Electronic Payment Services Company

Consortium of major banks in Hong Kong dedicated to the use of electronic fund transfers to reduce cash and cheque transactions.
www.eps.com.hk/

Canadian Payments Association

Contains the rules used by Canadian deposit-taking financial institutions for clearing cheques and for electronic payments.
www.cdnpay.ca/

Association for Payment Clearing Services

Information about UK money transmission, payments and clearings.
www.apacs.org.uk/

Clearing House Inter-Bank Payments System

A subsidiary of the New York Clearing House, CHIPS is a bank-owned competitor to FedWire.
www.chips.org/

Australian Payments Clearing Association

APCA manages Australian payments clearing and settlement systems, policies, regulations and procedures.
www.apca.com.au/

Swiss Euro Clearing Bank

Connects euroSIC, the clearing system for payments in Euro in Switzerland, to TARGET.
www.secb.de/

Swiss Interbank Clearing

The central CHF payment system.
www.sic.ch/

Committee on Payment and Settlement Systems

The secretariat of the CPSS at the BIS.
www.bis.org/cpss/

Electronic Payments Network

Private Automated Clearing House Operator owned and governed by financial institutions that provides processing services for all types of financial institutions.
www.epaynetwork.com/

SWIFT

Society for Worldwide Interbank Financial Telecommunication supplies secure messaging services and interface software to wholesale financial entities.
www.swift.com/

Branding Ideas For Small Businesses


By Janice Jenkins

Creating your own brand is the first step to having a successful marketing campaign for your business. Brand is everything when it comes to advertising. When you have a brand, you are most likely to be recognized and remembered by your clients, as well as your potential customers.

So how do you create an effective brand for your business? Here are surefire ideas to help you create that unique brand that will distinguish you from the rest of your competition.

First things first - your business cards are your representation to your clients, colleagues and prospects. It is your tool to introduce your contact information, in addition to your name and your company's as well. It is a no brainer therefore that your custom cards should have your address as well as your telephone number. It doesn't matter if you are a work-from-home designer, or your shop is adjacent to your garage - you need to have your address in your business card printing pieces.

A location and contact information that your clients can go to or call greatly enhances your credibility as well as your reliability. An address helps you create an established image that your customers can rely on. For privacy issues however, you can always use a P.O. Box address so you won't need to give away your house location.

Second, never leave your house without your full color business cards. This is practically a no-no when it comes to marketing your business. Every moment, each place, and every person you meet is an opportunity presenting itself. Carrying a batch of your cards with you wherever you go allows you more chances of letting other people know about your business. The same goes with your other print ads such as brochures, flyers, postcards, posters and catalogs.

Always remember to reduce your marketing costs. That's the third suggestion. Especially that you're a small business operating on a limited budget, you will always have a problem trying to make ends meet as advertising per se is costly and expensive. Coming up with creative ways to lessen your business card printing costs for example, can save you a lot of money which you can apportion to other operating expenses.

What about your letterhead? Would you like to save on them too? The fourth tip is to design your letterhead to be used as your paper for invoices, flyers, proposals, press releases, some documents in your media kit, and anything else you need to have your logo and company name. Not only do you provide professional image with your brand posted in all your marketing documents, you also help your clients and prospects remember you that easily.

Finally, think of more creative ideas to help you get your message out there. And don't forget your name and contact information. The more times your target audience sees your ad, the better are your chances of getting your brand recognized and retained in the minds of your customers.

Janice Jenkins is a writer for a marketing company in Chicago, IL. Mostly into marketing research, Janice started writing articles early 2007 to impart her knowledge to individuals new to the marketing industry.

For comments and inquiries about the article visit: Business Card Printing

A9

How to Get Number 1 Rankings on Google, Yahoo and MSN Using Video Hosting Sites

By John Prodonovich

The other day, I did a test to see how fast my videos would be found in the search engines and to see how well they would rank for the keywords I was optimizing my videos for.

The results were outstanding and should bring hope to anyone who feels that getting a #1 or top 10 listing on the major search engines is out of reach. Everyone can get top listings, with videos

The process was very simple. I filmed a video, submitted and tagged my video, and 13 hours later, I was in the #1 spot. Then, 24 hours later that same video on different video networks occupied spots 1, 2 and 3 on Google.

So, how easy is it to do? Very easy, just follow these steps and you'll be getting #1 listings on Google, MSN and Yahoo in no time flat.

First - Create your video. Use a video camera or digital video camera and get the digital file on to you computer so you can manipulate it in a video editing program. If you don't have a video camera, no problem, all you need is a microphone and an audio recording program like Audacity, and you can create an mp3 audio file with 30 seconds to 5 minutes of audio, and convert that audio to video. Don't worry, that's easy too, I'll tell you how in the next steps.

Second - Edit the video file to have the look, feel, URL's and production values you like. If you made an audio file, put that audio file into the video editing software. Most PC's come with Windows Movie Maker, which is free, and you can drop the Mp3 audio in there and place, random Digital pictures throughout the length of the audio file to create the "video" images that go along with your audio.

Third - Upload the finished video file, which should be in wmv format to a video submission host, called Tubemogul. At Tubemogul, you can upload unlimited videos, and then have those videos uploaded automatically to some of the more popular video hosting sites on the internet like Youtube, Google Video, Yahoo Video, Metacafe, Revver, and some other popular one.

Let me say that Tubemogul is also MORE than just a video posting service, they are MUCH more. They can track all the video views you get DAILY on EACH video hosting site. They'll provide charts and other track meta data, that is very important to marketers to daily track stats across all the video sites. And remember, it's all free to do this.

Fourth & Final Step - Push your videos out to the video hosting sites and let Tubemogul do the work for you. But a key element is, you want people to find your videos. The search engines find videos, not based on the content said inside them, but by the tags and descriptions about them. Tagging is the single most important element of getting traffic to other websites, based on what your video is tagged for.

Jeff Mills is giving away free home based business DVDs showing how people can make a six figure income, working from home and is giving away $757 in bonus marketing tools to anyone who claims one of the last remaining DVDs before they sell out. Claim your DVD at http://www.homebasedbusinessdvd.com

R9>

The Importance of Market Research


By Justin Kander

Marketing is a versatile, competitive world, and when developing your marketing plan, odds are you will not get it right the first time. You need time to learn about the demographics, geography, and psycho graphics of your customers before your marketing can really be effective. That is why it is important to not stick with your first plan, as you will need to change it frequently for one reason or another.

A good phrase to live by in marketing is, "Learn from your mistakes." Sometimes testing happens naturally. Some of your marketing campaigns will fail, but instead of getting discouraged, analyze what went wrong. Maybe you advertised through the wrong medium, or to the wrong demographic. Collect all the mistakes you have made and really look at them; do not try to forget or ignore them, you have to face your mistakes if you want to be successful.

If you hate making mistakes and want to get it right the first time, there is a way, and that is market research. However, full on market research is incredibly expensive and small businesses cannot afford it, but light end market research is possible. Basically, you just have to look at the demographic of your competitors and make that your demographic. It's not that easy, though. Demographics may vary between businesses of the same nature, and that is where testing comes in. You need to test if that demographic works for you, and if it does not, you need to test another demographic.

You should not spend a lot of money on market tests. The purpose, after all, is to find the medium and demographic through which you should advertise or market. For example, if you have a website, you might want to try out banner advertising. Don't spend a lot of money at first, only spend a little and see the ROI. If the conversion is good, you know you will want to keep advertising through that medium. Executing so many marketing tests is time-consuming and costly, but it all pays off when you finally develop an effective, recyclable marketing campaign.

Justin Kander works with http://www.getprocash.com to give people tons of ways to make money online.

A7

Pay Per Clicks


By Chad Sandifer

There are many advertising options out there for small and large businesses alike. A new phenomenon that has recently hit the scene is the use of sponsored link searches for advertising needs. Are sponsored links really the best way to allocate valuable advertising dollars?

A re occurring complaint I hear from many of my customers is that sponsored links are not developing the return on investment they desire. There are several key reasons to why this may be occurring. Sponsored links, or pay per click advertising, are links on the right hand side of most search engines. These links, historically, are only used by approximately 30% of the online search market. By using only sponsored links in your online marketing campaign, you have essentially cut out 70% of the market that may be searching for your business. Further, did you know that there is a constant bidding war on the sponsored side of the page? Business are having to spend valuable working time managing their sponsored link page to make sure the are staying on the first page, while not breaking the bank. Because most consumers don't search past the first page of search engines, it is a constant war to "out bid" your competitors and stay in those valuable spots. But what is to keep your competitors from clicking your links and costing you tons of money and headaches? Thankfully, Google (among others) have allowed you to set certain limits on the amount of money you wish to spend monthly on sponsored link searches. While pay per click ads may get you some form of business, I do not believe they are the end all in online marketing. It is important to recognize several key factors when thinking about investing in pay per clicks.

1) How can I minimize "fraudulent" clicks by my competitors

2) Are their other online options, for around the same cost, which can give me a better return on investment? and

3) Am I willing to cut our 70% of the search market by spending money on sponsored links?

For some businesses, pay per clicks work. I am not advocating that they don't. The law of "big numbers" may come into play here where if you do something long enough, the average return will be worth the investment. I have found other advertising mediums that allow my customers a better, more stable, return on their investment. Diversity is the key to the marketing game and in order to advertise to all corners of a market, it is necessary to weigh your options and decide if you have the time, and money, to play the "big numbers" game.

Chad Sandifer
http://www.tenlist.com

R7
Google
 

NY Times Business

Jobless Rate Soars to 6.7% in November
The job losses far exceeded expectations, as November saw the 11th consecutive monthly decline in nonfarm payrolls and the largest since 1974.


The Lede: Live Blogging: Automakers on the Hill, Day 2
For a second day, the heads of the Detroit automakers and the United Auto Workers are in a Congressional hearing room today, making the case for a federal rescue.


Stocks Drop After Jobs Report Comes in Weak
Despite the grim employment numbers, the stock market did not go into a freefall by mid-morning, although it did move broadly lower.


Washington’s New Tack: Helping Homeowners
The Treasury Department is working on a plan to boost the housing market by subsidizing 30-year home mortgages with rates as low as 4.5 percent.


HSBC Executive Criticizes Guarantees
The chief executive of HSBC’s Asian operations called for Asian governments to abandon their guarantees of bank deposits, saying they amount to inappropriate assistance to weak banks.


Yahoo Search Engine News

U.S. job losses worst since 1974 as downturn deepens (Reuters)
Reuters - U.S. employers axed payrolls by 533,000 jobs in November, the most in 34 years and far more than expected, government data on Friday showed, as the year-old recession hammered every corner of the U.S. economy.

Stocks drop 3 percent on jobs and energy (Reuters)

A trader works on the floor of the New York Stock Exchange in New York December 4, 2008. (Lucas Jackson/Reuters)Reuters - The Dow and S&P 500 fell by 3 percent on Friday, as a bleak jobs report showed a further deterioration of the U.S. economy.



Detroit bailout drive sputters on Capitol Hill (Reuters)

Christopher Dodd (L), chairman of the Senate Banking Committee and Senator Richard Shelby listen to testimony from the leaders of the big Detroit automakers during hearing on a financial assistance package for the companies on Capitol Hill, December 4, 2008. (Joshua Roberts/Reuters)Reuters - The U.S. auto industry's drive for a $34 billion emergency taxpayer bailout was stuck in neutral on Friday as the chief executives of Detroit's Big Three began a second day of testimony on Capitol Hill.



Late mortgage payments and foreclosures hit record (Reuters)
Reuters - Late mortgage payments and the rate of home loans in foreclosure rose to record highs in the third quarter, threatening to escalate as the recession erases jobs and further strains homeowners, the Mortgage Bankers Association said on Friday.

China, U.S. pledge cooperation after "robust" talks (Reuters)

U.S. Treasury Secretary Henry Paulson (L) and Chinese Vice Premier Wang Qishan (R) sign agreements during the US China Strategic Economic Dialogue in Beijing December 4, 2008. China urged the United States on Thursday to spare no effort to stabilise its economy and financial markets to help avert a global recession. Speaking at the start of a fifth meeting of the cabinet-level 'Strategic Economic Dialogue' between the United States and China, Vice-Premier Wang Qishan said Beijing was doing its part by pursuing fast growth. (Elizabeth Dalziel/Pool/Reuters)Reuters - China and the United States pledged on Friday to boost efforts to tackle the turmoil engulfing global markets and to continue high-level cooperation when President-elect Barack Obama takes office.



Business Portal News

SES San Jose video interview
Another day, another video interview. This one was with Greg Jarboe at SES San Jose. You can watch it on the Search Engine Strategies channel on YouTube, or I’ll embed it below: Some of the things we discussed: - a quick story about interviewing at Google in 1999 - the opportunities of cell phones and mobile platforms (3 [...]

PubCon video interview
I spoke at a few conferences in the second half of 2008, and a video interview from PubCon recently came out. The always-charming Mike McDonald and I did a 10 minute video interview at PubCon a couple weeks ago. A few of the topics that this interview covers: - how personalized search affects SEO and how ranking [...]

Browser Market Share?
I hadn’t looked at my browser marketshare in a while, so I fired up Google Analytics: Rough browser numbers are Firefox 57.58% IE 26.07% Safari 6.48% Chrome 5.11% Opera 2.35% Mozilla 1.44% SeaMonkey 0.48% Mozilla Compatible 0.18% Konqueror 0.13% Camino 0.04% OneStat says that they see 0.54% share for Google Chrome. Net Applications provides an hour-by-hour graph, which is nice, but they hardwired it to look for the string “Chrome 0.2″ when Chrome is on version 0.3 [...]

Trying (and failing) to get Ubuntu to work
I really want to run Ubuntu, but it shouldn’t be this hard. Plugging in an SD card reader that I picked up from Best Buy shouldn’t cause a hard freeze of my system (on both Gutsy Gibbon and Intrepid Ibex): The card reader works fine in Windows. At this point, I’m honestly thinking about crashing the [...]

Where did udevmonitor go?
In case you’re looking for the “udevmonitor” program on the Intrepid Ibex version of Ubuntu, it’s changed; use “udevadm monitor” now: $ udevadm help Usage: udevadm COMMAND [OPTIONS] info query sysfs or the udev database trigger request events from the kernel [...]

Google News

Coaches courted with payment in minor hockey - CBC.ca

Coaches courted with payment in minor hockey
CBC.ca, Canada - 3 hours ago
Salter, 47, was wooed to join one of the largest associations in the city with an offer to coach any team he wanted, plus $5000 to cover expenses. ...

Viewpointe Completes Acquisition of PaymentsNation - MarketWatch

Viewpointe Completes Acquisition of PaymentsNation
MarketWatch - Dec 1, 2008
Viewpointe Clearing, Settlement and Association Services -- This unit will offer end-to-end payments clearing and settlement services, ...

UAW agrees to concessions - St. Louis Post-Dispatch

CTV.ca

UAW agrees to concessions
St. Louis Post-Dispatch,  United States - Dec 4, 2008
... the automakers' cash flow by deferring required payments into the health care trust fund, called voluntary employee beneficiary associations, or VEBAs. ...
Video: UAW Offers Help To Big Three CBS
UAW Agrees to Eliminate Jobs Bank, Other Concessions Ward's Auto (subscription)
all 2,287 news articles

Judge upholds rules protecting Californians in hospital-insurer ... - Sacramento Bee

Judge upholds rules protecting Californians in hospital-insurer ...
Sacramento Bee,  USA - Dec 4, 2008
The case, which will likely be appealed by hospital and medical associations, is the latest skirmish over a practice known as "balance billing," which ...

Member Retention - Bisnow

Bisnow

Member Retention
Bisnow, DC - 20 hours ago
... of the member’s committee interests, past participation, payment (or non-payment) of member dues, and what they’ve bought lately from the Association. ...

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