Making Money With Articles - the Importance of Keywords
What is a Keyword?
A keyword is a word that is going to be placed in your article several times, not just once as that would make every word a keyword. When a spider sees that you have a word placed several times in an article, it will determine that your page may be useful to users that search for such a keyword.
Over Optimizing Your Articles
It is important to note that there is also such a thing as over optimizing your articles for particular words, this is known as "keyword stuffing". When you stuff keywords in an article a spider will detect that you are trying to trick it into placing your article high in the search engine results for that word, and will instead penalize your site and your page for doing such. This may even affect the rankings of your other pages or get your site blacklisted from a particular search engine if you are found keyword stuffing too many times.
What is Keyword Density?
Keyword density is how many times your keyword is placed in your article. Most use a percentage to determine how many times they will put a keyword in an article. For instance, if you have a 500 word article and want to achieve a keyword density of 5%, then you will need to have the keyword in your article exactly 25 times. You can find hundreds of resources and guides recommending one keyword density over another and the reasons behind the logic, however, in the end you will have to determine which density is more profitable for your articles. Each webmaster as their own density that they like to achieve based on past results. As long as you don't over optimize and you are making sufficient profit from your rankings, then you can choose whatever keyword density you like.
The Right Density
No matter what exact density you choose, it is important to place keywords so that there are more at the beginning and end to produce an hour glass effect. Having the right keyword density in your article makes it more likely that you will make money off of that article because it will rise in the search engine results and be seen by more people.
12:55 AM | 0 Comments
How to Invest Money in the Stock Market - A Basic Investment Guide
When you want to know how to invest money in the stock market you need to learn the stock market basics. Itýs best to open a brokerage account ahead of time and learn how to place the order long before you begin to think of your stock portfolio. Knowing how to trade ahead of time takes the pressure off the trade itself and puts your focus on the matter at hand, the purchase of the stock and the investing strategies.
A few of the terms that youýll notice at the trade center are limit order/market order, stop loss/trailing stops, good till canceled/day order and fill or kill/all or nothing. Of course, the order also contains the spot where you place the stock symbol and the number of shares you wish to buy.
If you have limited funds or buy penny stock, itýs best you know how to invest money in the stock market with a limit order. The limit order simply states a price that youýll buy or sell the stock. If you choose to buy with a market order, you get the price that the stock sells for at that moment. On a rapidly escalating stock price, it might be a lot higher than you anticipated paying. If you set a limit purchase order and the price is lower, you get the lower price. Good till canceled means the order extends until you cancel it and day order is for one day. Stop loss and trailing stops protect your profit and stave off loss by selling if the stock drops to a certain point. Fill or kill and all or nothing are terms for functions used when trading stocks that donýt have a lot of volume.
You need to also decide how to invest in the stock market. That may sound like double talk but it is the decision whether you wish to invest long term or short term. Short-term traders investing strategies differ greatly from long-term investors. The investing basics of the long-term investor look for stocks of companies that grow over time, often return dividends or take stock splits and fill a need for today and the future. The short-term investing guide tends to look at just technical side of the stock and many times donýt even know what the company does, let alone the fundamentals. Often short-term investors are day traders.
No matter which type of investing you choose you need to know how to invest money in the stock market using the tools of the trade. The fundamentals of the company include the profit and loss statement, the price to earnings ratio, the management team and the effects of different economic conditions. Technical investors use the movement of the stock price from the past to attempt to predict its future movement. Stock market education involves understanding at least one of these if youýre a dedicated investor.
For the casual investor, a simple investing guide is to know the business and the product. If you want to know how to invest in the stock market the simplest way, find a product that you like and you know others really like. Find out the company that makes that product and see if they make other products you recognize and know are quality. Look at the stock price and check the direction of the stock. If itýs stable or going up, check out whether the company made a profit. This may be just the stock you want if see both profit and the stock movement is good. A number of top investors use this ýinvesting for dummiesý method to make their choice.
If you want to know how to invest in the stock market but arenýt willing to take the time to learn, you might reconsider. If you just ask someone how to invest money without any background in the area, you are turning your money over to the whims and beliefs of another.
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12:53 AM | 1 Comments
101 Stock Market Investing - Finding Stock Market Industry Beta
Stock Market Industry Beta is the measure of how a stock?s trading price moves compared to the market as a whole. Knowing this figure one can understand how volatile a stock is. A beta of 1 means a stock?s price fluctuates exactly as much as the market. A beta less than 1 means a stock is less volatile than the market and a beta greater than 1 means that stock is more volatile than the market.
Betas can be determined for entire industries also. The ?industry beta? would compare the volatility of the industry relative to the whole market. For example, technology stocks tend to be more volatile than the industry so the beta would be more than 1, generally.
To calculate industry beta you need some historical data of the price of the industry stock and historical price data of the entire market. For example if you were going to calculate beta over the last year for compare technology stocks versus the S&P 500, you would first gather the historical data you need. Next, determine the movements of the two prices after each trading day. This will give a percentage change versus the previous day. Once we have 365 of these we can average the group to determine the average move each made over the last year. We can call the average industry movement Ri and the average market movement Rm. Finally, divide the technology industry?s average movement by the S&P?s average movement and we will have an outcome that is less than 1 (less volatile), 1 (equally volatile), or greater than 1 (more volatile). Written out this function looks like this:
Β = Ri / Rm or B = Covariance(Ri , Rm)/ Variance(Rm)
Beta can be useful in stock research when judging how risky a stock is versus a stable investment with a guaranteed rate of return. It must be noted that the longer period of time the beta is acquired the more accurate that beta will be. Also, betas are more valuable when used with stocks that have a long record of high volume trading. Smaller stocks that don?t trade a lot can fluctuate wildly on a busy day and throw the beta out of whack for the period being measured.
12:51 AM | 1 Comments
Different Ways of Investing Money - How Small Investments Can Deliver Big Profits
I have been investing with success in the stock and forex market since 2006. Both of these markets are different ways of investing money that -if done right- can leave you with great returns in the long run.
Indeed I have always managed to achieve consistent results with forex trading, getting monthly returns of over 6 to be a lot of money you must already have some hard currency in your pocket. Therefore I always considered both the forex and stock market different ways of investing money capable of delivering a secondary income -at least in my case- given the fact that I did not have millions of dollars to invest.
By the end of 2007, I started to seriously profit from affiliate marketing, but always I remained attentive to different ways of investing money that would improve my overall performance in the online business arena. While researching some issues relevant to one of my affiliate campaigns, I stumbled upon an alternative that promised some remarkable results within my forex trading operation. I did my research on the subject and I was maybe 95 monthly return to a stunning 262 monthly profit. I mean, the guy behind this system (Marcus Leary) must have had some kind of contact with aliens or something, because he really pulled something I would definitely repute as gimmick had not I seen it with my own eyes.
Maybe putting your money in a system like this can seem a very unorthodox and a somewhat different way of investing your money, but whether you want to consider this as an investment or as a simple business expense, this system will surely turn your forex trading operation into a completely different way of investing money with a potential for profit that I could have never envisioned without the help of the system.
12:49 AM | 0 Comments
How to make money using article marketing.
12:48 AM | 0 Comments
The U.S. Dollar Is Meeting Strong Resistance
The Federal Reserve might cut rates again before year-end, as the measures taken by the U.S. government are just getting into the economic system. The U.S. dollar, in the mean time, is finding a strong resistance at current levels, albeit the short term trend stays bearish for now.
More weakness expected for the U.S. economy1:20 AM | 0 Comments
The U.S. Dollar And The Paradigm Shift
The Federal Reserve is preparing another rate cut by 50/25 basis points, but more work might be needed. In fact, for the first time in many years, the economic crisis is systemic and includes both the real economy and the financial sector. Europe is catching up. So, the European currency is still vulnerable against the U.S. dollar.
1:12 AM | 0 Comments
Making the best of low-interest savings
The forecasts made by the economists at 24 of Wall Street's biggest bond dealers in January 2002 tell an important story. In developing forecasts for 2002, 21 of 24 said interest rates would first begin to rise sometime in 2002, which was the prevailing viewpoint at the time. Only three saw the Federal Open Market Committee not boosting rates until 2003, though none foresaw the half-point interest rate cut in November 2002 that brought rates to a 41-year low.
What this illustrates is the difficulty of forecasting in an ever-changing world, even for some of the best-educated and well-respected Wall Street professionals. Just as rates have remained lower, for longer, than anyone first envisioned, the opposite could very well be true when rates one day begin to climb.
Two weeks ago in this space, the prudent steps for borrowers -- debt consolidation and debt repayment -- were addressed.
So how can savers best make lemonade from the lemons of low interest rates?
Take, for example, an investor with a portfolio of five-year CDs laddered to mature at annual intervals. Only 40 percent of this portfolio has been reinvested at sub-normal yield levels and, assuming no dramatic improvements for the remainder of 2003, by year-end 60 percent would have been reinvested. But even then, the other 40 percent would still be chugging along at much higher interest rates, including the portion invested in 2000 at what was then a five-year high.
Just as the laddered structure has provided protection in a time of continually declining interest rates, it would also benefit the investor in an environment of abnormally high interest rates by reinvesting at progressively higher rates. Don't think this will happen? Remember, no one foresaw the current state of interest rates as recently as 13 months ago.
What about those not dependent on interest income who have dutifully dispatched of high-interest debt such as credit cards, and refinanced the mortgage at rock-bottom interest rate levels? Consider using the extra cash to rebuild the safety net or emergency fund. Check out high-yield money market deposit accounts as a way to keep pace with inflation while preserving liquidity and having the protection of FDIC insurance.
The presence of this safety cushion provides greater flexibility for future investments or expenditures, but is a preventative to incurring debt at higher future interest rates should unforeseen circumstances arise.
Savers may be running on an interest rate treadmill, but certain actions now will help keep the finances in tip-top shape regardless of how flat or steep the grade of interest rates becomes.
2:29 AM | 0 Comments
Money market funds reinflate fees
"Many of the waivers that were implemented were the result of a potentially negative yield -- which isn't possible, but the fees would have chewed up the effective return down to nothing, so they reimbursed at least back to the zero level, if not above," says Jeff Keil, vice president of Global Fiduciary Review at Lipper, a mutual fund research company.
"It was a temporary phenomenon by some funds to keep from going underwater. I would guess a sizeable portion will reinstate their fees to a point. Some may not reinstate the entire fee; they may see this as an opportunity to gain a shade more yield than their competitors."
"AIM began incrementally reinstating waived fees and expenses when the Federal Reserve Open Market Committee (FOMC) raised the federal funds target rate from 1 percent to 1.25 percent. AIM intends to carefully monitor the FOMC's actions and corresponding market conditions in determining the ongoing use of this policy."
While quite a few funds across the board waived fees, Peter Crane, of IMoneyNet, says it was most prevalent among those charging expense ratios of 1 percent or better, which he estimates to be about 5 percent of money funds.
Experts say with all other things being pretty much equal, when selecting a fund, the lower the fees the better.
"These funds are designed primarily for short-term investors," says James McDonald, manager of taxable money market funds at T. Rowe Price. "You want liquidity and safety of principal. It's a cliché, but you want to put a dollar in and be sure to get a dollar out. With regulations the way they are, the funds have to maintain very high credit quality. Over the years, money funds have become a generic product and it's pretty hard to differentiate yourself other than to establish a very good long-term track record."
The problem is that too many people don't pay much attention to the expense ratio, which is what it costs to run the fund annually. There may be other charges -- brokerage or transaction costs -- that also whittle away at your overall return.
Vanguard, known for its low fees, charges an expense ratio of 0.30 percent on three of its money market funds and only 0.13 percent on its Admiral Treasury Money Market fund. The average expense ratio for a taxable retail money market fund, according to Lipper, is 0.73 percent.
"If Vanguard can run a money fund for the cost that they run it -- you do incur expenses. But does it need to be 1 percent or more? Probably not," says Reuben Gregg Brewer, manager of Value Line's mutual fund research.
If you don't keep a lot of money in a money fund, or if you use it as a temporary parking place while you decide how to reinvest the money, it may not matter to you if the expense ratio is a bit high. But if you use a money fund as a longer-term investment vehicle for an emergency fund or a future purchase, it pays to shop around and trim expenses as much as possible.
For some help in selecting a money market fund, check Bankrate's listings of the 10 highest-yielding taxable money market funds and the 10 highest-yielding nontaxable money market funds.
2:24 AM | 0 Comments
Making money in a bearish decade
The Mole's Answer: While I completely disagree with your assertion that the market has gone nowhere in the past ten years, I actually do advise clients to do a type of buying on dips and selling on rips. Let me explain.
First, I admit that it hasn't been a stellar decade for the stock market. I also admit that I've heard advisers claim the market has been flat over this time period. I've seen media articles claiming the S&P 500 is nearly exactly where it was ten years ago.
But this doesn't mean the stock market has gone nowhere. It all depends on which measures you're looking at.
The S&P 500 essentially comprises only the largest 500 U.S. companies which, as it happens, have been the worst performing parts of the global stock market. Further, as I noted in How's your global portfolio, the index itself doesn't include the portion of the return that came from dividends.
Granted, over the past ten years, we have seen one of the worst bear markets in history in which many markets lost nearly 50% of their value. And you'll get no argument from me that we are currently in another down market.
Yet, over the ten year period ending June 30, 2008, the U.S. stock market, as measured by the Vanguard Total Stock Market Index Fund (VTSMX) eked out a 3.5% annual gain, after paying fees. Over the same time period, the international stock market turned in a respectable 7.1% annual gain, using the Vanguard Total International Stock Market Fund (VGTSX) as a measure.
If you had invested in these two funds, with a portfolio of two-thirds U.S. and one-third international, the total return would have been 4.89% annually. While this is certainly nothing to write home about, $1,000 invested ten years ago would have been worth $1,606 - not too shabby.
Throwing in some alternative asset classes would have also given your return a boost, and in general can be a good way to hedge against losses. For example, if you had changed the above portfolio to invest 10% of the U.S. portion in Real Estate Investment Trust stocks via the Vanguard REIT index fund (VGSIX), and 10% of your international in Vanguard precious metals and mining (VGPMX), both of which happened to perform very well in the last 10 years, your annual return would have been 7.03% and your $1,000 would have grown to $1,973. Nearly doubling your investment is not exactly horrible.
If these returns come as a bit of a surprise, that's because very few people actually achieved them. And the reason can be chalked up to the two usual suspects; expenses and emotions.
Expenses take from our return in obvious ways, though all of the funds mentioned above have very low costs. By some measure, our emotions also tend to reduce our return by another 1.5%, as we get into certain markets or sectors at the wrong times - after they have been hot.
Buying the dips and selling the rips
I may not agree with you that the market has gone nowhere over the past decade, but I'm absolutely on the same page with you that we should buy low and sell high. The problem is that I don't actually know what days the market will go up and which days it will drop. That's one of my strengths as a financial planner - I actually know I don't know.
Nonetheless, I believe in rebalancing a portfolio. If you allocate 60% of your portfolio to stocks and they decline, you have to buy. And if stocks increase, you have to sell some to get down to that target allocation. I think that's essentially what you're advocating, and you can count me in.
Over the past decade, that 60% equity portfolio (comprised of 40% VTSMX and 20% VGTSX), and 40% bond portfolio (40% Vanguard Total Bond (VBMFX)) returned 5.10% annually. But if you rebalanced annually, you boosted your return to 5.45% per year.
In a way, rebalancing is market timing that actually works. Unfortunately, most consumers in the stock market let their emotions get the best of them, and are unable to tough out the market ups and downs.
However, I don't believe in buying one day because the Dow dipped 300 points, and selling the next because it recovered. Fun and exciting though it may seem, there is little evidence that it actually works. I've had some people claim to make 30% in a down market, but so far none have allowed me to audit their account.
My advice: Take the gloomy media reports with a grain of salt and invest for the long-term. Circumstances are usually not as bad as they are made out to be. Don't move in and out of the market on a daily or even monthly basis. The more you move in and out, the lower your returns are likely to be.
The Mole is a certified financial planner and certified public accountant who - in the interest of fairness - thinks you should know what goes on behind the scenes in financial planning. Want to make contact? E-mail themole@moneymail.com.
2:09 AM | 0 Comments
The Contribution of the Euro-dollar Market to the Modern Financial World
The role of sterling has been a central point to the development of the Euro-dollar market. To the sense that, the control of sterling has not only been a central preoccupation of British governments, but largely determined Britain’s strategy towards the international financial market. Since 1958, governments have found themselves in a “dilemma” by the pressures of which the international use of sterling had placed on the British economy where “depleted” reserves of the entire sterling area constituted the most significant constraint on achieving economic growth. The management of sterling was the heart of governing Britain until conditions allowed the convertibility of the currency in the late 1950s. The central point that, throughout the postwar period, the British government sought agreements that enabled US dollars to flow to Britain whilst restricting the convertibility of sterling in domestic and foreign hands, (the Washington Loan Agreement, the Marshall Plan, and military assistance programmes encouraged a flow of dollars to Britain).
The UK government placed particular emphasis on exports to the dollar area (dollar-earning exports), with sterling area exports deemed next in importance. As early as the 1950s, Conservative governments, set about reasserting the international status of sterling and the importance of the City of London as the world’s premier financial centre. In 1953, commodity markets and exchanges for raw materials were re-opened in London. March 1954 saw the long awaited return of London Gold Market (open to all non-residents of the sterling area). Changes were made in currency regulations in 1955, which allowed the partial convertability of the pound for non-sterling area residents and non-dollar area residents. This was followed finally by the full convertability of sterling in December 1958, and by the Bank of England’s decision in 1962 to provide cheap foreign exchange cover and allow non-residents to hold dollar balances with the Bank of England (thus signalling the beginning of the Euro-dollar market). Dollars could now be deposited with the Bank of England in an external account, thereby escaping US exchange regulations and earning a higher rate of interest than obtainable in the US. The aim here was well calculated. London’s position as the main financial centre would be re-established and the City would quickly become the world’s leading Euro-dollar market.
However, the real significance of the Euro-dollar market lay in the fact that it originally drew its funds from non-bank suppliers and ultimately lent them to non-bank users, in which the established market was not dependent upon the existence on the USA remaining in deficit. As, the market soon become an integrated international money market providing its own specialised service which had shown considerable powers of survival. Merchant banks simply turned to the expatriate dollars, and used them in the way they have used sterling, operating freely on a global scale in the financing of international trade and the arrangement of longer term loans. American and other foreign banks wanting to take advantage of the paucity of financial controls in the UK soon joined this new market that was dominated by the merchant banks. Hence, between 1967-1978 the representation of foreign banks in London grew from 113 to 395. As, for the City’s banks, the establishment of sterling convertability in 1958 “was arguably the most important event of this century”, for it heralded the rise of the London Euro-dollar market. The table below shows how dramatic the Euro-dollar market had indeed become. A total of 91 international Euro-currency issues totalling the equivalent of $1,884m took place in 1967. The firms shown below are ranked in order of the aggregate amount of issues for which they acted either as managers or as co-managers. Apart from those listed, there were 45 firms active in such management
4:00 AM | 0 Comments
Overcoming the Fear of Money
Let’s look at a few of the myths about money …
“Money is the root of all evil”
Everybody has heard this one. Unfortunately, it’s one of the most famous misquotes of all time. The original quote comes from the New Testament and the correct quote is “the LOVE of money is the root of all evil”. The love of money is an obsession and thus the true quote warns of the potential corruption that can derive from a love of, or obsession with, money (or any unhealthy preoccupation).. The fact is that money itself is neither good nor evil. It is neutral. Money can be used for good or it can be used for bad. How it is used is a choice, and the choice of how to use money is in the hands of he (or she) who controls it.
“Money is Power” (and Power corrupts)
Money itself has no real power. For instance, if you were legally given 10 million after-tax dollars in cash, put it in a safe deposit box, never touched it and never told anyone you had it you would have no more power than you do right now. The power of money comes from the use (or misuse) of it or the perceived benefit or threat by others. The money itself does not generate any power; it has to be converted into power. And whether or not you wish to convert money into power is a choice. And if one decides to convert money into power that power may be used for good or for evil, depending on the character of the person with the money.
“Money will change your life”
Let’s hope so! Used wisely, money can greatly ease many of life’s burdens and greatly enhance one’s life. Or, if you have a weak character, choose to live in fear and worry, you can let money make you miserable. It’s not the money, it’s YOU. The important thing to realize is that you get to control the money, it doesn’t get to control you. Want proof? Here’s how much actual control you have over your money - in the extreme, you can always give all the money away - and be rid of it. Just like that. You can give it all to charity, you can throw it out the window, you can walk down the street and hand it out. You can burn it all. It’s yours and you can do whatever you want with it, including give it away. Gone. You can make it all disappear if you choose to do so. That may be a stupid choice but that choice is always yours. That’s the ultimate power you have over your money and it rests in your hands. Money doesn’t ruin or change your life or change you or take control over your life. Unless you let it. And since you have the ultimate power to get rid of it why would you let it ruin your life?
“Money can’t buy you happiness”
This is true - if you are not happy to begin with. However, if you reasonably well-grounded, have a good value system and a little control over yourself money won’t hurt you either. Contrary to popular wisdom, money and happiness are not mutually exclusive. In fact, money can greatly enhance the security, independence and well being of your life, your family’s life and the lives of people you care about. Money can’t buy you happiness but happiness can’t buy you money!
To sum it up, the fear of money is often based on misconceptions. The truth is that money itself is simply an inanimate thing, doesn’t know or care who does what with it, has no moral or ethical value and is a necessary commodity to have in the civilized world. Money, in the hands of whoever has it, has the capacity for great good or great evil, depending on who is doing the spending. It is not money that should be judged but the character and actions of the person (or entity) who uses it.
Money is nothing to fear.
3:52 AM | 0 Comments
