Archive for January, 2007

Wall Street Journal Historical Rates

Examining the past has always been a good indicator of what the future may hold, and this is especially true when looking at financial markets. By viewing the history of the Wall Street Journal Prime Rate (or Historical Prime Rate) it is possible to identify trends and calculate averages.

If you are interested in predicting possible changes to the Prime Rate which may have effect on your savings or credit agreements then I recommend visiting the WSJ Prime Rate website, which features a historical database of the Prime Rate since 1947, the current Prime Rate, and Prime rate Forecast.

Find out more about Prime Rate history and the WSJ Prime Rate.


UK Website/Domain Name

I’m thinking of starting a UK version of The Website Design Award, I have been looking around for UK registrars, and found a great one at Buy Domain Name. They supply all the UK TLD’s at a very competitive price (In fact, it might be the cheapest I have ever seen at just 2.70 per year).

Owning a UK domain name doesn’t mean you have to host in the UK; you can point the domain at any hosts nameserver worldwide. UK domain names are recognised in England, Scotland, Wales and Northern Ireland in much the same way as .com’s are in the US; often web surfers will choose to visit a UK domain rather than a .com as they know the content will be relevant geographically.


Wordpress Themes At PS Workshop

Whilst looking for a Wordpress theme for this website I came across PSworkshop, a photoshop blog and tutorial site with a template store attached. The templates are very high quality. I think it is worth paying for a Wordpress theme rather than using a freebie if you are serious about your blog; there is nothing worse than turning up at a party and finding that someone else is wearing the same shirt as you, why should it be any different with your blog’s theme?

PSworkshop’s blog is also well worth subscribing to; I enjoy getting my daily dose of new tips and tricks for photoshop. There is always something new to learn in this game, it pays to keep up. The site has over 2200 tutorials in its archive too, so it is a great reference for any photoshop designer.


Ideas For Adsense Websites

Choosing a niche to market in comes down to more than just what you know. Many articles on internet marketing will tell you that you should stick to a topic that you are knowledgeable and passionate about, but when you are running several hundred sites this just isn’t practical, or necessary (if you are running many sites then you need to be hiring content writers who will research the topics and write for you).

My friend John posted a useful list of niches at his adsense blog. Looks like his experiences are pretty similar to mine, although I have never worked in the automotive arena. Maybe I should, I can just imagine myself swanning around in some of the cool cars you can rent in Vegas… the job might have perks :)


Chicago Real Estate Website

If you are looking to buy or sell real estate in the City of Chicago or its suburbs, then SuburbanHouseHunters.com can help. If you are relocating the website carries guides to many of the suburban cities of Chicago.

Ken Smith is an experienced realtor, and his team can help you with every aspect of your move. They offer guarantees for buyers and sellers, and all their listings have an easy exit clause, so you are not tied in and ‘held hostage’ as can happen with other realtors.

The team sells houses throughout the Northern Illinois area.


News For Realtors

If you are in the real estate business and generate leads through the Internet then you should be reading News For Realtors.

The blog deals with Internet Marketing from the perspective of a realtor or real estate agent, and discusses issues that might affect you, including lead generation companies and real estate directories.

Ken Smith (the author of News For Realtors) has written an excellent summary of the PubCon site reviews that have been in the news recently, again Matt Cutts talking of how many sites you own affecting your ranking has been highlighted. Also of note is the way that Greg Boser describes the online real estate business :)


Competitive Mortgage Quotes

Following on from my recent post about the real estate business, I thought I would give a quick insight into the world of mortgages and home finance.

It is important to always compare mortgage quotes before entering into a financial agreement when purchasing property. A real quick way to get a mortgage quote from top lenders across the US is to use the mortgage comparison service from LoanNetwork.com.

The service is simple, it only takes two minutes to fill out the online form and no social security number is required. This way you can get a good overview of offerings from different lenders with no commitment.


UK Webhost

As you may know, I am based in the UK for part of each year. This has lead to me doing some considerable work on optimization for UK search engines, especially uk.msn.com.

One of the major considerations that many of my competitors overlooked is the location of your webhost. Search engines in the UK give more weight to websites hosted in the UK, and with MSN especially this advantage has been enough to help me claim many number one slots for competitive keywords.

Web hosting UK is traditionally expensive, but FreeZone.co.uk have UK based servers where you can get a full featured account for just £1.49/month.


Saving Money On Credit Card Bills

In my work on Internet projects I generally pay contractors using my credit card (usually via paypal). The great thing about doing this is the improvement in cashflow; I don’t have to pay interest for a month or so until the payment is due. Recently, however, I have had a great deal of bills. Combine this with Christmas and New Year spending and I have been landed with a huge credit card balance :(

My savior from credit card hell has been transferring the balance to a 0% credit card. Many of the major card companies including Discover, Citi and Chase) offer these promotional rates to attract new customers. Often the deals are for up to 12 months interest free, so it can get you out of a tight spot, and give you some financial breathing room.


Don’t Limit Your Business Horizons

Many web designers work freelance or on their own business. It has been an easy time the last few years for adsense publishers, but there seems to be an undercurrent of change… reading the forums, many publishers earnings are in decline. Although ‘making hay whilst the sun shines’ is a good idea, it is also a great idea to have more than one income stream, and my personal choice is real estate investing.

The key to real estate investing is to find motivated sellers looking for a fast home sale. From this point you can do a basic renovation on the cheap house and ‘flip’ it (sell it on quickly), or lease out the house. Real estate complements being a web entrepreneur perfectly as property is such a solid business. Buy land ~ they ain’t making any more!


Designing a Good Navigation System for Your Website

While you should design your website to be aesthetically pleasing, beautiful graphics and clever little details are no substitute for a good navigation system. No matter how great your website looks, it will be useless if your visitor can’t find their way around your site.

Traditionally the navigation menu is placed just below the header area or on the left hand side of the web page. Usability studies have shown that web site visitors instinctively look in these areas first.

Wherever you decide to place your navigation menu, remember that consistency is important. The most important thing is to place your navigation menu in the same spot on every one of your web pages. If you use an image to represent a navigational button, use the same image and the same color for that image on each page of your website. For example, if you use an image of a green house in the left hand corner of your web page as your “Home” navigational link, use the same green house image in the left hand corner of every one of your web pages to designate the “Home” link.

Your visitor should be able to find what they are looking for within 3 clicks of your home page. This is usually not a problem for small sites. However, if you have a large site with many pages, you will need to design a navigation menu that provides access to all areas of your website without getting your visitor lost or confused.

You may want to use a bread crumb trail type of navigation system for large sites (Homepage > Category > Subcategory > Content). Another option is to use a dynamic menu that changes according to the page your visitor is, but be aware that search engines may not be able to spider sites using dynamic menus.

Usability studies have shown that a navigation menu should contain no more than 8 links. The more choices a user is given, the more difficult it will be for them to make a decision. Also, if you have many links, your visitor may get the impression that your site is complicated and difficult to navigate.

If you have only a few links, use mouse rollovers to visually enhance your website. You will need to add some Javascript that pre-loads the rollover images and then add “onMouseover” events to your image links. Alternatively, use CSS for text rollovers that change the link color when the mouse cursor hovers over a link.

Navigation links should be considered the most important part of your website for two reasons:

1) They are used by your visitor to find content on your site.

2) They are used by search engines to spider your site.

The reason users visit your site is to get information. If visitors can’t find the information they are searching for, they will click away, perhaps never to return again.

While different search engines have different rules on how they spider and rank a site, basically a “bot” or “spider” will visit a site, search for a “HREF” link and follow the links to other pages, indexing the pages as it goes along. If the “bot” or “spider” doesn’t find a “HREF” tag on a page, it is blocked from going any deeper into the site. As you can see, you need to design your navigational system so that a search engine can spider all pages of your website.

When designing your website, take the extra time to design a good navigational system. It is vital to your success!


Making the Best Use of Web Site Graphics

When used correctly, graphics add to the attractiveness of a web site and contribute positively to a visitor’s first impression of the site. However, the reverse is also true. If a web site is unattractive, a visitor will be negatively affected and may click away from the site, never to return.

Use common sense when including any graphics on your web pages. More is NOT better! Don’t plaster your site with graphics, clip art, and animated gifs. An excessive number of graphics makes for slow page loading times, clutters the web page, annoys visitors, and makes it difficult for a potential customer to read a sales message.

Only use a graphic if it contributes something to the web site. You may want to include a header graphic for site recognition, a graphic representation of your product, arrows or check boxes to draw attention to important sales points, and a button for your payment link. A footer graphic, buttons for your navigation menu, and/ or a background image may also be added if desired. If you include any other graphics, only do so if they add something positive to your site.

Use only JPG or GIF formats for your graphics as these two formats are used universally on the Internet. Although PNG format is starting to come into use, it is not widely used as it is not supported in all browsers.

There are many places from which you can obtain images. You can use images you’ve taken yourself, images that you’ve purchased, or you can download free images from web sites such as Free Images at http://www.freeimages.co.uk/ which offers over 2500 free photos or from Stock.xchng at http://www.sxc.hu/ which has over 100,000 free photos for you to choose from. There are also numerous sites that offer graphics such as buttons, arrows, clip art, GIFs, etc. Some of these are free, others you must purchase. If you do decide to use a free image or graphic, be prepared to spend hours wading through thousands of images or graphics to find the one you want.

For faster page loading, you will need to optimize your images and graphics by reducing them to their smallest size while still retaining their quality. The larger the file size, the more KB it will take up and the longer it will take to load. Don’t use any graphic larger than 30 KB on your web pages and always include a height and width attribute in your image tag for optimal download time.

You can optimize your graphics and images with one of these tools:

1) Download PIXresizer, a free image resizer from Bluefive software at http://bluefive.pair.com/pixresizer.htm.

2) Dynamic drive offers a free online image optimizer for JPG, GIF and PNG formats at http://tools.dynamicdrive.com/imageoptimizer/.

Use JPGs for photos and GIFs for other graphics on your web site such as buttons and arrows. JPGs can use a compression method that does not reduce the number of colors in the image which is why JPGs are good for photos. GIFs can only use a 256 color palette and are generally better for graphics containing few colors. If you have a GIF with a lot of colors, you may want to save it as a JPG to preserve quality.

The first graphic a visitor sees on entering your web site is your header graphic so it should communicate what the content of your site is about. A header graphic should be part of a web site’s identity so use it on every page of your site.

Think of your header graphic as if it were the cover of a book. A book cover is meant to grab the attention and curiosity of the user and entice him or her to open the book. A header graphic has the same kind of purpose. Your header graphic should entice your visitor to stay on your site and have a look around. It should convey the feeling that there is something worth further exploring on your site.

If you are selling a product, include an image of the product. This is especially important for ebooks and software that are downloaded from your site. Since these products are virtual products and not physical ones, your customer will feel more secure about purchasing the product if they can see a book cover or software box.

Use graphics of arrows or check boxes to draw attention to the most important parts of your sales message. Be conservative in their usage. If you use too many, your visitor will start ignoring them and what they point to.

You will need some sort of button for your payment link. This can be a simple “Pay Here” type button or a more complex one which includes images of credit cards along with payment information. Use the type that fits in with the theme of your web site.

Your footer may be just a narrow colored strip or a miniature version of your header graphic. It should always include your copyright information.

Your background image, background color, the colors used in your text, and the colors in your graphics shouldn’t clash. The components of your web page should harmonize. Look at how everything comes together as a whole, not at the individual graphics.

No matter how many graphics you use on your web site, they should be appropriate for the theme of your site. If your site is soft and romantic, use pastel colors and muted graphics. On the other hand, if your site screams boldness, use bright colors and brash images.

Graphics can be an important part of any web site design. Use them correctly and they will be come an asset to your site. Use them incorrectly and they will become a burden.


Free Webhosting Accounts

If you are a budding web designer/developer who is a bit cash-starved then FolderSpace.com have a treat in store for you. They are offering free website hosting accounts with many of the features that you would only usually get from a fully paid account. PHP4 and mySQL are included, which is great if you are looking to build a dynamic database driven website, and Perl, Java and CGI are there too. FolderSpace.com even give you a free subdomain to work with.

If your website grows and you need even more space and features (such as shell access, Ruby on Rails support etc) then FolderSpace can cater for your growth. They have a range of well priced hosting accounts to suit all different needs, including a reseller account which allows you to host multiple websites of your own, or to set up in business as a web host reselling space on the FolderSpace server.

FolderSpace are one of the first hosting companies to offer full support for Ruby on Rails, the new toolset that many web designers and developers are talking about. There is detailed information available about Ruby on Rails on the site. Check out this excellent webhost.


Pet Brushes And Pet Products

TVProducts4Less.com have pet brushes and grooming tools essential for every pet owner. Have you ever heard of ionic pet brushes? The website explains in detail what these are, and the advantage to the owner (they reduce pet odor and dander).

The wide range of petcare products offered by TVProducts4Less.com include doggy steps for smaller and older dogs, as well as pet vacuums, and pet water dispensers (a type of mobile drinks station for your dog!). Our favorite was the shed ender, a de-shedding tool that removes all that old dropping hair that otherwise ends up on your carpet and sofa.

TVProducts4Less even take paypal as well as credit cards to make your purchase even easier.


Great Hammock Store

You needn’t look any further for hammocks than OnlineDiscountMart.com. This website has a great selection of cotton hammocks. With clear enlargeable photos, detailed product descriptions of size, weight etc, buying your hammock to relax in couldn’t be easier.

With toll free ordering if you want to order by telephone, and order tracking facility, this website is helpful and easy to use, making any shopper feel comfortable shopping. From hammock chairs to hammock swings, and holding up to two people, there is a hammock for everybody.


Site-Sift Web Directory

Site-Sift.com could give us all a lesson in how to build a really useful resource without all the fanfare and bells and whistles that comes with a lot of sites these days.

Site-Sift is a web directory that has been online since 2004, owned and operated by a small team. The design of the site is simple and clean, with no excess images, flash, or other stuff to get in the way of what it does: provide a quality, hand-edited web directory.

The main site has just a couple of images (the banner and the ’search’ button), and is as easy and pleasurable to navigate with images off as with images on.

Navigating the site is a simple process; there is a search box, or you can choose to drill down through the directory to the category you require using simple textlinks.

The relevance of Site Sifts results are excellent as all submissions are reviewed in person by the team.

Congratulations to the Site Sift team for providing a resource that does exactly what it says on the tin.