Category: Finance Specialists

If you are presently in the market to purchase a new home then you are probably excited about the prospect but also overwhelmed by the fact that you need to look for financing in order for this dream to be made into a reality. Just as it is wise and very smart to do enough looking around and shopping when it comes to a new house purchase the same can be said when you are looking for the right mortgage lender. You need to know what lenders are available to you and you need to look at enough of them in order to use them as a source of comparison. The right mortgage lender is out there for you. It is just a matter of making contact with the most appropriate professional for the job. You should speak with at least three or four mortgage lenders. Two is probably not enough but five may be something that your schedule does not allow. Before you sit down with any lender you must decide what is most important to you and then from there you will be able to communicate your needs to the mortgage professional. There are certain things that a good mortgage lender will always do. He will ask plenty of questions regarding your personal financial circumstances in order to get a clear picture of where you are financially speaking and where you want to go. He will make himself as available as possible to answer all of the questions that you find yourself needing to ask, or requiring further clarification on. Be prepared for your meeting with the lender by having a series of questions written down on a piece of paper. The lender will be dedicated and determined when it comes to customizing a loan that is most fitting for your needs and for your financial situation. He will not simply recommend that you take a one size fits all kind of mortgage. It is very hard if not possible for there to be such a loan as everyone’s situation is not the same size. The type of lender that you want to work with is one who will never ask you to do anything at all that will cause you any level of discomfort. He will instead want you to be happy with his work and comfortable with the decision that you make. You want to hire a mortgage lender who makes you a priority of his. You are his client after all and you want to be given a place of importance in his daily work schedule. You want to work with an individual who returns your phone calls in a prompt and timely manner and the same can be said for your e-mails. You probably know many different people who have bought houses. Ask these people who they used for a lender when they were in need of financing to buy. Find out what their experiences were and ask for the names of lenders that they can recommend to you. Once you have some names then do your own research to find a lender who is suitable for your situation. There is no better place to find the largest percentage of lenders then through the Internet.

Submitted by: Chuck Crawford

Lately many of my customers have been asking me this question:

“Which program is better? Adsense or Yahoo Publisher?”

It sounds simple, but the answer is not. The reason being is that both programs work well, but both also have different places when considering whether or not to use them for a specific website.

Here’s why.

Adsense has been around for a while now, and at the moment has the lion’s share of the market in the PPC (Pay Per Click) game. But anyone who has been promoting them on their websites will tell you that the payouts have also gotten gradually smaller as time has gone on. Why? Well it’s easy, they are still the best game in town, so they aren’t worried about losing their publishers to another PPC.

But then came Yahoo Publisher. Which unless you’ve been living under a rock for the past ten years, you already know the name, and know how big that company is. And with the purchase of Overture, Yahoo is coming into the game well equipped and ready for a fight.

So, what’s the difference between the two?

Here is what I’ve been able to learn from my own websites. Yahoo, overall, is paying more per click then Adsense. But before you jump from this article and start changing your code, read on a bit more.

Yahoo Publisher seems to be paying more then Adsense on similar content, BUT… Their ads are not nearly as contextually targeted as Adsense. So this can present a problem for website owners. For example, if you have a website that it’s primary topic is ‘HOME MORTGAGES’, Adsense will display ads that only link to mortgage sites. But that’s not true with Yahoo Publisher. Yahoo Publisher might display some mortgage ads, but also might display a Payday Loan ad (BTW if you need a payday loan, check out this page http://www.thegiftedone.com ), Vonage ads (Vonage must pay them some big money, as they seem to be the default when the script doesn’t know what to do), or some other ad that does not relate to the content of your website.

How do you choose which program is right for your site? This depends on the site itself and the type of surfers that frequent it. If you have a site that is highly targeted for a certain keyword, then I would suggest you stay with Adsense. This will keep the ads focused and targeted to your customers, presenting them with content that they will click. If they came to read about cooking recipes, they probably won t click the Vonage ad. Here s an example of a content targeted website: http://voip.magicanswers.com

However, if your site is more of a surfer hangout, where people go when they are bored, or if your site covers a multitude of topics, then you might be better off loading it up with Yahoo Publisher ads. This type of surfer is more likely to click an ad that s off topic, which in turn would pay you better.

At this point what it comes down to is the click thru ratio. If monitored closely, you can determine what your surfers like and what they don t like. What they click and what they don t click. If one program is not performing well for you, then try the other.

I m sure that as time goes on, Yahoo Publisher will become more targeted, and surely will be more competitive. With Google s Adsense as an adversary they have quite a fight on their hands. My advice to you is this. If you have one website, then optimize your PPC links for YOUR website surfers. If you have many, optimize each site accordingly, but do take the time to test each program. Find out which one will pay you more. Whether you own a giant corporation with hundreds of websites, or a home based business branching out to the internet, the bottom line is always the bottom line. Which comes down to the paycheck. A simple test might lead you to more money, which is always the goal.

Till next time,

Chuck Crawford

About the Author: Chuck Crawford is an established expert in web design, traffic development and website financial analysis. He has been helping people design and develop their internet business since 1996.This article may be reprinted freely as long as all links remain active.

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