Credit card offers these days often come accompanied by pages and pages of fine print. Buried in this "legal" credit card processing process are some common catches that could impact you in a major way. From universal default clauses to annual fees, here are the most common credit card traps you should avoid:
Annual Fees – An annual fee is a charge sometimes required by credit card companies for use of an account. These fees usually range between $35-$50 and are most common with subprime credit cards designed for borrowers with poor credit and rewards credit cards. You can see exactly what the annual fee on a credit card offer is by checking out the “Schumer Box” in the rates and terms section of the offer. With a rewards card, you should ensure that the benefits of the mileage or points program outweigh the cost of the annual fee.
Bill Payment Fees – Even with online banking becoming increasingly common, some credit card companies charge extra fees for paying your bills online or by phone. If this is the case with your card, be sure you pay your bill by mail as soon as the statement arrives. You don’t want to have to pay an extra $5 or $10 just to make your credit card payment on time each month.
Grace Period – Standard credit cards commonly have a 20 to 30 day grace period. This is the period of time when you can pay your credit card bill without being charged interest. It is important for borrowers who like to use their credit cards frequently and pay their bills in full each month to have a long grace period. If your credit card doesn’t have a grace period, interest is charged on your debt as soon as you make a purchase
Cash advance - you can still pay even when you ran out off money. If you don't notice this, you may end up finding with debt problems and credits reports.
Showing posts with label definitions. Show all posts
Showing posts with label definitions. Show all posts
Saturday, 15 December 2007
Friday, 7 December 2007
Definitions for PPC businesses
Quite some time ago, I have posted a definitions article for beginners, which includes definition for basic MMO activities. Overtime, as my reader gradually get mature in the business, I saw them gain more and more interest in PPC and promoting business. So here it is, definitions for PPC and promoting.
First, PPCs are
Programs pay you on the basis of the number of clicks you earn through your ads. They are only concerned about the clicks and the number of times you show the ads doesn't matter. Also, any purchases or Actions generating through those ads will not be counted to you. Instead, the one who bought you to display the ads will have the larger piece of the pie. So PPC is good for people who have to refer some customers to another people who have goods to sell. This "man-in-the-middle" is called an Advertiser and you are a Publisher
CPC : Cost per Click
A term to indicate how much money will you get for
1) Show the ad
2) Have to user click on it
Here's the formula: How much money you earn = clicks x CPC. More clicks, more money.
Advertiser
A bit expensive for Advertisers compared to Pay Per impression but its more reliable as they are paying only for clicks generated.
Publisher
CPC ads pay more per click than other advertising methods. However, publishers have to take extra care that their ads work well with their campaign. The Advertiser's Ads may harm you promoting website(s). Else, it will turn out to be a loss for them. However, When targetted properly, PPC/CPC ads are the best form of advertising which is profitable for both advertisers and publishers.
Basically, when you sign up for any PPC or promoting, you will see two options whether to become an publisher or an advertiser.
The most popular form of ad for PPC is banner
What is a web banner?
A web banner can be a single image (.gif, .jpg, etc.), a flash movie or a composite of different elements such as graphics, flash and or HTML code.
What is a banner impression?
Banner impression measures the number of times the banner is displayed, either on a web page or in a separate browser window as a pop-up or pop-under advertisement. Thus, 1000 impressions mean that the banner has been displayed 1000 times.
What is CPM?
Cost Per thousand iMpressions is an effective method of pricing web banner ads. It is the cost for displaying a banner 1000 times. Thus, if a banner ad space has a CPM of $10, it means that the cost of displaying a banner space one thousand times on that space is $10. Advertising program that uses this method almost only count traffic from the western world. This is the root for PPM
Pay per impression programs pay you on the basis of the number of ads you show rather than any other criteria required from the users side, like clicks, signups etx. Pay per impression are the safest mode of advertisement. Which is :-
1. Cheaper for the Advertiser (since the rates are low but are less reliable)
2. Quite reliable for Publisher but low paying. Publishers dont have to worry about clicks or signups.
What is CTR?
Click Through Ratio determines the effectiveness of a banner ad in terms of click-thrus. It is a ratio of the number of times the banner was clicked on by the viewer and the number of times the banner was displayed. Thus, if a banner has been displayed 1000 times and has been clicked 50 times, its CTR is 50:1000 or 1:20. Changing this CTR into a percentage value yields 5% (1/20 * 100); thus, 5% of the impressions have lead to clicks on the banner.
Coining CPM and CPC together, the term eCPM was born, it indicates how much clicks you generated per thousand impression. e stands for "effective", how many percent of your traffic is "effective" for PPC.
PPC and PPM can be considered a "bridge" between real advertising services and the basic MMO counterparts (PTP). Just to see how much life has been getting complicated ;)
First, PPCs are
Programs pay you on the basis of the number of clicks you earn through your ads. They are only concerned about the clicks and the number of times you show the ads doesn't matter. Also, any purchases or Actions generating through those ads will not be counted to you. Instead, the one who bought you to display the ads will have the larger piece of the pie. So PPC is good for people who have to refer some customers to another people who have goods to sell. This "man-in-the-middle" is called an Advertiser and you are a Publisher
CPC : Cost per Click
A term to indicate how much money will you get for
1) Show the ad
2) Have to user click on it
Here's the formula: How much money you earn = clicks x CPC. More clicks, more money.
Advertiser
A bit expensive for Advertisers compared to Pay Per impression but its more reliable as they are paying only for clicks generated.
Publisher
CPC ads pay more per click than other advertising methods. However, publishers have to take extra care that their ads work well with their campaign. The Advertiser's Ads may harm you promoting website(s). Else, it will turn out to be a loss for them. However, When targetted properly, PPC/CPC ads are the best form of advertising which is profitable for both advertisers and publishers.
Basically, when you sign up for any PPC or promoting, you will see two options whether to become an publisher or an advertiser.
The most popular form of ad for PPC is banner
What is a web banner?
A web banner can be a single image (.gif, .jpg, etc.), a flash movie or a composite of different elements such as graphics, flash and or HTML code.
What is a banner impression?
Banner impression measures the number of times the banner is displayed, either on a web page or in a separate browser window as a pop-up or pop-under advertisement. Thus, 1000 impressions mean that the banner has been displayed 1000 times.
What is CPM?
Cost Per thousand iMpressions is an effective method of pricing web banner ads. It is the cost for displaying a banner 1000 times. Thus, if a banner ad space has a CPM of $10, it means that the cost of displaying a banner space one thousand times on that space is $10. Advertising program that uses this method almost only count traffic from the western world. This is the root for PPM
Pay per impression programs pay you on the basis of the number of ads you show rather than any other criteria required from the users side, like clicks, signups etx. Pay per impression are the safest mode of advertisement. Which is :-
1. Cheaper for the Advertiser (since the rates are low but are less reliable)
2. Quite reliable for Publisher but low paying. Publishers dont have to worry about clicks or signups.
What is CTR?
Click Through Ratio determines the effectiveness of a banner ad in terms of click-thrus. It is a ratio of the number of times the banner was clicked on by the viewer and the number of times the banner was displayed. Thus, if a banner has been displayed 1000 times and has been clicked 50 times, its CTR is 50:1000 or 1:20. Changing this CTR into a percentage value yields 5% (1/20 * 100); thus, 5% of the impressions have lead to clicks on the banner.
Coining CPM and CPC together, the term eCPM was born, it indicates how much clicks you generated per thousand impression. e stands for "effective", how many percent of your traffic is "effective" for PPC.
PPC and PPM can be considered a "bridge" between real advertising services and the basic MMO counterparts (PTP). Just to see how much life has been getting complicated ;)
Subscribe to:
Posts (Atom)
Showing posts with label definitions. Show all posts
Showing posts with label definitions. Show all posts
Saturday, 15 December 2007
Credit Card Catches
Credit card offers these days often come accompanied by pages and pages of fine print. Buried in this "legal" credit card processing process are some common catches that could impact you in a major way. From universal default clauses to annual fees, here are the most common credit card traps you should avoid:
Annual Fees – An annual fee is a charge sometimes required by credit card companies for use of an account. These fees usually range between $35-$50 and are most common with subprime credit cards designed for borrowers with poor credit and rewards credit cards. You can see exactly what the annual fee on a credit card offer is by checking out the “Schumer Box” in the rates and terms section of the offer. With a rewards card, you should ensure that the benefits of the mileage or points program outweigh the cost of the annual fee.
Bill Payment Fees – Even with online banking becoming increasingly common, some credit card companies charge extra fees for paying your bills online or by phone. If this is the case with your card, be sure you pay your bill by mail as soon as the statement arrives. You don’t want to have to pay an extra $5 or $10 just to make your credit card payment on time each month.
Grace Period – Standard credit cards commonly have a 20 to 30 day grace period. This is the period of time when you can pay your credit card bill without being charged interest. It is important for borrowers who like to use their credit cards frequently and pay their bills in full each month to have a long grace period. If your credit card doesn’t have a grace period, interest is charged on your debt as soon as you make a purchase
Cash advance - you can still pay even when you ran out off money. If you don't notice this, you may end up finding with debt problems and credits reports.
Annual Fees – An annual fee is a charge sometimes required by credit card companies for use of an account. These fees usually range between $35-$50 and are most common with subprime credit cards designed for borrowers with poor credit and rewards credit cards. You can see exactly what the annual fee on a credit card offer is by checking out the “Schumer Box” in the rates and terms section of the offer. With a rewards card, you should ensure that the benefits of the mileage or points program outweigh the cost of the annual fee.
Bill Payment Fees – Even with online banking becoming increasingly common, some credit card companies charge extra fees for paying your bills online or by phone. If this is the case with your card, be sure you pay your bill by mail as soon as the statement arrives. You don’t want to have to pay an extra $5 or $10 just to make your credit card payment on time each month.
Grace Period – Standard credit cards commonly have a 20 to 30 day grace period. This is the period of time when you can pay your credit card bill without being charged interest. It is important for borrowers who like to use their credit cards frequently and pay their bills in full each month to have a long grace period. If your credit card doesn’t have a grace period, interest is charged on your debt as soon as you make a purchase
Cash advance - you can still pay even when you ran out off money. If you don't notice this, you may end up finding with debt problems and credits reports.
Friday, 7 December 2007
Definitions for PPC businesses
Quite some time ago, I have posted a definitions article for beginners, which includes definition for basic MMO activities. Overtime, as my reader gradually get mature in the business, I saw them gain more and more interest in PPC and promoting business. So here it is, definitions for PPC and promoting.
First, PPCs are
Programs pay you on the basis of the number of clicks you earn through your ads. They are only concerned about the clicks and the number of times you show the ads doesn't matter. Also, any purchases or Actions generating through those ads will not be counted to you. Instead, the one who bought you to display the ads will have the larger piece of the pie. So PPC is good for people who have to refer some customers to another people who have goods to sell. This "man-in-the-middle" is called an Advertiser and you are a Publisher
CPC : Cost per Click
A term to indicate how much money will you get for
1) Show the ad
2) Have to user click on it
Here's the formula: How much money you earn = clicks x CPC. More clicks, more money.
Advertiser
A bit expensive for Advertisers compared to Pay Per impression but its more reliable as they are paying only for clicks generated.
Publisher
CPC ads pay more per click than other advertising methods. However, publishers have to take extra care that their ads work well with their campaign. The Advertiser's Ads may harm you promoting website(s). Else, it will turn out to be a loss for them. However, When targetted properly, PPC/CPC ads are the best form of advertising which is profitable for both advertisers and publishers.
Basically, when you sign up for any PPC or promoting, you will see two options whether to become an publisher or an advertiser.
The most popular form of ad for PPC is banner
What is a web banner?
A web banner can be a single image (.gif, .jpg, etc.), a flash movie or a composite of different elements such as graphics, flash and or HTML code.
What is a banner impression?
Banner impression measures the number of times the banner is displayed, either on a web page or in a separate browser window as a pop-up or pop-under advertisement. Thus, 1000 impressions mean that the banner has been displayed 1000 times.
What is CPM?
Cost Per thousand iMpressions is an effective method of pricing web banner ads. It is the cost for displaying a banner 1000 times. Thus, if a banner ad space has a CPM of $10, it means that the cost of displaying a banner space one thousand times on that space is $10. Advertising program that uses this method almost only count traffic from the western world. This is the root for PPM
Pay per impression programs pay you on the basis of the number of ads you show rather than any other criteria required from the users side, like clicks, signups etx. Pay per impression are the safest mode of advertisement. Which is :-
1. Cheaper for the Advertiser (since the rates are low but are less reliable)
2. Quite reliable for Publisher but low paying. Publishers dont have to worry about clicks or signups.
What is CTR?
Click Through Ratio determines the effectiveness of a banner ad in terms of click-thrus. It is a ratio of the number of times the banner was clicked on by the viewer and the number of times the banner was displayed. Thus, if a banner has been displayed 1000 times and has been clicked 50 times, its CTR is 50:1000 or 1:20. Changing this CTR into a percentage value yields 5% (1/20 * 100); thus, 5% of the impressions have lead to clicks on the banner.
Coining CPM and CPC together, the term eCPM was born, it indicates how much clicks you generated per thousand impression. e stands for "effective", how many percent of your traffic is "effective" for PPC.
PPC and PPM can be considered a "bridge" between real advertising services and the basic MMO counterparts (PTP). Just to see how much life has been getting complicated ;)
First, PPCs are
Programs pay you on the basis of the number of clicks you earn through your ads. They are only concerned about the clicks and the number of times you show the ads doesn't matter. Also, any purchases or Actions generating through those ads will not be counted to you. Instead, the one who bought you to display the ads will have the larger piece of the pie. So PPC is good for people who have to refer some customers to another people who have goods to sell. This "man-in-the-middle" is called an Advertiser and you are a Publisher
CPC : Cost per Click
A term to indicate how much money will you get for
1) Show the ad
2) Have to user click on it
Here's the formula: How much money you earn = clicks x CPC. More clicks, more money.
Advertiser
A bit expensive for Advertisers compared to Pay Per impression but its more reliable as they are paying only for clicks generated.
Publisher
CPC ads pay more per click than other advertising methods. However, publishers have to take extra care that their ads work well with their campaign. The Advertiser's Ads may harm you promoting website(s). Else, it will turn out to be a loss for them. However, When targetted properly, PPC/CPC ads are the best form of advertising which is profitable for both advertisers and publishers.
Basically, when you sign up for any PPC or promoting, you will see two options whether to become an publisher or an advertiser.
The most popular form of ad for PPC is banner
What is a web banner?
A web banner can be a single image (.gif, .jpg, etc.), a flash movie or a composite of different elements such as graphics, flash and or HTML code.
What is a banner impression?
Banner impression measures the number of times the banner is displayed, either on a web page or in a separate browser window as a pop-up or pop-under advertisement. Thus, 1000 impressions mean that the banner has been displayed 1000 times.
What is CPM?
Cost Per thousand iMpressions is an effective method of pricing web banner ads. It is the cost for displaying a banner 1000 times. Thus, if a banner ad space has a CPM of $10, it means that the cost of displaying a banner space one thousand times on that space is $10. Advertising program that uses this method almost only count traffic from the western world. This is the root for PPM
Pay per impression programs pay you on the basis of the number of ads you show rather than any other criteria required from the users side, like clicks, signups etx. Pay per impression are the safest mode of advertisement. Which is :-
1. Cheaper for the Advertiser (since the rates are low but are less reliable)
2. Quite reliable for Publisher but low paying. Publishers dont have to worry about clicks or signups.
What is CTR?
Click Through Ratio determines the effectiveness of a banner ad in terms of click-thrus. It is a ratio of the number of times the banner was clicked on by the viewer and the number of times the banner was displayed. Thus, if a banner has been displayed 1000 times and has been clicked 50 times, its CTR is 50:1000 or 1:20. Changing this CTR into a percentage value yields 5% (1/20 * 100); thus, 5% of the impressions have lead to clicks on the banner.
Coining CPM and CPC together, the term eCPM was born, it indicates how much clicks you generated per thousand impression. e stands for "effective", how many percent of your traffic is "effective" for PPC.
PPC and PPM can be considered a "bridge" between real advertising services and the basic MMO counterparts (PTP). Just to see how much life has been getting complicated ;)
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