99 High Paying Keywords: The Secret Is Out!

Incorporating high paying keywords into your site is critical to maximizing your income. Who has the time to figure it all out? How much are you willing to pay for this type of information? The secret is out: Here are 99 keywords you can use with payouts averaging $2-$100 per click:

1. Structured settlements

2. Mesothelioma

3. Acne

4. Life Insurance

5. Death Insurance

6. Bextra

7. Asbestos

8. Car Insurance

9. Dental Plans

10. Private Jets

11. Debt Consolidation

12. Credit Cards

13. Rewards Cards

14. Equity Loans

15. Equity Line Credit

16. Loans

17. Mortgages

18. Pay Day Loans

19. Cash Advance

20. Bankruptcy

21. Reduce Debt

22. Refinance

23. Jet Charter

24. Vioxx

25. Wrongful death

26. Legal Advice

27. Taxes

28. Investing

29. Bonds

30. Online Trading

31. IRA Rollover

32. Refinance Quotes

33. Adult Education

34. Distance Learning

35. Alcohol Treatment

36. Rehab

37. Drug Rehab

38. Spyware

39. Cell Phone Plans

40. Calling Cards

41. VOIP

42. Weight Loss

43. Canadian Pharmacy

44. Depression

45. Spam Filter

46. Lasik

47. Facelift

48. Teeth Whitening

49. Annuity

50. Anti Virus Protection

51. Adult Diaper

52. Free Credit Report

53. Credit Score

54. Satellite

55. Anti Spam Software

56. Dedicated Hosting

57. Domain Name

58. Need Money

59. Bachelor Degree

60. Master Degree

61. Doctorate Degree

62. Work at Home

63. Quick Book

64. Extra Money

65. Eloan

66. Malpractice Lawyer

67. Lenox China

68. Cancer

69. Payperclick


70. Personal Injury Attorney

71. Lexington Law

72. Video Conferencing

73. Transfer Money

74. Windstar Cruise

75. Casinos Online

76. Term Life

77. Online Banking

78. Borrow Money

79. Low Interest Credit Cards

80. Personal Domain Name

81. Cellular Phone Rental

82. Internet Broker

83. Trans Union

84. Cheap Hosting

85. University Degrees Online

86. Online Marketing

87. Consolidate

88. Helpdesk Software

89. Web Host

90. Homeowner's Insurance

91. Yellow Page Advertising

92. Travel Insurance

93. Register Domain

94. Credit Counseling

95. Email Hosting

96. Business Credit

97. Consumer Credit

98. Blue Cross

99. Laptop Computer

Actual payouts vary depending on whose PPC program you belong to and on the amount that has been bid per click by advertisers. Still, the savvy web administrator will take good care to incorporate some of these key words and reap results higher than they ever expected. http://Infosdemocracy.com

A Successful Business Financial Projection Can Be The Key To Securing Financing

A business seeking capital can't afford to underestimate the importance of business financial projections. A business financial projection is simply forecasting your sales and revenue to the lender. This information is important because it is a key indicator to your ability to repay a loan.

If you are unsure about financial forecasting and how it relates to your business it is best to hire someone who does know. Most lenders will want to see a three or five year projection. There are 14 different items to include and fully support in your financial projections. With these different items it is best to give a month-by-month breakdown for the first year, a quarterly breakdown for the next two years, and an annual breakdown for the final two years you are projecting.

The different items to include in your projections are; sales revenue estimates, administrative costs, production costs, sales costs, capital expenditures, gross margin by product line, sales increase by product line, interest rates on debts, income tax rate, accounts receivable collection plan, accounts payable schedule, inventory turnover, depreciation schedules, and the usefulness or depreciation of assets.

The income projection enables the owner/manager to develop a preview of the amount of income generated each month and for the business year, based on industry supportable predictions of monthly levels of sales, costs, and expenses. When determining the total net sales you will be finding out how many units of products and services you expect to sell at the prices you are projecting. Make sure to think of what returns, allowances, and markdowns can be expected. The sales costs needs to be calculated for all products and services used. Ensure that when determining the costs of sale that you don't forget anything such as commission paid to sales representatives, transportation costs, or any direct labor costs. 

For the gross profit you would subtract the total cost of sale from the total net sales. To get your gross profit margin you will divide the gross profits from the total net sales. This will be expressed as a percentage of total sales or revenues.

When formulating your business financial projections there are five items that will ruin the accuracy of your projections, and hurt your chances of being approved for business financing. The first one is wishful thinking or being over-optimistic about your sales potential. Ask yourself: "Is it possible to achieve the sales levels you're forecasting?". A good example is that a sales team can only visit a certain number of customers each week or a factory can only manufacture a given amount of products on each shift. Make sure to keep your projections realistic and even more important to be based on supportable evidence. It is imperative to also make sure that your sales assumptions are linked directly to your sales forecast or your information will contradict itself. Most lenders are "by the numbers", so if your numbers don't add up, you will get declined. A good example of this is to say that you expect increased sales in a market that is declining. That just does not add up.

Another thing not to do when projecting your business finances is to spend a lot of time refining the forecast. Try to avoid tinkering with the target numbers once they are set. Many business owners neglect to ask the opinions of the sales people who know the buyer's intentions about what they think the projected sales should be. It is important to make sure your sales team agrees on any sales targets that will be set. One other fatal mistake made by business owners when working on financial projections is not getting feedback on the projections from an accountant. http://Infosdemocracy.com 

Why some people should lower their Google Adwords click through rates

Once you've started your Google AdWords campaign and chosen a great set of keywords, your ads may still need some work. No matter how relevant your keywords are, your campaign needs to woo your potential customers, not just freebie seekers.

This seems to be an area that most PPC marketers fall down on. With all this talk about click thru rate, people miss the bigger issue: the clicks are next to worthless if they don't convert to sales. In fact, they aren't even worthless – they lose you money. Return on investment is what matters, and everything else is subordinate to that, including (perhaps especially) how many people click on your ads.

So, how do we target buying customers and get rid of the click-hungry tire kickers? Well, there are several strategies I use, and taken together they ensure I get healthy returns on my clicks.

Firstly, pay very close attention to your keywords. By on large, the broader the keyword, the greater the chance of random non-buyers clicking on your ad and costing you money. For example, someone searching for "Adwords" might want to log into their Adwords account, they might be searching for free content, or they could just be killing time.

Contrast this with a very targeted keyword such as "buy Adwords e-book". Well, there is no comparison, the second will tend to convert at ten times the rate of the first, more general keyword – but people tend to pay the same for each keyword. I don't know if it's because no-one tracks their conversions properly anymore, but in any event don't fall into the trap of believing that all keywords are created equal.

If you are a merchant and have conversion tracking setup on Adwords, pay close attention to where your sales are coming from. The truth might surprise you.

Secondly, add "free" as a negative keyword to your campaign – this will cut out the blatant tyre kickers before they even get a chance to click on our ads.

A third possible strategy is to put your price in the ad, possibly in the headline, eg "super new gizmo only $50". However, I don't like this method too much – the reason being that the freebie hunters will click anyway, and many potential buyers will be dissuaded from clicking (many copywriters make their price as invisible as possible on the sales letter, why advertise it before they have even read the benefits?)

What I tend to do instead is make a subtle reference to the fact that the information does come with a price tag, using a word such as "cheap", "low cost", "inexpensive", "limited offer", "discounted price" etc. This tends to not only dissuade the hardcore freebie hunters, but will actually make borderline potential buyers curious and more willing to read the sales copy. And that can only be a good thing.

Remember, click through rate is important but only if the people who click are buying. If not, you would be better off pausing your campaigns and trying a more forgiving advertising method.  http://Infosdemocracy.com

 

How to Keep Customers For Life

Being is business isn't just about getting a customer, selling him something and moving onto the next one. It's all about making sure that your customers keep coming back to you … and spend more money!

But how can you make sure that your customers stay customers for life? What strategies can you put into practice to keep bringing them back for more? A planned customer retention programme is something every established small business should have in place. That sounds great, but what is a retention plan and what should it include?

Do the Groundwork

Before starting a retention programme, you need to understand where your business stands now as regards its retention track record. Ask yourself these 3 questions:

1. Do you know how many customers you have lost in the last 12 months?

2. If you do know how many, do you know why they stopped dealing with you?

3. Have you ever quantified the impact these losses have had on your bottom line?

Before you can put an effective retention plan in place, you have to answer these questions. They are the key to understanding and implementing an effective retention strategy. Let's look at each of them in turn.

How Many Have You Lost?

It's essential you know how many people stop doing business with you at any one time. Keep a database of all your frequent customers; how often they buy; what they buy and in what quantity. Every month review the information and see if you can spot any worrying trends. Has the average order value been declining over the last 3 months? Has one customer's regular order dried up altogether? If someone orders a large range of items each month but suddenly stops purchasing one particular range, why?

If you can't track the customers you are loosing, how can you keep them or tempt them back?

Why Have They Turned Their Back On You?

Armed with the information on who's deserting you, the fight back can start in earnest! There are sometimes very good reasons why business can dry up – the owner could have died, moved away, or closed down. Not a lot you can do about that! But what about more worrying reasons? Your product quality has gone down hill; the customer feels he is no longer getting value for money; your general service levels have declined. These are areas you have to know about, so you can get the business back on track

If you see a slippage in business and you can identify who is contributing to it, then pick up the phone and get talking! Find out what the problem is. If you can bring them back into the fold, then great but if it's genuinely too late, then at least you have gathered some important knowledge about where the business is going wrong.

What Has It Cost You?

You may be thinking that the odd customer here and there is not going to have a major impact on your lifestyle. Think again! Remember, it's not just one sale, it's a lifetime of sales that you are loosing. Supposing a customer spends $1,000 per month with you. He walks away into the sunset and you never see him again. Imagine that he could have been doing business with you for the next 20 years – that's $240,000!

Interested now? Well you should be! Working out the financial impact of loosing just one customer can really bring home the impact on the business. This should galvanise you into action and get you working on a retention plan.

Your Retention Plan

Having now convinced you that you need a Customer Retention Plan, what exactly should it include?

1. Have a system in place which allows you to answer all the questions we have just reviewed. Understand what is going on in the business, so you can identify and put matters right. Make sure you know who you lost, why you lost them and how much it has and will cost you

2. Get your staff together on a regular basis and remind them of the importance of retaining your customers. If you don't get them on board then you have no hope

3. During your staff meetings hold brainstorming sessions so everyone can come up with ideas on how to hold onto your customers

4. Implement the good ideas and measure the results so you know what is working and what is not

A good retention plan can be just as effective as a good marketing plan; they achieve the same results – a contribution to profit. So, sit down and have a think about the steps you can put in place to keep your customers.

I saw a sign in shop one day, it said, "It's not how many come in, it's how many come back that's important." Doesn't that say it all! http://Infosdemocracy.com

Forget Conventional Dream Interpretation: Learn to Cultivate Your Dreams Today!

One of my favourite quotes of all time and I am sure many of you share my thoughts, is the speech by Martin Luther King at the civil rights march in Washington, 1963, which went like this:

"I have a dream that one day on the red hills of Georgia the sons of former slaves and the sons of former slave owners will be able to sit together at the table of brotherhood..."

"I have a dream..." Indeed. Inspiring stuff. I want to discuss our dreams in a very practical way today.

I want to talk about how to cultivate your dreaming. It really is a tremendously valuable thing to do. I want to steer away from conventional dream interpretation and will explain why.

As of today, pay attention to your dreaming and your daydreaming. Dreams are important to us in many ways, because they do the following:

Firstly, when you dream you actively process information and feelings.

Secondly, dreams are always involving many senses, so the highly sensory experience is very rich. It is quite rare for us to use all our senses at once as we do when we dream.

Thirdly, dreams give us valuable information about what is going on in our lives, whether directly or more often in a disguised or symbolic form.

Fourthly, dreams are strongly sequenced, though often in a way which is emotionally rather than logically organised.

Finally, dreams draw upon a rich range of unconscious, associative, creative links between many kinds of information.

Some people remember their dreams; others tend to forget all but the most dramatic bits as soon as they wake. When you dream or daydream, take time to replay as much of it as you can in your mind before the events of the day overlay it. Relive the story of that dream. Remind yourself of the events, pictures, sensations and other sensory information it involved.

This dream was the product of your mind. Marvel at your own creativity! This is amazing stuff here; get excited by it.

If you get into the habit of asking yourself when you wake, "what did I dream?" you may at first only remember a few particularly strong feelings or vivid images: write them down and review it regularly. I actually used to write a dream journal and wrote everything down as soon as I opened my eyes each morning. It provided me with such inspiration when I required it.

Naturally, lots of you may want to start with dream interpretation straight away. Resist the urge for dream interpretation, ok?

Do your best not to assume that there is necessarily a single clear meaning which can be interpreted according to psychological theories or books on dream significance or dream interpretation. How can your dreams have the same meaning as someone else? Is your brain the same as that persons? For now, ease off the dream interpretation.

I have found that the most useful assumption to make about dreams is that they have some kind of significance for you, the dreamer: they come from your internal, unconscious mind's storehouse of feelings, experiences and images, and are an active and useful way of processing that is quite different from – and just as useful as – the processing that belongs to the logical conscious part of your mind.

Often a strong feeling will be your first clue to the meaning a dream has for you: so note it, and wonder about it, but don't try to rush to tie it down by conscious analysis. The real work of the dream is often done simply in the dreaming of it: the conscious mind does not always have to understand, and when it tries to translate dreams into its own terms it may be limiting it, just as poetry translated from another language usually loses something of its more subtle tapestry of meanings.

Think about the value of dreams.

Dreams demonstrate a different level of mental functioning from conscious, disciplined thought. When you pay attention to them, and even cultivate them, you are learning to become familiar with, to trust and to draw upon a fuller range of your own mental resources: in other words, you are using more of what you've got. Hey, this stuff is going to keep happening, so why not really use it.

The mind works both consciously and unconsciously. Conscious thought is formally taught in our education system. Its strength is its systematic and disciplined way of handling information. Its limitation is that it tends to be rule-bound and too narrow in its problem-solving approach.

The brain also processes information at an unconscious level: mostly, this is associative and depends on links, similarities and feelings. This processing produces dreams, as well as much of our other "creative" or "expressive" experience. That is why we are often surprised by the spontaneous connections we make or insights we have, and by our imaginative inspiration: it is not what we would have come up with consciously at all, yet it seems somehow completely "right". This way of thinking works "laterally" – it expands, goes sideways and finds multiple avenues rather than just one.

We need both kinds of functioning if we are to make the most of our brain power. Logic and intuition, discipline and divergence, are all vital tools that enrich and enable us. But whereas we are used to working with the conscious mind, in part because we are aware of it and can monitor it as it works, many people are less at ease trusting and using the unconscious processes. Paying attention to your dreams, and deliberately cultivating daydreaming, are both ways of stretching yourself into this area.

So let us have a look at the value of deliberate daydreaming. Where dreams come unbidden, you may find it useful to deliberately evoke the conditions for daydreaming, if, like many people, you have not really valued the activity before now.

How is it valuable? Daydreaming brings us escape and relaxation; visions of the future that inspire and help us to bring about what we have dreamed of; solutions to apparently unsolvable problems; inventions and creative possibilities. Daydream states allow the unconscious, associative parts of the mind to work in their own playful and imaginative ways, bringing not only pleasure but results that our usual deliberate, attentive, rational thought does not. We need space in our lives for both ways of processing if we are to realise ourselves as fully as possible.

The key to daydreaming is to be in that right state. If you want to practice, please visit my website and download the free hypnosis session there, or learn self-hypnosis, read my book "The Secrets of Self-Hypnosis" or invest in the self-hypnosis masterclass audio programme, there is nothing else as good in the world today, really there isn't. There is a kind of automatic abstractedness that goes along with daydreaming. Mostly it just seems to happen – but when you know about creating and changing states, you can choose to make it happen.

Here are some ways you can cultivate and work with your daydreams:

Firstly, notice when you have been daydreaming. Is there any pattern of circumstances that helps bring about your particular daydreaming state?

Some people find that repetitive, relatively automatic, activities such as jogging, ironing or walking create the right state. Perhaps it is a warm bath, swimming a few lengths, or sitting in the garden. Or it may be swaying to the movement of a train, staring into space, looking out of the window of a bus on the way to work, or going on a long drive.

Once you find what helps you daydream, use it and make space for it in your life on a regular basis, imagine that you are in that experience, recreate those circumstances inside of your mind. Let daydreaming come to you, and notice what kinds of windows it opens from our ordinary world into what other kinds of possibilities. Some of your best ideas and inspirations may come at these times.

Secondly, next time you have a decision to make, or a problem to solve, or a challenge to overcome, you can set up the circumstances so that you can trigger your daydreaming state – and allow yourself to explore your problem or decision in this way. When you have done so, make some notes of what you experienced and discovered. Add that to your conscious thinking on the subject: you now have much more information, and the advantage of having engaged more of your mental resources.

Thirdly, for today, forget dream interpretation. That is a conscious and limiting thing to do. Did I make myself clear? Forget conventional dream interpretation. For now use your dreams in personal ways to you.  http://Infosdemocracy.com

The work-life balance

Balance. It's a nice word but the reality is hard to pin down. It may not even put us on the right track in our 21st century quest for fulfillment and happiness. In this article we will talk about the integration of work and family life, beginning not with the workplace and the employer's role in sorting things out, but with the person and her priorities.

Generally than people talk about work-life balance they mean the challenge of managing their family commitment when they've got children, while juggling the demands of a career. That's the traditional focus, but the concept has evolved quite a bit. There are now many younger people in the workforce, in their late 20s and early 30s, who may not even have home or family but they want a sense of balance in their life.

Often we are thinking of some sort of perfection, where nothing is out of place, there's no stress, and this of course is unrealistic. It automatically means a trade-off between work and life. If I give more time to my family I won't be able to do my job properly, or if I spend more time on the job my family will suffer. Yet I want to be able to have it all, to do it all, right now.

Let's think about integration, which means bringing the various pieces of our lives into a cohesive whole. We each have many roles, goals, responsibilities and life plans. We have to get it together. The attractive idea of finding ways to bring life into a unity will give us the harmony and happiness we seek.

Experience shows what people who have very clear priorities and their own clear definition of success succeed best at balancing their lives. They know what's most important in their lives. These are people who can say, before it happens: If I have to make a choice, if work and family come head to head, I know what my biggest priority is. People who realize it may have slow their career for a period of time, perhaps while a child is younger, and have a less demanding job so they can have more time at home. And they can be at peace with that, because their definition of success is not necessarily the one that society tells them.

Usually we have to just go through life and let the new promotion or the new demands of the job dictate what you do, to feel you don't have a choice. This is not balanced life road. We need to stop and reflect, communicate more with your husband, your wife, your manager at work, and basically be more pro-active.

The today's truth is that we have too much to do. Technology has changed things and made people accessible 24 hours a day, encroaching on the peaceful time people used to have. Yet some things don't change. We still have 24 hours a day. We all have the same amount of time and how we use it comes down to a personal choice.
The disorganization traits usually come from avoiding the choice and try to do too much. Even a simple thing like, What are we going to have for dinner tonight? can become a huge job if we feel, Oh, I've a lot of work and will not be able to do grocery shopping. Obviously, if we have the knowledge and skills to make something simpler than we're going to gain more time. This is what AcePlanner is built on - using good systems to simplify daily tasks so you don't spend inordinate amounts of time on work.

For balanced life planning and other basic management skills have to be used at home as well as in the workplace. One of the reasons why many people prefer going out to work to working at home is what we're very organized in the workplace, we use time management there, and then we come home and just ride the waves, consuming ourselves with the latest problem that has cropped up.

However there's nothing wrong with wanting to go out to work. We do need multiple interests to enrich our lives and many times we have talents that we need to give to the workplace and to the world. But it is true that work on the job is often more attractive because it is more project-oriented and very linear, and at the end of that piece of work we get the praise and a sense of accomplishment, whereas at home every day it's the same thing.

Human beings have certain basic needs that have to be taken care of every day, and although we can feel a sense of accomplishment that we have organized something at home, it's soon going to be dirtied again, or another meal is going to have to be put on the table. And this means changing your sense of where you get your satisfaction - not just from accomplishing the task or from the process of doing it, but from the motive.

We are all expecting a reward or praise for completed work. Lack of reward will kill our desire to work what leads to reduced productivity. This is why we prefer working for others than doing something for ourselves. Promise yourself a reward for completing each task or finishing the total job. For example let yourself watch an interesting movie when you finish developing page or new promotion plan.  http://infosdemocracy.com

Finding Your Ecommerce Cranny on the Web

Online or off, a time tested method of succeeding in business is to focus on an unexploited area. You are probably wondering how. Here is your answer.

Finding Your E-commerce Cranny

When we talk about a nook, we are simply identified a very focused area of business. There are a zillion sites selling movies, but very few selling French movies from the 1960s. If there is sufficient interest in such movies, you could build a business around selling such classic movies. This concept applies to any business area regardless of whether you are selling products or offering services.

You need to do some daydreaming. Most people make the mistake of focusing on a subject that they think will make a ton of money. Problems can occur with this approach because if you have no inherent interest in the area besides money, you will eventually grow disillusioned with it. If you are going to start a business, you want it be enjoyable. If it is just another job, you have made a bad mistake. This brings us back to daydreaming.

You need to give serious thought to your interests, and not just your interests today. What have you always been interested in? Don't worry about how you will make money, just focus on the subject matter. Remember the cliché – find something you love and the money will follow. This is exactly what you want to do. Once you have an idea, it is time to figure out how to make money off of it.

For a web business, you want to focus on something known as keyword research. Keyword research is crucial because you can type in a phrase and see the exact phrases people have used to search on Google, Yahoo and MSN that incorporate the world. Even better, you can see how many people use the phrase each day. Doing keyword research lets you determine if there is enough interest in your area and the exact phrases your prospects are using to find things in the area. It doesn't get much better than that!

There are a variety of tools you can use. Overture offers a free tool that will give you a general idea, but is not the most accurate. Wordtracker is much better, but will set you back a few bucks. Keyword Discovery is similar, but runs a few more dollars yet. Regardless of your choice, make sure to use one of these for keyword research.

Once you identify the phrases used by your prospects, you can determine if there is enough interest in your nook. You can also identify the exact phrases they are using and tailor your site and marketing to those phrases. http://Infosdemocracy.com