Make your own free website on
Send As SMS


reliable information on credit cards - online investing - personal loans - owning and operating your own home business. indepth information from professionals in their field. dont forget to check out our links to the best sources on the internet, these days information and research is critical to making the best educated decision to suit your needs.

Monday, July 03, 2006

Credit Cards And Doorway Page

Visa and MasterCard are both trying to improve their credit card verification system to cut down on fraud.
Visa said, "...while just 6 cents of every $100 spent with Visa cards as a whole is fraudulent, that number jumps to 24 cents for Web transactions."

Although MasterCard declined to reveal how they are going to work out a more secure system until this weeks CardTech- SecurTech show in Las Vegas, this is what Visa plans for their 3D secure system:
"Based in part on Arcot Systems Inc.'s TransFort payment authentication software, 3D Secure enables card-issuing banks to confirm a card holder's identity to an online merchant during the checkout process. When a shopper on a PC or a Wireless Application Protocol-enabled phone is ready to check out, the Arcot technology launches a pop-up screen where customers are required to enter a password after they enter their credit card information. The password is authenticated, not by the site, but by the bank that issued the customer's Visa card, before the transaction can go on."

A doorway page is built to rank high for a particular keyword or search phrase. When your doorway page is visited by the searcher it simply has a "click me" button which links to your web site. The major search engines accept these pages as long as the end result does provide what the searcher is looking for. If you are discovered to be using doorway pages for irrelevant keywords you can expect to have your entire domain unlisted. For instance, one of our doorway pages is built to rank high for the search term -netobjects 5 download---which is quite acceptable because when the searcher gets here he can download a trial version of the software from our site. If however, it weren�t available for download then we would risk the wrath of the all powerful search engines.

Once you have selected your keywords and phrases (about 50 would be the normal) you need to build a doorway page for each keyword and ideally, for each major search engine. All the major engines look for different keyword density in the text, title and description so you need to do some research by doing a search using your chosen phrase or keyword and studying the top 10 results at each engine (if you can spot them, study high ranking doorway pages).

Make notes of how many times the phrase or keyword is used in the title, description and body text. Is it used in header text etc? Once you have built a picture of what your doorway page should look like you can build it using your favorite html editor.

Once you have done one for a particular engine the other 50 or so pages can be done by simply replacing keywords for keywords. After you have done a page for each keyword move on to the next search engine. Remember that your body text is not important but make each page unique or it may be considered spamming. It is your keyword or phrase density that you are attempting to get right. The page, when visited by a person, will be recognized for what it is, simply a link to the real content so don't worry too much about what it looks like. When a search engine spider visits the page it is only interested in counting the keyword density in your body text.
As you have probably worked out there is quite a lot of work involved. 50 phrases or keywords=50 pages X the top 8 search engines= 400 pages. In reality though, you are only creating 8 doorways, 1 page for each search engine. For all the other pages you simply have to substitute the keyword for the next and alter the text around so as not to finish with 50 identical pages. OK, nearly finished but the next step is crucial if your doorways are to work.

Put all your pages in a folder on your server e.g. Mydomain/doorways/. Then create 2 more pages that have a link and a small description to each of your doorways (200 on each) and to each other. These are called corridor pages because the spider travels down them, visiting each page linked off them.
Call these 2 pages index and home and place them in the folder with your doorway pages. Then place links to these two pages from your main index page so that a spider will be able to find them and list all your doorways. You can use a small 1x1 pixel graphic as a link. Submit only your index page and your 2 corridor pages. Do not submit your doorways to the engines.

Ideally, and if you can afford it, you should set up a new domain and host for your doorways. This isn�t essential but it does have benefits. These are: If you do get over zealous with your doorways and an engine does ban you for spamdexing at least your real site will be safe. Engines rank sites higher if they have lots of links to them from other domains. You can put your most important keywords in your new domain name, which will increase the ranking of the doorway pages containing those keywords.
Now all you have to do is wait for the engines to update their databases. We have had the best results with Google.

I hope this helps in your future marketing decisions.


David Bell is Manager, Online Marketing, at , a leading Search Engine Optimization services firm and Advertising Agency.

Other Links:

Structured Settlement Annuity

progressive slot







Types Of Mortgage

Buying a home is one of the biggest commitments you will ever undertake. So choosing your mortgage does take thought. Take some time to consider what mortgage is right for you. After all it�s your money you will be spending so, I would recommend utilizing it in the best way possible.

The kinds of mortgage available to you

There are thousands of different mortgages on the market at the moment, all offering something different, something similar but essentially offering one of two types:

� Repayment and Interest, with a repayment and interest mortgage you (the lender) you will have to payback the specified mortgage amount plus the interest in a specified time. For example if you borrowed �100,000 over 25 years, the total plus interest is �190,000 over 25 years, this is what you will repay. You will see the balance becoming increasingly smaller over the term of the loan.

� Interest only, with an interest only mortgage you only pay the interest on you mortgage, however when the term of your mortgage is over you are still left with the initial buying fee of your house. Using the above example this would be �100,000 still left to pay. When you take an interest only mortgage you will need to take out an alternate savings plan, in the form of a pension, I.S.A, or an endowment. These alternate plans run alongside your mortgage to accumulate the final sum to zero your balance after the term is over.

Advantages of a repayment and interest mortgage

� It is possible for you to pay off lump sums of your mortgage to minimize the balance and make term shorter. However do be careful as some lenders do charge for a early settlement. If you do decide to repay early it is better to do upon the changing period of your mortgage i.e. when you are eligible to start another discounted term with another lender.

� You do not always have to take out life insurance with a repayment mortgage. Some pension plans that are in place do cover for unfortunate events such as death.

� You know the full balance of your mortgage and also the term of the repayment, so you always know when your mortgage will be paid in full.

Disadvantages of a repayment and interest mortgage

� In the early years of a repaying your mortgage the majority of the monthly repayment is interest rather than capital. For lenders who move house regularly, this can mean that little of the capital is paid off.

� If no life insurance, pensions or assets are in place to cover the repayment of the house. In the unfortunate event of a death the house will still have to be repaid. If payments are not kept up to date then the house will be sold.

� There may be financial penalties for making additional payment into your mortgage account.

Interest only mortgage

With this type of mortgage, only the interest is paid off with each mortgage payment. After the term of the mortgage elapses e.g. 25 year period, the lender is left with the full balance for the initial purchase of the house. To combat this problem (if you do not have the money to repay after the term is over) you the lender can take out another policy to run along side the mortgage payment? These policies are an ISA, pension plan or endowment policy. When you find a policy to suit you? The policy will grow along with your mortgage to accumulate the balance of you initial payment over the same term as your current mortgage. So at the end of the specified lending term you have the correct amount of funds to pay your balance.

Pension Plan

Using a pension plan to accumulate the balance of your mortgage is a tax free saving scheme. The balance of your house will be saved over a period of time until you can pay your final balance. If you do intend to use a pension fund to save for the balance of your house, consideration should be taken into account to open another pension fund for retirement purposes too.

ISA Plan

With an ISA plan you invest in stocks and shares via an Individual Savings Account (ISA) - which is a tax-free method of saving. This method of saving may not be suitable for most borrowers. Before considering this option you should consult with an independent financial adviser.


An endowment is still the most common type of interest only mortgage which also provides life assurance cover and a fixed payment for investment. The endowment policy along with the interest only mortgage should in effect end at the same time, leaving you with the ownership of your home and nothing to pay. Endowments have undergone much criticism; this is due to investors being promised high returns from their investments. However lately this has not been the case, borrowers have found their investments have been as good as expected and a shortfall in the end amount of invested cash will not match the amount owed on the current property.

Taking into account the recent problems that have arisen regarding endowment policies it is worth remembering that returns on endowment policies have been pretty good, however you do need to see the term out in full. Also endowments do provide life assurance as part of the actual policy, so in the unfortunate event of a death the mortgage balance is paid in full.

Advantages of an interest only mortgage

� Your investments and savings could accumulate more than the required amount to cover the final payment; this could leave you more cash for your own personal use.

� Some plans have good tax benefits and help reach the required amount it a quicker and cheaper rate.

Disadvantages of an interest only mortgage

� In the unfortunate event of your investments not acquiring the designated amount of cash to cover the loan repayment, the investor could face a shortfall which they will then need to pay. If you are worried about a shortfall on your investment, you should keep in touch with your investor and request regular updates on the situation of your endowment. If the worst comes to the worst, you can increase payments to compensate for the loss of investment.

� Cashing in your endowment, ISA or pension could have adverse effects on the amount of money you have saved over the past however many years. If you do decide to cash in any existing policies you may be subjected to a penalty, this could be a cash amount specified by the investment company/lender. Please seek professional advice if you are worried about the end results of your finances, don�t be too hasty as most policies accumulate more of the cash in the final year.

-->by: Michael Aldridge

Other Links:

Structured Settlement Annuity

progressive slot