Considering A PayDay Loan? READ THIS FIRST!

Payday loans can be a lifesaver if it’s truly used for an emergency – only you can decide what’s truly an emergency. Most times something comes up; we freak out and instead of thinking things through and finding other alternatives we quickly react and put ourselves in a worst position than we initially started out; hence the existence of payday loans and car title loans and every other high interest loans available to those with less than stellar credit.

To borrow a payday loan is simple; you typically pay $20 per $100 borrowed or more. The appeal is all you need is a job, proof of employment and a check with a future date stamped on it – easy, right? No hassle, and most importantly no credit check. I’d rather you avoid them completely but if you must please choose one that is with the Community Financial Services Association; an association that provides guidelines that protect the consumer.

The most negative thing about a payday loan are the interest rates/fees! It comes to about 400% interest on a loan! That’s absurd. But if you need your car fixed; furnace repaired, water heater replaced – it suddenly doesn’t seem that bad. The key thing to remember is not to borrow more than you need. The payday loan clerk is a salesman; just because he/she states you can borrow up to $1000 does not mean you should accept it. Borrow only what you need!!! And if they offer you the monthly payment plan don’t fall for it; remember their job is to sell so that THEY can make more money. Pay if off all at once and avoid the pitfall of the monthly payments that make them more money and cause a financial strain on your budget.

So; what if you ignored everything that I’ve just said and borrow more than you can pay back by the next pay period? Well if they’re a member with the CFSA, all you need to do is tell them you can’t make the payment by the due date. As a member of the CFSA, they’ll need to stop all collection activity and give you 4 additional pay periods to pay back the loan in full. Oh, and they can’t charge you any additional fees during this period either. This must be done before the due date; or at least before close of business on the day before the loan is due; preferably in person; and it can only be done once on the same loan. It’s called an Extended Payment Plan. If they deny you or state they don’t offer this; call CFSA directly at 888-572-9329.

Now I must admit the collection activity from payday loan companies are THE WORST! They call your job; threaten automatic wage garnishments, threaten to sue you or file a police report for bank fraud to send you to jail (based on the post-dated check you wrote them); the list goes on and on – and its illegal. State laws govern the collection activities of original creditors; and fortunately most state laws closely follow the laws of the Fair Debt Collection Practices Act so all you need to do is look up your state’s laws on payday loans collection activities and rules. The list is usually found on your state’s Attorney General’s website; your state’s Consumer Affairs website will have some valuable information as well.

Are In Text Ads Relevant to the Content?

Yes, In Text Advertising is a form of Contextual Advertising

I was browsing through a magazine – a real one with paper pages – and noticed a lifestyle article about a new mattress that uses three-dimensions. Well, I wondered, don’t most mattresses have three dimensions? But then, on the next page, a full-page advertisement announced a new 3D mattress. Hmm… was that a coincidence? Of course not. The magazine sold the mattress ad and probably added an editorial article about the new technology. Most magazines try to separate editorial content from advertising, to keep appearance of professional writing. Separation of paid-for ads and actual content is considered ethical. In this instance, they were not that subtle. But wait, what’s so wrong about relevant ads? There seem to be a big difference in our expectations between the offline world and the online arena. While in traditional paper publications we prefer content which is clear of advertising interests, when it comes to the Internet, we actually expect the ads surrounding the content to be highly relevant to the content.

As website publishers we in fact insist of showing the most relevant ads, hoping they will yield higher click-through rates and revenues. The visitors somehow accept this as being supplemental to the content. Google AdSense ads are responsible for this revolution. Since the ads are placed through automated algorithms, we don’t see them as affecting the editorial considerations of the publisher. Moreover, if the ads are not relevant, we usually complain about it.

In text advertising is a form of contextual advertising. As such, in text ads are attached to hooks – highlighted terms within the content – and they are relevant to the terms and the content of the page. So, if your question is simply – are in text ads relevant? The answer is positive. Yes, in text ads are relevant to your content. But since there are examples where they are less relevant, this question calls for some further discussion.

No Perfect Guarantees

One of the publishers I’ve been working with has integrated in text ads for the first time. During the first month, we served ads to no less than 20 million unique visitors. When summarizing the first month’s results, the publisher was generally very happy with the revenues and feedback, but he highlighted one email from a frequent visitor, who complained about an ad that was not relevant. My first response to the complaint was – Great, this is good news! How come? Simple. It’s true that an irrelevant ad is not a good user experience. But, if we had one complaint out of 20 million visitors, we have a very good success ratio. There are no guarantees that any contextual advertising technology would be perfect. There’s nothing like a bullet-proof method with perfect relevance, not even Google AdSense, and as long as the vast majority of ads are relevant, this should suffice.

Is it really not relevant?

In text ads can be less relevant when the content is not focused. Any contextual algorithm, as smart as it can be, would have problems with pages that are a mix of issues. In such cases, the ad should at least be relevant to the hook – the highlighted term.

Another factor that can reduce relevancy is geography. When the visitor comes from a country with less online advertising, it could be difficult to match the ads with high relevancy. To improve this, make sure with your provider that he has enough advertising coverage in the countries where your most important visitors come from, and be tolerant to less relevant ads in other regions.

Last but not least, relevancy is in the eye of the advertiser. While you may think that an ad is not relevant, take into consideration that the advertiser has specifically chosen to match the ad to the term and context. A professional in text ads provider only places ads with direct response to advertising campaigns which target context and terms. For example, if the chosen term was “London Hotel”, you would probably expect a travel ad. But then, if you see an ad for a t-shirt website, don’t be alarmed. It could be that this t-shirt website is now selling new Madonna merchandise, and Madonna is on her way to a big concert in London; hence, the advertiser is trying to target tourists who head to London for the show.

Are your Hooks Relevant?

In addition to measuring the relevancy of the ads to the content, another important factor would be the relevancy of the highlighted terms to the content. Before any visitor hovers over an ad, visitors show interest in links which are relevant to the content. When the highlighted terms are relevant, you should see higher rates of hovers. Matching the ads themselves comes next. So first, ask yourself – are the terms relevant? This should be a good start.

You can improve In Text Ads Relevancy

In these cases when you still feel that the in text ads on your website are not relevant enough, consider the following options. First, calculate how serious this issue is. If you’re thinking about just a few ads out of thousands, then it’s probably not a serious problem. Second, consider the context and the geography – the more focused the content, and the bigger the market for online advertising in this country, the higher the relevance should be. If the market is not that big and the content is not very focused, achieving high relevancy would be difficult. Third, look from the advertiser’s point of view – he thought the ad is relevant, so try to understand it.

If, after considering these options, you still feel that the ads are not relevant, then it’s time to contact your in text ads provider. There’s much you can do together. Your provider can work with you to improve the algorithm and customize it to your website, direct specific advertisers to your website, and assist you with monitoring and analyzing results. After all, it is contextual advertising.

Relevance in Internet Marketing

Relevance is the key to Internet Marketing, but relevance to what and to whom? That is what I am going to be illuminating for you in this article.

The easy part of Internet Marketing is deciding what you are going to sell, basically you will pick a niche something that is of interest to you and something which you believe that there is a market for. If you are sensible you will at that point do further research and find out if there are forums relating to the product and what problems and issues people are having and, also the questions and answers they are raising. The next step after you have done this is to build an attractive website and drive traffic to it. It is at this stage that most Internet marketers go wrong. The problem is that they often build a site that is attractive to them, but that does not convert. The problem is they lost sight of relevance. In this case it is the relevance to the visitor that matters.

The average site visitor spends less than 15 seconds on assessing a new site and their eyes travel from left to right and then down the left most column first. You must capture their attention almost immediately and then keep it. This is where relevance comes in to play in a big way.

Your title must be large bold and related (i.e. relevant) to whatever the link was that they clicked on to reach your site for example I sell guitars and my keyword is Play Classical Guitar so they are expecting to see a site that offers them help to play classical guitar. I offer them free sheet music if they subscribe (give me their name and E mail address). The sheet music is relevant to anyone that plays Classical Guitar and I change the music each month so that it is appropriate for all levels of player. The offer is highly relevant and about 6% of all visitors give me this information. If I improve the wording by making it more relevant to my visitors it is possible to get up to 50% opting in, or sometimes more.

The same concept applies to Google AdSense advertising, only this time you have to capture the visitor’s attention in only a handful of words. If you can get a really relevant phrase and use this in the URL your advertisement and on your landing page then conversions will increase. It takes 5 to 6 touches to sell a person on a concept and they are more likely to stay if they recognize the relevance of the site to what they are looking for.

Summarizing we need to keep all aspects of Internet Marketing relevant to our visitor, the advertisement, the articles used to raise interest, the landing page and the call to action if we fail to do this then our visitor may leave and merely increase our bounce rate. I hope you see the need for relevance.

How to Get Construction Financing

Are you interested in a construction mortgage? There are two types of construction mortgages that you can go for: completion construction mortgage and progress draw construction loan.

Completion construction mortgage

You should apply for this loan when you are purchasing your home from a qualified builder at a fixed price upon completion of the building.

There are two types of this loan:

All-in one construction loan: this is a simple loan that offers you a one rate for both the construction process and the financing that comes at the end. When you take this loan you need to repay it within one year. You should note that you have to pay a penalty if you go over the time limit.

Purchase plus improvement: this is the one that you get when you buy a home that needs to be taken good care of. The contractor needs to keep on making the improvements that you ask him/her to do and you should only accept the building once you are satisfied with the improvements.

Both of these construction loans have a number of features:

The builder has to own the lot where the home is to be built
The builder can request for money only when the home is 100% complete.
The lender may require an appraisal before, during, and after the construction. This is to ensure that the home is worth the amount being mortgaged
You need to make a down payment-which can be made in a series of installments
Since the loan is almost similar to a resale property mortgage, the mortgage agent won’t require an administration fee in order to arrange this type of financing.

Before you are given the loan, you need to present a number of documents to the lender. The documents include:

Copy of building contract that has been signed by you and the contractor
House plan and working drawings
Site plan that shows the legal description and dimension of the property
An appraisal that indicates the final value of the home after construction

Progress draw construction loan

This is ideal when you are planning of construction your home using your own general contractor. You apply for funds at three different stages of the loan: when the building is 35-40%, 65-70% and 100% complete. You should note that the interest rates of this loan are higher than that of a traditional mortgage.

When applying for the loan you need to present a number of documents that include:

Copy of land contract
A resume confirming that you have good knowledge of the construction process
Copy of all sub-contracts which confirm the construction costs.