Monthly Archives: April 2014


Credit Cards


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The Best Cash-Back Credit Cards in America

As airlines and hotels continue to decrease the value of the points and miles they offer through their co-branded credit cards, cash back remains the reward of choice for many cardholders. And credit card issuers understand their customers need for a simple program that offers the one reward that no one will likely ever have trouble redeeming.

When looking for the best cash-back credit cards for this months Best Credit Cards in America, we weighed several factors. First, we looked at the rate of return as a percentage of spending. The problem is that some cards offer a fixed rate of return on all purchases, while others offer bonus rewards for purchases from certain categories of merchants. Individual cardholders can find the best cards by estimating how much of their purchases will qualify for the bonus, or they can maximize their returns by using one card at some merchants, and another card at others.

Next, we looked at fees. The biggest one that cardholders may face is the annual fee, as some of the most rewarding cash-back credit cards will have this charge. Nevertheless, there are still plenty of competitive products without this fee. Also, we considered all of the other perks that a credit card may offer. This can include travel insurance and purchase protection policies, along with some new, innovative benefits.

Finally, we did not factor in the interest rates when looking for the best cards. That is because anyone using a cash-back credit card should be paying their balance in full and on time, every month. To do otherwise would mean incurring interest charges that would likely exceed any cash-back rewards. Instead, those who tend to carry a balance will need to look for a card with the lowest possible interest rate, which will not be a rewards card.

As you shop for a cash-back credit card, it can help to know your credit scores so that you apply for a credit card for which you’re more likely to be approved. You can check your credit scores for free through, along with an analysis of your credit and a plan to build or maintain your credit.

Know Your Score Before You ApplyGet your FREE Credit Score and see what the banks will see before you apply. Learn ways to improve it with your personalized Action Plan. FREE updated every 30 days.
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The Winner: Fidelity Investment Rewards American Express Card

Why it won: These cards continue to lead the market by offering 2% cash back on all purchases, which is deposited into a qualifying investment account with Fidelity.

What this card offers: For every $2,500 in purchases made, cardholders earn 5,000 points, which can be automatically redeemed for a $50 deposit to their designated Fidelity Investments account each time they meet this minimum. Cardholders can choose to have their rewards deposited into a qualifying brokerage account, investment account, 529 college savings account or retirement account. Cardholders earn 2% cash back on all purchases, and there is no limit to the amount of cash back they can receive. According to Sam McLimans, Fidelitys Senior Vice President of Cash Management, this card continues to experience tremendous growth due to the fact that it is a simple, easy to understand offer of 2% cash back on everything, all the time. Or as he puts it: Customers just get it.

Other features: Instead of cash back, cardholders can choose to redeem their rewards in the WorldPoints program, which offers gift cards or travel rewards.

The cost: There is no annual fee for this card, and the foreign transaction fee is just 1%. That is significantly less than the 2.7% foreign transaction fee charged by most American Express cards.

1st Runner-Up: Capital One Quicksilver Cash Rewards Credit Card

Why it won: This new Capital One card offers 1.5% cash back on all purchases, with no annual fee.

What this card offers: Cardholders earn 1.5% cash back on every transaction, and receive their rewards every month. There is no limit to the amount of rewards that can be earned, and the rewards never expire.

Other features: New applicants receive a $100 sign-up bonus after they use their card to make $500 in purchases within three months. As a Visa Signature card, customers receive extended warranty coverage, access to travel upgrades and savings, and the use of a complimentary concierge service.

The cost: There is no annual fee for this card, and no foreign transaction fees on charges processed outside of the US

2nd Runner-Up: American Express Blue Cash Preferred

Why it won: Although cardholders only receive 1% cash back on most purchases, this card offers up to 6% cash back at select merchants.

What this card offers: Cardholders can earn 6% cash back on up to $6,000 spent each year at US grocery stores. They can also get 3% cash back at stand-alone gas stations in the US and at select department stores such as Sears, Macys and JCPenney, while 1% cash back is earned on all other purchases.

Other Features: New applicants earn a $100 statement credit after spending $1,000 within the first three months of becoming a card member. Purchase protection and travel accident policies are also included, but the latest new feature to be added is a years subscription to Amazon Prime. This service normally sells for $99 and features free two-day shipping as well as online streaming of television and movies.

The Cost: There is a $75 annual fee for this card and a 2.7% foreign transaction fee imposed on all charges processed outside of the US

Compare these cards to other cash-back credit cards on
More on Credit Cards:

  • The Credit Card Learning Center
  • How to Lower Your Credit Card Interest Rates
  • 6 Smart Credit Card Strategies

Note: It’s important to remember that prices for various products can change. As a result, the prices for products cited in these articles may have changed since the date of publication. Please be sure to verify current prices directly with the offering party.

At publishing time, the Capital One Quicksilver Cash Rewards Credit Card and Blue Cash Preferred® Card from American Express are offered through product pages, and may be compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment.

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Note: Its important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.


Debt Settlement


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Tartisan Announcements Regarding Private Placement and Debt Settlement

Toronto, Ontario–(Newsfile Corp. – April 1, 2014) – Tartisan Resources Corp. (CSE: TTC) (Tartisan or the Company) wishes to announce it has closed on the first tranche of a non-brokered private placement first announced on February 7, 2014, amounting to 762,857 units for gross proceeds of $53,400.

The Company is extending the private placement offering on the same terms as those originally announced, those being: the non-brokered private-placement offering of up to 3 million Units of the Company (less the first tranche closing), at a price of $CDN 0.07 per Unit, for gross proceeds of up to $CDN 210,000 (the Offering). Each Unit will consist of one Tartisan common share and one common share-purchase warrant (the Warrants); each full Warrant will entitle the holder to purchase one Tartisan common share at a price of $CDN 0.14 for a period of 12 months after the closing of the Offering. A finders fee equal to a cash commission of 8% of the aggregate gross proceeds from the Units sold, plus finders warrants equal to 8% of the aggregate number of Units sold, will compensate qualified finders appointed by the Company to source subscriptions. All securities issued by the Offering will be subject to a hold period of four months plus one day from the date of issue. This extension of the Offering is subject to regulatory approval.

Net Proceeds from the Offering will be used to fund exploration of the Companys gold, silver and base metals projects in North-Central Per#xFA;, and for working capital purposes. The planned exploration work will include preparation for diamond drilling at La Victoria, the Companys wholly owned flagship project located in northern Ancash Department. Tartisans land holdings are located within 50 km of several producing mines including: La Arena owned by Rio Alto Mining Ltd., Lagunas Norte (Alto Chicama) owned by Barrick Gold Corporation and Santa Rosa owned by Compa#xF1;ia Minera Aur#xED;fera Santa Rosa (COMARSA).

Tartisan has signed a letter agreement with Eloro Resources Ltd. (TSXV: ELO) (Eloro) granting Eloro an option to earn a 50% interest in La Victoria property; this was announced on February 14, 2014. Under the terms of that agreement, Eloro can earn a 50% interest in the Property at Eloros option by expending $CDN 1.5 million in staged exploration and work expenditures on the Property, and making cash payments to Tartisan totalling $CDN 150,000, all over a four year period.

The Company also wishes to announce that it has entered into agreements to settle a total of $398,054.00 of debt (the Debt) with arms-length and non-arms-length parties to the Company (collectively the Shares for Debt Settlement).

The Debt payable to the arms-length parties totals $123,179.00 and that to non-armslength parties totals $274,875.00. The Company will settle these debts, subject to regulatory approval, by issuing an aggregate of 3,571,790 common shares at an average price of $0.10 per share. All securities to be issued will be subject to a hold period of four months plus one day. The Company will have 35,358,882 shares outstanding (40,421,739 fully diluted) after completion of the Shares for Debt Settlement transaction.

For further information, please contact Mr. D. Mark Appleby, CEO and a Director of the Company, at 416-804-0280 ( or Mr. Phillip Shum, Investor Relations (Ubika Corp.) at 647-352-0687 ( Additional information about Tartisan can be found at the Companys website at

This news release may contain forward-looking statements including but not limited to comments regarding the timing and content of upcoming work programs, geological interpretations, receipt of property titles, potential mineral recovery processes, etc. Forward-looking statements address future events and conditions and therefore, involve inherent risks and uncertainties. Actual results may differ materially from those currently anticipated in such statements.

The Canadian Securities Exchange (operated by CNSX Markets Inc.) has neither approved nor disapproved of the contents of this press release.

Not for distribution to US news wire services or dissemination in the US


Secured Financing


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CORRECTED-US data centre firm in venture with Egyptian tycoon

(Corrects background on Global Telecom Holding as company is no
longer part of Sawiriss business empire)

CAIRO, March 12 (Reuters) – US-based data centre firm
Switch SUPERNAP has set up a joint venture with specialist
investment companies in Egyptian tycoon Naguib Sawiriss
telecoms empire to win business in Europe, Asia and the

The joint venture with Accelero Capital and Orascom TMT
Investments will build and operate data centres for clients such
as cloud computing, internet and financial firms, its chief
executive said on Wednesday.

The Luxembourg-based company will target SUPERNAPs existing
clients, which include Google and Ebay, CEO
Khaled Bichara told Reuters.

Bichara, who is also CEO of Accelero Capital, said data
transmission speed and regulatory issues may attract clients to
locally built data centres.

Were going to countries and we tell (potential clients) if
you want to host your server and your data in such an
environment you dont have to go all the way to the US, he

Operations outside the United States are expected to start
next year and the privately held company is confident it has
secured financing for ten large data centres, each around
230,000 square feet (21,370 square metres) in size, Bichara

Details of the first contracts in two countries would be
announced within three months, Bichara said, without

Bichara declined to say how much money has been put into the
joint venture or how much revenue he expected once it starts

Bichara is a former CEO of Orascom Telecom Holding – now
Global Telecom Holding.

Luxembourg-based Orascom TMT Investments is a majority
shareholder of Cairo-listed Orascom Telecom Media and Technology
, which lists Sawiris as its executive chairman and
Bichara as a non-executive board member.

(Reporting By Shadia Nasralla; Editing by Erica Billingham)


Debt Settlement


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How do I pay off $7500 in credit card debt?

Dear Credit Card Adviser,
I currently have a credit card with an existing balance of $7,500 with an interest rate of 15.99 percent. My financial institution has reviewed my account and will not lower my APR, or annual percentage rate.

If I make just over the minimum payment, it will take me 32 years to pay it off and I will pay $13,500 in interest! Until I can make more money and therefore make larger payments, what are my options?
— Stoughton

Dear Stoughton,
There are ways to get rid of massive credit card debt. Well run you through all of them, including their pros and cons.

You have a few options. Ill review them from the riskiest to the most conservative.

It looks like you carry an average interest rate on your credit card, so Im assuming that you havent had any recent late payments. If you were past due paying your credit card bill, your issuer would increase your interest rate — called a penalty rate — which would likely be higher than 15.99 percent.

If you have indeed been making your payments on time and your credit is in good shape, you may be able to qualify for a credit card that has a zero percent interest rate for balance transfers for a limited period, anywhere from six months up to 18 months. That way, you dont have to pay interest on your payments and can reduce your debt faster.

The problem with this solution is that first, you have to qualify for a balance transfer card and second, if you qualify, you need to be approved for a large enough limit to transfer your entire balance. Unfortunately, you wont know your credit limit until after the card is opened, so you could end up having only part of your $7,500 balance on the no-interest card and whatever is left over on the card with the 15.99 percent interest.

The other risk is if you dont pay off the balance during the no-interest period, you could end up having an APR that is higher than your original rate. That could make paying off the remaining balance that much harder and more expensive.

Another possibility is to consider a debt consolidation loan, especially through a home equity loan, also known as a second mortgage. While this puts your home at risk if you should default –the collateral securing the loan is the equity in your house — you will likely get a lower interest rate than what you have currently on your credit card. The average rate for a home equity loan is 6.22 percent, according to Bankrates most recent weekly survey of rates. Of course, this option is only available to you if you own a home.

My last suggestion, which is the one I strongly recommend, is to seek help from a certified, nonprofit credit counselor. A counselor can go through your budget and help you find ways to cut expenses so you can pay more toward your credit card balance. A counselor can also help put you into a debt-management plan, if that is the right course of action for you.

A debt-management plan is when a credit counselor arranges a new payment plan with a lower interest rate with your credit card issuer if you show hardship. The plans usually run from three to five years and you make payments through the credit counseling agency. The agency also may take a small monthly fee for administering the payments. Typically, you must agree to not take out any other credit during the implementation of the debt-management plan, as part of your agreement with your issuer. The plan also doesnt hurt your credit like a debt settlement does.

To find a certified credit counselor in your area, I recommend going through the National Foundation for Credit Counseling. Its website can help you locate a reputable credit counseling agency in your area. Remember, you should never pay up front for any credit counseling services. An agency only can charge you after performing a promised service. Good luck!

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Credit Cards


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Credit Check: Top 5 Credit Cards for Small Businesses

1. Chase Ink Plus
Ranked as the No. 1 overall small business credit card by Nerd Wallet, Chase Ink Plus offers endless benefits for cardholders. You can earn 50,000 bonus points after you spend $5,000 in the first three months of opening the account, which is worth 25 percent more when you redeem for travel. That makes the Plus card a better travel option than most airline credit cards. Aside from the signup bonus, you can also earn five points per $1 you spend on office supply stores and phone, Internet, and cable TV services – up to $50,000 spent annually. You can earn two points per $1 you spend on gas and hotel stays, up to $50,000 annually, and an unlimited one point per $1 elsewhere. If that’s not enough to get you on board with Chase Ink, the card offers a few more benefits. Ink Plus has no foreign transaction fees and free employee cards. It also makes for a great airline miles card, and lets you transfer your points 1:1 to United MileagePlus, Southwest, Hyatt, Marriott and others. One thing to keep in mind: There is a $95 annual fee, which is waived for the first year. This card works best if you have a company that keeps its credit card busy.

2. Starwood Preferred Guest Business Card
Value Penguin ranks this card as one of the best for rewards rates and for travel. “Like its personal credit card counterpart, this card offers the best value per point with each point worth at least 2.2 cents. The overall rewards rate could get even higher if your employees are frequent hotel travelers, with each stay at a Starwood hotel or resort earning double points. Starpoints can also be transferred to most major airlines, giving your account additional flexibility,” per Value Penguin. This card has the highest overall rewards rate of any business credit card, making it a great option for businesses that fly their employees frequently. Keep in mind: This card is more limited than some of the cash back options, so consider Starwood only if your company has significant flight and hotel expenses.

3. Business Gold Rewards Card from American Express OPEN
Looking for a card that is big on membership rewards point? Then this American Express business card could be for you. It gives you 25,000 membership rewards points after spending $5,000 in the first three months. It also lets you earn three points on up to $100,000 spent on airfare purchased directly from airlines and two points on up to $100,000 spent on fuel at US gas stations. You can also receive two points on up to $100,000 spent on US purchases from select computer hardware, software and cloud computing providers, shipping and advertising in select US media, and one point for every dollar you spend on other purchases with your card, writes Daily Markets. There is a $0 introductory annual fee for your first year, and then it jumps to $175/year.

4. Chase Ink Cash
According to Nerd Wallet, Chase Ink Cash lets you earn five times the rewards in bonus categories – up to $25,000 a year. This cards pays out in cash, making it the easiest kind of reward program. Here’s what you can expect with this card: five points per $1 you spend on office supply stores and phone, Internet, and cable TV services, up to $25,000 spent annually; two points per $1 you spend on gas and dining, up to $25,000; and an unlimited one point per $1 elsewhere. You can earn a $200 cash back bonus after you spend $3,000 in the first three months from the time you open your account. If you have a smaller business, Chase Ink Cash can offer you some solid benefits. There’s no annual fee, and it gives a full twelve months of zero interest on your purchases and transfers.

5. The Capital One Spark Select
Per Value Penguin, Capital One Spark is a must-have if you’re looking for low interest rates. This is a great card to consider if you’re keeping a balance on your business card. The Capital One Spark doesn’t offer as many rewards as other cards, but its low interest minimum interest rate of 10.9 percent could yield pretty significant savings on your interest payments. And it gives you a 1 percent rewards rate that can be used for travel.

More From Wall St. Cheat Sheet:

  • Budgeting 101: A Guide to Keeping Track of Your Finances
  • 5 Common Bank Fees You Can (and Should) Avoid
  • 5 Things You Must Do in Your 20s to Protect Your Financial Future


Credit Cards


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Americans Have Fewer Credit Cards And Less Debt

A new poll from Gallup suggests that Americans are less reliant on credit cards than any time since 2001. The survey, which was based on a random sample of 1,026 adults, found that 29 percent of Americans do not own any credit cards the highest proportion since 2001. For those who do own cards, the average number in their wallets is 3.7, whereas it was four in April 2001.

Its not just the number of credit cards that appears to be declining; its also the use of them. Gallup found that credit card users are now more likely to say they pay their full balances every month 48 percent of them said this, another high since 2001.

Finally (and this is a crucial facet of the data), the actual debt that credit card holders carry is $3,573, which is considerably lower than it was in 2008 ($3,848). But its hard to tell how Gallup calculated those averages down to the dollar, because they present the debt data in groupings: $500 or less, $501-$1,000, $1,001-$2,000, etc. all the way up to more than $10,000.

In the six years during which the survey was conducted, the respondents always answered at the beginning of April. Thats important because peoples credit habits can fluctuate a lot throughout the financial year. But as with all self-reported data, perceptions and accuracy matter. If Americans are more embarrassed to admit that they have credit cards, or worse at remembering how many they own, these numbers could be inaccurate.

So we also looked at data from the Federal Reserve on consumer credit. More specifically, were interested in the amount of revolving credit all the debt that doesnt have fixed payments that Americans own. The Fed doesnt know that information on an individual basis, but we do have data on the total amount of that credit moving through the US economy each year.

Adjusted for inflation, there really has been a change in Americans credit habits:

As you can see, the turn coincided with the financial crisis of 2008. That makes sense. Since then, banks have tightened their lending standards; many people have lost jobs, and thus access to credit; and some people may have become more cautious about accumulating debt.


Debt Settlement


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Foreclosure Defense Law Firm Amerihope Alliance Legal Services Recognized …

Plantation, FL (PRWEB) April 28, 2014

Gregory M. Nordt, Esq., Attorney at Amerihope Alliance Legal Services, earns the January 2014 Highest Professional Excellence Award from The Legal Network and the January 2014 Client Distinction Award from Martindale-Hubbel, both founded on stellar reviews from thankful clients.

Gregory M. Nordt, on behalf of Amerihope Alliance Legal Services, was bestowed with the Client Distinction Award and the Highest Professional Excellence award in January 2014. Again, both awards were given from client ratings, where most if not all ratings for Mr. Nordt exceed the standards of excellence.

Amerihope Alliance Legal Services provides clients with an array of quality legal services that are unsurpassed by any other firm of its kind. They take pride in their commitment to furnish clients with top foreclosure defense, IRS debt settlement, bankruptcy and personal injury assistance. The Amerihope Alliance Legal Services team is relentless when it comes to getting clients the best possible results. Through their tireless efforts combined with the expertise of a diverse staff, they take away the threats of financial insecurities from many facing foreclosure. Their practice reaches several States including Florida, Illinois, New Jersey, New York and Pennsylvania.

The Client Distinction Award exposes clients to a 360-degree view of the designated lawyers professional credentials. Those credentials include communication ability, quality of service, responsiveness, and value for the money on specific matters for which one engaged the lawyer or law firm. The Client Review Rating Score is based on 1.0-5.0, 5.0 being the highest score an attorney could achieve. Pursuant to these ratings, Mr. Nordt scored a near-perfect 4.9. This score is almost unreachable for many attorneys since less than 4% of the 900,000+ attorneys listed onmartindale.comandlawyers.comhave received a score this high.

In addition to the Client Distinction Award, Gregory Nordt earned the 2014 Highest Professional Excellence Award from The Legal Network. The Highest Professional Excellence Award honors attorneys who, as a representative of clients, perform various ethical and professional functions. Those functions include: providing clients with an informed understanding of the clients legal rights and obligations and explaining their practical implications. Second, asserting the clients position under the rules of the adversary system. Last, negotiating results advantageous to the client but consistent with requirements of honest dealing with others. The aforementioned are all fundamental, necessary, and indispensable characteristics that an attorney needs to practice, preach. and live by in order to win this distinguishing award.

Mr. Nordt is honored and humbled by the awards, he says “Once again it is such an honor to receive such recognition and I happily accept these awards on behalf of my firm. It is outstanding how more and more people are learning that there is protection available in the foreclosure process and being able to help them has developed an indescribable feeling. More so, the appreciation I have received from my clients by nominating me for these awards is humbling and I am grateful to them. Here at Amerihope Alliance Legal Services, we strive to make our clients our top priority so that their financial issues are quickly and efficiently solved. There is nothing that makes me more happy than knowing my clients can enjoy life again without constant financial worries.”

Gregory Nordt has over 15 years of experience in the field and now focuses on foreclosure defense. In over 5 years of operation, Amerihope Alliance Legal Services has completed over 5,000 successful loan modifications. Mr. Nordt, along with his team at Amerihope Alliance Legal Services, invoke candor, integrity, and expertise whilst defending their clients. All with the common end goal of achieving the best possible outcomes.




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The 5 Simple Website Add-Ons That Could Help Boost Revenue

Traffic is the most important component of any website-monetization strategy, according to online-learning platform Udemy. You likely spend quite a bit of time and resources to draw traffic to your website. Are you doing everything you can on your site to maximize those efforts? No matter how many visitors your website currently gets, there are a few methods you can use to increase consumer engagement, time spent and repeat visits along with adding additional revenue streams.

Take advantage of your current level of site traffic with these tips:

1. Add a secondary-ticket integration. Did you know that with current technologies any digital property that wants to sell event tickets online can do just that? Adding a secondary ticket integration to your site is easy and offers your business huge income-generating potential.

Related:Five Ways to Re-Energize Sales

If your business involves music, sports, theater or any type of live entertainment, you can have access to an application programming interface, or API, that allows for any web property to show event tickets to their visitors — big or small. For instance, if you run a music blog, you may want to provide your visitors the opportunity to purchase tickets to upcoming concerts or festivals in their area. In the travel space? You can offer your customers tickets to the hottest events in the city they are heading to.

2. Add an option to sign-up for your companys newsletter. If you dont offer a free product such as an e-newsletter on your site in exchange for visitors email addresses, youre missing out on a great opportunity to generate both new sales and more traffic. By offering an option to sign up for your companys newsletter on your site, you can request that recipients provide their email address in exchange for it.

How can you make money from an email address? A study done by Ecommerce Quarterly found that while newsletters dont generate as much traffic as search, they result in some of the best conversion rates via email lists.Thats because the list of addresses you generate from your site is tailor-made to fit the products and services you offer. Unlike random lists that spam out information to people who may not be interested in your niche, your sites visitors clearly have an interest, so knowing how to target them can help generate sales revenue.

3. Provide a feedback section. How can you provide your sites visitors (potential new customers) with what they need and want from you? Integrating customer-feedback tools onto your website gives you the opportunity to take the pulse of your visitors through direct qualitative feedback.

Theres a wide range of feedback tools available for integration, from crowdsourcing product-opinion software likeUserVoiceto simple page feedback tools such as Five Second Testor concept tools likeUserlyticsfeedback tools. Other offerings include ForeSee Results, which meaures site exits, and general online survey tools likeSurvey Monkey.

No matter which type of tool you use, you must then act on the information you receive to create a more customer-centric site. By doing so, youll increase the chances of turning one-time visitors into long-time customers — a surefire way to increase revenue.

4. Offer sharing capabilities. Maintaining an active social-media presence is a no-brainer to help drive new traffic to your site — and in the process identify and capture new customers to grow your revenue base.

At a minimum, youll want to include links to Facebook, Twitter and LinkedIn that are easily accessible from your home page and other key areas of your site. This will allow readers to share your content with their own networks, generating more eyeballs for your messaging with no additional push from you. Beyond the basics, other social media and video sharing sites to consider adding links to on your site include YouTube, Google+, Pinterest, Instagram and Flickr.

Related:How to Become a YouTube Partner

5. Make affiliate or partner programs available.Once you have a steady and reliable stream of traffic going to your website, then its time to up the ante with your monetization efforts. Consider affiliate marketing, which involves partnering with another company to advertise certain products on their website that may be related to your areas of specialization (or vice versa).

In addition to offering physical products, you might consider informational products like eBooks. Dont have relationships with major retailers or thought leaders to partner with them yet? Some sites offer opportunities to provide affiliate products without needing to directly contact the product manufacturer. But as you gain more experience, connections and site visitors, you may be ready to reach out to major retailers and other potential partners directly about their affiliate programs.

No matter which monetization strategies you choose to use, remember: when it comes to website add-ons, something is better than nothing. Do what you can — with the time and budget you have — to increase your traffic and boost your revenue.

Related:The Hottest Ecommerce Businesses to Start in 2014 (Infographic)




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BlackBerry reports loss, revenue decline but says it is ahead of plan

I am obviously extremely pleased with the Q4 results because it put us on the track and if not, slightly ahead, Chen said in a call with analysts Friday. Im very pleased with the fact that the companys now back in execution mode.

The companys fourth-quarter loss was smaller than expected, but it missed on revenue.

VIDEO: Unboxing the HTC One (M8)

For the three months ended March 1, the smartphone maker reported a loss of $423 million, or 80 cents a share, compared with a profit of $98 million in the year-earlier quarter.

Excluding one-time items, BlackBerry reported a loss of 8 cents a share; analysts surveyed by Thomson Reuters had expected a loss of 55 cents a share on revenue of $1.1 billion.

Revenue was $976 million, down from $2.7 billion a year ago. It was the first time since 2007 that BlackBerry has reported quarterly revenue below $1 billion.

Shares of BlackBerry briefly spiked before falling 35 cents, or 3.9%, to $8.70 at 11:30 am Pacific time.

Chen told analysts that BlackBerry had cut operating expenses, putting it probably a quarter ahead of schedule at this point.

Besides reducing costs, the Waterloo, Canada, company is also under pressure to return to profitability and show growth. It is aiming to be profitable in fiscal 2016.

We just need to make sure we do it in a well-paced manner and dont want to get too much ahead of ourselves, Chen said.

He said near-term growth would probably come from software and services such as the companys BBM messaging service. BBM has about 85 million monthly active users.

But the company has not given up on hardware. Chen said he was working to make BlackBerrys handset business profitable and that the company would launch new products including the BlackBerry Classic, formerly known as the Q20.

The BlackBerry Classic features a keyboard, trackpad and a long battery life, Chen said. It is expected to be released in the fourth quarter of this year. The phone is also bringing back buttons for Menu, Back, Send and End.

He also announced that, due to customer demand, the company would continue manufacturing BlackBerry Bold smartphones. The older-model device runs the BlackBerry 7 operating system and has been popular in emerging countries.

BlackBerry still has a long way to go.

Its smartphone sales continue to be crushed by the iPhone and Android devices, with BlackBerry sales accounting for less than 0.5% of US smartphone sales during the fourth quarter of 2013.

Cutting expenses buys the company more time, said Colin Gillis, an analyst at BGC Partners. The company has a clear plan that makes sense to us, the question is whether the broader market will show sustained (or increased) demand for the products and services, or if the changed mobile landscape is going to keep driving rotation away from the platform.


T-Mobile customers dumping BlackBerry devices in trade-in program

Obama ditching BlackBerry? White House reportedly testing Android devices

John Chen outraged after T-Mobile encourages BlackBerry users to switch to iPhone




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Mail Online ad revenue up 51%

Mail Online grew advertising revenue by 51% year on year in the five months to the end of February, pulling in £23m, putting it just behind the £5m-a-month average needed to hit its target of £60m in revenue this financial year.

Mail Online made an average of £4.6m a month in revenue in the five-month period covered by a trading update published on Thursday, short of the £5m-a-month run rate required across the year to hit the target.

Mail Online missed its £45m revenue target in the last financial year – hitting £41m – and requires an average of 46% growth on that figure across 2014 to hit £60m.

The 51% rate in the first five months of DMGTs new financial year bodes well for Mail Online hitting its numbers, however the company admitted that late February through to mid-March had been tougher due to the year-on-year change when Easter fell.

The performance of the site, which is on the brink of passing the 200 million monthly browser mark, more than covered the print advertising decline at the Mail titles over the five-month period.

Mail Online grew digital ad revenues by £8m, from £15m to £23m, while the Daily Mail and Mail on Sunday saw print ad revenues fall £2m from £86m to £84m.

The newspaper operations form part of DMG Media, the division which also includes operations such as recruitment business Evenbase and deals service Wowcher,

DMG Media reported an overall revenues fall of 1% in the five months to the end of February.

Within this, advertising revenues rose 3% year on year, while circulation income fell 4%.

In the four weeks since 23 February, total underlying ad revenue fell 7% year on year. DMGT said this is in part due to the fact that Easter falls three weeks later in 2014 than in 2013.

o The headline, standfirst and text of this article was amended on 28 March 2014 to make clear that Mail Online is on track to meet its target of £5m a month in advertising revenue

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