earn $150 per day or more within 30 days

The Affiliate Junktion Program Join Free!

Join the Affiliate Junktion Program today and you will receive the Affiliate Junktion Website Package, 100% free of charge ($199 value)

Together with our personal assistance, you will be able to earn $150 per day or more within 30 days of starting our program. - Click For Terms & Conditions

The Affiliate Junktion Website Package Includes :

• Free professionally designed Affiliate Junktion Website
• Free advertising credits for search engines (Yahoo! & Google)
• Free search engine submission to all major search engines
• Free domain name and $75 credit for hosting your website
• Free personal 1-on-1 support from your Affiliate Mana

just visit this link http://www.affiliatejunktion.com

EARN FREE AND EASY MONEY THROUGH WEB

The internet had witnessed in the past years a new type of cyber communities known as BLOGS.In a blog is A shared on-line journal where people can post diary entries about their personal experiences and hobbies; making them as popular sites.Building a successful blog will never be instant. As from various experiences --- Any blog (or any other website) consumes a lot of time and effort to become popular and successful thus to create revenue.Here In our blog we guide you through essential steps to create a successful, interesting and profitable blog that can, at the end,
generate money 24/7 even if you are asleep.
How is this possible???
Well, you are going to find out in just some minutes. We are just asking you to spare us a small fraction of your precious time to read and to fully understand everything included.

Just Spare some time if u wanna blog for remunerative(or in the sense lucrative) source of profit.

Blogs are easy to set up and maintain Imagine a life where you are paid to write on stuff that interests you, whenever you want,wherever you are. The mere flexibility of blogging makes it easy for you to just kick back, relax and go on a vacation whenever you feel like it.

Just follow these steps

STEP 1 : SETUP YOUR BLOG
First, we need to obtain a blog. There are several options – host a blog
on your own domain or get a free blog. For starters, let’s talk about the free blogs. You can obtain a
free blog at http://www.blogger.com/(OWNED BY GOOGLE, so it will be detected on Google’s radar faster
and you will be indexed faster.)
or the newer (and better!) http://www.wordpress.com/(Wordpress.com, however, is a relatively new option so I
have no comparison on the speed of getting indexed by search engines.).
If you are a techie, you must have heard of Wordpress, a free blog engine that is robust and
infinitely expandable.
After creating the blog familiarize yourself by posting your first post on
your blog and tinkering around with the options and templates .

STEP 2 : BLOG CONTENT
The difference between a profitable blog and a non-profitable blog is the way the blog is written. You see, when people log on to your blog, they are not only looking for information – they are also looking for information they can obtain easily, and better still in a relaxed manner.An extra bonus for your readers would be a great sense of humour,
so try to add funny comments in your articles where they are suitable.

STEP 3 : BLOG CONTENT BRAINSTORMING
Your blog needs to be regularly updated to maintain its readership! Hence,
you must always find fresh topics to write about, and we’re going to discuss how to do
just that in this step.
The very best way to brainstorm is to see what other bloggers have to say about stuff
happening in your field of discussion. And the very best way to find related blogs is
to use http://blogsearch.google.com/ or http://www.technorati.com/.The best way is to establish contact
with other bloggers

STEP 4 : SEARCH ENGINE OPTIMIZATION
Your blog needs to rank high on search result pages of these search engines.
When these people search for information through the search engines and see your site
among the top results, they will naturally click through to your blog!
The art of getting your blog or website onto high rankings on search result pages is called
Search Engine Optimization.
For this the main thing to keep in mind is to give a BEST TITLE for your blog.
For EXAMPLE you can consider my blog I Mean read the matter and see the title U can also edit your
blog format easily but you have to learn a little! HTML for this . Visit
http://www.w3schools.com/
http://wbloggar.com/ for html help
Now, about Google’s PageRank. It’s basically a scale set by Google to measure the
popularity of websites. You can read more about it on
http://www.google.com/technology/

STEP 5 : GOOGLE PAGE RANK
What is interesting is that the higher the PageRank
of a certain website, the more frequent Google’s robots will visit the website to index it.
Of course, the PageRank of a page will also help it to rank higher in Google’s search
engine results. In short, having a high HIGH RANK will bring you many benefits SEO-wise.

STEP 7 : MORE TRAFFIC SOURCES
Turn your blog posts into little “manuals” or articles that help people solve their
problems or offer valuable information and submit them to article directories. These article directories
are like aggregators that collect articles of similar themes together in one place,
Some good article directories to get you started:
http://www.ultimatearticledirectory.com/
http://www.submityourarticle.com/main.php
http://www.ezinearticles.com/

Or another best way is to go to http://www.google.com/ and type +forum and JOIN INTERNET FORUMS

STEP 8: MONETIZING YOUR BLOG(Earning Money Through Your Blog)
You have been working hard to produce good-quality, original content on your blog and
you have attracted a decent amount of traffic by doing so. However, money is not going
to appear out of thin air just because you have traffic. You have to turn your traffic into
money.
There are several ways to generate profits from the visitors of your blog, and Google’s
Adsense programme allows you to do so with ultimate ease. First, visit their website at
http://adsense.google.com/
First, Google’s Adsense programme is a really useful way to
monetize your blog because when users finish reading your newest post, chances are
they want to leave your blog because they have nothing else to do on your blog. If your
Adsense advertisement block is visible on your blog, they might see advertisements relevant
to them and click on them to exit your blog. Ka-ching! You’ve just cashed in on your first virtual cents!

But yes, your profits will only be cents if you don’t “do it right”.

Consult this page for better results https://www.google.com/support/adsense/bin/static.py?page=tips.html/


USEFULL LINKS FOR YOUR WEB :

SIGNUP FOR A BLOG
http://www.movabletype.org/
http://www.blogger.com/
http://www.wordpress.com/

POPULARIZE YOUR SITE AND EARN MONEY:
http://blogsearch.google.com/
http://www.technorati.com/
http://www.linkme.com/
http://www.reciprocallink.com/
http://drnunley.com/
http://www.bignosebird.com/
http://www.recommend-it.com/
http://www.coolboard.com/
http://www.boardhost.com/
http://www.everyone.net/main/html/community_tour.html
http://www.topica.com/ (Free service)
http://www.lyris.com/ (Professional service)
http://www.bignosebird.com/ (Do it yourself Perl/CGI script
http://www.bizweb2000.com/howtoaff.htm
http://ask.ineedhits.com/
http://www.blogger.com/

BLOG DESIGN:

http://buzz.blogger.com/bloggerforword.html
http://www.w3schools.com/
http://wbloggar.com/
http://ecto.kung-foo.tv/
http://www.gotlogos.com/ – LOGO FOR YOUR BLOG
http://help.blogger.com/bin/answer.py?answer=1030&topic=43
http://www.flickr.com/
http://code.blogger.com/archives/atom-docs.html
http://dentedreality.com.au/phpatomapi/
http://www.atomenabled.org/
http://www.typepad.com/
http://www.sixapart.com/movabletype/

ADWORDS:
https://adwords.google.com/

LINK YOUR SITE :
http://www.ericward.com/

SEARCH ENGINES AND BLOG SEARCH:
http://www.searchenginehelp.com/moreinfo/
http://www.se-optimizer.com/
http://www.onlinewebtraining.com/
http://www.academywebspecialists.com/
http://www.searchengineworkshops.com/
http://search.blogger.com/
http://blogsearch.google.com/
http://search.blogger.com/advanced_blog_search
http://technorati.com/developers/apikey.html
http://api.google.com/

SUBMIT YOUR SITE TO SEARCH ENGINES AND PROMOTION
http://www.searchengines.com/ - All about search engines
http://www.jimtools.com// - Submit your site
http://www.grsoftware.net/downloads/grseodemo.zip - software
http://www.seorank.com/
http://www.submitexpress.com/
http://inventory.overture.com/d/searchinventory/suggestion/
http://www.webrankinfo.com/english/seo-news/topic-90.htm




MONETIZE (Earn Money)
http:\\www.google.com\adsense/
https://www.google.com/support/adsense/bin/static.py?page=tips.html -ADSENSE SUPPORT
http://www.chitika.com/
http://chitika.com/application.php?type=mm
https://associates.amazon.com/gp/flex/associates/apply-login.html/

FIND OUT ABOUT GOOGLE PAGE RANK
http://www.google.com/technology/

POST YOUR ARTICLES
http://www.ezinearticles.com/
http://www.ultimatearticledirectory.com/
http://www.submityourarticle.com/
http://www.homebiztools.com/article-dir.htm
http://www.homebiztools.com/article-lists.htm

PING :
http://www.technorati.com/
http://www.pingomatic.com/

ADVERISING:
http://xiaxue.blogspot.com/
http://www.adbrite.com/
http://performancing.com/node/60
http://www.adminder.com/
http://www.smartads.info/
http://www.smartads.ca/ - FOR WEB DESIGNING AND ADVERTISING

FIND PAGE VIEWS:
http://www.statcounter.com/

CONTEST FOR YOUR SITES:
http://www.loquax.co.uk/webmaster/
http://contests.about.com/shopping/contests/mpboards.htm
http://www.list-a-day.com/
http://www.ivillage.com/boards/

FEEDS RELATED:
http://www.homebiztools.com/syndication.htm
http://www.google.com/ig
http://www.google.com/reader
http://www.feedicons.com/
http://www.google.com/webmasters/add.html
http://reader.google.com/

PRINT DESIGN:
http://www.3dimentionaldesign.com/

MARKETING TOOLS
http://www.smartads.info/newsletter
http://www.thewebclinic.com/
http://www.boogiejack.com/html_tutorials.html/
http://www.htmlgoodies.com/

JOIN GROUPS:
http://groups.yahoo.com/
http://www.topica.com/
http://groups.google.com/

FOR WRITING AN ARTICLE:
http://www.freesticky.com/
http://www.accordmarketing.com/tid/archive/write.html
http://www.glossarist.com/

SUBMIT POST TO PRESS RELEASE
http://www.prweb.com/

GOOGLE CODE:
http://code.google.com/
http://code.google.com/feeds/featured.xml
http://code.google.com/feeds/updates.xml



EXTRA HELP FOR YOUR SITES
http://www.adv-marketing.com/business/
http://www.magnet4web.com/
http://www.hugeaffiliates.com/
http://www.Freesticky.com/
http://www.mnot.net/rss/tutorial/
http://blogs.law.harvard.edu/tech/rss/
http://www.xml.com/pub/a/2002/12/18/dive-into-xml.html/
http://www.freeautobot.com/
http://www.directoryofezines.com/
http://www.ClickBank.com/
http://www.thewritemarket.com/ezine.shtml
http://wbloggar.com/download.php
http://ecto.kung-foo.tv/
https://www.google.com/analytics/ - keywords
http://inventory.overture.com/d/searchinventory/suggestion/

If you want to search for any topic the best way is to use the SEARCH ENGINES like
http://www.google.com/ or http://www.yahoo.com/ http://www.msn.com/

NEWS GROUPS:
http://news.google.com/
http://www.rocketnews.com/
http://news.yahoo.com/
http://www.blogpulse.com/
http://www.marumushi.com/apps/newsmap
http://www.cs.umd.edu/hcil/treemap/index.shtml
http://www.nytimes.com/
http://www.boingboing.net/
http://labs.google.com/
http://www.google.com/press/
http://googlepress.blogspot.com/atom.xml
http://blog.searchenginewatch.com/blog/
http://feeds.searchenginewatch.com/sewblog
http://researchbuzz.com/
http://slashdot.org/search.pl?tid=217
http://www.onfocus.com/2006/03/3789
http://google.weblogsinc.com/
http://www.usabilityviews.com/simply_google.htm

Why To Use A Secured Loan

Why would anyone want a secured loan?

• Easier to obtain. Unsecured loans are almost always cheaper for those with decent credit scores, but secured loans provide lenders with, well… security, so they're more willing to lend to poor credit scorers.
  
  
  
• Big borrowing is possible. The maximum unsecured loan is £25,000 yet secured loans can be £75,000.
  
  
  
• Borrowing over a longer period. Secured lenders prefer loans to last longer to help offset hefty set-up costs, usually from five to 20 years. Unsecured lending is usually one to seven years. Borrowing for longer does reduce the monthly repayments, but substantially increases the total interest repaid.

First Note About Secured Loans

The loans are very important for the survival of the people in today's environment because the prices of the products whether they are durable products or whether they are perishable products are very high, the middle and the poor class people are not able to purchase the products very easily, even if they want to buy any small property for it also they have to go for loans. Loans are some how very essential factor in the lives of the people, because they are getting loan to meet the demands of the day to day. The loans make the life of the people wonderful, now they can easily get the loans at anytime but the fact remains very hard that the people have to pay the interest rate too. The interest rates make it hard for the people to repay the amount of money. The secured loans are always less risky and by giving these types of loans the lender should not be worried about having the payment back because the borrower has given him the valuable asset as well as a security. The secured loans are the best loans because by giving these types of loans the lender is not going to have large number of risks. Following are some of the examples of the secured loans and these are as follows:

• Mortgage loan is one of the very important examples of the secured loan.

These loans are basically protected by different types of the collateral, and because of this the risk rate is very low in this type of loan. Following are other examples of the secured loans and these are as follows:

• Home Equity Loan.
• Second Mortgages.
• Debt Consolidation Loan.

Secured personal loan is the specific type of loan which is actually secured by the home. These loans are some how less risky for the lender. The lenders should not be worried about the repayment of the loans that whether they are going to have the loan back or not. Best loans are those in which there is less risk about the repayment. Secured personal loans are very helpful for the needy people. One should go for secured personal loans.

One can get all the information about the secured loan UK because there are many online stores present for the information about the UK loans. If you want to go for the loans then one should decide the type of loan after comparing the different types of loans with the particular interest rates. It is not necessary that every one keep a good credit history, so it doesn't mean that the people with bad credit are not eligible to go for the secured loans.

Now one can apply for the bad credit secured loans very easily. There are many banks and other financial institutions which are providing the bad credit secured loans to the people. But the good credit history is always an extra point for the holder, the person with good credit history can avail the lower interest rate. Secure loans are always valuable for the lender and also for the borrower. These loans are not specific for any class of people, but all the classes of people can apply for this type of loan. One can get the detail information about the secured loans UK. The people who are really interested in the secure loan can get all the information related with it from the financial journals and also from other financial institutions. Before getting this type of loan one must go for the cheap secured loan. There are many different types of loans which are very beneficial for the people including the best secured loans.

The information about the secured loans for the needy people is available on the internet sites and other financial magazines and books. The loans are some how the other key to luxurious life. The luxurious life is not easy to have, for this life one needs to go for some hardships. The hard and the worst thing about the loan is that one needs to pay the interest rate, it is not necessary that the person is having the low interest rate, it also depends upon the type of loan which the person is getting. The loans are used for the following purposes and these are to buy the home appliances, to buy the television, to buy the real estate, people are getting loans for getting the property on the beaches. In Florida, there are so many beautiful beaches present, and people try to visit this place for comfort and relaxation. These beaches are worth for the people, tourists from all around the world love to visit these beaches for enjoyment, for enjoying the people use to have some money and for these there are large number of people who are going for the loans, they use to get loans for the sake of enjoyment and for the sake of buying the property.

There are different types of loans present for the people and from these loans one can really enjoy the luxurious life. The banks and other financial institutions are the sources from where one can get the loans at the interest rates, not all the banks are providing the same interest rates on the particular type of loan. It is a fact that there are many financial internet sites available for the information of the people. These sites are equipped with large number of information related with different types of loans. The people are supposed to have detailed information about the loan and it is the duty of the bank or other financial institution to provide the accurate information to the people about the loan.

Simply put, they are a loan only available to property owners (or mortgage holders), where the lender can forcibly sell your house to get its money back if you can't repay. The 'secured' bit means the lender gets 'security' not you, as if there are problems, it can repossess your home.

When we normally talk about personal loans from a bank or building society, these are unsecured, which means there's no automatic link to your home (so non-homeowners can borrow this way too). While technically it is possible for an unsecured loan lender to get what's called a 'court charging order' on your home (which could lead to repossession) if you can't repay, this is much more difficult and less likely for it to do.

Tips For Increasing Adsense Income

What is the next job to do after joing adsense?

How to increase my earnings?
Every junior adsense publisher will search for the answers to above questions.It is natural because of their poor earnings from adsense.
We have to follow the great tips to increase our earnings. I have discussed the valuable tips to increase the adsense revenue. So apply them for your site or blog and generate more money from your website or blog.

The Golden tips are:
1) Select a top paying keyword to design the website.you have to select the keyword in such a way that it is related to your sites data.Use your top paying keyword in the Heading of your site and in the text.
2)Choose the keyword rich text to attract good ads on your page.
3)Optimize your website with different Adsense Optimization techniques that are available on net
4)Blend you Adsense ads into your web pages
5)Use Google's Custom Channels for each of the ad units on your site
6)Optimize each page for adsense
7)Use the full allowance of ads available to you on each page
8) Maximize your success with other google products like downloading firefox with google tool bar etc.....
9)Submit articles to different free article sites .with this u get many back links
10)Start exchanging Links with Other Webmasters
11)Add a blog to your site and ping weblogs.com
12)Submit your blog address to different blog search sites and directories
13)Start creating RSS feeds for your site and submit the feed URLs to the major RSS feed directories online.
14)Become an active commenter and get back links from different blogs
15) follow other SEO Techniques to get more traffic
16)Submit your site or blog to different search engines.They crawl your site and index them to search engines.Then you get free traffic to your site

Facts about the Bad Credit Loans

There are many issues which the person has to confront like the following:

• The business loss
• Any other financial problems, like the house and unable to purchase the house etc.

There are many solutions for those who want to get out of these issues and the solution is bad credit loan. The interest rate which is applied on the loan is very high so the first priority of the creditor is the people who needs the bad credit loan. Following are the types of the bad credit loan and these are as follows and we are here talking about the personal category:

• Secured
• Unsecured

The owner of the home can go for the secured one and the person who is not the owner of the home can go for the unsecured one. One should give the loan to the people who lies into the category of the people who are known for their good history of credit, because in the bad credit, the interest rate is so high that sometimes the borrower is not able to pay the money back in the recent time, and comes into the category of defaulter and that's why the creditors should check the history of the debtor before giving the loan to the owner. Secured loans are for the following purposes and these are mentioned below:

• House
• Jewelry
• Real estate etc.

We can call the loans which fall into this category because the creditors can get the money back from the borrower by selling the assets if the borrower is not able to pay the money back to the lender. Debt consolidation loans are somewhat very suitable for this people who have a very strength full history of the bad debt. If you are getting loan or owner loan then it is your responsibility to give the amount back to the institution because other wise it is very unethical. The people who in the past were not paying the payments falls into the category of weak credit history but there is a way for them too to get the loan which is bad credit loan.

The people who fall into the category of bad credit have to face a very tough time because it is very difficult for them to get the lenders for bad credit loan and after finding those lenders it is very difficult for them to pay the amount back as because of very high interest rate. The bad credit loan could be for the house, auto etc. But the interesting thing is that even if the person has a very bad history of credit even then he or she can apply for the loan.

If one has done the following things then one has a bad history of credit and these are as follows:

• If you are late while making a payment.
• If you have missed any type of payment related with the loan.
• If you have done any default.

Because of the bad history you might be getting the low loan as compared to those getting large amount of loan and this is just because of their good history, the interest rate is also very high as compared to the others. Loans for bad credit are something that is hard to bear because of the high interest rate. But there is always a way for getting thing done and loans with bad credit history is also very popular nowadays.

Loan with bad credit is not a science; the one can get the loan very easily. One can know about the requirements of loan for bad credit people. If we see the environment every one is taking loan for meeting the demands of the families. The children of today's are very demanding and the parents always try to fulfill the needs and to satisfy the needs the people use to take the loans and then pay the money back after some time, and now the loans for people with bad credit history is just like a peace of cake. So it means one can also go for the loan for bad credit history.

Bad credit financing is now possible and the people with very bad credit history can also take advantage of getting loan. There are many financial internet sites which are providing the information about the consolidation loan bad credit. The technology is playing a very important role in distributing and providing the information about the bad credit debt consolidation loan. The people who are interested in these types of loans must be aware about the bad credit consolidation loans. The best and the ethical way to avail the loan is that one must repay the amount to the lender because the lender has given the amount on the basis of the trust and the commitment. To finance bad credit loan involves commitment and the borrower should fulfill all the requirements and the commitment of the lenders. With the history of bad credit, cash loan is now possible for the people. The people with bad credit need loan more anxiously than the people with very good and marvelous history of credit.

The most important thing for the people is that when they get the loan then they should pay the money back on the due date, because it is the liability on the borrower to pay the money back. It is very important to pay the money back on time because otherwise the borrower has to pay more amount of interest. The good credit history can lead to a good future for the person because due to the good history the borrower can take the loan on lower interest rate.

Bank Loan Types

Bank is the institution where the transaction of money takes place. It is the financial institution where the people use to transact their money and also these institutions do the lending process. Bank is a place where people save their money for the future usage. One can see that, mostly people have opened their bank accounts in many different banks, this they did just because to save their money from time to time for the future. Banking sector is emerging every day by providing the services of different types to the people. The businesses are taking a great extent of support from the banking sector, because banking sector provides loan to the people for seeking great opportunities. The bank offers many services for the sake of the profit; every organization is running for getting the profit, not for the losses, every one wants to have money to meet the desires and needs of the families, so everything in the world is made for the sake of good will. The accounts in the bank help the individuals and the companies in the following ways:

• To pay the bill
• To receive the money
• To track the money etc

Banks are the great resource for the countries; the World Bank is the largest financial institution which is offering the funds and the knowledge to the countries which wants to invest the money in the worth while projects.

The commercial bank and the investment bank are two different types of banks. The commercial bank is dealing with the companies where as the other type of bank deals with the capital market. There are many types of loans which the banks are providing to the people and these are as follows:

• Secured loans
• Unsecured loans

The investment banks offer the business to increase the money by selling different securities in the markets. These banks help the people and offer the following services to the people and these are as follows:

• Mergers
• Acquisitions
• Divestiture
• Derivatives
• Fixed income
• Foreign exchange
• Commodity
• Equity securities.

So these banks are really helpful for the people in the above mention trade. Before taking the loan one should Cleary have knowledge about the bank rates, these rates are sometimes very crucial for the borrowers so to avoid any default one should be clear before hand.

So one can say that bank, a financial institution is one of the best way to have the loan of any kind. The people wants to have the loan but always want to have the loan on low interest rate so one should be informed properly about the bank interest rates so to make a very good decisions in terms of loan. There are many financial banks providing the loans and different services related to the loans to the people. Banks for loans are very famous among the people, because large percentage of people goes for loans by the agreements with the banks. If the customer wants to go for loan then one should be properly informed about the best bank rates. The bank officer and the executives should be informed about the bank rates in details otherwise they might be facing very tough time in getting the payment bank in time. Home loan bank offers the loan to the small enterprises and the small businesses.

Mortgage banking is very common now days and in this type of banking the customer is in direct relation with the bank. The size of the bank varies. Lending is the only purpose of the mortgage bankers, because they are especially specialized in the lending procedures, they are also very competitive in their fields. Financial banking is a not a very easy task to do. The financial analysts are doing the more complex work than any other person because they are the people who are playing with the facts and the figures. The people who want the loan must know the information about the credit and banking, and also the employees of the bank who are dealing with the credit department must know what the credit and the banking is all about. In bank one can make large amount of money because the bank financing is at its peak now a days and people are getting loans day by day on different interest rates. Banks, loan is an attraction for the people to satisfy different desires and demands of one another, and by the loans now day's people are living luxurious life due to the concept of loan, now one can see car and transport in every home why? Because every one is buying the car in leasing, one can use the car and pay the installments in every month. The people are getting loans for buying the houses, apartments, home appliances, education etc. The banking sector is also providing the loan for the education purposes and because of this the students can study well. One can get the loan and go for studies anywhere but the hard time comes when the person is obliged to pay the loan back to the lender.

The written documentation is very necessary and essential while getting and giving the loan, the signatures and the NIC is very must, and the purpose of all this is to avoid any loss in the future. While going for loans one must know about the interest rate that how the borrower has to pay the interest rate to the lender. If you take money from some one whether it is the institution or whether from any person, you must pay the money back in time according to the ethical considerations.

Secured Loans

AN

I created this post for the people who want to know everything about SECURED LOANS. If you want t completely know about secured loans just take some time to read the complete post, Actually I found this post while I was browsing through the internet ,found it usefull.

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan. The debt is thus secured against the collateral — in the event that the borrower defaults, the creditor takes possession of the asset used as collateral and may sell it to satisfy the debt by regaining the amount originally lent to the borrower. From the creditor's perspective this is a category of debt in which a lender has been granted a portion of the bundle of rights to specified property. The opposite of secured debt/loan is unsecured debt, which is not connected to any specific piece of property and instead the creditor may satisfy the debt against the borrower rather than just the borrower's collateral.

There are two purposes for a loan secured by debt. In the first purpose, by extending the loan through securing the debt, the creditor is relieved of most of the financial risks involved because it allows the creditor to take the property in the event that the debt is not properly repaid. In exchange, this permits the second purpose where the debtors may receive loans on more favorable terms than that available for unsecured debt, or to be extended credit under circumstances when credit under terms of unsecured debt would not be extended at all. The creditor may offer a loan with attractive interest rates and repayment periods for the secured debt.

One popular type of secured loan that is normally only available at a bank or credit union is the savings secured loan. In this type of loan, the borrower must have a savings account with the creditor. A portion of the money in this account is used as collateral to secure a loan equal to the amount pledged. This money is then frozen in the account but continues to earn interest. As the loan is repaid the secured portion of the savings account is freed. This has advantages for both the creditor and the borrower. If the borrower defaults on the loan the collateral is already in the creditor's possession so it is a very low risk. As a result, the creditor usually offers a much lower interest rate. The disadvantage of this type of loan is that it is limited by the available fund in the savings account.

A mortgage loan is a secured loan in which the collateral is property, such as a home.

A nonrecourse loan is a secured loan where the collateral is the only security or claim the creditor has against the borrower, and the creditor has no further recourse against the borrower for any deficiency remaining after foreclosure against the property.

A foreclosure is legal process in which mortgaged property is sold to pay the debt of the defaulting borrower.

A repossession is a process in which property, such as a car, is taken back by the creditor when the borrower does not make payments due on the property. Depending on the jurisdiction, it may or may not require a court order.

Search Engine Optimization

Search engine optimization (SEO) is the process of improving the volume and quality of traffic to a web site from search engines via "natural" ("organic" or "algorithmic") search results for targeted keywords. Usually, the earlier a site is presented in the search results, or the higher it "ranks", the more searchers will visit that site. SEO can also target different kinds of search, including image search, local search, and industry-specific vertical search engines.

As a marketing strategy for increasing a site's relevance, SEO considers how search algorithms work and what people search for. SEO efforts may involve a site's coding, presentation, and structure, as well as fixing problems that could prevent search engine indexing programs from fully spidering a site. Other, more noticeable efforts may include adding unique content to a site, ensuring that content is easily indexed by search engine robots, and making the site more appealing to users. Another class of techniques, known as black hat SEO or spamdexing, use methods such as link farms and keyword stuffing that tend to harm search engine user experience. Search engines look for sites that employ these techniques and may remove them from their indexes.

The initialism "SEO" can also refer to "search engine optimizers", a term adopted by an industry of consultants who carry out optimization projects on behalf of clients, and by employees who perform SEO services in-house. Search engine optimizers may offer SEO as a stand-alone service or as a part of a broader marketing campaign. Because effective SEO may require changes to the HTML source code of a site, SEO tactics may be incorporated into web site development and design. The term "search engine friendly" may be used to describe web site designs, menus, content management systems and shopping carts that are easy to optimize.