Get More Money From Your Investments

By Zoe Van Schyndel, CFA

When cash is king, dividend-paying companies have special appeal. Even in this shrinking economy, companies like Campbell Soup (NYSE: CPB) are finding ways to increase payouts.

One ETF actively seeks out stocks with long records of paying dividends; the State Street SPDR Dividend ETF (AMEX: SDY) may be interesting to investors in these turbulent times. Although the SPDR Dividend fund has not dodged the nearly 40% rout of the Dow Jones Industrial average completely, it has fared better than the overall market in the past year, turning in only a 29% decline.

Fund facts

Inception date: Nov. 8, 2005

Expense ratio: 0.35%

Net assets: $280 million

Fund specifics
The SPDR Dividend fund tracks the S&P High Yield Dividend Aristocrats Index, which is a select group of roughly 50 companies that have increased their dividends every year for at least 25 years. Investing in such long-term dividend-paying stocks should be less risky, as they are not prone to cutting their dividends. As you would expect, the fund carries a healthy dividend yield, which is currently at 5.5%.

Although dividends may carry more weight on the street these days, the fund's selections aren't giving up on the prospect of capital growth as well. Traditionally, financial companies have paid regular dividends, so it should come as no surprise that the fund has 40% of its assets in the financial sector -- well ahead of the roughly 20% allocated to utilities. Synovus Financial (NYSE: SNV), Associated Banc (Nasdaq: ASBC), and Comerica (NYSE: CMA) round out the top three holdings, while non-financial stocks include Gannett (NYSE: GCI) and Consolidated Edison (NYSE: ED).

Fund prospects and risks
As you can see, the SPDR Dividend fund has two fairly concentrated sector bets. Even though the fund requires a history of dividend payments for its investments, that doesn't guarantee that it will manage to avoid losses from high-yielding stocks that are in the process of running their businesses into the ground.

In particular, with discussion of possible tax hikes on dividend income if Democrats win the presidency, the election may well prompt a sell-off in these stocks. Yet with dividends prized as proof that a company can generate cash, it's hard to envision this as a severe risk. The fund has an established track record and a low expense ratio, along with a portfolio that does have at least some exposure to various sectors and stocks.

Portfolio fit?
For investors looking for a core portfolio holding, this fund should not be considered a proxy for a broadly diversified fund such as the Vanguard Extended Market Index ETF. However, the fund's portfolio of long-term dividend-paying companies has thus far protected an investor to some extent during the overall decline in the market. With capital gains a fleeting target these days, the stable payments that dividends provide could make this fund a delightful alternative to less cash-flow focused investments.

How to Transfer adsense account to my personal bank account

How do I sign up for Electronic Funds Transfer?

To sign up for Electronic Funds Transfer (EFT), you'll first need your bank account information, including your account number and, depending on your payment address, your branch number, routing number, or other identifying information. The sign-up wizard will list the required information and includes brief instructions on finding each item.

To sign up for EFT:

1. Sign in to your account at www.google.com/adsense
2. Click My Account
3. Click the edit link adjacent to the Payment Details header
4. In the Electronic Funds Transfer section, select the Add a new bank account radio button
5. Click Continue
6. Enter the requested bank account information. Your account page will provide details on what information is required - if you're unsure, please contact your bank to obtain this information. Click Save Changes
7. At this point, we'll begin the process of depositing a small test amount into the bank account you specified. Check your bank statements after 4-10 days to find a deposit. Depending on the country in which your bank is located, the deposit will be labeled as one of the following:
   • AFS RE GOOGLE
   • AFS RE GOOGLE ADSENSE
   • ARVATO FINANCE SERVICES LIMITED
   • BFS FINANCE LTD

Once you have the test deposit amount:

1. Click the My Account tab
2. In the Payment Details section, click Verify this account
3. In the box provided, enter the test deposit amount that you received in your bank account
4. Click Next. Once you have entered your test deposit verification amount correctly, your bank account will be approved and automatically selected as your form of payment

Please note that we are unable to guarantee payment for the next payment cycle in this form if your selection was made after the 15th of the month. For example, to ensure payment by EFT for your March earnings, please complete the steps above before April 15th.

Publishers: Three Easy Ways to Increase Ad Revenue

Three Easy Ways to Increase Ad Revenue

by Jennifer

If you’re a web publisher, chances are you could be earning more revenue on your web site. This week we encourage you to open your mind and your site to new options and maximize your users’ exposure to high-quality, high-yielding advertisements.

Here are three tips to get you started:

1. OPEN up to different ad formats
Instead of just text or banner ad placements, edit your AdBrite zones to include Full Page Ad and Inline ads. Both formats are easy to activate on existing zones and don’t take up any of your web page real estate.

Have you uploaded your own photos or videos to your site? If so, make sure you monetize them by allowing BritePic or InVideo ads. They keep the integrity of your uploaded content and allow you to integrate quality advertising.

2. OPEN up ad placements
Think of the big picture and invest the same amount of time into the look and feel of your web advertisements as you do your own content. Customize your ad zones so that the colors are the same or similar palate and maintain the visual identity of your ‘brand’. Color blind or lacking creative inspiration? Check out www.colourlovers.com for instant color-scheme building.

3. OPEN up new ad zones
Create multiple ad zones of varying sizes and placements on your web canvas to increase the likelihood of displaying more high-quality advertisements on your site. Premium brand advertisers leverage multiple ad sizes and campaign creatives to reach their audience – why cut your slice of the profit pie short? Imagine, for example, that I have a blog that posts networking and career-building tips for young professionals. If I have both a leader board and sky scraper zone for image ads on my front page, my 20- and 30-something subscribers are twice as likely to see the promotion for Verizon’s new blackberry device, or see the local GM dealership that sells the newest Chevy hybrid vehicle.

Increase Your Affiliate Income With A Few Simple Techniques

Increase Your Affiliate Income With A Few Simple Techniques By Jo Mark

Are you trying to increase your affiliate income? Many affiliate marketers could significantly improve their affiliate profits by using a couple of the tactics below.

Sell only products that are related to your niche. If your website is about exotic birds, most of your site visitors are probably interested in birds. Products having to do with breeding birds, birdhouses, making money with exotic birds, and buying exotic birds at a discount are all products that would do well. Most of your visitors would not be interested in music CD's, knitting products or cat supplies.

Place ads for the affiliate products that you are promoting on every page of your site. This is an important tactic to be a successful affiliate marketer. If your affiliate program offers free ads and banners, take advantage of them. If not, develop your own ads that match the look of your site. It's really easy to do.

Develop a list. This is vitally important to your future income. A good list can triple your income over the long term. If your affiliate merchant provides a free promotional report, offer it as a free bonus when people subscribe to your list. If not, develop your own free report. It doesn't have to be long, 5 to 10 pages is fine. Just make sure you include valuable information along with a number of ads and links to your site and affiliate products.

And finally: Market your list, market you site, and market you affiliate products. This is the probably the most tactic that can improve your affiliate income. With traffic, you have no business. You can use a number of different marketing techniques. Write articles, place free ads, place paid ads, use solo, ezine and classified ads, email, ppc and as many other different marketing techniques as you can think of. By using a diversified approach, you can determine which sources work best for you. Then focus on those methods that perform the best.

How To Make Money With Clickbank

How To Make Money With Clickbank By Sherman C

Clickbank is a network that connects both Sellers and Buyers. It is one of the easiest networks to make money with, both as a seller as well as an affiliate. If you have a book or digital information that you'd like to distribute, instead of going through a publisher, that would cost you a few thousand to publish , you can sell your product and how-to info through clickbank.

To be a successful affiliate takes a little practice. For someone dedicated to earn a living with Clickbank, it requires about 45 days for someone completely new to learn the ropes.

Here are a few things to look out for when working with Clickbank.

How to make money with clickbank tip #1: When selecting a product, be sure to choose one that pays you at least 50% commissions. Clickbank products payout anywhere from $12 to $28 to $99.

How to make money with clickbank tip #2: Clickbank products offer solutions for a range of problems. If you're good in golf, clickbank offers digital information on how to improve ones golf swing. There're also products that teach you how to use Google Adwords, or how to learn photoshop. By presenting the right products and helping the audience locate a Clickbank product to their problems, you can easily earn $900 to $1000 in your 1st 30 days.

How to make money with clickbank tip #3: Be sure to check a sales merchant's page for sales leaks. Some merchants have a mix of 2checkout as well as Clickbank merchant processor on their sales page. This is not good for you as an affiliate. Sales that occured by the other payment processor will result in a loss of commission for you.

Affiliate Marketing - How To Cloak Affiliate Links To Free Up More Cash For You

Affiliate Marketing - How To Cloak Affiliate Links To Free Up More Cash For You By Fabian Tan

Cloaking affiliate links allows you to 'protect' your links and prevent people from hijacking your affiliate commissions by bypassing your links and depriving you of the commissions you should get.

There are a number of ways to cloak affiliate links.

One of the easiest ways is to use a URL shortening service such as tinyurl or snipurl. These services shorten your long, ugly URL into something that is shorter in length and more attractive to click on. The other way is to add a folder to your web hosting service called 'likes' or 'recommends', and use a META refresh redirect to direct to your affiliate link.

Here is the code I use for this method:

<br /> &amp;lt;META HTTP-EQUIV="Refresh" CONTENT="0; URL=your affiliate link"&amp;gt;<br />

This is a super easy way to create an attractive link to click on and it also builds your brand if you put the folder under your own domain name so it would look something like yourname.com/recommends/affiliateproductname.html. That's just an example of how your link would look like.

If you use an autoresponder such as Aweber or Get Response to send our your emails, you can set click tracking on to cloak your affiliate links and track your hits as well. However, the problem with these links is that they are usually long and ugly, so it might pay off to use a service like tinyurl to do the job.

And there you have it; easy ways to cloak your affiliate links so you make more money and spend more time marketing your business and making more profits from less of your marketing expenses. Overall, you win.

2 Quick Ways to Make Money Online - Profit Lance Course

2 Quick Ways to Make Money Online - Profit Lance Course By Ashley Mcallister

Are you looking for some good ways to make quick money online? Well you will be happy to know that there are some lucrative ways on doing so and are pretty easy as well. The thing with an online business though is that you need to stay focused and dedicated in order to become successful.

There are many people that can read about all the different ways to make money online, but there are a lot of people that will fail in this business. It is not because the ways they read do not work, it's because they have a lack of motivation to even do the simple work. An online business does not take a long time to run everyday at all!

So, let's get started with a few ways that you can start making money from the internet.

Now, to start you will need a website or a blog. You don't have to worry about making it look gorgeous or anything because you will be surprised at how many ugly websites make sales. Your website should be about one topic and one topic only.

The way to make some sales from your website is by using affiliate products. You can use these products to sell that are made by other people in order to make a commission off of it. The owner gives us rights as affiliate to earn a commission from the sale of their product.

When you choose a product and get it all set up in your site, you will then need to start driving traffic and promoting it onto the web.

I can't stress enough how important the promotion of the website is. It can really make or break your business. Without people knowing your website exists you will never make a sale. There are many ways that you can promote your business.

Some of the ways are with article marketing, social bookmarking, forums, press releases and classified ads. All of the things I just listed are completely free to use. This is such a great business to be in because you don't have to invest in any of your money at all.

If you do not mind investing your money into the business then there is a quicker way to get traffic to your site and that is with Pay Per Click. You can buy an ad that will be placed on the side bars of Google. All you have to do is pay the minimum price that people are paying per click for certain keywords.