Acceleration Clause Allows the lender in a loan agreement to demand early payment (sometimes in full) for certain reasons, such as defaulting on the loan, destruction of property, or transfer of title.
Additional Principal Payment Extra money that is included in a monthly payment above what is necessary. It is applied to the outstanding balance and allows a debt to be paid off more quickly.
Adjusted Balance The remaining balance on a debt after payments have been subtracted from the original balance, not including interest or fees. A consumer-friendly practice, it allows the interest rate to be based on the adjusted amount instead of on the original amount.
Amortization Paying off debt gradually in partial payments rather than in one lump sum.
Annual Percentage Rate (APR) The cost of a loan expressed as a yearly rate. The monthly interest rate simply is the APR divided by 12. By law, creditors are obligated to reveal the APR.
Arrears The state of a payment that has not been made on time. Unpaid debts are said to accumulate as such.
Average Daily Balance The amount computed by determining how much is owed on a debt for an average day during a particular billing period. It is the method by which most credit card companies and banks determine due interest.
Bad Credit Describes the status of someone who is considered “high risk” for credit lenders. Variables which can lead to such a label include non-payments, late payments, overuse of credit, or filing bankruptcy.
Billing Cycle The amount of time between billing statement dates, usually about 25 days.
Buydown Lowering of the interest rate and/or monthly payments on debt due to a substantial additional payment while the debt is new. In other words, borrowers “buy” better rates.
Cash Advance Loan A loan that is granted to borrowers when a small amount of money is needed to cover funds until they receive their next paychecks. Once the paycheck is received, the cash advance loan must be repaid, often at a very high interest rate. Also known as a Payday Loan.
Charge-off When a debt is considered uncollectible and is removed from active accounts, and when the balance due is removed from the record of the creditor’s assets. Payment may be demanded in full or negotiated to a lesser amount, or the account may be sold to a collections agency.
Conditionalities Additional requirements or responsibilities relative to a loan or debt other than simple repayment.
Consumer Bankruptcy A legal debt relief option for those gravely in debt without other financial alternatives. A declaration that one cannot pay the debts for which he or she is liable, filing bankruptcy can discharge debts or reduce them within the context of a realistic payment plan.
Consolidation Combining multiple loans into a single loan, often at a lower interest rate and with smaller monthly payments.
Collateral Property of value (such as a house or car) that is used as security for the repayment of a loan. Should the borrower fail to pay, the lender may take and sell the property as payment.
Credit Funds provided from a lender to a borrower that must be repaid.
Credit Bureau An agency that records consumer credit history and provides credit reports and scores. The three main agencies are Experian, Equifax, and TransUnion.
Credit Counseling Professional advice given to consumers about financial planning, budget management, and methods of debt repayment. Also known as CCCA.
Credit Insurance A policy that protects the lender in the event that the borrower passes away, becomes unemployed, or becomes ill before the debt is fulfilled. Payment is made through the policy.
Credit Limit The maximum amount of money that one may charge on a credit card, or may take out in a loan.
Credit Line The total of revolving credit that may be borrowed partially or in full against an account. Once the debt is repaid, the borrower make use that credit again, and may do so as many times as he or she wishes.
Credit Report A document that records the credit history of a particular individual. Consumers have a report at each of the three main consumer credit agencies – Experian, Exuifax, and TransUnion. It may be examined by creditors to determine “credit worthiness”.
Credit Score A score between 300 and 900 that is determined by one’s credit history, and is a representation of one’s “credit worthiness”. It may be used by creditors to decide whether or not to extend credit, as well as what interest rate one may receive.
Creditor The person or company to which borrowers owe money for goods or services, or for repayment of a loan. One who extends credit; the lender in a loan situation.
Debt Money that is owed to a person or a business in exchange for goods or services, or for repayment of a loan.
Debt Consolidation Loan A loan obtained to pay off multiple other loans. Such loans tend to have lower interest rates, and also allow the borrower to make only one payment per month instead of many.
Debt Management Plan A method of debt relief that involves formulating payment plans with one’s creditors to pay down debts while sticking to a realistic budget. Credit counseling agencies often promote DMPs as the best alternative, and sometimes they are.
Debt Settlement A process of negotiating with creditors to accept payment that is less than the full amount of the debt owed. Funds accumulate in a special account until enough has been saved to pay off one creditor, and then the process repeats until the debts have been repaid.
Debtor A consumer who owes money to a creditor in exchange for goods or services, or for repayment of a loan.
Debt-to-income Ratio A comparison of monthly expenses to monthly earnings expressed as percentages.
Default Failure to pay as required by law or contract, such as in a mortgage or deed of trust agreement. Generally, a loan is considered in default if payment is 30 days past due, and collections actions may be initiated.
Delinquency Failure to make monthly payments on a debt on time.
Discharge A borrower is relieved of liability for repayment of debt. This usually is accomplished through filing bankruptcy.
Equity Usually defined as the difference between the market value of a piece of property and any debts against it, such as outstanding mortgages, claims, liens, rights or liabilities. Equity in a home rises as such debts decrease and/or as the value of the property increases.
Fair Credit Billing Act Federal law passed by Congress in 1975 to protect consumers from billing and computational errors. Additionally, it requires that payments be credited the day they are received. Consumers may sue if a creditor is in violation of the act.
Fair Credit Reporting Act Federal law passed by Congress in 1970 that regulates consumer credit reporting and disclosure of credit information. Among other protections, it gives consumers the right to view their credit reports once per year, and outlines methods to correct false information.
Fair Debt Collection Practices Act Federal law passed by Congress in 1977 that protects consumers against harassment or abuse from collections agencies.
Equal Credit Opportunity Act Federal law passed by Congress in 1974 that prohibits discrimination against credit applicants based on race, color, religion, national origin, sex, marital status, age, or public assistance.
Grace Period A period of time during which a payments on a debt are not yet due. A common example is the six to nine month grace period after college graduation for repayment of federal student loans.
Graduated Payment A type of loan repayment schedule in which payments start out small and increase gradually over time.
Gross Income Total earnings before any taxes, deductions, or expenses are taken out.
Interest Rate A fee charged for the use of credit expressed as a percentage of the debt. It is calculated for a certain period of time, often over a year.
Introductory Rate A low initial interest rate charged on credit that eventually rises once the specified introductory period is over. It is offered to attract new customers.
Liability Legal responsibility or obligation to something. Consumers who are in debt are liable for repayment.
Minimum Payment The smallest amount of money that one may pay on a debt in order to keep the account from going into default. Often it encompasses only the interest on a debt, so it may be impossible to pay off some debts by making only such payments.
National Foundation for Consumer Credit A national nonprofit agency whose members are cerfified, professional credit counselors. A reputable place to search for a counselor.
Negative Amortization The situation in which partial payments are made on in debt, but instead of lowering the debt gradually, it increases the debt gradually. This can occur if payments made do not cover the interest, which then is added to the balance over time.
Over-limit Fee A fee that is charged to credit borrowers who expand their balances past the allowable credit limits.
Payday Loan A loan that is granted to borrowers when a small amount of money is needed to cover funds until they receive their next paychecks. Once the paycheck is received, the cash advance loan must be repaid, often at a very high interest rate. Also known as a Cash Advance Loan.
Point-of-Sale The literal place and time at which a transaction or agreement takes place.
Power of Attorney Written documentation that authorizes a person to act on behalf of another person in certain specified situations, or in general.
Principal The amount of an original debt that has not yet been paid. It does not include interest, but rather is the balance on which interest is based.
Re-age The status of an account (current, delinquent, etc.) is updated to reflect the present situation.
Revolving Line of Credit A loan agreement in which a certain amount of money is able to be borrowed. As long as the loan is repaid, the borrower may obtain more money up to the limit of the agreement without having to apply for a new loan. Home equity lines of credit and credit cards utilize this method.
Secured Debt A debt that protects the lender from loss in the case of default by securing it with valuable property. If the debt is not repaid, the property legally may be taken and sold by the lender for payment. Mortgages are common examples.
Unsecured Debt A debt that is not secured against property. In the event that an account goes into default, there is no property that automatically can be taken in order to cover the lender’s costs. Credit cards are common examples.
Wraparound An old loan is combined with a new loan, which results in an interest rate somewhere between the individual interest rates.
Please visit my other blog: Commercial Blog. I'll wait for you there and If you have many times, feel free to visit this blog also: Freebies Hunter
Maybe for those who have participated in many contest will says WTF with that contest. The prize is just 2200EC? Is the man who made the contest known how the value of 2200EC is? That amount of EC as the prize is just $4.1. But hey, wait a minute before you keep arguing with your opinion about the prize. Let me explain it to you why am I interested to participate in the contest.
First of all, the contest is just for three days. That’s a great and revolutionary concept of contest. As you already know, even the prize is Hughes, many contests are held with a long time periods. We need to waiting about one until three months long to find out who’ll be the winner of the contest.
The second reason, the contest is simple. Not like as many other contest with many prize that suggested us to do many contract, this contest is just suggest us to write about the contest on our blog, leave a comment on the contest post and write a reason why we should win and what’s our plan with the prize. That’s a simple rule for a contest guys…
That’s all. Simple contest isn’t it?
Now as I mentioned in the second reason why I participate in the contest, let me explain to all of you why I need the prize. OK. For your information, I’ve currently 3000EC in my account and I need 2000EC more. What for? I need 5000EC. I’ll sell it for $2/1K EC and buy a domain name. Yes… I want to have a domain name for this blog. This is a main reason why I should win this contest.
I hope to have a good luck with this contest and thanks for Bloggers Search who make this simple contest :)
Please visit my other blog: Commercial Blog. I'll wait for you there and If you have many times, feel free to visit this blog also: Freebies Hunter
Every morning as people wake up and make the commute to work, many dream of the day when they will finally work for themselves. Every time the boss lets someone know that they must give up their weekend plans for the good of the company, people contemplate the benefits of being the owner of their own business.
Are you one of these people?
If you are, it is important to ask yourself some very important questions before you make the uncertain leap into self-employment.
Many dream of the benefits of home business ownership, but few take into account the sacrifices that must be made to bring the dream to fruition. Please don't make this mistake yourself.
You must approach home business ownership with your eyes wide open. Ask yourself the important questions, and more importantly, answer your own questions openly and honestly.
AN IMPORTANT CONSIDERATION
Are you the type of person who relishes every chance to gather around the water cooler for social interaction?
If so, then home business ownership may not be the right decision for you.
Instead, if you feel that you can be quite content sitting alone at your desk; speaking only to clients and really minding your own home business, then you might have what it takes to succeed as a home business entrepreneur.
If you feel at ease with your own company and don't need a dozen coworkers milling around your desk, then you, too, could savor the freedoms that will allow you and your family, to live the lifestyle you know you want and deserve.
THE KEY TO HOME BUSINESS SUCCESS
Self-motivation is the key to success when you start a home-based business. You need to possess the ability to push yourself ahead. Your drive and determination will be reinforced with every new sale.
The level of success that you will achieve greatly depends on the time and effort you are willing to plow into your new home business. Your organization, planning and marketing skills, will all be put into practice when you embark on your liberating journey from employee, to being your own boss. In fact, you will be the wearer of many hats and gain a wealth of business experience along the way, when you finally make that commitment to work at home.
YOUR SUCCESS RESTS ENTIRELY UPON YOUR OWN SHOULDERS
You will now be the boss. Are you truly able to work independently? Do you have the drive; the tenacity, to persevere with your home based business? Will you be able to invest the necessary time to nurture it, to watch it grow and see it through, from germination to full, glorious bloom? When you're the boss, you are responsible for the success of your home business, from A to Z, from disappointments to victory.
When you work at home, it will empower you to achieve many things you were unable to do when you were stuck working for that tyrant boss. Remember him? He's the guy that wouldn't let you take time off when your baby was sick...the same guy that called you in to work on Thanksgiving Day.
A home business means that you can take good care of your family and make money from home, simultaneously. You will have the best of both worlds! Just think--no more dirty laundry piling up--you can do it while you work. No more scurrying around at the last minute searching for a babysitter either. And no more worrying about getting fired; you'll be the boss!
IN CONCLUSION...
Stay positive and focused on your home based business, even if, when sales aren't up to par, you get occasional negative remarks or derogatory comments from people with stuffy, dead-end jobs. Ignore their cutting words and bear in mind that success is the best revenge! Keep your admirable, positive attitude at the forefront and show them what you're made of!
Please visit my other blog: Commercial Blog. I'll wait for you there and If you have many times, feel free to visit this blog also: Freebies Hunter
It has come to my attention that people are being mislead about marketing online. I don't care how many times you hear it's a numbers game, just don't believe it. Only heavy hitters tell you this is the only way you can succeed online. This is just not true when you are recruiting to build a solid team of representatives under you. If you want to be part of the 5% that do succeed in an online marketing business, then you must build relationships.
A network of people under you that you work with and mentor as a team player. These people will trust you, and know that you really care if they succeed or not. They will also treat you the same. There are just to many places online that you can do this. Forums about or associated with whatever you are selling. AdlandPro is a great community to make friends at. Whatever you are doing online, if it concerns marketing then you need a solid team behind you. It is the only true way you can and will succeed online. Think about this a moment. If you didn't trust EasyHits4u to help you advertise, and provide a way for you to do so, would you be there. Then think about how you may have learned about the program. Nine times out of ten it was a friend or someone you trust that referred you.
Do you see what I mean? Stop recruiting and stop selling. Get busy building yourself a family, your team.
Please visit my other blog: Commercial Blog. I'll wait for you there and If you have many times, feel free to visit this blog also: Freebies Hunter
Link2Me Link Exchange Directory - The Best Link Exchange for SEO Professionals
Quality directory of webmasters actively seeking link exchange. Improve your search engine rankings and link popularity the easy way. Work clever not hard.
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Internet home based business offers legitimate work at home business opportunities. Access the resources needed to start a successful internet home based business.
Webdirectorylinks Bidding Directory
Webdirectorylinks is a human edited bidding directory, that helps you to promote youre site & increase traffic . We offer permanent listings and cheap backlinks for a $. Before you submit youre website please read TOS.
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Get updated news & articles on debt free.
Chime Cottage Music - specialist online CD shop.
Online CD/MP3 shop for progressive rock, synth rock, electronica, ambient and New Age sounds.
Discount Mens Jewelry, Mens Rings, Gifts For Him, Mens Bracelets
Shop for great jewelry and gifts for men, including stainless rings, earrings, bracelets, and pendants, at incredibly low prices with free shipment.
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Tired of business opportunities that do not deliver what they promise? We have reviewed the top selling programs on the Internet today. Below you will find reviews of the top 3 opportunities that actually work.
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Your Best Way For Investment in Forex (foreign exchange) Market with Highest Profit , Best Performance and Low Risk with many Payment Methods.
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Physiotherapy website design by Physio123
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Pharmaceutical databases online, over 100,000 approved prescription drugs, OTC drugs and health products. Include medications, nutritions, supplements, veterinary products, pet meds, cosmetics, drugs active ingredients, pharmaceutical companies
Build a Website and Online Business Ebook
Build a Website and Online Business Ebook only $27. 2nd Reprint Printed Books.
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We deliver alcohol, beer & other liquor to Newmarket, Aurora, Bradford, Queensville, Gwillimbury & Holland Landing.
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Dapatkan majalah gratis dari luar negeri untuk berbagai disiplin ilmu. Jika anda memenuhi kualifikasi, maka majalah gratis ini akan anda terima langsung di alamat rumah anda untuk edisi cetak atau anda terima langsung di alamat email anda untuk edisi cetak majalahgratis.adiksi.com
Mothers Day Gift Ideas, Birthday Presents, Valentines Gifts
All the latest news on Cocoons great birthday, Christmas, Valentines, Mothers and Fathers Day gifts ideas
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Guys... I bet all of you agree that everybody love freebies or free offers. Do you want to make money by promoting free offers? Nope the offers are not a cheapest one but it's a great and useful free offers. You will have a good reputable and respect with your blog visitors/readers if you offer tons of free publications that you can find there. So far, I have a good and faithful feeling about this affiliate programs.
As you know, many publisher or money maker is failed with their way joining many affiliates programs. Why??? It's because they aren't offering what the visitors want or like to have. If you’re looking for a way to create an additional stream of income through the business you already have, then offering an information product may be the answer.
RevResponse is what I'm talking about on this post. RevResponse is an affiliate programs that offers you as a publisher to promote free publications. Many different categories of free publications you can offers with RevResponse. All professional will love to take these free offers because they can find much good and hot information from the free publications that we promote.
RevResponse will pays you between $1.5 until $20 per approved subscriber that qualified to get the free publications that they subscribe to. This is a great opportunity to all of blogger. Beside we can make some money promoting the free publications, we can also have a new idea about what post we should make in order to regularly update our blog using the free publications.
So what are you waiting for? Join RevResponse to maximize your potential value and earn much money promoting free publications.
Please visit my other blog: Commercial Blog. I'll wait for you there and If you have many times, feel free to visit this blog also: Freebies Hunter
Busby Seo Test
I was attempting to explain what a Traffic Exchange is to one of my colleagues the other day because we were talking about books. I told him that I had recently written an audio e-book about the Traffic Exchange Industry.
Of course he said "what's that?" Whammo, just like that I had his interest and was preparing to educate a new convert. My associates who is a smart guy informed me that Traffic Exchange does not exist in the dictionary, that point got me thinking.
After our conversation and my webucation of a new Traffic Exchange advocate I cracked open my trusty Webster’s dictionary, I also did a search online of course. Do you know what I found out? He was right.
The closest thing to Traffic Exchange in the dictionary online or off was traffic engineering which is not really close to what we are talking about.
How can an industry exist when it is not even defined? No matter if you are a Traffic Exchange enthusiast, owner Or just an occasional exchanger (surfer). I plea to you to get behind me in defining what we do.
Here is my proposed definition of
Traffic Exchange: a medium of exchanging a website view on the internet with some one else.
Also, here is my proposed definition of
Traffic Exchange Industry: the business of exchanging website views online from one person to another. Share it please:
Please visit my other blog: Commercial Blog. I'll wait for you there and If you have many times, feel free to visit this blog also: Freebies Hunter
(Short Shots On Living An Exceptional Life)
In my opinion, these things matter...
1. Listening enough to care and caring enough to listen.
2. Being a dreamer but not living in a dream world.
3. Saying "It doesn't matter" and meaning it.
4. Being a positive influence in any way possible, to as many as possible, for as long as I possibly can.
5. Balancing justice with mercy and fairness with common sense.
6. Being patient and patiently enduring.
7. Earning credibility instead of demanding compliance.
8. Valuing the wisdom of discernment, the danger of pleasure without restraint, and the joy of victory with integrity.
9. Being worthy of trust and trusting what's worthwhile.
10. Enjoying all things small and beautiful.
11. Words that heal.
12. Words that help.
13. And words that encourage.
14. Forgiving myself for what I've done and others for what they haven't.
15. Gaining what I desire without losing what I should gain.
16. Maintaining the passion of purpose while avoiding the pitfalls of making hasty decisions with little or no discernment.
17. Watching "You've Got Mail" one more time.
18. Enjoying life for all it holds instead of holding out for all it has yet to become.
19. Giving praise without demands and encouragement without expectations.
20. Hugs.
21. Healing wounds.
22. And helping people realize their dreams.
23. Knowing when I can, can't and shouldn't.
24. Laughter for the sake of laughter!
25. Leading while not forgetting how to follow.
26. Honoring the honorable and avoiding the painful errors of the disgraceful.
27. Knowing the power of commitment, the rewards of self- discipline and the meaning of faith in myself, God and others.
28. Smiles — lots of them.
29. Learning as much as I can for as long as I can.
30. Standing for what's right when everything's wrong, and saying "I'm wrong" when something's not right.
31. Letting the music play.
32. Knowing I can and seeking help when I can't.
33. Just doing nothing at just the right time.
34. Filling my mind with all that is excellent, truthful, full of hope, and worthy of thinking about again.
35. Kisses that say "I love you" more than "I need you."
36. Treasuring ideas for their untapped potential.
37. Caring.
38. Giving.
39. And having fun.
40. Refusing to believe lies about myself or others regardless of the source — including what I hear from within.
41. Trusting enough to see good in people without blindly trusting in the goodness of all people.
42. Success without self-absorption.
43. Showing I know the difference between keeping the rules and listening with understanding.
44. Winning with dignity.
45. Losing with grace.
46. And learning from both.
47. Believing in all my possibilities — and yours too!
48. Appreciating the wisdom of maturity and the beauty of childhood.
49. Avoiding the bondage of bitterness, the deceit of wealth without character, and the vanity of pride without gratefulness.
50. Loving for all I'm worth because in the end it's worth it all.
Yours for a day filled with beautiful moments in time.
by Lee Wise
http://www.motivation-for-daily-living.net/
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Well don’t worry, we have all been there. I doubt there is a single network marketer or homeworker out there who hasn’t at some point in their career fallen for an envelope stuffing scheme, been talked into selling potions and pills, tried chain letters etc. But the important thing is to learn from your mistakes and take something from every experience.
My first venture into working from home came when I answered an advert in a local paper which stated I could be earning £2000 a week part time, all I had to do was call. So I did and ended up trailing along to a meeting about how much money one could make from selling herbal diet supplements and how easy it all was. So I signed up and paid the £200 for the starter pack. Full of enthusiasm I started my 68 year old gran off on the diet. Well the first week she lost a few pounds and all was going well. I paid out another £100 to have a load of leaflets printed and spent hours putting these on car windscreens. By the second week, gran had given up on the diet as the stuff �tasted funny’ and she was bored with a milkshake three times a day!
Then I decided to try selling the products via the internet. It was a slow process but I taught myself html coding and built my first website. Then came the hard task of trying to market my site and get people to visit it. This is when I discovered that you could apparently make thousands very easily and with no effort online, simply by signing up for a website and placing a few free classifieds. So I joined every �next big thing’, every site promoting untold riches, only to find that the program disappeared after a few weeks, along with my money. But along the way I learnt what I should look for in an online business, the best ways to market online and my web design skills improved drastically. At times I became very disillusioned and felt like giving up when yet another program folded, or sponsor failed to get in touch and offer support but I learned valuable lessons. And after one such online opportunity disappeared and having convinced a number of people to join me in this, I thought enough was enough and started my own online program. Even that involved a steep learning curve, the site had to be revamped numerous times, parts of the program changed but I put the knowledge I gained from being a ‘newbie’ into building a good stable program. People need support, they want to see proper products and a realistic and achievable pay plan.
So don’t give up, from every bad experience you will learn something, be it a new skill, what to avoid next time, what advertising works or doesn’t and so on. Like life home based business, especially on the internet, is a learning experience which you must embrace.
by Rachel Gawith Author's site
Please visit my other blog: Commercial Blog. I'll wait for you there and If you have many times, feel free to visit this blog also: Freebies Hunter
If you’re looking for a way to create an additional stream of income through the business
you already have, then creating an information product may be the answer.
No matter what type of business you own, there’s always an opportunity to create an added flow of income. Whether you promote affiliate programs, take part in Google Adsense, or market to your mailing list - these are all great and easy ways to bring in some extra money.
However, there’s nothing better than an information product when it comes to taking your business to the next level. Here’s why:
1. An information product can establish you as an expert in your field, and your readers will continually come to you for answers.
2. It builds credibility because you have proven yourself to your readers, and they know that they can trust you when it comes to matters within your niche.
3. Your product will turn into a passive source of income. Yes, it will take work on your part, but the beauty of information products is that you only have to do the work once and you can make money over and over again.
4. You can promote your main business. By placing your website address inside your information product, readers can click the links to learn more about you and possibly buy other items.
5. Make money on top of money. When you create an information product, you will likely find a need to mention other products, programs, etc., that your readers will find helpful. By signing up as an affiliate for the products and programs that you mention
throughout your info product, you can earn an extra income from the commission. So every time someone clicks your affiliate link and buys the item you mentioned, you just earned money on top of the money you earned selling your information product.
6. Even more money and traffic! If you have set up an affiliate program, then others will be sending you traffic and gaining you sales in exchange for a commission.
Information products have exploded across the Internet and people from all walks of life
are partaking in this lucrative, online industry. A quick Google search brings up an astounding 1,460,000,000 listings for the term “information products,” but does that mean there can’t possibly be room for one more product?
Of course not! Surprisingly enough, new information products are sprouting up every day and many of their creators are earning a nice side income, while others are rapidly building up an information product empire.
Keep in mind that millions of people log onto the Internet every day because they are searching for information, and chances are, there will be people willing to pay for what you know.
This Post is taken from Ewen Chia Free Report
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Algorithm: Rules which a search engine uses to rank listings in its index. Algorithms are kept secret by search engines to protect themselves from people who want to gain an unfair advantage in ranking. Search engine algorithms evolve constantly and especially Google is knows to regularly roll out significant algorithm changes that can temporarily or permanently impact on a site’s search engine ranking.
Backlinks: Also see Inbound Links. Incoming links to a website, which are used as a kind of voting system by search engine algorithms to determine the importance and relevance of a website. More backlinks are better than fewer backlinks, but the quality of backlinks (i.e., how important is the site the link originates on) has more influence on rankings than the number of backlinks.
Click-Through-Rate (CTR): The number of clicks on a link compared to the number of people who see the link. A measure to assess the effectiveness of online marketing like banner advertising, emails or search advertising. Example: A newsletter is viewed by 100 people, and 8 of them click on links contained in the newsletter. This equates to a click-through-rate of 8%.
Conversion Rate: The number of positive outcomes (such as sales) a site receives divided by the amount of visitors to a site, expressed as a percentage value. Example: A website gets 200 visits per day and generates 4 paid sales, resulting in a daily conversion rate of 2%.
Cost Per Click (CPC): An agreed fee paid by the advertiser to the site which displays their link, for each click someone makes on the link leading to their website.
Crawler: Also known as a spider or robot, a program which automatically fetches web pages and adds them to a search engine’s index.
Directory: A type of search engine where humans are responsible for the review of websites, rather than by automated crawling of the web. Websites are usually reviewed, summarized and placed in an appropriate category. DMOZ is an example of a major directory and Complete Online Directory is an example of a general smaller directory.
Doorway Page: A web page which itself does not deliver much information to those viewing it, but rather aims to rank well for a specific term and often for a certain search engine. A website may have several door pages created for different search terms and search engines with all of them linking to the same end page. Most search engines have guidelines against doorway pages as they are seen as a form of SPAM.
Geo-Targeting: Also called geographical targeting. A term mainly used in paid search advertising where it describes advertising being displayed only to users from a chosen geographical region (country, state, zip code, radius). Geo-targeting aims to increase the relevance and thus effectiveness of advertising (as measured for example in click-through or conversion rates).
Google Maps: Google Maps is a free online map service. It offers a draggable map of the entire world and is a business locator for the U.S, Germany, Australia, Canada, China, Spain, France, Italy, Japan, Netherlands and UK.
Google PIN: A unique number made up of 5 digits that is used to activate your business listing in Google Maps. View an example.
Hit: A request for a file located on a web server. Since a web page can contain many different elements, e.g. graphic images, many hits can be recorded when a user visits a single page. For example, a HTLM page containing five images would record six hits – five individual hits for the five images and one for the HTML file.
Inbound Links: A website contains inbound links if other websites link to it. Inbound links are highly considered by search engines, such as Google, when determining ranking for a particular web page.
Keywords: See Search Terms.
Landing Page: The page that a visitor arrives on after clicking on an online advertising link (for example a link in a newsletter, a pay-per-click ad or an organic search engine listing). Landing pages are critical in determining conversion or interaction success, and online marketers invest a lot of effort in optimizing the various elements of a landing page (calls to action, content, navigation, graphic design) to achieve the best possible conversion rate. A landing page should always be relevant to the message a visitor saw when clicking on a link. For example, an advertisement stating “Submit your URL to search engines now!” should direct to a landing page about search engine submission and not contain any off-topic content.
Link Popularity: Link popularity is one of the most important factors in getting a good ranking for a website and it is derived from the number of inbound links to your website. It is important to mention that search engines do not only take the number of inbound links into account when assigning the ranking to a website. The relevancy of those inbound links also needs to be considered, meaning that the links should come from websites that deal with topics related to your own.
Listings: Listings are the results that a search engine returns for a particular search term.
Local Search Engines: A term given to search engines that display businesses based on search terms and location. Examples of local search engines include Google Local and Yahoo! Local.
Local Search Listing: An enhanced business listing that is submitted to 35 local search engines including Google Local and Yahoo! Local. A Local Search Listing also includes an Online Local Profile.
Meta Tags: Meta tags are bits of text which are placed within the HTML code, but are not displayed on the website. Search engines use these tags for the sole purpose of indexing and cataloging your website.
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Meta Description Tag: The description meta tag is a general description of what is contained in your web page. Some search engines (not all) display the content of the description tag below your title in the list of results.
Meta Keywords Tag: The keyword meta tag was designed to help search engines understand the relevance between a website and the search terms people use in order to find it.
Meta Title Tag: The title meta tag is critical for search engine optimization since content contained in title tags is not only assessed for ranking, but can also be displayed as hyperlinked text on search engine results pages and appears in the title bar of web browsers.
Natural Search Engine Optimization: Also called “organic search engine optimization” or simply “search engine optimization”. Any techniques used to improve the ranking of a web page within the main search engine results. Natural search engine optimization includes techniques that comply with search engine guidelines as well as techniques deemed to be unacceptable by search engines (also called search engine spamming or black hat SEO). Using black hat SEO techniques is highly risky and not recommended as it can lead to web pages being banned from search engine results.
Online Local Profile: A detailed business profile with a unique URL you can provide to your customers. You get complete control of your Online Local Profile and can populate it the way you like. The best thing is you don't need a website to get started!
Optimization Services: A summary term for a wide range of search engine optimization services offered by search engine optimization companies. Services can include, but are not limited to, keyword research, review and improvement of meta data, copywriting, backlink building, sitemap design, consultation on site design and navigation, and search engine submission.
Organic Results / Listings: Organic listings are the natural listings returned on the Search Engine Results Pages (SERPs), which are ranked on relevancy to a search term.
Outbound Links: Links on a particular web page leading to other web pages. These links can be links to other websites or links within a same website.
Paid Inclusion: Paid inclusion is a submission service where you pay a fee to a search engine and the search engine guarantees that your website will be included in its index. Paid inclusion programs will also ensure that your website is indexed very fast and crawled on regular basis.
The best known paid inclusion service is Yahoo! Search Submit Basic.
PPC (a.k.a. Pay-For-Performance): Stands for Pay-Per-Click and is the type of program where you bid on keywords for your site to be displayed in sponsored ads/links area when a user searches upon certain keywords. URLs with a higher bid will be displayed in a more prominent position.
Rank: Rank is a certain position where your website gets displayed in search engine results for a particular search term. As a rule of thumb, the higher a web page ranks in search engine results, the more search engine users it gets exposed to and the more people will click on the result.
Results Page: When a user conducts a search, the page that is displayed, is called the results page. Sometimes it may be called SERPs, which stands for "search engine results page."
Source: Webmaster World Forums
Return on Investment (ROI): A measure of the amount of money lost or earned on an investment compared to the amount of money invested. Normally expressed as a percentage. Example: If you spend $1,000 on a pay-per-click campaign and generate $1,450 in revenue from this campaign, your ROI would be 45%.
Robot: see Crawler.
Robots.txt: A file used to keep certain web pages from being indexed by search engines.
Search Engine: A search engine is best described as a database of websites users can search using search terms. Every search engine has its own algorithm which defines how the results are displayed. The aim is to display the most relevant pages for a given search term at the top of the search results.
Search Engine Marketing (SEM): The act of marketing a website via search engines, whether this be improving rank in organic listings, purchasing paid listings or a combination of these and other search engine-related activities. Source: SEMPO
Search Engine Optimization (SEO): Search engine optimization is both a science and an art ensuring that a website appears higher on a search engine results page for relevant search terms. This is achieved by altering a number of factors both on and off the page to take advantage of the way that a search engine works.
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Search Engine Spamming: The attempt to achieve high search engine rankings through organic search engine optimization methods that are in breach of best practice optimization guidelines as laid out by the search engines’ webmaster guidelines or that are regarded as detrimental to the search engines’ efforts to deliver relevant and high quality search results.
Search Terms: The words or phrases used by people when performing searches in search engines. Also called keywords, query terms or query.
SEMPO: Search Engine Marketing Professional Organization. SEMPO is a not-for-profit professional association of the search engine marketing industry that aims to increase the awareness and promote the value of search engine marketing worldwide. ineedhits is a SEMPO member.
SERPs: Short for “search engine results pages”.
Spider: See Crawler.
Submission: Submission is the process of submitting URL(s) to search engines. It is important to note that unless you purchase paid inclusion, submission does not guarantee that your URL will be included in a search engine’s index.
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Traffic: The number of visits to a website. Normally counts the number of unique visitors to a website within a specified time period.
Trusted Feed: Trusted feed is a form of paid inclusion which uses bulk a XML feed to directly send website content to search engines for indexing. The feed can be optimized so that your website can take advantage better rankings and therefore more traffic. The popular choice for trusted feed service is Search Submit Pro.
Unique Visitor: A single individual visiting a website. If the same person visits a website more than once within a specified time period, he/she will still only be counted as one unique visitor.
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