Credit Acceptance Corporation

Provides funding, receivables management, collection, sales training and related services to automobile dealers. (Nasdaq: CACC).
www.credaccept.com/

First Investors Financial Services Group

Purchases and retains receivables originated by franchised automobile dealers from the sale of new and late-model used vehicles to consumers with substandard credit profiles. (Nasdaq: FIFS).
www.fifsg.com/

Interstate National Dealer Services, Inc.

Designs, markets and administers service contracts and warranties for new and used motor vehicles and recreational vehicles. (Nasdaq: ISTN).
www.inds.com/

Manheim Automotive Financial Services

Floor planning and financing for used car dealers and rental car companies.
www.UseMAFS.com

Real AdSense Secrets - Build Your AdSense Business Today


By Susan Velez

Google AdSense is a lucrative way to make money online without having to spend any money. However many people will start a blog and put some AdSense code on their blog and expect to see money begin to come in. Unfortunately this is not the way to build an AdSense business. However with these AdSense secrets I am going to expose you can literally be making money with in the first 30 days.

What are passionate about? Better yet what is "hot?" People are always looking for ways to treat something, buy something, or get information on something. If you can find a keyword that is "hot" and the crowd is starving for information about it, then you have found a "goldmine." People come to the internet to browse for all kinds of information and if you can find a way to get them the information that they have come to look for then the money you can make from your efforts are endless.

Before you run off to set up a free blog; by Google; find a niche that interests you and that you feel like you can become an expert on. Yes everyone can become an expert and you do have some wisdom in certain areas. You do not have to purchase a keyword tool finder at first you can find your niche keyword by going to Google' free keyword tool finder. However once you begin making some money by using these AdSense secrets I highly recommend purchasing a keyword tool finder it will give thousands of more keywords than the free tool

You can begin setting a free blog and begin writing. One important thing about making money with real AdSense secrets is you want to always make sure your content is original so that your blog can get good rankings with Google. Once you begin building your AdSense empire and start your blog; take the time to add fresh content everyday. Google loves content the more content you add the more traffic Google will send to your site.

This is where many people stop they put all kinds of pretty pictures on their blogs or websites and post a couple of times. Now they sit back and expect to get all kinds of traffic to their site so they can begin making money with AdSense.

However you must also learn about how to get one way links to your website to let Google know your site is there. The more one way links you can get to your site the more the search engines will think your site is of importance.

Hopefully these real AdSense tips will help you get started. If you want more information on how to build you AdSense business feel free to visit the website below

Learn how I get a check every month from Google for over $100 without spending any money on advertising. Get all the secrets here.


A6

Do Good CAPTCHAs Really Have To Be Unfriendly? An Expert Explains


by John Prodonovich

For those of you who are not familiar with the term, a CAPTCHA is a feature on many user populated websites, such as Myspace with the purpose of blocking automated programs from spamming its users and for overall security. Here is how it works:

A user is required to enter a random letter and number password into a form before being able to submit information, log in, etc. This password is essentially given directly to the user in an image, rather than in text form, so that an automated program cannot detect the characters. The password the form field expects is the same as that shown on the image, but this sometimes causes problems.

Jeff Atwood at the Coding Horrors blog discusses whether CAPTCHAs are dead. This follows a news report that scalpers probably beat the CAPTCHAs at Ticketmaster.

Jeff links to a Chinese site that sells CAPTCHA decoders. The site quotes different prices for breaking different CAPTCHAs. An eBay decoder, for example, is being sold for $4000 and claims 70% accuracy.

What caught my attention were the unbreakable CAPTCHAs in the list. The Yahoo CAPTCHA is listed as unbreakable. That isn't surprising. Most of us can barely get it right ourselves.

Consider a Yahoo CAPTCHA. Sometimes you cannot tell the difference between a G or a 6? And the way that letters are often skewed, the difference bewteen certain uppercase and lowercase letters is virtually unrecognizable?

Contrast that with a Google CAPTCHA also listed as unbreakable. The Google image is clean and legible. Most of us have no difficulty getting it right. Google demonstrates that effective CAPTCHAs don't have to be unfriendly to users.

I am curious to learn which CAPTCHA libraries generate strong, yet user friendly challenges.

For information on Penetration Testing, please visit Plynt.com.

R6

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>
Google
 

Google News

At Madoff Hearing, Congressional Committee Vows Reform - Washington Post

Globe and Mail

At Madoff Hearing, Congressional Committee Vows Reform
Washington Post, United States - 14 hours ago
By William Branigin Members of the House Financial Services Committee vowed today to undertake a major overhaul of the US financial regulatory system in the ...
Video: Congress Sounds Off Against SEC in Madoff Affair AssociatedPress
Madoff Case Symptom of Widespread Problems, SEC's Kotz Says Wall Street Journal
Live-Blogging the House Hearing on Madoff New York Times
Bloomberg - BBC News
all 2,063 news articles

Wells Fargo acquires receivables from GE Healthcare Financial Services - Trading Markets (press release)

Wells Fargo acquires receivables from GE Healthcare Financial Services
Trading Markets (press release), CA - 42 minutes ago
Jan 06, 2009 (M2 EQUITYBITES via COMTEX) -- WFC | Quote | Chart | News | PowerRating -- Wells Fargo & Company (NYSE:WFC), a diversified financial services ...
Wells Fargo Purchases Loan and Lease Receivables from GE ... WELT ONLINE
Wells Fargo buys $730M in receivables from GE Forbes
Wells Fargo buys $730 mln in receivables from GE unit MarketWatch
Bizjournals.com
all 23 news articles

Video: PNC Bank Welcomes National City Customers With Expanded ... - Reuters

Video: PNC Bank Welcomes National City Customers With Expanded ...
Reuters - 22 hours ago
The PNC Financial Services Group, Inc. (www.pnc.com) is one of the nation's largest diversified financial services organizations providing retail and ...
PNC, National City merger now in effect Indianapolis Star
PNC Bank conversion to go slow Akron Beacon Journal
PNC closes deal for National City Fort Wayne Journal Gazette
Bizjournals.com - Bizjournals.com
all 53 news articles

Daniel Pease Joins Local Financial Services Firm - MaineToday.com

Daniel Pease Joins Local Financial Services Firm
MaineToday.com, ME - 18 hours ago
Daniel Pease, a resident of Rockland, ME was recently selected to join AspenCross Financial Group, a member of the John Hancock Financial Network, ...
Matthew Glova is Elected President of the Triangle Chapter of UNC ... Carolina Newswire (press release)
all 2 news articles

UK Plans to End Ban on Shorting - Wall Street Journal

BBC News

UK Plans to End Ban on Shorting
Wall Street Journal - 6 hours ago
By ALISTAIR MACDONALD The UK's markets regulator plans to end its ban on short selling of financial stocks. The Financial Services Authority said Monday ...
Profit Warnings Replace M&A as UK Financial Regulator’s Focus Bloomberg
FSA to end financial shorting ban on Jan. 16 Reuters
FSA to lift short selling ban The Associated Press
guardian.co.uk - Wall Street Journal
all 348 news articles

Yahoo Search Engine News

Stock futures point to higher Wall Street open (Reuters)

Traders work on the floor of the New York Stock Exchange in New York January 2, 2009. (Lucas Jackson/Reuters)Reuters - Stock futures pointed to a firmer Wall Street start on Tuesday, with futures for the Dow Jones industrial average, the S&P 500 and the Nasdaq 100 up 0.4 to 0.5 percent at 5:20 a.m. EST.



Retail sales seen falling despite deep discounts (Reuters)

A shopper walks past sale signs on the first day of the Harrods sale in London December 27, 2008. (Luke MacGregor/Reuters)Reuters - Deep discounts failed to coax consumers to shop in December, but are sure to sap margins and will likely lead to a number of profit warnings when retailers report sales for the all-important holiday month this week.



Toyota orders 11-day output halt as sales slump (Reuters)

An employee at Toyota Motor Corp's showroom polishes a Toyota logo on a vehicle in Tokyo January 6, 2009. (Yuriko Nakao/Reuters)Reuters - Toyota Motor Corp (7203.T) is to halt production at its Japanese plants for 11 days in February and March as a sharp slide in U.S. sales has left dealers' lots full of unsold cars.



Prosecutors seek to jail Madoff (Reuters)

Bernard Madoff is escorted from Federal Court in New York January 5, 2009. (Lucas Jackson/Reuters)Reuters - U.S. prosecutors asked a judge to jail accused swindler Bernard Madoff on Monday, saying he sent jewelry and other items worth more than $1 million to family and friends in violation of his bail.



Merrill brokerage chief McCann to leave (Reuters)
Reuters - Bob McCann, head of brokerage at Merrill Lynch & Co, announced his plans to leave the securities firm, just days after its acquisition by Bank of America was completed.

Business Portal News

Living in the cloud
I used Wakoopa to track which applications I run on my home Windows machine. Here’s what it says: When 96% of your computer time is spent in a browser, that’s living in the cloud.

My RSS Reader Stats
I noticed that The Guardian drew up a list of top 100 sites for 2009. There’s a lot of great sites on their list, from stackoverflow.com to popurls.com to xkcd. One snag for me is that The Guardian only recommended two sites for blogging: Bloglines and WordPress. WordPress is great and just came out with a [...]

Ten things I don’t like about Google Chrome
Recently I blogged about what I like about Google Chrome, and Philipp Lenssen asked a good question: “What do you *not* like about Google Chrome?” Normally when I have suggestions or complaints about a Google product, I talk directly to that team within Google — the Google Chrome team is especially good about listening to feedback. [...]

Charity donation recommendations?
It’s the end of 2008, which means that it’s time for one of my favorite posts of the year: what charities would you recommend donating to? As I said a couple years ago: If you’re not aware of them, GuideStar and Charity Navigator are two good places to start. … Does anyone want to mention specific charities? [...]

I know, I know..
Sometimes I think Twitter steals energy away from blogging. I just did my 1000th tweet a few days ago. I’ll try to write something soon, but it’s been busy for the last few days. At least my cat Emmy has helped me catch up on my newspaper reading:

NY Times Business

Automakers Fear a New Normal of Low Sales
The across-the-board decline in car sales is certain to put more pressure on the fragile finances of manufacturers.


Bid to Revoke Madoff’s Bail Cites His Gifts
Bernard L. Madoff tried to hide at least $1 million in assets from investigators, prosecutors told a judge.


As Prices Rise, Some See $2 Gas
Gasoline prices have risen by several cents amid indicators that the national average could jump to $2 a gallon or higher this spring.


Air Security Could Involve Private Jets
Some 10,000 air operators would lose at least some of their exemption status if a new security plan is adopted.


Coming Down on Tobacco
The new Congress plans to move aggressively against the tobacco industry by regulating cigarettes, raising sales taxes and ratifying an international antitobacco treaty.


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