Conference of State Bank Supervisors

Annual conference promoting state-chartered banking.
www.csbs.org/

Vermont Department of Banking, Insurance, Securities and Health Care Administration

Includes the Insurance Division, the Securities Division and the Banking Division.
www.bishca.state.vt.us/

Wyoming Department of Audit, Division of Banking

Promotes a progressive banking environment, ensures fair and lawful consumer related financial transactions, provides the public with convenient, safe and competitive banking and allows for economic development.
audit.state.wy.us/banking/

Wisconsin Department of Financial Institutions

Dedicated to protecting Wisconsin citizens through financial regulation and education, ensuring the safety and soundness of Wisconsin financial institutions, protecting the investing public, and enhancing the viability and accessibility of the state's business record-keeping system.
www.wdfi.org/

West Virginia Division of Banking

Part of the Department of Commerce, Labor and Environmental Resources, it oversees the state's financial services industry to foster and promote a sound and dynamic climate.
www.wvdob.org/

District of Columbia Department of Banking and Financial Institutions

Regulatory authority for financial institutions operating in the District; charged with chartering and regulating banks, savings banks, trust companies and other financial institutions.
www.obfi.dcgov.org/

District of Columbia Department of Insurance and Securities Regulation

Regulates the insurance and securities industries operating in and from the District of Columbia.
disr.dc.gov/

Washington State Department of Financial Institutions

Includes the Banks Division, Consumer Services Division, Credit Unions Division and the Securities Division.
www.dfi.wa.gov/

Oklahoma Department of Securities

Oversees registration of securities, business opportunities, takeovers, offerings of subdivided land, broker-dealers, and investment advisers.
www.securities.state.ok.us/

Oklahoma State Banking Department

Regulates state-chartered banks, credit unions, savings and loans, trust companies, money order companies, and cemeteries.
www.state.ok.us/~osbd/

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Internet Marketing - Past Present Future

By Ryan Pitylak

"Believe the hype. The Internet and the World Wide Web have become the most important new communication media since television, and ones that are fundamentally reshaping contemporary understanding of sales and marketing." - Jim Sterne. During the last part of the 1990s, the Internet boom saw all kinds of brand new companies that were developing services and products that literally capitalized on the Internet's potential.

Unfortunately, the push-to-market often resulted in very poor planning and many business models failed to include realistic and profitable business objectives. When the year 2000 ended, many of the above mentioned companies closed their doors. After this black period, the surviving and the new opened companies realized that the web-based strategies and techniques must be taken into consideration just like any other classic marketing tools.

In the future, websites will be more personalized, as they will cater to consumers and niche markets. Internet marketing through audio newsletters will probably become a more accessible tool for targeted audiences. Other predictions made by experts regarding the future of Internet Marketing are:

• 50% of experts affirm that anonymous, free, music file sharing on P2P (peer-to-peer) networks will still be easy to perform a decade from now

• 59 % of experts agreed with a prediction that more and more business and government surveillance will occur as computing devices proliferate and become embedded in appliances, phones, clothes and cars

• 56% of experts agreed that as telecommuting and home-schooling expand, the boundary between leisure and work will reduce and family dynamics will change due to this reason

• 57% of experts agreed that virtual classes will become more widespread in formal education and that students might, at least occasionally, be grouped with others who share their interests and skills, rather than by age

All things considered, Internet Marketing is one of the most important aspects of the Internet world and many people are considering that this domain will have a very long future, along with the Internet. All website owners will have to take into consideration at least one Internet Marketing technique.

Razvan Marian Jr. is the owner of www.wildduckhuntinginfo.com where you will find interesting duck hunting info and duck hunting tips that may prove to be very useful.

Article Source: http://EzineArticles.com/?expert=Ryan_Pitylak
http://EzineArticles.com/?Internet-Marketing---Past-Present-Future&id=1082872

R2

Google Docs - An Essential Blogging Tool?


By Tony Bedford

In managing my blog one of the tools I rely on is Google Docs. In this article I provide an introduction to Google Docs and explain its advantages to those running an blog.

What is Google Docs?

Google Docs is best summarized as a completely web-based, simplified, free version of Microsoft Office. It provides basic functionality such as word-processing, spreadsheets and presentations. The fact that it is an online service gives it a number of advantages, but there are also one or two disadvantages you need to be aware of.

Web-based service

The fact that Google Docs is an online service has a great advantage, you can work on a document from anywhere you have Internet access and a browser. This is more convenient than it sounds. For example, I have several computers and, using OpenOffice, I might create a Word-compatible document on, say, my desktop computer. If I am then on the road I don't have access to that document from my laptop as the document might still be on my desktop computer's hard-drive.

There are ways to transfer between computers, and one technique I used in the past was to email the document to Hotmail. This ensured that I could access the document from any of my computers and it was backed-up by Microsoft. This wasn't convenient though as I ended up having several versions of the document on different computers and keeping track of the current version proved difficult. Google Docs solves this problem as all the documents you create are hosted by Google. You can access your documents from any computer that has a browser and Internet access.

Summary

I would say I am addicted to Google Docs and find it to be an essential part of running my blog - it is one of the main reasons I use Blogger. It is convenient, easy to use and being able to store your documents (and publish them) on the web is a huge advantage. I no longer have to transfer documents between computers or worry about issues such as versioning. It is very easy to be able to export the documents to a local file, such as a PDF. So far, I have found Google Docs to be invaluable.

Google Docs can be found at http://docs.google.com

Tony Bedford first started blogging in March 2000. Tony currently maintains a free guide to more profitable blogging at http://the-business-of-blogging.blogspot.com


A5

Entrepreneurs - Why Use Free Tools To Grow Your Business? (Hint - Its Not What You Think)


by Tonya R. Taylor

To help you "Fake It Until You Make It", entrepreneurs and small business owners need to consider two critical objectives: the ability to act big on a small budget and look like a high quality-professional.

In order to accomplish these objectives you need to assess how technology can help you. If you're seriously interested in succeeding, answer these questions:

1. What tools will propel my business to the next level?

2. What tools are needed to run my business?

3. What tasks can be automated?

4. What tools will save time and increase efficiency?

5. What training is needed?

6. What tools will enhance customer relations?

7. What tools will enhance partnership relations?

8. What tools will enhance employee relations?

9. What tools are needed for data security?

10. What tools will make the business more competitive?

Before making a technology purchase, growing companies must consider the return on investment. Unfortunately, some benefits might not be tangible or cash may not be available to justify a purchase.

Since, you don't risk a cent, now is the time to make technology your BFF (Best Friend Forever). Take advantage of FREE technology tools, not just because they are FREE but to defy the odds, out perform competitors, increase revenue and propel your small business to the next level.

"101 Free Tools to Grow Your Business" (http://www.101freetools.com) is a handy FREE reference guide for small business owners who don't want to waste MONEY. You'll get the tools YOU need to power up your business fast! If you want to solve tomorrow's technology needs today visit http://www.101FREETools.com to get your FREE copy of this special report.

R5
Google
 

Yahoo Search Engine News

Recession more severe than thought: Fed's Rosengren (Reuters)
Reuters - The U.S. recession looks to be longer and more severe than originally thought, but there are signs that the economy will improve in the second half of 2009, a top Federal Reserve official said on Thursday.

Lehman deal on private equity close: source (Reuters)

The Lehman Brothers booth on the trading floor of the New York Stock Exchange, September 16, 2008. (Brendan McDermid/Reuters)Reuters - Lehman Brothers Holdings Inc has reached an agreement in principle to sell its merchant banking business, made up of two private equity funds, to management of the funds, a source familiar with the situation said on Thursday.



Chevron sees big drops in Q4 production and earnings (Reuters)

A Chevron Corporation gasoline tank truck delivers gas to a Chevron service station in Redondo Beach, California August 10, 2005. (Fred Prouser/Reuters)Reuters - Chevron Corp expects its fourth-quarter earnings to be significantly lower than the previous quarter due to the impact of lower energy prices on its exploration and production business.



Citi backs measure to help avoid foreclosures (Reuters)

People taking the Long Island Foreclosure Tour arrive at a foreclosed home for sale in New Hyde Park, New York in this May 17, 2008 file photo. Citigroup could soon agree to principles that would let troubled borrowers save their homes through bankruptcy, sources familiar with the talks said on Thursday, while industry groups are easing their opposition to the plan. (Shannon Stapleton/Reuters)Reuters - Financial giant Citigroup Inc will support a proposal in Congress to rewrite U.S. bankruptcy law to help troubled mortgage borrowers avoid foreclosure, Chief Executive Vikram Pandit said on Thursday.



Consumer credit posts record drop in November (Reuters)

A shopper uses her credit card to pay for a purchase at a K-Mart store in Burbank, California November 28, 2008. (Fred Prouser/Reuters)Reuters - Consumer borrowing dropped by a record $7.94 billion in November, a Federal Reserve report showed on Thursday, the latest evidence that households were unwilling or unable to take on more credit.



Business Portal News

Ideal conference badge
I don’t even know how many conferences I’ve been to in the last decade, but it’s probably 30-40. In that time, maybe 2-3 conferences have really nailed the conference badge for attendees. Here’s what the ideal conference badge should look like, in my opinion: I’ll walk you through the important features of this badge: - Each attendee’s [...]

Webspam in 2009?
It’s the beginning of the year, so I just wanted to get some outside opinions: what would you like to see Google’s webspam team tackle in 2009? Here’s how I asked for suggestions in 2006: Based on your experiences, close your eyes and think about what area(s) you wish Google would work on. You probably want [...]

Start the Year with an Empty Inbox!
Here’s a nice Gmail tip that will make you feel like a million bucks: empty out your crufty email inbox. There’s nothing like an empty inbox to motivate you and give you a fresh start for the year. “But Matt,” you say, “my inbox is my to-do list!” I know, me too. So here’s how to [...]

Chrome Provides Dedicated Privacy Options
I was browsing the web when I ran across a statement about Google Chrome that I’ve seen echoed in different ways in the last couple months: “the reality is that Google Chrome is sending basic info about my pc back to them. Is Google the new “Big Brother” looking over everybodies [sic] shoulder…you betch ya.” I’ve [...]

Last Toolbar PageRank update of 2008
In case you didn’t see where I confirmed it on Twitter, Google recently did a toolbar PageRank update. It’s pretty much done now. If you want more info, I’ve answered questions about PageRank and the Google Toolbar in the past. I predict that this will be the last toolbar PageRank update of 2008.

NY Times Business

Nationwide Inquiry on Bids for Municipal Bonds
The authorities have been investigating what appears to be collusion in the multibillion-dollar municipal bonds market.


For BlackBerry, Obama’s Devotion Is Priceless
President-elect Barack Obama has become BlackBerry’s most prominent user, a pitch that would be worth millions if he could charge for it.


Pressured by I.R.S., UBS Is Closing Secret Accounts
UBS will close about 19,000 accounts held by Americans that may have gone undeclared to the Internal Revenue Service.


Citi Reaches Deal With Lawmakers on Home Loans
Under the plan, bankruptcy judges will be allowed to alter home loans in an effort to prevent foreclosures.


Democrats Seek Delay in TV Shift
The Obama transition team is seeking to delay the Feb. 17 move to digital TV, saying millions of homes aren’t ready.


Google News

US Studies Withdrawing More Troops from Iraq - Voice of America

Voice of America

US Studies Withdrawing More Troops from Iraq
Voice of America - 46 minutes ago
By Al Pessin A top American military commander says there could soon be a further reduction in the US troop presence in Iraq, based on recommendations from ...
Report: US had unrealistic goals in Afghanistan The Associated Press
US, Iran share interests in Afghanistan: Petraeus Reuters Canada
United States' short-term goals hurt Afghanistan mission: report CBC.ca
Reuters - Seattle Times
all 333 news articles

Chinese VP: Developing Sino-US relations goes with historical trend - Xinhua

China Daily

Chinese VP: Developing Sino-US relations goes with historical trend
Xinhua, China - 14 hours ago
8 (Xinhua) -- Continuously developing relations between China and the United States is in line with aspirations of the two peoples and historical trends, ...
Senior official says US, China ties strengthening The Associated Press
China-US ties a legacy of Bush administration: envoy AFP
Ping Pong Match Commemorates US-China 'Ping Pong Diplomacy' Voice of America
Reuters India - International Herald Tribune
all 362 news articles

Obama Certified as Next President of the United States - FOXNews

Times Online

Obama Certified as Next President of the United States
FOXNews - 6 hours ago
By Chad Pergram Barack Obama has been officially certified as the next president of the United States. Though Obama has gone by the title of president-elect ...
Video: Obama Pushes Economic Plan CBS
Breaking News: Barack Obama is the next President of the United ... Christian Science Monitor
Obama to urge dramatic action to lift US economy Reuters
Monsters and Critics.com - USA Today
all 2,581 news articles

Panel Urges Keeping US Nuclear Arms In Europe - Washington Post

AFP

Panel Urges Keeping US Nuclear Arms In Europe
Washington Post, United States - 1 hour ago
By Walter Pincus The United States should keep tactical nuclear bombs in Europe and even consider modernizing older warheads on cruise missiles to maintain ...
US panel warns Pentagon on nuclear deterrence Reuters
Pentagon drifting from nuclear deterrence, report says Los Angeles Times
Panel: Navy excels at nuke mission, mostly NavyTimes.com
all 284 news articles

China Losing Taste for Debt From US - New York Times

The Money Times

China Losing Taste for Debt From US
New York Times, United States - Jan 7, 2009
The declining Chinese appetite for United States debt, apparent in a series of hints from Chinese policy makers over the last two weeks, with official ...
China is having US Treasury fatigue BloggingStocks
US debt is losing its appeal in China International Herald Tribune
China Can’t Afford More US Debt theTrumpet.com
NewsMax.com - Bloomberg
all 37 news articles

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