STUDENT LOANS CONSILIDATION

Changes to Google Privacy Policy and Terms of Service

2012-01-25T19:01:00.001-08:00

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Dear Google user, We're getting rid of over 60 different privacy policies across Google and replacing them with one that's a lot shorter and easier to read. Our new policy covers multiple products and features, reflecting our desire to create one beautifully simple and intuitive experience across Google. We believe this stuff matters, so please take a few minutes to read our updated Privacy Policy and Terms of Service at http://www.google.com/policies. These changes will take effect on March 1, 2012.
One policy, one Google experience

Easy to work across Google Our new policy reflects a single product experience that does what you need, when you want it to. Whether reading an email that reminds you to schedule a family get-together or finding a favorite video that you want to share, we want to ensure you can move across Gmail, Calendar, Search, YouTube, or whatever your life calls for with ease.	Tailored for you If you're signed into Google, we can do things like suggest search queries – or tailor your search results – based on the interests you've expressed in Google+, Gmail, and YouTube. We'll better understand which version of Pink or Jaguar you're searching for and get you those results faster.	Easy to share and collaborate When you post or create a document online, you often want others to see and contribute. By remembering the contact information of the people you want to share with, we make it easy for you to share in any Google product or service with minimal clicks and errors.

Protecting your privacy hasn't changed Our goal is to provide you with as much transparency and choice as possible, through products like Google Dashboard and Ads Preferences Manager, alongside other tools. Our privacy principles remain unchanged. And we'll never sell your personal information or share it without your permission (other than rare circumstances like valid legal requests).	Understand how Google uses your data If you want to learn more about your data on Google and across the web, including tips and advice for staying safe online, check out http://www.google.com/goodtoknow	Got questions? We got answers. Visit our FAQ at http://www.google.com/policies/faq to read more about the changes. (We figured our users might have a question or twenty-two.)

Notice of Change March 1, 2012 is when the new Privacy Policy and Terms will come into effect. If you choose to keep using Google once the change occurs, you will be doing so under the new Privacy Policy and Terms of Service. Please do not reply to this email. Mail sent to this address cannot be answered. Also, never enter your Google Account password after following a link in an email or chat to an untrusted site. Instead, go directly to the site, such as mail.google.com or www.google.com/accounts. Google will never email you to ask for your password or other sensitive information.

MUHAMMADA, Informasi penting antara MUHAMMADA dan saya.

2011-12-16T07:06:00.001-08:00

Assalamua'laikum wrt. wbt. dan salam sejahtera MUHAMMADA,

****** NOTA ******

MUHAMMADA menerima emel ini adalah kerana MUHAMMADA
pernah mendaftar pada salah satu laman web saya sama ada secara
percuma ataupun merupakan salah seorang pelanggan saya.

******************

Apa khabar? Saya doakan semoga MUHAMMADA sentiasa berada
dalam keadaan yang sihat sejahtera disamping insan - insan yang
tersayang. :)

Sudah BEGITU lama saya tidak mengirimkan emel 'personal' kepada
MUHAMMADA.

Memandangkan kita kini sedang berada di penghujung tahun 2011,
saya percaya ramai sahabat - sahabat saya termasuk MUHAMMADA
sendiri sedang atau telahpun merencana aktiviti - aktiviti dan
azam baru yang ingin dicapai pada tahun 2012.

Begitu juga dengan saya.

Sepanjang tahun 2011 ini saya tidak begitu aktif dengan pemasaran
internet dipasaran tempatan dan hanya terlibat secara sambilan
sahaja kerana saya lebih banyak memberi fokus kepada kerja - kerja
system development, maintenance & programming dan juga
khidmat consultation sistem ecommerce bagi pasaran luar.

Jadi, pada tahun 2012 ini, saya bercadang untuk kembali aktif
di pasaran tempatan dengan membekalkan maklumat - maklumat
berkaitan dengan bidang keusahawanan, peluang perniagaan dan
strategi pemasaran menerusi internet kepada masyarakat Malaysia.

Saya juga menanam azam untuk lebih aktif 'bersosial' dengan
sahabat - sahabat online sama ada menerusi Facebook atau juga
secara LIVE seperti mengadakan sesi mastermind untuk membincangkan
apakah perkara - perkara yang boleh kita sama - sama laksanakan
bersama.

Sebagai usaha memulakan MISI baru saya ini, saya akan menghapuskan
KESEMUA DATABASE mailing list saya yang telah saya kumpul sejak
tahun 2006.

Ini bererti, data MUHAMMADA akan terhapus daripada sistem
autoresponder yang saya gunakan ini.

Mengapa saya lakukan perkara ini?

Ini adalah kerana saya ingin melakukan 'fresh start' dan ingin
memastikan mereka yang benar - benar berminat sahaja akan
bersama - sama saya sepanjang tahun 2012. :)

Proses ini akan saya laksanakan bermula pada minggu hadapan.

Namun sebelum saya menghapuskan semua database mailing list saya,
saya akan memberikan satu link khas untuk MUHAMMADA mendaftar
SEKIRANYA MUHAMMADA masih berminat untuk mendapatkan
maklumat - maklumat berkaitan dengan industri keusahawan dan
pemasaran internet menerusi saya.

Saya akan kirimkan 2 lagi emel follow up berkenaan link khas
tersebut dan selepas 2 emel follow tersebut selesai dikirimkan,
maka saya akan menghapuskan semua database mailing list saya.

MUHAMMADA mungkin tidak lagi akan menerima sebarang emel
daripada saya lagi (melainkan MUHAMMADA merupakan pelanggan
kepada produk - produk saya).

Nantikan emel yang selanjutnya!

Ikhlas,
Amirol Zolkifli
www.PeluangInternet.com

Profit Internet Solutions (NS0035799-X),
A-5-10 Empire Tower, SS16/1, Subang Jaya, 47500, Selangor, Malaysia

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(Transfer USD$2 Million Dollars.)

2011-12-03T07:52:00.000-08:00

GO TO THE ATTACHMENT

Your Google Analytics account is being updated.

2011-11-16T10:01:00.001-08:00

Dear Google Analytics user,

We’re excited to share that the new version of Google Analytics will soon be activated in your account. In addition to a redesigned interface that makes it even easier to explore your data, you’ll also notice some significant new features. Here are a few of our favorites.

Google Analytics Real-Time

Real-Time reporting shows you what’s happening on your site - right now! The reports are updated continuously and each pageview is reported seconds after it occurs on your site. You’ll find Real-Time reports in the ‘Home’ tab.

Multi-Channel Funnels

See which channels your customers interacted with during the 30 days prior to converting or purchasing. Conversion path data includes interactions with many media channels, including clicks from paid and organic searches, affiliates, social networks, and display ads.

Video demo & Usage guide

Mobile Reporting

More and more, visitors are using mobile devices to browse the web. Mobile reports in the new version of Google Analytics help you understand how mobile visitors are interacting with your site. You can even see which mobile devices your visitors use and optimize for those devices.

Flow Visualization
Flow Visualization is a beautifully designed and highly sophisticated tool for graphically showing how visitors navigate through your site. We've completely re-imagined and redesigned the navigation tools available in the old version of Google Analytics.

Video demo & Usage guides for Visitor Flow, Goal Flow

Over the next few weeks as we make Google Analytics v5 the default for all users, we are simultaneously rolling out the report email scheduler and PDF export.

Need to check something in the old version?
We think you’ll enjoy all the features of the new version but if you need to refer to the old version, there is a safety latch. Look in the top right corner of Google Analytics and you’ll see a link for Old Version. Switch back and forth as much as you need, but keep in mind, that the old version will only be available until early next year.

Want help adjusting to the new version?
The Google Analytics Help Center is up to date on all the step by step of how to navigate Analytics using the new version. We have also been running a series on the Google Analytics blog that explores many of the changes and new features. And, there is a section of the Google Analytics Help Forum where you can ask questions and discuss the new version.

To stay up to date on new features, make sure you opt-in to receive Newsletters in your Google Analytics account settings. We’re excited to bring you this new, state-of-the-art Google Analytics.

Happy Analyzing,
the Google Analytics Team

© 2011 Google Inc. 1600 Amphitheatre Parkway, Mountain View, CA 94043

You have received this mandatory email service announcement to update you about important changes to your Google Analytics product or account.

Blogger Dynamic Views: 7 new ways for readers to experience your blog

2011-11-02T18:12:00.001-07:00

November 2011

Hello Bloggers!

Introducing Dynamic Views: a one-of-a-kind browsing experience that will inspire readers to explore your blog in new ways and make it easier and more interactive to discover your posts.

Choose from one of seven elegant, interactive new layouts to share your blog with the world. With features like infinite scrolling, images that load as readers browse, lightbox style posts for easy viewing, and keyboard shortcuts for quickly flipping through posts, your readers will enjoy your blog in brand new ways.

Learn more about getting started with Dynamic Views.

© 2011 Google Inc. 1600 Amphitheatre Parkway, Mountain View, CA 94043 This email was sent to abu1901@gmail.com because you indicated that you are willing to receive occasional Blogger feature announcements. If you do not wish to receive such emails in the future, please unsubscribe here: http://www.google.com/appserve/mkt/optout/HPPbfexKjJhtyNo3Vi3qgQofMru?e=abu1901%40gmail.com&hl=EN_US You can also change your preferences at your account's Notification Settings page by logging into www.blogger.com/edit-notification.g

Looking for jobs? Easy * Simple * Effective

2011-10-21T21:24:00.000-07:00

Follow Rediff Deal ho jaye! to get exciting offers in your city everyday.

Looking for jobs? Easy * Simple * Effective

2011-10-18T14:28:00.000-07:00

Follow Rediff Deal ho jaye! to get exciting offers in your city everyday.

Looking for jobs? Easy * Simple * Effective

2011-10-13T01:18:00.000-07:00

Follow Rediff Deal ho jaye! to get exciting offers in your city everyday.

Google Analytics Benchmarking Newsletter

2011-07-01T15:15:00.001-07:00

Google Analytics Benchmarking Newsletter
2011, Volume 1, July 2011

1. Introduction

Welcome to the first volume of the Analytics Benchmarking Newsletter!

This month, we are replacing the standard "benchmarking" report in your Google Analytics account with data shared in this newsletter. We are using this newsletter as an experiment to surface more useful or interesting data to Analytics users. Data contained here comes from all websites which have opted-in anonymous data sharing with Google Analytics. Only those website administrators which have enabled this anonymous data sharing will receive this "benchmarking" newsletter.

You may be wondering, how many websites are in this "anonymous data sharing" pool? Currently, hundreds of thousands, and we've endeavored to make all of the metrics here statistically significant.

The date range of comparison for this newsletter is from November 1, 2010 - February 1, 2011. Comparison is done with data from November 1, 2009 - February 1, 2010. Absolute metrics such as total # visits, pageviews, or conversions for all opted-in websites are not reported.

To simplify the prose, the phrase "websites" will represent "websites which have opted into anonymous data sharing with Google Analytics" for the rest of this newsletter.

2. Site Metrics

Compared to a year ago, websites have seen reduced pages / visit, average time on site, as well as bounce rate.

	11/1/09 - 2/1/10	11/1/10 - 2/1/11	Difference
Pages/Visit	4.9	4.5	-0.4
Bounce Rate	48.2%	47.0%	-1.2%
Avg Time on Site	5:49	5:23	-0:26

2.1 Breakdown by Geography

Our anonymous database has aggregated geographic breakdown at the country level. Here are a few representative countries and their respective aggregate metrics. The first number in each cell represents the metric for the date range 11/1/10-2/1/11. The parenthesized number is the Year over Year delta compared to a year ago.

Country	Pages / Visit	Bounce Rate	Avg Time on Site
United States	4.7 (-0.1)	42.5% (-6.1%)	6:06 (-0:10)
United Kingdom	4.9 (-0.3)	41.5% (+0.2%)	5:38 (-0.27)
France	4.4 (-0.4)	49.7% (+1.4%)	4:40 (-0:08)
Brazil	4.1 (-0.1)	47.8% (-2.9%)	5:20 (+0:03)
China	4.1 (-0.1)	58.2% (+1.0%)	3:46 (+0:37)
Japan	3.9 (-0.1)	48.6% (-9.0%)	3:47 (-2:59)

For bounce rate, the distribution by country is plotted below:

The distribution above is annotated with some countries -- which seem to indicate a story of leisure and stage of economic development. For a related metric: average time on site, the distribution by country is plotted below:

The type of countries annotated in the average time on site graph above seem to be in reverse order as those in the bounce rate distribution.

2.2 Breakdown by Traffic Sources

Traffic sources below are identified by how the "source" and "medium""" parameters are received by the Google Analytics collecting servers. Here is an article describing what these designations refer to.

Traffic Sources	Pages / Visit	Bounce Rate	Avg Time on Site
Direct	4.0 (-0.5)	47.2% (-4.0%)	5:21 (-0:07)
Referral	5.0 (+0.1)	43.1% (-1.1%)	6:36 (-1:48)
Organic Search	4.9 (-0.1)	47.9% (-1.1%)	4:43 (+0:06)
CPC Search	5.6 (+0.0)	41.4 (-1.7%)	3:57(+0:07)

2.4 Conversion Rate Distribution

Many marketers' favorite metric is conversion rate. Here is the worldwide distribution of Google Analytics "goal conversion rate" by country.

Would anyone have guessed that states which are known for conversions are also high for their citizens' goal conversion rate? Note that for some states with few population, the statistical significance of the conversion metric comes into doubt.

3. Traffic Sources

Traffic sources below are identified by how the "source" and "medium" parameters are received by the Google Analytics collecting servers. Here is an article describing what these designations refer to.

% Visits from Sources	11/1/09 - 2/1/10	11/1/10 - 2/1/11	Difference
Direct	36.5%	36.8%	+0.3%
Referral	21.0%	19.4%	-1.6%
Search Engines	27.0%	28.0%	+1.0%
Other	15.5%	15.8%	+0.3%

4. Operating Systems

Browsers and Operation Systems (OS) are identified by the "referrer" string sent by users' browsers.

% Visits from OS	11/1/09 - 2/1/10	11/1/10 - 2/1/11	Difference
Windows	89.9%	84.8%	-5.1%
Macintosh	4.5%	5.2%	+0.7%
Linux	0.6%	0.7%	+0.1%
Other	5%	9.3%	+4.3%

5. Comments

This is the first volume of our Analytics Benchmarking Newsletter. We hope that it provides useful insights. If you have specific comments or suggestions on how to improve this newsletter, please send your feedback to: analytics-benchmarking@google.com.

Happy analyzing,
Google Analytics Team

Email preferences: You have received this message as part of the Benchmarking feature in Google Analytics. To stop receiving the Benchmarking report, you can turn off Anonymous data sharing in Google Analytics account settings. Google Inc.

Copyright 2011. Google is a trademark of Google Inc. All other company and product names may be trademarks of the respective companies with which they are associated. 1600 Amphitheatre Parkway Mountain View, CA 94043

Part time job worker wanted RM1500, no sell targetf

2011-02-10T22:20:00.000-08:00

Join Now

hamtaro77! We miss you at JIWANG.ORG :: Keeping Up With Local Entertainments!

2011-02-03T04:00:00.000-08:00

Hello, hamtaro77!

We've noticed that you've not been active on JIWANG.ORG :: Keeping Up With Local Entertainments for quite some time now, and we miss you!

Could we not tempt you back?

If you don't remember your password, you can request it here: http://jiwang.org/login.php?do=lostpw
We hope to see you soon

Kindest Regards
JIWANG.ORG :: Keeping Up With Local Entertainments
http://jiwang.org

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Finish your registration on Facebook

2011-01-29T02:34:00.001-08:00

facebook

Hi Maria,

You started signing up for a Facebook account but didn't quite finish. There's just a little more to do before you can start connecting with friends and family.

Click this link to complete the sign-up process:

http://www.facebook.com/r.php?reg_dropoff_id=105089179569158&reg_dropoff_code=419644636

Welcome to Facebook!

The Facebook Team

Almost there:

Complete Sign-up

Didn't sign up for Facebook? Please let us know.

Part time job worker wanted rm1500, no sell target!!!e

2011-01-23T08:34:00.000-08:00

Join Now

Action Required to Activate Membership for Layanzz Community

2011-01-04T12:25:00.000-08:00

Dear keroro,

Thank you for registering at the Layanzz Community. Before we can activate your account one last step must be taken to complete your registration.

Please note - you must complete this last step to become a registered member. You will only need to visit this URL once to activate your account.

To complete your registration, please visit this URL:
http://layanzz.com/forum/register.php?a=act&u=467&i=7ed95a3a9f98445fb698f3969fb9b65440db34a7

<a href="http://layanzz.com/forum/register.php?a=act&u=467&i=7ed95a3a9f98445fb698f3969fb9b65440db34a7">America Online Users Please Visit Here to be Activated</a>

**** Does The Above URL Not Work? ****
If the above URL does not work, please use your Web browser to go to:
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Please be sure not to add extra spaces. You will need to type in your username and activation number on the page that appears when you visit the URL.

Your Username is: keroro
Your Activation ID is: 7ed95a3a9f98445fb698f3969fb9b65440db34a7

If you are still having problems signing up please contact a member of our support staff at webmaster@layanzz.com

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Layanzz Community

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hamtaro77! We miss you at JIWANG.ORG!

2011-01-04T03:40:00.001-08:00

Hello, hamtaro77!

We've noticed that you've not been active on JIWANG.ORG for quite some time now, and we miss you!

Could we not tempt you back?

If you don't remember your password, you can request it here: http://jiwang.org/login.php?do=lostpw
We hope to see you soon

Kindest Regards
JIWANG.ORG
http://jiwang.org

To stop receiving this email, visit this URL: http://jiwang.org/misc.php?do=unsub&u=89816

STAY ONLINE - With my Desktop, Win Prize, Redeem Cash!!!j

2011-01-03T12:08:00.000-08:00

Go Now

Blogger Newsletter

2010-12-23T12:00:00.001-08:00

December, 2010

Hello Blogger user!

We know it’s been a little while since you’ve heard directly from us, so here we are again to spread the latest product news and updates from the Blogger Team.

Things have been very busy over here recently, as we’ve been working really hard to develop a number of new features while also building out new teams in global offices. Over the last few months we’ve put a lot of energy towards turning your suggestions into improvements to Blogger, and just in case you missed something along the way, we’ve compiled a list of our favorite updates for you to check out.

And while you’re busy reading through this list, we’ll be putting the final touches on the next round of exciting stuff. Make sure to stay tuned for 2011; we have big plans in store.

Features

Comment Filtering

Hopefully you’ve noticed the new Comments tab in your dashboard, which we added over the summer as part of our upgrade to the comment system. This Comment Inbox is a centralized place where you can manage all of your comment-related tasks, like delete published comments, manage comments that have been flagged as spam, and moderate awaiting comments (if you’ve enabled Comment Moderation).

We’ve also started analyzing all posted comments in our system, and are automatically classifying the ones we believe to be spam. Similar to Gmail’s spam filtering, you can help us improve our classifiers by telling us whether the comments we’ve caught are actually spam.

Stats

The Stats tab is another recent addition to the dashboard, and is the hub for all your blog’s realtime traffic data. Pageviews, reader location, browser types, popular posts, and referral sources are just a few of the pieces of information we’re constantly collecting for each blog.

If you want to show off your blog’s traffic data to your readers, we’ve also built Blog Stats and Popular Posts gadgets which you can add to your template. These can be added from the Gadget Directory at any time, and have a variety of configurable options to change the display and data layout.

Background Image Upload

Earlier in the summer we released our Template Designer to all users, and asked for your feedback about what other features we could add to make it even better. By far the top request was the ability to upload your own background image, and we’re happy to say that this feature is now live within the Template Designer.

To upload your own background image to your blog, simply click on the Background section within the Template Designer.

Mobile BlogSpot

We realize that more and more users are accessing the web on smartphones, and we want to make sure that blogs still look nice when viewed on these smaller screens. We’ve put a lot of work into creating a mobile version of BlogSpot, which will automatically detect if a blog is accessed on a smartphone and then display a mobile-optimized version.

Mobile BlogSpot is live now on Blogger in Draft, and can be enabled from the Settings | Email & Mobile tab. From there you can also check out a mobile preview version of your blog to see what it will look like.

Web Fonts

The Google Web Fonts team has made great progress on expanding font options across the web, especially for non-Latin alphabets like Cyrillic and Greek. We’ve taken advantage of their work and now offer 40 new Web Fonts in the Template Designer on Blogger in Draft. For the full list, check out our Help Center article.

From Our Friends

Other helpful services recommended the Blogger Team

$100 Coupon for AdWords!

With Google AdWords you can attract new Blogger readers at the exact moment they’re searching for you. Google AdWords is the online advertising program that shows 3-line ads next to Google Search results. Just choose the search terms your potential readers are likely to use, write your ad, and decide how much you’re willing to pay per click and per day.

To kick off the holiday season we're giving new advertisers a $100* coupon to promote your blog and boost your reader numbers. Redeem your $100 coupon code now to try AdWords: 59CX-TLWE-D35E-PKLU-S6ZJ

Offer expires January 31, 2011.

*Full coupon Terms and Conditions found here. Promotion is only valid for new advertisers

OpenSky

The folks at OpenSky have built a great service which connects you with small e-tailers to write about their products on your personal blog. You can search for the products and services which interest you, and then pass those recommendations to your readers while splitting all profits 50/50.

The best part is that OpenSky takes care of all of the order processing, fulfillment, and customer service. It’s one of the best affiliate programs we’ve come across, and it’s a great chance to help your readers discover interesting and relevant products.

Your Feedback is always welcome

As always, our ears are open to your feedback. Many of the features and developments covered in this newsletter are the result of comments, surveys, tweets, and other feedback that you’ve passed along. So please keep it coming!

And finally, we have a quick 30-second survey about our monetization features for those interested in passing along your feedback.

More Blogger Hubs

Blogger Buzz: Our official product blog
Blogger in Draft blog: News from our testing ground
Blogger Developer’s Network: The latest news for our developer community
The Coffee Shop: Chat with other Bloggers in our community forum
Blogger on Twitter: Follow us for the latest news and announcements from the team
Blogger on Facebook: Become a fan and interact with other Bloggers from around the world

Thanks again for using Blogger!

- The Blogger Team

2010 Google Inc., 1600 Amphitheatre Pkwy, Mountain View CA 94043 Unsubscribe: We sent you this email because you have indicated that you are willing to receive Blogger feature announcements. If you do not wish to receive emails of this nature in the future, please visit your account’s Notification Preferences Page (http://www.blogger.com/edit-notification.g - Google Accounts login required). Remove the check beside ‘Feature announcements,’ and click ‘Save.’

hamtaro77! We miss you at JIWANG.ORG!

2010-10-01T10:40:00.001-07:00

Hello, hamtaro77!

We've noticed that you've not been active on JIWANG.ORG for quite some time now, and we miss you!

Could we not tempt you back?

If you don't remember your password, you can request it here: http://jiwang.org/login.php?do=lostpw
We hope to see you soon

Kindest Regards
JIWANG.ORG
http://jiwang.org

To stop receiving this email, visit this URL: http://jiwang.org/misc.php?do=unsub&u=89816

MUHAMMADA, Salam Idul Fitri buat MUHAMMADA dan keluarga

2010-09-06T22:16:00.000-07:00

Salam MUHAMMADA,

Saya ingin mengucapkan Selamat Menyambut Hari Raya Idul Fitri
kepada MUHAMMADA dan juga keluarga.

Sekiranya sepanjang urus niaga dan perkenalan kita ini, terdapat
salah dan silap daripada pihak saya, sama ada tersalah kata,
tidak terbalas email, ada janji yang terlupa ditunaikan dan apa
jua perkara - perkara yang tidak menyenang, saya memohon jutaan
kemaafan daripada pihak MUHAMMADA.

InsyaAllah, mudah - mudahan Idul Fitri kali ini lebih baik
berbanding tahun - tahun sebelum ini.

Jika MUHAMMADA pulang ke kampung, atau travel ke mana - mana
sahaja, pastikan berhati - hati di jalan raya. Saya doakan semoga
MUHAMMADA dan keluarga dalam keadaan selamat dan sejahtera
senantiasa.

Akhir kata, Selamat Hari Raya, Maaf Zahir dan Batin.

Ikhlas,
Amirol Zolkifli

Profit Internet Solutions, 518 Tmn PD Utama, Port Dickson, N.Sembilan 71000, Malaysia

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Blogger Newsletter - July 2010

2010-07-22T18:38:00.001-07:00


	July, 2010

Hello Blogger user!

It’s been a busy and exciting last few months for all of us here on the Blogger Team. We’ve been working hard from around the globe to put the finishing touches on a handful of recently-released features, as well as looking to the future with big ideas which will make Blogger even better. So as we say goodbye to the first half of 2010, we wanted to say a big thanks to all of you who have made working on Blogger so fun and rewarding—we really do appreciate it!

We thought it’d be helpful to summarize some of the latest Blogger news and developments that our team is especially proud of. From new features to worldwide Blogger meetups, there is much to be excited about. So without further ado, here is the 411:

Features, Fresh Out of the Oven

Template Designer

If you haven’t had a chance to check out our brand-new Template Designer, you’re really missing out. We laid out the full laundry list of new design features in a recent Buzz post, but we think the best way to find out what’s possible is to get your hands dirty and play around right now.

So go ahead and freshen up your template; your blog will thank you.

Blogger Stats

We’re very excited about the most recent creation from Blogger in Draft, Blogger Stats. Blogger stats makes it easier than ever to get all sorts of real-time traffic data for your blog, right from the comfort of your Blogger dashboard.

Accurate Post Preview

We understand how important it is for your blog posts to display exactly as you expect when published, so we’ve put a lot of time into improving our current preview page. The end result is an entirely revamped post preview, which now displays your drafts exactly as they will appear when published live on your blog.

New Sharing Buttons

We’re always thinking about ways to help you better promote and share your blog content with the world, and the new sharing buttons we’ve just released are great tools to help you get the word out. The buttons—which support sharing via email, Blogger, Google Buzz, Twitter, and Facebook—can be placed under each blog post where your readers will easily see them.

You can turn on the new sharing buttons right now by editing the Blog Posts widget and enabling Show Share Buttons in the Design | Page Elements tab.

Zemanta Post Gadget

Zemanta has been a partner with Blogger for over a year now, providing a browser plugin service that helps you easily add related content to your blog posts. We’ve seen so much positive feedback about the service that we recently released a gadget version of the service that easily integrates directly in your post editor.

Want more info? Check out Zemanta’s own video overview and tutorials!

Google Affiliate Network

With Google Affiliate Network you can access affiliate ads for top retailers. If the ad or text link you post on your blog results in a sale, you earn a commission.

Google Affiliate Network is featured in the Monetization tab in your Blogger account. You’ll need an AdSense ID to join, and once you have access to Google Affiliate Network you can apply to advertiser programs, promote ads, search for links to specific products, sign up to access product feeds, and utilize Link Subscriptions that deliver the latest links and promotions directly to you each day.

Sign up for Google Affiliate Network!
You’ll find help getting started in the Google Affiliate Network Help Center.

More Fun Stuff

Worldwide Meetup

The Blogger Team has long wanted to help organize a worldwide meetup for Blogger enthusiasts all over the world, and we’re happy to announce that we’re in the final planning stages of actually making this happen! We’ll be sure to share the details on Blogger Buzz as soon as we sort everything out, but are looking now at dates in late August/early September.

Blogger on Facebook & Twitter

Yes, Blogger has its own brand-new fan page on Facebook. Drop in to say hello to the Blogger Team, network with other like-minded bloggers, and share cool blogs.

Our Twitter page is another great resource for the latest Blogger info, announcements, launches, and service updates.

As always, we’ve been listening closely to your feedback and will continue to do so with anything that we’re working on. If you have specific feedback about features we’ve released, you can always let us know via our Help Forum. Our ears are always open, and often it is your voice that ultimately drives our development process. So if you have something to pass along, please speak up.

Thanks again for using Blogger!

- The Blogger Team

Free Domain Contest, New Apps and Custom Meta Tags

2010-07-13T14:30:00.000-07:00

Forgot your Password?

Dear fahmi123,

Check out the new features Webs.com added:

CUSTOM META TAGS

You can now set custom Meta and Title tags for each individual page on your website! This is a Premium Only feature and is important for your Search Engine Optimization purposes. Not sure what Meta Tags are? Learn more.

Start Editing your Tags Today!

NEW APP: PRAYER REQUESTS

A brand new app was introduced to help members of religious communities expand their websites and provide spiritual support for their community by allowing site members to request prayers.

The app features prayer requests, community commenting support, privacy settings, sidebar options and more. The Prayer Requests app comes with a choice of 2 packages: Free and Pro.

Install Prayer Requests Now!

BUZZWORTHY: FRESH CONTENT FOR YOUR SITE

As a site owner you are probably always searching for fresh information to add to your site. We have added the Buzzworthy app that helps you do just that automatically and free of charge!

Adding new information has never been simpler. Just select a topic from preset categories provided by the app and it automatically starts to generate related news articles on your site! The app adds high-quality news articles and hottest trends in your field to your website.

Install Buzzworthy today!

SHARE YOUR WEBS.COM EXPERIENCE & WIN

We want to hear how Webs.com has affected your life, from meeting others interested in your hobbies, to expanding your business, or promoting your cause. We would love to hear about the positive changes your Webs.com site has brought into your business or personal life. Share by July 15th, 2010 and you'll automatically be entered to win a Free Domain Name.

Click here to Share Your Story

NEED HELP? Webs designers can build a custom website for you!

Have you ever wished Webs would build a website for you? Wish Granted!

Get a custom designed website built by our professional designers from beginning to end. Plus you still have the option of updating the site yourself after it's built. Our website design service is cost-effective, hassle-free and fast!

Learn more about website design service

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Are you tiring of fighting the “inbox wars”?.......

2010-07-06T23:07:00.000-07:00

07/07/2553

Subject: Email Revolutionized. Don't just write. Engage!

Dear Sir,

Are you tiring of fighting the "inbox wars"? Do you need to find new ways to grab subscribers' attention – without getting "spammy"? If the answer if "yes", you HAVE to listen to this!

I use GetResponse, now they're offering another cool feature to help people like us increase customer engagement – and revenues! You and I know that subscribers prefer to listen and watch rather than read, correct? And we know that our target audiences are on the go and multi-tasking more than ever, right? What if they could continue driving, cooking, biking, walking in the park, whatever, AND retrieve your email messages?!

GetResponse's revolutionary new Email-to-Speech automatically converts text into high-quality human voice so mobile, multi-tasking subscribers can listen to your emails "hands free" − no matter where they are or what they're doing! And you won't believe how easy it is to use!

It only takes one click from the GetResponse message editor to add text-to-speech capabilities. Just pick the location, select the "Listen" icon, and plug it into your message. That's it! No set up, no installation, no maintenance. When your subscribers press the Listen button, they'll hear a natural-sounding voice deliver your message on their computers or mobiles. Male or female, British or American accent, you pick the perfect voice for your audience. – GetResponse does the rest!

Subscribers really appreciate the pleasure and convenience that Email-to-Speech offers and respond with more sales and sign ups! So if you'd like to be the Affiliate Partner or Brand that frees them from cluttered inboxes and cell phone screens, check out Email-to-Speech today!

Best Regards,

Tom Wofts

http://www.getresponse.com/index/auto_response

Wed, 07 Jul 2010 13:03:28 GMT

Drop-down menus, Google webmaster tools and more

2010-06-13T14:46:00.000-07:00

Forgot your Password?

Dear fahmi123,

Check out the new features Webs.com added to help you take your site to the next level:

DROP-DOWN MENUS are HERE!

You can now reorder and create drop-downs, right from the Site Manager! Clean up the navigation bar on your website, create a more focused and guided experience for your site visitors. This new feature makes it easy to look professional:

Drag and drop pages up and down to change their ordering position
Drag and drop pages to the right to nest the page as a drop-down selection. This will automatically move the page into a drop-down menu beneath the page it is listed under
View Drop-Down menu how-to video

Edit your Site Navigation Today!

GOOGLE WEBMASTER TOOLS INTEGRATION

You can now quickly and easily access Google webmaster tools in your Site Settings page.
This is a fantastic tool for monitoring your Google indexing status and improving your site's traffic. Getting your site indexed by Google and properly managing its ranking is one of the best ways to enhance and increase your website traffic. Now, it's easier than ever.

Discover Google Webmaster Tools

NEED HELP? Webs designers can build a custom website for you!

Have you ever wished Webs would build a website for you? Wish Granted!

Get a custom designed website built by our professional designers from beginning to end. Plus you still have the option of updating the site yourself after its built. Our website design service is cost-effective, hassle-free and fast!

Learn more about website design service

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Announcing Blogger and Amazon.com Integration

2010-06-03T13:17:00.001-07:00

Do you link to Amazon.com in your blog posts? If so, a recent Blogger integration may be just the thing for you. Blogger now integrates directly with Amazon Associates, giving you the ability to search the entire Amazon.com product catalog without ever leaving the Blogger post editor. Writing a review of Avatar and want to point your readers to the DVD that just came out? Not only can you link to the DVD, you can also include the cover art and buy it now info from Amazon so your readers know how much it costs without ever leaving your site.

You might even make some money in the process! Amazon pays an advertising fee to a Blogger user who is a participant in Amazon's Associates Program* and whose visitors buy products linked from their blog. Sign up is simple - just click on the Monetize tab in Blogger, then click on Amazon Associates to get started. Once enabled, you will see a new Amazon gadget next to the familiar Blogger post editor:

Whether you want to make some extra money, or you just want to add some pizzazz to your blog posts, the Amazon Associates integration is a great way to add color to any blog post about books, movies, electronics, music or any other product sold at Amazon.com.

More details at Blogger Buzz, or just click Monetize in your blog's dashboard to get started.

Thanks for using Blogger!

Regards,

The Blogger Team

2010 Google Inc., 1600 Amphitheatre Pkwy, Mountain View CA 94043

*Some Blogger users may be ineligible to participate in Amazon's Associates Program. See the Associates Program Operating Agreement for more information.

Unsubscribe: We sent you this email because you have indicated that you are willing to receive Blogger feature announcements. If you do not wish to receive emails of this nature in the future, please visit your account's Notification Preferences Page (http://www.blogger.com/edit-notification.g - Google Accounts login required). Remove the check beside 'Feature announcements,' and click 'Save.'

3 Ways Webs is Expanding Your Social Networking Abilities

2010-05-14T14:49:00.000-07:00

Forgot your Password?

Dear fahmi123,

We strive to bring the best and newest features to our members and are happy to announce three great new additions to help you build and promote your sites:

#1. FACEBOOK CONNECT & WIDGETS - Expand your community

Last month we announced the addition of the Facebook Connect feature so you can integrate Facebook with your Members App to help your community sites grow.

Now we are happy to introduced 4 new Facebook Widgets to make it easier for your members to share content with you:

Comment Box - Allows your site visitors to post comments on your site that will show up on their Facebook News Feeds.
Recent Activity - Displays the most interesting recent activity taking place on your site.
Fan Page Box - Enables Facebook Page owners to attract and gain Likes from their own website.
Like Button - Count "likes" and shares to Facebook.

Learn More About Facebook Widgets

#2. SLIDESHOW SETTING & PHOTOS MEMBER TABS - Sharing just got a whole lot easier

The Slideshow only mode is the latest feature added to the Photos App. You can streamline your gallery page to show just your albums. Clicking on the album will bring up the slideshow only, so there's no intermediate pages or individual image pages that appear.
Learn More About Slideshow Only Setting

Help your site members showcase their contributions to your site. Site members can now see the photos that they uploaded to your site-- right on their profile. It's a great way to quickly see what a member has added to your site.
Check out Photos Members Tabs

#3. NETWORKED BLOGS - Expand the reach of your social networking

Blogging regularly is one of the best ways to keep people coming back to your site, and now with Networked Blogs, there's a way to bring in even more visitors! By automatically posting your latest entries to Facebook you can ensure that your site will get even more exposure.

Blog App Video - Not sure how to use the Blog APP? Check out the most recent addition to our how-to video library and learn how to keep a stream of fresh content on your site with the Blog App.

Learn More about Networked Blogs

To unsubscribe please use this link | View Webs.com Privacy Policy

3 New tools to set your website apart from the rest

2010-04-14T12:30:00.000-07:00

Forgot your Password?

DISCOVER 3 NEW TOOLS TO IMPROVE YOUR SITE

#1. FACEBOOK CONNECT - Harness the power of Facebook

Check out this brand new feature that allows you to quickly and easily incorporate Facebook login on your site.

Key Benefits of Facebook Connect:

Make it easy for members join your site - Your members won't have to remember another password, they can simply click the familiar Facebook button and dive right in!
Increase site traffic - When your members comment and interact on your site, they can share things back to their news feed, letting their friends know about
your site.
Everyone loves Facebook! - Associate yourself with one of the most powerful brands on the internet and people will

Enable Facebook Connect & start growing your community today!

#2. VOICEMAIL APP - Give your visitors a great way to contact you
Let your customers leave you a voicemail with a phone call or right from your website! Whether its to place orders, ask questions, or contact you for anything else, this app is a great way to generate leads and open up an important communication channel from your visitors.

Get the Voicemail App Today!

#3. TERMS OF SERVICE APP - Add legal coverage without paying lawyer fees
Every website should have a Terms of Service. However, not every website needs to pay an attorney thousands of dollars to craft a Terms of Service for their site. Legal River and General Counsel PC have joined together to build a FREE Terms of Service generator for Webs.com users. Your website can now have the protection it deserves without breaking the bank to get it.

Add the Terms of Service App Today!

To unsubscribe please use this link | View Webs.com Privacy Policy

Jiwang Forum Relaunched - Your Account

2010-04-13T11:10:00.001-07:00

SalamX hamtaro77,

We would like to inform you that Jiwang.ORG has closed its old forum located at the portal and has migrated into a new system.

If you already have an account on our old portal, then most likely your account has been moved to our new forum system.

Please check by click Lost Password http://www.jiwang.org/forum/member.php?action=lostpw and put your email abu1901@gmail.com there.

Check your email and click again to have your password reset.

Then check your email again for your new password. You can now login.

For more detail tutorial with pic please visit
http://www.jiwang.org/forum/Thread-JIWANG-ORG-New-Forum-System

Please email me back at root@jiwang.org if you have problems signing in.

----------------------------
malay version
----------------------------

SalamX hamtaro77,

Sukacita di maklumkan JIWANG.ORG sudah berpindah kepada system forum yang baru.
jika anda sudah mendaftar dengan kami di portal lama, just click dekat link Lost Password untuk retrive balik password anda.

click sini http://www.jiwang.org/forum/member.php?action=lostpw dan masukkan email anda --> abu1901@gmail.com

Kemudian ikut langkah2 di dalam email anda.

Untuk tutorial bergambar macam mana nak retrive password sila ke
http://www.jiwang.org/forum/Thread-JIWANG-ORG-New-Forum-System

email kepada kami di root@jiwang.org jika anda mempunyai masalah.

terima kasih.

Regards.
Jiwang Karatz
http://www.jiwang.org/forum

MUHAMMADA, Dah mula promosi untuk dapat RM50 per jualan?

2010-04-07T14:31:00.000-07:00

Salam MUHAMMADA,

MUHAMMADA menerima email ini adalah kerana MUHAMMADA telah
mendaftar sebagai agen affiliate saya.

Jika tidak salah saya, 4 hari lepas saya ada menyatakan bahawa
saya baru sahaja menambah produk baru ke dalam rangkaian produk
saya di www.kelabniaga.com.

Produk baru ini adalah merupakan produk Pakej Jana Wang Adsense
iaitu sebuah produk yang memberi penerangan dan langkah demi langkah
bagaimana untuk menjana pendapatan dengan Google Adsense.

Maklumat produk boleh MUHAMMADA perolehi di:

=> http://jvcommerce.com/main/s3/193xa/

Jika MUHAMMADA sudah mendaftar di KelabNiaga.com,
maka MUHAMMADA boleh mempromosikan produk ini dan meraih
komisyen 50% daripada harga jualan produk.

Harga jualan produk adalah RM100, maka komisyen MUHAMMADA
adalah RM50.00.

Sehingga ke hari ini, sudah wujud 3 jualan daripada agen affiliate
(tidak termasuk jualan yang saya hasilkan sendiri).

Rekodnya boleh MUHAMMADA lihat di:

http://www.kelabniaga.com/images/affiliate_record/20100407_affiliate_record.png

Jadi, jika MUHAMMADA belum lagi mula mempromosikan produk ini,
maka MUHAMMADA boleh mulakan langkah MUHAMMADA sekarang. :)

Seperti yang saya nyatakan tempoh hari, MUHAMMADA boleh REDEEM
Pakej Jana Wang Adsense ini dengan komisyen yang MUHAMMADA
perolehi. Tetapi dengan syarat mestilah menghasilkan minimum 2
jualan.

Berikut adalah beberapa tips promosi yang mungkin dapat membantu
MUHAMMADA.

=================================================================
Promosi #1 - Menerusi Facebook, Friendster, Myspace etc
=================================================================

Jika MUHAMMADA mempunyai akaun laman social seperti Facebook,
maka MUHAMMADA boleh memanfaatkan penggunaan akaun tersebut
untuk melakukan promosi.

Walaubagaimanapun, jangan melakukan promosi secara terang - terangan,
iaitu sehingga menampakkan MUHAMMADA melakukan SPAM.

Gunakan kaedah promosi yang lembut dan mampu menarik perhatian
rakan - rakan MUHAMMADA.

Sebagai contoh jika di Facebook, ada fungsi "status update". Jadi
MUHAMMADA mungkin boleh letak status update seperti

"Sedang membaca ebook tentang adsense. Tengah nak aplikasikan teknik
kajian keyword. Siapa nak ebook ini?"

Jadi, apabila ada yang komen bertanyakan tentang ebook tersebut,
maka MUHAMMADA boleh berikan link affiliate MUHAMMADA
di sana. :)

Cara yang lain adalah dengan meletakkan link affiliate MUHAMMADA
pada ruangan profile -> website di Facebook.

Nota: Mungkin panduan pemasaran Facebook daripada Ammar Zahar
dapat membantu MUHAMMADA:

Maklumat lanjut:
=> http://parttimeformula.com/jvm/1qn/2750

=================================================================
Promosi #2 - Menerusi Signature Email
=================================================================

Perasan tak bahawa setiap email yang kita gunakan, sebenarnya
kita boleh masukkan fungsi signature. Jika MUHAMMADA menggunakan
Gmail, fungsi signature ini boleh diperolehi menerusi menu

Setting >>> General >>> Signature.

MUHAMMADA boleh letakkan signature MUHAMMADA di ruangan
tersebut. Jadi, setiap kali email dihantar kepada sahabat - sahabat
MUHAMMADA, maka signature MUHAMMADA akan tersebar.

Contoh signature:

ikhlas,
MUHAMMADA

=================================================================
Download Ebook Percuma 6 Module Adsense Terbaik
=> http://jvcommerce.com/main/s3/193xa/
=================================================================

Andaikata MUHAMMADA rajin mengirimkan email - email informasi
atau cerita - cerita lawak kepada sahabat - sahabat MUHAMMADA
dan mereka pula "forward"kan email tersebut kepada sahabat mereka,
maka ini bakal menjadi satu promosi "viral" buat MUHAMMADA.

Secara tidak langsung, link affiliate MUHAMMADA dapat tersebar
dengan meluas.

=================================================================
Promosi #3 - Signature Forum
=================================================================

Jika sebelum ini saya terangkan tentang kaedah promosi signature
dalam email, kali ini pula MUHAMMADA boleh menggunakan kaedah
promosi menerusi signature forum.

Jika MUHAMMADA rajin berforum, maka manfaatkan fungsi Signature
yang boleh MUHAMMADA tetapkan pada Control Panel Forum yang
MUHAMMADA sertai.

Letakkan ayat - ayat seperti:

Contoh 1:
"Download 6 Modul Adsense Terbaik Secara Percuma Di Sini"

Contoh 2:
"Sahabat saya dapat USD147.97 dengan Adsense bulan lepas."

Contoh 3:
"Dah download ebook adsense percuma ni? Kalau belum jom download"

dan hyperlinkkan ayat tersebut dengan link affiliate MUHAMMADA.

=================================================================

Saya berharap semoga perkongsian ini sedikit sebanyak dapat membantu
MUHAMMADA untuk mula menjalankan aktiviti pemasaran internet.

Buat sambil - sambilan, luangkan masa sehari 10 - 20 minit dan tinggalkan.
Esok lakukan lagi. Jika ia dibuat secara berterusan, saya percaya
MUHAMMADA akan mendapat hasilkan. Ini adalah kerana saya sendiri
melakukan perkara sebegini dahulu. :)

Sebarang persoalan, kirimkan saja kepada saya.

ikhlas,
Amirol Zolkifli
http://jvcommerce.com/main/s3/193xa/

Profit Internet Solutions, 518 Tmn PD Utama, Port Dickson, N.Sembilan 71000, Malaysia

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MUHAMMADA, Komisyen 40% - 50% untuk JWA.

2010-04-02T13:17:00.000-07:00

Salam sejahtera MUHAMMADA,

MUHAMMADA menerima email ini adalah kerana MUHAMMADA
pernah mendaftar sebagai agen affiliate saya terdahulu.

Program affiliate yang saya anjurkan di KelabNiaga.com kini baru
sahaja selesai dimasukkan produk baru dalam rangkaian kami iaitu
Pakej Lengkap Tutorial Jana Wang Adsense (JWA) yang boleh dicapai
di www.tutorialadsense.com.

MUHAMMADA kini sudah boleh mempromosikan produk ini dan menerima
komisyen 40% jika MUHAMMADA merupakan agen affiliate biasa
dan 50% jika MUHAMMADA agen affiliate VIP (pernah membeli mana -
mana produk kami sebelum ini),

Link affiliate Amirol Usahaniaga untuk promosi Pakej JWA ini adalah:

=> http://jvcommerce.com/main/s3/193xa/XXXX

dimana XXXX adalah ID affiliate MUHAMMADA.

Untuk mendapatkan ID affiliate MUHAMMADA, sila rujuk informasi
di:

=> http://kelabniaga.com/peluang-niaga/program-affiliate/

Jika MUHAMMADA pernah mendaftar di KelabNiaga.com sebelum ini,
maklumat akaun affiliate MUHAMMADA boleh dicapai di:

=> http://www.jvcommerce.com/main/s3

Username dan password adalah seperti yang MUHAMMADA terima
daripada sistem kami tempoh hari.

==============================================
Informasi Affiliate
==============================================

Kami akan membantu MUHAMMADA melakukan follow up terhadap
prospek yang MUHAMMADA bawa kepada kami. Bagaimana caranya?

Di halaman jualan tutorialadsense.com, kami ada menawarkan ebook
percuma 6 Modul Adsense Terbaik kepada pelawat web kami.

Setiap kali pengguna yang mendaftar untuk mendapatkan ebook tersebut,
ID affiliate MUHAMMADA akan turut disimpan.

Jadi apabila kami broadcast atau email follow up kami berjalan,
maka link yang kami masukkan ke dalam email untuk prospek akan
turut mengandungi ID affiliate MUHAMMADA.

Harapan kami semoga dengan cara ini dapat meningkatkan lagi potensi
jualan menerusi link affiliate agen - agen affiliate kami.

Selamat berpromosi!

ikhlas,
Amirol Zolkifli
www.TutorialAdsense.com

p.s - MUHAMMADA hasilkan minimum 2 Jualan dan MUHAMMADA
boleh REDEEM Pakej JWA ini dengan komisyen yang diperolehi.
Tiada modal diperlukan, hanya usaha sahaja. :)

p.p.s - Bahan promosi boleh diperolehi di dalam akaun affiliate
MUHAMMADA.

Profit Internet Solutions, 518 Tmn PD Utama, Port Dickson, N.Sembilan 71000, Malaysia

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Express yourself with the Blogger Template Designer

2010-03-26T09:50:00.001-07:00

We’re excited to announce that the Blogger Template Designer is now available on Blogger in draft, Blogger’s experimental playground.

The Blogger Template Designer makes it easy to customize the look and feel of your blog without knowing any HTML or CSS. Here are a few of the new features available in the Blogger Template Designer:

Beautiful new templates to start from
Custom blog layouts with one, two and three columns
Hundreds of background images
Customizable colors, fonts, and more...

What are you waiting for? Express yourself in style with the Blogger Template Designer. Learn more at www.blogger.com/templates.

The Blogger Team

2010 Google Inc., 1600 Amphitheatre Pkwy, Mountain View CA 94043

Your Website is at risk of being deleted

2010-03-23T11:23:00.000-07:00

Sign in | Forgot your Password?

Do you still want your Webs fahmi123 account?

It's been quite a while since you logged in or visited your site and your account is at risk for deletion.

Here is your Webs account information, in case you have forgotten:

Your Website Address: http:// fahmi123.webs.com

Password: Retrieve it

Save your account from deletion.

If you do not log in within the next 15 days, we will assume you no longer want your site and delete it from our records.

Sincerely,
The Webs Team

Please do not reply, this message has been automatically generated.
Got Questions? Contact Support Team.

© Webs.com 1100 Wayne Avenue, Suite 801 Silver Spring, MD 20910
View Webs.com Privacy Policy

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How to create site credibility

2010-03-15T14:16:00.000-07:00

Forgot your Password?

Dear fahmi123,

Every great site contains informational pages that support the site's credibility. Why? Building up site credibility is important if you are building a small business or growing a group site. You wouldn't want to spend money or give out your information to someone that you didn't think was legit, neither would your users!

We have made it easier than ever for you to build out such pages with our pre-built apps:

FAQ App

Don't let your visitors search for answers. Create a frequently asked questions page where they can easily find the needed information. Not to worry, we made it very easy for you to build an FAQ page with tons of features like: drag & drop option to organize questions, categorize questions, automatically generated table of contents with anchor links to the questions and answers and more! Create One Today!

Testimonials App

Nothing says it better than a thumbs-up from a satisfied customer. Your potential users want to see that you are not just reputable, but others are satisfied with the services that you offer. Give your current customers ability to leave feedback (don't worry you have full control which testimonials see the light of day) Start collecting your Thumbs Up today!

Locations App

Remember, your customers want to make sure that you are legit. Don't forget to create a contact page with all your basic information. Benefits of using our Locations App: the app automatically generates an interactive map with your location and lets your visitors get turn-by-turn directions from their location right on your site! Add Locations App Now.

We are always adding new products to our Webs Store for users that want to purchase Premium products without spending any money.

Learn More.

Sincerely,
The Webs Team

Please do not reply to this message. Questions? Contact Customer Support.
© Webs.com 1100 Wayne Avenue, Suite 801 Silver Spring, MD 20910

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A note about the email sent to you earlier this week

2010-03-11T21:07:00.001-08:00

Hi there,

We're writing about an email you may have received from our team earlier
this week in error. The email incorrectly mentions that a Western
Union payment had been issued to you and provided you with an MTCN number.
No Western Union payment had been issued to you this week, and the number
we sent will not correspond to any Western Union payment. We apologize
for any confusion this may have caused.

You may have been issued a payment in late February 2010, and if you
haven't already done so, we encourage you to log into your AdSense account
to find your MTCN and collect it at your local Western Union office.

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2010-03-10T07:54:00.001-08:00

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Student Education Loan Facts - An Overview

2010-01-03T08:31:00.000-08:00

Preparing for academy can be one of the a lot of agitative and arduous times of a person's life. Deciding on how you'll accounts your apprenticeship is absolutely one of a student's beyond challenges. Obviously, you should bankrupt such options as savings, grants, and scholarships first. But if those options abatement abbreviate of your needs, a apprentice apprenticeship accommodation is a analytic best to ample in the gap.

Student loans appear in a array of flavors, with loans tailored for acceptance with aberrant need, and loans for the needs of boilerplate students. There are even loans accurately advised for medical students. There are aswell federal and clandestine versions of these loans.

It is simple to accept how a apprentice would feel afflicted with so abounding apprenticeship costs options. But like a lot of things in life, there's a adjustment to the madness. And with just a little acumen into the pros and cons of anniversary accommodation type, acceptance and their parents can see added acutely the options that are best ill-fitted for an alone student's needs.

Of all apprentice apprenticeship accommodation options, the one with the a lot of adorable agreement is the Perkins Loan. Perkins Loans accept an abundantly low, anchored absorption bulk of 5 percent. These loans aswell accept a best "grace period" - the time accustomed afterwards abrogation academy afore transaction is required. Perkins Loans action a 9-month adroitness period, as against to 6 months with a Stafford Loan. Another huge account of Perkins Loans is that they don't activate to accumulate absorption until afterwards you accept larboard school.

Your Perkins Accommodation may aswell authorize for Accommodation Cancellation, which could pay aback a portion, or all, of your apprentice loan. Federal Accommodation Cancellation is offered to graduates who accede to plan in high-need areas, such as accordant to advise in a appointed low-income school. The downside of Perkins Loans is that they're not accessible for everybody - these loans are advised for acceptance with "exceptional need."

If Perkins Loans are not an advantage for you, again Stafford Loans are the next best thing. Stafford Loans action allowances agnate to Perkins Loans, with absorption ante currently active in the 5 to 7 percent adjacency - still actual reasonable, as loans go these days. Like Perkins Loans, Stafford loans don't crave claim until afterwards you leave academy or bead beneath half-time student. They aswell affection a "grace period" of six months afore payments accept to begin.

Stafford Loans are offered anon from the federal government, and are aswell offered through the use of a clandestine lending institution. Depending on the academy you'll attend, you may accept the advantage of demography either a absolute federal Stafford Loan, or demography the aforementioned accommodation by application a clandestine lending academy as an intermediary. With some schools you may accept both options. With attention to clandestine lenders, assertive colleges may accept specific institutions that they attention as 'preferred lenders,' but bethink that you accept the advantage to seek your own clandestine lender for a Stafford Loan.

If you acquisition that grants, scholarships, and federal apprentice loans don't awning your needs, clandestine apprentice loans are consistently an option. Clandestine apprentice loans are a acceptable value, but they about affection hardly college absorption ante than their federal counterparts, and these ante are about variable. Because clandestine apprentice loans are not federally-backed, you will acceptable acquisition that you will charge someone, such as a parent, to co-sign for you. Even if your acclaim allows you to defended costs on your own, accepting a cosigner is a actual astute choice, back this can lower your loan's absorption rate. Blurred this absorption rate, even by a atom of a percent, can accomplish a above aberration in blurred the absolute bulk of money you'll accept to accord on the loan.

Unlike federal loans, clandestine apprentice loans may crave that you activate authoritative account payments while still in school. These payments may be in some bargain anatomy during this time, such as an interest-only payment. Even if your accurate accommodation doesn't crave any blazon of claim while in school, it's still a acceptable abstraction to forward what you can, if you can. Even baby aberrant payments, fabricated advanced of time, can accept a huge aftereffect on blurred the absolute bulk you'll accept to repay.

Student loans, abnormally the federally-backed versions, are a abundant bulk for acceptance and their parents if added allotment options aren't enough. It's accurate that the abounding altered types of apprentice loans can be ambagious to array through. But added accommodation options agency you're added acceptable acquisition a fit that is bigger for your specific needs. And by accepting a basal ability of the assorted apprenticeship costs options available, it will be abundant easier to acquisition the fit that's appropriate for you.

For added advice on the assorted apprentice apprenticeship loans and their claim options, amuse visit:

5 Strategies For the Physician to Pay Off Their Medical School Debt in 12 Months

2010-01-03T08:29:00.002-08:00

Attending medical academy is an big-ticket venture. It is an investment you accept fabricated in yourself and it will pay you abounding times over in the continued run. On the boilerplate a lot of physicians appear out of medical academy six abstracts in debt, and they do not alpha authoritative six abstracts annually until afterwards address and maybe fellowship. But already you accept completed your training the affairs for approaching balance are accomplished and will accomplish this debt accountability a pie that could be tackled one section afterwards the other.

To annihilate your medical academy debt in 365 days, it will yield a lot of charge from the physician, a lot of action and will power. It could beggarly abstinent yourself some luxuries today, but giving you the befalling to reside a debt chargeless activity in the future. Imagine accepting your bacon for you and your family's desires abandoned and not to accept one bill or the added extensive for it. Below are some strategies that will accept you demography out big bites out of that debt pie and accept it gone as anon as possible.

• Advance Address Budget

• Reside Within Your Means

• Locum Tenes

• Do Not Yield On New Debt

• Pay High Interest Loans First

Maintain Your Address Budget

As a citizen or adolescent you accept able the art of frugal active and you do not absorb money unnecessarily. You accept a account that you stick to and rarely about-face from. Ideally your aboriginal job alfresco your training will be two times or three times your bacon as a doctor in training. If you advance your costs at your address level, you will again accept added assets to bandy at your medical academy loans which will abate it drastically.

Live Within Your Means

Getting a job afterwards your alum training gives you the added assets to do those things which accept alone been abroad thoughts. You could buy a new car; new cloths yield a vacation or get a bigger house. However, to pay off our debt in the atomic accessible time it is important that you alone yield affliction of important needs and not wants. Do things you charge to do and reside your wants for band if you accept alone your medical academy debt.

Locum Tenes

Having an added abiding bacon advancing in could do a lot of acceptable for your basal line. Acquisition out if the behavior of the present abode you are alive for allows their physicians to get added alfresco work. Already you get the blooming ablaze acquisition a few hours and add some added assets to your salary, accretion the accoutrement you accept to accouterment your debt.

Do Not Yield On New Debt

To annihilate your debt as anon as accessible it is important that you do not yield on any new debt. Demography on new debt will alpha to attempt anon with the assets you accept accessible for arrest your medical academy loans. Debts like affairs a new home, a new car and added above costs should be put off until your loans are done.

Pay Smaller Loans First

If you accept added than one lender, you could consolidate your loans and accept one account payment. However, if you got your accommodation from one lender at altered times with altered rates, it is not all-important to consolidate. Alpha paying off your loans with the aboriginal bulk aboriginal while paying the minimum for the added loans. What this does is that it gives you baby victories aboriginal on and encourages you to accumulate on going. Afterwards anniversary accommodation you pay off, add that bulk to the next aboriginal accommodation bulk and accumulate o traveling at it. In no time you will accept a huge bulk to approach to application your debts and will accept it done in no time.

Getting rid of your medical academy loans can be done in 12 months or hardly added depending on the bulk owed and the physician's commitment. Lenders commonly accord about 6 ages adroitness aeon afore they charge you to alpha authoritative account payments afterwards you alum from address training. Do not delay for those six months, alarm them up and alpha application the loans as anon as your paycheck starts advancing in. Money is one of those things that does not like to stick about with any one being for long, if you do not accord it to Aunty Sallie appropriate away, it will acquisition its way to Uncle Lexus. The best is yours.

Lose Your Student Loans

2010-01-03T08:29:00.001-08:00

Student loans can be the affliction of some people's existence. They assume as if they are never- ending! Maybe you would like to be anyone who avoids this situation. It's possible. There are times if apprentice loans can be fabricated to disappear. There are several activities and jobs that can be taken up that will authorize you to accept your apprentice loans erased. Maybe you accept advised accomplishing one of them.

Some teaching jobs will authorize you if you activate teaching in accurate areas. Agents who accede to plan in schools that are amid in economically disadvantaged areas are on the account of humans who can accept their loans forgiven. Agents who are accommodating to plan in these areas are bare and affectionate apprentice loans is one way of assuming acknowledgment to those who accede to yield those jobs. Also, bushing a charge area agents are deficient can accumulate you from paying your loans. You may be beatific to far abroad and limited areas to teach, but you may acquisition it to be account it to yield those jobs if you don't accept to pay your loans. It is a accommodation that you can adjudge to yield or not.

Serving in one of the branches of the aggressive and added professions such as these can be advised for accommodation forgiveness. If you plan on abutting the aggressive in any capacity, your apprentice loans can be forgiven. Sometimes humans who become badge officers, acquittal admiral or any added accord administrator may be acceptable for this program. If you are planning on entering one of these professions, it would be advantageous to attending into whether or not your apprentice loans can authorize for the accommodation absolution in your circumstance.

Some advance positions can aswell authorize you for accommodation forgiveness. One archetype is the Accord Corps. The Accord Corps consists of volunteers who biking to adopted countries to do acceptable works and advice the humans in those countries achieve goals. The Accord Corps' mission is to

1) forward able humans to adopted countries to advice them accommodated their needs,

2) advice these humans get to apperceive Americans and

3) to advice Americans get to apperceive humans of added cultures. If this seems like an chance you would like to take, it will do added than just aggrandize your horizons; it will aswell abate you of your apprentice loans!

Certain jobs can advice you rid yourself of your apprentice loans and the activities are worthwhile. You will accept accustomed yourself adventures that can never be taken abroad and you will account financially from it.

5 Best Tips For Finding Private College Loans

2010-01-03T08:28:00.001-08:00

While earning a academy apprenticeship can absolutely be one of the best adventures in life, paying for it can be a altered story. If you're accessory a clandestine college, again that agency award the best clandestine academy loans for your needs. When you charge funds to pay for college, actuality are some tips to advice you in your coursing for loans:

1. Weigh all your options.

While this is one of the a lot of accepted options for acceptance who charge banking aid, it's not consistently the best option-or the alone option. Besides applying for loans, you can aswell administer for grants and scholarships. Assorted publications account all sorts of scholarships and grants available. By accomplishing your homework, it's accessible to armamentarium your absolute apprenticeship through scholarships and grants. Yes, that's right! Other options cover alive for a year amid top academy and college, abutting the military, or enrolling in a barter school. Basically, you should accessory at all your options and again actuate if clandestine academy loans are still the best advantage for your accurate situation.

2. Administer for accompaniment and civic loans.

It's appropriate that you administer for these loans first. There are bags of funds accessible at the accompaniment and civic level, for acceptance who charge to yield out a loan. This makes a lot of sense, if you anticipate about it. Apprenticeship not alone allowances you, but aswell your accompaniment and nation. So it's analytic that your accompaniment and civic government would action assorted banking aid options to their residents. The action couldn't be easier. You artlessly ample out a individual form, to actuate which types of accompaniment and civic banking aid you authorize for. This is absolutely one of the a lot of able means to defended clandestine academy loans.

3. Don't overlook clandestine loans.

You can acquisition a advanced array of clandestine loans accessible at bounded banks area you reside or area you'll be accessory college. When comparing such loans, you'll wish to analyze absorption rates, agreement and conditions, and so on. As with just about aggregate abroad in our lives, the Internet has fabricated the action abundant simpler. Just appointment a bank's website and again alpha analytic for advice about the academy loans they offer.

4. Verify that a lender is legitimate.

If they accept a homepage, accessory for a landline buzz amount and brick-and-mortar address. Also, apprentice if they're a affiliate of the Better Business Bureau (BBB). And seek online for reviews.

5. Don't accord up if you accept no acclaim or bad credit.

It's simple to accept that you will not authorize for clandestine academy loans, if you accept either no acclaim or bad credit. But in fact, you can still acquisition loans that you authorize for! You could authenticate with a relative, and will accept to pay academy absorption rates. But if you're set on accessory college, again you can still acquisition the appropriate loan.

If you wish to appear academy but abridgement the funds, again clandestine academy loans can help! These tips will advice you to acquisition accessible and clandestine loans for clandestine schools.

Private Academy Loans.

Student Loan Without a Cosigner

2009-11-23T23:40:00.001-08:00

Student loans without a cosigner are possible for students who want to get a student loan but don't have any willing co-signers.

This is actually a fairly comment problem. If your parents or relatives are unwilling to cosigner for your loan or simply have bad credit, they will not be able to cosigner your loan with you. Or maybe you simply don't want to involve your family in your financial affairs. Whatever the case, it is possible to get a loan for student without a cosigner.

Now typically if you want to get such a loan, the best type are federal student loans. Federal loans offers students very low interest rates and friendly repayment plans. Also, federal loans don't require a credit check and are no cosigner loans. This means you can qualify for a federal student loan event if you have bad credit and no cosigner to help sign for you.

Getting a federal loan is easy - you simply fill out a simple application and wait to be approved. There are two types of federal loans for students: Stafford loans and Perkins loans. Both of these are no co-signer loans.
Now, in the case that a federal loan does not cover your full tuition costs, or you simply can't qualify for an traditional loan for students, you will need to look at getting a different way to pay for your college education other than federal loans for students. You will need to look at getting college grants, bad credit student loans, and other alternative sources of funding.

No Credit Check and No Cosigner Auto and Student Loans

2009-11-23T23:39:00.002-08:00

Lately there has been a huge uproar over the legitimacy of auto and student loans that may or may not require a cosigner or a credit check. Much of this has to do with various marketing campaigns by certain lenders that have made it sound like that you either can have no cosigner or not have to submit to a credit check to get approved for your loan. When it comes to both auto and student loans you are almost one hundred percent of the time going to have to submit to a credit check to get approved for these types of loans. As far as requiring a cosigner, you typically won't need one if you can have good credit and a solid income, and with student loans there are actually loans that aren't based off of your credit at all and are instead based off of your need and other qualifications.

The truth is that you are going to have to submit to a credit check to get approved for one of these kinds of loans, and unless you have good credit and a substantial income you are also going to have to get a cosigner to get approved. The idea that there are no credit check and no cosigner auto and college loans on the market is simply a byproduct of what the payday loan industry has been using for their marketing campaigns. There are certain kinds of payday loans that don't require you to submit to a check on your credit and don't require a cosigner to get approved and while these kinds of cash loans do exist, they are not authentic auto or student loans. Don't make the mistake of looking for these types of auto and student loans because in reality you are looking for a loan product that doesn't really exist. The payday loan industry has essentially created the idea that these types of loans are on the market when in reality they are not, and that is why you should not waste your time looking for auto or student loans that don't require a credit check or cosigner.

Financial Aid For College - How Single Moms Can Save Money When Paying Back a College Loan

2009-11-23T23:39:00.001-08:00

If you're a single mother, there are several things you can do when you leave college to make sure that you are not having to live on bread and butter for the next several years paying back your college loans. Most of us have to pay back tens of thousands of dollars upon leaving college to the tune of several hundred or thousand dollars a month. Here's a way to lower those payments and have a better way of life after college has ended.

The first thing you can do is ask for a break. Under employed borrowers can defer paying back their college loans. Whether you took out a Stafford loan or a Perkins loan, you can extend this. Sometimes up to three years. You can also pay interest while you are deferring the payment so it does not accrue.

Another possibility is to refinance the loan. I remember when I left college that I had to refinance because of a higher percentage rate. This was actually automatic. Many of the loans sell themselves to other companies and you automatically receive a lower percentage rate from the new company.

This may be different now because Fannie Mae and Freddie Mac are now defunct and you will not get such great deals anymore. However there are new companies that also allow you to stretch your payments out and cut the percentage rates to some degree. Doing this, you can save yourself a few hundred dollars a month.

The last thing you should consider is if you are going to college for the first time, or if you're a single mom headed to college to finish your degree, you may want to become a teacher. Look for federal grants such as the TEACH grants which is the teacher education assistance for college and higher education grant program which can provide up to $4000 a year for students that want to become teachers.

Regardless of your choice in life and what direction you are going in, you need to remember that you're going to have to pay the college institution that you're attending at some point. It is best to consider how much you are going to pay now, especially if you are a single mom, and also how much you can save on paying by applying for federal grants to offset this balance. In this way, you will save money when it comes time to paying for your college loans.

5 Ways to Pay Off Student Loans

2009-11-23T23:38:00.000-08:00

Are you worried that you will not be able to pay all of your loans off until your grandchildren are grown? If you want to get rid of the burden of student loans and start living a life with more freedom, you can. You need a way of paying off students in a realistic and effective manner.

There are thousands of people who are paying off student loans and want them gone. It is especially crucial to pay them off since they are not dischargeable in bankruptcy. Don't freight, there are many individuals that have paid off their student loans with these 5 methods I'm about to show you.

Save, Save, Save - You can put away some money each week or month to put toward your college debt. When using this method, you must be disciplined with your money. This may also mean doing without some things. For example, no cable, no eating out at restaurants, no traveling/vacations and etc. But once you have paid off your debt, you can enjoy some of these activities.

Get a Second Job - Yes, in this down economy, you can still get a second job. It may not be what you want, but it's a job. One of my sharp accounting friends just took a part time job as a janitor. You can work an extra 15 - 20 hours a week for the sole purpose of paying off student loans. If you do this for a few years, you'll have your debt paid off much faster than say 20 or 30 years.

Join an Internet Network Marketing Group - It is now getting easier to use the internet and has made network marketing more practical for everyone. The great thing about network marketing is that there is a low entrance fee and you work with a group of people who show you how to make money. Every year, more and more people are electing this option to create extra income.

Get a Roommate - If you have enough room in your home, get a roommate. I know several people who take this approach. You can find a friend or ask around to see if anyone is looking for a roommate. In fact, there are places you can go online to find roommates in your area. Please be cautious when taking this approach and do the necessary due diligence for a potential roommate.

Purchase and Renting Real Estate - Another approach is purchasing real estate and renting out the dwelling. We are currently in a buyer's market and with the foreclosure rate being so high, this means there are more renters available. If you don't have much money, you can go to a bank and ask for a loan or partner with someone to do this venture. You can take the proceeds from the rents and put them toward your debt.

Please note that none of these methods are a get rich quick scheme. Each method takes a level of commitment and diligent. However, I do believe that if you can graduate from college, you should be able to successfully pay off your student loan debt using at least one of these methods.

Pell Grants For Single Mothers - How to Get a College Degree Without a Student Loan

2009-11-23T23:37:00.000-08:00

The Pell Grant is a great source of educational funding that all students should qualify for. The problem is qualifying with can have to do with a variety of problems. The choice to go to school is an extremely important one to think about. Obtaining a college degree will provide you with the necessary skills and knowledge to become successful in the career of your choice. But how will you get funding for it? Take out a student loan? Absolutely not. If you are a single mother, you need to apply for the Pell grant, and not student loans, to pay your way through college. Here is why.

Getting an education is an investment in your future. Before you select your career, it's necessary to consider how much time, money, and commitment you've got to prepare yourself for a job. Selecting the best career and funding school takes a great deal of forethought. The same type of thinking needs to go into your idea of where school funding will come from.

Financial scholarships can be a stepping-stone toward your success. The point of financial aid is to assist students and even working moms with their educational expenses so that economic barriers don't stop them from obtaining their academic dreams. The Pell grant, and other grants such as the TEACH grant, are major contributors for funding educations. Recently the Obama administration helped increase Pell funding to $5100 per semester to help single students, including single mothers and fathers, finish their college degree.

An often overlooked source of student aid are scholarships. These are given to students that fulfill certain qualifications. Leadership scholarships are handed out to those that meet certain specific standards.

Scholarships may necessitate qualifying by having a high grade point average or doing community activities. Getting a full ride scholarship would be a fantastic gift, but few get this, and that is why the Pell grant, not student loans, should be your primary focus.

One other thing to think about before pursuing a college degree is the overall cost. Not just school, but how much itll cost to live, eat, pay rent. The possibility exists that you will not receive the Pell Grant. Should this happen you would need to consider students loans, but only as a last resort. You will have to consider qualifying for some of the loans provided by your college such as the Federal Perkins loans or the Federal Parent PLUS loans.

So your best option is getting the Pell Grant. All of the student loans have very high rates of interest which you want to avoid. If you are a single mother, or any college student, and can qualify, you will be able to get your 2 year degree on the Pell alone, so it is in your best interest not to take out any type of student loan if grants or scholarships are accessible.

Update: There are many other grants that are available including student specific, subject specific, degree level, minority grants, and other sources of federal and state funding. Your best bet is to ask your College financial advisor about these additional options.

Do Stafford Student Loans Cover The Cost Of Education?

2009-11-17T08:52:00.001-08:00

Stafford student loans are the most popular used aid package for financing college. It is available to all students who attend accredited schools. The advantage of stafford student loans is rate and terms:

stafford student loans rates are fixed and lower than other college aid packages
stafford student loans do not require a credit check or collateral
stafford student loans have repayment terms of 10 years; under consolidation, terms can be extended to 20 and 30 years depending on the amount being consolidated

The disadvantage of stafford student loans is the loan amounts available. The total amount available for undergraduate students in the 1st and 2nd year does not cover the cost of education. The loan amounts are also subject to the student's dependency and independency status. Dependent undergrad students get even less when they apply for stafford student loans:

Aggregate Annual Loan Amounts for Dependent Undergraduate Students

First Year: $3,500
Second Year: $4,500
Third Year and Beyond: $5,500

Aggregate Annual Loan Amounts for Independent Undergraduate Students

First Year: $7,500
Second Year: $8,500
Third Year and Beyond: $10,500

The annual loan amounts will barely cover the cost of tuition, not to mention housing, food, transportation, recreation and other related college expenses. With the average costs for college ranging from $16,000 to $35,000 per year (depending on which university you attend), you can see why Stafford student loans pay for only a part of the total academic cost. So What Should You Do:

First Step: Start with a Budget Plan
All students should have a budget plan for school. The plan lists the financial aid options you have for the academic period and the month-by-month spending plan.
Budget plans help students understand where they need to save and reduce daily spends in order to stay within limits.
You can estimate and budget these expenses by month using budgeting worksheets and other online budgeting forms.
Get All of the Stafford Student Loan Money You Can Get
You may require multiple financial aid sources to help pay for school. So start by getting all of the stafford student loan amounts that you can get. It may not be much, depending on your status and grade level. But every dollar counts.
Look for Other FREE Financial Aid Options
There are FREE financial aid options that can help pay the cost of education. The most popular FREE option is scholarships. Another is work-study and other college aid. Another is community service. So complete a thorough search of ALL available aid options.
Keep Tally of Your Financial Aid Sources
You may be using scholarships, college aid, stafford student loans, work-study, and other aid sources to pay the full cost of education. Keep track of that information regarding aid amounts, sources of aid, aid provider name and address, aid terms, etc. It will come in handy for successive years when you need new aid and when you need to consolidate loan amounts upon graduation.
Use Private Student Loans to Close the Gap
If you need additional money to make up the difference between the costs and aid received, consider using private student loans to close the gap. With most private student loan programs, you can borrow up to the cost of education (within limits) to pay tuition, housing, computer, and other related college expenses not covered by college aid and parent contributions. You generally don't have to make payments until after graduation. Private student loans are a great resource when you need extra money. Sometimes your college and personal aid will not cover the full cost of education after your run your budgeting analysis. That is when you turn to private student loans to make up the difference from the cost of education and the amount of student financial aid that you have.
Use Pre-Paid Credit to Manage Your Money
Pre-paid credit is one of the best money management tools for students on tight budgets. Pre-paid credit works exactly like credit cards except for one thing -- the amount you can spend with the card is dependent on the amount you load to the card. That is a key advantage. You can budget what you want to spend by week or by month and load that amount from your student funds to the card. You can then use the card to buy food, supplies, recreation, etc., and limit your spend to the amount loaded.

Stafford student loans may not cover your full education costs. But they are a great source of aid to have in your pocket when considering the aid options you need to attend school.

You can get more information about stafford student loans and other benefits mentioned above:

Krayton M Davis is the Executive Principal of nBuy Associates, which owns and operates the SayStudent College Financing Guide. For more information about our services, link to: http://ww

Government Student Loan Consolidation Pros and Cons

2009-10-22T06:57:00.000-07:00

Student loans can feel like a crushing burden to many people. One possible solution is government student loan consolidation. Although this can certainly lower your overall monthly burden, it's important to do your research before you rush out to consolidate. There are some specific negative consequences you should also be aware of.

First off, let's discuss the benefits of government student loan consolidation. Once you consolidate, you will have a stable interest rate below 8.25%. This rate can never change so it will make planning for the future much simpler than it was before at a variable rate that could shift with the economic winds. You can also choose to extend the term of the loan out to 30 years which will significantly lower your monthly payments. All of this can be accomplished in a very simple loan application process. And don't worry about fees, credit checks, or prepayment penalties, because none of these apply.

It may seem like a slam dunk case, but there's more to it than that. When weighing government student loan consolidation, you must consider the negatives. There are two specific situations when you should never consolidate. If you are near the end of your loan term, there is no benefit and when your consolidated rate would be higher than your current rate you should absolutely hold off. There are additional reasons that might figure into your decision though. Consolidating now could mean missing out on a lower interest rate in the future since you can only take advantage of government student loan consolidation once. You will also lose your 6 month post graduation grace period once you consolidate.

Given all of these factors, take the time to look over your specific situation. Do further research and try to determine if government student loan consolidation is right for you.

Some Simple Advice on Student Loans

2009-10-22T06:53:00.000-07:00

In these hard economic times, it is important to understand your options when you are thinking about a student loan or getting ready to pay one off. Some people are confused about how student loans work, but it is vital that you know how these student loans work so you can make the best decisions as you move forward with your education or begin the pay-back process after the degree. There are a few common mistakes that you can avoid that will save you money as well.

If you feel that you are unsure what a student loan really is and how it works, let's explore this first. Being informed about what you are getting in to and what us expected of you with a student loan will help you make an informed decision. In a nutshell, a student loan is an unsecured loan (meaning no collateral is necessary) that can be given to you by a bank or government organization. Depending on your age, these loans may be given to your parents for your educational use. Unless you have a full ride scholarship or a lot of little scholarships or grants that add up, you are probably going to need a student loan to get through college.

Your next question may be wondering if you should even take out a student loan right now. If you're High School graduation is just around the corner, then you may need to reword that question to ask what options you have in this recession. You may have read all the reports on the job market, and how college degree holders are still finding themselves without jobs. What was once your golden key may not look as golden anymore, and tacking a student loan onto the top of it may not seem to make sense to you. But remember, our economy has always gone through these peaks and valleys. Even though jobs may be scarce, those with the degrees will be the first to get the jobs once they are out there again. If jobs are unavailable, then the best place for you may be in college, furthering your education, while the economy heals, even with a student loan.

If you are one of the many that finds yourself at the point where you need to begin paying back that student loan but you don't have a job, then there are still some options for you. You first option may be to continue with your education, even though this means you will take out more loans. This course goes hand-in-hand with college being the best place to be while you're riding out this iffy job market. There also may be programs that let you defer your payments even longer so do some research on this as well.

Finding loans and funding to complete your education is a huge step. To ensure you get a student loan, make sure you do your homework and know all the facts. Check the current job market and be sure that there are going to be jobs available when you complete your courses.

Student Finance - Reducing the Cost of Education

2009-10-21T10:29:00.000-07:00

As we all know, being in education can be a very expensive time. It often has significant costs (accommodation, food, bills, books etc) and, because it can take up a lot of your time, you are often left with little or no time to work to pay for your education.

Thankfully the government recognises this fact, and also realizes that education is crucial to our country's long-term growth prospects. As a result, it offers several tax breaks for those in education. The following are a few of the more common ones, which may well apply to your or your children:

1. College Costs

If your income is below a certain level, currently $65,000, you are allowed to claim up to $4,000 in tax breaks on your college costs. Even if you income is higher than this ($65,000 - $80,000), you can still claim $2,000 in reduced taxes.

To claim back tax on the costs of your education, you need to complete an IRS Form 1040.

2. Tax Credits

There are a couple of tax credit schemes that you can take advantage of if you have low to moderate earnings. The first is the Hope Scholarship, which can be worth up to $1,500 for each of your first two years at college. The second is the Lifetime Learning Credits scheme, which is worth up to $2,000 per taxpayer.

There are a couple of conditions which apply to these schemes - first, a student may only make use of one of them each year. Second, you are not allowed to withdraw money from certain types of saving account while claiming a credit. Third, you are not allowed to claim college expenses at the same time. However, both schemes offer significant advantages, making them well worth investigating.

3. Tax Free Educational Accounts

There are a couple of types of bank account that you can use to protect your savings from tax, and to help fund your education. These are Education Savings Accounts (ESAs) and section 529 plans. In both cases, your money is not taxed provided you withdraw it and use it to pay for legitimate education expenses.

The only real downside to using these accounts is that they may make you ineligible for other types of educational funding help, so you should check with your financial advisor or speak to someone at your bank to help you decide which is best for you.

As you can see, funding your education doesn't have to be as expensive as it can seem. The government has provided a number of tax benefits for students, but it's up to you to make the most of them.

Once a self-confessed spendaholic, Paul Watkins now works hard to control his own finances, and enjoys passing on the lessons he's learned so that others can do the same

Student Loan Refinancing - A Guide

2009-10-21T10:25:00.000-07:00

Refinancing your student loan can be a tricky business; there seems to be plenty of information on the internet but a lot of it can be quite misleading. This article looks at addressing particular issues so that when it comes to refinancing your student loan you are armed with all the correct knowledge.

It is usual that student loans have a period after the student has left education that the loan does not have to be repaid. This can be anything from a year to six months and is a perfect opportunity to shave years off the loan repayment period as any payment made during this period goes toward the principle repayment and is not wasted on interest. If you are hoping to refinance then this period is also very important as it can save you money and the lender will give better repayment options.

Financial institutions also offer lender incentive deals to reduce interest rates and further save money for the person taking out the refinanced loan. It is important when considering loan refinancing to take these into account when targeting the right deal for you as they can change your rate of interest from a quarter percent to anything up to two percent. This can lead to massive savings so remember to calculate these discounts and incentives to your final figures.

Rules in the recent past have changed and long gone are the days of refinancing your student loan on multiple occasions to continually get the best deal at the current interest rates. Borrower can now only add additional loans to the refinance package so it is important to get the right product first time around. Research is imperative to make sure you select the right product for your personal economic situation as this loan can be anywhere up to and above 10 years..

It is always a good idea to keep your credit score in a healthy position. When looking to refinance and consolidate any type of loan, the better your credit score, the better rate of interest you will be offered. Once again, this can lead to massive differences in the repayment of the debt so it is an important point to consider.

Student Loans - Helpful Tips

2009-10-21T10:21:00.000-07:00

There is nothing as frustrating for a student than running short of money to pursue his educational goals. But then there is nothing to lose hope as there are low interest student loans designed exclusively for students who need funds to pursue higher studies. There are essentially two types of loans, the first one from programs run by the government and the second type can be obtained from private lenders. The low interest student loans offered by private sources are tougher to procure and they give a lot of importance to credit rating. But the government loans are easier to procure and you do not even need collaterals or a good credit rating to obtain such loans.

What do low interest loans mean? These are especially designed for students where the monthly payout is affordable and the tenure of the loan is also long, so that it becomes easier for the student to repay the loan. The interest amount that you pay for the low interest loans is effective from the day of loan disbursement. You could either decide to pay the interest amount first or have it added up to the principal amount to be paid back.

Though students have the option of taking low student loans from private sources, it is recommended not to go for these, since government-backed loans are easier to repay. Their terms and conditions are far more flexible than privately-organized cheap interest student loans. Also, government-sponsored loans can be obtained directly or through programs backed by the government.