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2008-03-17T14:43:00.002+08:00

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Consolidating Federal Loans With Private Loans

2008-03-17T14:43:00.000+08:00

When you are in school, borrowing money…you aren’t very concerned with where the money is coming from. You are more concerned with making sure your tuition is paid for every semester…some how, some way. What a lot of student do not realize is that loans that come from the Federal gov’t cannot be combined with private school loans when you graduate. Actually, to revise that a bit…they can be combined all together, if you pay off your Federal loans with a private loan…which is never something I would recommend. The whole point in taking out Federal loans is because they are better loans to owe than private loans…so what would that accomplish if you forfeited that Federal loan status, just so you had one monthly payment per month? You would end up paying MORE in the long run, and you would also lose many benefits that Federal loan carry…for example:

1) loan forgiveness should the borrower become deceased
2) the ability to consolidate at a FIXED interest rate
4) many deferment and forbearance options

So, if you are a college student borrowing both Federal and private school loans…keep in mind that when you are done with school…you cannot consolidate all these together. You will always have 2 monthly payments. You can consolidate all your private loans together…and all your federal loans together….but they will always remain 2 separate types of loans. For more information about both types of consolidation, you can visit: Student Loan Consolidator

Federal Student Loan Consolidation - Where Are You Hiding?

2008-03-17T14:41:00.000+08:00

If you’ve recently tried to consolidate your federal student loans, you may have found it difficult to locate a company willing to help. Some of the biggest lenders in the market are temporarily not offering federal loan consolidation. So what does that mean for you?

Before we discuss your options, lets first look at why so many lenders have stopped offering consolidation. Two different issues are causing the consolidation pause, legislation and credit markets.

Back on October 1, 2007, legislation was passed which contained provisions aimed to shrink the profit margin lenders were getting on federal consolidation loans. The smaller margin allowed for much less profit with zero room for lenders to offer discounts and borrower benefits. It’s important to understand, prior to the October 1st legislation, lenders were taking portions of their own profits and returning it to their borrowers in the form of rebates, interest rate discounts and cash back. Granted, the borrower benefits were a great marketing tool and attracted droves of borrowers to specific programs - but they still helped the borrower save money. Although these changes had a negative impact on many FFELP lenders, the legislation did contain great provisions that would lower interest rates on federal loans over the next several years.

Next we have the credit market crunch - an indirect result of the sub-prime collapse. In order for a lender to consolidate a borrowers federal student loans, that lender has to pay-off the borrowers previous lenders. This requires that the lender have capital available. Now, there are a number of different ways that a lender can do this, (which we won’t get into during this blog) the most common is securing a line of credit with a bank or outside funding source. The outside funding source provides the line of credit with the notion that the lender will be able to package up a bunch of federal consolidation loans and sell them to other investors (securitization). At which point the lender will replenish their line of credit, and be able to write more consolidation loans. For many lenders out there right now, they are not able to secure a funding source, and therefore not able to write consolidation loans. From an investment standpoint, there is a feeling that federal consolidation loans are no longer valuable. I said feeling, because I don’t believe this to be completely true or do I think it will stay this way for too long.
So, the smaller profit margins, coupled with the shaky credit markets have caused a ‘pause’ in the federal consolidation market. And yes, it is a bit more complicated than what I just described, but you get the basic idea of what’s going on.
Now, you need to consolidate your federal loans, but you have no place to go? The Department of Education is still helping borrowers consolidate their federal loans. However, I would wait until after July 1, 2008. For those of you who still have variable rate Stafford and PLUS loans (taken out prior to July 1, 2006), it looks like your interest rate MAY be going down. Not a definite - just a maybe.
Just to point out, the above changes and the federal consolidation pause have not and will not affect private student loan consolidation.

I will be posting more on this topic in the coming weeks - please send along all your questions and comments.

Private student loan bankruptcy protection denied

2008-03-17T14:38:00.000+08:00

Private student loan bankruptcy protection denied

In the Higher Education Act Reauthorization (HR 4137) currently moving through Congress, an amendment by Representative Davis of Illinois would have extended some bankruptcy protection to students holding private student loans. Unfortunately for students, the amendment was voted down after strong opposition from banks and financial institutions.

The argument against the bankruptcy protection amendment was that its inclusion would ultimately make private student loans more expensive as lenders would need to increase rates and fees to cover loans that were in default and discharged in bankruptcy.

The Financial Aid Podcast has also done an analysis piece on this legislation.
The short version? For now, private student loan consolidation remains the best avenue for making private student loans more affordable.

End of year student loan consolidation tax deductions

2008-03-17T14:37:00.000+08:00

As 2007 wraps up, make sure you’re taking full advantage of your student loan payments by noting the interest you’ve paid this year on your federal student loans. As long as your income is below a certain level, interest you’ve paid on your student loans is tax deductible on your federal tax return.

If you’ve paid less than $600 in interest, your student loan lender is not legally required to send you a 1098-E form in January for interest you’ve paid. You will need to request it.

Consolidated student loans are eligible for the interest deduction as well.
Consult IRS Publication 970 for details about education tax incentives

Student loan consolidation: a balanced perspective

2008-03-17T14:36:00.000+08:00

I was speaking in the office break room with our director of student loan consolidation, Jon Rudy, about how we’re marketing our federal and private student loan consolidation products. We’re in agreement, as we frequently are, that student loan consolidation has a vital role in the education finance process.

Where I think a lot of student loan companies get hung up is on the idea of saving money for students. Student loan consolidation does not save you money over the long term if you only make the minimum payment, because at the bare minimum payment, you’ll be paying off your loan longer.

Think of it this way. If you rent an apartment, over a period of time, you’ll pay a certain amount for rent. If you rent that apartment longer, it costs you more money. If you rent a smaller apartment for longer, it will still probably cost you more money than a larger apartment for less time.
A loan is nothing more than a money rental. You’re renting money from a lender, and the interest you pay is the rent.

What student loan consolidation does is agree to reduce your rent, trading off with renting the money for a longer period of time, if you make the minimum payment.
Our perspective as a company is that students just out of school need to take a few years to get on their feet in their careers and personal finances. During that time period, a reduced monthly payment is just the thing they need. After a few years, when presumably they’re making good use of their education and degree, we strongly recommend that students step up and make more than the minimum payment, ideally making a payment that’s a little larger than the original, unconsolidated loan payment.

Because there are no early repayment penalties, they can effectively get on their feet financially and then be done with the loan in the same amount of time as if they hadn’t consolidated.

Does student loan consolidation save you money? Not necessarily. Does it reduce your monthly payment? Yes, absolutely. But more than anything else, student loan consolidation helps to buy you some time in the first years after school.

Money Saving Tips For The Holidays

2008-03-17T14:35:00.000+08:00

Doesn’t it seem like we were just talking about this? I swear the years go by faster and faster now…

Anyway, for all you students and recent grads out there, the holiday season can be a wallet draining time. In the spirit of saving money, Student Loan Network has pulled together a crafty list of holiday money saving tips and ideas, designed to stretch your hard earned cash a little further this year.
Have any holiday shopping tips or ideas of your own? Feel free to comment back and I will post your ideas (with your permission of course) so others can gain from your knowledge.

Student Loan Repayment Begins

2008-03-17T14:32:00.000+08:00

That’s right - you can’t hide from it anymore. If you graduated this past spring, the chances are your grace period is over and you have to start paying back your student loans. This is not the end of the world for you, just the beginning of a long relationship with your loan servicer. (Technically, the relationship started 4 years ago…but who’s counting)

You have some options. First and foremost, examine your monthly budget, and include your new student loan payments. If you can afford to make the payments, don’t defer or put your loans into forbearance just to save money. When you put your loans into forbearance or deferment, interest will continue to collect on your none-subsidized federal loans, which gets capitalized once you go back into repayment. This basically means that your total payback amount will increase. Not to mention, deferment and forbearance are intended to be used during financial hardships. If you use them up now when you can afford to pay, you won’t have them in the future when you may actually need them.

Still, you can afford the monthly payments, but now you have much less cash lying around. Consider consolidation - you can cut your monthly payment nearly in half. And, there is no penalty for extra or early repayment. So, when you claw your way to the top of the corporate ladder, and land that high paying fluff job, you can payback your remaining loan balance without being penalized.

Finally, don’t forget to consolidate your private student loans. They’re probably going into repayment right about now as well. And if you have a lot of private student loans like me, then consolidating those will also help that monthly budget stay fit. Just like federal consolidation, private consolidation will combine all of your private student debt and lower your monthly payment, without any penalties for extra or early repayment.

RESP Bill Misses Mark

2008-03-15T22:56:00.000+08:00

RESP Bill Misses Mark Students and Faculty Call on MPs from all Parties to Defeat RESP Bill

Canadian Federation of Students and Canadian Association of University Teachers

Thursday, March 13, 2008OTTAWA--

Students and faculty are united in condemning proposed changes to the Registered Education Savings Plan (RESP). Liberal MP Dan McTeague’s bill to increase permissible RESP contributions and make them tax deductible will do little to make postsecondary education more accessible for most students and their families.

"This bill is a bad use of scarce resources and it will cost about $1-billion a year." said Amanda Aziz, National Chairperson of the Canadian Federation of Students. "Reducing tuition fees and increasing need-based grants would be a far more equitable way of providing assistance to students."Recent research from Statistics Canada suggests that families earning over $80,000 per year are the prime beneficiaries of the current program. Under the proposed changes, the yearly contribution limit will be raised to $5,000 from $2,000 and the amount will be tax deductible.

According to Aziz, wealthier families will be the primary beneficiaries of the changes.James Turk, the Executive Director of the Canadian Association of University Teachers, also criticised the proposed bill."We need an increase in core funding for colleges and universities and a renewed investment in basic research through the granting councils," Turk said. "It is very disappointing to see that all of the opposition parties voted for this ill-conceived bill, and we will work with students and other partners to see that it is defeated.

"CAUT and CFS will be joining forces to lobby against the bill in the Senate as well as urging support for a provision in the Ways and Means section of the Budget Implementation Act that voids the bill.The Canadian Association of University Teachers represents over 57,000 academic staff at Canadian colleges and universities.Founded in 1981, the Canadian Federation of Students is Canada’s largest student organisation, uniting more that one-half million students from ten provinces.

Graduate students welcome increase in graduate scholarships

2008-03-15T22:55:00.000+08:00

Graduate students welcome increase in graduate scholarships

National Graduate Caucus

Tuesday, February 26, 2008

OTTAWA-- The announcement of new scholarship money for graduate students will increase access to graduate research positions in Canada and will allow more graduate students to conduct innovative research.

“Graduate student research in Canada is under-funded, and this budget takes small steps to address that,” said Graham Cox, Chairperson of the National Graduate Caucus of the Canadian Federation of Students, “Graduate students play a large role in both basic research and faculty renewal—two cornerstones in maintaining healthy public universities.”

The government announced an additional 500 Canada Graduate Scholarships available for PhD students, providing $50,000 per year for up-to three years of study. In addition, 250 scholarship holders will now be able to get funding to study abroad for one semester.

Budget 2008’s investments in the granting councils were slim and unbalanced. Although the majority of graduate students (53%) carry out research in the social science and humanities, scholarships announced in the budget favour science and technology research areas over the social sciences and humanities by more than five to one.

“The Conservative government has to get past the idea that it has a role in meddling with the university research agenda. Intervening by setting the priorities for independent research goes against the principles of academic freedom and scholarly inquiry,” said Cox.

The National Graduate Caucus is Canada's voice of graduate students, uniting over 60,000 graduate students from all ten provinces.

Federal Budget Delivers National System of Student Grants

2008-03-15T22:54:00.001+08:00

Federal Budget Delivers National System of Student Grants

Replaces Unaccountable Private Foundation

Canadian Federation of Students

Tuesday, February 26, 2008

OTTAWA-- Students welcomed the creation of a national system of grants, announced in today’s Federal Budget. The grants program is being introduced as the Millennium Scholarship Foundation mandate comes to an end.

“The government has taken a positive step towards improving access to post-secondary education,” said Amanda Aziz, National Chairperson of the Canadian Federation of Students. “By implementing a national system of grants, the government has responded to a long standing call by students and their families.”

The 2008 budget provides $350 million for grants to low- and middle-income students starting in 2009, with the total funding rising to $430 million by 2012. The grants will be $2,000 (low-income) and $800 (middle-income) per student per year and provide grants to approximately 245,000 students per year.

The Canadian Federation of Students has been calling for an accountable and transparent replacement for the Millennium Scholarship Foundation since the Foundation’s creation in 1998.

“Today’s announcement marks the end of Canada’s tenure as one of the few western industrialised nations without a national system of grants,” said Aziz, “it was long overdue.”

Founded in 1981, the Canadian Federation of Students is Canada’s largest student organisation, uniting more that one-half million students from ten provinces.

Post-Secondary Education Suffers in B.C. Budget

2008-03-15T22:54:00.000+08:00

Post-Secondary Education Suffers in B.C. Budget
Students Decry College Deficits, Tuition Fee Hikes, and Cuts to Student Aid

Canadian Federation of Students-British Columbia

Tuesday, February 19, 2008

VANCOUVER-- College and university-college deficits, $32 million in tuition fee hikes, and $20 million in cuts to student financial aid Budget 2008 is a dismal picture for students and post-secondary institutions.

“British Columbians need a strategy to address the skills shortage in BC," said Shamus Reid, BC Chairperson. “Cutting student financial aid, increasing tuition fees, and putting colleges into deficit situations worsen the long-term economic outlook for British Columbia, particularly low-income and rural British Columbians."

Ignoring post-seducation is a senseless strategy when the government is trying to convince British Columbians it cares about combatting climate change through research, innovation, and better business and individual practices.”

Government revenues from tuition fees increases by $32 million to $989 million with Budget 2008, accounting for 2.5% of all government revenues. Student loan disbursements are budgeted to decline by $20 million (7.4%), as participation from low and middle-income students continues to decline. Per-student funding will also decline for yet another year by over 3%, and BC colleges are projected to run a collective deficit of $14 million, increasing to $30 million in two years.

“This government will take any opportunity to package a tax cut as a strategy to meet BC’s needs,” said Shamus Reid, BC Chairperson of the Canadian Federation of Students. “Last year it was supposedly housing and this year it’s climate change, but the story remains the same: corporate tax cuts while public services, like post-secondary education, continue to decline.”

Tuition fees in BC are more than $600 above the national average, and student debt in the province is highest in Canada outside the Maritimes, at $27,000.

Victory for Canadian Federation of Students’ Grants Campaign

2008-03-15T22:53:00.001+08:00

Victory for Canadian Federation of Students’ Grants Campaign
Federal Government Must Directly Administer Grants Programme

TORONTO--

Ontario students are pleased that the beleaguered and ineffective Canada Millennium Scholarship Foundation will be wound down. Students have been lobbying the federal government to replace the Foundation with a national system of need-based grants administered through the Canadian Student Loans Program.

“Allocating money for a Canada Student Grant Programme is a step in the right direction,” said Jen Hassum, Chairperson of the Canadian Federation of Students–Ontario. “Students are pleased that a private, third-party foundation will no longer be passed off as the government’s strategy for addressing student debt.”

Though today’s budget allocated money for grants, students caution that the mistakes of the Millennium Scholarship Foundation must not be repeated. For years, tens of millions of federal student financial assistance dollars did not make it into students’ pockets because the Province of Ontario ignored its gentlemen’s agreement with the Foundation.

“The federal government has a responsibility to improve accessibility and reduce student debt,” said Hassum. “Grants for students must be administered directly by the federal government. If delivery of this programme is left up to the provinces, we risk repeating the same mistakes that were made with the Millennium Scholarship Foundation.”

Students to Colleges: “Obay” the Law

2008-03-15T22:53:00.000+08:00

Students to Colleges: “Obay” the Law
Ontario’s Colleges Must Stop Charging Illegal Ancillary Fees Now

TORONTO--

Today, in reaction to the announcement that Colleges Ontario is responsible for the Obay viral advertising campaign, students are calling on Ontario’s public colleges to “obay” the law.

All 24 public colleges in the province have continued to charge ancillary fees that are prohibited by the Ministry of Training, Colleges and Universities, even in the wake of a class action lawsuit that was launched to stop the illegal fees. In June 2007, two former students, acting as representative plaintiffs, filed the lawsuit against Ontario’s colleges to end the collection of tuition-related ancillary fees and secure $200 million in compensation for current and former students.

“It’s ironic that Colleges Ontario has chosen to market itself this way,” said Jen Hassum, Chairperson of the Canadian Federation of Students–Ontario. “If the colleges want to talk about obeying anything, students ask them to explain why they refuse to obey the law.”

Ancillary fees are charged in addition to tuition fees. Legitimate ancillary fees are for certain purposes such as student centres, athletics facilities, extended health and dental insurance, or other services that are supplementary to the basic operations of a college or university. However all of the public colleges in Ontario are charging prohibited, tuition-related ancillary fees for information technology, academic buildings or student support—items that are funded by tuition fees and government capital or operating grants.

Internal government documents acquired through requests for access to information show that the college presidents have been reminded many times by the Ministry not to charge these prohibited ancillary fees.

“Even Premier McGuinty, as an opposition critic, correctly called prohibited ancillary fees nothing more than back-door tuition fee increases,” said Jen Hassum. “The direct effect of unaffordable tuition and ancillary fees is that they discourage many from pursuing post-secondary education at all.”

Students Applaud Leadership of Federal Government

2008-03-15T22:52:00.001+08:00

Students Applaud Leadership of Federal Government
Canada Student Grant Program Established in Federal Budget 2008

Canadian Federation of Students-British Columbia

Tuesday, February 26, 2008

VANCOUVER-- Students applauded the creation of Canada’s first-ever national system of grants, announced in today’s Federal Budget, capping several years of lobbying efforts. The grants program is being introduced as the Millennium Scholarship Foundation mandate comes to an end.

 “The government has taken a positive step towards improving access to post-secondary education,” said Shamus Reid, BC Chairperson of the Canadian Federation of Students. “By implementing a national system of grants, the government has responded to a long standing call by students and their families to reduce student debt.”  

The 2008 budget provides $350 million for grants to low- and middle-income students starting in 2009, with the total funding rising to $430 million by 2012. The grants will range from $800 to $2,000 per student per year and will be provided to approximately 245,000 students per year. 

The Canadian Federation of Students has been calling for an accountable and transparent replacement for the Millennium Scholarship Foundation since the Foundation’s creation in 1998. Average student debt in BC has risen from $18,500 in 2001 to a record-high of $27,000 this year as a result of high tuition fees.

“Today’s announcement marks the end of Canada’s tenure as one of the few western industrialized nations without a national system of grants,” said Amanda Aziz, National Chairperson of the Canadian Federation of Students. “This decision is long overdue.”   

Alternative Budget challenges Feds: Stop cutting taxes, start solving problems

2008-03-15T22:52:00.000+08:00

Alternative Budget challenges Feds: Stop cutting taxes, start solving problems

Canadian Centre for Policy Alternatives

Monday, February 25, 2008

OTTAWA-- The Stephen Harper government needs to give up its tax cut addiction and invest in solutions to pressing problems facing Canadians, says the 2008 Alternative Federal Budget (AFB), released today by the Canadian Centre for Policy Alternatives.

AFB 2008 calls the minority government on its irresponsible $190 billion tax cut giveaway (made in two short years) and presents a budget that addresses environmental and economic sustainability – without plunging Canada into a fiscal deficit.

“Our budget tackles climate change and confronts the financial insecurity many Canadians struggle with. It will make it easier for Canadians to get to work each day and give better opportunities to our children. In other words, we address things this government chooses to ignore,” says CCPA Senior Economist Marc Lee.

“The Conservatives’ answer to everything is a tax cut, but that ideological mindset has led this minority government to squander a huge fiscal surplus. We need to take back those tax cuts and put them to work for all Canadians. Canada is facing big problems – and they require big solutions.”

AFB 2008 works within the context of healthy fiscal surpluses and the looming threat of an economic downturn to deliver a socially and fiscally balanced budget that Canadians can count on – in good times and bad. It also makes this the year of poverty reduction.

“In 1989 our federal Parliament unanimously agreed to wipe out child poverty by 2000,” says CCPA Senior Economist Armine Yalnizyan. “It is now 2008 and child poverty rates are the same as they were in 1989 – yet we have tremendous fiscal capacity to do more.

“The AFB offers a do-able, affordable poverty reduction strategy in an era where Canada can well afford to lower intolerably stubborn poverty rates among our First Nations, women, visible minorities, new Canadians, young families raising children, and seniors.”

The AFB is coordinated by the CCPA and is the result of collaborative deliberations by representatives of a wide spectrum of civil society organizations. It puts Canadians’ long-term interests ahead of short-term political gain, ensuring our national investments benefit the majority and strengthen our nation economically as well as socially.

Student Loan In Canada

2008-03-15T22:38:00.002+08:00

Student Loan In Canada

Government Loans

Canadian citizens, permanent residents of Canada, and protected persons (including convention refugees) are normally eligible for loans provided by the federal government, through the Canada Student Loans Program (CSLP), in addition to loans provided by their province of residence.

Loans issued to full-time students are interest free while a student is in full-time studies. Students receiving a CSL for the first time on or after August 1, 1995 are eligible for up to 340 weeks (approx 6.5 years) of interest-free assistance. Students in doctoral programs are eligible for an additional 60 weeks, up to 400 weeks (approx 7.5 years). Students with permanent disabilities and students who received their first CSL prior to August 1, 1995 are eligilbe for up to 520 weeks of assistance (10 years).

As the length of North American graduate degree programs often exceed this 400 week maximum, students considering graduate study are advised to think carefully before taking out student loans. For example, an honours BA from a Canadian University takes four years, assuming satisfactory progress. MA programs in Canada very in length from 1-3 years, with two years being the average minimum. A PhD, takes on average, 5 years to complete, although many students take significantly longer than this. Assuming a graduate student completes an honours BA (4 years), an MA (2 years), and a PhD (5 years), one can expect to be in university for at least 11 years. This is significantly longer than the 400 weeks maximum allotted to complete a degree by the National student loan program, and graduate students can easily find themselves in a position where they are required to repay their student loans while enrolled as a full-time student.

Funding is available for part-time students through the CSLP (provincial student loans are not available). Part-time students must make interest payments while in study and begin payments of principal and interest when they cease to be a part-time student. Grants may supplement loans to aid students who face particular barriers to accessing post-secondary education, such as students with permanent disabilities or students from low-income families.

Students must apply for the Canadian and provincial loans through their provincial government. The rules for what determines your province of residence vary, but normally it is defined as where you have most recently lived for at least 12 consecutive months, not including any time you spent as a full-time student at a post-secondary institution. In most cases, the province of residence is the province one lived in before becoming a post-secondary student.

Canada Student Loans (CSL) of up to $210 per week of full-time study or 60% of the student's assessed need (the lesser of these) can be issued per loan year (August 1–July 31). Loans issued through provincial programs will normally provide students with enough funding to cover the balance of their assessed need. Part-time loans of up to $4,000 can be made, but a student cannot be more than $4,000 in debt on part-time loans at any one time. All Canadian students may also be eligible for the Canada Millennium Scholarship Foundation Bursary (CMS Grant), and other grants provided by their province of residence.

For example, students in British Columbia may be eligible for a maximum of $14,300 combined loan and grant funding per year.

Students in professional programs

Most charter banks in Canada have specific programs for students in professional programs (e.g., medicine) that can provide more funds than usual in the form of a line of credit, sometimes with lower interest rates as well. Students may also be eligible for government loans that are interest free while in school on top of this line of credit, as private loans do not count against government loans/grants.

Loan Administration and Repayment

The Canada Student Loan (sometimes referred to as the National Student Loan) is administered by National Student Loan Service Centre under contract to Human Resources and Social Development Canada (HRSDC). Students have the choice of opting for a fixed interest rate of prime interest rate + 5%, or a floating interest rate of prime interest rate + 2.5%.
Based on the HRSDC student loan calculator , and assuming a prime interest rate of 4.5%, a standard 10-year (114 month) repayment period, and a loan of $30,000:

- if the Floating Interest option is selected, monthly payments will be $361.02 (principal and interest), resulting in total payments of $41,156.77 ($30,000 principal + $11,156.77 interest) over the life of the repayment.
- if the Fixed Interest option is selected, monthly payments will be $400.50 (principal and interest), resulting in payments of $45,657.54 ($30,000 principal + $16,657.54 interest).

Repayment Assistance

CSLP offers a number of programs to assist students who find themselves facing financial difficulty during repayment. Among these programs are:- Interest Relief , which is designed to help students meet repayment obligations if they are temporarily unable to make payments on their government student loans because of unemployment or low income. Interest Relief is granted for periods of six months, up to a maximum of 30 months. Some exceptions, such as Canadian residency, may apply. Students may also be eligible for a further 24 months of Extended Interest Relief. Once approved for Interest Relief, students are not required to make payments on either the monthly interest or the outstanding principal of their loan(s) (the federal and/or provincial government will pay the interest on a student's behalf).

- Debt Reduction in Repayment is designed to help students facing long-term financial difficulties manage the repayment of their Student Loan(s). DRR lowers the principal amount of a loan, thereby reducing the monthly loan payment to an affordable level based on family income. A student can receive up to three reductions (totaling up to $26,000) on their Canada Student Loan principal during their lifetime, depending on financial circumstances.
- Revision of Terms is a feature that provides students with the flexibility to manage loan repayment in a way that is responsive to individual situations. It can be used to decrease the monthly payments by increasing the repayment period (from the standard 10 years up to 15 years) should a student find the standard terms difficult to maintain. It can be used to increase loan payments by reducing the repayment period, allowing more rapid repayment of a loan.

- Permanent Disability Benefit allows for the reduction of loans for students who are experiencing exceptional financial hardship due to a permanent disability. The eligibility criteria varies based on date of loan negotiation and lender. A recent Access to Information request indicated that over 60% of applicants to this program were denied loan forgiveness.

Canada Student Loans and Grants

The Canada Student Loans Program provides loans and grants to Canadians attending a University, College, Trade School, or Vocational School, if they need help financing their education.
If you’re looking for information about loans, grants, or the program itself, click on a link below to find information particular to your needs:

Student Loans
Grants
More Information About the Canada Student Loans Program
Related Links

New: Reports about the Canadian Millenium Scholarship Foundation

Student Loans

The Canada Student Loans Program enables students with a demonstrated financial need to attend a post-secondary institution by providing them with loans to cover the costs of going to school. In doing so, the Government of Canada attempts to ensure Canadians have the opportunity to develop the knowledge and skills needed to participate in the economy and society.

Applying for a Canada Student Loan

Applying for a Government Student Loan (CanLearn)Determine your eligibility for a Canada Student Loan--find out how to apply for a loan, and learn when you will receive the funds. Some pages within this section will ask you for your student profile in order to provide the information that is most relevant to your situation. You will need to select your province or territory of residence, whether you are (or will be) a full-time or part-time student, and what type of institution you are (or will be) attending.

Designated Educational InstitutionsTo help determine your eligibility for a loan, visit the desidngated list of educational institutions where students are eligible to receive Canada Student Loans.

Financial PlannerThe Financial Planner provides you with three tools to help you finance and budget for your postsecondary education: The Education Cost Calculator, the Budget Estimator and the Online Budget Planner.

Need Assessment Tables for Full-Time LoansThese tables assist full-time students in determining whether or not they are eligible for a student loan.

Student Loan EstimatorThe Student Loan Estimator is an interactive Web application that can be used by full-time students to estimate the amount of assistance they could potentially receive from both the Canada Student Loan Program and provincial funding authorities.
*Important note for residents of Quebec, Nunavut, or the Northwest Territories.
Repaying Your Canada Student Loan

Repaying your Government Student Loan (CanLearn)Visit CanLearn’s “Repaying your Government Student Loan” section to find out when you have to begin paying back your loan, what your monthly payments will be and how to repay your student loan faster. Some pages within this section will ask you for your student profile in order to provide the information that is most relevant to your situation. You will need to select your province or territory of residence, whether you are (or were) a full-time or part-time student, and what type of institution you are (or were) attending.

Debt Reduction in RepaymentDetermine how Debt Reduction in Repayment (DRR) may be able to assist you if you face exceptional long-term financial difficulty. DRR will reduce your outstanding student loan principal and lower your monthly loan payments.

Interest ReliefInterest Relief can help you meet your repayment obligations if you are temporarily unable to repay your government student loans due to unemployment or a low income. Click here to access the Maximum Income Guidelines for Interest Relief.

Permanent Disability BenefitIf you have a permanent disability and you are experiencing exceptional financial hardship repaying your Canada Student Loan(s) due to your disability, you may qualify for the Permanent Disability Benefit (PDB) which allows for the reduction of your loans.

Revising the Terms of your LoanRevision of Terms is a debt management measure designed to help you decrease your monthly payment amount should you be unable to repay your government student loans according to the terms in your Consolidation Agreement.
Tax ReliefClick on the link above to find out what forms of tax relief the Government of Canada offers students.

Grants**

Grants are available from the Government of Canada to increase the participation of under-represented groups in post-secondary education as well as to encourage parents to start saving for their child(ren)’s post-secondary education early. Grants are also available for students in a variety of fields and who are at different levels in their education.
Canada Study and Access Grants

Grants for Students from Low Income Families and High-need Part-time StudentsThis grant is available to first-time students from low-income families at any designated post-secondary educational institution.

Grants for Students with DependantsThis grant is awarded to students who have dependants and who demonstrate financial need exceeding the established amounts in their combined federal and provincial loans.

Grants for Students with DisabilitiesThe Grant for Students with Disabilities provides funds for accommodation, tuition, books, and other education-related expenses related to a student’s disability.

Grants for Women pursuing Doctoral StudiesThe Grant for Women pursuing Doctoral Studies is intended to help increase the participation of women in certain fields of study at the doctoral level.

**Important note for residents of Quebec, Nunavut, or the Northwest Territories.
Other Grants and Scholarships

Apprenticeship Incentive GrantThe Apprenticeship Incentive Grant (AIG) helps apprentices cover some of the expenses related to tuition, travel and tools to reduce the barriers faced by many Canadians who wish to pursue a career in the skilled trades.
Canada Education Savings GrantsThe Canada Education Savings Grant is a grant offered by the Government of Canada to help parents save for their child's education.
Canada Graduate ScholarshipsThe Canada Graduate Scholarship is offered to graduate and doctoral students. Click on the link above for more information.
Canadian Millenium ScholarshipsThe Canadian Millennium Foundation provides a range of bursaries, awards and scholarships to improve access to Canadian undergraduate post-secondary education.
Scholarship SearchThe CanLearn Scholarship Search is a service provided in collaboration with Studentawards.com: the leading FREE Canadian scholarship search service devoted to helping students find information on scholarships, bursaries, grants, and other forms of financial assistance.

More Information about the Canada Student Loans Program

Learn more about the Canada Student Loans Program (CSLP) by visiting the links below:
The Canada Student Loans ProgramVisit the Canada Student Loans Program link to find out more about its mission, how it is organized and an overview of the program.
Acts and RegulationsTo review the acts and regulations regarding the Canada Student Loans Program, please visit the page above.
PublicationsVisit the Canada Student Loan Program Publications page to access guides containing information on Canada Student loans and other financial assistance programs available to fund your post-secondary education.

Related Links

CanLearnCanLearn is an online source for information on post-secondary education and learning resources in Canada. CanLearn provides information needed to apply for, maintain, and repay student loans in Canada.
Canada Revenue AgencyThe Canada Revenue Agency’s Web site contains all the information student loan borrowers need in order to file their taxes.
On-Line ToolsCanLearn offers a list of interactive tools that will help you save, plan and pay for your post-secondary education.
National Student Loans Service Centre (NSLSC)The National Student Loans Service Centre (NSLSC) is a government agency that processes students’ federal loan repayments and offers assistance programs to students who experience difficulty repaying their student loan.
Provincial and Territorial Student Assistance OfficesProvincial and Territorial Student Assistance Offices provide application forms and information on student assistance programs. They confirm students' eligibility, process loan applications, assess students' financial need, and send loan documents to student loan borrowers.
Canada Student Loans Program - Certification Unit - This section allows those working in the area of private institution certification to access resources critical to their work.
Budget 2008 and Student Financial Assistance
Investing in People

Improving Canada’s competitive position means developing the best-educated, most skilled and most flexible workforce in the world. That is why Budget 2008 is:
Supporting Canadian students with a $350-million investment in 2009–10, rising to $430 million by 2012–13, in a new, consolidated Canada Student Grant Program that will reach 245,000 college and undergraduate students per year when it takes effect in the fall of 2009.
Committing $123 million over four years starting in 2009–10 to streamline and modernize the Canada Student Loans Program.

Enhancing the flexibility of Registered Education Savings Plans by increasing the time they may remain open to 35 years from 25 years, and by extending the maximum contribution period by 10 years.

Provincial and Territorial Student Assistance Offices
Newfoundland
Student Aid DivisionDepartment of EducationThompson Student Centrehttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.edu.gov.nf.ca/studentaid/
Prince Edward Island
Student Aid DivisionDepartment of Educationhttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.edu.pe.ca/studentloan/resources/index.asp
Nova Scotia
Student Assistance OfficeDepartment of Education and Culturehttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://studentloans.ednet.ns.ca/
New Brunswick
Student Services BranchDepartment of Advanced Education and Labourhttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.studentaid.gnb.ca/
*Quebec
Student Financial Assistance ProgramsMinistère de l'éducationhttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.afe.gouv.qc.ca/english/indexAng.asp
Ontario
Student Support BranchMinistry of Training, Colleges and Universitieshttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://osap.gov.on.ca/
Manitoba
Student Financial AssistanceDepartment of Education and Traininghttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.studentaid.gov.mb.ca.html
Saskatchewan
Student Financial AssistancePost-Secondary Education and Skills Traininghttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.student-loans.sk.ca/
Alberta
Students FinanceAlberta Learning Information Servicehttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.alis.gov.ab.ca/studentsfinance/main.asp
British Columbia
Student Services BranchAdvanced Education, Training and Technologyhttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.aved.gov.bc.ca/studentservices/
Yukon
Students Financial Assistance UnitDepartment of Educationhttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.education.gov.yk.ca/advanceded/sfa/index.html
*Northwest Territories
Student Financial Assistance ProgramDepartment of Education, Culture and Employmenthttp://www.hrsdc.gc.ca/asp/redirect.asp?var=http://www.nwtsfa.gov.nt.ca/
*Nunavut
http://www.gov.nu.ca/education/eng/adult/fans/index.htm
* Nunavut, the Northwest Territories and the province of Quebec operate their own student assistance plans. If you are a resident of Nunavut, the Northwest Territories or Quebec, contact the provincial or territorial student assistance office for further information.

We at the Coalition believe that the post-secondary student loan system should be transparent. That's is why we will be providing public access to all ATIs that we file with HRSDC and other organizations involved in the administration of the Canada Student Loans Program. Please feel free to review these files and call us if you have any questions. The Coalition encourages interested journalists to report on what is going on in the existing system.

http://www.studentloanfairness.ca/documents/Deadrisksharedborrowerscollected.pdf http://www.studentloanfairness.ca/documents/ResolveServiceLevels20062007.pdf http://www.studentloanfairness.ca/documents/TotalRefundsClawedbackbyCRA.pdf http://www.studentloanfairness.ca/documents/TotalCollectedOnDefaultedStudentLoans.pdf http://www.studentloanfairness.ca/documents/Resolvecontractwithfederalgovernment.pdf http://www.studentloanfairness.ca/documents/Borrowerscantgetbalances.pdf http://www.studentloanfairness.ca/documents/CSLPReformmandate.pdf http://www.studentloanfairness.ca/documents/Parttimeinterestpaid.pdf http://www.studentloanfairness.ca/documents/ATI-6monthgraceperiod.pdf http://www.studentloanfairness.ca/documents/DetailedDefaultFigures2001-2006.pdf http://www.studentloanfairness.ca/documents/ATI_Direct_Lend_Death_Accounts.pdf http://www.studentloanfairness.ca/documents/ATI-NSLSCComplaints[1].pdf http://www.studentloanfairness.ca/documents/ATI-100millionininterestdefaults[1].pdf http://www.studentloanfairness.ca/documents/ATI_RejectionforPermanetDisabilityBenefit[1].pdf http://www.studentloanfairness.ca/documents/LoanCallCentreTrainingManualsDENIED.pdf http://www.studentloanfairness.ca/documents/IRapplicantsrefused.pdf

Student Loan in Australia

2008-03-15T22:16:00.002+08:00

Student Loan in Australia

Tertiary education fees in Australia

As a general rule, all students who attend Australian tertiary education institutions are charged higher education fees. However, several measures are in place to relieve the costs of tertiary education in Australia.

Most students are Commonwealth supported. This means that they are only required to pay a part of the cost of tuition, called the "student contribution", while the Commonwealth pays the balance; and students are able to defer payment of their contribution as a HELP loan. Other domestic students are full fee-paying (non-Commonwealth supported) and receive no other direct government contribution to the cost of their education. They can also obtain subsidised HELP loans from the Government up to a lifetime limit of $100,000 for medicine, dentistry and veterinary science programs and $80,000 for all other programs. Australian citizens and (with some limitations) permanent residents are able to obtain interest free loans from the government under the Higher Education Loan Programme (HELP) which replaced the Higher Education Contribution Scheme (HECS).

HELP is jointly administered by the Department of Education, Science and Training (DEST) and the Australian Taxation Office (ATO)
In addition, qualified students may be entitled to Youth Allowance or Austudy Payment to assist them financially while they are studying. These support payments are means and assets tested. Further assistance is available in the form of scholarships.
Overseas students are charged fees for the full cost of their education and are ineligible for any loans from the Commonwealth, but may apply for international scholarships.

History

In 1940, the Curtin Labor Government saw a need for the country to increase the number of university graduates and for more civil and military research. To do this, it dramatically increased the number of scholarships it offered to enter university and allowed women to apply for these scholarships (they were previously exclusive to men). The Menzies Liberal Government also supported and extended the ability of ordinary Australians to attend university.

In the 1960s, the Menzies Government encouraged and funded the establishment of new universities to cater for increasing demand. These universities were built in outlying suburbs and offerred special research scholarships to encourage students to undertake postgraduate research studies. Many of the universities that were established under this scheme are members of Innovative Research Universities Australia.

In 1967, the Menzies Government created a category of non-university tertiary institution (called College of Advanced Education (CAE)) that would be funded by the Commonwealth. These CAEs were easier to access and cheaper to attend than the traditional university, while delivering many university-equivalent Bachelor degrees.

During the early 1970s, there was a significant push to make tertiary education in Australia more accessible to working and middle class Australians. The Whitlam Labor Government abolished university fees in 1973. This decision did not greatly change the socio-economic backgrounds of students attending universities because only 20 to 25 percent of students paid fees as most had Commonwealth scholarships. Another reason for the lack of change was because low high school retention rates had resulted in many young people from disadvantaged backgrounds not completing secondary education and therefore never having the opportunity to choose to attend university.

In 1989, the Hawke Labor Government set up the Higher Education Contributions Scheme (HECS), which was developed by economist and lecturer at the Australian National University, Bruce Chapman and championed by Education Minister John Dawkins (see Dawkins Revolution). Under the original HECS, a $1,800 fee was charged all university students, and the Commonwealth paid the balance. A student could defer payment of this HECS amount (in which case it was called a HECS debt) and repay the debt through the tax system, when the student's income reached a certain level. As part of the reforms, Colleges of Advanced Education entered the University sector by various means.

In 1996, the new Howard Coalition Government, while otherwise retaining the HECS system, created a three-tier HECS fee structure (see "bands" below). Fees were charged on the basis of the perceived value of courses. Courses considered to have most likelihood of generating higher income for students in the future (eg. Law and Medicine) were the most expensive and those least likely to generate higher income (eg. Nursing and Arts) were the least expensive. At the same time, HECS charges increased by an average of 40% and universities were permitted to created full-fee places on which they could charge full up-front fees to students who missed out on a HECS place.

2005/6 reforms

In 2005 the Commonwealth government deregulated university fees, permitting universities to increase fees by a maximum of 25%.

As part of the changes, from 2007, HECS places became known as Commonwealth supported places (CSP). A student in a CSP is only entitled to study for a maximum of 7 years full-time (16 years part-time) at CSP rates. This is known as Student Learning Entitlement (SLE). After that period the student must take either a post-graduate FEE-HELP load (if available) or study at full-fee rates.

The HECS debt became a pre-2005 debt, while HECS-HELP referred to a post-2005 debt. HECS-HELP (formerly HECS) maintains the same principles as HECS. If a student receives a HECS-HELP loan, the Commonwealth government pays the loan amount directly to the higher education provider on behalf of the student.

An alternative option is FEE-HELP (formerly PELS). FEE-HELP provides eligible fee-paying students with a loan to cover their postgraduate fees. This option is only available for post-graduate students attempting an eligible post-graduate course. In 2007, the FEE-HELP lifelong limit is $80,000, and $100,000 for students studying dentistry, medicine or veterinary science. Students cannot borrow any more than $50,000, even if once debt is repaid. See the official website for details.

When a student has used up the SLE, he or she may only study under a FEE-HELP course (capped at $50,000) or as part of a full-fee course. Full-fee courses are relatively expensive because the student must pay the costs upfront, resulting in a significantly larger debt than a standard HECS-HELP loan, usually taken for its lower academic entrance requirements.
FEE-HELP courses are available at a post-graduate level (and occasionally for some undergraduate full-fee places) however they are not available at every institution or in every course. The only remaining option is a full-fee place paid upfront.

Commonwealth supported students

The Commonwealth Government determines the number and allocation of Commonwealth supported undergraduate places with each public higher education providers each year through the Commonwealth Grant Scheme (CGS). A Commonwealth supported place is a higher education place for which the Commonwealth Government makes a contribution to the higher education provider towards the cost of a student's education. The student only makes a contribution towards the cost of education, known as the student contribution. Commonwealth supported places are available to citizens of Australia and New Zealand and some Australian permanent residents.

Commonwealth supported places are allocated to students by the tertiary admissions centre in each state or territory:

Universities Admissions Centre (UAC) in NSW and ACT
Queensland Tertiary Admissions Centre
South Australian Tertiary Admissions Centre in South Australia and the Northern Territory
University of Tasmania in Tasmania
Victorian Tertiary Admissions Centre (VTAC) in Victoria
Tertiary Institutions Service Centre in Western Australia.
The allocation is usually based on secondary school results (through the UAI, ENTER, TER or OP scores), TAFE qualifications and previous university results.

The student contribution varies between courses. It is based upon the expected earnings following a students' graduation, not the cost of providing the course. Higher education providers can set the student contribution level for each unit of study, up to a maximum level set by the Government. It is said that, due to government underfunding of universities, universities almost always charge the highest level allowad

Student Contribution

Band Curriculum Areas Contribution For 1 EFTSL

National Priority Education, Nursing $0 – $3,998
Band 1 Humanities, Arts, Behavioural science,

Social studies, Foreign languages, $0-$ 4,996

Visual and Performing arts

Band 2 Accounting, Commerce, Administration,

Economics, Mathematics, Statistics,

Computing, Architecture, Health Sciences, $0-$7118

Engineering, Science, Surveying,

Agriculture
Band 3 Law, Dentistry, Medicine, Veterinary $0-$ 8333

science

An eligible student can either pay the entire student contribution and receive a 20% discount or defer payment of the contribution through a HECS-HELP loan. It is possible to defer payment of some of the contribution and pay part upfront. In cases of part payment, a 20% discount is received on the amount paid. Only Australian citizens are eligible for HECS-HELP loans. Students who are New Zealand citizens or new Australian permanent residents must pay the entire contribution upfront and receive no discount.
Commonwealth supported students are entitled to the equivalent of 7 years of full time study in a CSP, called a Student Learning Entitlement (SLE).

Fee-paying students

Students who do not receive a Commonwealth supported place may obtain a fee-paying place, as long as their ENTER tertiary entrance rank or other qualifications exceed a certain minimum. Most postgraduate courses do not have Commonwealth supported places available and therefore all these students are fee-paying. Fee-paying students are charged the full cost of their course, with no Commonwealth contribution.

Fee-paying students can obtain loans under the Higher Education Loan Programme, called FEE-HELP loans, to cover all or part of their fees. Students who obtain these loans are charged a 20% loan fee on top of the amount borrowed. Students are able to borrow a lifetime maximum FEE-HELP loan of $100,000 for medicine, dentistry and veterinary science programs and $80,000 for all other programs (adjusted for inflation). In 2005, FEE-HELP loans replaced the Open Learning Deferred Payment Scheme (OLDPS), the Postgraduate Education Loan Scheme (PELS) and the Bridging for Overseas-Trained Professionals Loan Scheme (BOTPLS).

HELP loans

HELP loan management

HELP debts do not attract interest, but are instead indexed to the Consumer Price Index (CPI) on 1 June each year, based on the annual CPI to March of that year. The indexation rate applied on 1 June 2006 was 2.8% and 3.4% on 1 June 2007. Indexation applies to the part of the debt that has been unpaid for 11 months or more. Thus, indexation is calculated on the opening HELP debt balance on 1 July of the previous year plus any debt incurred in the first half of the current year (usually for first semester courses) less any compulsory and voluntary repayments, with bonus. Any HELP debt incurred on second semester courses (usually determined in June) will not be subject to indexation until the next year. After indexation, the new balance is rounded down to a whole dollar amount.

HELP account debtors can make voluntary repayments. These repayments attract a 10% bonus for repayments over $500. This means that if a person voluntarily repays $1000, the debt is reduced by $1100. If the remaining debt is less than $500 the bonus still applies on repayment of ther balance of the debt. As making voluntary repayments does not exempt the person from compulsary repayments, if the person intends to pay off the total debt voluntarily, it is financially advantageous for them to do it before lodging the tax return. This will attract the 10% bonus on the repayment, and there would be no balance on the debt to which the compulsary repayment provisions can apply. Better still, if the voluntary repayment is made before the indexation date of 1 June, the avoiding of the indexation adjustment is an additional bonus. Even factoring in the 10% bonus on voluntary repayments, many people elect not to pay off their debt in advance of the required repayments because it still works out to be probably the cheapest loan someone will ever receive.

If a person with a HELP debt dies, the debt is canceled (ie. the debtor's estate is not required to pay the debt).

Repayments

HELP debts are administered by the Australian Taxation Office and will be repaid compulsarily over time through the taxation system. If the HELP Repayment Income (HRI) of a person with a HELP debt exceeds a certain threshold, which for the 2007-08 financial year is $39,825, a compulsory payments will be deducted from the person's tax for the year. To work out the HRI, the ATO will add back to the person's taxable income any net rental loss claimed against that taxable income and add fringe benefits and exempt foreign income received, which have not been included in the taxable income. Unlike marginal tax rates, the repayment rate applies on the full HRI, so that a person with a HRI of $39,500 in the 2007/08 tax year would not have to make any compulsory HELP repayment, but a person with a HRI of $40,000 would make a payment of $1,600. This is 4% of the HRI (not taxable income or the debt balance) of $40,000. The compulsary repayment amount cannot exceed the balance of the HELP debt.
The rates for compulsory repayment for the 2007-08 financial year, also compared with previous years, are:

HELP Repayment Income (HRI) compulsory repayment 2006-2008

HRI 2005-06 HRI 2006-07 HRI 2007-08 Repayment Rate
Below $36,185 Below $38,149 Below $39,825 Nil
$36,185–$40,306 $38,149-$42,494 $39,225-$44,360 4% of HRI
$40,307–$44,427 $42,495-$46,938 $44,360-$48,896 4.5% of HRI
$44,428–$46,762 $46,839-$49,300 $48,897-$51,466 5% of HRI
$46,763–$50,266 $49,301-$52,994 $51,466-$55,322 5.5% of HRI
$50,267–$54,439 $52,995-$57,394 $55,323-$59,915 6% of HRI
$54,440–$57,304 $57,395-$60,414 $59,916-$63,068 6.5% of HRI
$57,305–$63,062 $60,415-$66,485 $63,069-$69,405 7% of HRI
$63,063–$67,199 $66,486-$70,846 $69,406-$73,959 7.5% of HRI
$67,200 and above $70,847 and above $73,960 and above 8% of HRI

Student??

2008-03-15T22:10:00.003+08:00

Student

The word student is etymologically derived through Middle English from the Latin second-type conjugation verb "stŭdērĕ", meaning "to direct one's zeal at"; hence a student could be described as 'one who directs zeal at a subject'. In its widest use, "student" is used for anyone who is learning.
Scope

In many countries, the word "student" or a cognate equivalent (e.g., French "étudiant") is reserved for higher education or university students. However derived adjectives in such languages (e.g., "estudiantin" in French) may also, or even especially (e.g., Dutch "studentikoos"), be associated with the non-academic, fun-loving side of stereotyped "student life" (in part organised, such as hazing, "Greek life" in North American Fraternities and sororities), although not all students induldge in this lifestyle..

International variations

Australia

In Australia some university students favour the term "jaffy" for what Americans term "freshman" (a student in their first year of university/college studies), an acronym standing for "just another fucking first-year". The meaning refers to the fact that, having finished high-school as one of the most important students in a small school, the new students are suddenly the least important students in a large university, i.e. they are "just another" in a sea of irrelevant "freshmen". Though this is certainly not a widely used term like "freshmen" is in America. Otherwise "first-years", "second-years", etc., up to "final-years" are in most common usage. Children in primary and secondary school are also referred to as students. The term student is used for all learners including primary school, secondary school and university/TAFE.
Canada

In Canada, special terms are occasionally used. In English provinces, the high school (known as Academy or secondary school) years can be referred to simply as first, second, third, fourth and fifth year. Some areas call it by grade such as Grade 9, Grade 10, Grade 11, Grade 12. There is no more Grade 13. In university, students are classified as first-, second-, third-, or fourth-year students. In some occasions, they can be called Senior Ones, Twos, Threes, and Fours. First years are commonly known as "frosh", and the first week of university for first year students is commonly known as Frosh week.

United Kingdom and Ireland

At universities in the United Kingdom and Ireland the derivative form "fresher" is more often used to describe new students; the term "first years" is also commonly used (especially after the first term). There is no derogatory connotation in this name unlike its US counterpart. The week before the start of a new year is called "Freshers' Week" at many universities, with a programme of special events to welcome new students; some universities, however, are attempting to drop the connotative associations of "freshers' week" by renaming it "welcome week".[citation needed] An undergraduate in the last year of study before graduation is generally known as a "finalist", or simply a third year (in England, Wales, Northern Ireland and Republic of Ireland) or a fourth year (in Scotland).

The ancient Scottish University of St Andrews uses the terms "bejant" for a first year (from the French "bec-jaune" – "yellow beak", "fledgling"). Second years are called "semi-bejants", third years are known as "tertians", and fourth years, or others in their final year of study, are called "magistrands".

United States

First year

A freshman (slang alternatives that are usually derogatory in nature include "fish", "fresher", "frosh", "newbie", "freshie", "snotter", "fresh-meat", etc.) is a first-year student in college, university or high school. The less-common[citation needed] gender-neutral synonym "first-year student" exists; the variation "freshperson" is rare.[citation needed]
In many traditions there is a remainder of the ancient (boarding, pre-commuting) tradition of fagging. He may also be subjected to a period of hazing or ragging as a pledge(r) or rookie, especially if joining a fraternity/sorority or certain other clubs, mainly athletic teams. For example, many high schools have initiation methods for freshmen, including, but not limited to, Freshman Duct-taped Throw, Freshman races, Freshman Orientation, Freshman Freshening (referring to poor hygiene among freshmen), and the Freshman Spread.
Even after that, specific rules may apply depending on the school's traditions (e.g., wearing a distinctive beanie), non-observance of which may result in punishment in which the paddle may come into play

Second year

In the U.S., a sophomore is a second-year student. Folk etymology has it that the word means "wise fool"; consequently "sophomoric" means "pretentious, bombastic, inflated in style or manner; immature, crude, superficial" (according to the Oxford English Dictionary). It appears to be most likely formed from Greek "sophos", meaning "wise", and "moros" meaning "foolish", although it may also have separately originated from the word "sophumer", an obsolete variant of "sophism". Outside of the U.S. the term "sophomore" is rarely used, with second-year students simply called "second years".

Post-second year

In the U.S. a "junior" is a student in the penultimate (usually third) year and a "senior" a student in the last (usually fourth) year of college, university, or high school. A college student who takes more than the normal number of years to graduate is sometimes referred to as a "super senior". The term "underclassman" is used to refer collectively to freshmen and sophomores, and "upperclassman" to refer collectively to juniors and seniors, sometimes even sophomores. The term "middler" is used to describe a third-year student of a school (generally college) which offers five years of study. In this situation, the fourth and fifth years would be referred to as "junior" and "senior" years, respectively

What Is Loan??

2008-03-15T22:05:00.002+08:00

Loan

A loan is a type of debt. All material things can be lent; this article, however, focuses exclusively on monetary loans. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.

The borrower initially receives an amount of money from the lender, which they pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt. A borrower may be subject to certain restrictions known as loan covenants under the terms of the loan.

Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding. Bank loans and credit are one way to increase the money supply.
Legally, a loan is a contractual promise of a debtor to repay a sum of money in exchange for the promise of a creditor to give another sum of money.
Types of loans

Secured

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan.
A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security - a lien on the title to the house - until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter - often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer.
A type of loan especially used in limited partnership agreements is the recourse note.
A stock hedge loan is a special type of securities lending whereby the stock of a borrower is hedged by the lender against loss, using options or other hedging strategies to reduce lender risk.

Unsecured
Unsecured loans are monetary loans that are not secured against the borrowers assets. These may be available from financial institutions under many different guises or marketing packages:
• credit card debt,
• personal loans,
• bank overdrafts
• credit facilities or lines of credit
• corporate bonds
The interest rates applicable to these different forms may vary depending on the lender, the borrower. These may or may not be regulated by law. In the United Kingdom, when applied to individuals, these may come under the Consumer Credit Act 1974.
Abuses in lending

Predatory lending is one form of abuse in the granting of loans. It usually involves granting a loan in order to put the borrower in a position that one can gain advantage over him or her. Where the moneylender is not authorised, it could be considered a loan shark.
Usury is a different form of abuse, where the lender charges excessive interest. In different time periods and cultures the acceptable interest rate has varied, from no interest at all to unlimited interest rates. Credit card companies in some countries have been accused by consumer organisations of lending at usurious interest rates and making money out of frivolous "extra charges"
Abuses can also take place in the form of the customer abusing the lender by not repaying the loan or with an intent to defraud the lender.

United States taxes

Most of the basic rules governing how loans are handled for tax purposes in the United States are uncodified by both Congress (the Internal Revenue Code) and the Treasury Department (Treasury Regulations – another set of rules that interpret the Internal Revenue Code). Yet such rules are universally accepted.
1. A loan is not gross income to the borrower. Since the borrower has the obligation to repay the loan, the borrower has no accession to wealth
2. The lender may not deduct the amount of the loan. The rationale here is that one asset (the cash) has been converted into a different asset (a promise of repayment). Deductions are not typically available when an outlay serves to create a new or different asset.
3. The amount paid to satisfy the loan obligation is not deductible by the borrower.
4. Repayment of the loan is not gross income to the lender. In effect, the promise of repayment is converted back to cash, with no accession to wealth by the lender.
5. Interest paid to the lender is included in the lender’s gross income.Interest paid represents compensation for the use of the lender’s money or property and thus represents profit or an accession to wealth to the lender.Interest income can be attributed to lenders even if the lender doesn’t charge a minimum amount of interest.
6. Interest paid to the lender may be deductible by the borrower. In general, interest paid in connection with the borrower’s business activity is deductible, while interest paid on personal loans are not deductible.The major exception here is interest paid on a home mortgage.

Latest Link Building Strategy

2008-03-15T11:51:00.001+08:00

We all know how important link building is, link building which also called off-site optimization plays a very important role in a successful optimization campaign, so what is link building exactly? what does a link building campaign usually include? and how should we go about building links, we will try to answer those questions in this article.

What is link building?

Link building refers to the act of acquiring links that point to your website/webpage, there are a number of ways to acquire links, which I will list and try to explain the pros and cons of each method.

1- Building links the natural way!

This happens when a website links to you because the webmaster of that site felt that your website had such good information that he thought linking to it would benefit his visitors, this is probably the best link you could ever get, those are the kind of links that Google in specific and the other search engines look for, links that naturally point to your website, the ideal way for getting those links is quality content, having something useful for your website visitors will always get other webmasters link to you, in the long run at least, which brings us to the cons of this kind of building links, natural link usually take time, they don't happen in a month or 2, you need to build quality content, and get some people to actually read it! just having good quality content on your website doesn't guarantee a good exposure and a good amount of natural links, especially if its a new website, you need to bring people to your website to read this content, here are a few methods of doing that:

1- Paid advertising! place a banner on a website/s relating to your topic, or advertise on a newsletter for example.

2- Article submissions, submit the articles on your website to article directories.

3- Press release submission, submit a press release about your new website, a new article or a new interview you did on your website.

4- Submit your website to directories.

5- Join forums and comment on blogs relating to your topic or industry, place your link in your forum sig. and make sure not to spam

Those are some ideas that you can use to get your new website out there, with time, people will notice your website and the content it has, and start gaining natural links.

2- Asking for a link

You can always ask for a link, and it works out perfectly if you know how to do it, here a few tips to follow when asking for a link:

1- Make sure the website your asking for a link on is related to your website, the more benefit your website offers to his visitors the more chances of getting that link.

2- Don't sound like a robot! lots of spammers use link exchange tools to spam websites asking for links, make sure that your email has a personal touch.

3- Comment on the website, look around the website and see if you can make a suggestion about it in the email, look for a dead link, a broken link, some font inconsistencies and point them out in a nice way in your email, the webmaster will probably appreciate it and give you that link.

4- Explain how your website benefits the visitors of that website, the more relevant and beneficial your website is to his visitors, the more he will be encouraged to place that link.

5- Include your personal contact information, like your phone number or fax number and invite the webmaster to call you if he wants to, he probably wont, but its a nice gesture.

Some might consider those kind of links as natural links, but I feel that since those links were not placed naturally without a request, then they probably should be placed in their own category.

3- Buying links

Buying links is probably the most widely used method for gaining one way back links to your website, allot of websites offer text link advertising on their websites for a monthly or yearly fee, prices range depending on the websites Google Page Rank, popularity and the traffic the website gets, they can start at $5 per month and up to $1000 per month.

There are a number if important notes that you should take care of when buying a link:

1- Make sure the website gives you a direct link pointing to your website without using any JavaScript, or the nofollow attribute.

2- Make sure the website doesn't link to bad neighborhoods, if you find the website linking to link farms, porn or pill websites your better off without that link.

3- Have a look on the websites that link to the website your considering buying a link on, if most of those links are from link farms for example, then save your and don't buy that link!

4- Try and get the link on places other than the footer or the links section in the side panel, Google can pick those links up, and usually don't pass all of the link value to the link placed there.

5- Make sure the webpage your getting a link doesn't have more than 20 outgoing links on it, the more outgoing links on the page, the less value your link will get.

4- Link exchanges

Link exchanges is an old yet still used method for acquiring back links, link exchanging refers to placing a link to website in return for a link back to your website, search engines such as Google pick up such links and remove them from your link popularity, it is said that link exchanges might even harm your rankings as it is seen by the search engines as a way of "cheating" them, the possibilities of link exchanges damaging your rankings are higher if your exchange links with bad neighborhoods which I have explained earlier.

Other ways of link exchanging has come up such as 3-way link exchanges, where 3 websites (A,B and C) are used in the exchange, website A links website B, and website B links to website C (usually website A and C have the same owner) however, Google can also pick up those links, and in the worst cases, decrease the rankings of the websites involved in 3-way link exchanges.

These are some of the most important link building methods, usually a combination of the 1st 3 methods works out the best.

Way To Get Back Line

2008-03-15T11:46:00.000+08:00

Now there are always people searching on Google looking for ways to get more backlinks to their websites, and to be honest people try looking for perfect relevant backlinks, which isn't necessarily a bad thing, but seem to overlook the easy links that they can also get to their websites. This article is going to take a brief look at ways to get more backlinks to your website with some short bullet points but bullet points that get to the point like bullet points should. If you are wondering why people would want more backlinks then it's not necessarily for traffic but more than likely they are looking to increase their search engine rankings.

Forum signatures. Almost everyone who is involved In making websites is part of one forum are another, and it's highly unlikely theirs no follow tags on the backlinks so add your links to your forum signature and your links will show every time you post
Submit your websites to directories for lots of free and easy backlinks
Comment on other peoples blog's, although most comment sections tend to have no follow attributes to links not all of them do and people still feel there's some credit given to no follow links anyways, although I tend to disagree without proof
Create articles and submit them to article directories, you can add your links to the authors comment so if your articles get displayed or published anywhere then you get backlinks
Submit press releases, it tends to be the case you get a link from the site that you create the press release on, but if you also pay for a submission you can include links in the actual article content.
Do something viral, this may also be associated as a type of 'link baiting' which is doing something in order to get people to link to you. Such things can be things that are unique, humorous or down right wacky.
Take part in link exchanges. This is thought not to be as effective as it used to be but it's certainly a way of getting more backlinks to your website.
Create a tool that also includes a link to your website. This is certainly one of the ways that you can get the most links to your website in a short space of time. If the tool becomes popular then you are going to build a lot of links to your site.

10 Seo Tips

2008-03-15T11:27:00.001+08:00

It is not hard to be barking up the wrong tree when it comes to getting search engine traffic because there is so much out of date information being circulated.

Not only is there out of date or invalid SEO advice getting around, there is also information which if acted upon, can result in your pages being banned.

The SEO tips below should assist the reader in forming a basic understanding of how to create human friendly web pages which are easily understood by the most popular search engines.

Know this. There are thousands of search engines but only two of them will bring you most of the traffic. They are google and yahoo. Another search engine that brings me a little traffic is msn but I do not focus too much on tactics for that engine.

Focus your attention on the engines that will bring you the most visitors first and work your way down.

Basic SEO

1. Insert keywords within the title tag so that search engine robots will know what your page is about. The title tag is located right at the top of your document within the head tags. Inserting a keyword or key phrase will greatly improve your chances of bringing targeted traffic to your site.

Make sure that the title tag contains text which a human can relate to. The text within the title tag is what shows up in a search result. Treat it like a headline.

2. Use the same keywords as anchor text to link to the page from different pages on your site. This is especially useful if your site contains many pages. The more keywords that link to a specific page the better.

3. Make sure that the text within the title tag is also within the body of the page. It is unwise to have keywords in the title tag which are not contained within the body of the page.

Adding the exact same text for your h1 tag will tell the reader who clicks on your page from a search engine result that they have clicked on the correct link and have arrived at the page where they intended to visit. Robots like this too because now there is a relation between the title of your page and the headline.

Also, sprinkle your keywords throughout your article. The most important keywords can be bolded or colored in red. A good place to do this is once or twice in the body at the top of your article and in the sub-headings.

4. Do not use the exact same title tag on every page on your website. Search engine robots might determine that all your pages are the same if all your title tags are the same. If this happens, your pages might not get indexed.

I always use the headline of my pages as the title tag to help the robots know exactly what my page is about. A good place to insert the headline is within the h1 tag. So the headline is the same as the title tag text.

5. Do not spam the description or keyword meta tag by stuffing meaningless keywords or even spend too much time on this tag. SEO pros all agree that these tags are not as important today as they once were. I just place my headline once within the keywords and description tags.

6. Do not link to link-farms or other search engine unfriendly neighborhoods. A good rule of thumb is if your pages do not contain any words that reflect the content of the site you are linking to, do not link to it.

7. Do not use doorway pages. Doorway pages are designed for robots only, not humans. Search engines like to index human friendly pages which contain content which is relevant to the search.

8. Title tags for text links. Insert the title tag within the HTML of your text link to add weight to the link and the page where the link resides. This is like the alt tag for images.

My site contains navigation menus on the left and right of the page. The menu consists of links not images. The links are keywords. When you hover over the link with your mouse, the title of the link appears. View the source of this page to see how to add this tag to your links.

9. Describe your images with the use of the alt tag. This will help search engines that index images to find your pages and will also help readers who use text only web browsers.

10. Submit to the search engines yourself. Do not use a submission service or submission software. Doing so could get your site penalized or even banned.

Here is the submission page for google: Add your URL to Google

Submit only once. There is no need to submit every two weeks. There is no need to submit more that one page. Robots follow links. If your site has a nice link trail, your entire site will get indexed.

My site has a nice human friendly link trail which robots follow easily. All my pages get indexed without ever submitting more than the main index page once.

More SEO Tips

Get the facts here: Google Webmaster Central. This page will explain most of what you should focus on along with what you should forget about.

If you have been thinking about handing over the task of SEO to someone outside of yourself, you should read some warnings before you part with any money. Webmaster Help Center - What's an SEO? Does Google recommend working with companies that offer to make my site Google-friendly?

SEO Discussion

Most SEO Professionals will not tell you about the goose that laid the golden egg. The following link will take you to a jealously guarded FREE SEO discussion.

Discussions - google.public.support.general | Google Groups

You can search the forum for specific questions you may have. I like to just lurk around and read the messages.

The author, Ed Zivkovic owns his own website which contains articles with all sorts of tips for work at home webmasters. Here is the site: Home Business Webmaster

Strategi Pembinaan Link

2008-02-24T12:06:00.002+08:00

Saya meninjau beberapa website.Kebanyakkannya mendapat rank number satu kat google dan search engine yang lain.Kebanyakan mereka berada dalam top 20 di search engine.Jadi saya mengikut step mereka bagi mendapatkan unique visitor dan berjaya.Apa yang paling penting adalah:-

1.Mempunyai content yang berkualiti
2.Mempunyai stategi pembinaan link yang kuat

Content adalah raja,semua orang mengetahuinya.Mari kita bincangkan untuk membuat satu link building yang kuat.Bagaimana dan dimana nak dapatkan jenis2 link?Topik ini ang akan saya bincangkan disini.Saya cuma akan jelaskan secara ringkas macam mana nak laksanakanya

Ini adalah proses untuk membangunkan website dan membina link Strategi:

Hari 1:Mula-mula beli domain yang murah dan mencari keyword yang ini anda tulis.

Hari 2:Tulis satu halaman(300-500 perkataan)bergantung pada keyword anda pilih dan linkkan 3 atau 4 link ke wikipedia page(Berkaitan dengan keyword).Wiki link akan membantu search engine mencari ketogery website anda dengan lebih mudah.Kemudian dapatkan satu backlink untuk website anda.Anda mesti ingat content is king dan content anda mesti berkaitan dengan keyword anda.Kemudian tinggalkan website anda selama seminggu dan lihat traffic anda.

Hari 30:Tambahkan lagi 5 page content dan dapatkan lagi 4 link lagi,satu dari directory,blog post,social networking site dan regular site.

Hari 60:Masa ini adalah sangat penting kerana sekarang saya mula berkerja untuk membuat 50-100 page.Saya pastikan saya dapat satu back-link antara satu website dengan ang lain.Selepas selesai,saya cuma ada 5 link ke homeopages saya dan satu link each to my internel pages.Internal pages ini yang membaca page anda ke index google.

Hari 90:Masa ini pula saya mula mencari directory submissons percuma.Sy ikut semua directory yang saya ada.Saya mula mempromosi website saya di forum-forum.Semua ini free je.Kemudian sy submit lebih kurang 500-1000 directory list yang percuma.Sy dah kumpulkan semua directory yang percuma dalam satu website.Ini link dia http://submiturl.profitgainersignal.com.Agak meletihkan tetapi berkesan.

hari 120:Selepas 4 bulan sy mula mencari link exchanges.Sy lakukan dalam dua cara.Pertama cara lama mengunakan email tapi sy x berapa suka cara ini.Kedua melalui forum seperti carigold dan blogger forum tp kurang berkesan untuk menambahkan earning adsense.

Hari 150:Saya tambah lagi around 100 pages kedalam site saya dengan 1 link setiap satu.Ya,ini mengambil masa yang lama tapi paling utama.Sy masukkan around 15 article submission untuk backlink to homapages.

Hari 180:Masa ini sy mula membelanjakan duit untk dapatkan link.Sy mula submit url sy ke paid directories(selain yahoo.com.botw.org,addalink.org dll).Selain itu sy membeli mengupah dan membeli perisian yang dijual di internet bagi memudahkan bagi sy utk submit url sy ke engine carian.Gunakan perkhimatan yang ditawrkan secara online dan biarkan mereka mencari unique visitor untuk kita.

Semua ini adalah langkah yang saya ikut selama ini.Saya buat blog ini untuk berkongsi dengan anda semua.Sekiranya anda mempunyai cara-cara untk mnarik unique visitor anda boleh postkan disini.Kepada mereka yg mahir tentang black hat leh kongsi disini.

Мое Соединение Стратеги-Delaet Деньг Online Концы

2008-02-21T18:17:00.002+08:00

Я бегу quite a few websites. Много из их шереножный одно на Google и других двигателях поиска. Большое часть из их находится по крайней мере в верхней части 20 поиска engines.I следует за под stap и я получаю больше и более уникально кредит visitor.The к этим хорошая ранжировка идет:

1.Good и уникально содержание на website
2.Strong соединяют стратегию здания

Content будет королем, каждое говорит и knows.Let я talk about создавать сильную стратегию здания соединения. How and when получить что типы соединений? Это будет тема, котор я иду адресовать. Но вместо делать его как лекция, я справедливый идти представить как делаю я делаю его.

This будет процессом моего здания развития и соединения website:

Первое дн: Firstly, купите домен который хорош для keyword, котор вы смотрят, что создаете website.

Второй день: Создайте одно website страницы (вокруг 300-500 слов) основанное на вашем keyword(s) и дайте вокруг от 3 до 4 соединения к страницам wikipedia's (отнесенным к вашему keyword). Эти соединения wiki помогут двигателям поиска для того чтобы задать шебсите-kategorih к вашему месту. После этого получите одно backlink для этого site.You вспомнить содержанием будет король и ваше содержание должно родствено с вашим keyword.Then забыть о этом месте на месяц и посмотреть ваше traffic.Mybe на первый месяц ваше движение реально горячее но dont уныло.

День 30: Расширьте website до 5 страниц содержания и получите 4 больше соединения, одного по каждому от директории, столба blog, социального места networking и регулярно site.Now делает reseach о рынке keyword для вашего website.

День 60: Это будет очень важное время потому что теперь я начинаю работать на website для того чтобы сделать им website страницы 50-100. Я make sure что я должен получить одно назад-soedinenie по каждом из из моя страница, котор я создаюсь. Так после того как этот участок завершит, я имею как раз 5 соединений до мой homepage и 1 соединение каждое к моим внутренне страницам. Это внутренне соединение страниц предотвращает ваши страницы идя в дополнительный индекс google.

День 90: Это будет время когда я начинаю мои СВОБОДНО представления директории. Я следую за всеми разделами объявления нов-direktorii в различных форумах webmaster для новых директорий. Эти соединения самыми легкими для того чтобы получить и для свободно. За исключением этих, я представляю до вокруг 500 к 1000 свободно директории list.Very утомлянной но очень заинтересованной для того чтобы попытаться сперва.

День 120: После 4 месяцев, я начинаю посмотреть для обменов соединения. Я делаю его в методе 2. Firstly, старый регулярно метод, путем emailing webmaster но dont I любят это method.Secondly, на форумах webmaster как форум carigold и blogger. День 150: Я добавляю вокруг 100 больше страниц к моему месту с 1 соединением каждое для каждой новой страницы. Да, это принимает долговременно но реально worth оно. Это будет пункт где я делаю вокруг 15 представлений статьи для backlinks к homepage.

День 180: Это будет время когда я начинаю потраченные деньги на месте для того чтобы получить соединения. Я начинаю представить к paid директориям (включая хорошие одни как: yahoo.com, botw.org, addalink.org, ETC alivedirectory.com). Я начинаю купить оплащенные содержани-vrezannye соединения.

This будет нормальн временем когда мое место получает вокруг sandbox и старта зарабатывая мне некоторое хорошее количество. С этой точки зрения, я добавляю это место до вокруг 20 из моих собственных директорий с полностью по-разному НАЗВАНИЕМ и description.I также добавляют на-naimen6wie 20 из моих внутренне страниц (по-разному страниц к по-разному директориям) от этого места к каждой из моих 20 директорий (итога 400 соединений). Этими директориями моих неизвестны к широкаяа публика и будут единственная цель получать соединения к моим собственным местам.

After это, я make sure что 50% из профита от места должно пойти back into здание соединения для website. Когда website достигало верхнюю часть 3 в двигателях поиска, оно автоматически начинает получить все тем соединения ETC gov или edu, поэтому я уменьшаю мой бюджетю от 50% до вокруг 25% и держу 75% к себе.

So моя стратегия website и стратегия здания соединения. Будет вашей стратегией? Пожалуйста комментарий и препятствует мне знать вашу стратегию.

Minha Ligação Estratégia-Faz A Dinheiro Pontas Em linha

2008-02-21T18:14:00.001+08:00

Eu funciono alguns Web site. Muitos deles número rank um em Google e em outros motores de busca. A maioria deles estão ao menos no alto 20 da busca engines.I seguem abaixo do stap e eu começo mais e um crédito mais original de visitor.The aos estes ranking bom vai:

1.Good e o índice original no Web site
2.Strong ligam a estratégia do edifício

Content é rei, todos diz e knows.Let mim conversa sobre criar uma estratégia forte do edifício da ligação. Como e quando começar que tipos de ligações? Este é o tópico que eu estou indo se dirigir. Mas em vez de fazê-lo como um lecture, eu sou ir justo apresentar-se como eu o faço.

This é o processo de meu edifício do desenvolvimento e da ligação do Web site:

Dia 1: Firstly, compre um domínio que seja bom para o keyword que você está olhando para criar um Web site.

Dia 2: Críe um Web site da página (ao redor 300-500 palavras) baseado em seu keyword(s) e dê ao redor 3 a 4 ligações às páginas dos wikipedia (relacionadas a seu keyword). Estas ligações do wiki ajudarão aos motores de busca atribuir uma Web site-categoria a seu local. Comece então um backlink para este site.You deve recordar que o índice é rei e seu índice deve relacionado com seu keyword.Then se esquecer sobre este local por um mês e olhar seu traffic.Mybe para o primeiro mês seu tráfego não realmente quente mas não é sad.

Dia 30: Expanda o Web site a 5 páginas do índice e comece 4 mais ligações, uma cada de um diretório, um borne do blog, um local social do networking e um site.Now regular faz o reseach sobre o mercado do keyword para seu Web site.

Dia 60: Este é tempo muito importante porque agora eu começo trabalhar no Web site para lhe fazer o Web site da página 50-100. Eu certifico-me de que eu tenho que começar uma para trás-ligação para cada uma de minha página que eu estou criando. Assim depois que esta fase é terminada, eu tenho apenas 5 ligações a meu homepage e a 1 ligação cada um a minhas páginas internas. Esta ligação interna das páginas impede suas páginas que entram no índice suplementar do google.

Dia 90: Este é o tempo em que eu começo minhas submissões LIVRES do diretório. Eu sigo todas as seções do anúncio do novo-diretório em vários forums do webmaster para diretórios novos. Estas ligações são as mais fáceis de começar e para livre. À excepção destes, eu submeto-me a ao redor 500 1000 ao diretório livre list.Very cansado mas muito interessado tentar primeiramente.

Dia 120: Após 4 meses, eu começo procurar trocas da ligação. Eu faço-a no método dois. Firstly, o método regular velho, emailing o webmaster mas eu não gosta deste method.Secondly, em forums do webmaster como o forum do carigold e do blogger. Dia 150: Eu adiciono ao redor 100 mais páginas a meu local com 1 ligação cada uma para cada página nova. Sim, isto faz exame muito tempo mas é realmente worth ele. Este é o ponto onde eu faço ao redor 15 submissões do artigo para backlinks ao homepage.

Dia 180: Este é o tempo em que eu começo o dinheiro de despesa no local começar as ligações. Eu começo submeter-se aos diretórios pagos (bons os including como: yahoo.com, botw.org, addalink.org, alivedirectory.com etc.). Eu começo comprar as ligações índice-encaixadas pagas.

This é normalmente o tempo em que meu local começa ao redor do sandbox e do começo que ganham me alguma quantidade boa. Neste momento, eu adiciono este local a ao redor 20 de meus próprios diretórios com todo o TÍTULO diferente e description.I adicionam também em-menos 20 de minhas páginas internas (páginas diferentes aos diretórios diferentes) deste local a cada um de meus 20 diretórios (total de 400 ligações). Estes diretórios de meus são desconhecidos ao público geral e são única finalidade de começar as ligações a meus próprios locais.

After isto, eu me certifico de que 50% do lucro do local deve entrar para trás no edifício da ligação para o Web site. Quando o Web site alcançou o alto 3 nos motores de busca, começa automaticamente começar a todos aqueles as ligações do gov ou do edu etc., assim que eu reduzo meu orçamento de 50% a ao redor 25% e myselfmantenho- o 75%.

So minha estratégia do Web site e estratégia do edifício da ligação. Que é sua estratégia? Por favor o comentário e deixa-me saber sua estratégia.

나의 연결은 돈에게 온라인 끝을 전략 만들n다

2008-02-21T18:10:00.003+08:00

나는 어지간히 웹사이트를 달린다. 대다수는Google에 제를 것과 다른 사람 수색 엔진 평가한다. 대부분은stap의 밑에 수색engines.I의 정상20안에 적어도 따른다 있고 나는 더 얻고 이에 더 유일한visitor.The신용은 좋은 순위 간다:

웹사이트1.Strong에
2.Good그리고 유일한 내용은 건물 전략을 연결한다

Content은 임금 이다, 모두는 말하고knows.Let은 나 강한 연결 건물 전략의 창조를 말한다. 어떤 타입의 연결을 얻는가 위하여 언제 어떻게? 이것은 나가 연설하기 위하여 가고 있는 화제 이다. 나가 하는 그것을 까 라고 선물하기 위하여 그러나 강의로 그것을 만들의 대신에, 나는 정당한 감 이다.

This은 나의 웹사이트 발달과 연결 건물의 과정 이다:

일 1: 첫번째로, 웹사이트를 창조할것을 너가 보고 있는 키워드를 위해 좋은 영역을 사십시요.

일 2: 너의keyword(s)에 기초를 두는 1개 페이지 웹사이트 (주변에300-500의 낱말)을 창조하고 (너의 키워드에 관련시키는)wikipedia's페이지에게 주변에 3개 에 4개의 연결을 주십시요. 너의 위치에 웹사이트 종류를 할당하기 위하여 이wiki연결은 엔진을 찾는것을 돕l 것이다. 그때 이site.You을 위해 1개의backlink을 내용이 임금 이고 너의 내용이 달을 위해 이 위치에 관하여 잊, 첫번째 달을 위해 너의traffic.Mybe을 봐야 너의keyword.Then에 관계있는 뜨거운 너의 소통량 진짜로 하고 그러나 슬프지 않다 것 을 생각해야 한다 얻으십시요.

일30: 웹사이트를 내용의 5개 페이지에 확장하고 4개의 연결 더, 전화번호부,blog지점, 사회적인 네트워킹 위치에서 것을 제각기 얻거든 일정한site.Now은 너의 웹사이트를 위해 키워드 시장에 관하여reseach을 만들n다.

일60: 지금 그것에게 페이지 웹사이트를 만들 위하여50-100나가 웹사이트에 일하기 시작하기 때문에 이것은 아주 중요한 시간 이다. 나가 나가 창조하고 있는 나의 페이지의 각자를 위해 1개의 후에 연결을 얻어야 하는 것을 나는 확인한다. 각자 이렇게 이 단계가 완료된 후에, 나는 나의 내부 페이지에 나의 홈업아g어 및 1개의 연결에 다만 5개의 연결이 있는다. 이 내부 페이지 연결은google의 추가 색인으로 가는 너의 페이지를 막는다.

일90: 이것은 나가 나의 자유로운 전화번호부 제출을 시작하는 시간 이다. 나는 새로운 전화번호부를 위해 각종 웹마스터 공개토론안에 모든 새롭 전화번호부 공고 단면도를 따른다. 자유로운을 위해 얻기 이 연결은 쉽. 이들이외에, 나는 피로하게 하고는 그러나 첫째로 해보게 아주 흥미있는1000자유로운 전화번호부에 주변에500에list.Very복종시킨다.

일120: 4 달다음에, 나는 연결 교환을 찾는 시작한다. 나는 2 방법안에 그것을 한다. 첫번째로, 웹마스터를 이메일로 보내기서 오래 되는 일정한 방법, 그러나 나는carigold과blogger공개토론 웹마스터 공개토론에 이method.Secondly을, 좋아하지 않는다.

일150: 각자 나는 1개의 연결에 나의 위치에 각 새로운 페이지를 위해 주변에 100개의 페이지를 더 추가한다. 그렇다, 이것은 많은 시간에 걸리고 그러나 그것의 값이 있는 진짜로 이다. 이것은 곳에 나가 홈업아g어에backlinks을 위해 주변에15의 기사 제출을 하는 점 이다.

일180: 이것은 연결을 얻기 위하여 나가 위치에 용돈을 시작하는 시간 이다. 나는 급여받는 전화번호부에 복종시킨 시작한다 (를 포함하여 좋은 그들: yahoo.com,botw.org,addalink.org,alivedirectory.com등등). 나는 지불한 내용 끼워넣은 연결을 산 시작한다.

This은 정상적으로 나의 위치가 모래통 그리고 시작 소득의 주변에 나 얼마간 좋은 총계 얻는 시간 이다. 지금, 나는 모든 다른 제목에 나의 자신의 전화번호부의 주변에20에 이 위치를 추가하고description.I은 또한 이 위치에서 나의20의 전화번호부 (400의 연결의 합계)의 각자에 나의 내부 페이지 (다른 디렉토리에 다른 페이지)의 에 가장 작은20을 추가한다. 나의 것의 이 전화번호부는 일반 대중에게 불명하 나의 자신의 위치에게 연결을 얻기의 유일한 목적 이다. 위치에서 이익의50%이 웹사이트를 위해 연결 건물으로 가야 하는 것을

After이것, 나는 확인한다. 웹사이트에 의하여 수색 엔진안에 정상 3이 도달할, 자동으로 모든 그에게 g오v 또는 어d으 등등 연결을 얻는 시작한다, 그래서 나는50%에서 주변에25%에 나의 예산을 감소하고 나 자신에게75%을 지킨다.

Sothats나의 웹사이트 전략 및 연결 건물 전략. 너의 전략은 무엇 이는가? 코멘트는 나를 너의 전략을 알는 시키고.

私のリンクはお金にオンライン先端を作戦作る

2008-02-21T18:00:00.003+08:00

私はウェブサイトをかなり動かす。そのほとんどはGoogle の第を1 及び他調査エンジンランク付けする。殆んどはstap の下で調査engines.I の上20 に少なくとも続くあり、私はより多くの得、これらのへのより独特なvisitor.The の信用はよいランキング行く:

ウェブサイト2.Strong の
1.Good そして独特な内容は建物の作戦をつなぐ

Content は王である、皆はknows.Let 私強いリンク建物の作戦の作成についての話言い。どのようなリンクを得るためにいつ、どのようにか。これは私が演説しようと思っているトピックである。しかし講議としてそれを作るかわりに、私は私がするそれをいかにか示すことを公正な行くことである。 (001)This は私のウェブサイト開発及びリンク建物のプロセスである:

日1: 第一に、ウェブサイトを作成するためにあなたが見ているキーワードのためによい範囲を買いなさい。

日2: あなたのkeyword(s) に基づく1 つのページのウェブサイト(およそ300-500 ワード) を作成し、(あなたのキーワードと関連している) wikipedia のページにおよそ3 つから4 つのリンクを与えなさい。あなたの場所にウェブサイト部門を割り当てるためにこれらのwiki リンクはエンジンを捜すのを助ける。それからこのsite.You のための1 つのbacklink を内容が王であり、あなたの内容が1 か月間この場所について忘れ、最初月の間あなたのtraffic.Mybe を見なければあなたのkeyword.Then と関係した熱いあなたの交通実際にならなかったり悲しくないことを覚えなければならない得なさい。

日30: ウェブサイトを内容の5 ページに拡大し、4 つのより多くのリンク、登録簿、blog のポスト、社会的なネットワーキングの場所からの1 をそれぞれ得れば規則的なsite.Now はあなたのウェブサイトのためのキーワードの市場についてのreseach を作る。

日60: これは今それに50-100 ページのウェブサイトをするために私がウェブサイトに取り組み始めるので非常に重要な時間である。私は私が私が作成している私のページのそれぞれのための1 つのリンクを得なければならないことを確かめる。そうこの段階が完了した後、私は私の内部ページに私のホームページおよび1 つのリンクにそれぞれちょうど5 つのリンクを有する。この内部ページリンクはgoogle の補足の索引に入るあなたのページを防ぐ。

日90: これは私が私の自由な登録簿の服従を始める時間である。私は新しい登録簿のための様々なウェブマスターのフォーラムの新し登録簿の発表セクションすべてに続く。これらのリンクは自由のために最も得易く。これら以外、私は疲れている最初に試みること非常に興味がある1000 自由な登録簿におよそ500 にlist.Very 堤出する。日120: 4 かの数か月後に、私はリンク交換を捜し始める。私は2 方法のそれをする。第一に、ウェブマスターにE-メールを送ることによる古く規則的な方法、しかし私はcarigold 及びblogger のフォーラムのようなウェブマスターのフォーラムのこのmethod.Secondly を、好まない。

日150: 私は1 つのリンクの私の場所にあらゆる新しいページのためのおよそ100 つのより多くのページを加えるそれぞれ。はい、これは長時間取るが、実際に価値がある。これは私がホームページにbacklinks のためのおよそ15 の記事の服従をするポイントである。

日180: これはリンクを得私が場所の浪費を始める時間である。私は支払済の登録簿に堤出し始める(を含むよい物のような: yahoo.com 、botw.org 、addalink.org 、alivedirectory.com 等) 。私は支払われた内容埋め込まれたリンクを買い始める。

This は私の場所が砂場及び開始の獲得の私よい量得る時間普通である。この時点で、私はすべての別のタイトルの私の自身の登録簿のおよそ20 にこの場所を加え、description.I はまたこの場所からの私の20 の登録簿(合計400 のリンク) のそれぞれに私の内部ページ(別のディレクトリへの異なったページ) の最少の20 を加える。私の物のこれらの登録簿は一般大衆に未知、私の自身の場所へリンクを得る唯一の目的である。

After これ、私は場所からの利益の50% がウェブサイトのためのリンク建物に入るべきであることを確かめる。ウェブサイトは調査エンジンの上3 に達したら、自動的にそれらのすべてgov またはedu 等リンクを得始める従って私は50% からおよそ25% まで私の予算を減らし、自分自身に75% を保つ。

So thats 私のウェブサイトの作戦およびリンク建物の作戦。あなたの作戦は何であるか。コメントは私にあなたの作戦を知らせ。

Il Mio Collegamento Strategia-Fa A Soldi Le Punte In linea

2008-02-21T17:56:00.002+08:00

Faccio funzionare alcuni Web site. Molti di loro numero rigoglioso uno su Google e su altri motori di ricerca. La maggior parte di loro sono almeno nel principale 20 della ricerca engines.I seguono sotto stap ed ottengo più e l'accreditamento più unico di visitor.The ai questi buon posto va:

1.Good ed il soddisfare unico sul Web site
2.Strong collegano la strategia della costruzione

Content è re, ognuno dice e knows.Let me parlano della generazione della strategia forte della costruzione di collegamento. Come e quando ottenere che tipi di collegamenti? Ciò è il soggetto che sto andando richiamare. Ma invece di farla come conferenza, sono andare giusto presentarsi come lo faccio.

This è il processo della mia costruzione di sviluppo e di collegamento di Web site:

Giorno 1: In primo luogo, compri un dominio che è buono per la parola chiave che state osservando per generare un Web site.

Giorno 2: Generi un Web site della pagina (intorno 300-500 parole) basato sul vostro keyword(s) e dia intorno 3 - 4 collegamenti alle pagine dei wikipedia (relative alla vostra parola chiave). Questi collegamenti di wiki aiuteranno i motori di ricerca per assegnare una Web site-categoria al vostro luogo. Allora ottenga un backlink per questo site.You deve ricordarsi di che il soddisfare è re ed il vostro soddisfare deve relativo con il vostro keyword.Then dimenticarsi circa questo luogo per un mese ed osservare il vostro traffic.Mybe per il primo mese il vostro traffico non realmente caldo ma non è triste.

Giorno 30: Espanda il Web site a 5 pagine del soddisfare ed ottenga 4 nuovi collegamenti, uno ciascuno da un indice, un alberino del blog, un luogo sociale della rete e un site.Now normale fa il reseach circa il mercato di parola chiave per il vostro Web site.

Giorno 60: Ciò è tempo molto importante perché ora comincio lavorare al Web site per rendergli il Web site della pagina 50-100. Mi assicuro che devo ottenere un indietro-collegamento per ciascuna della mia pagina che sto generando. Così dopo che questa fase sia completata, ho appena 5 collegamenti al mio homepage ed a 1 collegamento ciascuno alle mie pagine interne. Questo collegamento interno delle pagine impedisce le vostre pagine che entrano nell'indice supplementare di google.

Giorno 90: Ciò è il tempo in cui inizio le mie presentazioni LIBERE dell'indice. Seguo tutte le sezioni di annuncio dell'nuovo-indice in varie tribune del webmaster per i nuovi indici. Questi collegamenti sono il più facile da ottenere e per libero. Tranne questi, presento ad intorno 500 1000 all'indice libero list.Very stanco ma molto interessato provare in primo luogo.

Giorno 120: Dopo 4 mesi, comincio cercare gli scambi di collegamento. Lo faccio nel metodo due. In primo luogo, il vecchio metodo normale, emailing il webmaster ma io non gradisce questo method.Secondly, sulle tribune del webmaster come la tribuna del blogger e del carigold.

Giorno 150: Aggiungo intorno 100 nuove pagine al mio luogo con 1 collegamento ciascuno per ogni nuova pagina. Sì, questo occorre tempo molto ma è realmente degno esso. Ciò è il punto in cui faccio intorno 15 presentazioni dell'articolo per i backlinks al homepage.

Giorno 180: Ciò è il tempo in cui comincio spendere i soldi sul luogo per ottenere i collegamenti. Comincio presentare agli indici paid (buoni quei compresi come: yahoo.com, botw.org, addalink.org, alivedirectory.com ecc.). Comincio comprare i collegamenti soddisfare-incastonati pagati.

This è normalmente il tempo in cui il mio luogo ottiene intorno di sandbox e dell'inizio mi che guadagnano un certo buon importo. A questo punto, aggiungo questo luogo ad intorno 20 dei miei propri indici con tutto il TITOLO differente e description.I inoltre aggiungono-MENO 20 delle mie pagine interne (pagine differenti agli indici differenti) da questo luogo a ciascuno dei miei 20 indici (un totale di 400 collegamenti). Questi indici di mine sono sconosciuti al grande pubblico ed è solo scopo di ottenere i collegamenti ai miei propri luoghi.

After questo, mi assicuro che 50% del profitto dal luogo dovrebbe andare nuovamente dentro la costruzione di collegamento per il Web site. Quando il Web site ha raggiunto il principale 3 in motori di ricerca, comincia automaticamente ottenere tutti quei i collegamenti del edu o del gov ecc., in modo da riduco il mio preventivo da 50% ad intorno 25% e mantengo il 75% a me.

So la mia strategia di Web site e strategia della costruzione di collegamento. Che cosa è la vostra strategia? Prego il commento e lo lascia conoscere la vostra strategia.

Οι σε απευθείας σύνδεση άκρες χρημάτων στρατηγική-τύπου συνδέσεών μου

2008-02-21T17:52:00.001+08:00

iτρέξτε κάμποσους ιστοχώρους. Πολλοί από τους πυκνός αριθμός ένας σε Google και άλλες μηχανές αναζήτησης. Οι περισσότεροι από τους είναι τουλάχιστον στην κορυφή 20 των μηχανών αναζήτησης Ακολουθώ κάτω από το stap και παίρνω όλο και περισσότερο μοναδικό επισκέπτη Η πίστωση σε αυτοί καλή ταξινόμηση πηγαίνει:

1.Good και μοναδικό περιεχόμενο στη στρατηγική οικοδόμησης συνδέσεων ιστοχώρου
2.Strong

Content είναι βασιλιάς, καθένας λέει και ξέρει ότι με επιτρέψτε να μιλήσω για τη δημιουργία μιας ισχυρής στρατηγικής οικοδόμησης συνδέσεων. Πώς και πότε για να πάρει ποιους τύπους συνδέσεων; Αυτό είναι το θέμα που πρόκειται να εξετάσω. Αλλά αντί της παραγωγής του δεδομένου ότι μια διάλεξη, πρόκειται ακριβώς να παρουσιάσω πώς το κάνω.

This είναι η διαδικασία της ανάπτυξης ιστοχώρου και του κτισίματος συνδέσεών μου:

Ημέρα 1: Αρχικά, αγοράστε μια περιοχή που είναι καλή για τη λέξη κλειδί που κοιτάζετε για να δημιουργήσετε έναν ιστοχώρο.

Ημέρα 2: Δημιουργήστε τον ιστοχώρο μιας σελίδας (περίπου 300-500 λέξεις) βασισμένο στη λέξη κλειδί σας (σ) και δώστε περίπου 3 έως 4 συνδέσεις με τις σελίδες του wikipedia (σχετικές με τη λέξη κλειδί σας). Αυτές οι συνδέσεις wiki θα βοηθήσουν να ψάξουν τις μηχανές για να ορίσουν μια ιστοχώρος-κατηγορία στην περιοχή σας. Κατόπιν πάρτε ένα backlink για αυτήν την περιοχή Πρέπει να θυμηθείτε ότι το περιεχόμενο είναι βασιλιάς και το περιεχόμενό σας πρέπει σχετικός με τη λέξη κλειδί σας Κατόπιν ξεχάστε για αυτήν την περιοχή για έναν μήνα και φανείτε η κυκλοφορία σας Mybe για τον πρώτο μήνα η κυκλοφορία σας όχι πραγματικά καυτή αλλά dont να είστε λυπημένος.

Ημέρα 30: Επεκτείνετε τον ιστοχώρο σε 5 σελίδες του περιεχομένου και πάρτε 4 περισσότερες συνδέσεις, μια κάθε από έναν κατάλογο, μια θέση blog, μια κοινωνική περιοχή δικτύωσης και μια κανονική περιοχή Τώρα κάνετε reseach για την αγορά λέξης κλειδιού για τον ιστοχώρο σας.

Ημέρα 60: Αυτό είναι πολύ σημαντικός χρόνος επειδή τώρα αρχίζω στον ιστοχώρο για να τον κάνω τον ιστοχώρο σελίδων 50-100. Σιγουρεύομαι ότι πρέπει να πάρω μια πίσω-σύνδεση για κάθε μια από τη σελίδα μου που δημιουργώ. Έτσι αφότου ολοκληρώνεται αυτή η φάση, έχω ακριβώς 5 συνδέσεις με την αρχική σελίδα και 1 μου να συνδέσουν κάθε μια με τις εσωτερικές σελίδες μου. Αυτή η εσωτερική σύνδεση σελίδων αποτρέπει τις σελίδες σας στο συμπληρωματικό δείκτη του google.

Ημέρα 90: Αυτό είναι ο χρόνος όταν αρχίζω τις ΕΛΕΥΘΕΡΕΣ υποβολές καταλόγου μου. Ακολουθώ όλα τα τμήματα ανακοίνωσης νέος-καταλόγου στα διάφορα φόρουμ webmaster για τους νέους καταλόγους. Αυτές οι συνδέσεις είναι οι ευκολότερες να πάρουν και δωρεάν. Εκτός από αυτούς, υποβάλλω σε περίπου 500 έως τον ελεύθερο κατάλογο καταλόγου 1000 πολύ που κουράζεται αλλά πολύ ενδιαφερόμενο να προσπαθήσει πρώτα.

Ημέρα 120: Μετά από 4 μήνες, αρχίζω τις ανταλλαγές συνδέσεων. Το κάνω στη μέθοδο δύο. Αρχικά, η παλαιά κανονική μέθοδος, με ταξυδρομείο ταξυδρομείο του webmaster αλλά του ι dont όπως αυτήν την μέθοδο Αφετέρου, στο webmaster τα φόρουμ συμπαθούν το carigold και blogger το φόρουμ.

Ημέρα 150: Προσθέτω περίπου 100 περισσότερες σελίδες στην περιοχή μου με 1 σύνδεση κάθε μια για κάθε νέα σελίδα. Ναι, αυτό παίρνει πολύ χρόνο αλλά αξίζει τον κόπο πραγματικά. Αυτό είναι το σημείο όπου κάνω περίπου 15 υποβολές άρθρου για τα backlinks στην αρχική σελίδα. Ημέρα 180: Αυτό είναι ο χρόνος όταν αρχίζω τα χρήματα στην περιοχή για να πάρω τις συνδέσεις. Αρχίζω στους πληρωμένους καταλόγους (συμπεριλαμβανομένων καλών όπως: yahoo.com, botw.org, addalink.org, alivedirectory.com κ.λπ.). Αρχίζω τις πληρωμένες ικανοποιημένος-ενσωματωμένες συνδέσεις.

This είναι κανονικά ο χρόνος όταν παίρνει γύρω η περιοχή μου sandbox και αρχίζει με κάποιο καλό ποσό. Σε αυτό το σημείο, προσθέτω αυτήν την περιοχή σε περίπου 20 των καταλόγων μου με όλους το διαφορετικούς ΤΙΤΛΟ και την περιγραφή Προσθέτω επίσης-ΛΙΓΌΤΕΡΑ 20 των εσωτερικών σελίδων μου (διαφορετικές σελίδες στους διαφορετικούς καταλόγους) από αυτήν την περιοχή σε κάθε ένας από 20 καταλόγους (συνολικούς 400 συνδέσεών μου). Αυτοί οι κατάλογοι του ορυχείου είναι άγνωστοι στο ευρύ κοινό και είναι μόνος σκοπός τις συνδέσεις στις περιοχές μου.

After αυτό, σιγουρεύομαι ότι 50% του κέρδους από την περιοχή πρέπει να επιστρέψει στο κτήριο συνδέσεων για τον ιστοχώρο. Όταν ο ιστοχώρος φθάσει στην κορυφή 3 στις μηχανές αναζήτησης, αρχίζει αυτόματα όλους εκείνους γοβ ή εδu τις συνδέσεις κ.λπ., έτσι μειώνω τον προϋπολογισμό μου από 50% σε περίπου 25% και κρατώ το 75% σε με.

So thats η στρατηγική ιστοχώρου μου και στρατηγική οικοδόμησης συνδέσεων. Ποια είναι η στρατηγική σας; Παρακαλώ σχολιάστε και κοινοποιεί σε με τη στρατηγική σας

Meine Verbindung Strategie-Bilden Geld On-line-Spitzen

2008-02-21T17:48:00.002+08:00

Classen Sie ziemlich viele Web site laufen. Viele von ihnen widerliche Nr. eine auf Google und anderen Search Engines. Die meisten ihnen sind mindestens in Oberseite 20 der Suche engines.I folgen unterhalb des stap und ich erhalte immer geht einzigartigere visitor.The Gutschrift zu diesen gute Klassifizierung:

1.Good und einzigartiger Inhalt auf Web site
2.Strong verbindet Gebäudestrategie

Content ist König, sagt jeder und knows.Let ich sprechen über das Verursachen einer starken Verbindung Gebäudestrategie. Wie und wann man welche Arten der Verbindungen erhält? Dieses ist das Thema, das ich adressieren werde. Aber, anstatt, es als Vortrag zu bilden, bin ich gerechtes Gehen, darzustellen, wie ich tue es. Dieses ist der Prozeß meines Web site Entwicklung und Verbindung Gebäudes:

Tag 1: Erstens kaufen Sie ein Gebiet, das für das Schlüsselwort gut ist, das, Sie schauen, um eine Web site zu verursachen.

Tag 2: Verursachen Sie eine Seite Web site (herum 300-500 Wörter) basiert auf Ihrem keyword(s) und geben Sie herum 3 bis 4 Verbindungen zu den Seiten der wikipedias (bezogen auf Ihrem Schlüsselwort). Diese wiki Verbindungen helfen Search Engines, um eine Web site-Kategorie Ihrem Aufstellungsort zuzuweisen. Erhalten Sie dann ein backlink für dieses site.You muß sich erinnern, daß Inhalt König ist und Ihr Inhalt in Verbindung stehend mit Ihrem keyword.Then über diesen Aufstellungsort für einen Monat vergessen und Ihr traffic.Mybe nach erstem Monat schauen muß Ihr Verkehr nicht wirklich heiß aber nicht traurig ist.

Tag 30: Erweitern Sie die Web site zu 5 Seiten Inhalt und erhalten Sie 4 weitere Verbindungen, eine je von einem Verzeichnis, ein blog Pfosten, ein Sozialnetzwerkanschlußaufstellungsort und ein regelmäßiges site.Now bilden reseach über Schlüsselwortmarkt für Ihre Web site.

Tag 60: Dieses ist sehr wichtige Zeit, weil jetzt ich anfange, auf der Web site zu arbeiten, um es Seite 50-100 Web site zu bilden. Ich überprüfe, ob ich eine Zurückverbindung für jede meiner Seite erhalten muß, die ich herstelle. So, nachdem diese Phase durchgeführt ist, habe ich gerade 5 Verbindungen zu meinem homepage und zu 1 Verbindung jedes zu meinen internen Seiten. Diese interne Seiten Verbindung verhindern Ihre Seiten, die in zusätzlichen Index von google einsteigen.

Tag 90: Dieses ist die Zeit, als ich meine FREIEN Verzeichnisunterordnungen beginne. Ich folge allen Neuverzeichnis Ansage Abschnitten in den verschiedenen webmaster Foren für neue Verzeichnisse. Diese Verbindungen sind das einfachste, und für freies zu erhalten. Anders als diese reiche ich bis herum 500 bis 1000 das freie ermüdete aber sehr interessiert Verzeichnis list.Very, zuerst zu versuchen ein.

Tag 120: Nach 4 Monaten fange ich an, nach Verbindung Austäuschen zu suchen. Ich tue sie in Methode zwei. Erstens mögen die alte regelmäßige Methode, indem sie das webmaster aber emailing, ich nicht dieses method.Secondly, auf webmaster Foren wie carigold und blogger Forum.

Tag 150: Ich füge herum 100 weitere Seiten meinem Aufstellungsort mit 1 Verbindung jede für jede neue Seite hinzu. Ja nimmt dieses, viel Zeit aber ist wirklich wert es. Dieses ist der Punkt, in dem ich herum 15 Artikelunterordnungen für backlinks zum homepage tue.

Tag 180: Dieses ist die Zeit, als ich Ausgabe Geld auf dem Aufstellungsort beginne, um Verbindungen zu erhalten. Ich fange an, bei zahlenden Verzeichnissen einzureichen (die einschließlich gute wie: yahoo.com, botw.org, addalink.org, alivedirectory.com etc.). Ich fange an, gezahlte Inhalt-eingebettete Verbindungen zu kaufen.

This ist normalerweise die Zeit, als mein Aufstellungsort herum vom sandbox und von Anfang erhält, die mir irgendeine gute Menge erwerben. An diesem Punkt füge ich diesen Aufstellungsort herum 20 meiner eigenen Verzeichnisse mit allem unterschiedlichen TITEL hinzu und description.I fügen auch an-wenige 20 meiner internen Seiten (unterschiedliche Seiten zu den unterschiedlichen Verzeichnissen) von diesem Aufstellungsort jedem meiner 20 Verzeichnisse hinzu (Gesamtmenge von 400 Verbindungen). Diese Verzeichnisse von meinen sind Öffentlichkeit unbekannt und sind alleiniger Zweck des Gelangens der Verbindungen an meine eigenen Aufstellungsorte.

After dieses, überprüfe ich, ob 50% des Profites vom Aufstellungsort zurück in das Verbindung Gebäude für die Web site gehen sollte. Wenn die Web site Oberseite 3 in den Search Engines erreicht hat, fängt sie automatisch an, alle jene gov oder edu etc. Verbindungen zu erhalten, also verringere ich meinen Etat von 50% bis herum 25% und halte das 75% zu mich. (thats 11)So meine Web site Strategie und Verbindung Gebäudestrategie. Was ist Ihre Strategie? Bitte Anmerkung und informieren mich Ihre Strategie.

Mon Lien Stratégie-Font À Argent Des Bouts En ligne

2008-02-21T17:44:00.002+08:00

Ccourez quelques sites Web. Bon nombre d'entre eux numéro luxuriant un sur Google et d'autres moteurs de recherche. La plupart d'entre eux est au moins dans le principal 20 de la recherche engines.I suit au-dessous du stap et j'obtiens de plus en plus un degré de solvabilité plus unique de visitor.The aux ces bon rang disparaît :

1.Good et contenu unique sur le site Web
2.Strong lient la stratégie de bâtiment

Le contenu est roi, tout le monde indique et knows.Let je parlent de créer une stratégie forte de bâtiment de lien. Comment et quand obtenir quels types de liens ? C'est la matière que je vais adresser. Mais au lieu de la faire comme conférence, je suis aller juste présenter comment je le fais. C'est le processus de mon bâtiment de développement et de lien de site Web :

Jour 1 : Premièrement, achetez un domaine qui est bon pour le mot-clé que vous regardez pour créer un site Web.

Jour 2 : Créez un site Web de page (autour 300-500 mots) basé sur votre keyword(s) et donnez autour 3 à 4 liens aux pages des wikipedia (liées à votre mot-clé). Ces liens de wiki aideront des moteurs de recherche pour assigner une site Web-catégorie à votre emplacement. Obtenez alors un backlink pour ce site.You doit se rappeler que le contenu est roi et votre contenu doit connexe avec votre keyword.Then oublier cet emplacement pendant un mois et regarder votre traffic.Mybe pour le premier mois votre trafic pas vraiment chaud mais n'est pas triste.

Jour 30 : Augmentez le site Web à 5 pages de contenu et obtenez 4 liens supplémentaires, un à partir d'un annuaire, un poteau de blog, un emplacement social de gestion de réseau et un site.Now régulier fait le reseach au sujet du marché de mot-clé pour votre site Web.

Jour 60 : C'est temps très important parce que maintenant je commence à travailler au site Web pour lui faire le site Web de la page 50-100. Je m'assure que je dois obtenir un en arrière-lien pour chacune de ma page que je crée. Ainsi après que cette phase soit finie, j'ai juste 5 liens à mon homepage et à 1 lien chacun à mes pages internes. Ce lien interne de pages empêchent vos pages entrant dans l'index supplémentaire du google.

Jour 90 : C'est le moment où je commence mes soumissions LIBRES d'annuaire. Je suis toutes les sections d'annonce d'nouveau-annuaire dans divers forum de webmaster pour de nouveaux annuaires. Il est le plus facile obtenir ces liens et pour libre. Autre que ces derniers, je soumets environ à 500 1000 à l'annuaire libre list.Very fatigué mais très intéressé d'essayer d'abord.

Jour 120 : Après 4 mois, je commence à rechercher des échanges de lien. Je le fais dans la méthode deux. Premièrement, la vieille méthode régulière, par emailing le webmaster mais moi n'aiment pas ce method.Secondly, sur des forum de webmaster comme le forum de carigold et de blogger.

Jour 150 : J'ajoute autour 100 pages supplémentaires à mon emplacement avec 1 lien chacune pour chaque nouvelle page. Oui, ceci prend beaucoup de temps mais est vraiment en valeur lui. C'est le point où je fais autour 15 soumissions d'article pour des backlinks au homepage.

Jour 180 : C'est le moment où je commence l'argent de poche sur l'emplacement pour obtenir des liens. Je commence à soumettre aux annuaires payés (bons les y compris comme : yahoo.com, botw.org, addalink.org, alivedirectory.com etc.). Je commence à acheter des liens contenu-incorporés payés.

This est normalement le moment où mon emplacement obtient autour du sandbox et du début me gagnant une certaine bonne quantité. En ce moment, j'ajoute cet emplacement environ à 20 de mes propres annuaires avec tout le TITRE différent et description.I ajoutent également à-moindres 20 de mes pages internes (différentes pages à différents annuaires) de cet emplacement à chacun de mes 20 annuaires (total de 400 liens). Ces annuaires du mien sont inconnus au grand public et sont but unique d'obtenir des liens à mes propres emplacements.

After ceci, je m'assure que 50% du bénéfice de l'emplacement devrait aller de nouveau dans le bâtiment de lien pour le site Web. Quand le site Web a atteint le principal 3 dans des moteurs de recherche, il commence automatiquement à obtenir à tous ces des liens de gov ou d'edu etc., ainsi je ramène mon budget de 50% environ à 25% et garde le 75% à me. (thats 11)So ma stratégie de site Web et stratégie de bâtiment de lien. Quelle est votre stratégie ? Svp le commentaire et me font savoir votre stratégie.

Mijn het strategie-Merk van de Verbinding Online Uiteinden van het Geld

2008-02-21T17:40:00.002+08:00

istel heel wat websites in werking. Veel van hen weelderig aantal op Google en andere onderzoeksmotoren. De meesten van hen zijn op zijn minst in bovenkant 20 van onderzoeksmotoren Ik volg onder stap en ik word meer en meer unieke bezoeker Het krediet aan deze het goede rangschikken gaat:

1.Good en unieke inhoud op website
2.Strong verbinding de bouwstrategie

De inhoud is koning, zegt iedereen en weet me over het creëren van een sterke verbinding de bouwstrategie laat spreken. Hoe en wanneer om welke types van verbindingen te krijgen? Dit is het onderwerp ik ga richten. Maar in plaats van het maken van het aangezien een lezing, ik enkel hoe ga voorstellen doe ik het. Dit is het proces van mijn websiteontwikkeling en verbindingsbouw:

Dag 1: Ten eerste, koop een domein dat voor het sleutelwoord goed is u kijkt om een website tot stand te brengen.

Dag 2: Creëer één paginawebsite (rond 300-500 woorden) die op uw sleutelwoord (s) wordt gebaseerd en geef rond 3 tot 4 verbindingen aan de pagina's van wikipedia (met betrekking tot uw sleutelwoord). Deze wikiverbindingen zullen helpen motoren zoeken om een website-categorie aan uw plaats toe te wijzen. Dan krijg één backlink voor deze plaats U moet zich herinneren de inhoud koning is en uw inhoud moet verwant met uw sleutelwoord Dan vergeet over deze plaats voor een maand en kijk uw verkeer Mybe voor eerste maand uw niet werkelijk heet verkeer maar dont droevig ben.

Dag 30: Uitbreid de website aan 5 pagina's van inhoud en word 4 meer verbindingen, één van een folder, een blogpost, elk een sociale voorzien van een netwerkplaats en een regelmatige plaats Maak nu reseach over sleutelwoordmarkt voor uw website.

Dag 60: Dit is zeer belangrijke tijd omdat nu ik begin aan de website te werken om tot het 50-100 paginawebsite te maken. Ik zorg ervoor dat ik één achter-verbinding voor elk van mijn pagina moet krijgen ik creëer. Zo nadat deze fase wordt voltooid, heb ik enkel 5 verbindingen aan mijn homepage en 1 elk met mijn interne pagina's verbinden. Deze interne pagina'sverbinding verhindert uw pagina's gaand in supplementaire index van google.

Dag 90: Dit is de tijd wanneer ik mijn VRIJE foldervoorlegging begin. Ik volg alle secties van de nieuw-folderaankondiging in diverse webmasterforums voor nieuwe folders. Deze verbindingen zijn het gemakkelijkst en kostenloos vrij te krijgen. Buiten deze, ik aan rond 500 tot 1000 vrije folderlijst zeer voor vermoeid maar zeer geinteresseerd leg eerst te proberen.

Dag 120: Na 4 maanden, begin ik verbindingsuitwisselingen te zoeken. Ik doe het in methode twee. Ten eerste, de oude regelmatige methode, door webmaster maar I dont zoals deze methode met de elektronische post te versturen Ten tweede, op webmaster houden de forums van carigold en blogger forum. Dag 150: Ik voeg rond 100 meer pagina's aan mijn plaats met 1 verbinding toe elk voor elke nieuwe pagina. Ja, vergt dit werkelijk heel wat tijd maar is de moeite waard. Dit is het punt waar ik rond 15 artikelvoorlegging voor backlinks aan de homepage doe.

Dag 180: Dit is de tijd wanneer ik begin geld aan de plaats te besteden om verbindingen te krijgen. Ik begin aan betaalde folders (met inbegrip van goede degenen als: yahoo.com, botw.org, addalink.org, alivedirectory.com enz.) voor te leggen. Ik begin betaalde tevreden-ingebedde verbindingen te kopen. Dit is normaal de tijd wanneer mijn plaats rond van sandbox wordt en begint me te verdienen één of ander goed bedrag. Op dit punt, ik toevoeg deze plaats aan rond 20 van mijn eigen folders met al verschillende TITEL en de beschrijving Ik voeg ook bij-minste 20 van mijn interne pagina's (verschillende pagina's aan verschillende folders) van deze plaats aan elk van mijn 20 totale folders (van 400 verbindingen toe).

Deze folders van mijn zijn onbekend aan groot publiek en is enig doel om verbindingen aan mijn eigen plaatsen te krijgen. Na dit, zorg ik ervoor dat 50% van de winst van de plaats in het verbindingsgebouw voor de website zou moeten teruggaan. Wanneer de website bovenkant 3 in onderzoeksmotoren heeft bereikt, begint het automatisch al die gov of edu enz.verbindingen te krijgen, zodat verminder ik mijn begroting van 50% tot rond 25% en houd 75% aan mij. Zo thats mijn websitestrategie en verbinding de bouwstrategie. Wat is uw strategie? Becommentariëer gelieve en me uw strategie te laten kennen.

Mi Estrategia Del Acoplamiento

2008-02-21T17:35:00.002+08:00

I funcione bastantes Web site. Muchos de ellos número espeso uno en Google y otros motores de búsqueda. La mayoría de ellos están por lo menos en la tapa 20 de la búsqueda engines.I siguen debajo de stap y consigo más y un crédito más único de visitor.The a estos buena graduación va:

1.Good y el contenido único en el Web site
2.Strong ligan estrategia del edificio

El contenido es rey, todos dice y knows.Let yo hablan de crear una estrategia fuerte del edificio del acoplamiento. ¿Cómo y cuándo conseguir qué tipos de acoplamientos? Éste es el asunto que voy a tratar. Pero en vez de hacerlo como conferencia, soy el ir justo a presentar cómo lo hago lo hago. Éste es el proceso de mi edificio del desarrollo y del acoplamiento del Web site:

Día 1: En primer lugar, compre un dominio que sea bueno para la palabra clave que usted está mirando para crear un Web site.

Día 2: Cree un Web site de la página (alrededor 300-500 palabras) basado en su keyword(s) y dé alrededor 3 a 4 acoplamientos a las páginas de los wikipedia (relacionadas con su palabra clave). Estos acoplamientos del wiki ayudarán a los motores de búsqueda para asignar una Web site-categori'a a su sitio. Entonces consiga un backlink para este site.You debe recordar que el contenido sea rey y su contenido debe relacionado con su keyword.Then olvidarse sobre este sitio por un mes y mirar su traffic.Mybe para el primer mes su tráfico no realmente caliente pero no es triste.

Día 30: Amplíe el Web site a 5 páginas de contenido y consiga 4 más acoplamientos, uno por cada uno de un directorio, un poste del blog, un sitio social del establecimiento de una red y un site.Now regular hace el reseach sobre el mercado de la palabra clave para su Web site.

Día 60: Éste es tiempo muy importante porque ahora comienzo a trabajar en el Web site para hacerle Web site de la página 50-100. Me cercioro de que tenga que conseguir un detra's-acoplamiento para cada uno de mi página que estoy creando. Tan después de que se termine esta fase, tengo apenas 5 acoplamientos a mi homepage y a 1 acoplamiento cada uno a mis páginas internas. Este acoplamiento interno de las páginas previene sus páginas que entran el índice suplemental del google.

Día 90: Éste es el tiempo en que comienzo mis sumisiones LIBRES del directorio. Sigo todas las secciones del aviso del nuevo-directorio en los varios foros del webmaster para los nuevos directorios. Estos acoplamientos son los más fáciles de conseguir y para libre. Con excepción de éstos, someto a alrededor 500 1000 al directorio libre list.Very cansado pero muy interesado intentar primero.

Día 120: Después de 4 meses, comienzo a buscar intercambios del acoplamiento. Lo hago en el método dos. En primer lugar, el viejo método regular, emailing el webmaster sino yo no tiene gusto de este method.Secondly, en foros del webmaster como foro del carigold y del blogger. Día 150: Agrego alrededor 100 más páginas a mi sitio con 1 acoplamiento cada uno para cada página nueva. Sí, esto toma mucho tiempo pero está realmente digno de él. Éste es el punto donde hago alrededor 15 sumisiones del artículo para los backlinks al homepage.

Día 180: Éste es el tiempo en que comienzo el dinero de gasto en el sitio para conseguir acoplamientos. Comienzo a someter a los directorios pagados (buenos los incluyendo como: yahoo.com, botw.org, addalink.org, alivedirectory.com etc.). Comienzo a comprar acoplamientos contenido-encajados pagados.

Éste es normalmente el tiempo en que mi sitio consigue alrededor del sandbox y del comienzo que me ganan una cierta buena cantidad. A este punto, agrego este sitio a alrededor 20 de mis propios directorios con todo el diverso TÍTULO y description.I también agregan en-menos 20 de mis páginas internas (diversas páginas a diversos directorios) de este sitio a cada uno de mis 20 directorios (total de 400 acoplamientos). Estos directorios los míos son desconocidos al público en general y son propósito único de conseguir acoplamientos a mis propios sitios.

Después de esto, me cercioro de que el 50% del beneficio del sitio vayan nuevamente dentro del edificio del acoplamiento para el Web site. Cuando el Web site ha alcanzado la tapa 3 en motores de búsqueda, comienza automáticamente a conseguir a todos esos acoplamientos del gov o del edu etc., así que reduzco mi presupuesto a partir de la 50% al alrededor 25% y guardo el 75% a me. Tan thats mi estrategia del Web site y estrategia del edificio del acoplamiento. ¿Cuál es su estrategia? Por favor el comentario y me deja saber su estrategia.

我的链接大厦战略

2008-02-21T17:21:00.002+08:00

I跑一些网站。大多数排列第号一个在Google 和其他查寻引擎。大多数是至少在名列前茅20 查寻engines.I 随后而来在stap 之下并且我得到越来越更加独特的visitor.The 信用对这些好等第是:

1.Good 和独特的内容在网站
2.Strong 连接大厦战略内容是国王, 大家认为并且knows.Let 我谈论创造一个强的链接大厦战略。怎样并且何时得到什么样的链接? 这是我演讲的题目。但而不是做它作为演讲, 我是正义去提出怎么我做它。这是我的网站发展和链接大厦的过程:

天1: 首先, 买是好的为主题词您看创造网站的领域。

天2: 创造一个页网站(大约300-500 个词) 根据您的keyword(s) 和给大约3 个到4 个链接wikipedia 的页(与您的主题词有关) 。这些wiki 链接将帮助搜寻引擎分配网站类别到您的站点。然后得到一backlink 为这site.You 必须记住内容是国王并且您的内容必须相关与您的keyword.Then 忘掉这个站点一个月和看您的traffic.Mybe 在第一个月您的交通不真正地热但不是哀伤的。

天30: 扩展网站对内容5 页和得到4 个另外链接, 一个每从目录, blog 岗位, 一个社会网络站点并且规则site.Now 做reseach 关于主题词市场为您的网站。

天60: 这是非常重要时间因为我现在开始从事网站做它50-100 页网站。我确信, 我必须得到一个链接为我创造的每个我的页。如此在这个阶段被结束之后, 我有5 个链接对我的主页和1 个链接每个对我的内部页。这个内部页链接防止您的页进入google 补充索引。

天90: 这是时候当我开始我的自由目录提议。我跟随所有新目录公告部分以为新目录的各种各样的万维网主管论坛。这些链接最容易得到和为自由。除这些之外, 我递交到大约500 到1000 自由目录list.Very 疲倦但非常感兴趣首先尝试。

天120: 在4 个月以后, 我开始寻找链接交换。我做它在二方法。首先, 老规则方法, 由给万维网主管发电子邮件而是我不喜欢这method.Secondly, 在万维网主管论坛象carigold 和blogger 论坛。

天150: 我增加大约100 另外页来我的站点以1 个链接每个为每新页。是, 这需要很多时间但真正地是价值它。这是我做大约15 项文章提议为backlinks 对主页的点。

天180: 这是时候当我开始零用钱在站点得到链接。我开始递交给有偿的目录(包括好那些象: yahoo.com 、botw.org 、addalink.org, alivedirectory.com 等) 。我开始买被支付的内容嵌入链接。这通常是时候当我的站点得到沙盒和起动收入我某一好数额。这时, 我增加这个站点来大约20 我自己的目录以所有另外标题并且description.I 并且增加在最少20 我的内部页(不同的页对不同的目录) 从这个站点来每个我的20 个目录(共计400 个链接) 。我的这些目录是未知的对公众和是得到链接的单一目的对我自己的站点。在这以后, 我确信, 50% 赢利从站点应该去回到链接大厦为网站。当网站到达了名列前茅3 在查寻引擎里, 它自动地开始得到所有那些gov 或edu 等链接, 因此我使我的预算降低从50% 到大约25% 和保留75% 对我自己。如此thats 我的网站战略和链接大厦战略。什么是您的战略? 请评论, 告诉我您的战略。

Link Building Strategy-Main Strategy

2008-02-21T16:40:00.006+08:00

I run quite a few websites. Many of them rank number one on Google and other search engines. Most of them are at least in top 20 of search engines.I follow below stap and i get more and more unique visitor.The credit to these good ranking goes to:

1.Good and unique content on website
2.Strong link building strategy

Content is king, everybody says and knows.Let me talk about creating a strong link building strategy. How and when to get what types of links? This is the topic I am going to address. But instead of making it as a lecture, I am just going to present how do I do it.

This is the process of my website development and link building:

Day 1: Firstly,buy a domain which is good for the keyword you are looking to create a website.

Day 2: Create one page website (around 300-500 words) based on your keyword(s) and give around 3 to 4 links to wikipedia’s pages (related to your keyword). These wiki links will help search engines to assign a website-category to your site. Then get one backlink for this site.You must remember content is king and your content must related with your keyword.Then forget about this site for a month and look your traffic.Mybe for first month your traffic not really hot but dont be sad.

Day 30: Expand the website to 5 pages of content and get 4 more links, one each from a directory, a blog post, a social networking site and a regular site.Now make reseach about keyword market for your website.

Day 60: This is very important time because now I start working on the website to make it 50-100 page website. I make sure that I have to get one back-link for each of my page I am creating. So after this phase is completed, I have just 5 links to my homepage and 1 link each to my internal pages. This internal pages link prevent your pages going into supplemental index of google.

Day 90: This is the time when I start my FREE directory submissions. I follow all the new-directory announcement sections in various webmaster forums for new directories. These links are the easiest to get and for free. Other than these, I submit to around 500 to 1000 free directory list.Very tired but very interested to try first.

Day 120: After 4 months, I start looking for link exchanges. I do it in two method. Firstly, the old regular method, by emailing the webmaster but i dont like this method.Secondly, on webmaster forums like carigold and blogger forum.

Day 150: I add around 100 more pages to my site with 1 link each for every new page. Yes, this takes a lot of time but is really worth it. This is the point where I do around 15 article submissions for backlinks to the homepage.

Day 180: This is the time when I start spending money on the site to get links. I start submitting to paid directories (including good ones like: yahoo.com, botw.org, addalink.org, alivedirectory.com etc.). I start buying paid content-embedded links.

This is normally the time when my site gets around of sandbox and start earning me some good amount. At this point, I add this site to around 20 of my own directories with all different TITLE and description.I also add at-least 20 of my internal pages (different pages to different directories) from this site to each of my 20 directories (total of 400 links). These directories of mine are unknown to general public and is sole purpose of getting links to my own sites.

After this, I make sure that 50% of the profit from the site should go back into the link building for the website. When the website has reached top 3 in search engines, it automatically starts getting all those .gov or .edu etc. links, so I reduce my budget from 50% to around 25% and keep the 75% to myself.

So thats my website strategy and link building strategy. What is your strategy? Please comment and do let me know your strategy.

Managing Ads-Video

2008-02-05T16:50:00.001+08:00

2008-02-05T16:49:00.001+08:00

Technorati Profile

What is Blogger?

2008-02-04T16:45:00.001+08:00

Okey Berofe i continues to learn your more about adsense.I think you should know about blog.

How to make high quality blog

Firstly your must have your own idea to write your articel in blog.

Some of you take easy way and just copy and paste articel into their blog.However sometime other visitor not really like your skill because you dont have idea to increace your traficc.

1.own idea
2.kreatif
3.good publicity

So what relationship between Blog and Adsense

If you have a blog, or are thinking about starting a blog, then you are definitely going to want to read this article. It’s all about how to line your pockets with money that’s just waiting to be made without working much harder than you already are.

No only are blogs the hottest thing on the ‘net right now, but they are custom-made for Google’s AdSense program. Why? It’s simple. Blogs represent constantly changing and fresh content to Google’s search engine spiders. Feeding fresh content to those little spiders is just like tossing raw meat to a tiger. They just gobble it up.

The more pages of your blog that get indexed, the more traffic you get. And the more traffic you get, the more exposure your AdSense ads get. Are you beginning to see where I’m heading here? It’s not just Google that loves new content, all of the major engines do. In fact, some web-savvy bloggers are testing Google ads on one page and Overture ads on the other. It doesn’t take too long to see which ads are doing the best when you have nearly side-by-side comparison statistics to look at. Just don’t make the mistake of putting Google and Overture ads on the same page together. While they won’t kill each other like a pair of Siamese fighting fish in the same bowel will, you will be violating both sites’ Terms of Service, and it isn’t worth killing the goose (geese) that laid the golden egg.

How To Put Adsense Into Your Blog

Very easy to put your adsense using blog because you just click add new page.After that click adsense button and choose size for your ads.Make sure your blank ads same with your background because blank ads is very important to trap your visitor.Finally Click Save and View blog

Start Writing Today

2008-02-04T16:05:00.001+08:00

Mmm.Welcome to Blogger.

My name is Faisal.In this blog i want to share how you can generate money using internet exspecial for newbies or teenager.Before your start you must have few item such as:-

1.own website-if you dont have one your can contact me- faisaludeen@yahoo.com
2.Blog account-register at http://www.blogger.com/
3.Adsense account-register at www.google.com/adsense

So what is Adsense??

okay, Google Adsense is one of the easiest way to allow webmasters to make money from content websites. You just need to add some simple javascript codes on the web pages, and then when visitors click the ads, you make money. No need to sell and think yourself, Google does all thinking for you.

Too easy, right?

Google Adsense is really a gold mine. People are creating niche websites just to display the ads and make easy money everyday - automatically. There are so many success stories about people earning thousands of dollars a month from Adsense! If you don’t have an Adsense account yet, you should get one and start profiting from it!

However, not all who applied for an Adsense account gets approved. You need to show your content websites to Google first to get approved. Then how if you don’t have a content website? No need to worry, here is a secret method to get approved - fast and easily.

Your Adsense account will get approved in several days. Happy profiting from Adsense!

Okey.Now Read Next Post