Tuesday, March 22, 2011

What is Black Hat SEO?

Black hat is a common term known to search engine optimisers, it is considered as unethical techniques used to get websites increased exposure in search engines.
Search engines such as Google, Yahoo! and MSN wants to ensure they are showing relevant results to their end users. For those who employ successful "Black hat" or "Unethical" techniques to get their sites to show up in the search results pages, more often than not, will not give you the information you were looking for.
For example, if a Webmaster wants to make money with Google Adsense, they place content on a webpage in the hope that when someone finds that page, they will click on an Ad because the content on the page is not useful. In return, the Webmaster gets paid for that click.
The result is poor user experience because of the black hat SEO techniques used by the Webmaster to fool the search engines into believing the page was relevant to the search.
This is exactly what search engines are trying to combat.
If you are a person who is hoping to outsource search engine marketing, then it is important you know what to look out for and avoid when trusting someone with your website.
Here are some common Black hat techniques:
Keyword Stuffing
Keyword stuffing can be achieved in a number of ways. It is an unethical technique of using tags such as Meta-tags, Alt tags and title tags to stuff with your target keywords. Search engines reads these tags and can help to indicate what a page is about, however, if you stuff your tags with keywords, and the search engines find out, then this can cause your site to be banned.
An example of keyword stuffing in alt tags (tags attached to images) could look something like:
[img src="images/my_cat.jpg" alt="black hat, dodgy practices, black, hat, spam, unethical,hat black,black hat is cool,im spamming for black hat,practice black hat"]
As you can see, the webmaster is wanting the search engines robots to notice the keyword black hat in the hope it will get a better ranking in the results pages, however, this is unethical and something which if picked up, is likely to get the website thrown out of the search engines.
Hidden Text
The most common way to hide text on a webpage is by setting the font colour of the text to be the same as the page background, this way it is not easily picked up by a site visitor.
People use hidden text to load keywords and phrases into a webpage that is only read by search engines to increase their rankings in search engines. However, this tactic goes against search engine guidelines and if picked up, can get your website banned.
One way to discover if a site has hidden text is to click Edit/Select all in your browser, if you see text, which is otherwise not visible, then this is hidden text.
Doorway Pages
A common example of a doorway page is for a Webmaster to create a page specifically for search engines, which probably would make no sense to a user. They will get the page for search engines ranking, and when a user clicks on the result from a search, they will immediately be redirected to a different page without their knowledge.
An easy way to discover a doorway page is to look at the description in a search result and to look for that content when you click through to that page. If the content is not within the page content or in the description Meta-tag, then it is likely the result you saw was a doorway page.
*Note: Google can sometimes use descriptions in their webpage results from DMOZ, check to see if the site is listed in DMOZ and check the description to clarify the description is not from them.
These are the most common techniques used by Black hat Webmasters
All of these methods can get your site banned from the search engines, so when outsourcing SEO work, check over your website to ensure none of these tactics are being used on your website.




Article Source: http://EzineArticles.com/?expert=Nicola_Bullimore 

Wednesday, March 2, 2011

A Guide to Secured Loans

The common form of a secured loan is that it is one set up with some form of security for the lender. If the borrower fails to repay the loan then the lender may take hold of the security and sell it to repay the loan. Much the same thing can occur with a mortgage which is sometimes called a home loan and is a kind of secured loan in that it is secured on your property.
There could be many reasons why you may choose to take out a secured loan. One is that a secured loan is a suitable tool to allow you to raise a large amount of money. This could be used for debt consolidation, home improvements, and many more reasons. It could be that you have experienced difficulty getting an unsecured loan due to a poor credit history. Lenders can take a more lenient view when it comes to secured loans due to the security that you offer with the loan. This means that you could raise the money you require with a secured loan although you may have been declined recently or in the past for an unsecured loan.
What are the qualifications for a secured loan?
You do not have to own the deeds on your property or own your home outright in order to qualify for a secured loan. If you have a mortgage, and have built up or have equity in your property you could take out a secured loan. With a secured loan, you can borrow an amount from £5,000 upwards and you can use the money for any purpose. Another advantage of your secured loan is the payment terms available, these can be from 5 to 25 years. You need to fully discuss all the terms and conditions of the loan with your lender to ensure the payments term and the amount that you will be borrowing fully meet your circumstance and ensure you can fully meet the payments each month. Secured loans are normally at a lower rate, than their unsecured partner and will normally be allowed to be taken out over a longer term. Also a larger amount may be borrowed with your secured loan as you are offering the lender some security. If you do not keep up with repayments on a secured loan or mortgage on your property your home may be repossessed.
There are many factors that can account for the interest rate that you will be charged on your secured loan. Some of these are the amount and term of the loan and the loan to value that the lender is taking into account, which is the difference between the total amount of loans secured on your property and the value of your property. They will also take your personal finance credit history into account. A factor to discuss with the lender when discussing your secured loan is a payment protection plan for your peace of mind as well as the lenders of your secured loan. This would save you having to worry about the monthly payments should you fall victim to, sickness, accident or redundancy. There are different types of plans available and the lender will supply you with these details on request.
So what are the benefits of a secured loan?
I would speculate the main benefit of a secured loan is that you can receive lower monthly repayments and can borrow a larger amount of money with a secured loan than you could with an unsecured loan. The amount of money that the lender will allow you to borrow is greater due to the security you are offering. There are some lenders in the market place that will allow you to borrow up to 125% of the value of the property with your secured loan. This is of course subject to the lenders terms and conditions and your credit status. For you to be able to take out a secured loan the lender would like you have been a homeowner for at least nine months or longer. You can take out a secured loan whether you are employed or self employed and even people who have pensions in place can still qualify for a secured loan subject to meeting the lenders terms and conditions.
Your secured loan, as with any loan, may be redeemed early although the lender will charge you an early repayment or early redemption fee for paying off your secured loan. So in essence if you are looking to borrow a large amount of money, would like to take it out over a longer term, and would like to have payments that are affordable to you and you have equity in your home then you should consider a secured loan.


Article Source: http://EzineArticles.com/?expert=Mike_Trusler