₦airaland Forum

Defining a Usable Site

A usable site will:
Help users achieve a goal, usually to find something, such
as information, or obtain something, such as a book.
Make it easy for them to achieve that goal
Make it possible to achieve the goal quickly
Make achieving that goal a pleasant experience
A site will be generally usable if:
The content is good and relevant
The content is easy to find
The content can be found quickly
The page is pleasant to look at and cleanly designed


Good Content is Critical
A site with good content, regardless of its subject, is one that
provides products or information that is useful or beneficial to users. A
good usable site will make it clear what information or content is
available and at what price AND what is not available. A good usable
site should define clearly all subscription packages offered.

Ease of Access to Information
Good navigation, precise location indicators, secondary
navigation, clear linked text and a well-organized structure all
contribute to making information easy to find for a wide range of
different users.
Bearing in mind that many users are inexperienced, it may be
necessary to include explanations of things you consider selfexplanatory.
For example, an inexperienced user may need an
explanation of how to use a drop down menu. Remember, make it as
easy as possible for people to use your website.

Quick Access to Information
This is the aim of the majority of web users. It can be broken into
two important aspects:
Speed of Page Loading
This requires, in particular, attention to images to ensure they are
properly optimized and do not excessively delay load time. It may also
mean breaking up long articles and ensuring that important content is
at the top of the page where it will load first.


Speed of Access to Content
This is where the 3-click rule comes in - no important content
should be more than 3 clicks from the home page. Some standards
even say that it should be no more than two clicks.
One helpful way to speed access to content is to consider each
type of user, select the content that they are most likely to be
interested in and create links from the home page to one piece of
content for each group. This will get them quickly to the appropriate
part of the site.

Cleanly Designed Pages
Cleanly designed pages are pleasant to look at and easy to read.
It is almost impossible to make a site with an image shown as a tiled
background usable - the whole thing is too distracting and confusing.
It takes no great design skills to create clean pages; it just requires
thought and adherence to the principle that when it comes to design,
less usually is more.

Download Status

Most paid membership websites are limited to online access and
information download rather than selling products. There should be
clear download instructions provided. Your website should also state
the size of the file in kilobytes and the estimated time of download for
a user having a 56K modem, DSL, Cable and so on.

Usability Problems
While for large commercial sites investment in full-scale usability
studies may be essential, few small sites can afford such luxuries.
However, identifying problems with usability for your site need be
no more complicated than asking a few (honest) friends to act as
guinea pigs on your site and, if possible, watching them silently as
they do this. Watching users try to find information at your site can be
both instructive and quite surprising.

Remember that if at any stage you feel the urge to intervene and
explain, then you have identified a usability problem.
List of the Most Common Usability Problems
The site does not state its purpose clearly
Java applets, huge images, banner ads or flashy elements
slow down loading; 10 seconds is about as long as the
average user will wait for a page.

The site requires specific software to be used. Have you
ever actually changed browsers or downloaded a piece of
software just to see a site?
Poor navigation, too little navigation, too much navigation
and, not uncommonly, no navigation at all
Bad design leading to poor readability
Discomfort due to ugly design or inconsistent design. Almost
always because a designer overestimated their skills.
Irrelevance of content - for example the business site that
includes biographies and photos of each of the board
members. Happy egos on the board; bored website visitors!
Complexity or excessive originality of design, which requires
users to learn how it works in order to use it.
Inaccessibility because the site cannot be used by browsers
for people with disabilities.

Defining a Usable Site

A usable site will:
Help users achieve a goal, usually to find something, such
as information, or obtain something, such as a book.
Make it easy for them to achieve that goal
Make it possible to achieve the goal quickly
Make achieving that goal a pleasant experience
A site will be generally usable if:
The content is good and relevant
The content is easy to find
The content can be found quickly
The page is pleasant to look at and cleanly designed


Good Content is Critical
A site with good content, regardless of its subject, is one that
provides products or information that is useful or beneficial to users. A
good usable site will make it clear what information or content is
available and at what price AND what is not available. A good usable
site should define clearly all subscription packages offered.

Ease of Access to Information
Good navigation, precise location indicators, secondary
navigation, clear linked text and a well-organized structure all
contribute to making information easy to find for a wide range of
different users.
Bearing in mind that many users are inexperienced, it may be
necessary to include explanations of things you consider selfexplanatory.
For example, an inexperienced user may need an
explanation of how to use a drop down menu. Remember, make it as
easy as possible for people to use your website.

Quick Access to Information
This is the aim of the majority of web users. It can be broken into
two important aspects:
Speed of Page Loading
This requires, in particular, attention to images to ensure they are
properly optimized and do not excessively delay load time. It may also
mean breaking up long articles and ensuring that important content is
at the top of the page where it will load first.


Speed of Access to Content
This is where the 3-click rule comes in - no important content
should be more than 3 clicks from the home page. Some standards
even say that it should be no more than two clicks.
One helpful way to speed access to content is to consider each
type of user, select the content that they are most likely to be
interested in and create links from the home page to one piece of
content for each group. This will get them quickly to the appropriate
part of the site.

Cleanly Designed Pages
Cleanly designed pages are pleasant to look at and easy to read.
It is almost impossible to make a site with an image shown as a tiled
background usable - the whole thing is too distracting and confusing.
It takes no great design skills to create clean pages; it just requires
thought and adherence to the principle that when it comes to design,
less usually is more.

Download Status

Most paid membership websites are limited to online access and
information download rather than selling products. There should be
clear download instructions provided. Your website should also state
the size of the file in kilobytes and the estimated time of download for
a user having a 56K modem, DSL, Cable and so on.

Usability Problems
While for large commercial sites investment in full-scale usability
studies may be essential, few small sites can afford such luxuries.
However, identifying problems with usability for your site need be
no more complicated than asking a few (honest) friends to act as
guinea pigs on your site and, if possible, watching them silently as
they do this. Watching users try to find information at your site can be
both instructive and quite surprising.

Remember that if at any stage you feel the urge to intervene and
explain, then you have identified a usability problem.
List of the Most Common Usability Problems
The site does not state its purpose clearly
Java applets, huge images, banner ads or flashy elements
slow down loading; 10 seconds is about as long as the
average user will wait for a page.

The site requires specific software to be used. Have you
ever actually changed browsers or downloaded a piece of
software just to see a site?
Poor navigation, too little navigation, too much navigation
and, not uncommonly, no navigation at all
Bad design leading to poor readability
Discomfort due to ugly design or inconsistent design. Almost
always because a designer overestimated their skills.
Irrelevance of content - for example the business site that
includes biographies and photos of each of the board
members. Happy egos on the board; bored website visitors!
Complexity or excessive originality of design, which requires
users to learn how it works in order to use it.
Inaccessibility because the site cannot be used by browsers
for people with disabilities.


Click HERE for more e-marketing info.

Navigation

The aim of a website's navigation is simply to allow users to get to
the content they require. For sites that have a large number of
sections and web pages (and information sites can be one of these)
the navigation plan has to be properly researched and designed. You
have to consider different types of visitors and simulate the most
common steps they would take to find what they want on your site,
and the navigation plan has to optimize this movement. For example,
the steps required from searching a catalog of items, selecting from
the catalog, adding them to a shopping cart, proceeding to check out,
to entering the payment particulars is a specific sequence that should
be facilitated by the navigation system. If the sequence is haphazard,
it could lead to frustration or the user may miss an important step and
you would have an aborted sale.

To find their way about, users need to know two things:
- Where they are now
- How to go elsewhere

Navigation does not exist in isolation; good site organization is a
prerequisite for a coherent navigation system.
Objectives of a Navigation System
Navigation can be broken into two primary types: Location
Indicators and Navigation Controls.

Location Indicators
Location indicators let users know where they are in the site at
the moment. You need to keep in mind that users coming from outside
your site can enter at any page, not necessarily on a main page. They
need to be able to orientate themselves quickly.
Equally, it is important that users navigating around your site
have a clear idea of where they are both in absolute terms and in
relation to other content.
Location information should appear on every page of the site, in
the same place and in the same style. Location indicators should tell
the user precisely where they are and this should be clear even to a
user who has entered the site at an internal page. The location
indicator should be identifiable for what it is and make sense in the
context of other navigation.

In simple sites a page banner - text or graphic - naming the page
will be sufficient. For this to work the page name should also appear in
the main navigation so that it is relevant within the overall structure of
the site.
Color can be used. For example a different color background,
contrast color or sidebar in each part of the site. To be really effective
the color change should be reflected in the navigation.
Using “breadcrumbs” on every page is a good idea. Breadcrumbs
show you a series of hierarchical links that you have used to go from
page to page within a section. Using breadcrumbs is like leaving a trail
of the path you have followed. The breadcrumbs appear at the top of
the content section, just below the main navigation template. Each
element in the breadcrumb is a link to that section or subsection. This
helps in avoiding a series of back buttons allowing the user to directly
go back to the main section page or another sub section. More
importantly, it always shows the context of the page that is being
viewed and how it belongs to a section or sub-section.

Navigation Controls
Navigation controls are the main navigation links; they allow
users to move around the site. Whether they comprise images or text
they should be predictably located in the same place, and with the
same appearance, on each page.

These have several purposes
To allow users to move about within the site
To tell users what information is available at the link
To work with location indicators to orientate users
A good navigation control:
Is clear: it looks like navigation
- 29 -
Leads to obvious content - users have a good idea what
they will find if they click
Is consistent with other navigation controls
Is predictable in its style and location on the page
There is no mystery to usability. It simply involves creating a site,
which is accessible to the majority of people, is easy to use and get
around and delivers on its promises. You can have a site that meets
the most important standards of usability by planning it well and
always keeping the end user in mind. Remember that websites should
not be designed for their owners - they should be designed for their
users.
Problems with usability could be said to stem from just two
sources: the site itself and the user. In fact, the site is always at fault
if a visitor (however experienced or inexperienced) has problems
navigating, getting information or understanding the site.
While websites have become far more complex, web users have
become less experienced because more and more new people go
online every day. It is a mistake to think that the majority of users will
be web or even computer savvy and will understand subtle clues about
content. Many won’t, so make your site as easy to use as possible.


Click HERE for more e-marketing info.

Getting Started

The first step towards creating an online
business is building a website. Now, that isn’t as
complicated as it sounds. When I built my first
website, I thought Java was a type of coffee and
HTML the name of a robot in Star Wars. That’s why I didn’t do it. I
paid someone else to do it for me. It cost me just a few hundred
bucks, but I earned it back soon enough. This chapter discusses how
to begin the process of creating your first website, and where you can
find someone to build your site if you don’t want to do it yourself.

1.1 Making Your Website Attractive, Interesting, Engaging and Interactive

To succeed at your online business (whether you are selling your
own product/service or are selling for other merchants as an affiliate),
you need a website created just for that - a simple, focused site. Your
website should be easy to build, maintenance-free, low cost, credible,
and a powerful traffic-builder and customer-converter.
Having the right tool and the right product alone won’t ensure the
success of your website. There are many factors to be considered
while designing a site. Unfortunately, most of these are often ignored
by Internet business owners.
- 23 -
Build It for Speed - It's a fact of modern life - people are in
a hurry. This means that you have between 10 and 30
seconds to capture your potential customer's attention. To
minimize your load time, keep graphics small. Compress
them where possible. Use flashy technology (JavaScript,
Flash, Streaming Audio/Video, animation) sparingly and
only if it is important to your presentation.

Target your Market - Know who your market is and make
certain that your site caters to their needs. It is critical that
your site reflect the values of your potential customers. Is
your market mostly business professionals? If so, the site
must be clean and professional. Is your product aimed
mostly a teenagers and young adults? Then your site could
be more informal and relaxed. The key here is to know your
market and build the site to their preferences.

Focus the Site - Make certain your website is focused on a
primary goal: selling your product or service. A site offering
many unrelated products is not necessarily unfocused, but
this is often the case. If your business does offer many
products, dedicate a unique page for each instead of trying
to sell them all from one page.
- 24 -
Credibility Is Crucial - The most professionally designed
website won't sell if your customers don't believe in you. A
clear privacy statement is one way to build your credibility.
Provide a prominent link to your privacy statement from
every page on the site as well as from any location that you
are asking your visitors for personal information. Provide
legitimate contact information online.

Navigation should be simple - Make site navigation easy and
intuitive. Simple and smooth navigation adds to the
convenience of the visitors. Add powerful search and catalog
features. Visitors usually don’t have the patience to navigate
through the whole website to find what they are looking for.
Consistency is the key - Make sure the site is consistent in
look, feel and design. Nothing is more jarring and disturbing
to a customer than feeling as if they have just gone to
another site. Keep colors and themes constant throughout
your website.
Make your website interactive and personalized – Add
feedback forms as well as email forms that allow your
prospective customers to ask you any questions they might
have pertaining to a product. Personalization of your
- 25 -
website is another key element that can build your visitor’s
trust and increase your sales. Personalization technology
provides you the analytic tools to facilitate cross-selling and
up-selling when the customer is buying online. It would give
you an idea of what products to cross-sell and up-sell. For
example, when a person buys a CD player, a disc cleaner
can also be offered.
Content is King - Good content sells a product. Ask yourself
the following questions. Does your copy convey the
message you wish to get across to your visitors? Is it
compelling? Does it lead your visitor through the sales
process? Have others review, critique and edit your copy to
insure it is delivering the intended message. Always double
check your spelling and grammar.


Click HERE for more e-marketing info.

The Eternal, Changing Business Plan


Of course, it’s communication that’s the key. The more people you
can bring to your websites the more money you’re going to make.
You can have the greatest products in the world sold on the most
beautifully designed website online, but if no-one knows where it is,
you’re just going to be wasting the twenty bucks or so that you’re
spending each month for your website hosting service.
There are a dozen different ways to bring people to your website.
This book will discuss the ones that are most effective. I’m sure there
are other ways too. I’m sure you’ll find people who will tell you that
this site is great or that method gave them results. Maybe they’re
right, and you’re welcome to try them. What I can tell you is that I’ve
tried a lot of different marketing techniques and this book will reveal
all the ones that work best for me and should work for you too.
That doesn’t necessarily mean that they will work for you. If
there’s one piece of advice regarding online marketing that you learn
from this book, it’s that marketing has to be flexible. Like I said, I tried
dozens of different methods. If I hadn’t kept a constant watch on how
- 20 -
those methods were working, if I hadn’t dropped those that weren’t
worth the effort and repeated my success with those that brought in
cash, I’d still be making sandwiches and washing dishes for a living.
I’ll tell you about the methods that I found consistently effective.
If they don’t work for your product, give it a little time then switch the
methods around. Remember, flexibility is the key.
In the first chapter of this book, I’m going to explain exactly what
you have to do to build a website from selecting a host to creating the
design. Once you’ve got your site up, you have to bring traffic, and
that’s what we’ll discuss next. I’ll reveal the secrets of successful
search engine optimization, how to buy advertising that pays, and how
to make the most of the millions of affiliate programs that will pay real
dollars for your website visitors you’ve never met and never will.
I’ll also examine the various kinds of products you can create and
sell online, and finally, I’ll show you how to put everything together to
create a truly integrated business system that brings in real cash, hour
after hour, day after day!
Making a fortune online is easy if you know what you’re doing.
Read this book and apply the information within. I know it can work
for you because it works for me. Whether you choose to succeed or
not using the information revealed in this book, is entirely up to you.



Click HERE for more e-marketing info.

The Right Product Sells Itself

In fact, for some of my websites, my customers are my goods.
When you join an affiliate program, you buy traffic from other sites
and pass them onto your partners for a profit. In this book you’ll learn
all about affiliate programs. I’ll show you how to build them, how to
select your partners and how to turn your traffic into cash.
But traffic is just one kind of product on the web. Information
products are some of the greatest money-makers currently churning
up dollars on the Net. And anyone can create an information product.
Imagine you know how to build a bookcase from scratch. That
already makes you a lot more knowledgeable than me. The only thing
I know about wood is that it looks great in my fireplace! Maybe one
person in a thousand will want to know how to build the kind of
bookcase you know how to build. If you’re not a well-known carpenter,
no publishing company is going to touch you. It’s just not worth the
effort. On the Internet, one person in a thousand gives you a potential
market of approximately 340,000 customers (and that number is
growing all the time). If you write a book and sell it online for just $10
per copy you could make as much as $3,400,000. All you have to do is
tell people what you know and tell them it’s out there. And that costs
next to nothing. Information sells like crazy online. In fact, I sell a $47
ebook all day long. The profits from that single ebook could provide a
comfortable living for me and my family all by itself. But who wants to
stop at one profit stream when you can create multiple streams of
automated income on the Internet? Not me.


Click HERE for more e-marketing info.

The Internet ? Your Business Tool

In effect, my system for making money online is built on three
foundations: the Internet, marketing and the product.
In this book, we are going to look closely at each one of those. In
particular, we?ll spend a lot of time talking about marketing because
that is really how you make money online.
Let?s begin by taking a quick glance at why the Internet is the
greatest business opportunity since the railroad.
The Internet actually started in 1969 as the ARPANET, a Defense
Department system designed to let survivors share files after a nuclear
attack. From a handful of top secret computers, it?s grown to fill more
than 10 million hosts and millions of domain names.
And it?s still growing. According to a recent survey, the volume of
Internet traffic is expected to double annually over the next five years.
- 17 -
Consumers are expected to account for 60 percent of all Internet
traffic over that period with the rest of the market made up of
business users.
What does that mean for you?
It means customers ? millions of them.
No other business tool can put the products you sell to so many
people so easily. Nothing even comes close.
We?re talking about a potential market of hundreds of millions of
people around the world who can buy your products 24 hours a day,
365 days a year. If you opened a store in your city, how many people
would walk past your window each month? If you live in Manhattan,
maybe a few thousand. If you live in Los Olivos, California, maybe a
few hundred. On the Internet, there?s virtually no limit to the number
of people you can bring through your store front wherever you live.
That?s the power of the Internet. That?s why my online business is
bringing in thousands of dollars every day. I attract a lot of customers
for my service and I sell a lot of goods.


Click HERE for more e-marketing info.

Before you even turn on your computer, the first question you
have to ask yourself is whether you’re cut out for this kind of work.
The fact is, building a home-based business isn’t for everyone.
Some people like the commute. They really do enjoy having a boss
who tells them what to do, and they like the routine of working nineto-
five for an ordinary salary that can barely pay the mortgage.
Personally, I think they’re nuts.
More reasonably, there are people who are concerned about the
risk of starting up their own business. They’re not sure it’s worth the
investment of time and money, and they’re scared of the responsibility
that comes with running their own company. They wonder if there is
another way to escape the rat race.
I’m sure there is. You could win the lottery or wait for your Aunt
Sue to keel over and leave you her condo. Or maybe you could sit
down with a pen and paper and draw the blueprint for The Next Big
Thing. Anything can happen…
For me, what happened was creating a successful, self-running
Internet marketing system. It didn’t happen without effort. It didn’t
happen without at least some initial investment of both time and
- 16 -
money. Of course, it doesn’t happen now without me making sure that
the taxes are filed and the paperwork is done. But it happened. I’m my
own boss. I work from home according to my own schedule and I get
to pocket all the cash my business makes. If you’re prepared to give
an e-business the time, the work and the money it needs to get
started and get growing, it can happen for you too.

Click HERE for more e-marketing info.

Note pls,

The use of a proxy site to access paypal is 100% risky. This has accounted to the banning of many paypal accounts.

Paypal has a very strong software that detects the real IP of account holders now. This makes it risky accessing ones paypal via a proxy.

The only remedy now to this is to download a permanent IP changer like www.ultrasurf.com, www.hotspotshield.com/launch via download websites to your PC.

This softwares changes ones Nigerian IP to either USA or Canada.

Once this is done, it will now be safe to access paypal via these IP changers.

Hello Forumites,

I have just discovered a better way as a second option on how to open and verify your PayPal accout in just 3hrs.

So open your eyes wide, widely enough that you will read this carefully and follow the instructions in here:
                                [center]HOW TO OPEN A PAYPAL ACCOUNT AND VERIFY IT IN 3HRS[/center]
PREEQUISITES
(1)  An email: A free email like yahoo email is okay.

(2)  A liberty reserve account: you can open that by going to www.libertyreserve.com , it is free and easy to open, they allow all country.

(3)  Load your liberty reserve account with around $10, You can also fund your account by visiting a reliable and fast exchanger like: www.5050epay.com

PREAMBLE

We are going to use a non ? European address and non- European Victual Visa Card in the registration and verification of the paypal account. We get any non- European address that paypal accepted the country and also get a non ? European virtual card from www.Virtual?cc.com

Go to www.virtual-cc.com, click on the card for paypal verification and then choose non-European card


     Type the amount of unit you want to buy and put your email, This is the email they are going to send the detail of your card, click on calculate price.

Then you click the link to buy the card through Liberty reserve, follow the process of paying through the liberty reserve, the card presently is $7.50, so your liberty reserve account will be charged with $7.50.

?     In about an hour the card detail will be sent to your email, you have to use this card within 24hrs.

?     Get a non ? European address, look for a non-European address of a country that paypal accepts and use it in your registration with paypal.

?     Go to www.google.com type the yellow page of a non-European country that paypal accepts e.g. china yellow page.

?     A list of links from google comes up, choose a link that has to do with addresses of businesses.

?     It will now demand that you should put the category of business address you are looking for, just type computer stores or Beauty salons etc, to give us addresses of these businesses.

?     Use the detail address of any of the addresses that comes up in your registration with paypal.

?     You can use any of the address below, just change the number of the address so that it will not be completely identical will another person.



     Address :    248 Xizang Zhong Road

      City :  Shanghai

       Zip Code  :   200001

        State   :  Shanghai

        Country   :  CHINA

        Phone : +86 21 6122 8888



       Address  :  62 Fuxi Street

      City :  Taiyuan

        Zip Code  :   030002

        State   :  Shanxi

        Country   :  CHINA

         Phone : +86 351 868 9292

Address:166 ellis avenue apt 203

city:Irvington

Zip code: 07111

State: New jersey

Country:USA

Phone: 203-274-2744




After the detail of the visa credit card has arrived in your email go to www.paypal.com to start your registration.


     Never do anything with paypal with an IP of a country that paypal does not accept, so you have to use a proxy site or anonymizer to hide your IP, you can use www.ninjacloak.com, www.skweezer.com, www.vtunnel.com .

?     In the search box given, type www.paypal.com and click search or enter on your keyboard.

?     When you get to paypal site, click on signup

?     Choose China for example as your country and choose premium as type of account and continue.

?     Fill the other detail, you can use your normal name, type the email and password you want to be using for your paypal account, use the address detail you have gotten above to fill the form, the number in the address is the post code, put the city and the state and then put China as the country of  citizenship. Fill every other part of the form and click sign up at the bottom.

?     When you finish this session don?t go further, go straight to your email and confirm your email before coming back to put your virtual card.



    You still need to do two things

1.     To confirm your email.

2.     To verify your account by adding a card.

?     You will need to hide your IP when you are accessing your email to confirm your paypal email because by clicking the link paypal sent to you, you will be re-directed to paypal website and if you don?t hide your IP when accessing your email, paypal will discover your real IP and limitation will be placed on your account.

?     So, first type www.ninjacloak.com , then in the search box type the website of your email like www.yahoomail.com and then enter your email, when you get to your email, click on the email sent to you by paypal, when you get to the email, click on confirm your email, it will demand for you password, put it and get your email confirmed.

?     Login into your paypal account and go ahead and click on the ?Link and confirm my Debit or Credit Card? to add the Visa Virtual card and get verified. Don?t forget to hide your IP.

?     Fill the form with the detail of the Card sent to your email.

?     Card Type:- Choose Visa

?     Card Number:- Add the card number

?     Card Verification Number: Add the CVV2 Number.

?     Check the ?Use this Address as billing address? To use the address you used in filling the form for your billing address.

?     Click on ? Add card?



?     Your card will be added to your account but it will be demanding for the 4 digit number. Go to www.virtual-cc.com, at the top of the site you will see Expuse Number, in the space there type your card number and the email you use when buying the card i.e the email they send the card detail to, and click on send request, you will be told that a notification when your Expuse Number is ready will be sent to your email.

?     Be checking your email, that notification will be sent under 30mins, after you seen the notification, go back to the site www.virtual-cc.com and re-type your card number and your email and click on send request and instantly you will see something like XXXX PAYPAL the XXXX represent the 4 digit number you are looking for which would be use for your final stage of verifying your account.

?     Go to www.paypal.com again and sign in with your email and password (Don?t forget to always go through a proxy e.g. www.ninjacloak.com).

?     Look for a link to supply your 4 digit number, click on it and add the 4 digit number gotten above.

?     Immediately you add it you will see that your account would have been verified.



IN SUMMARY

1.     Get email Address.

2.     Get a liberty reserve account & load it.

3.     Get a non-European virtual card with www.virtual-cc.com

4.     Get a Non ? European Address

5.     Fill a paypal premier account

6.     Confirm your email

7.     Add the virtual Card to your account

8.     Add the 4 digit number.

If all the pre-exquisite are available it doesn?t take more than 2hrs


For more information on this and other related infos click HERE

I want to show you how you can safely and securely open a click bank account right
here in Nigeria without any troubles .

Firstly for you to open a click bank account you must have a foreign address.
I will assume that you don't have someone abroad that you can rely on to give you his
address . The reason for a foreign address is because at the moment click bank does not accept
Nigerians

I want to introduce you to a service company called Graph Card. They offer a virtual
address. By virtual address that means by using their service they will give you a specific and
personalize U.S.A address.

I love this website a lot but unfortunately many Nigerians don't know about them. Infact
with your virtual address you can also receive foreign checks without having a Domiciliary
account.

So the first thing is to open a graph card account and register with them as a Nigerian.
Their website is www.graphcard.com . Registration is FREE. You either choose a personal or
reseller account.


Once you open your account you will see that graph card offers different services one of them
is:
Virtual Office, that means by applying for that service you will be given a
virtual address and that is the address that you will require to open your click
bank account!.

Graph card charges just $5 a month for a virtual address[less than N1,000]. You will need to
fund your graph card account first and when your account is funded, you can then generate
your virtual address instantly.


For you to fund graph card your graph card account you can VTN ,that is the company i use http://www.virtualterminalnetwork.com/Invite.asp?ID=7253

Once your account is funded in less than 10 seconds you will have your own virtual
address created instantly and like i said, it will be just for you. This is what graph card
addresses looks like:

LFR COMMUNICATIONS INC
P MB: 1212 , 8101 Sandy Spring Road
Suite 220, Laurel MD 20707
USA

All graph card address looks like that. The only way they will know it is yours is the PMB. The
addresses are always the same it is just the PMB that is different.
Once you have obtained your virtual address you will then go back to www.clickbank.com
and sign up.


When opening a click bank account you should note that click bank asks for payee name.
In the payee name box the name you put is: LFR COMMUNICATIONS INC. I will explain
later why you should do that but for now just put in the above name as the payee name and
then put the virtual address that graph card gave to you as the place you want your check to be
sent to.

The second part of the form, you can put in your real name. But not at the payee
information.

Once you do this simple step, in less than 8 minutes you will be able to open your own click
bank account right here in Nigeria without any problem.

Click --> "HERE TO LEARN HOW TO RECEIVE YOUR CLICK BANK CHECK IN NIGERIA VIA YOUR GTB ACCOUNT"



, We all Must succeed!

Many people think that in order to do business online
you need to have an expensive merchant account to
have the ability to take payments by credit card from
your customers. Nothing could be further from the
truth. Merchant accounts can be hard to get and the
monthly fees can really add up.

So what's an honest Internet Entrepreneur to do?

The answer for most is Paypal.com. It's easy to
set up an account, and fees are low and depend on
your monthly sales (for most it will be 2.9%
and .30 per transaction). You'll find most Net
users trust and use PayPal for their everyday
purchases, so they won't have a problem using
it on your website to purchase from you.

However, relying solely on PayPal.com for your
business can be risky. Should you ever lose
your PayPal account or you have it "frozen,"
your online income will come to a screeching halt.
You need a backup plan; another way to accept
payments -- or you'll have to close up shop.
This is the same thing as relying on one stream
of income. If you lose your job your only source
of revenue dries up as well. That's why multiple
streams are best to keep you in the green.

So who are some of the others? I thought
you'd never ask:

1) Bidpay: http://www.BidPay.com

This service is available only for those who buy
and sell at online auctions. Buyers use their
credit or debit card to make their purchases
from you and BidPay sends you a Western Union
Money Order or the payment is directly deposited
into your checking account if you live in the
U.S.



2) CCNow: http://CCNow.com

A shopping cart solution that also allows
you to take all major credit cards without
a merchant account. They pay you your earnings
twice a month and while your money is sitting
on account it earns 1.5% APR.


3) DigiBuy: http://www.DigiBuy.com

For those who sell software. Puts you in
control of pricing, order forms, and delivery
options. Pricing varies with two service levels
to choose from. Your earnings are paid to you
monthly minus their 13.9% per transaction fee
($3.00 minimum). Digibuy allows you to accept
payments by Visa, MasterCard, Amex,Discover or
Diners Club.

4) E-junkie : http://www.e-junkie.com/
E-junkie provides shopping cart and buy now buttons to let you sell downloads and tangible goods on your website,

eBay, MySpace, Google Base, CraigsList and other websites using PayPal Standard, PayPal Pro, Google Checkout,

Authorize.Net, TrialPay, ClickBank and 2CheckOut.

Ooops! You may have to click HERE for the rest and lots of goodies


Good luck!

I really have some other goodies to show us here but i will want InfoExpert to explain to us how one can make use of PayPal account while in naija without verifying it, So info guy pls ur attention is needed here.

E-business persons, both experts and newbies, must have a US address to conduct their online business successful. In times past, I have to pay heavy to get one. But now, you can get one by yourself. You don’t need anybody, I repeat, anybody to get your US address.
I want to introduce you to a service company called GraphCard. They offer a virtual
address. By virtual address that means by using their service they will give you a specific and personalize U.S.A address.

I love this website a lot but unfortunately many Nigerians don't know about them. Infact, with your virtual address you can also receive foreign checks without having a Domiciliary account.

So the first thing is to open a graph card account and register with them as a Nigerian.
Their website is www.graphcard.com . Registration is FREE. You either choose a personal or
reseller account.

Once you open your account you will see that graphcard offers different services of which one of them is Virtual Office and that means by applying for that service, you will be given a virtual address and that is the address that you will require to open your clickbank account!.

Graph card charges just $5 a month for a virtual address[less than N1,000]. You will need to fund your graph card account first and when your account is funded, you can then generate your virtual address instantly.

Once your account is funded in less than 10 seconds you will have your own virtual
address created instantly and like I said, it will be just for you. This is what graph card
addresses looks like:

LFR COMMUNICATIONS INC
No: 1212 , 8101 Sandy Spring Road
Suite 220, Laurel MD 20707
USA

All graph card address looks like that. The only way they will know it is yours is the No. The addresses are always the same it is just the No. that is different.

Once you have created your US Virtual address, then you are free to use it with sites like clickbank affiliate programs, online survey programs and so on. This sites send your paycheck to your graphcard virtual address and your graphcard would be funded according to the payment you received. But please note that, you have to use LFR Communications INC as your payee name so that Graphcard can cash your paycheck and fund you account accordingly.

visit: www.bizstuffs.com for more interesting infos

expatiate pls

What is the point in venturing into Internet business if you cannot make or receive payments? Every Internet marketer need a reliable online payment solution. And when you talk about a reliable online payment solution, the first one that readily comes to mind is Paypal. Yes the same Paypal that you hear of all the time. This is arguably the best and most reliable online payment solution that has been embraced by majority in the Internet business community. And since this is the case, to be successful in your Internet business, you must align your Internet business style with the status quo.

Before now, owning a Paypal account has been something unclear as our dear country Nigeria is not on the list of countries allowed to own and operate Paypal account. And this is partly responsible for our inability to leverage the enormous power of Internet marketing in Nigeria in my own opinion.

Truth is you can actually open a normal Paypal account in Nigeria, but you will not be able to verify such account. And without a verified account, you will not be able to make or receive payment with your Paypal account. So many Nigerians whom has gotten this secret prefers not to give it out their fellow citizens without money, but i have decided to let it go FREELY cause it cost me nothing to get it. So the crux of this article is to show you how to open as well as verify your Paypal account so that you can tap into the endless Internet business opportunities.

What does getting verified means?

To be verified means that you have successfully linked a confirmed US account to your Paypal account or that you have been approved for a Paypal Plus Credit Card or Buyer Credit Card.

It helps confirm your identity and increases the overall security of Paypal system.

Getting verified offers you many personal benefits too which space will not permit me to describe in this article.

Step-by-step guide on how to open your own Paypal account from Nigeria

1) Go to www.paypal.com and then follow this link: [url=http://bizstuffs.com/index.php/topic,160.0.html]for the step-to-step guide[/url]


good luck!

You can also check out www.bizstuffs.com provided you follow the website's Rules while advertising

THE INVESTMENT GOSPEL

Introduction

Have you ever wondered how the rich got their wealth and then kept it growing? Do you dream of retiring early (or of being able to retire at all)? Do you know that you should invest, but don't know where to start?

If you answered "yes" to any of the above questions, you've come to the right place. In this tutorial we will cover the practice of investing from the ground up. The world of finance can be extremely intimidating, but we firmly believe that the stock market and greater financial world won't seem so complicated once you learn some of the lingo and major concepts.

We should emphasize, however, that investing isn't a get-rich-quick scheme. Taking control of your personal finances will take work, and, yes, there will be a learning curve. But the rewards will far outweigh the required effort. Contrary to popular belief, you don't have to allow banks, bosses or investment professionals to push your money in directions that you don't understand. After all, no one is in a better position than you are to know what is best for you and your money.

Regardless of your personality type, lifestyle or interests, the investment gospel will help you to understand what investing is, what it means and how time earns money through compounding. But it doesn't stop there. This book will also teach you about the building blocks of the investing world and the markets, give you some insight into techniques and strategies and help you think about which investing strategies suit you best. So do yourself a lifelong favor and keep reading.


What Is Investing?

It's actually pretty simple: investing means putting your money to work for you. Essentially, it's a different way to think about how to make money. Growing up, most of us were taught that you can earn an income only by getting a job and working. And that's exactly what most of us do. There's one big problem with this: if you want more money, you have to work more hours. However, there is a limit to how many hours a day we can work, not to mention the fact that having a bunch of money is no fun if we don't have the leisure time to enjoy it

You can't create a duplicate of yourself to increase your working time; so instead, you need to send an extension of yourself - your money - to work. That way, while you are putting in hours for your employer, or even mowing your lawn, sleeping, reading the paper or socializing with friends, you can also be earning money elsewhere. Quite simply, making your money work for you maximizes your earning potential whether or not you receive a raise, decide to work overtime or look for a higher-paying job.

There are many different ways you can go about making an investment. This includes putting money into stocks, bonds, mutual funds, or real estate (among many other things), or starting your own business. Sometimes people refer to these options as "investment vehicles," which is just another way of saying "a way to invest." Each of these vehicles has positives and negatives, which we'll discuss in a later section of this tutorial. The point is that it doesn't matter which method you choose for investing your money, the goal is always to put your money to work so it earns you an additional profit. Even though this is a simple idea, it's the most important concept for you to understand.

What Investing Is Not

Investing is not gambling. Gambling is putting money at risk by betting on an uncertain outcome with the hope that you might win money. Part of the confusion between investing and gambling, however, may come from the way some people use investment vehicles. For example, it could be argued that buying a stock based on a "hot tip" you heard at the water cooler is essentially the same as placing a bet at a casino; most so called Nigerian investors today are simply gamblers because they love throwing their money at any little money making opportunity with proper knowledge of that business they are jumping into.

True investing doesn't happen without some action on your part. A "real" investor does not simply throw his or her money at any random investment; he or she performs thorough analysis and commits capital only when there is a reasonable expectation of profit. Yes, there still is risk, and there are no guarantees, but investing is more than simply hoping Lady Luck is on your side.

Why Bother Investing?

Obviously, everybody wants more money. It's pretty easy to understand that people invest because they want to increase their personal freedom, sense of security and ability to afford the things they want in life.

However, investing is becoming more of a necessity. The days when everyone worked the same job for 30 years and then retired to a nice fat pension are gone. For average people, investing is not so much a helpful tool as the only way they can retire and maintain their present lifestyle.

Whether you live in the Nigeria, US., Canada, or pretty much any other country in the industrialized world, governments are tightening their belts. Almost without exception, the responsibility of planning for retirement is shifting away from the state and towards the individual. There is much debate over how safe our old-age pension programs will be over the next 20, 30 and 50 years. But why leave it to chance? By planning ahead you can ensure financial stability during your retirement. Now that you have a general idea of what investing is and why you should do it, it's time to learn about how investing lets you take advantage of one of the miracles of mathematics: compound interest.

What About Compounding?

Albert Einstein called compound interest "the greatest mathematical discovery of all time". We think this is true partly because, unlike the trigonometry or calculus you studied back in school, compounding can be applied to everyday life.

The wonder of compounding (sometimes called "compound interest" transforms your working money into a state-of-the-art, highly powerful income-generating tool. Compounding is the process of generating earnings on an asset's reinvested earnings. To work, it requires two things: the re-investment of earnings and time. The more time you give your investments, the more you are able to accelerate the income potential of your original investment, which takes the pressure off you.

To demonstrate, let's look at an example:

Let’s just say you started an investment with a start up capital of $10,000 today at 6%, you will have $10,600 in one year ($10,000 x 1.06). Now let's say that rather than withdraw the $600 gained from interest, you keep it in there for another year. If you continue to earn the same rate of 6%, your investment will grow to $11,236.00 ($10,600 x 1.06) by the end of the second year.

Because you reinvested that $600, it works together with the original investment, earning you $636, which is $36 more than the previous year. This little bit extra may seem like peanuts now, but let's not forget that you didn't have to lift a finger to earn that $36. More importantly, this $36 also has the capacity to earn interest. After the next year, your investment will be worth $11,910.16 ($11,236 x 1.06). This time you earned $674.16, which is $74.16 more interest than the first year. This increase in the amount made each year is compounding in action: interest earning interest on interest and so on. This will continue as long as you keep reinvesting and earning interest. (The above compound interest calculation could be done on any country’s currency, so don’t get confused by the dollar sign).

Starting Early

Consider two individuals, we'll name them Paul and Peter. Both Paul and Peter are the same age. When Paul was 25 he invested $15,000 at an interest rate of 5.5%. For simplicity, let's assume the interest rate was compounded annually. By the time Paul reaches 50, he will have $57,200.89 ($15,000 x [1.055^25]) in his bank account.

Paul's friend, Peter, did not start investing until he reached age 35. At that time, he invested $15,000 at the same interest rate of 5.5% compounded annually. By the time Peter reaches age 50, he will have $33,487.15 ($15,000 x [1.055^15]) in his bank account.

What happened? Both Paul and Peter are 50 years old, but Paul has $23,713.74 ($57,200.89 - $33,487.15) more in his savings account than Peter, even though he invested the same amount of money! By giving his investment more time to grow, Paul earned a total of $42,200.89 in interest and Peter earned only $18,487.15.

Note: For now, we will have to ask you to trust that these calculations are correct. In this column we concentrate on the results of compounding rather than the mathematics behind it.

Both Paul and Peter's earnings rates are demonstrated in the following chart:


You can see that both investments start to grow slowly and then accelerate, as reflected in the increase in the curves' steepness. Paul's line becomes steeper as he nears his 50s not simply because he has accumulated more interest, but because this accumulated interest is itself accruing more interest.


Paul's line gets even steeper (his rate of return increases) in another 10 years. At age 60 he would have nearly $100,000 in his bank account, while Peter would only have around $60,000, a $40,000 difference!

When you invest, always keep in mind that compounding amplifies the growth of your working money. Just like investing maximizes your earning potential, compounding maximizes the earning potential of your investments - but remember, because time and reinvesting make compounding work, you must keep your hands off the principal and earned interest; in other words, learn not to withdraw your investment capital and its return prematurely, no amount is too small for investing, so get started today.

Knowing Yourself.

Investors can learn a lot from the famous Greek maxim inscribed on the Temple of Apollo's Oracle at Delphi: "Know Thyself". In the context of investing, the wise words of the oracle emphasize that success depends on ensuring that your investment strategy fits your personal characteristics.

Even though all investors are trying to make money, each one comes from a diverse background and has different needs. It follows that specific investing vehicles and methods are suitable for certain types of investors. Although there are many factors that determine which path is optimal for an investor, we'll look at three main categories: investment objectives, and investing personality.

Investment Objectives

Generally speaking, investors have a few factors to consider when looking for the right place to park their money. Safety of capital, current income and capital appreciation are factors that should influence an investment decision and will depend on a person's age, stage/position in life and personal circumstances. A 75-year-old widow living off of her retirement portfolio is far more interested in preserving the value of investments than a 30-year-old business executive would be. Because the widow needs income from her investments to survive, she cannot risk losing her investment. The young executive, on the other hand, has time on his or her side. As investment income isn't currently paying the bills, the executive can afford to be more aggressive in his or her investing strategies.

An investor's financial position will also affect his or her objectives. A multi-millionaire is obviously going to have much different goals than a newly married couple just starting out. For example, the millionaire, in an effort to increase his profit for the year, might have no problem putting down $100,000 in a speculative real estate investment. To him, a hundred grand is a small percentage of his overall worth. Meanwhile, the couple is concentrating on saving up for a down payment on a house and can't afford to risk losing their money in a speculative venture. Regardless of the potential returns of a risky investment, speculation is just not appropriate for the young couple.

As a general rule, the shorter your time horizon, the more conservative you should be. For instance, if you are investing primarily for retirement and you are still in your 20s, you still have plenty of time to make up for any losses you might incur along the way. At the same time, if you start when you are young, you don't have to put huge chunks of your paycheck away every month because you have the power of compounding on your side.

On the other hand, if you are about to retire, it is very important that you either safeguard or increase the money you have accumulated. Because you will soon be accessing your investments, you don't want to expose all of your money to volatility - you don't want to risk losing your investment money in a market slump right before you need to start accessing your assets.

Personality

What's your style? Do you love fast cars, extreme sports and the thrill of a risk? Or do you prefer reading in your hammock while enjoying the calmness, stability and safety of your backyard?

Peter Lynch, one of the greatest investors of all time, has said that the "key organ for investing is the stomach, not the brain". In other words, you need to know how much volatility you can stand to see in your investments. Figuring this out for yourself is far from an exact science; but there is some truth to an old investing maxim: you've taken on too much risk when you can't sleep at night because you are worrying about your investments.

Another personality trait that will determine your investing path is your desire to research investments. Some people love nothing more than digging into financial statements and crunching numbers. To others, the terms balance sheet, income statement and stock analysis sound as exciting as watching paint dry. Others just might not have the time to plow through prospectuses and financial statements.

Putting It All Together: Your Risk Tolerance

By now it is probably clear to you that the main thing determining what works best for an investor is his or her capacity to take on risk.

I've mentioned some core factors that determine risk tolerance, but remember that every individual's situation is different and that what I've mentioned is far from a comprehensive list of the ways in which investors differ from one another. The important point of this section is that an investment is not the same to all people. Keep this in the back of your mind for upcoming sections of this tutorial.

Care to continue with the Part2, Part3,Part4 and many other investment tutorial? then join our investment community today at:

[center][img]http://bizstuffs.com/index.php?action=dlattach;topic=65.0;attach=7;image[/img][/center]

I give you Master Trader "My Mentor's" 22 Rules of Trading, many of which you can apply to all sorts of life situations, as well as the markets. Every day, My Mentor gets up at bout 2:30 AM and writes an information packed 4 page newsletter on the world markets, oil, currencies, commodities political happenings and much more. He is read by the major trading houses and traders all over the world, as they stumble bleary eyed into work, grabbing his Report to find out what happened as they slept a…, Click here to Continue

Hello everyone,

Trading Forex without proper knowledge of the FX market is unprofessional; it's the No.1 reason for trader’s failure in this business. For this reason, I as a proactive trader with great respect to risk management, an author of a Forex book (FOREXplus)and Investment book (The Investment Gospel) have decided to take today and 2morrow out to specially attend to beginners and already traders that lack the Fundamental, Technical and true Risk management know-how for better profit realization. This lecture will take you through the four-walls of the FX market…….Making you a true decision maker, true currency speculator, a true self signal generator and a real profit maker with great regards to managing the risks involve, Its gonna be more on question and answer stuff to enable me know what areas you are really lacking as a trader or intended trader.

It's gonna be an online stuff via my chat room.

opportunity comes but once they say, so seize this wonderful one and join me today and tomorrow evening as we learn together


Date: Sat. 27th & 28th DEC. 2008

Time: 7:30pm daily

Venue: http://www.bizstuffs.com/index.php?action=tpvchat

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