics that you do have control over like page impressions and - to a certain extent - clicks (by optimising the position/colour of your ads).
What's an average CTR/CPM/EPC? How do I know if I'm doing as well as I can? Personally I feel that any discussion of average CTR/CPM/EPC across different sites with different subjects, in different countries ... is a complete waste of time. First, there is no way of working out an average unless Google discloses the full figures that only they know. Any average calculated from figures disclosed by webmasters here is likely to be skewed because the people who do well won't disclose their figures so you have an incomplete picture. If there are only two categories of publisher who make either <$100 or >$10,000 then how will the knowledge that the average is $4,000 be of any benefit to anyone? It could drop to $1,500 if one or two of the multimillion dollar publishers pull out. And adding a million other sub $100 publishers may not move the average by more than a couple of dollars.
Someone else feel free to do a PART II covering "Search" and "Channels" or, if I have the time in a few days, I may attempt it. :)
Happy earnings ...and good mental health ;)
Monday, February 11, 2008
Earn Money Quickly - How To Find Products To Make Cash Fast
Earn Money Quickly - How To Find Products To Make Cash Fast
We live in a time where an increasing number of people are living from paycheck to paycheck with little, if any, money remaining at the end of pay period. Few people have insufficient savings for emergency situations. Unforeseen circumstances often create a crisis where money is needed immediately. For example: During the winter months, it's common for someone to have a fender bender with their car. Insurance covers most of the repair but there is a deductible which can be $500, $1000, or more. So, how does one come up with an extra $1000 quickly? Some people look at the internet as a potential source to earn money quickly. The internet is a good source to make cash fast, however, there are two issues that must be resolved: (a) what to sell? and (b) how to advertise? This article will identify three ideas on what to sell to make cash fast. Additional resources for further information will also be provided.
1. Information Products Write and sell your own e-book:
One of the best ways to get started in online marketing is to sell information product e-books. An e-book is a document that is created as a file on the computer. The e-book communicates information others will want to read. Generally an e-book is 30 or more pages long. An e-book can be delivered via the internet as a Microsoft Word document or a Text document, but the preferred method is as an Adobe PDF-format document.
There are two barriers most people need to overcome.
The first is that they're not a writer. The second is that they lack information of value that others will want to buy. The chances are that both of these are perceptions but not truth. If one can write an email and send it to a friend or business colleague, they can write an e-book. The document will need to be free of spelling errors and major grammatical errors. This can be overcome either by using the computer's spell-check and grammar-check tools or with the help of a friend that can do the editing.
The second barrier is that they don't have information of value that others will want to buy. It is necessary to have marketable knowledge, skills, or experience. For example, a person with experience or special knowledge as a gardener, landscaper, fix-it person, sheet-rocker, deck builder, money manager, golf instructor, coach, or electrician likely has information of marketable value. A person with a knack for explaining something, that often confuses other people, can market that ability. Take some time and think through these things. Talk to a friend, relative, or professional colleague and ask their opinion. All of the ideas that surface are source material for e-books.
2. Affiliate Marketing Become an Affiliate:
Many businesses have an Affiliate Program that offers others the opportunity to sell their products. The "affiliate" promotes their products online and receives a commission on all sales. It shouldn't cost anything to become an affiliate. However, the affiliate will need a website to market the products.
Entering into an Affiliate Agreement is fast and provides quick access to a broad variety of products and services. The affiliate's challenge is to find ways to effectively market these products and services.
It's easy to find businesses that offer an affiliate program. Let's assume a person wants to sell JEWELRY. Go to Google and enter in the phrase "jewelry +affiliate". Google will list numerous companies that offer affiliate programs associated with the sale of jewelry. Click on the search engine listing, look at the company's Affiliate Program Terms and Conditions, and sign up. It's as simple as that. Get some promotional materials from the company and start the online marketing of their products.
3. Online Auctions Sell items in an online auction:
Many people have a storage space in their basement, attic, or closet where they put things that seldom or never get used. After awhile, they've got so much stuff they start looking for more space. They might think of these items as "junk". In reality, they are sources of cash. Why not sell these items on the internet in an online auction. In many cases these items are worth more than one would anticipate.
Online auctions are a real easy way to earn money quickly. It's probably one of the best ways to make cash fast. Once all the personal items have been sold, offer to sell items for friends and neighbors. Take a percentage of the sale (e.g. 25% - 40% of the sell price). The friends or neighbors benefit from making money on the sale and they benefit by freeing up space taken by their "junk". A person can further expand this into a business by purchasing excess inventory at highly discounted prices and then turning around and selling those items for a profit. In many cases, the excess inventory can be purchased in an online auction. Auctions are a quick way to bring in some money and a website is not needed to make it happen. Furthermore, it is not necessary to be a "business" to sell personal items online.
Ebay makes it very easy to set up an account at no charge. Once an account is set up, a person can sell most anything. There are multiple ways to receive payments with no up-front expense to the seller. Just list the item, download a digital photo of the item to be sold, and enter a description for the item. Another benefit of an online auction is that the search feature in the auction site makes it very easy for products to be found.
Conclusion:
There are multiple alternatives available to anyone that wants to sell products online and earn money quickly. You don't have to be wealthy or a college graduate to come up with a product to sell and to market that product online. It just takes a strong desire to make it happen and the discipline to stick with it once you've started.
Expert advice for individuals needing to earn money quickly and to help them find products that can be sold to make cash fast When unforeseen circumstances require you to earn money fast check out these resources.
We live in a time where an increasing number of people are living from paycheck to paycheck with little, if any, money remaining at the end of pay period. Few people have insufficient savings for emergency situations. Unforeseen circumstances often create a crisis where money is needed immediately. For example: During the winter months, it's common for someone to have a fender bender with their car. Insurance covers most of the repair but there is a deductible which can be $500, $1000, or more. So, how does one come up with an extra $1000 quickly? Some people look at the internet as a potential source to earn money quickly. The internet is a good source to make cash fast, however, there are two issues that must be resolved: (a) what to sell? and (b) how to advertise? This article will identify three ideas on what to sell to make cash fast. Additional resources for further information will also be provided.
1. Information Products Write and sell your own e-book:
One of the best ways to get started in online marketing is to sell information product e-books. An e-book is a document that is created as a file on the computer. The e-book communicates information others will want to read. Generally an e-book is 30 or more pages long. An e-book can be delivered via the internet as a Microsoft Word document or a Text document, but the preferred method is as an Adobe PDF-format document.
There are two barriers most people need to overcome.
The first is that they're not a writer. The second is that they lack information of value that others will want to buy. The chances are that both of these are perceptions but not truth. If one can write an email and send it to a friend or business colleague, they can write an e-book. The document will need to be free of spelling errors and major grammatical errors. This can be overcome either by using the computer's spell-check and grammar-check tools or with the help of a friend that can do the editing.
The second barrier is that they don't have information of value that others will want to buy. It is necessary to have marketable knowledge, skills, or experience. For example, a person with experience or special knowledge as a gardener, landscaper, fix-it person, sheet-rocker, deck builder, money manager, golf instructor, coach, or electrician likely has information of marketable value. A person with a knack for explaining something, that often confuses other people, can market that ability. Take some time and think through these things. Talk to a friend, relative, or professional colleague and ask their opinion. All of the ideas that surface are source material for e-books.
2. Affiliate Marketing Become an Affiliate:
Many businesses have an Affiliate Program that offers others the opportunity to sell their products. The "affiliate" promotes their products online and receives a commission on all sales. It shouldn't cost anything to become an affiliate. However, the affiliate will need a website to market the products.
Entering into an Affiliate Agreement is fast and provides quick access to a broad variety of products and services. The affiliate's challenge is to find ways to effectively market these products and services.
It's easy to find businesses that offer an affiliate program. Let's assume a person wants to sell JEWELRY. Go to Google and enter in the phrase "jewelry +affiliate". Google will list numerous companies that offer affiliate programs associated with the sale of jewelry. Click on the search engine listing, look at the company's Affiliate Program Terms and Conditions, and sign up. It's as simple as that. Get some promotional materials from the company and start the online marketing of their products.
3. Online Auctions Sell items in an online auction:
Many people have a storage space in their basement, attic, or closet where they put things that seldom or never get used. After awhile, they've got so much stuff they start looking for more space. They might think of these items as "junk". In reality, they are sources of cash. Why not sell these items on the internet in an online auction. In many cases these items are worth more than one would anticipate.
Online auctions are a real easy way to earn money quickly. It's probably one of the best ways to make cash fast. Once all the personal items have been sold, offer to sell items for friends and neighbors. Take a percentage of the sale (e.g. 25% - 40% of the sell price). The friends or neighbors benefit from making money on the sale and they benefit by freeing up space taken by their "junk". A person can further expand this into a business by purchasing excess inventory at highly discounted prices and then turning around and selling those items for a profit. In many cases, the excess inventory can be purchased in an online auction. Auctions are a quick way to bring in some money and a website is not needed to make it happen. Furthermore, it is not necessary to be a "business" to sell personal items online.
Ebay makes it very easy to set up an account at no charge. Once an account is set up, a person can sell most anything. There are multiple ways to receive payments with no up-front expense to the seller. Just list the item, download a digital photo of the item to be sold, and enter a description for the item. Another benefit of an online auction is that the search feature in the auction site makes it very easy for products to be found.
Conclusion:
There are multiple alternatives available to anyone that wants to sell products online and earn money quickly. You don't have to be wealthy or a college graduate to come up with a product to sell and to market that product online. It just takes a strong desire to make it happen and the discipline to stick with it once you've started.
Expert advice for individuals needing to earn money quickly and to help them find products that can be sold to make cash fast When unforeseen circumstances require you to earn money fast check out these resources.
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