Monday, 31 December 2012

Steps To Make Certain Your Health Insurance Matches Your Needs ...

Posted by fbl95 on Dec 31, 2012 in Uncategorized | 0 comments

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Source: http://s-u-a-v-e.com/steps-to-make-certain-your-health-insurance-matches-your-needs.html

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New Mexico resident fights Army Corps over arroyo cleanup

SANTA FE, N.M. ? Peter Smith steered his silver Chevy TrailBlazer down a rough dirt road, rolling to a stop at the edge of a dry, sandy wash called the Gallina Arroyo. "Here's the scene of the crime," he said.

Two years ago, Smith cleaned out and graded a few hundred yards of the arroyo that winds through the 20-acre tract he and his wife, Francoise, own in the hills south of Santa Fe, not suspecting that he might be committing a federal offense.

But in June 2011, the U.S. Army Corps of Engineers sent a letter informing him that by failing to obtain a permit before blading the bed of the arroyo with his tractor, he had violated the Clean Water Act. The corps issued a warning but did not impose fines or penalties.

Although the arroyo only runs a few times a year, it is considered, in the formal language of the Clean Water Act, a "water of the United States" because it ultimately drains into the Rio Grande, about 25 miles away, the corps ruled.

Now, with the help of a libertarian-leaning legal nonprofit group from California that opposes what it views as government encroachment on individual liberties, the Smiths have sued, seeking to limit the agency's regulatory powers.

"We hope to get them off of the Smiths' property," says Jennifer Fry, an attorney with the Sacramento-based Pacific Legal Foundation. "We think it's a good vehicle for cutting back on the corps' jurisdiction."

If the case is decided in Smith's favor by the 10th U.S. Circuit Court of Appeals, it would set a precedent, building on another clean-water regulatory case decided by the U.S. Supreme Court last March, Fry said. In that case, the court ruled that an Idaho couple could sue the Environmental Protection Agency over the agency's finding that they improperly filled in a wetland on their property.

Kristen Skopeck, public affairs chief for the corps' Albuquerque District, said she could not comment on the Smith case because of the pending litigation.

The Clean Water Act, passed in 1972, bars the discharge of pollutants into "navigable waters." Since then, courts have ruled that the act also may cover tributaries draining into larger bodies of water ? even so-called ephemeral streams like desert arroyos.

In its letter to Smith, the corps said that sediment from his stretch of the arroyo could have a negative effect on the river, home to the endangered Rio Grande silvery minnow. Removal of vegetation might also increase concentrations of toxic nitrates from fertilizers, the agency found.

Smith, 65, a surveyor, grew up in Vancouver, Canada, before moving to the Southwest. He and his French-born wife built their retirement home on a secluded site nestled amid stands of juniper and pi?on trees.

A bark beetle infestation killed hundreds of the pi?ons, so Smith decided to cut and chip them to reduce fire danger. He also cleared trash that had been dumped in the arroyo ? including old sofas and car seats.

Smith also removed the brush that was growing there and smoothed out 2- to 3-foot-deep eroded channels so he could maneuver his equipment.

The corps decided to investigate when a neighbor complained, he said.

"I'm worried about cleaning up the property," Smith said. "I want to make it look good. I never thought the federal government would come into my retirement like this."

After receiving the letter, Smith researched the issue online and even enrolled in a legal course at a local college before learning of the Pacific Legal Foundation, which agreed to handle his case free.

"I'm just waiting for the thing to be decided," he said. "If I'm not too old and frail, I'll get back to work."

national@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/SzuBkE7cBRU/la-na-water-dispute-20121230,0,5118764.story

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Iran: Khamenei Page Prompts Calls For Iran To Unblock Facebook

By Golnaz Esfandiari for RFE/RL

Thanks to a Facebook page in the name of Ayatollah Ali Khamenei, supporters and opponents of Iran?s supreme leader now agree on one thing: Iran should free up access to the social-networking site.

?Khorasan? last week published an opinion piece titled ?Why Don?t They Unblock Facebook?? in which the conservative daily?s editor in chief praised Khamenei?s debut on that network earlier this month.

Calling it a ?wise and smart? move by Khamenei?s office, which is believed to be behind the initiative, Mohammad Saeed Ahadian said the page was cause for Iranian officials to seriously reconsider which websites they block. He said that while exceptions should be made for sites like Facebook, which the op-ed argues could be a valuable networking tool, Iranians should be completely and permanently denied access to ?immoral? sites.

Iran

Iran

?It is illogical not to use the very suitable [platform] of the social-networking site with hundreds of millions of users to spread the profound, intelligent, and effective views of [Khamenei], and to close the door to tens of millions of people outside the country,? Ahadian wrote.

A similar argument was made within days by former Vice President Mohammad Ali Abtahi, who was jailed amid the unrest that followed Iran?s contentious 2009 presidential election.

?Western Tool?

Abtahi, an active Facebook user, said Khamenei?s Facebook presence should be welcomed. He praised it as a demonstration of the leader?s will to keep up with the modern world.

Writing on his popular blog, Abtahi said that Khamenei?s Facebook page can facilitate communication between the supreme leader and Iranians inside and outside the country, and necessitates halting any efforts to obstruct it.

That people inside Iran have to resort to antifiltering software in order to connect with Iran?s highest authority via the Internet, Abtahi writes, ?is an insult to [Khamenei] and the Iranian people.?

Similar calls have been made on Khamenei?s Facebook page itself, which since its launch on December 13 has been ?liked? by more than 20,000 people.

Khamenei supporters suggested that, if the supreme leader is on Facebook, perhaps the Iranian state should not block it. Opponents, meanwhile, argued that the Iranian establishment no longer has an excuse to filter Facebook.

?Isn?t Facebook an evil Western tool? How come Khamenei has joined it? Is he going to be arrested?? one user writes, referring the effort to counter weapons Tehran claims its enemies use in the ?soft war? being waged against the Islamic republic.

Question Of Authenticity

As recently as December 25, Iran?s Secretary of the Supreme Council of Cyberspace Mehdi Akhavan Behabadi said the authorities had no plans to unblock Facebook.

Behabadi also said Khamenei?s office had issued no statements confirming the leader?s presence on Facebook. He has suggested the page is a spontaneous move by Khamenei?s fans.

Iran observers have argued that because the link to the Facebook page and its contents were first posted on Khamenei?s Twitter account, there is little room for doubt about its authenticity.

Adding to the confusion regarding the origin and authenticity of the supreme leader?s purported social-media initiatives, Khamenei?s office has never either denied or confirmed his Facebook, Twitter, or Instagram accounts.

Facebook user Abtahi writes that, according to his investigations, Khamenei?s office is behind his Facebook page. And in his opinion piece, ?Khorasan? editor Ahadian clearly is of the view that the Facebook page was launched by the office in charge of disseminating Khamenei?s views.

Mahmood Enayat, director of the Iran Media program at the University of Pennsylvania, tells RFE/RL that the supreme leader?s image in the media is so carefully controlled that it is highly unlikely his office would allow a false Khamenei Facebook page to exist.

Deemed ?Permissible?

But Enayat does not believe the page?s existence will prompt the authorities to unblock Iranians? access to the social-networking site, which is highly popular in the country. ?The calls for the unfiltering of Facebook are likely to die out,? he says. ?The only time Iran could perhaps unblock Facebook would be around next year?s presidential vote. We have to wait and see.?

Iran restored access to Facebook a few months ahead of the 2009 presidential vote, apparently in an attempt to create a sense of freedom and win the support of young voters. But shortly afterward, amid increased use of the social-networking site by supporters of opposition candidate Mir Hossein Musavi, the site was again blocked.

Since then, many Iranians have relied on antifiltering software to gain access to Facebook.

When asked in 2011 by one of his followers about the use of Facebook, Khamenei responded that as long as it was not aimed at damaging the Islamic republic and Islam, it was fine.

?In general if it requires engaging in [immorality and evil acts] (such as spreading corruption, lies, and false materials) or if there is concern that it is sinful, or it strengthens the enemies of Islam and Muslims, it is not permissible. Otherwise it?s fine,? Khamenei wrote in a statement posted on Iranian news websites.

By launching a Facebook page for Khamenei, the Iranian establishment has essentially acknowledged the popularity of the social-networking site, which is effectively being used by opposition members to spread news and information about human rights abuses in the Islamic republic.

In the early days of its launch, Khamenei?s Facebook page became a platform for criticism of his policies. Many of the negative comments and criticism have since been removed by the page?s administrators.

About the author:

RFE RL

RFE/RL journalists report the news in 21 countries where a free press is banned by the government or not fully established.

Source: http://feedproxy.google.com/~r/eurasiareview/VsnE/~3/h3JYI3f0F6c/

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Deal of the Day: Teton Springs, ID Custom Golf Home Reduced by $1 Million

Deal of the Day: Teton Springs, ID Custom Golf Home Reduced by $1 Million

Teton1Teton Springs, UT motivated sellers reduce price by $1 million.

This custom home overlooking Teton Springs 18th green from the back deck and overlooking the driving range from the front is a must see.? 5 bedrooms, large kitchen, office, sauna, family room and three car attached garage.

Teton2Quality building and exquisite detail.? Now only $1,289,000 which is over a million dollars off original list price. Send me more information about Teton Springs!

Source: http://golfcoursehome.typepad.com/weblog/2012/12/deal-of-the-day-teton-springs-id-custom-golf-home-reduced-by-1-million.html

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Self Esteem: Self Help Programs

The awareness of self esteem and self esteem self help programs is increasing. These self help programs have proven to improve self esteem and there a range that are created for different lifestyles. However, before getting these programs you must understand your own self confidence level.

Self esteem is your strength in facing problems or situations and learning how to handle difficult situations can give you strength to face your daily challenges. If you don't know how to measure your self esteem, try to write down everything you do well. Look at your strengths everyday to remind yourself that you have all these traits and no one can take these from you. If you like to improve your strengths then proceed to getting one of the self esteem self help programs.

What Self Esteem Self Help Program is Right for You?

Here are some questions you can ask yourself to assess what course is most appropriate for you:

? Do you prefer to do practical self-esteem exercises?

? Do you like writing exercises?

? Do you want to build self esteem while you are doing your daily routine?

Practical Self Esteem Self Help Course

This course will give you exercises to build your self esteem like acting, singing, dancing, public speaking and etc. in front of other people. This way, you will be confident in front of other people in whatever situations you are in.

Building Self Esteem through Writing

There are toolkits for self esteem improvement that require writing. The toolkit consists of self help book, questionnaires and answer sheets which you need to wholeheartedly answer the questions right after you finish each chapter of the book.

Self Esteem Self Help Exercise while Doing Your Daily Routine

This self help program requires you to download subliminal software. The subliminal tool is composed of subliminal messages which you need to listen to everyday. These subliminal messages contain positive affirmations. The subliminals are in a form of hypnosis but it will not put you in a trance so you could listen to it anytime and everywhere.

When you repetitively listen to subliminal messages, they will be programmed to your subconscious mind to motivate you to level up your self worth. Your conscious mind may not hear any positive affirmations because the messages target your subconscious mind. The positive affirmations are delivered beneath the peaceful and calming sound of ocean waves. The great part of this is that when you listen to the messages you can still do your daily routine, undisturbed. This is the most popular self esteem self help program today.

Find out how Self Esteem Self Help Programs can assist you in finding harmony in your life, be more alert and develop a strong sense of self belief will help you in so many other areas of your life at Clear Away Stress Now.

Source: http://articles.submityourarticle.com/self-esteem-self-help-programs-304330

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Saturday, 29 December 2012

Costs For Marketing Mobile Apps Spiked Last Month Even As Downloads Temporarily Dropped

fiksu-costsAs app developers geared up for the super-competitive Christmas season, marketing costs rose by 30 percent in November from the month before, according to Fiksu, a Boston-based company that helps publishers find the most efficient marketing channels. The company said that the cost of getting a “loyal” user, or one that opens an app more than three times, rose to $1.38 from $1.06 in October. That reversed a four-month trend that saw marketing costs decline going into October’s launch of the iPhone 5. Fiksu said the average number of downloads for the top 200 free iPhone apps in the U.S. declined to 4.57 million per day in November, down from 5.4 million in October. This is a temporary decline following the annual bump that comes with the launch of a new Iphone. When consumers get new phones around the annual iPhone launch or Christmas, downloads spike temporarily as people try out new apps or download old favorites. ?We can expect costs and download volumes to climb through December, much like last year, as marketers spend heavily in preparation for the flood of new devices and rush of user activity and app discovery around Christmas,” said Fiksu’s CEO Micah Adler in a statement. Indeed, mobile analytics startup Flurry reported yesterday that app downloads spiked at 328 million on Christmas Day, a record high for a single day since Flurry started measuring app downloads. Downloads per hour peaked early at around 11 a.m. on the 25th, and remained high throughout the day until around 8:30 or 9 p.m. While Christmas represents a single-day peak, Flurry is projecting that app downloads will remain high throughout the next week and into New Year?s Day, ending the holiday period with over 1.5 billion downloads, and possibly reaching as high as 2 billion total. Meanwhile, Fiksu is backed by Charles River Ventures. They’ve accumulated more than 63 billion app actions including launches, registrations and in-app purchases, as well as real-time bidding requests in helping developers find the most optimized ways of getting new users.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/8RpJvTXj2jY/

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Video: College student gets restraining order against parents

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Source: http://video.today.msnbc.msn.com/today/50318322/

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Online advertising | how to increase website traffic

  • Search engine optimization
  • Social media marketing
  • Email marketing
  • Referral marketing
  • Content marketing
  • Pay per click
  • Cost per impression
  • Search analytics
  • Web analytics
  • Contextual advertising
  • Behavioral targeting
  • Cost per action
  • Revenue sharing
  • Streaming media
  • Electronic books
  • Software
  • Banking
  • Food ordering
  • Online flower delivery
  • Online pharmacy
  • DVD-by-mail
  • Travel
  • Trading communities
  • Auctions
  • Online wallet
  • Advertising
  • Price comparison service
  • Social commerce
  • Payment
  • Ticketing
  • Banking
  • Product marketing
  • Pricing
  • Distribution
  • Service
  • Retail
  • Brand management
  • Account-based marketing
  • Ethics
  • Effectiveness
  • Research
  • Segmentation
  • Strategy
  • Activation
  • Management
  • Dominance
  • Marketing operations
  • Advertising
  • Branding
  • Underwriting spot
  • Direct marketing
  • Personal sales
  • Product placement
  • Publicity
  • Sales promotion
  • Sex in advertising
  • Loyalty marketing
  • Mobile marketing
  • Premiums
  • Prizes
  • Printing
  • Publication
  • Broadcasting
  • Out-of-home advertising
  • Internet
  • Point of sale
  • Merchandise
  • Digital marketing
  • In-game advertising
  • Product demonstration
  • Word-of-mouth
  • Brand ambassador
  • Drip marketing
  • Visual merchandising

Online marketing, also known as online advertisement, internet marketing, online marketing or e-marketing, is the marketing and promotion of products or services over the Internet.Online advertising is a form of promotion that uses the Internet and World Wide Web to deliver marketing messages to attract customers.Examples of online advertising include contextual ads on search engine results pages, banner ads, blogs, rich media Ads, social network advertising, interstitial ads, online classified advertising, advertising networks, dynamic banner ads, cross-platform ads and e-mail marketing, including e-mail spam. Many of these types of ads are delivered by an ad server.Online advertising is a form of promotion that uses the Internet and World Wide Web to deliver marketing messages to attract customers.Contents

  • 1 History of online advertising
  • 2 Competitive advantage over traditional advertising
  • 3 Online advertisement
  • 4 Types of Internet marketing

    4.1 Business models
    4.2 Revenue models
    4.3 Online advertisement as Digital Promotions for Television

  • 4.1 Business models
  • 4.2 Revenue models
  • 4.3 Online advertisement as Digital Promotions for Television
  • 5 Approaches

    5.1 One-to-one approaches
    5.2 Appeal to specific interests
    5.3 Niche marketing
    5.4 Geo-targeting

  • 5.1 One-to-one approaches
  • 5.2 Appeal to specific interests
  • 5.3 Niche marketing
  • 5.4 Geo-targeting
  • 6 Types

    6.1 E-mail advertising
    6.2 Display advertising
    6.3 Affiliate marketing
    6.4 Behavioral targeting
    6.5 Semantic advertising
    6.6 Social network advertising

  • 6.1 E-mail advertising
  • 6.2 Display advertising
  • 6.3 Affiliate marketing
  • 6.4 Behavioral targeting
  • 6.5 Semantic advertising
  • 6.6 Social network advertising
  • 7 Ad server market structure
  • 8 Advantages and limitations of Internet marketing

    8.1 Advantages

  • 8.1 Advantages
  • 9 Problems of online advertising

    9.1 Privacy
    9.2 Malware
    9.3 Limitations
    9.4 Security concerns

  • 9.1 Privacy
  • 9.2 Malware
  • 9.3 Limitations
  • 9.4 Security concerns
  • 10 Ethics
  • 11 ?Internet marketing? scams
  • 12 Usage trends
  • 13 Effects on industries

    13.1 Advertising industry

  • 13.1 Advertising industry
  • 14 Film and television marketing
  • 15 See also
  • 16 References
  • 4.1 Business models
  • 4.2 Revenue models
  • 4.3 Online advertisement as Digital Promotions for Television
  • 5.1 One-to-one approaches
  • 5.2 Appeal to specific interests
  • 5.3 Niche marketing
  • 5.4 Geo-targeting
  • 6.1 E-mail advertising
  • 6.2 Display advertising
  • 6.3 Affiliate marketing
  • 6.4 Behavioral targeting
  • 6.5 Semantic advertising
  • 6.6 Social network advertising
  • 9.1 Privacy
  • 9.2 Malware
  • 9.3 Limitations
  • 9.4 Security concerns
  • 13.1 Advertising industry

History of online advertising

Online advertising began in 1994 when HotWire sold the first banner ads to several advertisers.[1]Revenue in the United States grew to an estimated $7.1 billion in 2001 or about 3.1 percent of overall advertising spending. The dot-com bust destroyed or weakened many of the early online advertising industry players and reduced the demand for online advertising and related services.The industry regained momentum by 2004 as the business model for ?Web 2.0? came together.[2]A number of businesses emerged that facilitated the buying and selling of advertising space on web pages. Entities that operated web portals settled on the traditional ?free-tv? model: generate traffic by giving away the content and sell that traffic to advertisers. Most web sites, with the exception of transaction ones such as eBay, generate the preponderance of their revenues from the sale of advertising inventory?the eyeballs that view space allocated for promotions?to advertisers. In the first half of 2007 alone, advertisers in the US spent more than $10 billion advertising on websites.[3]That was about 14 percent of all advertising spending.The portion of advertising that is done online will increase significantly over time as more devices such as mobile telephones and televisions are connected to the Internet and people spend more time on these devices. The valuations that the capital markets are placing on businesses related to online advertising are consistent with this prediction. Google has had a seven-fold increase in its market value from August 2004 when it was valued at $29 billion to $215 billion in December 2007. During 2007 several companies in the online advertising market were purchased at multiples of 10-15 times annual revenues.[4][5][6]The online advertising industry burst into the public eye in 2007. Google?s sky-rocketing stock price and its forays into industries such as word processing software, online payments, and mobile telephones drew significant attention. More than 500 articles on Google appeared in the New York Times, Wall St. Journal and the Financial Times during the year. The U.S. Federal Trade Commission and the European Commission launched in-depth antitrust investigations into Google?s acquisition of DoubleClick, which provides software technology and services to online advertisers and publishers.[7]Privacy concerns also came to the fore in 2007 as consumers, government agencies and the media started focusing on the massive amount of personal data that online advertising companies were storing and using.[8][9]Businesses began to move their advertising efforts into areas by making wide use of social media from 2009. The social media includes social networking tools such as Facebook, Twitter, Hi-5, social news tools such as Reddit, Digg Propeller, social photo & video sharing tools such as Photobucket, Flickr, YouTube and social bookmarking tools such as Del.icio.us, Simpy. One of the advantages of social media advertising is proper targeting of market through the use of the users? demographic information provided. The disadvantage is measuring effectivity of social media advertising, whether or not the number of ?likes?, ?friends? or ?follows? could convert to actual sales.[10]

Competitive advantage over traditional advertising

One major benefit of online advertising is the immediate publishing of information and content that is not limited by geography or time. To that end, the emerging area of interactive advertising presents fresh challenges for advertisers who have hitherto adopted an interruptive strategy.Another benefit is the efficiency of the advertiser?s investment. Online advertising allows for the customization of advertisements, including content and posted websites. For example, AdWords, Yahoo! Search Marketing and Google AdSense enable ads to be shown on relevant web pages or alongside search results.

Online advertisement

The internet has become an ongoing emerging source that tends to expand more and more. The growth of this particular medium attracts the attention of advertisers as a more productive source to bring in consumers.A clear advantage consumers have with online advertisement is the control they have over the product, choosing whether to check it out or not.[11]Online advertisements may also offer various forms of animation. In its most common use, the term ?online advertising? comprises all sorts of banner, e-mail, in-game, and keyword advertising, including on platforms such as Facebook, Twitter, and MySpace. Web-related advertising has a variety of ways to publicize and reach a niche audience to focus its attention to a specific group. Research has proven that online advertising has given results and is a growing business revenue.[12] For the year 2012, Jupiter Research predicted $34.5 billion in US online advertising spending.

Types of Internet marketing

Internet marketing is broadly divided in to the following types:[13][better?source?needed]

  • Display advertising: the use of web banners or banner ads placed on a third-party website or blog to drive traffic to a company?s own website and increase product awareness.[13]
  • Search engine marketing (SEM): a form of marketing that seeks to promote websites by increasing their visibility in search engine result pages (SERPs) through the use of either paid placement, contextual advertising, and paid inclusion, or through the use of free search engine optimization techniques also known as organic result.[14]
  • Search engine optimization (SEO): the process of improving the visibility of a website or a web page in search engines via the ?natural? or un-paid (?organic? or ?algorithmic?) search results.
  • Social media marketing: the process of gaining traffic or attention through social media websites such as Facebook, Twitter and LinkedIn.[15]
  • Email marketing: directly marketing a commercial message to a group of people using electronic mail.
  • Referral marketing: a method of promoting products or services to new customers through referrals, usually word of mouth.
  • Affiliate marketing: a marketing practice in which a business rewards one or more affiliates for each visitor or customer brought about by the affiliate?s own marketing efforts.
  • Inbound marketing: involves creating and freely sharing informative content as a means of converting prospects into customers and customers into repeat buyers.
  • Video marketing: This type of marketing specializes in creating videos that engage the viewer into a buying state by presenting information in video form and guiding them to a product or service[citation needed] Online video is increasingly becoming more popular among internet users and companies are seeing it as a viable method of attracting customers.[16]

Business models

Internet marketing is associated with several business models:

  • E-commerce: a model whereby goods and services are sold directly to a consumer or business.
  • Lead-based websites: a strategy whereby an organization generates value by acquiring sales leads from its website.[citation needed] Similar to walk-in customers in retail world. These prospects are often referred to as organic leads.
  • Affiliate marketing: a process wherein a product or service developed by one entity is sold by other active sellers for a share of profits.[citation needed] The entity that owns the product may provide some marketing material (e.g., sales letters, affiliate links, tracking facilities, etc.); however, the vast majority of affiliate marketing relationships come from e-commerce businesses that offer affiliate programs.[citation needed]

Revenue models

The three most common ways in which online advertising is purchased are CPM, CPC, and CPA.

  • CPM (Cost Per Mille) or CPT (Cost Per Thousand Impressions) is when advertisers pay for exposure of their message to a specific audience. ?Per mille? means per thousand impressions, or loads of an advertisement. However, some impressions may not be counted, such as a reload or internal user action.
  • CPV (Cost Per Visitor) is when advertisers pay for the delivery of a Targeted Visitor to the advertisers website.
  • CPV (Cost Per View) is when advertisers pay for each unique user view of an advertisement or website (usually used with pop-ups, pop-unders and interstitial ads).
  • CPC (Cost Per Click) or PPC (Pay per click) is when advertisers pay each time a user clicks on their listing and is redirected to their website. They do not actually pay for the listing, but only when the listing is clicked on. This system allows advertising specialists to refine searches and gain information about their market. Under the Pay per click pricing system, advertisers pay for the right to be listed under a series of target rich words that direct relevant traffic to their website, and pay only when someone clicks on their listing which links directly to their website. CPC differs from CPV in that each click is paid for regardless of whether the user makes it to the target site.
  • CPA (Cost Per Action or Cost Per Acquisition) or PPF (Pay Per Performance)[17] advertising is performance based and is common in the affiliate marketing sector of the business. In this payment scheme, the publisher takes all the risk of running the ad, and the advertiser pays only for the number of users who complete a transaction, such as a purchase or sign-up. This model ignores any inefficiency in the seller?s web site conversion funnel. The following are common variants of CPA:

    CPL (Cost Per Lead) advertising is identical to CPA advertising and is based on the user completing a form, registering for a newsletter or some other action that the merchant feels will lead to a sale.
    CPS (Cost Per Sale), PPS (Pay Per Sale), or CPO (Cost Per Order) advertising is based on each time a sale is made.[18]

  • CPL (Cost Per Lead) advertising is identical to CPA advertising and is based on the user completing a form, registering for a newsletter or some other action that the merchant feels will lead to a sale.
  • CPS (Cost Per Sale), PPS (Pay Per Sale), or CPO (Cost Per Order) advertising is based on each time a sale is made.[18]
  • CPL (Cost Per Lead) advertising is identical to CPA advertising and is based on the user completing a form, registering for a newsletter or some other action that the merchant feels will lead to a sale.
  • CPS (Cost Per Sale), PPS (Pay Per Sale), or CPO (Cost Per Order) advertising is based on each time a sale is made.[18]
  • eCPM: Effective CPM or eCPM calculated through other conversion events such as Cost per Clicks, Cost per Downloads, Cost per Leads etc. for example when an advertiser getting $2 per download and for 100,000 impressions you received 10 downloads worth $20, in this case your effective CPM or eCPM will be 2*20*1000/100,000= $0.4
  • Fixed Cost: Advertiser paying fixed cost for delivery frame by campaign flight dates without any relevance to performance
  • Cost per conversion Describes the cost of acquiring a customer, typically calculated by dividing the total cost of an ad campaign by the number of conversions. The definition of ?Conversion? varies depending on the situation: it is sometimes considered to be a lead, a sale, or a purchase.

Online advertisement as Digital Promotions for Television

Online advertisement can also be classified as Digital Promotions. Digital promotion in connection to the television industry is when networks use authentic digital resources to promote their new shows in a growing vast range of venues.[19] Television networks development of digital off air promotional strategies allowed digital promotion to remain significant to the advertisement advancement in the television.Examples of television online digital promotions: The Sci Fi network for loaded a special recap episode of Battlestar Galactica onto Microsoft?s Xbox online gaming service; this gave the audience additional opportunities to sample content if they may or may not be familiar with the show.[20]Another example of digital promotion in television is when network CBS incorporated new digital technologies of Bluetooth-enabled mobile devices that were able to download a thirty-second clip of a new show on their devices; consumers standing in range of a billboard don?t need an internet link to download the show?s content.[21]These non-linear viewing opportunities provided as a valuable tool for gaining audiences; and to encourage them to intersect with the linear audience.[22]

Approaches

One-to-one approaches

In a one-to-one approach, marketers target a user browsing the Internet alone and so that the marketers? messages reach the user personally. This approach is used in search marketing, for which the advertisements are based on search engine keywords entered by the users. This approach usually works under the pay per click (PPC) method.[citation needed]

Appeal to specific interests

When appealing to specific interests, marketers place an emphasis on appealing to a specific behavior or interest, rather than reaching out to a broadly defined demographic.[citation needed] These marketers typically segment their markets according to age group, gender, geography, and other general factors.[citation needed]Appealing to specific users can be achieved through behavioral targeting which refers to the use of behavioral patterns and putting up the relevant content suitable to the viewer?s interest obtained from the user through cookies and other tools and contextual advertising which refers to the publishing of advertisements and ads based on the context the user in. For example if the user is searching for coffee, the search engine publishes ads related to coffee.

Niche marketing

In conventional niche marketing, clusters of consumers (the niche) are identified in order to more economically and efficiently target them.[23] Similarly, niche internet marketing attempts to create a more direct advertising message for those who are seen as most likely to buy the product being advertised (see Target audience and Conversion rate).[citation needed]Niche internet marketing focuses on marketing products and services which are, or can appear, tailor-made for a specific subset of consumers who are expected to buy the product or service with a specific motivation. The online advertising message (or product web site) can then be similarly tailor-made to target that assumed motivation.[citation needed] In combination with search engine optimization, the niche internet marketer can attempt to increase the likelihood that their product?s advertisement (or site) will be seen by customers in the relevant niche.[citation needed]

Geo-targeting

In Internet marketing, geotargeting is the methods of determining the geolocation of a website visitor with geolocation software, and delivering different content to that visitor based on his or her location, such as latitude and longitude, country, region or state, city, metro code or zip code, organization, Internet Protocol (IP) address, ISP, and other criteria.[citation needed]

Types

Though, as seen above, the large majority of online advertising has a cost that is brought about by usage or interaction of an ad, there are a few other methods of advertising online that only require a one time payment. The Million Dollar Homepage is a very successful example of this. Visitors were able to pay $1 per pixel of advertising space and their advert would remain on the homepage for as long as the website exists with no extra costs.

  • Floating ad: An ad which moves across the user?s screen or floats above the content.
  • Expanding ad: An ad which changes size and which may alter the contents of the webpage.
  • Polite ad: A method by which a large ad will be downloaded in smaller pieces to minimize the disruption of the content being viewed
  • Wallpaper ad: An ad which changes the background of the page being viewed.
  • Trick banner: A banner ad that looks like a dialog box with buttons. It simulates an error message or an alert.
  • Pop-up: A new window which opens in front of the current one, displaying an advertisement, or entire webpage.
  • Pop-under: Similar to a Pop-Up except that the window is loaded or sent behind the current window so that the user does not see it until they close one or more active windows.
  • Video ad: similar to a banner ad, except that instead of a static or animated image, actual moving video clips are displayed. This is the kind of advertising most prominent in television, and many advertisers will use the same clips for both television and online advertising.
  • Map ad: text or graphics linked from, and appearing in or over, a location on an electronic map such as on Google Maps.
  • Mobile ad: an SMS text or multi-media message sent to a cell phone.
  • Superstitial: An animated ad on a Web page from Enliven Marketing Technologies. It uses video, 3D content or Flash to provide a TV-like advertisement. Used to be known as Unicast Transitional ads as they were originally made by Unicast Communications but the company was acquired by Viewpoint Corporation in 2004, which then changed its name to Enliven in 2008.[24]
  • Interstitial ad: a full-page ad that appears before a user reaches their original destination.
  • Frame ad: an ad that appeared within an HTML frame, usually at the top with the site logo. As the user browsed the site, the frame would not change.

In addition, ads containing streaming video or streaming audio are becoming very popular with advertisers.[25][26]

E-mail advertising

Legitimate Email advertising or E-mail marketing is often known as ?opt-in e-mail advertising? or permission marketing to distinguish it from spam.

Display advertising

Display advertising appears on web pages in many forms, including web banners. These banners can consist of static or animated images, as well as interactive media that may include audio and video elements. Display advertising on the Internet is widely used for branding. This is why metrics like interaction time are becoming more relevant. This may change in the future as display advertising is becoming much more targeted to users, much like how search engine ads can be extremely relevant to users based on what they are searching for. Display advertisers use cookie and browser history to determine demographics and interests of users and target appropriate ads to those browsers. Banner ad standards have changed over the years to larger sizes, in part due to increased resolution of standard monitors and browsers, in part to provide advertisers with more impact for their investment. The standards continue to evolve. Banner ads can be targeted to internet users in many different ways in order to reach the advertiser?s most relevant audience. Behavioral retargeting, demographic targeting, geographic targeting, and site based targeting are all common ways in which advertisers choose to target their banner ads.

Affiliate marketing

Affiliate marketing is a form of online advertising where advertisers place campaigns with a potentially large number of small (and large) publishers, who are only paid media fees when traffic to the advertiser is garnered, and usually upon a specific measurable campaign result (a form, a sale, a sign-up, etc.). Today, this is usually accomplished through contracting with an affiliate network.Affiliate marketing was an invention by CDNow.com in 1994 and was excelled by Amazon.com when it launched its Affiliate Program, called Associate Program in 1996. The online retailer used its program to generate low cost brand exposure and provided at the same time small websites a way to earn some supplemental income.

Behavioral targeting

In addition to contextual targeting, online advertising can be targeted based on a user?s online behavior. This practice is known as behavioral targeting. For example, if a user is known to have recently visited a number of automotive shopping / comparison sites based on clickstream analysis enabled by cookies stored on the user?s computer, that user can then be served auto-related ads when they visit other, non-automotive sites.In the United States the Federal Trade Commission has been involved in the oversight of behavioral targeting for some time. In 2011 the FTC proposed a ?Do Not Track? mechanism to allow Internet users to opt-out of behavioral targeting.

Semantic advertising

Semantic advertising applies semantic analysis techniques to web pages. The process is meant to accurately interpret and classify the meaning and/or main subject of the page and then populate it with targeted advertising spots. By closely linking content to advertising, it is assumed that the viewer will be more likely to show an interest (i.e., through engagement) in the advertised product or service.

Social network advertising

Social network advertising is a form of Online advertising that focuses on social networking sites. Advertising on social media networks can take the form of direct display ad buys at the social networks, self-serve advertising through internal ad networks, and ad serving on social network applications through special social network application advertising networks.[27]

Ad server market structure

Given below is a list of top Ad server vendors in 2008 with figures in millions of viewers published in an Attributor survey. Since 2008 Google has controlled an estimated 69% of the online advertising market.[28]It should be noted that Google acquired DoubleClick in 2007 for a consideration of $3.1 billion. The above survey was based on a sample of 68 million domains.

Advantages and limitations of Internet marketing

Advantages

Internet marketing is inexpensive when examining the ratio of cost to the reach of the target audience.[citation needed] Companies can reach a wide audience for a small fraction of traditional advertising budgets.[citation needed] The nature of the medium allows consumers to research and to purchase products and services conveniently.[citation needed] Therefore, businesses have the advantage of appealing to consumers in a medium that can bring results quickly.[citation needed]Internet marketers also have the advantage of measuring statistics easily and inexpensively; almost all aspects of an Internet marketing campaign can be traced, measured, and tested, in many cases through the use of an ad server.[citation needed] The advertisers can use a variety of methods, such as pay per impression, pay per click, pay per play, and pay per action. Therefore, marketers can determine which messages or offerings are more appealing to the audience.[citation needed] The results of campaigns can be measured and tracked immediately because online marketing initiatives usually require users to click on an advertisement, to visit a website, and to perform a targeted action.[citation needed]

Problems of online advertising

Privacy

The use of online advertising has implications on the privacy and anonymity of users. Hosting the banner images on its servers and using third-party cookies, the advertising company is able to track the browsing of users across these two sites.Third-party cookies can be blocked by most browsers to increase privacy and reduce tracking by advertising and tracking companies without negatively affecting the user?s Web experience. Many advertising operators have an opt-out option to behavioral advertising, with a generic cookie in the browser stopping behavioral advertising.

Malware

There is also a class of advertising methods which are considered unethical and may even be illegal. These include external applications which alter system settings (such as a browser?s home page), spawn pop-ups, and insert advertisements into non-affiliated webpages. Such applications are usually labelled as spyware or adware. They may mask their questionable activities by performing a simple service, such as displaying the weather or providing a search bar. These programs are designed to dupe the user, acting effectively as Trojan horses. These applications are commonly designed so as to be difficult to remove or uninstall. The ever-increasing audience of online users, many of whom are not computer-savvy, frequently lack the knowledge and technical ability to protect themselves from these programs.

Limitations

  • One of the challenges that Internet markets face (as does the general public) is that many internet products are outright scams or promoted with deception making it difficult to know what one is buying. This is especially the case with products that are supposed to train or aid Internet marketers in making money. While the quality of products has improved in the past few years, ethics is still often missing in internet marketing. Many so-called money making products are ?empty boxes? in which there is essentially nothing there yet a buyer is to make money by reselling this empty box to others. Pyramid schemes are also still prevalent.
  • The consumer is unable to physically feel or try on the product which can be a limitation for certain goods. However a survey of consumers of cosmetics products shows that email marketing can be used to interest a consumer to visit a store to try a product or to speak with sales representatives. [29]
  • The marketer will not be able to use personal interaction to influence the audience as the marketing is completely based on the advertisement and the information that the advertisement might lead to (websites, blogs and other channels).

Security concerns

Information security is important both to companies and consumers that participate in online business. Many consumers are hesitant to purchase items over the Internet because they do not believe that their personal information will remain private. Some companies that purchase customer information offer the option for individuals to have their information removed from their promotional redistribution, also known as opting out. However, many customers are unaware if and when their information is being shared, and are unable to stop the transfer of their information between companies if such activity occurs. Additionally, companies holding private information are vulnerable to data attacks and leaks. Internet browsing privacy is a related consumer concern. Web sites routinely capture browsing and search history which can be used to provide targeted advertising. Privacy policies can provide transparency to these practices. Spyware prevention software can also be used to shield the consumer.Another consumer e-commerce concern is whether or not they will receive exactly what they purchase. Online merchants have attempted to address this concern by investing in and building strong consumer brands (e.g., Amazon.com, eBay, and Overstock.com), and by using merchant and feedback rating systems and e-commerce bonding solutions.[citation needed] All these solutions attempt to assure consumers that their transactions will be free of problems because the merchants can be trusted to provide reliable products and services.[citation needed] Additionally, several major online payment mechanisms (credit cards, PayPal, Google Checkout, etc.) have provided back-end buyer protection systems to address problems if they occur.[citation needed]

Ethics

Online advertising encompasses a range of types of advertising, some of which are deployed ethically and some are not. Some websites use large numbers of advertisements, including flashing banners that distract the user, and some have misleading images designed to look like error messages from the operating system, rather than advertisements. Websites that unethically use online advertising for revenue frequently do not monitor what advertisements on their website link to, allowing advertisements to lead to sites with malicious software or audience-inappropriate material. The ethical propriety of advertisers that use web searches for competitors? brands to trigger their own ads has been questioned.[30]Some argue that website operators who ethically use online advertising typically use a small number of advertisements that are not intended to distract or irritate the user, and do not detract from the design and layout of their websites.[31] Many website owners deal directly with companies that want to place ads, meaning that the website linked to by the advertisement is legitimate.The use of technologies like Adobe Flash in online advertising has led to some users disabling it in their browsers, or using browser plug-ins like Adblock or NoScript. Many sites use centralized advertising services whose advertisement may be blocked as a side effect of security and privacy measures, because the services require JavaScript and cross-site requests to function, while such features are often not necessary to use the sites and are a potential source of vulnerabilities.Some companies perform customer engagement studies in online marketing to insure consumer satisfaction, through the use of online compliance centers, building and deploying fraud detection tools, while inspecting websites and publishers to insure website pages offer the highest degree of information security and compliance with Can Spam Requirements.[32]

?Internet marketing? scams

In May 2012, The Verge writer Joseph L. Flatley reported that the terms ?Internet marketing? and ?Internet marketer? have been co-opted by a loose association of confidence artists running online get-rich-quick schemes.[33]

Usage trends

Technological advancements in the telecommunications industry have dramatically affected online advertising techniques.[citation needed] Many firms are embracing a paradigm that is shifting the focus of advertising methodology from traditional text and image advertisements to those containing more recent technologies like JavaScript and Adobe Flash.[citation needed] As a result, advertisers can more effectively engage and connect their audience with their campaigns that seek to shape consumer attitudes and feelings towards specific products and services.[citation needed]

Effects on industries

The number of banks offering the ability to perform banking tasks over the internet has increased.[citation needed] Online banking appeals to customers because it is often faster and considered more convenient than visiting bank branches.[34]

Advertising industry

In addition to the major effect internet marketing has had on the technology industry, the effect on the advertising industry itself has been profound. In just a few years, online advertising has grown to be worth tens of billions of dollars annually.[35][36][37] PricewaterhouseCoopers reported that US$16.9?billion was spent on Online marketing in the U.S. in 2006.[38]This has caused a growing impact on the United States? electoral process. In 2008, candidates for President heavily utilized Internet marketing strategies to reach constituents. During the 2007 primaries, candidates added, on average, over 500?social network supporters per day to help spread their message. President Barack Obama raised over US$1?million in one day during his extensive Democratic candidacy campaign, largely due to online donors.[39]Several industries have heavily invested in and benefited from internet marketing and online advertising. Some of them were originally brick and mortar businesses such as publishing, music, automotive or gambling, while others have sprung up as purely online businesses, such as digital design and media, blogging, and internet service hosting.[citation needed]

Film and television marketing

Industries such as film and television were somewhat slow when it came to putting content on the Internet. Film trailers, television show schedules and ?interactive? press kits came on the scene quite quickly as the content that promoted such products. This major media platform was developed with investments of millions by the film studios and television networks because it was a valuable marketing tool.[40]

See also

  • Ad server
  • App store optimization
  • Article marketing
  • Classified advertising
  • Conversion rate
  • Digital marketing
  • Frequency capping
  • In-text advertising
  • Inbound marketing
  • Lead scoring
  • Media transparency
  • Netnography
  • Online identity management
  • Online lead generation
  • Pay per click
  • Post-click marketing
  • Product feed
  • Real-time marketing
  • Search engine marketing
  • Social media optimization
  • Viral marketing
  • Web banner
  • Online presence management
  • Industry calculations:

    Click Through Rate (CTR)
    View-through rate (VTR)
    Cost Per Action (CPA)

    effective Cost Per Action (eCPA)

    Cost Per Click or Pay Per Click (CPC or PPC)
    Cost Per Impression (CPI)

    Cost Per Mille (CPM), also known as Cost Per Thousand (CPT)

    effective Cost Per Mille (eCPM)

  • Click Through Rate (CTR)
  • View-through rate (VTR)
  • Cost Per Action (CPA)

    effective Cost Per Action (eCPA)

  • effective Cost Per Action (eCPA)
  • Cost Per Click or Pay Per Click (CPC or PPC)
  • Cost Per Impression (CPI)

    Cost Per Mille (CPM), also known as Cost Per Thousand (CPT)

    effective Cost Per Mille (eCPM)

  • Cost Per Mille (CPM), also known as Cost Per Thousand (CPT)

    effective Cost Per Mille (eCPM)

  • effective Cost Per Mille (eCPM)
  • Compensation methods
  • Classified advertising
  • Web advertising:

    Ad filtering
    Advertising network
    Article marketing
    Affiliate marketing
    Central ad server
    Click fraud
    Dot Commercials

  • Ad filtering
  • Advertising network
  • Article marketing
  • Affiliate marketing
  • Central ad server
  • Click fraud
  • Dot Commercials
  • E-mail advertising:

    e-mail spam
    opt-in e-mail advertising
    spamming
    In-text advertising

  • e-mail spam
  • opt-in e-mail advertising
  • spamming
  • In-text advertising
  • Mobile Advertising

    Mobile Marketing
    Mobile Development
    WAP
    Online classified advertising
    Overlay
    Pay per click
    Pay per play
    Performance-based advertising
    Pop-up ad

  • Mobile Marketing
  • Mobile Development
  • WAP
  • Online classified advertising
  • Overlay
  • Pay per click
  • Pay per play
  • Performance-based advertising
  • Pop-up ad
  • Search Engines

    Search Engine Marketing (SEM)
    Search Engine Optimization (SEO)
    Semantic advertising
    Unicast ad
    Web banner

  • Search Engine Marketing (SEM)
  • Search Engine Optimization (SEO)
  • Semantic advertising
  • Unicast ad
  • Web banner
  • Click Through Rate (CTR)
  • View-through rate (VTR)
  • Cost Per Action (CPA)

    effective Cost Per Action (eCPA)

  • effective Cost Per Action (eCPA)
  • Cost Per Click or Pay Per Click (CPC or PPC)
  • Cost Per Impression (CPI)

    Cost Per Mille (CPM), also known as Cost Per Thousand (CPT)

    effective Cost Per Mille (eCPM)

  • Cost Per Mille (CPM), also known as Cost Per Thousand (CPT)

    effective Cost Per Mille (eCPM)

  • effective Cost Per Mille (eCPM)
  • effective Cost Per Action (eCPA)
  • effective Cost Per Mille (eCPM)
  • Ad filtering
  • Advertising network
  • Article marketing
  • Affiliate marketing
  • Central ad server
  • Click fraud
  • Dot Commercials
  • e-mail spam
  • opt-in e-mail advertising
  • spamming
  • In-text advertising
  • Mobile Marketing
  • Mobile Development
  • WAP
  • Online classified advertising
  • Overlay
  • Pay per click
  • Pay per play
  • Performance-based advertising
  • Pop-up ad
  • Search Engine Marketing (SEM)
  • Search Engine Optimization (SEO)
  • Semantic advertising
  • Unicast ad
  • Web banner

References

  • Internet advertising methods
  • Internet marketing
  • Types of marketing
  • Marketing by medium
  • Articles needing cleanup from September 2012
  • All articles needing cleanup
  • Cleanup tagged articles with a reason field from September 2012
  • Wikipedia pages needing cleanup from September 2012
  • Articles needing additional references from May 2008
  • All articles needing additional references
  • All pages needing factual verification
  • Wikipedia articles needing factual verification from December 2012
  • All articles with unsourced statements
  • Articles with unsourced statements from May 2012
  • Articles needing additional references from January 2011
  • Articles with unsourced statements from January 2011
  • Articles with unsourced statements from July 2012
  • Wikipedia articles needing reorganization from November 2012
  • Articles needing additional references from June 2009

Tags: advertising, online

Source: http://www.profitabletraffik.com/online-advertising/

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Long-suffering Bankia shareholders set for more losses

MADRID (Reuters) - Spain's Bankia will wipe out the investments of 350,000 shareholders, many of them small savers and pensioners, after it emerged that losses on bad loans at the troubled bank were even worse than expected.

The measure will hit small investors drawn in by aggressive marketing just last year after Bankia was formed from a merger of provincial savings banks. But it is described by officials as vital if the company, which was nationalized in May, is to return to profit in order to be sold on again.

Bankia will receive 18 billion euros of European Union money by Friday and launch a capital increase in the first half of January when current shareholders will lose practically their entire investment, a source close to the Bank of Spain said.

"Are we looking into leaving shareholders with something? Yes. How much? That's too soon to say. Will it be very little? For sure," the central bank source said on condition of anonymity.

"But that will be purely symbolic. I can assure you they will lose up to the shirt on their back."

Under the EU plan to prop up Spain's banking sector, devastated by a burst real estate bubble, shareholders must be the first in line to accept losses. That was the case in Ireland, another victim of the global credit crisis, where shareholders in Anglo Irish Bank were left with nothing.

Bankia had negative equity - or an excess of debt over assets - of 4.2 billion euros, Spain's bank rescue fund, known as FROB, said on Wednesday. That measure will be used to help determine shareholder losses. Bankia's parent company BFA had negative equity of 10.4 billion euros.

How much shareholders will lose will be unveiled when the capital increase takes place in January following discussions with EU authorities, the source said.

"A TOTAL COCK-UP"

Hundreds of thousands of Spaniards, some of them retirees with little awareness of financial affairs, ploughed savings into Bankia shares when the bank was listed in July 2011. The stock has lost more than 80 percent of its value since then.

Small savers also bought billions of euros of other Bankia instruments, such as preference shares or subordinated debt, on which they will also suffer steep losses.

"It seems to be to have been managed extraordinarily badly. It is a total cock-up," said Enrique Marquez, 66, a retired technician who invested 7,000 euros in ordinary shares and more than 70,000 euros in preference shares with Bankia.

"I've been duped on the preference shares and I've been duped on the ordinary shares. It's been an abuse of trust," added Marquez, who said he had been told by his bank manager the stock could be very profitable in the medium term.

Many of Bankia's more than 20,000 employees also invested in the shares in the 2011 initial public offering and are set to lose their money even as thousands face job cuts enforced as a condition of receiving European aid.

Speaking of his fellow staff at Bankia, one employee at a branch in northern Spain said: "I don't know anyone who didn't buy the shares. I did and my family heavily invested in them too." He spoke anonymously and said he now feared for his job.

About 6,000 workers will be axed in Bankia's restructuring while remaining employees are being asked to take a 40- to 50-percent pay cut, trade unions said.

Shares in Bankia fell a further 16 percent to 0.58 euros on Thursday after the FROB disclosure of its negative equity. Bankia will be taken out of Spain's blue-chip index, the Ibex 35 <.ibex>, as of January 2, the stock exchange said on Thursday.

SLIMMED DOWN, SOLD OFF

Bankia must reduce its balance sheet by 60 percent over the next five years as a condition of receiving aid.

Bankers say the lender could be put up for sale after it is slimmed down and stripped of its toxic property assets, which will be siphoned off into a special vehicle, or 'bad bank'.

However, the lender, which accounts for around 10 percent of Spain's banking market, is probably too big to be swallowed by a larger rival, as other state-rescued lenders have been: "The large Spanish banks would struggle to take on something of that size," one Madrid-based investment banker said.

Bankia is unlikely to be sold until around 2017, bankers said. Around 10 percent of a stabilized market, flush with rescue cash and stripped of toxic real estate assets, may be an attractive investment proposition for a foreign bank, they said.

Another possibility for the government to extricate itself from Bankia would be a public share offering, bankers said, although they admitted Spain would have to wait so any sales operation wouldn't come too soon after the ill-fated 2011 IPO.

Separately, the FROB also announced it would take over 99.9 percent of Banco de Valencia before it is sold to CaixaBank , while shareholders in other nationalized lenders NCG Banco and Catalunya Banc will be fully wiped out.

In the case of Anglo Irish Bank (AIB), shareholders whose equity was once worth 13 billion euros were left with nothing following the bank's 4-billion-euro recapitalization and immediate nationalization in January 2009.

AIB ultimately needed another 25.3 billion euros of state money, which was funded by a "promissory note", or government IOU, that Ireland is now trying to restructure.

Spain's four nationalized lenders will receive a total of 37 billion euros of EU funds. It will also tap another 4.4 billion euros to set up the 'bad bank' and recapitalize smaller banks. ($1 = 0.7563 euros)

(Additional reporting by Laura Noonan in Dublin and Sarah White in London; Editing by Giles Elgood and Alastair Macdonald)

Source: http://news.yahoo.com/long-suffering-bankia-shareholders-set-more-losses-170756288--finance.html

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Friday, 28 December 2012

refinancing mortgage - Zillow Mortgage Advice

This makes the home?a investment property instead of your primary residence.? Investment property loans tend to have stricter guidelines in order to qualify for the refinance. ?You should also expect to find slightly higher rates on investment property vs. primary home loans.? Your best option is to contact a local professional and check to see if you qualify.
Best of luck!

Source: http://www.zillow.com/advice-thread/refinancing-mortgage/472257/

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Self Improvement Times: Time Management Tips - 3 Essential Time ...

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Source: http://mimshah.blogspot.com/2012/12/self-improvement-times-time-management.html

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Source: http://ellaabellaa.posterous.com/self-improvement-times-time-management-tips-3

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Source: http://ukinymabt.posterous.com/self-improvement-times-time-management-tips-3

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Video: Americans are more scared of guns than "fiscal cliff" (cbsnews)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/273163356?client_source=feed&format=rss

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Sibling Squabbles Bring on Anxiety, Blues - Health Me Up

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Sibling Squabbles Bring on Anxiety, Blues


?* Text Courtesy IANS

*Images courtesy: ? Thinkstock photos/ Getty Images??

(IANS) Violations of personal space, unwanted borrowing of fashionable clothes, or arguments over whose turn is it to play a new video game, can fuel sibling squabbles that are linked to greater anxiety and lower self esteem in children.

?

"Our results show that conflicts about violations of personal space and property are associated with greater anxiety and lower self-esteem one year later in life," said Nicole Campione-Barr, assistant professor of psychological science at the Missouri University College of Arts and Science, Columbia.

?

Campione-Barr and colleagues studied 145 pairs of mostly European-American, middle-class siblings for one year. The average ages for the pairs were 15 and 12 years, the journal Child Development reports.

?

The teens rated different topics of possible conflict, noting the frequency and intensity of the arguments. The arguments were organised into two categories: violations of personal domain or conflicts over fairness and equality.

?

The study then examined correlations among the arguments and teens' reports of depressed mood, anxiety and self-esteem after one year, according to a Missouri statement.

?

"Although parents may be inclined to step in as arbiters, previous research has found that parents' interventions into adolescent sibling conflict can be detrimental," said Campione-Barr.

?

Campione-Barr noted that one limitation to her study was that it was largely constrained in its demographic scope to white, middle-class Americans. Other cultures and economic classes may have a different relationships among privacy, fairness and emotional well-being.

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previous next '; $("#SiteLoginDiv").html(statusLoginStr); $("#SiteLoginDiv").show(); $("#CommonLoginDiv").hide(); //-To Show the Twitter Post Box T("#maincommentdivfortweeter").tweetBox({ height: 100, width: 600, defaultContent: "http://toi.in/zHdbYa", onTweet : function (data){ //--------------Function to Post data to the insert2dbfile var whihcflag = $("#whichcontype").val(); var first_name = $("#first_name").val(); var last_name = $("#second_name").val(); var screenName = $("#userscreenname").val(); var profile_url = $("#userprofilelink").val(); var profileImage = $("#userprofileimage").val(); var loginusertypeid = $("#loginusertypeid").val(); var comment_text = data.replace("http://toi.in/zHdbYa",""); var comment_parentid = $("#comment_parentid").val(); var content_id = $("#content_id").val(); $.post("http://healthmeup.com/2db/comment2db.php",{'login_type':'twitter','whihcflag':whihcflag,'first_name':first_name,'last_name':last_name,'screenName':screenName,'profile_url':profile_url,'profileImage':profileImage,'loginusertypeid':loginusertypeid,'comment_text':comment_text,"content_id":content_id,"comment_parentid":comment_parentid},function(data){ if(jQuery.trim(data)=='error'){ $("#showerrorComment").html('User and password did not match.'); document.getElementById('showerrorComment').style.display="block"; }else if(jQuery.trim(data)=='BadWord'){ $("#comment_text").focus(); $("#commentBoxRes").html('Whoa... STOP right there! Pls feed us love, not spam, links or abusive words :) Help us keep Healthmeup a happy place!'); document.getElementById('commentBoxRes').style.display="block"; }else{ $("#commentBoxRes").show(); $.post("http://healthmeup.com/tpl/tplGetcommentadded.php",{"content_id":content_id,"pageval":"1","whichflag":whihcflag},function(data){ $("#showcommentcontent").html(data); var nocomments = $('#nocomments_'+18537).val(); //console.debug(nocomments); if( nocomments > 0){ $('#comment_'+18537).html(''); $('#comment_'+18537).html(''+nocomments +' Comments ' ); } }); } }); } }); //$("#login-logout").append('Sign out of Twitter'); $("#signout").bind("click", function () { twttr.anywhere.signOut(); $("#first_name").val(''); $("#userscreenname").val(''); $("#userprofilelink").val(''); $("#userprofileimage").val(''); $("#loginusertypeid").val(''); window.location.reload(); }); $("#logindiv").hide(); }else{ T("#twitter-connect-placeholder").connectButton({ authComplete: function(user) { // triggered when auth completed successfully setQuestion(); window.location.reload(); } }); /*document.getElementById("twitter-connect-placeholder").onclick = function () { T.signIn();}; T.bind("authComplete", function (e, user) { // triggered when auth completed successfully window.location.reload(); });*/ //$("#logindiv").show(); $("#maincommentdiv").show(); //$("#facebooktwitteruserdetails").hide(); $("#maincommentdivfortweeter").hide(); }; }); });//------------Document Ready //-------------------FAcebook User Starts var badword=0; function postthecomment1(){ var comment_text = jQuery.trim($("#comment_text").val()); var comment_parentid = jQuery.trim($("#comment_parentid").val()); var content_id = jQuery.trim($("#content_id").val()); var whihcflag = $("#whichcontype").val(); $("#showerrorComment").hide(); $("#commentBoxRes").hide(); if(comment_text==""){ errmsg = "Please Enter Your Comment"; $("#comment_text").val('') $('#comment_text').focus(); flag=1; $("#showerrorComment").html(errmsg); document.getElementById('showerrorComment').style.display="block"; return false; } if($("#whichusertype").val()=='1'){ var first_name = $("#first_name").val(); var last_name = $("#second_name").val(); if($('#UsernameSelector').attr('checked') == true){ var screenName = 'Anonymous'; } else{ var screenName = $("#userscreenname").val(); } var profile_url = $("#userprofilelink").val(); var profileImage = $("#userprofileimage").val(); var loginusertypeid = $("#loginusertypeid").val(); $('#commentSubmit').attr('disabled','disabled'); $.post("http://healthmeup.com/2db/comment2db.php",{'login_type':'facebook','whihcflag':whihcflag,'first_name':first_name,'last_name':last_name,'username':screenName,'profile_url':profile_url,'profileImage':profileImage,'loginusertypeid':loginusertypeid,'comment_text':comment_text,"content_id":content_id,"comment_parentid":comment_parentid},function(data){ if(jQuery.trim(data)=='error'){ $("#showerrorComment").html('User and password did not match.'); document.getElementById('showerrorComment').style.display="block"; }else if(jQuery.trim(data)=='BadWord'){ badword=1; $("#comment_text").focus(); $("#commentBoxRes").show(); $("#commentBoxRes").html('Whoa... STOP right there! Pls feed us love, not spam, links or abusive words :) Help us keep luxpresso a happy place!'); document.getElementById('commentBoxRes').style.display="block"; }else{ $("#commentBoxRes").show(); $.post("http://healthmeup.com/tpl/tplGetcommentadded.php",{"content_id":content_id,"pageval":"1"},function(data){ //alert(data); $("#showcommentcontent").html(data); $("#commentBoxRes").show(); //$("#Username").val(''); //$("#Useremail").val(''); $("#comment_text").val(''); var nocomments = $('#nocomments_'+18537).val(); //console.debug(nocomments); if( nocomments > 0){ $('#comment_'+18537).html(''); $('#comment_'+18537).html(''+nocomments +' Comments ' ); } var message = comment_text; var article_title = "Sibling Squabbles Bring on Anxiety, Blues"; var article_page_link = "http://healthmeup.com/news-buzz/sibling-squabbles-bring-on-anxiety-blues/18537"; var story_section ="News"; var story_section_url ="http://healthmeup.com/archive/content/1/1"; var author_name = "Agencies"; var author_name_url = "http://healthmeup.com/author/agencies/489"; var posteddate = "Dec 27th 2012 at 11:00AM" var article_image_path ="http://images.idiva.com/media/healthmeup/content/2012/Dec/scopophobia_100x75.jpg"; var attachment = {'name': article_title, 'href': article_page_link ,'properties' : { 'Filed under': {'text': story_section, 'href': story_section_url}, 'Author ' : {'text': author_name, 'href':author_name_url}, 'Posted On': posteddate} ,'media': [{ 'type': 'image', 'src': article_image_path, 'href': article_page_link }] }; var action_links = [{'text':'luxpresso', 'href':'http://luxpresso.com/'}]; // FB.Connect.streamPublish(message, attachment, action_links); streamPublish(attachment, 'Healthmeup', 'http://healthmeup.com/', 'Share healthmeup.com'); $('#commentSubmit').attr('disabled',''); }); } }); }else{ var username= jQuery.trim($("#Username").val()); var useremailid= jQuery.trim($("#Useremail").val()); var comment_parentid=jQuery.trim($("#comment_parentid").val()); var userpassword=jQuery.trim($("#Password").val()); var content_id=jQuery.trim($("#content_id").val()); var whihcflag =jQuery.trim($("#whichcontype").val()); var flag = 0; if($('#UsernameSelector').attr('checked') == true){ var username = 'Anonymous'; } else{ var username = $("#Username").val(); } if(comment_text==""){ errmsg = "Please Enter Your Comment"; $("#comment_text").val('') $('#comment_text').focus(); flag=1; }else if(username=="" || useremailid==""){ errmsg = "Please login to comment."; flag=1; }else if (userpassword == "" || userpassword == "Password"){ errmsg = "Please Enter Password"; $('#Password').focus(); flag=1; } if(flag==0){ //alert("asda"); $('#commentSubmit').attr('disabled','disabled'); $.post("http://healthmeup.com/2db/comment2db.php",{'login_type':'normaluser','EmailId':useremailid,'whihcflag':whihcflag,'Username':username,"userpassword":userpassword,"content_id":content_id,"comment_parentid":comment_parentid,'comment_text':comment_text,'screenName':screenName},function(data){ //alert(trim(data)); if(jQuery.trim(data)=='error'){ $("#showerrorComment").html('User and password did not match.'); $("#showerrorComment").show(); }else if(jQuery.trim(data)=='BadWord'){ //alert("dsf") $("#comment_text").focus(); $("#commentBoxRes").html('

Whoa... STOP right there! Pls feed us love, not spam, links or abusive words :) Help us keep luxpresso a happy place!

'); document.getElementById('commentBoxRes').style.display="block"; }else{ $("#commentBoxRes").show(); $.post("http://healthmeup.com/tpl/tplGetcommentadded.php",{"content_id":content_id,"pageval":"1"},function(data){ //alert(data); $("#showcommentcontent").html(data); $("#commentBoxRes").html('

Thanks for posting the comments.

'); document.getElementById('commentBoxRes').style.display="block"; // $("#Username").val(''); //$("#Useremail").val(''); $("#comment_text").val(''); var nocomments = $('#nocomments_'+18537).val(); //console.debug(nocomments); if( nocomments > 0){ $('#comment_'+18537).html(''); $('#comment_'+18537).html(''+nocomments +' Comments ' ); } }); } $('#commentSubmit').attr('disabled',''); del_cook('keepComment'); }); }else{ $("#showerrorComment").html(errmsg); document.getElementById('showerrorComment').style.display="block"; } } } function posttofacebook(comment_text){ var message = comment_text; var article_title = "Sibling Squabbles Bring on Anxiety, Blues"; var article_page_link = "http://healthmeup.com/news-buzz/sibling-squabbles-bring-on-anxiety-blues/18537"; var story_section ="News"; var story_section_url ="http://healthmeup.com/archive/content/1/1"; var author_name = "Agencies"; var author_name_url = "http://healthmeup.com/author/agencies/489"; var posteddate = "Dec 27th 2012 at 11:00AM"; var article_image_path ="http://images.idiva.com/media/healthmeup/content/2012/Dec/scopophobia_100x75.jpg"; var attachment = {'name': article_title, 'href': article_page_link ,'properties' : { 'Filed under': {'text': story_section, 'href': story_section_url}, 'Author ' : {'text': author_name, 'href':author_name_url}, 'Posted On': posteddate } ,'media': [{ 'type': 'image', 'src': article_image_path, 'href': article_page_link }] }; var action_links = [{'text':'Healthmeup', 'href':'http://healthmeup.com/'}]; //FB.Connect.streamPublish(message, attachment, action_links); streamPublish(attachment, 'Healthmeup', 'http://healthmeup.com/', 'Share healthmeup.com'); } function clearText(field){ if (field.defaultValue == field.value) field.value = ''; else if (field.value == '') field.value = field.defaultValue; } function del_cook(name){ //alert('deleted'); var expdate = new Date(); expdate.setTime(expdate.getTime() - 1); document.cookie = name += "=; expires=" + expdate.toGMTString(); } window.setTimeout(function() { // This will execute 0.5s after the page loads // and it will execute only once if(readCookie('focus_comment')) { $(window).bind('load', function() { $('html, body').animate({ scrollTop: $('#landcomment').offset().top }, 'fast'); $("#comment_text").focus(); Set_Cookie("focus_comment",'1', "-1"); $("#login_thank_u").html('Thank you for logging in. Please go ahead and submit your comment'); $("#login_thank_u").show(); $("#login_thank_u").fadeOut(10000); }); } }, 500);

Post comment as Anonymous

Source: http://healthmeup.com/news-buzz/sibling-squabbles-bring-on-anxiety-blues/18537

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