MONEY MARKET

The money market is the global financial market for short-term borrowing and lending. It provides short-term liquid funding for the global financial system. The money market is a sector of the capital market where short-term obligations such as Treasury bills, commercial paper and bankers' acceptances are bought and sold.

A money market consists of financial institutions and dealers in money or credit who wish to either borrow or lend. Participants borrow and lend for short periods of time, typically up to thirteen months. Money market trades in short term financial instrument commonly called "paper". This contrasts with the capital market for longer-term funding, which is supplied by bonds and equity.

Borrowers

The core money market consists of banks borrowing and lending to each other, using commercial paper, Repurchase agreements and similar instruments. These instruments are often benchmarked to LIBOR.

Finance companies, such as GMAC typically fund themselves by issuing large amounts of asset backed commercial paper which is secured by the pledge of eligible assets into an asset backed commercial paper conduit. Examples of eligible assets include auto loans, credit card receivables, residential/commercial mortgage loans, mortgage backed securities and similar financial assets. Certain large corporations with strong credit ratings, notably General Electric, issue commercial paper on their own credit. Other large corporations arrange for banks to issue commercial paper on their behalf via commercial paper lines.

Federal, State and local governments all issue paper to meet funding needs. States & local governments issue municipal paper, while the US Treasury issues Treasury bills to fund the US Public Debt.

• Trading companies often purchase bankers acceptances to be tendered for payment to overseas suppliers.
• Retail and Institutional Money Market Funds
• Banks
• Central Banks
• Cash management programs
• Arbitrage Asset backed commercial paper conduits, which seek to buy higher yielding paper, while themselves selling cheaper paper.

Trading takes place between banks in the "money centers" (London, New York, Tokyo and Greenwich)

from
http://en.wikipedia.org/wiki/Money_market

Secured loans

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan. The loan is thus secured against the collateral — in the event that the borrower defaults, the lender takes possession of the asset used as collateral and may sell it to regain the amount originally lent to the borrower.

As the loan is secured, the lender is relieved of most of the financial risks involved; he may thus offer attractive terms for the borrower on interest rates and repayment period.

One attractive type of secured loan that is normally only available at a bank or credit union is the savings secured loan. In this type of loan, the borrower must have a savings account with the lender. A portion of the money in this account is used as collateral to secure a loan equal to the amount pledged. This money is then frozen in the account but continues to earn interest. As the loan is repaid the secured portion of the savings account is freed. This has advantages for both the lender and the borrower. If the borrower defaults on the loan the collateral is already in the lender's possession so it is a very low risk. As a result, the lender usually offers a much lower interest rate. The disadvantage of this type of loan is that it is limited by the available fund in the savings account.

A mortgage loan is a secured loan in which the collateral is property, such as a home.

A nonrecourse loan is a secured loan where the collateral is the only security or claim the lender has against the borrower, and the lender has no further recourse against the borrower for any deficiency remaining after foreclosure against the property.

A foreclosure is legal process in which mortgaged property is sold to pay the loan of the defaulting borrower.

A repossession is a process in which property, such as a car, is taken back by the creditor when the borrower does not make payments due on the property. Depending on the jurisdiction, it may or may not require a court order

from:
http://en.wikipedia.org/wiki/Secured_loan

Forex Demo

Forex Demo

A forex (foreign exchange market) simulator is a software program that enables foreign currency exchange traders and students to expedite their learning and understanding of currency exchange. Unlike a live forex demo account that functions in real time, a forex simulator enables users to upload, view and review historical data at any given point in time. Used to confirm one's understanding of pattern recognition and trading signals, data can be rewound and fast forwarded to test and retest one's knowledge and understanding.

Online Trading

Online trading community

An online trading community exists to provide its members with a structured method for trading, bartering, or selling goods or services. These communities often have forums and chatrooms designed to facilitate communication between the members. These communities are sometimes described as the electronic equivalent of bazaars, flea markets, garage sales, and so on.

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about Adwords

from http://en.wikipedia.org/wiki/AdWords

AdWords is Google's flagship advertising product, and main source of revenue. AdWords offers pay-per-click (PPC) advertising, and site-targeted advertising for both text and banner ads. The AdWords program includes local, national, and international distribution. Google's text advertisements are short, consisting of one title line and two content text lines. Image ads can be one of several different Interactive Advertising Bureau (IAB) standard sizes.

Pay-Per-Click advertisements (PPC)

Advertisers specify the words that should trigger their ads and the maximum amount they are willing to pay per click. When a user searches Google's search engine on www.google.com, ads for relevant words are shown as "sponsored link" on the right side of the screen, and sometimes above the main search results.

The ordering of the paid listings depends on other advertisers' bids (pay for placement P4P) and the "quality score" of all ads shown for a given search. The quality score is calculated by historical click-through rates and the relevance of an advertiser's ad text, keyword, and landing page to the search, as determined by Google. The quality score is also used by Google to set the minimum bids for an advertiser's keywords.^[1]

The auction mechanism that determines the order of the ads has been called a "generalized second price" auction. It is a variation of the Vickrey auction.

Site targeted advertisements

In 2003 Google introduced site-targeted advertising. Using the AdWords control panel, advertisers can enter keywords of interest, and Google offers to place ads on what they claim are relevant sites within their content network. Advertisers then bid on a cost per mille (CPM) basis for placement. However, Google does not provide advertisers with a list of sites where their ads have been placed, and there is evidence that many of the "content network" sites are merely ad pages set up on parked domains. Advertisers can provide a list of sites where they do not wish their ads to appear, but cannot obtain a list of sites where their ads could or do appear.

AdWords distribution

All AdWords ads are eligible to be shown on www.google.com. Advertisers also have the option of enabling their ads to show on Google's partner networks. The "search network" includes AOL search, Ask.com, and Netscape. Like www.google.com, these search engines show AdWords ads in response to user searches.

The "content network" shows AdWords ads on sites that are not search engines. These content network sites are those that use AdSense, the other side of the Google advertising model. AdSense is used by publishers who wish to bring traffic to their websites. Click through rates on the content network are typically much lower than those on the search network and are therefore ignored when calculating an advertiser's quality score.

Google automatically determines the subject of pages and displays relevant ads based on the advertisers' keyword lists. AdSense publishers may select channels to help direct Google's ad placements on their pages, to better track performance of their ad units. There are many different types of ads you can run across Google's network, including text ads, image ads (banner ads), local business ads, mobile text ads, and in-page video ads.

Google AdWords' main competitors are Yahoo! Search Marketing and Microsoft adCenter.

Click-to-Call

Google Click-to-Call is a service provided by Google which allows users to call advertisers from Google search results pages. Users enter their phone number, Google calls them back and connects to the advertiser. Calling charges are paid by Google.

History

The AdWords product was launched in 2000.^[2] At first advertisers would pay a monthly amount, and Google would set up and manage their campaign. To accommodate small businesses and those who wanted to manage their own campaigns, Google soon introduced the AdWords self-service portal. As of 2005, Google provides a campaign management service called Jumpstart ^[3] to assist advertisers in setting up their campaigns.

In 2005, Google launched a program to certify individuals and companies who have completed AdWords training and passed an exam. Due to the complexity of AdWords and the amount of money at stake, some advertisers hire a consultant to manage their campaigns.

Legal context

AdWords has generated lawsuits in the area of trademark law and click fraud. In 2006, Google settled a click fraud lawsuit for US$90 million. ^[4]

Overture Services, Inc. sued Google for patent infringement in April 2002 in relation to the AdWords service. Following Yahoo!'s acquisition of Overture, the suit was settled in 2004 with Google agreeing to issue 2.7 million shares of common stock to Yahoo! in exchange for a perpetual license under the patent. ^[5]

Technology

The AdWords system was initially implemented on top of the MySQL database engine. After the system had been launched, management decided to use a commercial database (Oracle) instead. As is typical of applications simultaneously written and tuned for one database, and ported to another, the system became much slower, so eventually it was returned to MySQL ([1])

Trading Tutorial

What should you do before doing Forex trading.

1. Prepare your computer.

At Home: Find the most suitable location
Do you want trading forex at your home? First of all you must find the best place to put your computer, use good and ergonomic desk and chair, use must enjoy sitting on the comfortable chair. If you can, find the place that far away from public area in your home, you can use separated room or on your own bedroom.

At Office: Check your office regulation
If you want trading forex at your office, you need to check your office regulation, because some of company do not allowed their employee doing other activity rather that office job, ask your Information System Manager, can you doing forex trading at your office computer during working hour? Or in lunch time only? 2005 - 2006 © Arisson Mercinova S.Kom.

2. Prepare your Internet connection.

Stable access
Online Forex Trading need stable and fast internet access, with dial-up internet access is enough but if you can find the faster internet access, find the internet service provider that can give fast and cheap internet access. And the most important is that internet access is not interrupted or disconnected often.

Calculate your expense and your income
Calculate your internet access fee, because in forex trading sometime you need to access hourly everyday to watching chart movement, you must get bigger income that your expense. Maybe in early training time you will get lot of expense before get big profit, so prepare your money.

3. Prepare you physic and mental.

You must have healthy body
In Online Forex Trading you must have healthy and fit body, because sometime you will need to trading until late in the middle of the night, because Forex Trading is full 24 hours daily, rounding on each country trading time zone.

Ready to get loss 2005 - 2006 © Arisson Mercinova S.Kom.
The most important is your mental, because in Forex Trading you can't always profit, sometime you will be loss, so prepare your mind and don't be angry and depressed. Be safe in playing Forex, don't be greedy and want to get big profit in fast time. Allocate little percentage of your deposit to get little profit, after several times you will get big profit.

Forex is not same as HYIP
If you usually playing HYIP before such as Autosurf, PTC, PTR etc, so you must understand Forex Trading is not same as HYIP, if on HYIP you can get money by allocated it on HYIP website and get profit instantly, then in Forex Trading you must manage your money by yourself, you must be practicing before become expert in Forex Trading, studying much of Forex Literature and article on many website, even you must buy some forex book to expand your skill.

Don't be easy to surrender
Maybe in training period you will get loss, even in a big amount of loss, but be patient there is just temporary, after practicing and learning from other forex trader you will become expert. So in your training period always use virtual money before using real money.

4. Expand your environment

Use Marketiva chatting facility
There is chatting facility on Marketiva Streamster Software, log in there and find you country chat room, do be afraid you will be assist by other expert trader, be active and ask anything you want to know.

Use Yahoo Messenger 2005 - 2006 © Arisson Mercinova S.Kom.
Yahoo Messenger or YM is the most popular Internet Messaging Service that commonly uses by Marketiva Traders, ask for their Yahoo ID and get chatting personally with them. If you want to know about Yahoo Messenger click on: http://messenger.yahoo.com

From :http://oeang.com

About AdSense Google

taken from wikipedia

AdSense is an ad serving program run by Google. Website owners can enroll in this program to enable text, image and, more recently, video advertisements on their sites. These ads are administered by Google and generate revenue on either a per-click or per-thousand-impressions basis. Google is also currently beta-testing a cost-per-action based service.

Google utilizes its search technology to serve ads based on website content, the user's geographical location, and other factors. Those wanting to advertise with Google's targeted ad system may sign up through AdWords. AdSense has become a popular method of placing advertising on a website because the ads are less intrusive than most banners, and the content of the ads is often relevant to the website.

It currently uses JavaScript code to incorporate the advertisements into a participating site. If it is included on a site which has not yet been crawled by the Mediabot, it will temporarily display advertisements for charitable causes known as public service announcements (PSAs). (Note that the Mediabot is a separate crawler from the Googlebot that maintains Google's search index.)

Many sites use AdSense to monetize their content and some webmasters work hard to maximize their own AdSense income. They do this in three ways:

They use a wide range of traffic generating techniques including but not limited to online advertising.
They build valuable content on their sites; content which attracts AdSense ads and which pay out the most when they get clicked.
They use copy on their websites that encourage clicks on ads. Note that Google prohibits people from using phrases like "Click on my AdSense ads" to increase click rates. Phrases accepted are "Sponsored Links" and "Advertisements".
The source of all AdSense income is the AdWords program which in turn has a complex pricing model based on a Vickrey second price auction, in that it commands an advertiser to submit a sealed bid (not observable by competitors). Additionally, for any given click received, advertisers only pay one bid increment above the second-highest bid.

Contents
1 History
2 AdSense for feeds
3 AdSense for search
4 How AdSense works
5 Abuse
6 Criticism
7 See also
8 References
9 External links



History
The underlying technology behind AdSense was derived originally from WordNet and Simpli, a company started by the founder of Wordnet — George A. Miller — and a number of Professors and graduate students from Brown University, including James A. Anderson, Jeff Stibel and Steve Reiss.[1] A variation of this technology utilizing Wordnet was developed by Oingo, a small search engine company based in Santa Monica founded in 1998. Oingo focused on semantic searches rather than brute force string searches.Oingo changed its name to Applied Semantics, which was then bought by Google for $102 million in April 2003, to replace a similar system being developed in house.


AdSense for feeds
In May 2005, Google unveiled AdSense for feeds, a version of AdSense that runs on RSS and Atom feeds that have more than 100 active subscribers. According to the Official Google Blog, "advertisers have their ads placed in the most appropriate feed articles; publishers are paid for their original content; readers see relevant advertising — and in the long run, more quality feeds to choose from".

AdSense for feeds works by inserting images into a feed. When the image is displayed by the reader/browser, Google writes the ad content into the image that it returns. The ad content is chosen based on the content of the feed surrounding the image. When the user clicks the image, he or she is redirected to the advertiser's site in the same way as regular AdSense ads.


AdSense for search
A companion to the regular AdSense program, AdSense for search lets website owners place Google search boxes on their pages. When a user searches the web or the site with the search box, Google shares any ad revenue it makes from those searches with the site owner. However, only if the ads on the page are clicked, the publisher is paid. Adsense does not pay publishers for mere searches.


How AdSense works
Each time a visitor visits a page with an AdSense tag, a piece of JavaScript writes an iframe tag, whose src attribute includes the URL of the page. Google's servers use a cache of the page for the URL or the keywords in the URL itself to determine a set of high-value keywords. (Some of the details are described in the AdSense patent.) If keywords have been cached already, ads are served for those keywords based on the AdWords bidding system.

Abuse
Some webmasters create sites tailored to lure searchers from Google and other engines onto their AdSense site to make money from clicks. These "zombie" sites often contain nothing but a large amount of interconnected, automated content (e.g.: A directory with content from the Open Directory Project, or scraper sites relying on RSS feeds for content). Possibly the most popular form of such "AdSense farms" are splogs ("spam blogs"), which are centered around known high-paying keywords. Also many sites use free content from other web sites, such as Wikipedia, to attract visitors. These and related approaches are considered to be search engine spam and can be reported to Google.

There have also been reports of Trojans engineered to produce fake Google ads that are formatted to look like legitimate ones. The Trojan Horse apparently downloads itself onto an unsuspecting computer through a web page and then replaces the original ads with its own set of malicious ads.


Criticism
Due to concerns about click fraud, Google AdSense has been criticized by some Search engine optimization firms as a large source of what Google calls "invalid clicks" in which one company clicks on a rival's search engine ads to drive up its costs.[6] Some publishers have been blocked by Google, complaining that little justification or transparency was provided.

To help prevent click fraud, publishers can choose from a number of click tracking programs. These programs will display detailed information about the visitors who click on the AdSense advertisements. Publishers can use that data to determine if they've been a victim of click fraud or not. There are a number of such commercial scripts available for purchase. An open source alternative is AdLogger.

Because AdSense adverts use non-xhtml compliant methods to display the advert blocks they will break xhtml strict pages. This is due to the use of the document.write method, which is deprecated in favour of DOM manipulation in xhtml, and the use of the iframe element, which is deprecated because it ties markup to presentation. This can be worked around by keeping the AdSense code in a separate html4 file served as text/html and including this in the application/xml+xhtml file using the object element.

Google has also come under fire for allowing AdWords advertisers to abuse trademarks. In 2004, Google started allowing advertisers to bid on any search terms, including the trademarks of their competitors.

The payment terms for AdSense customers have also been criticized.
Google withholds payment until an account reaches US$100 [1], but many small content providers require a long time - years in many cases - to build up this much AdSense revenue. These pending payments are recorded on Google's balance sheet as "accrued revenue share".At the close of its 2006 fiscal year, the sum of all these small debts amounted to a little over US$370million - cash that Google is able to invest but which effectively belongs to its customers.