VPBank registered to supply forex services

The Governor of the State Bank of Vietnam (SBV) issued Document No. 10359/NHNN-TTGSNH on December 30, to assert that the Vietnam Joint-Stock Commercial Bank for private Enterprises (VPBank) has registered to provide forex services.

Accordingly, the Document asserts that VPBank has registered to conduct foreign exchange services in overseas market.

SBV requires VPBank to strictly comply with the Vietnamese regulatory framework on forex management and other relevant legal documents.

House prices rise 0.9% in November

House prices rose for the sixth month in succession in November, taking the average house price in the UK to almost the same level as a year ago.

Official Land Registry figures put the monthly rise at 0.9 per cent, to £161,554. That is 0.3 per cent below the average price of £162,023 in November last year.

The highest monthly rise was in Wales, where prices jumped by 2.9 per cent in November, today's figures show.

In London, which has led the recent house price recovery, prices were up by 2 per cent and are now 3.5 per cent higher than 12 months ago, at an average of £324,231.

The South East, the South West, London and the East are the four regions to experience overall annual price rises in the 12 months to November.

The West Midlands was the only region in which prices fell last month, recording a decrease of 0.4 per cent.

Dollar slips against euro

The dollar dipped against the euro on Tuesday in subdued trade, with many players away for year-end holidays and before publication of fresh US economic data, dealers said.

AFP/File – A sheet of one dollar bills. The dollar dipped against the euro on Tuesday in subdued trade, with many …

In London morning deals, the single currency rose to 1.4430 dollars from 1.4376 dollars in New York late on Monday, with traders winding down ahead of New Year festivities.

Against the Japanese currency on Tuesday, the greenback was unchanged at 91.62 yen.

Markets were looking ahead to the next batch of US indicators due later in the day, including the Conference Board's December consumer confidence index and data on housing prices, analysts said.

Spyker optimistic on bid for Saab: report

Dutch auto maker Spyker is optimistic about its chances of buying General Motors' Swedish unit Saab and expects a response from GM this week, the Swedish newspaper Svenska Dagbladet reported Tuesday.

"We expect an answer this week ... I am very optimistic," Spyker chief executive Victor Muller told the paper.
The paper last week said GM would not consider a renewed bid for Saab from Spyker and was planning to shut down the troubled Swedish brand.

AFP/File – Dutch auto maker Spyker is optimistic about its chances of buying General Motors' Swedish unit Saab …

Spyker renewed its offer on December 20, two days after General Motors said it wanted to close down Saab.
Swedish press reports have said GM agreed to re-open negotiations on the sale of Saab to Spyker after the withdrawal of two of Spyker's Russian investors.

Car showrooms are reborn as places to play, learn

COLUMBUS, Ohio – With hard times in the auto industry and car dealerships closing around the country, the gleaming showrooms that once featured next year's models are becoming this year's new store, restaurant, school, day care center or yoga studio.

AP – In this Oct. 6, 2009 photo, Sean Donovan displays a painting that shows how the private residence building …

In Lane County, Ore., Joe Softich from Catholic Community Services helps erect shelves and unload boxes for a new food bank warehouse inside a former auto showroom. In Tulsa, Okla., teenagers at Northside Christian Church skateboard in what was once a showroom's auto service center.

Westoba Credit Union Selects Acumen From Fiserv For Core Banking

To improve efficiency through automation for delivering products and services

Westoba Credit Union has selected Acumen account processing solution from Fiserv Solutions of Canada, a subsidiary of Fiserv. Westoba also added two other products from Fiserv to its Acumen solution investment, the ConvergeIT IVR audio response system and solutions from the Wisdom accounting suite.

Westoba officials wanted a technology partner with expertise and reliable resources necessary to deliver products and services. Designed to support the business initiatives of credit unions, Acumen was built from the ground up as a completely open platform using the latest internet technologies. Acumen is available throughout Canada in an in-house, service bureau or resource management deployment model.

Wayne McLeod, CEO of Westoba, said: "Throughout the process we were impressed by the commitment of Fiserv, their knowledge of the credit union industry and capacity to develop a new, modern core banking system like Acumen. Our credit union is growing rapidly and our members demand modern services and continuous access to their accounts. Acumen will empower us to move our organization forward with innovative services for our members, as well as enable us to increase efficiency through automation and support us as we grow."

ICICI Bank Sells PoS Terminal Network To First Data

To cut down transaction costs ICICI Bank has agreed to sell 81% stake in ICICI Merchant Services to US-based First Data Corporation (FDC) for $90m, reported the Economic Times. The India-based bank is said to have recently hived off its network of electronic point of sales (PoS) terminals, which accepts credit and debit card payments, to ICICI Merchant Services.
Reportedly, Reserve Bank of India, the Indian financial regulator, has approved the deal. According to banking sources, the deal value has gone up after RBI has said recently that it would allow merchant establishments to swipe customer cards and offer them cash.

State Regulators Support Proposed Changes To Truth-in-Lending Regulation

Dec 23 - National organizations representing state financial regulators have registered their general support of the Federal Reserve Board's proposed changes to Regulation Z.

In a comment letter sent Dec. 18, the Conference of State Bank Supervisors (CSBS), joined the American Association of Residential Mortgage Regulators and the National Association of Consumer Credit Administrators, to weigh in on proposed changes dealing with closed-end mortgage transactions and HELOC (home equity line of credit) transactions.

Agencies Release Annual CRA Asset-Size Threshold Adjustments for Small and Intermediate Small Institutions

Dec 22 - The federal bank regulatory agencies has announced the annual adjustment to the asset-size thresholds used to define "small bank," "small savings association," "intermediate small bank," and "intermediate small savings association" under the Community Reinvestment Act regulations. The annual adjustments for banks are required by the 2005 CRA regulatory amendments and for savings associations by the OTS 2007 CRA regulatory amendments.

Annual adjustments to these asset-size thresholds are based on the year-to-year change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers, not seasonally adjusted, for each 12-month period ending in November, with rounding to the nearest million.

U.S. Monthly House Price Index Shows 0.6% Increase from September to October

Dec 22 - U.S. house prices rose 0.6 percent on a seasonally adjusted basis from September to October, according to the Federal Housing Finance Agency’s monthly House Price Index. The previously reported 0.0 percent change in September was revised to a 0.4 percent decline. For the 12 months ending in October, U.S. prices fell 1.9 percent. The U.S. index is 10.8 percent below its April 2007 peak.

The FHFA monthly index is calculated using purchase prices of houses backing mortgages that have been sold to or guaranteed by Fannie Mae or Freddie Mac. For the nine Census Divisions, seasonally adjusted monthly price changes from September to October ranged from - 1.1 percent in the South Atlantic Division to + 3.7 percent in the Pacific Division.

Annual Notice of Asset-Size Exemption Threshold for Depository Institutions

Dec 22 - The Federal Reserve Board has published its annual notice of the asset-size exemption threshold for depository institutions under Regulation C, which implements the Home Mortgage Disclosure Act. The asset-size exemption for depository institutions will remain $39 million based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers for the twelve-month period ending in November 2009. As a result, depository institutions with assets of $39 million or less as of December 31, 2009, are exempt from collecting data in 2010. An institution's exemption from collecting data in 2010 does not affect its responsibility to report the data it was required to collect in 2009.

The adjustment is effective January 1, 2010.

MPs ask OFT to investigate credit application scoring

The Treasury Select Committee has been considering the impact of the banking crisis on the consumer and has issued a report on the availability of consumer credit.

The study focuses on the dangers of shopping around for unsecured credit (such as personal loans and credit cards) which can result in would-be borrowers building up a credit application search record that can make it harder to obtain loans in the future.

According to the report, application search scoring has in the past been useful in detecting fraud or a potential inability to pay.

Six charged in Cheshire BS mortgage fraud

A complaint from the Cheshire Building Society (now part of Nationwide) has resulted in six people being charged with offences in relation to commercial mortgage frauds amounting to almost £50 million.
The defendants are due to appear before Southwark Crown Court in January.
According to the Serious Fraud Office: “It is alleged that the defendants participated in a series of frauds whereby they dishonestly obtained loans from banks or building societies … on the basis of … grossly inflated prices, fraudulent valuations and forged leases”.
The borrowers quickly defaulted and the lenders suffered “significant” losses.
Five people have been charged with offences of conspiracy to obtain a money transfer by deception and dishonestly obtaining a money transfer.

Goldman Sachs looks to Spain on bonus tax

Goldman Sachs could move up to one fifth of its 5,000 London-based staff to Spain, the Independent has reported.

The bank, which according to the newspaper is the UK’s biggest contributor of revenue in the financial sector, is in a stand-off with the Treasury over the temporary bonus tax announced in the recent pre-Budget report.

Last week, Barclays’ chief executive, John Varley, warned that the temporary levy of 50% on individual discretionary bonuses of over £25,000 could damage the City.

Kaupthing investigated by SFO

The Serious Fraud Office (SFO) has launched an investigation into the UK activities of Kaupthing, the Icelandic bank that collapsed in October 2008.

Enquiries will centre on the bank’s Kaupthing Edge brand, which held money from over 30,000 individual British savers and organisations, and whether savers were misled into making deposits into accounts that promised high-yields.

Lyondell creditors seek to expand examiner's probe

NEW YORK: Creditors of bankrupt Lyondell Chemical Co asked a US judge on Wednesday to expand an investigation by a court-appointed examiner to

Gang of Five behind LyondellBasell bid RIL's LyondellBasell bid RIL Stock

ensure the petrochemicals company is fairly evaluating proposals from potential suitors.

Lyondell's official committee of unsecured creditors said the examiner should ensure that potential bidders like Reliance Industries have a chance to compete against a reorganization plan offered by a group of the company's senior creditors, which includes current owner Access Industries and private investment

firms Ares Management and Apollo Management LP.

Reliance Industries has offered up to $12 billion to acquire Lyondell, according to sources.
Lyondell's unsecured creditors said in court papers they believe Reliance's offer is superior to the one proposed by Access, Ares and Apollo.

State Street To Acquire Securities Services Business Of Intesa Sanpaolo For EUR1.28bn

To strengthen its presence in high-growth markets outside of the US

State Street, a provider of financial services to institutional investors, has signed an acquisition agreement with Italy-based Intesa Sanpaolo, to acquire its Securities Services (ISPSS) business, with operations in Italy and Luxembourg, for approximately EUR1.28bn in cash at closing.

State Street would acquire the global custody, depository banking, correspondent banking and fund administration portions of the ISPSS business. In addition, assuming the cash balances in the business are consistent with levels at June 30, 2009, State Street expects to acquire approximately EUR11bn in cash deposits at closing.

Santander Zero “Best European Credit Card”

Santander Zero has been named “Best European Credit Card” in the Service Category at the 2009 Oscards.
The awards, which recognise innovation and excellence within the credit card industry, attracted 500 entrants – 64 of which were short-listed across five categories.
Director of Santander Cards, Emma Roberts, said: “In such a tough category, with entries from across Europe and under the scrutiny of our industry peers, it is a great achievement that Zero continues to lead the way.”

Japan keeps rates at 0.1%

The Bank of Japan’s Policy Board has unanimously elected to retain the country’s interest rate at 0.1%.
Domestic and overseas policy changes have helped improve Japan’s economic situation, though it is by no means out of the woods.
Exports, production and private consumption are all getting better and the financial environmentis showing some signs of beginning to improve.
The Bank of Japan has recognised that it is a substantial challenge for the country to see off deflation and return to sustainable growth, but has stated that it will do all it can to encourage this happening.
Earlier this month the Bank of England retained rates at the historic low of 0.5%, a move matched by the European Central Bank which held the eurozone rate at 1%.
An exception to the holding of rates by central banks is Australia, where the Reserve Bank has increased rates by 25 basis points for three months on the trot, with the rate now standing at 3.75%.

Deutsche Borse Unveils Trading With Exchange Traded Notes On Xetra

First two ETNs were issued by Barclays Capital under brand name iPath

Deutsche Borse has expanded its product range on Xetra, by allowing investors to invest in exchange traded notes (ETNs). ETNs are debt securities based on the performance of underlying reference indices. Unlike exchange traded commodities (ETCs), which have been tradable with Deutsche Borse since 2006, ETNs are based on indices outside the commodities sector.
The first two ETNs were issued by Barclays Capital under the brand name iPath. They track the volatility indices S&P 500 VIX short term futures index TR and S&P 500 VIX mid-term futures index TR and enable investors to participate in the development of the implied volatility of the S&P 500 index.
The S&P 500 index comprises the 500 major companies in the US, which are weighted in the index according to their market capitalization. The launch of iPath ETNs on Xetra marks the first time they have been tradable in Europe.
Additionally, parallel to the start of ETN trading on Xetra, Deutsche Borse is combining the ETC and ETN asset classes into the new product class exchange traded products (ETPs). Deutsche Borse’s ETF and ETP product range currently comprises 543 ETFs, 141 ETCs and 2 ETNs.
Rainer Riess, managing director of Xetra market development at Deutsche Borse, said: “We are happy to be able to offer investors another product innovation in cooperation with Barclays Capital. The new iPath ETNs enable investors to make cost-efficient investments in a new asset class as well as further diversify their portfolios.”
Uwe Becker, head of investor solutions in Europe at Barclays Capital, said: “The iPath VIX products demonstrate the characteristics which are vital for the success of any benchmark instrument. They are straightforward to understand, transparent and through our ETN platform, are easy to access for a broad range of investors to trade. They have removed the need for investors to trade volatility through variance swaps or futures.”

LSE To Acquire Majority Stake In Turquoise

To compete with Euro-next and Deutsche Borse

London Stock Exchange (LSE) is on the verge of acquiring 60% stake in rival equities trading platform Turquoise and make up to GBP25mn in investment over two years, reported the Financial Times.
Reportedly, taking advantage of reforms by the European Commission in 2007, which allowed competition between share trading platforms across the region, BNP Paribas, Citi, Credit Suisse, Deutsche Bank, Goldman Sachs, Merrill Lynch, Morgan Stanley, Societe Generale and UBS have established Turquoise lat year to pressurise the LSE to reduce its fees or improve services.
However, due to the global financial crisis, European share trading volumes have been pushed down even as indices have been buoyant. As a result, the banks, with their balance sheets bruised, no longer want to fund Turquoise, reported the newspaper.
Turquoise consists of two types of trading platforms, the 'lit' order book and the 'dark pool'. Acquiring the “lit” pan-European order book of Turquoise is expected to enable the London borse to compete with Euro-next on continental Europe, and with Deutsche Borse.

Banks fear foreign currency capital shortage

Commercial banks are concerned at slow foreign currency capital mobilization while demand for capital is increasing towards the year end.

Unlike the second quarter of the year, when banks could not persuade clients to borrow dollars instead of VND because they had abundant dollars to lend, they are now facing difficulties in attracting dollar deposits.

Banks have all have raised deposit interest rates to attract more capital in foreign currencies. SeABank, for example, has raised interest rates for dollar and euro deposits, now offering the interest rate of 3.7 percent per annum at its highest for dollars and 2 percent per annum for euro deposits

Maritime Bank has also announced sharp interest rate increases of 0.3-0.5 percent per annum for fixed term deposits. Its one month term deposit interest rate is 2.35 percent per annum, which means an increase of 0.3 percent, while 36-month term deposits now have the interest rate of 0.5 percept per annum, now offered at 4.5 percent per annum.

World Bank Provides Additional Resources to Upgrade Rural Roads in Nepal

Washington DC, December 17, 2009 – The World Bank today approved US$ 45 million in additional financing to help scale up Nepal’s efforts at improving the rural road network.

The Rural Access Improvement and Decentralization Project (RAIDP) has been upgrading rural roads in 20[1] of Nepal’s 75 districts since 2005, when the World Bank provided a US$ 32 million grant.  The Government of Nepal and participating District Development Committees (DDCs) have provided about US$ 10 million.  The Swiss Agency for Development and Cooperation (SDC) has also provided US$ 2.1 million for the Trail Bridges component of the project.

With the new financing, the project will expand its operations to 10 more districts[2].  The additional funds will also help meet cost escalations that have occurred on account of the doubling of input prices since 2005.  For example, the cost of reinforcement bars and cement increased by an average of 130 percent between 2005 and 2007.  Costs also increased following an upgrade in technical specification, i.e., moving from gravel to low cost black-top roads.

World Bank Assists Rehabilitation in Northern Sri Lanka

Washington, December 17, 2009 - The World Bank today approved a US$77 million package for Sri Lanka, designed to support the return of 100,000 Internally Displaced Persons (IDPs) to their places of origin in the Northern Province and to restore their livelihoods destroyed by three decades of civil war. The Bank will also support rehabilitation of provincial roads in Eastern, Northern and southern Uva provinces through a US$105 million credit for a Provincial Roads Project.

Sri Lanka’s internal conflict has ravaged the country since the early 1980s and has stunted the country’s development, particularly in the Northern and Eastern Provinces. Most aspects of life suffered: people were displaced, institutions were weakened, and infrastructure was damaged. With the end of armed confrontations in May 2009, Sri Lanka is now facing a historic opportunity for development and reconciliation.

“The challenges of reconciliation and reconstruction are daunting,” said Naoko Ishii, World Bank Country Director for Sri Lanka.  “The approval of this response package by the World Bank’s Board of Directors demonstrates that development partners recognize the challenges that the country is facing and want to help. We trust the interventions initiated by the World Bank-supported projects in the North will build a good foundation for rehabilitation and reconstruction and provide a strong platform for the Government to welcome other development agencies as they too come forward to assist Sri Lanka at this critical juncture.” 

Will your Blogging Idea Make you Money Today?

It is no longer enough just to have a great idea for a blogging web site. It can and will be hard to tell the difference between yours and all the other blogging sites on the web today. The secret is to find your own specialization, and roll with it. No matter if you are starting out, or improving your current blogging site, if you wish to grab a hold of and maintain a grip on the blogging community, you must use your own special appeal to your advantage.

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Morgan Stanley hires Investment Management president

Morgan Stanley has announced the appointment of Gregory J. Fleming as the new president of Morgan Stanley Investment Management, starting in February next year.
Earlier in his career he worked for investment bank Merrill Lynch as chief operating officer and president, and is presently a senior research scholar and lecturer in law at Yale Law School.
Fleming will also gain responsibility for Global Research and a seat on the Operating Committee.
He will report directly to James P. Gorman, the incoming chief executive officer and president of Morgan Stanley, effective from January 2010.
Gorman has expressed his delight at Fleming’s addition to Morgan Stanley’s leadership and stated his own respect for Fleming’s skills and ability to attract and retain world-class talent.

Untaxed offshore savers face 200% penalty

The Chancellor of the Exchequer is raising the penalty for offshore bank account holders who haven’t come clean with HM Revenue & Customs to 200% of tax owed (currently 100%).
In his pre-Budget report, Alistair Darling declared: “I am determined to tackle activities, such as avoidance and evasion, which undermine tax receipts.”
He also confirmed that since April, HMRC has asked for details of at least 100,000 offshore accounts held at over 300 financial institutions.
The new deterrent will come into force once the current “Disclosure Opportunity” ends in January.
The opportunity currently allows offshore account holder to settle up any outstanding tax, plus interest, plus a penalty of 10% of tax owed.
For those making a disclosure on paper, the Revenue expects to receive any unpaid tax by 31st January 2010 and for those revealing all online, the deadline is 12th March.
The first such amnesty took place in 2007, when £450 million was raised by targeting offshore accounts provided by High Street banks.
Around 45,000 people paid their dues but the outcome was generally thought to have been disappointing.
The largest single payment under the scheme was £3 million and the average was £9,000.

AdSense Tips from Google AdSense Specialists

Google AdSense can be a powerful money maker for you if you like it and believe on it. For a new web publisher or blogger, Google AdSense can be the easiest ways for them to start generating revenue from their sites. This is a motivation to them and will give them a taste of making money online.

If AdSense is a money making program that works for you, then I'm sure you are always interested to learn how to improve your AdSense performance. A good way to learn how to use AdSense effectively is through the webinar run by the Google AdSense specialists and experts.

From time to time the the AdSense specialists and experts of Google run a series of webinar focusing on topics like AdSense optimization, increasing your AdSense revenue and taking advantages of new features. These are helpful webinars you can participate for free. Not just you'll learn the optimization techniques that will increase your AdSense revenue but also you can ask questions live to the AdSense specialists through instant messaging.

If you like to sign up for the series of AdSense webinar, here's the link to join:

AdSense Webinar Schedule

There are also previous AdSense webinars that have been recorded. You can watch them anytime.

LBBW announces loss for first nine months

Landesbank Baden-Württemberg (LBBW) has reported its financial results for the first three quarters of the year.
LBBW incurred a consolidated pre-tax loss of €462m, which is an improvement on the previous period which saw lossess exceed €1bn.
However, this does mark a decline from the pre-tax profits for the first two quarters of €215m.
A post-tax loss of €620m has been reported for the first nine months of the year.
The bank has stated that the recent economic recovery will aid its own situation, and that present results do include a number of extraordinary expense items such as restructuring costs.
Chairman Hans-Jörg Vetter has said that the firm is pursuing its restructuring process vigorously, and pointed out that the bank had enjoyed a positive trend in customer-driven business which helped boost operating income to €189m, (up hugely from -€967m in 2008).

Get the Top Selling Affiliate Marketing Course for Free

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The Google Cash Course was originally released by Chris Carpenter. Chris began by putting up his course for sale on Clickbank in year 2003. In just after the first week listing on Clickbank e-book marketplace, the Google Cash course turned out to be the best seller in the 'Money and Employment' category of Clickbank. The course then became the best seller for the next two years and people who are in affiliate marketing know the name of Chris Carpenter.

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Chancellor considers windfall tax on City bonuses

The Chancellor of the Exchequer may impose a windfall tax on bankers whose bonuses exceed a certain level.
According to reports, Alistair Darling is considering a one-off levy, details of which could be announced in his pre-budget report on Wednesday.
Public outrage over bank bonuses has been heightened by last week’s revelation from the National Audit Office that taxpayer liabilities for UK banks amount to around £850 billion, and banks may yet face an annual levy that could be used to offset any future bail-outs.
Last week, Royal Bank of Scotland (RBS) directors threatened to resign when the Chancellor demanded a review of plans to pay bonuses totalling £1.5 billion to the group’s investment banking staff.
According to its legal advisors, the Board of the majority state-owned bank is duty bound to ensure the business is run profitably in the interests of all shareholders.
With RBS’s investment banking division on track to post profit of £6 billion in 2009, the directors argue that £1.5 billion in bonuses is needed to ensure that the best performing staff are retained.
However, the Treasury has claimed the right to intervene in the matter, in the interest of the taxpayers who have bailed out the bank.

RBS directors could quit over £1.5bn bonus pot

Royal Bank of Scotland (RBS) directors could resign if Chancellor of the Exchequer, Alistair Darling, demands they review plans to pay bonuses totalling £1.5 billion to the group’s investment banking staff.
According to its legal advisors, the Board of the majority state-owned bank is duty bound to ensure the business is run profitably in the interests of all shareholders.
With RBS’s investment banking division on track to post profit of £6 billion in 2009, the directors are arguing that £1.5 billion in bonuses is needed to ensure that the best performing staff are retained
However, the Treasury is claiming the right to intervene in the matter, in the interest of the taxpayers who have bailed out the bank.
Last year, RBS paid £900 million in bonuses to its investment banking staff.

Australia raises rates to 3.75%

The Board of the Reserve Bank of Australia has today chosen to increase the country’s interest rate by 25 basis points to 3.75%.
This is the third consecutive month that the Reserve Bank has added 25 basis points to interest rates.
Growth across the world will continue into 2010, the institution has forecast, but will be moderate in major economies which will still be dealing with the after-effects of the financial crisis.
China and the rest of Asia will do better than the rest of the world, as will Australia itself where the downturn was milder than in much of the developed world.
The Reserve Bank of Australia has, over the past few months, gradually decreased the monetary stimulus that was put into effect during the financial crisis and global recession, and may continue this into the future.

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Steve and his expert teams mates, Rob Wass, Dave Sharpe from Highprofits.com and other experts will work with you all the ways to achieving success on the Internet. Here's what the Income Elite team is offering in their massive membership program:

Consumer borrowing plummets as BS savings accounts raided

New figures from the Bank of England show consumer lending falling by a net £0.6 billion in October, with the decline well below the previous six month average of -£0.1 billion.
While credit card lending rose by £0.1 billion other loans and advances fell by £0.7 billion.
However, the Bank said the value of mortgages approved for house purchases rose for the 11th consecutive month to £8 billion in October, up from £7.6 billion a month earlier.
Meanwhile, the Building Societies Association (BSA) has reported a net outflow of savings for the eighth consecutive month.
Balances held in savings accounts at the UK’s mutuals fell by £929 million in October.
After interest credited to accounts is excluded, the sector saw a combined net withdrawal of £1,240 million.
BSA director general, Adrian Coles, comments: “There is little incentive for people to increase savings whilst the Bank rate remains at its current low level, and many may opt to repay debt instead.”

Dubai crisis prompts central bank to offer extra liquidity

The Central Bank of the United Arab Emirates (UEA) has announced that it is making additional liquidity available to commercial banks, including foreign banks, operating in the UAE.
The facility comes with an interest rate at 50 basis points above three months EIBOR (Emirates interbank offered rate).
The move is linked to debt problems at Dubai World, the state-owned holding company for Dubai’s global investment portfolio.
Neighbouring Emirates, Abu Dhabi, has indicated that it will also be offering assistance to Dubai, on a selected basis.
Dubai World’s financial position came under scrutiny last week when the group asked for extra time to repay a $3.5 billion loan that becomes due in December.

IBB marks fifth year anniversary

Islamic Bank of Britain (IBB) will celebrate its fifth anniversary tomorrow, after it became Europe’s first stand alone Islamic retail bank in 2004.
The official celebrations of the bank coincide with Eid, Arabic for ‘festivity’, the second of the year (Eid-ul-Adha) that marks the end of the pilgrimage to Mecca (Hajj).
To this day IBB is the first and only stand alone Islamic retail bank in both the UK and Europe.
During the last five years it has amassed the largest Islamic savings and mortgages range in the UK, and a customer base of over 48,000 including non-Muslims attracted by its ethical and competitive approach.
IBB also has online and telephone facilities to provide customers with a comprehensive service offering.
In addition, Islamic banking has stood up well to the financial crisis due to its disinterest in usury and therefore its lack of SIVs, CDOs and other complex financial products that sowed the seeds of the crisis.
In June IBB was named the UK’s Best Islamic Financial Institution in the Global Finance magazine awards.
Commercial Director Sultan Choudhury has expressed his pride at the firm’s continuing successes, particularly its recent robustness in the face of the financial crisis.

Deutsche Bank appoints new head of research

Deutsche Bank has announced the appointment of Dr. Thomas Mayer as the new head of Deutsche Bank Research, with effect from 1 January 2010.
In addition Dr. Mayer will become chief economist, and he succeeds Professor Dr. Norbert Walter who is to retire from the bank at the end of 2009, following 22 years with the firm.
Presently Dr. Mayer works in the Global Markets Division as chief European economist, and has been with Deutsche Bank for the last seven years.
Before joining the firm he worked for investment bank Goldman Sachs as an economist, holding a similar post with Salomon Brothers.
Earlier in his career Dr. Mayer worked at the Kiel Institute for the World Economy and IMF.
Chairman Dr. Josef Ackermann thanked Professor Walter for his many years of service to Deutsche Bank, and wished his successor, Dr. Mayer, the best in his new post.
by Richard Kilner

Banks to be exposed on £1m plus pay deals

The Walker Review is recommending that banks should be forced to make public the number of their employees paid over £1 million per year, although no individuals will be named.

The review, commissioned by the Government to improve the corporate governance of financial institutions, also wants non-executive directors of banks to be empowered to exert greater influence on risk and remuneration policies.

In presenting the review, Sir David Walker said: “Of course major regulatory issues need to be addressed to assure the soundness of the financial system but there will be significant downside if the regulatory pendulum swings too far.”

He added: “Improved governance can play an important complementary role by instilling greater confidence in the way banks are being run by their boards and overseen by their owners. This should help regulators to strike the right balance.”

The Government intends to include the proposed measures in its Financial Services Bill, which will also give the Financial Services Authority (FSA) the power to act where it deems remuneration in the banking sector to be excessive.

In any event, the FSA will assume new powers aimed at ensuring bonuses for senior bank staff are linked to long term profitability, from next year.

As of 1st January 2010, the regulator will be able to limit bonus agreements to one year; in certain circumstances insist they are clawed back and demand that a proportion of senior executives’ bonuses are paid in shares.

US tax authorities move in on UBS clients

Over 500 clients of UBS are being warned that their account details could shortly be handed over to tax officials in the US.
In August, it emerged that US authorities were investigating over 150 clients of the Swiss investment bank in connection with tax evasion.
The figure came to light as a Florida court sentenced former UBS banker, Bradley Birkenfeld, for helping American clients hide their wealth.
At the time, the bank agreed to hand over the names of certain customers including 4,500 account holders identified by the US Internal Revenue Service as potential tax evaders.
UBS clients in the frame have been given 30 days to lodge an appeal against their details being passed on.
While Swiss banks are renowned for their secrecy, under Swiss law they are not obliged to protect the identities of clients who have been involved in fraud.

Recession encourages more saving and less debt

The difficult economic climate is affecting the behaviour of British people towards savings and borrowing, according to research commissioned by database marketing and consumer insight firm KDB.

The survey shows that over half (56%) of Britons intend to cut their borrowing and almost half (45%) intend to bolster their savings, with the young particularly in favour of saving.

Sixty-eight percent of those in the 18-24 age bracket stated their intent to save more, almost double the 37% of 45-54 year olds with the same idea.

However, the 45-54 year olds are most likely to reduce their borrowing (63%), whereas 18-24 year olds are least likely to do so (43%).

In addition, the English are most in favour of saving, followed by the Welsh and then the Scots, with London the capital of saving and East Anglia the weakest area for more saving.

The results echo similar findings by the Nationwide Savings Index in October, which found that the Index was at its highest level since November 2008.

KDB’s chief analyst, Matt Boot, has described the fact that many are planning to reduce borrowing and increase saving as unsurprising.

Boot went on to suggest that by carefully watching consumer behaviour the financial sector would be better able to tailor their offerings to the public.

Sberbank reports increasing profits

Sberbank has released its financial results for the first 10 months of 2009 so far.
The Russian banking institution saw pre-provisions operating income surge by 27.3% compared to the same period in 2008, with net interest income up 38.4% and net fee and commission income rising by 7.7%.
In addition the firm managed to slice 2.2% from its operating expenses, on a like-for-like comparison.
However, the provisions increased to more than four times those required last year, leading to pre-tax profits of RUB22.1bn, a significant decline from the RUB143.7bn recorded in 2008.
Similarly, net profits fell from RUB113bn to RUB17.1bn this year.
The hugely increased provisions required continue to hamper Sberbank’s net profit margin, however, in recent months this has continually increased.
For the first 10 months of the year net profit was almost double that recorded for the first nine months, a sign of the ongoing improvement the bank is making in its profitability.

Iran Defends Its Freezing of Nobel Laureate’s Assets

TORONTO — Iran on Friday denounced charges by the Norwegian government that it had illegally confiscated a Nobel Peace Prize winner’s medal and frozen her bank account, the IRNA news agency reported. Iran called the assertion an interference into its internal affairs and said the winner, Shirin Ebadi, owed money to the government in taxes.

“We are surprised that Norwegian officials can make such hasty and biased comments and disregard the laws and regulations of other countries,” a Foreign Ministry spokesman, Ramin Mehmanparast, was quoted as saying, adding that Ms. Ebadi, a human rights lawyer, had refused to pay taxes on her prize.

Mr. Mehmanparast denied that Ms. Ebadi’s medal, which she won in 2003, had been confiscated, but his comments indicated that her assets had been frozen.

Telstra Expands Asia/Pacific Network

SYDNEY –- Telstra International, a leading global provider of managed network solutions, today unveiled a series of initiatives to deepen its connectivity in key Asian growth markets in Vietnam, Cambodia, Malaysia and Indonesia. As well, the company announced that it has reinforced its dual-PoP strategy to provide enhanced diversity to its network coverage. Together, the expanded connectivity and diverse network coverage address the growing need to support customers with an advanced business continuity capability.
The various initiatives are as follows:
Through a partnership with Viettel, one of Vietnam’s largest full-service telecommunications providers, Telstra International has established its IP VPN Points of Presence (PoPs) in Hanoi and Ho Chi Minh City, allowing multinational customers to access a highly reliable network, and have direct connectivity to branch offices in Vietnam and Cambodia. The partnership also allows Telstra International to offer customers traditional private line and Ethernet private line services in both countries
Expanded services in Indonesia and Malaysia - new PoP infrastructure has been put into the two countries to enable Telstra International to provide traditional private line and Ethernet private line services to customers. Businesses can now access Telstra International’s comprehensive portfolio of services, enjoy assurance through industry leading Service Level Agreements (SLAs) and access the company’s 24/7 NOC support
Telstra International has expanded its dual-PoP connectivity to 7 major countries in Asia, adding to the inherent resiliency and diversity of its global MPLS network. For customers, the enhanced redundancy options mean improved quality and support for real-time services. It also means that network services are highly available with options for proactive network management and advanced business continuity plans
Expanded IP VPN footprint into Malaysia and the Middle East through a partnership with Telekom Malaysia, the largest telecommunications company in Malaysia

3 Kickass Ways To Make Money Online

Are you wondering and scratching your head how to make money online the easy and decent way, are they really works, are they legit and legal, well i have to tell you yes there are lots of ways you can make money with minimal efforts on your part. If you have passion about to make money online the fast way, here we go.
Let's get started right away:
Create Your Website:
This is by far very basic but very effective way to make money online period, why because websites are internet backbone, websites are the building block of the internet but at same time most overlooked method. Due to fancy words like blogs, social media etc nobody paying much attention to website creation presently. I started this way, opportunity are everywhere if you know where to look, good candidates are your nearest shopping center, pizza shop, arts and craft store, insurance agent, realtor, motor mechanic, doctor office, chiropractor to name a few. You contact directly to them or place ad online classified with local listing, trust me it works.

Freelacne and Developer Writer
I know your heard every day this word but believe me it has lots of variation and tremendous potential to make easily money online. Don't be intimidating this freelance word, let explore what you can do as a freelancer, how about logo designer, graphic designer, editing, copywriting, computer programming, design backgrounds for twitter and myspace, proofreading, consulting, indexing and translating etc. Can you see the potential here, brainstorm yourself within no time your mind flooded with long list of unique ideas, just believe in yourself.

The Top 10 Free Ways to Get Money Online

Finding a free way to make money online isn't easy and might take a lot of time. So, I put together 10 methods of making money online in this post to help you out. I have done research on these money making methods. They were legitimate and didn't cost you money to begin.

No. 10 - Paid Survey

You might already heard about paid survey if you have searched on the Internet for while. The Internet ads told you that you can make a living doing paid survey. So, is that really true? Well, the answer is of course no. The ad messages were exaggerated. But it's true that paid survey can potentially earn you extra cash in monthly basis.

How to begin?
It's simple. Just go to paid survey directory like Yellowsurveys.com and join as many market research companies listed in the directory as possible. There is also a list of companies that are listed under the 'Most Popular' in the Yellowsurveys.com directory. Make sure you join all the companies in the 'Most Popular' category.

The signing up process will take you hours of time since you are going to join many companies. But once you've have completed all the sign up, your work is done. What you need to do next is wait for the paid survey invitation emails send to you by these companies. Not every company pays cash to participants who completed survey. Some companies offer vouchers (Amazon, etc), gift and products.

Pay Per Lead Affiliate Programs Are The Holy Grail For Beginners

If you are trying to make money online for more than one month, I bet you already heard about affiliate marketing.

It's the fastest easiest way to get started online and make some real money.

What most beginners don't know is that you don't need to sell anything to make money with affiliate programs. You can make money when a website visitor perform an action like signing up for more information or downloading a toolbar or screensaver.

Those pay per lead programs are called Cost Per Action (CPA).

If you are new to CPA programs, let me show you how it works.

Make Money Online – The Opportunities are Enormous

If you have always wanted to work from home, and you have a computer with an Internet connection, then what is stopping you? Many people make money online successfully every day, and there is absolutely no reason why you should not be one of them.
If you are not sure where to start, you may want to begin by reading up about online businesses. You do not have to spend a lot of money to learn everything that you need to know about making money online. As a matter of fact, you may not have to spend anything at all as there are tons of good, free information online (the very essence of the Internet!).
Read as much as you can, use your discernment and do your best to not get sucked into any Internet scams. If something sounds too good to be true, it probably is. You will never make money online without putting in some time and effort, so be aware that running your online business will require some work on your end.

Protecting Yourself From Internet Theft While Making Profit Online

Posted by Alan Liew

With the recent increase of job loss, plant closings, and layoffs more and more people are looking for ways that they can earn an income online. However when you are considering a job online you need to also take the time to consider the many different online scams that are out there as well. In order to make yourself more aware you will need to know some of the more common signs.

Most generally money making scams that occur online are usually in the form of incredible and outrageous offers on software and other methods of online business. If you happen to encounter a scheme that seems way to good to be true then chances are you are exactly right. Also you need to be leery of those jobs that state that you do not need any prior experience in order for you to make an astounding amount of money because are probably all scams.

Another thing you need to be on the lookout for is those entire limited product or time offers. These are the offers that like to rope you in with no proof of authenticity and most of the time you will find that you will receive nothing in return except for a loss of cash. There are however, still some legitimate limited slot companies you just need to be sure that you are doing research on the company before you even decide to purchase the product. The money making scams are constantly on the lookout to take advantage of new people just like you.

You should also be aware of those sites that have a wide variety of testimonials from people that have actually claimed to be customers of the client but, these people seem to lack the sufficient information to be able to give you reliable information about the company itself. You need to be sure that you are always doing your own research and be sure that you have a way to check the company’s overall existence and that you have a way that you contact these companies for any questions you may have or extra information that you may be looking for.

Make Money Online – The Opportunities are Enormous

Guest Post by Terrence Taitt
If you have always wanted to work from home, and you have a computer with an Internet connection, then what is stopping you? Many people make money online successfully every day, and there is absolutely no reason why you should not be one of them.
If you are not sure where to start, you may want to begin by reading up about online businesses. You do not have to spend a lot of money to learn everything that you need to know about making money online. As a matter of fact, you may not have to spend anything at all as there are tons of good, free information online (the very essence of the Internet!).

Read as much as you can, use your discernment and do your best to not get sucked into any Internet scams. If something sounds too good to be true, it probably is. You will never make money online without putting in some time and effort, so be aware that running your online business will require some work on your end.

Brute Force SEO Review - EVO II Has Launched!

By Paul Vrieling
If you haven't heard of Brute Force Evo II yet, you have to check this out. It is the most anticipated SEO software ever...and it has just been released!
First off, you can go to Brute Force Evo II to TRY and get in right now. There is a cap to how many people can be members and they do stick to it! It took me a couple months to get in on the original version (it was full) and this one blows that out of the water! The buzz on this version is HUGE, so it will sell out.

You can test drive this powerful software for a full 7 days for 1 dollar if you get in fast enough! This is being capped off at the first 5,000 people and it WILL sell out.

How do you make money online using this software? It will get your websites to the top of Google and that is where all the traffic is. Traffic equals sales! Simple as that. If you are not on the first page of the search results, forget about getting enough traffic to make sales.

InternetMarketing.com - The Place to learn What You Must Learn to Make Money Online Successfully

Do you know that there is one skill you must learn in order to make money online. Without the skill, you will not succeed on the Internet. There were quite a number of lucrative money making opportunities such as blogging, affiliate business, online & and eBay selling, freelancing, membership business, etc. Most of these opportunities provide high earning potential and require minimal start-up capital to begin. But, to succeed with any of these e-business models, you need the one most important skill which is?
Marketing!
Yes, marketing is the most important skill you must learn. Only with marketing, your online money making venture can grow and generate more and more money for you.
OK. Marketing… What a boring topic I need to learn, you say. No! no! no! It is not the marketing you are thinking.

Make More Money in the Coming Holiday Season

Posted by Alan Liew

Is your e-business ready for the holiday shopping season? It’d better be as the online holiday shopping season begins the day after Halloween.

Holiday web sales keep growing every year as more and shoppers go online. Online retailers that don’t get ready for the holidays can expect to loose lots of holiday web sales to their competitors.

Preparing for the holiday rush isn’t hard. You know it’s near and its time to start preparations. Even if you start preparing in October or November you can still get ready in time to get your piece of the holiday web sales. The peak of the holiday shopping spree online is between December 5 and 10.

Is This Common Mistake Holding You From Making Money?

I always ask my students: “What is your target market?” And many times I receive the answer:

“My target market is everybody.”

Then, I have to explain to them how that approach will make them fail and the importance of targeting a small niche. For this reason I want to share with you this article, so that you don’t make that same mistake.

Your product needs to be special. It has to fit the needs of a specific group. Narrow down your potential market or it will become too much. Consider it: you sell glue. OK, what kind? What is it for? Who needs it? Why?

Why the Blogging Turtle Beats the Blogging Hare Every Time!

I have to admit, I started my blog - Residuals and Royalties with a passion and conviction to become one of the top bloggers in the "make money online" niche. I had a great Wordpress design and I was posting every day. Like the hare in the old children story - I started out fast! I was excited to see my blog gaining traffic and for months I kept posting at an amazing pace. Then when I noticed that I was not making the money I had hoped, in fact I was not making much money at all - I did what most bloggers do. I quit. I stopped posting almost altogether. I may have added a post here and there - but that initial drive was gone. This is the reason why I am not a top blogger and if I plan on becoming one - I better start acting more like the turtle.

Being like a turtle requires a slow steady pace of building inbound links to my blog and posting at least 3 times a week. Consistency is the key to success. I just wish someone would have told me that a year ago. The fact is - if you want to be like Shoemoney, Darren Rowse or John Chow - you have to be consistent.

Top 5 Things You Need to Know about Online Surveys

Online paid surveys are becoming very popular among teens, stay-at-home moms, retired persons and everyone who wants to earn some extra par time income. Every day thousands of people register online to various survey sites and hope for a decent part time income. But unfortunately only few of them make enough money online.

Why is it so? The only reason of this is, most of them don’t know anything about online surveys, their methodology, legitimacy of survey sites and which site to join. So first of all, let’s talk about some basic points about online surveys.

Increase Your Conversion Rate by Tracking What Your Visitors are Doing in Your Website

Posted by Alan Liew
There is a new tool called Visitor Spy which was recently launched by Matt Callen you might be interested on. The tool can improve your conversion rate.

Whether your goal is to generate sales, leads or AdSense advertising revenue through your site, conversion rate is your main concern. Knowing well your visitors' movement, action, clicks and the area they always focus on in your site will enable you to make the right changes on your site to fit the visitors' needs and subsequently boost up your earning.

Let say if you want to do well in AdSense, you'll need to put your AdSense ads in the locations of your pages where your visitors will always click links in. Visitor Spy will let you know that good locations.

How To Earn Money From Youtube

Youtube is the most popular video-sharing site online. Many people have already benefited from its services. Talented individuals who used to be unknown in the music industry and show 

business have risen to popularity by simply posting a video on Youtube showcasing their special talents. Many businesses use Youtube to widen their product market reach. Youtube is indeed a free site and it gives many benefits to the people using it. Some of us may have read a few articles on how we could earn money from this site. Others may be totally unaware that earning through this site is possible. There are two ways on how we could do it – directly and indirectly. This site is used as a channel by those who want to earn money online, from individual bloggers to highly successful internet professionals.

Youtube Partner Program – video producers whose created videos have gained popularity and those who consistently submit videos on a regular basis can apply for the Youtube partner program. Youtube also sends invitation to some active content producers to participate in this program. It is required that the video you submit is your original creation. Once accepted, you will have the opportunity to earn money from their revenue-sharing program. You will earn a share monthly from the revenue of the ads on your videos.

Seven Powerful Tips for Affiliate Marketers

Guest Post by Dante Valentino

Affiliate marketing is a very interesting topic. Many people perceive it to be very easy but the fact is that it takes time and effort just like any other kind of business. It really gets lost in translation because of the many successful affiliates who are already making tons of money and showing you their Clickbank screenshots saying how easy it is. When in reality most of them had to pay their dues to become successful and that is what it's all about.

The truth about affiliate marketing is that as easy as it is compared to other kinds of businesses it really does require hard work. So follow these seven tips to ease it up a little.

1) Pick a plan and stick with it. Actually writing down a solid action plan can get you more focused rather than just going at it blindly. There are so many different affiliate strategies that you can easily get lost, so having a plan will keep your thoughts organized and be more effective in the long run.

The Power of Blogging

 Posted by Alan Liew

Blogging is powerful when done correctly. It's also powerfully addicting to some. Are you one of the people who sit up steadily beating the keyboard night after night until you walk around looking like a zombie with the black circles under your eyes? If you are, you're not alone. Many others have caught on as well, and they spend countless hours posting to forums, commenting on politics, religion, business, senseless things, and even shopping.

You've stumbled upon what so many others have stumbled upon and come to the same conclusion - blogging is powerful. And the more you blog, the more you're learning about how many ways it can be used, and how many different ways you can make money with it, or just have fun with it. And you realize what a great tool it is, and what a great asset it is to know how to do it, and do it well.

Money Making Opportunities Using Paypal

Guest post by Anil Gupta

Paypal is the fastest, most secured and most used method for sending and receiving money on internet. It’s really hard to find a website or business online that don’t use paypal as a mode of transferring money. So we are losing lots of money making opportunities if we don’t have a paypal account. You should go for a Premier or Business account on Paypal if you are serious about making money online using Paypal.

Here are some ways we guys can increase our online earnings to great extent if we have a paypal account:

Paid blogging websites – I have been a big fan of paid to blog websites as these websites gives us the opportunity to earn cash instantly. Some of popular get paid to blog networks are ReviewMe, SponsoredReviews, Smorty, Blogsvertise, Payperpost etc. Most of paid blogging websites send money on monthly basis, but there are some websites even who send money to all qualified bloggers on fortnightly (SponsoredReviews) or even on weekly basis (Smorty). So you are going to miss this big money making opportunity if you don’t have a paypal account.

Paid survey websites – As we all know, paid surveys are supposed to be the easiest and most recommended method when we talk about making money online whether we have a website or not. But there are some survey filling websites that never pays to their members who helps them earn millions of dollar for free. There are some websites even which ask some kind of registration fees from their members for taking surveys. I would not love to go for such websites that demands any kind of money from my end for taking surveys. Good thing about the survey filling websites that actually pays via paypal, check or directly into your bank account.

Text link selling websites – You have a good chance of making money by selling text link ads on your blogs if you have a blog with some decent page rank good number of backlinks. Some of popular text link selling marketplace are Text link ads, TNX.net, Teliad, textlinkbrokers.com etc. Most of these websites send all payments via paypal or check. Good thing while accepting payments via paypal is that it is credited into our paypal accounts very fastly compared to other mode of payments like Check.

Ways of Making Money Online

Making good amount of money online is no longer a dream now.It has become a reality and people who are prepared to devote their time and are persistent & patient make handsome amount of money from their websites and blogs.Following are some popular methods to make money online.

Earn money from Google Adsense
Most popular way to make money online is by Google adsense.When the blog/website gets popular and get good amount of visitors then the owner of the blog/website can get registered free with advertisers like Google adsense.Once Google adsense approve the blog or website then the blog/website owner gets html code from google adsense which he/she has to put in places where he wants the advertisements to appear in his/her blog.When the blog visitor clicks on the advertisements then blog or website owner gets paid by Google.

Earn money by affiliate programs
Affiliate programs involves promotion of a product or service in your website/blog.First of all blog/website owner has to search for websites like clickbank that are offering affiliate programs and get registered with these websites free.Once registered these websites provide blog/website owner html code containing a purchase link which the blog owner has to put at a place where he wants that "purchase" link to appear.When blog/website visitor clicks on these links and buy anything then blog website owner gets paid a commision.

Earn money by selling your services
make a website or blog where you provide all the information about your field of expertise and your experience in the field with some testimonials.These field could be web designing,data entry,web hosting,internet marketing etc.Promote this website or blog heavily.Interested people who want your services will visits your site/blog,will contact you and will let you know about kind of services they require from you with payment details.

Free Make Money Video Course - The Clone Cash System

I just came across a new and interesting free internet business video course called “Clone Cash System” that I believe you’ll all be interesting in.


I think it’s the first time that I’ve come across such a valuable resource that is 100% free, no strings attached. There are no up-sells, cross sells, one time offers or advertisements.

Some of the so called guru’s out there will seriously flip out when they see this and for good reason. This is far better than a lot of the guides I have both reviewed and paid $50+ to gain access too.

You can see the video here:

http://www.CloneCashSystem.com

The course has been developed by Steve Peirce a relatively unknown internet marketer.

But here’s where it gets really interesting. In his video course Steve reveals how he makes six-figures online and takes you through his EXACT formula with 20+ step-by-step video tutorials.

How To Make Money With Ebook Kits

If you have been researching ways to make money online you probably know that selling informational products such as ebooks, reports, audio, video etc. is one of the most common and lucrative internet business models online.

However, the problem is that most of the ebooks you find online are junk and it seems almost every “Tom” “Dick” and “Harry” is selling ebooks some way or the other – and most of these people are making small pocket change if anything at all.

Why Most Ebook Sellers Fail

• Ugly Graphics: Have you seen most of the ebook cover graphics out there? They look like a 2 year old designed them. Would you go to a bookstore and buy a book that had an ugly cover? I didn’t think so. The same applies online. The ebook cover has to look great.

Meeting the Challenges of Providing Freelance Services

Providing freelance services is not without its unique challenges. Forget those images you see of the work-at-home freelancer who becomes incredibly rich and only works a few hours each week. Providing freelance services is a business just like any self-employed profession and you need to be aware of the challenges you will face and have a plan of how to meet them. Once you know how to meet them and have success at it, freelancing becomes an even more enjoyable and profitable venture. Here are some of the challenges you will probably face and some suggestions of how to meet them.

Get over the shock of how difficult the work can be. Too many new freelancers go into it thinking that they will have set or reduced working hours but quickly find out that the opposite is the norm. This is especially true when first starting out and trying to build a market presence and client base.

Forex Trading is Another Online Money Making Opportunity

If you are passionate about investing, then Forex trading will probably be an interesting subject to you. But if you don’t know much about Forex trading, you may want to look into it because it is one of ways that can help you make money online. The way of profiting with Forex trading works much the same way like stock trading. Buy low sell high or sell high buy low. Either way you'll make money.

The Forex is a worldwide market opening 24 hours a day; closing in weekend. Anyone can enter into Forex market anytime to trade currency. And getting started is easy. All you have to do is open a mini forex account with a reputable Forex company such FXCM INC, FX Solutions, GFT Forex and many more.

To make money online from Forex trading, you need to profit consistently from most of your trades. There are numerous Forex technical analysis tools, charts and strategies that can help you out on this. But it will take some time to learn how to apply them.

MetaTrader 4 Expert Advisors

Here you can download MT4 expert advisors which can be used with the MetaTrader Forex trading platform to enhance your currency trading results combining it with the automated trading or expert advising. Only best strategies embedded into expert advisors are presented here. You can test and change them freely before using on your real or demo Forex account. My own testing results are also included for your information. All expert advisors were selected to bring at least 10% yearly profit with maximum drawdown not higher than half of the yearly profit.

Forex Books for Beginners

Here you will find the Forex e-books that provide the basic information on Forex trading. You can learn basic concepts of the Forex market, the technical and fundamental analysis. While all these e-books are recommended for every new Forex trader, they won't be very useful to the very experienced traders.

Almost all Forex e-books are in .pdf format. You'll need Adobe Acrobat Reader to open these e-books. Some of the e-books (those that are in parts) are zipped.

How to Make Money Online Without Spending Money

In the business world, you are required to spend money in other to get more money. This separates the serious business owners from the non-serious ones. But having an online business is different from the traditional business. In the online business, you can use a blog and make money from it. You don't have to spend money hosting your blog or to pay for any service. If you want to make money online without spending any money, these are what you should do.

Make Money Online as a Freelance Graphics Designer

As long as you have the necessary skills, being a graphics designer can be a wonderful opportunity to make money online. As a freelance graphics designer, you can work from home or make money from wherever you please.

In order to excel in this field, you will need the skills and passion for making art. Whether your interest is in designing tattoos, logos, sketches, drawings, or grand paintings, your love for art can pay off in this exciting industry. All you really need is to have a good program like Adobe Photoshop and learn everything there is to know about it. The rest will be up to your creativity and skills.

Tips for Avoiding Your AdSense Account Getting Banned by Google

I have seen quite a lot of AdSense publishers posted in different forums stating that their AdSense accounts were banned by Google due to fraudulent clicks. Most of these people claim that they are innocent and have never clicked on their on AdSense ads. So they have no idea why click fraud can occur on their AdSense accounts. The truth is click fraud can happen in several ways and not necessarily caused by the AdSense publisher himself/herself who accidentally clicked on his/her own AdSense.

Below are some of the tips to protect your AdSense account:

Use Drop Shipping to Make Money Online

With so many different online money making opportunities out there, it is extremely difficult to tell which ones are real and which ones are scams. There are a lot of different people on the Internet telling you all sorts of different things about making money online. Some of them are probably telling you the truth, while many are just simply trying to make money themselves. In fact, most of the people telling you how to make money online have never even made any money online. With that said, you can be confident that along with the many different opportunities that this blog brings you, comes a very true way to make money online. The opportunity is drop shipping.

For those who are not aware of what drop shipping is, the first thing you need to know is the meaning. There are many different companies out there that we like to refer to as dropship companies. These companies have two things that you need to make money easily on the Internet. They have products and they have services that allow for you to not have to worry about shipping and packaging these products. When you sign up for a membership with a dropship company, you are getting instant access to millions of wholesale products. On top of that, the company packages and ships out the products that you sell to your customers. It is that simple.

Making Real Money with Drop Shipping

Now that you have an idea of what drop shipping is, you will need to know how to turn that into a money making opportunity. There is quite a bit to know about drop shipping, however there are a couple of tips that could really get you a long way. To keep this post straight to the point and valuable, I will get right into those tips. First of all, understand that drop shipping takes hard work and a lot of time. There is really no way around that, so you first must be okay with both of those two things. Other than that, you will need to be willing to make a very small investment to get things going. Remember, this is not different then any other business. There is just a lot less risk and a lot less money to fund.

If you are going to make real money with drop shipping, you are going to need to build a website. The best way to make money with drop shipping is to have your own site to sell products on. Sure, eBay and Amazon are great for starting out but you will never get rich by selling through the auction sites. There is far too much competition and people go there looking to spend the least amount of money. You will be forced to sell for prices that cut your profit down way more than you want. Instead, you want to reach the buyers who just want to find what they are looking for quickly and then purchase it and be done. With your own website you can accomplish that.

You can scale this thing out as big as you want. The important part is that you pick a specific market to build your site around. For example, you might want to have a site that specializes in selling cell phone cases. You would never want to have a site that sells everything and anything. The more specific your niche is, the better. When you are ready you build more sites. The more sites you have the more money you make. There are several good dropship companies out there to work with. All you have to do is put all the pieces together and get ready to work hard. It will all pay off in the long run.

Trading platform NetTradeX

IFC Markets offers full package of new generation trade-analytical software NetTradeX, developed by company specialists. Client terminal provides the user with wide range of possibilities to make transactions with diverse instruments of the financial markets, such as FOREX, CFD, Futures, Stocks, etc. The possibilities and advantages of trade terminal:

* operation in real time with any package of available financial instruments;
* any volume of transaction with an accuracy of 1 unit of the base currency;
* opposite transactions with the same currency at the same time without positions closing (locking positions);
* display of the balance for the instrument with possibility to close simultaneously all opened volume, without separate closure of each position;
* full balance trade on the customer's choice;
* setting different kinds of orders and their combination: market, limit, stop, pending, linked, activated, trailing stop mode, etc., which allow to control flexibly the trading process;
* simultaneous display of several charts with individual settings for each of them;
* different tools for technical analysis;
* flexible settings of terminal interface, which can be saved for each used account;
* efficient providing with news from the financial markets;
* detailed display of account history with each trading and balance operation;
* high level of security for transactions and all incoming and outgoing information;

Own trade platform allows company to react fast on needs and requests of its clients, modifying and upgrading the system in short period of time.

Trading terminal NetTradeX works under the operating systems Windows 2000, 2003, XP, Vista (x32 bit and x64 bit versions).

Download NetTradeX 1.8.0 ( 3.17 Mb )

How to Make Money Online with Affiliate Programs

There are literally thousands of affiliate programs on the internet that you can join for free and market the products for commissions on each sale you make. Being an affiliate marketer is one of the best ways to make money online and here are some of the reasons why...

- You don't have to create a product
- You don't have to build the sales site
- You don't have to deal with customers or refunds
- You don't have to stock inventory
- You don't have to ship or deliver the product
- You don't have to do anything except market and get paid

As you can see there are several positives of affiliate marketing and those are not nearly all of them. There are also others such as the potential to earn thousands of dollars per month and the ease of entry into becoming an affiliate marketer.

Most people who work at a regular job could work at the same place their entire lives and still not earn as much money per year as a good affiliate marketer makes in a few months. It is very possible to make a very good living online by marketing products and services through affiliate programs.

Here are some tips on how to make money online with affiliate programs...

1) Pre-sell to Your Visitors

You need to warm up your website visitors to a product or service before all out selling it to them. This "warm up" process is called "pre-selling" and it is a great way to make more sales. Pre-selling on a blog or website usually involves posting a review or a personal experience you've had with the product. Don't just describe all the positives or your review won't feel genuine to the readers, you need to list any negatives as well.

2) Cost Per Action (CPA) Offers

One of the hottest ways to make money online right now is through CPA or pay per lead offers. This is great for affiliate marketers because it's almost always harder to generate a sale than it is to have someone fill out a simple online survey or submit their email address on a form. Sites like Market Leverage, Never Blue Ads, Azoogle, and many others have great CPA offers that can be a great addition to any affiliate website.

3) Build Your List

All the top affiliate marketers have a list of prospects that they can email any time they want to get several sales of any new affiliate offer they are promoting. To do this you will need to sign up with a reputable autoresponder service such as Aweber or GetResponse, and put up lead capture pages or opt-in forms on your website.

Your visitors will submit their names and email addresses, and you can email them anytime you want. It's best to send them free and useful information on a regular basis to keep a good relationship with them so they will buy from you when you do send them an affiliate offer.
You can't just hammer them with affiliate offers or they will opt-out and never buy from you again.

4) Search Engine Optimization (SEO)

Getting your website to the top of Google and other search engines for your keywords is a sure way to get a lot of affiliate sales and make a lot of money. The traffic you get from having top search engine rankings will come in day after day with very little extra work on your part once you have the high rankings. And the visitors will be very targeted and looking for what you have to offer.

SEO isn't very difficult but it's also not something you can learn from one article. It's a whole other subject all in itself. Spend some time at internet marketing forums and you will be able to learn all you need to know about SEO in a short amount of time.

5) Pay Per Click (PPC) Advertising

This can be a great way for an affiliate marketer to make a lot of sales but it isn't something you should get into very heavily until you have done some learning and know what you are doing. PPC seems really easy on the surface and the basics of it are quite simple, however you can waste a lot of money very quickly if you aren't careful.

Another thing you need to consider when making money with affiliate programs is to research properly before spending your time marketing an affiliate product or service. Find things that are selling well without an overwhelming amount of competition and make sure the product delivers on its promises. Your reputation is on the line so you don't want to be promoting crappy stuff, and you don't make money if the product doesn't sell.

Basically what I am trying to say is that affiliate marketing can be a great way to make money at home. So, don't hesitate any longer, go find an affiliate program that interests you and get started right now!

Author Bio:
Trent Brownrigg is an internet marketing strategies expert who has been making money online since 2003.