Web Traffic: Dirty Truth Behind Guaranteed Traffic

Generating traffic to your website is the next most important thing after you’ve published your website on the web.

You can have great-looking website, you can have good quality contents, but if you have no visitors to your website, your website is as good as junk.

Knowing that getting traffic determines the life and death of any website, some people jumped on that opportunity and came up with the “guaranteed traffic” scheme to mercilessly squeeze money out of those who desperately need traffic to their website.

What does it mean by “guaranteed traffic” in the first place?

For instance, a traffic seller called John Doe offers his traffic packages on his website:

· $60 for 20,000 guaranteed visitors – It means you pay $60 to John and he’ll get 20,000 web visitors for you

· $200 for 250 guaranteed signups – It means you pay $200, and you’ll have 250 people to opt into your database

Here’s how John sends “guaranteed traffic” to your website.Step 1: You pay John money for the traffic packageStep 2: John keeps half of the money and distributes the other half among his members who will then click to go to your websiteStep 3: Once the number of visitors to your website has been fulfilled, your deal with John will end.

[Note: you’re not John’s member, you’re his client. John will have another few websites that help him sign in the kind of people who are interested to make some money from visiting websites, reading emails and opting into other people’s database.]

Such a scheme is commonly known as “paid-to-click” or “paid-to-signup”. Meaning, John’s members get paid for clicking to visit your website or opt into your database.

So, will visitors who go to your website under such condition carry genuine interest in your product offer?

I don’t think so.

Check with any guru or expert, they’ll tell you it’s a waste of money and effort to buy such kind of traffic because those visitors are only interested to make spare cash by visiting other people’s websites.

If you were one of those people who love to get paid by clicking to visit websites or opt into database, you’d love to have such a scheme to help you make some spare time cash.

But if you’re running a serious online business, I’m sure you don’t want to have this kind of “traffic” flocking to your website that doesn’t help in your sales but drain away your money instead.

So when you have so many visitors or signups in your database, don’t be too happy yet. Because these are the people that usually disappoint you in your sales.

Who’s actually making sales instead? John, of course.

Hence, be careful not to fall into such “guaranteed traffic” trap.

Focus more on search engine traffic or advertise using pay-per-click, these are your better way of getting serious visitors who are genuinely interested in your product offer.

And thus increasing your chances of grabbing more sales.Special note: Difference between pay-per-click and paid-to-click

Pay-per-click and paid-to-click are 2 totally different advertising approaches.

Unlike paid-to-click scheme, pay-per-click works in such a way that you’ll pay only when your ad is clicked.

And the best part is the person who clicks your ad does not get paid for his act, which means he’s showing greater interest in your product offer as compared to those paid-to-click visitors, hence giving you higher chances of closing sales.

Do a search for the word “pay-per-click” and you’ll see some ads lining up vertically on the right of your screen. Those are examples of pay-per-click ads.

With several years of rock-solid Internet marketing experience, Soon Chai Lim knows exactly what works and what doesn’t. He will “personally” show you how to get the best-of-breed web tools & resources for your online business using his self-created tried and true 5 POWER STEPS, and dramatically boost your online sales and profits. 100% FREE!

PLUS, receive your free ebook, marketing tips and updates at http://www.iOneMoney.com

Va Home Loans – The History Behind The Va Loan Guaranty Program

VA Home Loans – The History Behind the VA Loan Guaranty Program

The VA Home Loan Guaranty Program wasn’t always available to veterans who qualify. Visit Here http://credit-cash-loan.blogspot.com

The mortgage program came about as a result of certain historic events that make it what it is today. Private lenders fund VA mortgages and the U.S. Department of Veterans Affairs provides those lenders with a guaranty to back up a portion of each loan.

America’s record for taking care of its veterans dates back to 1636 when the Pilgrims of Plymouth Colony were at war with the Pequot Indians. The Pilgrims passed a law then that entitled disabled soldiers to assistance from the Colony.

Actually, it’s the events throughout history have shaped the VA home loan program. Established in 1930, the Veterans Administration’s mission was to care for America’s veterans. The first VA administrator was Brigadier General, Frank T. Hines. Since its inception, the VA has undergone dramatic changes, even changed its name (now called the U.S. Department of Veterans Affairs), but the mission remains the same.

Following World War II, some 16 million veterans came home, and the VA experienced significant growth. Veterans’ benefits were in high demand. The GI Bill was passed along with education and housing benefits. In 1944, the VA Home Loan Guaranty program began. It was the original Servicemen’s Readjustment Act that was passed by the United States Congress that contained the first VA Loan laws as well as a variety of other veterans’ benefits.

VA Loans were established to help veterans become homeowners after the war. As a consequence of serving in war, returning military personnel had missed opportunities to build credit and establish themselves in the economic chain. Without a means to purchase homes, millions of America’s war veterans were trying to make post-war readjustments and facing serious sociological impacts in the process. The VA loan guaranty program was government’s way of getting veterans up to speed with their civilian counterparts.

The original VA loan guaranty program included a maximum amount of guaranty that was limited to 50% of the loan, and not to exceed $2,000. Loan durations were no more than 20 years, and the maximum interest rate was 4%.

Naturally, inflation set in and adjustments needed to be made. The maximum amount of guaranty increased to 60% of the amount of the loan in 1950. And, the guaranty was not to exceed $7,500. The maximum duration of VA loans was lengthened to 30 years. At this time, the VA funding fee was established and required for certain veterans. Un-remarried spouses widowed as a result of a veteran’s service or as a result of service-connected injury or disease contracted while serving were extended the same VA loan entitlements as veterans. Also, protection against loss of home was established for veterans.

More wars and fluctuating economy continued to influence the evolution of VA Loans. The Korean conflict, Vietnam War, Cold War, Gulf War, the War in Afghanistan, the War in Iraq, inflation and recession have all played a hand. Each war and conflict added to the number of veterans eligible for VA mortgages. Inflation and fluctuating real estate markets also had significant affects on the maximum loan guaranty amounts, loan fees, and kinds of housing considered eligible for the VA home loan program. U.S. economic recessions and booms helped determine VA loan interest rates as well as maximum guaranty amounts per county. The VA Loan Guaranty program adopted county-specific “loan limit” guidelines that allowed for higher limits in places where the cost of living was higher.

It is the belief of many that VA loans are funded by the federal government. However, the government does not make direct VA Loans. Rather, the federal government guarantees a portion of each VA loan made by VA-approved lenders such as banks and mortgage companies. VA eligible borrowers apply for VA loans just like anyone else would apply for a non-military mortgage. VA approved appraisers then determine reasonable value of properties considered for VA loans and, if satisfied with the risk, the VA guarantees the lenders against loss of principal in case of default.

The President signed the Veteran’s Housing Act of 1970 into law on October 23, 1970. Because many important changes were made that greatly improved VA Loans, the new law proved to be a program milestone. There were seven significant changes included in the 1970 law. First, it authorized a manufactured home loan program. Second, it authorized direct loans for veterans qualified for Specially Adapted Housing Grants regardless of location. Third, the law eliminated the deadline for VA eligibility. Fourth, the law eliminated the funding fee for post-Korean War veterans. Fifth, it authorized loans on condominium units. Sixth, it authorized refinance of loans for condominiums. Finally, it removed the delimiting dates on veterans’ entitlement.

The final change had the most profound effect of all. As a result of the delimitation of dates, expired unused home loan benefits of nearly 9 million World War II and Korean conflict veterans were restored. This meant that the entitlement of every eligible veteran remained available until used.

The Veterans Administration continued to grow and vast numbers of American veterans qualified for VA Loan entitlements. Due to tremendous growth, President Reagan signed legislation on October 25, 1988 to create a new federal Cabinet-level Department of Veterans Affairs to replace the old Veterans Administration.

In 2009, VA mortgages continue to thrive despite recession in the previous year. The VA is now has 270,000 employees. General Eric Shinseki, a Vietnam veteran and highest-ranking Asian-American in the military, is head of the department – nominated in December 2008 by then President-elect Barack Obama. Shinseki is the first VA Administrator of Japanese descent. Today, the maximum loan amount the VA will guaranty is $417,000 – decades apart from its original $2,000.Visit Here http://credit-cash-loan.blogspot.com