Applying for a Business Loan

by: Matt Bacak

Copyright 2005 The Powerful Promoter

The process of applying for a business loan is a stringent one as compared to the standard procedures in obtaining a home mortgage loan or a personal loan. This is probably due to the fact that business loans contain a greater risk element as compared to other loans. Therefore, lenders need to exercise greater caution and emphasis when evaluating business loan applications in order to minimize their risk exposure.

With that, lenders evaluate their applicants based on the information that are provided as well as their judgment of the viability and profitability of the business being financed. Thus, business loan applicants will be required to submit a loan proposal along with their applications with the purpose of creating a positive impression upon the lender.

The first element of a loan proposal is an executive summary, providing short descriptions of the type of business and the industry, the purpose and usage of the loan, the proposed repayment conditions as well as the intended loan period. After that, the company information is provided, enriching the reader with the nature of the business, the location of the business, company history, the products or services provided, key differentiation factors of the company or the product, the general growth of the industry, competitive information, growth potential and target customers.

It would help if you could include your company marketing strategy, detailed product information, historical information as well as projected growth plans for the company. Apart from that, if you plan to incorporate product or service extensions in the future, you should provide these descriptions within your loan proposal. If possible, geographical expansion plans will help in the proposal.

The next area that needs to be showcased in the proposal would be the credentials and experience of each member of the management team. Impressive credentials will provide assurance to the lender that the company is managed by individuals who are responsible and capable. This is important as having the wrong people managing the company could be detrimental for the business.

In any loan application, historical records are essential to be used in evaluating the performance of a company. As new companies do not yet have these records, the financial records of the owners will be used as the basis of evaluation. Income tax returns forms are also required by lenders. All of these records provided should be the latest copies less than 90 days old, with the exception of the income tax returns form.

If the loan is applied for an existing company in active operations, company financial statements, including profit and loss accounts, balance sheets and the net worth reconciliation record should be included in the loan proposal. Again, all of this information should also be the latest and less than 90 days old. Additionally, a listing of accounts receivables and other short term and long term debt should be attached.

On the other hand, if the loan application is submitted for a new business, a pro-forma balance sheet and profit and loss account should be provided. Apart from that, a cash flow projection for the upcoming year is drafted to indicate the possibility of recovering the debt. This also means that projected revenue, profits, costs incurred and expenditure should be listed out with definite explanations provided as well as a list of assumptions.

If you possess assets that you wish to use as collateral for your loan, details for this should be provided to the lender as well. It is often common for lenders to request for dual sources of repayment in the event that one source is defaulted. This means that if the business owner defaults on his repayments, the collateral can be sold in order to recover debt.

Finally, other documents normally required for a loan application would be items like the article of incorporation, lease agreements, partnership agreements, license, references, etc. As the list of required documentation, information and attachments differs between lenders, it is best to check with the individual lender on their specific information and documents required to be attached with the loan proposal.


About the author:
Matt Bacak, The Powerful Promoter and Entrepreneur Magazine e-Biz radio show host, became a "##1 Best Selling Author" in just a few short hours. He has helped a number of clients target his specialty, opt-in email direct marketing systems. The Powerful Promoter is not only a sought-after internet marketer but has also marketed for some of the world's top experts whose reputations would shrivel if their followers ever found out someone else coached them on their online marketing strategies. For more information, visit Bacak's site at http://www.powerfulpromoter.comor sign up for his Powerful Promoting Tips at http://www.promotingtips.com

Read more...

Bankruptcy 101

by: Mansi gupta

‘Bankruptcy’ the term that can raise the goose bumps of almost every individual who hears it and even a nervous breakdown to those who confront it. Bankruptcy stands for the situation when a person runs into huge debts and there is hardly any money left with him to repay those debts. The clouds of bankrupt situation can hover over anybody’s life be it a successful business man who has never ever fathomed it or any greenhorn entrepreneur who had thought of going a long way ahead.

There are several reasons behind this insolvency-

Indebtedness-people usually take big loans from the banks and private companies in order to run successfully their business or company. However, since the economy is constantly fluctuating, one might not be able to incur expected results or profits. So, the loan debt with interest rates gets piling on. The loan can also be taken to pay off a bill that you missed paying. The loan is taken instantly in this case without an assessment of the interest rates. This can be cause snags later.

The credit card bills are also a source of trouble. They are charged with good interest and at the end of the month when the expenditure has chewed your month’s income; the credit card bill can make you bite the dust.


In the world today where fraud and betrayals are considered to be the bets virtues, any partner or shareholder or director might connive to pitch the company or business to bankruptcy. Here the reasons can be mutual squabbles and vengeance.

Gradual denouncement from the market- the commodity you sell today at price X, may be sold tomorrow by some other company at a much cheaper price Y. This can oust or eject your product from the market replacing it with a relatively cheaper one.



However, where there is a will, there is definitely a way. Just as there are two sides of a coin, there are two aspects attached to everything. When you glare at the negative side of the situation, its positive aspect is lurking behind according to which bankruptcy can be seen a situation that provides you a golden chance to start things afresh.

This is done by filing your application for bankruptcy, in a way seeking help from the government to help you overcome the disaster. Once you forward your application and it is accepted, the government repays most of your debts. This becomes possible by taking hold of your assets and dividing them amongst the creditors in an organized manner. But the debts that are associated with embezzlement or those huge ones that cannot be covered up via one’s assets can be problematic. In case of businesses filing for bankruptcy, certain procedure has to be followed up.

Besides this there are a few debt consolidation services that advertise themselves through television, print media etc. Debt consolidation signifies using a loan provided by that service to repay other debts. This loan is comparatively at a lower rate of interest and it often becomes easier for many to repay one loan instead of five to six ones.

In any case, if you are seeking financial aid from the government, banks, services etc., there stands the barrier of qualification. It is that you should be able to prove the service or the bank that your case is authentic and not a fraud. In order to escape future troubles, the government has formulated strict laws and eligibility criterion in this area.


However, in any case it is better to seek the advice of an advisor before seeking help to make up your crisis. This will not just educate you about all the related terms and conditions but also the possible legal and financial consequences. Just keep in mind that help always comes to those who are look for it with a true heart.


About the author:
Mansi gupta writes about bankruptcy Learn more at http://www.bankruptnomore.com

Read more...

7 Financial Strategies for Transitioning from Salaried to Solo

by: Nina Ham

Copyright 2005 Success from the Inside Out

A 40’s something woman was talking to me the other day about her growing sense of frustration with “working for someone else” and her longing to “do my own thing, drive my own wagon”. But, she said with consternation, “I have family counting on me and a standard of living I don’t want to sacrifice.”

Everyone has to decide for themselves what level of sacrifice and risk they’re willing to undertake in order to enjoy the satisfactions of working independently. Knowing some strategies for managing the risk will allow you to make a well-informed decision.


Of the seven strategies included below, the first two suggest ways to gradually transition from salaried to solo, instead of diving off the edge. The second two are ways to stretch the dollar; and the final three are ideas for getting started without stopping.

1. Continue to draw a (reduced) salary
Leaving your current employment in order to develop your new business may look like the only option, based on an assumption that you won’t get approval for reducing your hours. While this may prove to be the case, asking yourself why and how your company will profit from retaining your skills and experience for a transitional period can provide the basis for approaching your employer. Be sure to do your homework first, however, and be able to back up your request with a solid rationale.
Also consider the issue of timing. You want to weigh informing your employer of your wish to leave with being prepared to leave if the answer to your request is no.

2. Develop another income stream
If you need to leave your present employment, is there a skill in your toolbag that you can resuscitate and put to work without a significant expenditure of time or energy? Is moonlighting or freelance work an option? Virtual e-lancing websites (such as eWork.com, Guru.com, and e-lance.com) may be worth looking into for short-term professional services opportunities.
Examples: A community mental health worker transitioning to private practice used his conflict resolution experience to sell a training package to public schools. A woman transitioning out of an insurance brokerage created and sold seminars on long term care financing at local retirement centers.

3. Reduce expenses
Apart from fixed expenses - mortgage, taxes, insurance, etc. –are discretionary expenses that make up the larger part of budgets. Doing a careful analysis of these expenses and choosing what you can forego for awhile can often save thousands per year.
Carefully analyzing hidden expenses – credit card interest rates, bank charges, late fees, auto debits, phone plans – or “lost money” from low interest rates on savings may generate several thousand more per year.


4. Borrow
It isn’t necessary to wait to borrow for start-up costs until you have a well-documented idea to submit for a business loan. Refinancing a home or taking a line of credit are relatively low-cost ways of generating capital. Depending on your credit rating, you can also get time-limited low-interest loans from credit card companies.
If you choose this option, applying for loans or refinancing packages while you’re still employed is strongly advised. Your rating as a borrower declines quickly once the regular paychecks stop.

You don’t have to wait!
Get started on your new business idea while you’re still employed. Several of the all-important first steps (below) can be started while standing in the grocery line or running on the treadmill. They involve asking yourself some questions and doing some informal research to get crystal clear about your idea. This can take weeks off your actual start-up time.

5. Identify your niche.
Think about the services you’re uniquely qualified to provide, as well as the ones you most enjoy providing. Be specific! Write them down! Then think about what group of people would get benefit from those services and have the ability to pay for them. Again, be specific: age, where they congregate, habits and values, how they define the problem your services are going to solve. If you don’t know, ask. Find someone who fits your “ideal client” profile (s/he may be on the treadmill next to yours at the gym) and get permission to ask some questions. People generally love to be helpful.

6. Create your marketing plan.
Don’t be intimidated by the term “marketing plan”. While what you need from a marketing plan will get more sophisticated as your business develops, for now it simply means answering the question, How is my business going to make money? What is the product or service you’re going to sell? How will you describe it so people quickly recognize the value? How will you package it? (fee for service? by the project? on retainer?) How will you price it? (What’s being charged for comparable services? What “feels right” to you?)

7. Manage fear!
For most people, anything involving money involves some level of fear. It’s important to acknowledge to yourself and to others that you are taking a risk, and you’ve decided it’s a risk you want to take. So consider the fear natural, and find ways to manage it.
Getting support from people who believe in you and in what you’re embarking on is #1 in fear-management tactics. Don’t assume that you’ll get it from the people closest to you, or that if you don’t have it you shouldn’t proceed. They’re probably the ones most impacted by your decision and so may be least ready to offer support. Their consent – a willingness to go along with your plan – is helpful, but support may have to come later.
It’s also helpful to set a goal (and a date for completion) that’s key to your new venture – arrange financing by a particular date, or sign a lease – and announce it to at least one person. You’ll find that making that commitment, saying it out loud, and following through will in turn generate more confidence and more forward momentum.

To all of you who are tired of marching to someone else’s drum and are eager to go solo, these strategies should help you take prudent but positive steps toward realizing your goal. Good luck!


About the author:
Nina Ham is an internationally certified women’s business coach and a licensed psychotherapist. Her company, Success from the Inside Out, provides programs and services essential for anyone making the salaried-to-solo transition, including niche identification, marketing fundamentals, and self management for solo professionals. Go to her site, http://www.SuccessfromtheInsideOut.comand take her free quiz, Is Going Solo for You?

Read more...

9 things you must do to maximize your chances of obtaining a small business loan

by: Neil Best

To get approval for your small business loan application, you must be able to meet the lending criteria set down. Some organisations are more risk averse than others, and will therefore have more stringent criteria.

To vastly increase your chances of a successful funding application, you will need to present the following information:

1. The reason for the loan. The lender will be looking for something that fits within the normal range and expertise of your business. The amount may cover a number of items, so you will need to cover each.

2. The amount required, and the repayment term of the small business loan you want. (e.g. $10,000 term 5 years, payable quarterly).

3. Details of how you will repay the amount borrowed. For example, “From the increase in profits of reduced running costs of the Whizzbang Go4It”

4. Details of security you will be able to offer to the lender. This will act as reassurance for the lender. If you’re not prepared to put up some aspect of security, then why should they?

5. You will need to include your business plan which will serve to answer essential questions relating to management capabilities, information about the market you operate in. What kind of business you are in etc.

6. 3 Years financial statements. You will need to present quality financial information from your accounting software, preferably signed off by your accountant or tax advisor.

7. Latest Set of Management accounts. Again produced from your accounting software.

8. Accounts receivables (debtors) and payables (creditors) ageing reports.

9. Principals financial statements. – Particularly required if some form of security is necessary.

If you are a new company, the emphasis is going to be on your business plan , and the security (also called collateral) you or your business can provide against the loan.

You must take the time to practice presenting your case to the bank or lender to iron out any glitches. Practice on your colleagues and family (you never know, they might be so impressed, they'll invest or lend!). It may help to role play the lender and come up with as many pointy questions as possible. The more time you take the better your chances will be. (But remember, don’t fall into the analysis paralysis trap!)

Good luck!


About the author:
Neil Best is an accountant with over 15 years experience in business finance. This article and other useful business finance information such as making effective business plans and sourcing and applying for business grants can be found at http://www.smallbusinessfinancetips.com/small-business-loans.html

Read more...

Blogging for Dollars

by: Sharon Housley

Blogging for dollars might sound like the latest game show or some new drinking game, but it's the latest craze to hit the Internet. Bloggers began blogging for a number of reasons, but as the blog movement has increased in popularity, they have found ways to monetize their blogs and are seeing their commitment pay off.

Whether a blogger's focus is to communicate with customers or just to have fun, they have begun looking at ways to earn revenue from their blogs. The most popular ways for bloggers to earn some added cash for their pet projects are:

1. ) Google Adsense in Blogs
Google AdSense allows webmasters to dynamically serve content-relevant advertisements in blogs. If the visitor clicks one of the AdSense ads served to the blog, the website owner is credited for the referral. Webmasters need only to insert a Google-generated java script into the blog or blog template. Google's spider parses the AdServing blog and serves ads that relate to the blog's content. Google uses a combination of keyword matching and context analysis to determine what ads should be served.

2. ) Affiliate Programs (Product Endorsements)
Affiliate Programs work when an affiliate web site receives income for generating sales, leads, or traffic to a merchant website. Generally, bloggers will mention or endorse specific products and if site visitors purchase the product, bloggers will receive a portion of the sale.

3. ) Product Promotion
Businesses use blogs to detail how specific features or product add-ons can increase functionality and save time. Content-rich product promotion will help with search engine placement.

4.) Banner Ads
While less popular than in the past, websites with high traffic levels can still earn decent revenue by selling banner space.

As the Internet evolves bloggers will continue to seek out ways to monetize their opinions and thoughts. Daily journals and online blogs have become more than just a communication means to many.


About the author:
About the Author:
Sharon Housley manages marketing for the NotePage http://www.notepage.netand FeedForAll http://www.feedforall.comproduct lines. Other sites by Sharon can be found at http://www.softwaremarketingresource.com, and http://www.small-business-software.net

Read more...

6 more free steps to making money online

by: Darren Power

Copyright 2004 Darren Power

If you read my previous article you will know that the goal of these articles is to teach you ways to get started making money online without having to spend any money.

This is the second in the series and this time we deal with having your own blog. There are endless ways of making money once you have traffic, and your blog will get you traffic. The income we will be looking at today will come from Google Adsense.

There are multiple benefits to having a blog including the low cost (or no cost), the resources that will help you get traffic to your blog and the fact that you can provide your blog as an RSS feed. An RSS feed will allow readers to automatically receive your updates into their RSS reader.

Let's get started with our 6 steps.

1. Set up your blog. You will need to decide what you are going to blog about. You should decide on a theme and name your blog appropriately.

There are a number of free ways to set up a blog & to have it hosted for free. We will go with Blogger.com for our first blog.

Blogger will allow you to set up a blog for free they will host it for free and they will ping search engines every time you update, meaning you will get spidered & found.

Visit blogger.com & click the button on the front page labelled 'create your blog now' then follow the step by step instructions that Blogger provide.

Some key settings you will want to get right are:

I) 'Host your blog at Blogger' = Yes
II) 'Add your blog to our listings' = Yes
III) 'Ping Weblogs.com' = Yes
IV) 'Publish Site Feed' = Yes

2. Write some content. Before we move any further there has to be some information on the site & that means that you have to make some entries. You can write some of these entries yourself & some can be quotes from sites of interest to your reader that you can post using the Google Toolbar.

You can download the Google toolbar for free at toolbar.google.com. The toolbar includes a Blogger button. When you visit a site that has something of interest to your readers you can highlight the appropriate text & click the Blogger button. The content will then be added to your blog along with a link back to the site.

3. Once you have some content eg a weeks worth of blogging with 1 or 2 entries for everyday, you can apply for an adsense account. When you sign in to Blogger you will see an invitation to join Adsense. Use this link and apply for an account.

You can find out all about Adsense on the Adsense page but basically you get Google ads on your site & get paid if your visitor clicks them.

Google will decide what adverts show on your site based on the content it finds within.

You need to be aware that Google will decline your application if your site is not considered to have content. Nobody outside of Google knows the precise rules on this.

Once you have been accepted you can get some javascript from Google to add to you site. Copy this & then log in to Blogger.

Once you have logged into your blog you will see that one of the tabs across the top of the screen is labelled 'Template'. Click this. You will need to know a little bit of HTML to help find the right location to paste your Google code. But with a little experimentation you will find the right place for you. See the resource box at the end of this article for more help.

I would suggest that the ads need to be seen when the site loads but should not be too obvious or dominate your site.

4. Write some more content. Try and keep your content coming at regular intervals as a number of directories will check on your site at regular intervals & the smarter ones will visit on a schedule based on your update schedule. They will probably determine this in the hours after you first submit to them. Which is what we will do next.

5. Submit your site to Blog & RSS directories. Because you are hosting at Blogger, Weblogs.com will already be notified when you update your blog. (That means that every time you make a new entry they are automatically notified) You will need to manually submit to the various other directories some of which will require a link on your site to theirs.

You can add these links to your template below your Blogger logo. For a list of directories to get you started visit www.themoneyseed.com/rss

6. Keep writing interesting content. Ideally you want people to come back again and again. As with customers its harder to get a new visitor than to keep existing visitors. So make it interesting, in fact make it so interesting that they can't help but tell all their friends about it also.

As with most free ways to make money this will take time to get going, but if you can build a following you will make money.


About the author:
Darren Power is the author of The Money Seed, your step by step guide to making money online. For supplimentary information & free resources related to this article visit www.themoneyseed.com/rss

Read more...

6 Easy Ways to Increase your Adsense Revenue

by: Scott Patterson

How much revenue do you generate from Google Adsense?

Recently there has been a lot of discussion about people who earn over $10,000 a month just from Adsense. Furthermore, there are rumors of a few individuals who earn over $1 million a year just from using the power of Google advertisements.

So what is Google Adsense and how can you use this program to earn a six-figure income?

About two years ago, Google created this program to help websites to monetize their web-traffic.

Here's how it works:

Webmasters obtain a special code from Google which then displays targeted ads on their website. Whenever a visitor clicks on one of these ads, the webmaster earns a commission. Unlike other online businesses, there is no selling involved. All you need to do is get people to click on the ads.

Although this is an excellent way to generate an income, many websites are not effectively maximizing their Adsense potential. As a result, they are leaving a lot of cash on the table.

The question is how can you increase your Adsense revenue without increasing the number of web visitors?

The key to earning an income with Google Adsense is to have your ads match the rest of the site, making them look like part of your content. Your focus is to avoid having the Adsense blocks look like blatant advertisements.

The following are six ways that you can do this and increase your revenue at the same time:


1) Find the right place- Most website visitors read content that is in the middle of a webpage. As a result, the best place to put your Adsense block is in the top part of the page, at the beginning of your web content. You want to weave the Google Ads into your web content to give the appearance that they are extra links which expand on the information of the page.

2) Use the Large Rectangle-With Google Adsense, you have the option of picking different ad formats. Most of the time people opt to use the Leaderboard (728x90) or Wide Skyscraper (160x600) style ads. Unfortunately, this is the wrong choice, because both look like blatant advertisements. Instead smart webmasters have found that using the Large Rectangle (336x280) yields the best amount of click-thrus.

3) Ditch the border- Many people experience a sharp increase in Adsense revenue when they changing their border. What they change is very simple…they get rid of the border on their Adsense blocks. This is another way to make the advertisements look like useful web content.

4) Adapt the font- Whenever you write content, it should be the same font size and style as your Google Adsense block. This will help make it appear that the advertisements are a natural part of your website.

5) Match the colors- In addition to changing the fonts, you also should match the colors of your website. For instance, if your content is written in black, and your hyperlinks are blue, then the Adsense blocks should also be the same color. Again, this helps the advertisements appear to be normal web content.

6) Don't have too many distractions- On a webpage, it is important to give web visitor a limited number of options. By having too many links and graphics, the web visitor might go to a section that doesn't help increase your profits. While it is important to inform and entertain your web visitor, it is also vital that you monetize your site. So if the main focus of your site is to earn an income through Google Adsense, then get rid of all non-essential links and graphics.

By taking the time to implement these six simple steps, you'll see a dramatic increase in the click-thru ratio of your ads. If added to all of the content of your site, your Adsense income will skyrocket!



About the author:
Scott J. Patterson earns over $12,000 a month, mostly through Google Adsense. To read about this and other home businesses you can try, download his fr*e ebook, The Secret-Guide to Home Businesses: http://www.duncemoney.com/adsense.html

Read more...

12 Things You Really Should Know About SEO

by: James Doc Lewis

From the very beginning of the Internet, the number one challenge which all of us have faced is how to attract qualified visitors to our websites. Throughout the boom years, one of the most popular solutions was to get massive funding, relatively easy to get in those days, and "buy" traffic, by various means.

As an iconoclastic young developer, with ambitions of beating the "big boys" at their own game, more time than money or the connections to get it, I sought a less capital intensive methodology to achieve the same results. Years of study and rapt attention to the pertinent forums, trying everything that even seemed to make sense (making many mistakes along the way, and learning much from each one), then carefully monitoring the results, has lead to many highly workable tools in our SEO bag of tricks. The outcome of these trial and error methods, (lots of both) lays the foundation of our SEO services and the basis for the ongoing growth of traffic to your website and ours.

The simple fact of the matter is this: Expertise in any other form of writing in no way qualifies one for the type of writing required to optimize a website for the Internet. There are many sites which have less than correct punctuation, grammar, and even spelling which rank #1 in their optimized search phrases. This is not to say that I don't think these things are important, only that to be found in the search engines, they are not the most important consideration.

The flip side of this argument is equally true. Just because someone knows all the ins and outs of all of the search engines, can write algorithms in their sleep, has lunches with Dr. Eric Schmidt and is on a first name basis with Larry Page and Sergey Brin, does not, in any way, make them a writer. All of the writing on this site was done as a collaborative venture between Susan K. Thompson, a professional writer with strong academic credentials and real world experience, in both business and marketing, and myself. Was there a lot of editing and re-write? Yes. Were there disagreements? You bet! Was it worth it? Look at the record.

Emerald Coast Entrepreneur was launched on May 1, 2005 with most site optimization in place and submission to the directories just beginning. With a total monetary investment of less than $100.00, and a time investment, I'd rather not think about, but which approached 300 hours, the site was given a PR5 ranking by Google on it's first update, less than 2 months after our launch.

Studies show that over 90% of all online users use search engines to find what they are looking for, whether products/services, or just plain old information.

The following twelve points will, I hope, summarize a philosophy, approach and methodology to the SEO question which is both sound and effective, along with giving some helpful insight into the industry itself.



1. Content. Content. Content.
Effective, professional, optimized Copywriting is the single, most important factor in any SEO campaign. Search engines index websites based on the content found on each page of the site. With a thorough understanding of the language and grammatical conventions combined with intensive research, to find and exploit the market focus, one can move a website to the upper echelon of the "SERP's" (Search Engine Results Page) in a methodical as well as ethical manner.

2. Analyze Web Logs.
Measure everything, at least twice, and then check again. While I would be the first to say that many of the procedures that make up website optimization are more art than science, one needs to take a very scientific approach to the results of the effort. This is done by methodically keeping a record of, and making an analysis of the sites web logs. There are a number of specialized software which make the job easier but at the bare minimum, one needs to keep a close eye on the site visitors and their activity while on the site. No matter how well planned the strategy, it is largely theoretical until proven by the results, which can only be measured by the logs, and a thorough analysis of their content.

3. No one can guarantee a #1 ranking on Google, or any other search engine.
Those who promise such feats will either optimize for such vague search term phrases (such as, "green stunted widgets with purple Polka-dots and icing") that no one will ever likely look for, or they are making a false claim, which they have no intention of keeping, or they have an inside edge at Google, something which they will loose, quickly, when the honest folks at Google find out about it. The other option, that they will take the money and run, is worth mentioning here but I'll be polite.

4. Some things are just plain silly.
You don't need to submit your site to 50,000 search engines. Businesses which offer this service are suspect, at best. 85% of the search results on the Internet come from one search engine, which, if you have one link from an established website, or better yet, a directory, will find your site just fine, on it's own. Four (4) search engines account for over 90% of the traffic on the web. As for any supposed benefit which may accrue from being listed in an obscure search engine in Botswana which specializes in safaris to the Kalahari Desert and receives 7 hits per day; well, you figure it out.

5. SEO is not Pay-per-Click.
While no one would argue the effectiveness of getting increased traffic and sales, through a well planned, pay-per-click campaign, the fact remains that the conversion rates are generally low and they cease the moment the "pay" stops. With a well planned and executed SEO campaign, while results may take a bit longer, they continue to produce, and in fact grow, long after the work is done and paid for. Quite often we have found that after a thorough optimization of a site, only minor adjustments are needed on an ongoing basis, primarily related to new content and/or new items of sale or service.

6. SEO is not witchcraft, Druidism, shamanism.
Neither does it require any special chants, ceremonial fires, or vestments, though some of us do like to howl at the full moon, on occasion. There are no "Top Secret" practices which a reputable SEO can not tell a client, a judge, or his mother, for that matter. The very nature of the Internet has always been cooperative and there is nothing about SEO that can't be learned, with a heavy dose of time and money. A reputable SEO firm will give you an item per item breakdown of just where the money goes. Be wary if you sense a secretive atmosphere or any unwillingness to answer questions. While there are technical points which might take some background to fully understand, if one has a solid overview of the entire situation, a simple explanation should be easy enough to come up with.

7. Do-it-yourself SEO.
Yes, you can execute your own SEO campaign and find a reputable SEO firm to help plan and organize it for you. About one half of my own clientele do some part of the actual work themselves, or have their in-house dedicated personnel do it, after discussion of the goals and aims of the business/website, a thorough website analysis, comprehensive search phrase research, and focused instruction on the ways and means of achieving high SERPs. These preliminaries are followed up with a detailed program of suggestions and methods which the client can then implement themselves or hire others to perform. Average savings; 30-40%.

8. Phased Implementation.
While many companies spend thousands of dollars per month on Search Engine Optimization, an alternative is available which will pay dividends to you in increased sales and leads without the high initial investment. The most important consideration is to have a reputable firm handle the initial evaluation and suggested optimization planning first. The trial and error method will cost much more, in the long run, with or without the desired result. After studying the plan and establishing a workable budget you may implement the plan as finances allow.

9. Remember the old saying, "If it sounds too good to be true, it probably is."
Never was this more true than in the realm of SEO. While concrete and measurable gains will always come from a well thought out and executed optimization strategy, the Internet is a competitive media and we all want to be number one. Accept that a steady upward movement, over time, will place you worlds ahead of a flash followed by a crash.

10. A thought to ponder.
At stake, in the race for the top, is the very existence of your website, your business, and quite possibly your reputation. Beware of any "shortcuts" or less than ethical schemes that anyone might suggest to further your business goals. When it's all said and done it is you, the business owner, who bears the responsibility for any company or individual you hire. Insist on knowing exactly what the strategy is and what steps are being performed to implement it. If it seems, in the least, suspicious, ask for and get an explanation. In this case, not only is Ignorance not bliss, it could very well be the beginning of the end for your business.

11. All incoming links are not created equal.
Both the relevance to your line of business and website subject matter and the PR value of the incoming link determine how valuable they are to your own PR ranking. With Google starting the trend, nothing new there, and most of the others following close behind, the days of grabbing all the inbound links, in any way possible, are gone. Not only will low ranked and/or irrelevant inbound links not help, they will, in fact, cause a penalty. Link farms, free-for-all link schemes, automated link accumulation software, or any other fad that doesn't carefully screen the links and websites they are coming from will, in the long run, do more harm than good.

12. It's more than just facts and figures.
The relationship between an online business and SEO is, perhaps, one of the closest of business relationships. In order to be effective, a SEO must know not only the facts and figures pertaining to the endeavor, but s/he must know something of the dreams and aspirations of the business principals. Things which don't normally come out in a prospectus are often invaluable information when searching for the "right fit" into the complex world of the Internet. My own clients sometimes ask, due to the frequency of my calls and email in the early phases, "Am I your only client?" I usually laugh and say something to the effect that until I know your business almost as well as you do, yes, you are the only one that counts.


About the author:

James 'Doc' Lewis spends much of his professional time as SEO for http://www.emeraldcoastentrepreneur.com/Emerald Coast Entrepreneur. Doc started practicing his magic long before the term SEO was even coined and continues to study and perfect methods of workable and cost effective SEO and SEM, devising unique solutions to diverse marketing challenges.

Read more...

How my page rank went from 0 to 5 in one update. How yours can too.

by: Joe Balestrino

Increase Your Google Page Rank!

This article will put a damper on web sites that sell information which will supposedly increase your page rank. I may make some enemies here, but this is already common knowledge. In fact, to make sure it worked, I designed a new site just for this purpose. Before you shell out money for an ebook, software, or CD telling you how to do this; read this article. If you achieve great results after following my advice and feel it was worth some money, feel free to write me a check for any amount you choose. I 'll add my own zeros.ļ

Page Rank. We all know what is. We all want to rank higher. Higher rankings mean a lot of things to a lot of people. To web masters it means achievement. They have accomplished a move in the right direction. A high page rank to a website owner is money in the bank. It is also an impressive accomplishment. To other website owners your page rank may be a source of envy.

To Google your page rank means quality, importance and relevancy. It lets Google know you are a viable resource and a valuable asset. Google takes your Page Rank and combines it with their text-matching techniques. This, combined with a page¡¦s content and the content of the pages linking to it, determines if your site is a good match. So, a higher Page Rank will certainly help you on Google.

As for surfers. Most of them could care less about your Page Rank. In fact, many of them don't even know what it is. However, those that do use it in a different way. Some use it as a way to unofficially gauge your credibility.

Ok, I am sure you've been wondering when I was going to tell you about how to achieve a ranking like I did. I went from a 0 Page Rank to a 5. Now, mind you, I did not purchase any links from high ranking sites, or any sites for that matter. I did not launch a link exchange program. I did exchange links with about five directories related to my site¡¦s topic, but that was it. Actually, 97% of my links are all one-way links (links pointing to my site).

So, how did I do it? Any ideas? If you know SEO you may already know the answer.
Link Farms? Of, course not. We know Google will frown on that method. Did I design or optimize sites and add my URL? Hmmm..Yes! However, that is a small percent of the success. SEO companies don¡¦t usually add their URL to sites they have optimized. Ok, so what else?

Content? Yes, content is king as always. Content is what was used to help boost my ranking. But how?

I create articles. These are quality articles, just like the one you are reading now. These articles were not generated from any program. I authored the content from my own knowledge and researched over 100 web sites that accept articles in my area of expertise. SEO happens to be a very popular topic. These sites agree to post my articles on their site, along with my url(s). Many of these sites have a decent Page Rank of their own. Their rank will transfer over to my site. Also, as time goes by, those articles will have a PR effect of their own which will transfer to my site(s). Don¡¦t forget, other people may pick these articles up and use them on their site as well. They will also include my URL(s) on their sites. Now, if I do 100 sites a week times four articles a month, that's at least 400 articles a month. The last Google update was 86 days, the longest has been 111. That could lead to 1200 or more links between updates. What will Google think about all these links at once? They¡¦ll love it! Content, quality, one way links. I also promoted my blogs and my website in some of my articles. This way, they too have their own PR generating effect. They also link to my site and my site to them. This, in turn, increased the PR to them as well. At the time of this article and the most recent Google update, one of my blogs went from 0 to 3 and the other 0 to 4 all in the same update.

These tips should help you increase your page rank. The hardest part will be creating content related to your field and finding sites that will post your work. You can always hire writers and/or article submission services. Here's to the next Google update. Cheers!



About the author:
Joe is owner of http://www.mr-seo.com check out his site for a FREE SEO site Evaluation. You can read the latest SEO news on his blog http://mrseonewz.blogspot.com/ to read more of his articles visit http://mr-seo.blogspot.com/

Read more...

5 Steps to Get Top 10 Website Search Engine Rank

by: David Wang

1. Step One: Select right keyword for web SEO Optimization.
You must choose your keywords carefully. This is the most important step of the SEO. Wrong or ineffective keywords mean invalid keyword optimization. You should find popular keywords and phrases related to your business, then know search popularity and competition number of every keywords. The keywords with more popularity and less competition will be your targeted keyword phrases.

Resources:

Best Promotion Keywords - http://www.websitepromotionsoft.com/bestpromotionkeyword.html
Overture - http://inventory.overture.com/d/searchinventory/suggestion/
Google - https://adwords.google.com/select/main?cmd=KeywordSandbox

2. Step Two: Optimize your website ranking factors.

Once you have finished keyword analysis and selected specified keywords, you should optimize your web site to improve search engine position. The important ranking factors including website title tags, description tags, meta keyword tags, heading text, link url, link text, image alt, comment and web page body text.

Every keyword frequency, weight, size, prominence
and proximity all affect the ranking. You should optimize all these factors carefully. The top 10 ranking website content and ranking factors will give your more help.

Resources:
Web Optimization Angel - http://www.websitepromotionsoft.com/weboptimizationangel.html
WebPositionGold - http://www.webposition.com/d2.pl?r=TBI-55EC&FN=download.htm

3. Step Three: Submit url to search engines directories.

After search engine optimization page design, Submiting all your web sites to Google, Yahoo, MSN, DMOZ and the other major engines. Manual free submit url is recommend. At
http://www.websitepromotionsoft.com/submit-url-free.html you can find top 588 search engine list with homepage, submit url address, alexa rank, google page rank, google inbound links and google including site pages.

Resources:
search engine PageRank order list - http://www.websitepromotionsoft.com/search-engine-list-page-rank.html

4 .Step Four: Link Exchange and Manager.

Link popularity is the total number of websites that link to your web site, and is an extremely important method of improving your site's relevancy and position as many engines are using
this information as a ranking criterion. Both the quantity and quality of link popularity is important. The best links are "relevant" links from web pages related to your keyword or topic.

Resources:
External Link Promotion - http://www.websitepromotionsoft.com/external-link-promotion.html

5. Step Five: Monitoring and ReOptimizing.

Often checking your website search engine position of your targeted keywords, if not satisfied with optimization ranking results, you should do more SEO to achieve higher search engines ranking position.


Resources:
Agent Web Ranking - http://www.softwarekey.com/products/info.asp?A=31147


About the author:
David Wang: SEO Expert with 6 year experience in search engine optimization website promotion. See more seo optimization tool from http://www.1-web-site-search-engine-optimization.com/5steps-seo.html

Read more...