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Clean Web Design Posted on Apr 26, 07 at 11:41 pm.

Does your website have a clock, a local weather conidition, news headlines, stock market updates, a visitor counter, a guest book, or background music? If it does, get rid of these meaningless additions that can only do harm to your website. First, these additional features slow down the page download. Visitors hate slow pages more than anything. They often leave before the page download is complete. Second, these "cool" features serve only as distractions. Do you want visitors to focus on your informative content or do you want them to look up the weather forecast? A visitor spends about 20 seconds at a website. If they spend 10 out of the 20 seconds looking at the weather or news, will they have the time to read about your content? Third, these additional features may confuse search engines on what your site is truly about, thus negatively impact your natural search engine rankings. Why would national news headlines or stock market info have anything to do with your products and services? Fourth, none of these "cool" gadgets adds any value to your website. If you add a local weather condition on your site, do you believe visitors will come back to your site to check out the weather? Some of these useless features are provided by your web hosting company for free. Just because they are free, it doesn't mean they are good for your website. As a website owner, by all means to avoid these website add-ons that can only give your visitors a bad experience and lower your search engine rankings. • Full Story

How to Make Yourself Virtually Identity Theft PROOF in 60 Minutes or Less Posted on Apr 26, 07 at 12:00 am.

The FBI has called it âThe fastest growing crime in America.â Close to 10 million Americans every year are victimized by it and the costs are estimated at 50 billion dollars annually. Many criminals get off easy while the victims spend years working to restore their damaged credit reports and reputations. Worse yet, there seems to be no end in sight. âThe popularity of the crime is simply growing faster than the solutions to stop itâ many experts conclude. The task of recovery is so time consuming and tedious, multiple states have resorted to creating âIdentity Theft Passportsâ for victims in an attempt to ease the pain for them as they endure the lengthy and frustrating clean up process. By the end of this article I will share with you the secrets of making yourself virtually identity theft proof in 60 minutes or less (for free). I use the term âsecretsâ because less than 1% of the country are aware of these techniques (let alone practicing them). If Americans took these preventative steps up to 99% of all identity theft would be eliminated. However, âwhyâ this beneficial approach is not being made common knowledge in the mainstream media is something I will not disclose in this article (more on that another time). For the moment I believe the biggest crime one can commit is to not share this information with their friends and family (by the end of this article you will understand why). Unlike other authors covering this subject I will not insult your intelligence by sharing common sense tips like âDonât carry your SSN Card or ATM PIN# in your wallet or purseâ or âKeep all data sensitive documents like credit card and bank statements locked up in your home or officeâ. This is elementary advice at best. The key to protecting yourself from identity theft is to look at what the masses are doing and then do the opposite (to say the least). Almost 70% of Americans are now shredding all their mail and documents and many are even subscribing to credit monitoring services or buying identity theft insurance in an attempt to protect themselves from becoming victims. While this is better than doing nothing itâs a far cry from TRUE security. Study The Past To Predict The Future Contrary to popular belief statistics show the majority of identity theft does NOT result from the internet as most consumers have been led to believe. In fact, less than 10% of identity theft cases (where data compromise can be determined) originated online. In almost 50% of cases consumers are the ones who detect the breach. In nearly 40% of cases the criminal was someone who was in close contact with the victim (friend, relative, neighbor, coworker, in-home employee, waiter/waitress or financial institution employee). In then end, nearly one third of identity theft cases come from a stolen wallet/purse, checkbook or credit card. More interesting, the age of the primary victim has lowered. If you are between the age of 25 to 34 you are now the largest target for the crime (65+ has become the smallest). The bad news is that while identity theft nationwide is on the decline (8.9 million victims last year down from 9.3 million in 2005) the dollar amount per victim is going up ($6,383 last year, up from $5,885 in 2005) and so are the number of hours victims spend cleaning up the mess (40+ hours last year, up from 28 hours in 2005). Weâve all heard the saying âAn ounce of prevention is worth a pound of cureâ. Yet, no one is practicing it in the pandemic of identity theft. Credit monitoring is nice but only 11% of consumers ever catch identity theft through this means. Identity Theft Insurance (according to many experts) is even more of a hoax. A product marketed by playing on the fears of American consumers which does nothing more than assist them in cleaning up the mess only AFTER their identity has been stolen. A Different Approach The following is a completely different approach to preventing and protecting yourself from identity theft. It is based on the reality that we live in a world now where there is zero privacy of personal data. Meaning that your name, address, phone number, social security number, date of birth (even your mothers maiden name) can be obtained by ANYONE for a fee. If youâre one who feels this is paranoid thinking let me tell you about Amy Boyer. In 1999 Miss Boyer had an old high school classmate (Liam Youens) come back into her life many years later. Mr. Youens obtained Amyâs SSN and other personal information after paying Docusearch Inc. $150. After Youens shot Miss Boyer to death he then turned the gun on himself. Today the company tells visitors to its website that ânot all searches are available to the publicâ and some are reserved for the investigative and legal industry. Howâs that for homeland security? With this âdifferentâ approach we break down identity theft into two distinct categories. 1.) Basic Identity Theft, and 2.) Credit Hijacking. By definition âBasic Identity Theftâ is when the perpetrator steals your identity and then uses it to obtain NEW credit accounts for their personal gain. âCredit Hijackingâ falls under a criminal stealing your identity in order to access and use your EXISTING credit accounts. Each type of fraud is different and therefore so is your plan of defense. BASIC ID THEFT DEFENSE: The best proactive defense against basic identity theft is through the placing of an âInitial Fraud Alertâ on all three of your credit reports. This âInitial Fraud Alertâ accomplishes three important factors: 1.) Your name and personal information can no longer be sold by the credit bureaus to ANY third parties for any marketing purpose (i.e. credit card offers, loan solicitations or credit pre screenings). 2.) No one can be approved for credit with your personal information until the creditor personally calls you at the telephone number you list on your consumer credit report. And, 3.) Requesting this initial fraud alert entitles you to a free copy of all three of your credit reports (one copy from each of the three major credit reporting agencies). Please be advised that this is an âInitial Fraud Alertâ which lasts only 90 days. To extend the fraud alert and obtain the above mentioned benefits for 7 years you will need to write to each credit bureau at the address provided within your initial fraud alert confirmation letter (Note: It is likely credit bureaus will make the extended alert harder to obtain as a great deal of their revenue comes from the third party rental and sale your information). CREDIT HIJACKING DEFENSE: Most online merchants now utilize a security feature known as âAddress Verification Serviceâ or âAVSâ. AVS is a security feature for online merchants allowing them to only authorize credit card transactions for merchandise to be shipped to the same address which appears on the consumers credit card billing statement. If the address does not match that of the credit card billing statement the transaction will automatically be declined. In other words, if someone gets your credit card number, expirations date and CVV code (the three digit code on the back of the card) the only way a transaction can be authorized online is if the merchandise if shipped to the SAME address that your credit card billing statement is currently sent to. This is what makes credit hijacking so dangerous. When a criminal hijacks your credit they call up the banks (posing as you) and change your address on your credit cards with your personal information (i.e. last for of SSN and mothers maiden name) as if you were moving. They then proceed to order thousands of dollars in merchandise (online or over the phone) to be shipped to the ânewâ address. Because they changed âyour addressâ on your credit cards they will bypass the AVS security from online merchants and the charges will be approved. The only real defense against credit hijacking is to establish a personal security code with all your bank accounts and credit cards. This is a form of security which goes beyond your SSN, Zip Code, Date of Birth or Mothers Maiden Name to give you a whole new tier of personal security. This is a unique number or group of letters and numbers which you create and give to every credit card provider you have. For example. The number could be as simple as âJACOB2801â which is a combination of your best friend as child and the numerical address of the home you lived in growing up. By establishing this auxiliary passcode with all your credit card providers no one will be granted access to your accounts without it providing it to them. Since you are the only one who knows it and it is non public it is truly secure. I have yet to find a credit card company which will not allow you to create a such a passcode and added layer of security. Summary So now with the initial fraud alert established on your credit reports (and later extended) as well as the personal security code set up with all your bank and credit card accounts, you are virtually identity theft proof in under 60 minutes for free. Sure, someone can always âstealâ your identity but the real joke will be on them. If they try to open a new credit account anywhere in the country the creditor is going to have to call YOU at the phone number listed on your report in before it can be approved and itâs GAME OVER. If they try to hijack your credit by changing the address on your credit accounts they will be asked for not only the last four digits of your SSN and mother maiden name, but also your personal security code which they will NOT know and again itâs, GAME OVER. Please understand that this article deals only with the topic of "financial" identity theft which is by far the most prevalent today. However, you should be aware you also have the following "7 MAJOR" identities in computers across the nation which are your: 1.) Driving Records/History (DMV Databases). 2.) Medical Records/History (Medical Information Bureau Database). 3.) Social Security Records/History (SSA Database). 4.) Insurance Claims/History (C.L.U.E. Database). 5.) Criminal, Legal and Public Record databases from birth records and real estate deeds to corporations, trusts and court cases. Yes, we are in the information age but all information is stored in databases. I think we are now living in the database age. 10 Extra "Financial" Identity Protection Tips 1.) Keep a list of all credit card and bank account numbers with bank phone numbers so in case of loss or theft they can be notified immediately. 2.) Use only one credit card for personal expenses and one card for business expenses and monitor accounts online weekly. 3.) Always send or receive mail only through secure and locked mail boxes. 4.) Never give out any sensitive information (SSN, Acct #, Pin #, Password Etc) via an email solicitation. Always type in and visit the website directly. 5.) Limit the information on your checks to your first initial, last name and address (nothing more). 6.) On all credit cards instead of signing your name write âCheck ID!â. 7.) Never use a debit card or Visa/Master Check card as recovering fraudulently accessed funds from these accounts can be extremely difficult. 8.) Store all credit cards, bank statements and passports etc in a secure and locked place. 9.) Never give out your Social Security Number, Drivers License Number or Date Of Birth unless they have just cause and really need it. 10.) For details about establishing and initial fraud alert on your credit reports visit: www.experian.com, www.equifax.com, www.transunion.com Jay Peters is the marketing director of Consumer Publishing Group which publishes the âCredit Secrets Bibleâ (in print since 1994). For more information visit the website at www.credit-secrets-bible.net

Search for SEO Experts Posted on Apr 19, 07 at 9:33 am.

There are many search engine optimization (SEO) firms out there. They all claim that they can increase your website's rankings at Google, Yahoo and MSN. However, 70% to 90% of those firms have absolutely no clue on how design search engine-friendly websites and how to increase the natural search rankings of a website. Even worse, many of such companies employ old spam techniques that can lead to severe penalty including delisting of a website from a search engine's database. As a business owner, how do you find the true SEO expert? Start by Googling for SEO experts in your location. For example, Google the term Twin Cities SEO. If a SEO firm can't get its own website ranked at the top, do you think they can give your site No. 1 ranking? Ask for Google ranking samples of their client websites. If they have never worked with any clients on search engine optimization, chances are they are new to this. SEO is an art and science. You truly want to work with someone who has the skill and experience. Check for references! If a SEO firm has a happy client, the client would LOVE to tell you how much they appreciate the service. When done right, SEO can make a huge difference in bringing in more leads and sales. • Full Story

Google Search Dominance Posted on Apr 12, 07 at 11:37 am.

The latest search market share numbers are in from Hitwise: in the four weeks ended March 31st, Google racked up fully 64.13% of all US searches. That’s up more than 10% since March 2006, and, if trends hold, Google’s share will pass the two thirds mark by August. In the same period, Yahoo, Microsoft, and Ask all lost share. As the old Wall Street hands like to say: “Liquidity begets liquidity.” More from: Google Corners Nearly Two-Thirds of US Search Marketing From monitoring our own web sites and our client web sites, we have seen the same trend. If you get No. 1 ranking for a certain keyword phrase both at Google and Yahoo, you will see that Google brings 5 to 10 times more visitors than Yahoo. Another trend we have noticed is that visitors referred by Google tend to stay at the site longer, which may indicate they are more serious about either looking for info or looking into making the "Buy" decision. • Full Story

Agloco Make Easy Cash Online Posted on Apr 10, 07 at 10:01 am.

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county gets cash from heritage house (mendocino beacon)
seattle woman arrested on suspicion of credit card fraud (everett herald)
mountain 1st bank takes steps to fix deficiencies (the hendersonville times-news)
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citigroup named james bardrick and manuel falco co-heads of banking for the european region, replacing tom king, who … (efinancial news)
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