Glossary of PCI Terms

Here is a glossary of terms associated with PCI.

Approved Scanning Vendor (ASV)

In order to be PCI Compliant, you will require a successful scan certificate from an Approved Scanning Vendor. An ASV will certify you that you are up to all the technical requirements. ASVs are enlisted by PCI SSC on the basis of their performance.

Audit log

It is the record of activities of system up to a certain date; but it should have enough details to track back sequence of events that go from the beginning of transaction to the end.

Card holder Data (CD)

Cardholder data contains full Primary Account Number (PAN). Cardholder data also contains the following information:

· Name of the Cardholder
· Expiration Date
· Service Code (optional)

Card holder Data Environment (CDE)

It is an environment containing all the processes and technology including the people that process, transmit or store customer cardholder information or authentication information. CDE also includes connected system components and virtualization technology like applications, servers etc.

Encryption

The conversion of text into coded form is known as encryption. Only the people having the specific decrypting codes can get access to such data and only through a specific cryptographic key this data can be accessed. This puts a barrier between unauthorized disclosure and the encryption and decryption process.

File Integrity Monitoring

This concludes if the files or logs have been changed or altered in any way. When specific important files or logs are changed, PCI sends notifications and alerts to the security personnel.

Firewall

This technology keeps the network protected from unauthorized access by limiting or stopping traffic among networks having different security level based on specific criteria. Hosting options of PCI Compliance has various types of firewalls, including dedicated firewall appliances, virtual private firewalls, and shared firewalls.

Intrusion Detection Service (IDS)

This is the software or hardware that gives alerts about network or system intrusions. This system might have alert sensors, a centralized logging system and monitoring options to keep track of events.

Intrusion Prevention Service (IPS)

It is same as the Intrusion Detection Service, while IDS detects the intrusions the IPS tries to prevent the intrusions or possibly block the intrusions detected by the IDS.

Penetration Test

This is a test conducted on applications and network and also on processes and controls, to check any vulnerability and to know about how much at risk is the security and how openly can security be accessed or breached.

Primary Account Number (PAN)

The Primary Account Number is also known as unique payment card number or account number that gives details about the cardholder account and the issuer, it is used for either credit or debit cards.

Private Network

Private networks consider using private IP address space and their access must be protected through firewalls and routers from a public network.

Service Provider

Service provider is a non-payment brand entity that processes, stores or transmits payment cardholder data. Any company that affects the security of the payment cardholder information is included as the service provider, i.e. a company providing management services or a company providing hosting services by managing firewalls, IDS, etc.

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How Technology Advancements Has Its Impact on Us

The advancement of new technology has been taking place since the beginning of human history. From the invention of items like the spear and knives made out of rocks and sticks to aid in the capturing and killing of animals for food, to items like the first printing press and the computer. The question: are the impacts positive or negative?

Technology is a word used to collectively describe or portray the advancements, abilities,creations, undertakings, views, and knowledge of a singular group of persons: we as human-kind. The advancement in technology has been exceptionally fast in the 20th and 21st century. With electronic technology and machines being produced and improved all the time, it was very likely that along with the positive aspects of these new advancements, people would also consider the negative aspects and look to criticize new technology.

A Positive Side

As the old age states "NECESSITY IS THE MOTHER OF INVENTION" i.e. necessities tend to spawn inventions and each invention is annexed with the need of betterment and transmogrification. Newer and newer advances are happening by the day. Technological change is in large part responsible for many of the secular trends in such basic parameters of the human condition as the size of the world population, life expectancy, education levels, material standards of living,and the nature of work, communication, health care, war, and the effects of human activities on the natural environment.

Other aspects of society and our individual lives are also influenced by technology in many direct and indirect ways, including governance,entertainment, human relationships, and our views on morality, mind, matter, and our own human nature. Needless to add that these advancements also invigorate economic development as the effective use of technology reduces the material production cost and the overhead charges which generate savings in the economy and thus lead to national development.

And the Negative Side

Problems and potentials often go hand in hand; Society has become more and more dependent on technology. So much so that we sometimes lack the willingness to think before we act. We become impatient if it takes more than a few seconds to download a copy of the morning news paper. We expect immediate responses to our email, and we expect someone to answer their cell phone whenever and wherever we call.

Technology is making us so bust that we can can't even find time to spend with our closed one's. it would be surprising to know that people are in contact through chat and online messaging though they are in same city because they think its more faster and effective but they are forgetting that meeting personally can never replace online chatting.

"technology in sum, is both friend and enemy"

Neil Postman, author of the book called Technopoly, writes that 'technology in sum, is both friend and enemy'. He can see the benefits and how technology can be seen as a friend to humanity that 'it makes life easier, cleaner and longer'. He can accept it does humanity good. It's almost a positive claim based on technology like medical advancements such as x-ray devices and medical drugs that help to lengthen life and help humanity. This is a very positive aspect of the advancement because we can improve health and lengthen our lives. But these medical advancements are mainly produced by companies, who then choose to monetize the advancement. Moral responsibility is weakened by this greed for money; they have lost the objective in saving lives or making people healthy again. They are only creating advancements in technology in order to make a lot of money.

Neil Postman also sees technology as undermining human processes as well. That technology creates 'a culture without moral foundation' and undermines social relations between humans. This can currently be seen with the argument over social networking sites on the internet. It was created for people to communicate and network, yet some people use it as their only form of communication with other people. This doesn't necessarily help their social skills in the real and outside world away from the internet. People can become addicted and reliant on this technology and use it as their main form for creating social relations. It makes things like understanding facial expressions and body language hard to grasp.

Conclusion

If technological advancements are put in the best uses, it further inspires the development in related and non-related areas but at the same time its negative use can create havoc in the humanity or the world. Technology has, and will, change the moral fabric of humanity; it is up to the present generation to heed this warning and not allow such societal travesties of immense proportions ever to occur again Technological Advancements will continue to advance rapidly as we move into the next millennium. What is important is to ensure that these advances benefit humanity as a whole...

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Where Do You Go to Get PCI Compliant?

PCI, also known as PCI DSS which stands for Payment Card Industry Data Security Standard, is an industry that runs the standards and the measures of security of businesses that transmit, store, process, and accept credit card information. Organizations that are PCI Compliant don't get much data breaches, which lead to exposure of cardholder data. If you own a business and it deals with credit card payments then you are required to meet the PCI DSS standards. You can become PCI compliant by asking your card brand to lead you through the process.

The PCI Security Standards Council is a group that studies the uprising PCI security issues and hence develops programs and standards to get hold of the reliability of payment card system.

Categories of PCI compliance

PCI Compliance is divided into six main categories:

· Access Control
· Data Protection
· Monitoring
· Secure Network
· Security Policy
· Vulnerability Management

Access Control

Put Access Control into practice. Limit the password access to your system, every employee should only have access to the password he needs for his job only. Explain them that it is best for both customers and employees. If your business gets breached then investigating the matter will be easy due to restricted access to network.

Data Protection

Keep the data protected and save the physical records of customer and cardholder information, either by a physical lock and key or a card system. If your business includes manual processing of credit card then limit the access to receipts and slips by locking up them safely. If the data is stored in your network then it should be encoded and kept behind the company's firewall.

Monitoring

Monitor your network by providing each terminal and user a unique ID number. This way in times of a breach IT professionals will find it easy to know from where the attack took place.

Secure Network

Create a secure network by keeping your firewalls updated and working. Under no circumstances let your firewalls go down and don't give employees permission to disable firewalls for any reason.

Security Policy

Make a security policy by changing the passwords every now and then. As soon as the passwords are given by vendor change them immediately. Apply same password change policy on your employees. Change your passwords on a regular basis as instructed by the vendor.

Vulnerability Management Program

Develop a vulnerability management program by keeping your system protected with the correct anti-virus software. Also prohibit the addition of software like games that might compromise the system.

Penalties for PCI DSS Violations

It is better to understand that what might happen if PCI DSS requirements are violated. A business that is not PCI Compliant is most likely to pay fines, sanction and is likely to end up losing his rights from processing credit card information. If being non compliant results in data loss; then the business is likely to pay higher fines and some additional huge fines from the credit card brands and banks. Businesses not being PCI Compliant might subject to lawsuits and governmental actions for not being able to protect customer data.

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Craze Of On-Demand Apps: It's Booming And Is Here To Stay

Mobile applications development companies have been well answering to the call of on-demand economy and sweating it out to build apps that will get services to the doorsteps of consumers. When in need of a car to ride away or a maid to take care of their homes, people today can just go through their mobile screens, open an app and hire the same. While the on-demand economy will thrive because it is making daily lives of people more resourceful by providing them great convenience, there are multiple business sectors that are leveraging the idea of on-demand apps.

Let's discuss some of the prominent business areas where on-demand services app is playing its part well and generating new revenue streams for the entrepreneurs.

#1 Local services

The story of on-demand services started out when some local shops or food stores started delivering their products on the doorsteps of consumers staying with a proximate range. App has been the medium for customers to view their products and place orders.

Following the trend, many big and small food-centres, grocery stores, clothing and retail outlets started out with their own on-demand deliveries. Major triggers for the customers to use their apps are the comfort of shopping from home, bit cheaper prices, can search over a range of products, and can even shop from the stores which are not at a convenient location.

#2 Personal Utility services

Use of on-demand apps also shore up tremendously in the realm of personal utility and healthcare services. Apps in these segment include services of stylists, fitness trainers, therapists, body spa, tailoring and so forth. While to avail any of these, people earlier have to either walk into the services centres or call beforehand to get appointments, with apps they are now getting all personal and healthcare treatment at their homes.

With easy-to-use apps, people can now view the types of services offered, hire an executive and get themselves served. Even payments are going cashless with such apps, as customers have the option to make in-app payments using credit/debit cards.

#3 Transportation

There's no stopping to the evolution of on-demand services in travel and transportation. Perhaps the fastest growing type of apps business, 'private cars on hire' is the recent buzz of all metropolitan towns and cities. Also available with facilities of pool or shuttle, on-demand cab services are gradually overshadowing the conventional taxis, available less and from the stands. Contrary to this, people can now hire a cab right from their present location. They get to see the cabs available in their proximity via the app and tap on 'hire' to get themselves picked up.

#4 Homecare Services

There's more of the on-demand apps! Apart from personal care, they are now available for different household services including laundry, home cleaners, cooks, electricians, plumbers, babysitters, pet sitters, etc. So, instead of searching for services providers from different sources and approaching them personally, they can use apps. They are performing the role of a middle-man between the homemakers and the services centers. Furthermore, with such an app, service providers can now tap profits from the distant markets apart from the locals.

To cut it short, on-demand mobile applications development is booming fast. Even before companies can realise what an on-demand app can do to their business, consumers are getting crazy over the trend. And, why not? Those apps are like mini-guide in their pockets, helping them get what they want in minutes. Soon a time may come when people won't venture out of their homes to look for a service or product.

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Website Value Appraisal: How to Evaluate Your Website's Value

Although there are many tools for calculating a website's worth online, they may not always be accurate. It is for this reason that you ought to understand how to evaluate the value of your website. For example, some of these websites use only income gained from Google AdSense. This is wrong because numerous websites have many other income streams other than Google AdSense. Secondly, income from Google AdSense cannot be considered the standard of measuring ad income since it's actually very low.

Another factor that has been wrongly used to measure the value of a website is Alexa ranking. Although this is a widely used measure, it is mainly based on the amount of traffic to a given website. To be considered, users must have an Alexa toolbar installed. This eliminates the count of many other visitors to a given site. Secondly, a high number of visitors to any given site does not necessarily equate to a high income. Income is mainly based on the business model that any site employs.

Accurate Methods of Determining a Website's Value

Although these methods may appear tedious, they are the best approach in determining how much a website is worth. Another factor to bear in mind is that only a website's owner can accurately calculate its worth. This is because only he or she has custody of the website's data.

1. Amount of Revenue Generated

There are numerous ways to monetize a website. The most common include:

• Offering ad space - examples include AdSense, Infolinks, and affiliates.
• Product sales - examples include eBooks, brand caps, and T-shirts.
• Subscription based payments - examples include online courses and membership based resources.

A website that has these, or any other way of generating income can be valued based on the amount of money it generates daily, monthly, or yearly.

2. The Age of a Website

This offers additional value to a website because search engines, especially Google place more value on it. This is based on a number of parameters including:

• Brand recognition - the older a site is, the higher the possibility that it has grown into a known brand.
• Number of backlinks - older websites have more backlinks that newer ones meaning higher traffic.
• Trust - People will definitely place more trust in an older website than one that has just been created.

Although there may not be a definite monetary value, age places an older website at a higher value.

3. Domain Name

The factor you should consider here is the market potential of the domain name. A domain name can determine a brand's competitiveness, marketability, and SEO. An easily recognizable domain name is easy to find and remember. This automatically translates to higher traffic and therefore higher potential income.

4. SEO Analysis

Websites vary greatly in terms of the way SEO has been applied. A site that has high quality SEO is definitely more visible than one that doesn't. As such, it will be of higher value.

5. Web Content

There are websites that automatically attract numerous visitors, including unique pageviews due to the quality and the value of their content. One such example is a news site that is well written and has new content every day. Others are educational sites. Such sites will bear higher values owing to the value of their content. This is also an indicator of the amount of work that has been put into building the site.

6. A Website's Assets

These are all the additional features that a website has in addition to the basic structure. These can include:

• An advanced theme
• An email list
• Professional type plugins
• A premium domain name

7. Traffic

A website that attracts a high amount of traffic has a higher potential of business than one that doesn't. The higher the traffic, the higher the market value.

Top 5 Free Website Worth Calculators

The tools listed below are some of the best free tools for checking a website's worth, based on the parameters they use.

1. Website Value

Website Value is free website value calculator that helps rank and estimate the value of your website using Alexa and Google rankings. Plus, it is able to estimate how much daily ad revenue your website brings in.

2. Website Outlook

This site evaluates the worth of a website based on Alexa Ranking, Dmoz listing, revenue from ads, daily page views, and so on. It is popular because it also offers suggestions on how to further improve the value of your site.

3. Your Website Value

The Your Website Value team brings 18 years of experience to help you appraise the worth of your website. It shows your web traffic graphically and also gives you a score based on how fast your page loads so you can troubleshoot potential drops in user traffic based on speed performance.

4. Website Value Calculator

Values not only scores your website but also gives you the name and value of the top websites online so you'd have an idea of how your site compares to more famous names like Google or Twitter.

5. Site Price

This is a free tool that uses an assortment of factors to calculate the worth of a given website. Its key pricing parameters include:

• Number of daily visitors
• Backlinks available
• Visibility within search engines

BiggieTips - Tips and Tricks for your daily life ( http://www.biggietips.com )

We are dedicated to BIG TIPS to help you get things done more efficiently. You will master how to do everything in a bigger way and live smarter. Topics include Home, Health, Lifestyle, Travel, Technology, Entertainment, Business and Video.

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The Importance of Knowing and Following All YouTube Rules

As it was formerly pointed out, if you are preparing on submitting videos to YouTube and sharing them with other web users, you are more likely to discover a bigger number of guidelines to follow. YouTube motivates you to utilise care when making your videos, as you never ever truly understand who will be seeing them. Not just do you have to stress about online predators seeing your YouTube videos, however you likewise have to fret about law enforcement doing the exact same thing.

In connection with your YouTube video material, you likewise require to make sure that your video material is in fact yours. In current times, there have actually been numerous circumstances where YouTube made it on the news for having a big number of copyright products on their site. You will desire to make sure that videos you publish online were really made by you.

If you are, you will require signing up for a complimentary YouTube subscription account. In a matter of minutes, you can be on your method to ranking or evaluating the YouTube videos you enjoy or even submitting your own videos!

In a matter of minutes, you can be on your method to ranking or evaluating the YouTube videos you enjoy or even publishing your own videos! YouTube is a lot of enjoyable, whether you are just interested in seeing videos or if you desire to publish your own, YouTube, like all other online sites, have a number of limitations and guidelines. Must you forget your YouTube login info; you must be able to follow YouTube's guidelines to obtain your YouTube indication in name, as well as your password.

Another guideline that lots of video watchers have to follow issues leaving remarks on YouTube video pages or getting involved in the YouTube online forums. In connection with your YouTube video material, you likewise require to make sure that your video material is really yours.

If you are just interested in enjoying YouTube videos, not always submitting your own, you will discover that there are fewer guidelines and constraints for you. Need to you forget your YouTube login info, you ought to be able to follow YouTube's guidelines to obtain your YouTube indication in name, as well as your password.

The above discussed guidelines are simply a few of the lots of that you might be anticipated to follow when utilising YouTube. If you sent a video that went versus YouTube's standards, your video might be gotten rid of.

Another guideline is that numerous YouTube video watchers have to follow issues leaving remarks on YouTube video pages or taking part in the YouTube online forums. Whenever you leave remarks for a YouTube video submitter, you are encouraged to utilize your finest judgment.

YouTube is a lot of enjoyable, whether you are just interested in seeing videos or if you desire to publish your own, YouTube, like all other online sites, have a number of limitations and guidelines. It is not just essential that you understand those guidelines, however that you follow them, as there are a variety of repercussions for not. Simply a few of the guidelines imposed on YouTube are detailed listed below.

1. You should only have one email address linked with your account.
2. You should certainly not post duplicate content.
3. You should always make your videos applicable to its title & keywords.
4. You should not ever purchase views.
5. You should certainly not ever use software to add ratings, comments, or friends automatically.
6. You should not use irrelevant keywords
7. With YouTube's new insight feature, they are following the attention people are giving to each video. YouTube can understand this and then easily assume that your title is very relevant to the information on the video if people are watching your entire video.

8. The Google search ranking rules of providing good, decent and, accurate content that generate public attention are exactly the same rules that You Tube is using as well so bear that in mind when choosing the title.

So these are all some common stipulations you should keep in mind before publishing any video in YouTube.

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Is Google Duplex the Reason Why Siri Is Crying Herself to Sleep?

Artificial Intelligence comes home.

Google Duplex is an extension of Google Assistant that connects users to businesses as unveiled by Sundar Pichai during Google I/O conference early May 2018. It can make phone calls to real humans. Many of us have been using the Google assistant for some time now and are excited by the freedom and power it brings along.

Deep recurring neural network that makes use of Wavenet natural speech synthesis technology including lip sounds and breathing allow these realistic conversations.

Google Duplex has been launched as a simple 'booking system' that books appointments on your behalf with real people. The conversations could be straight forward or complex as demonstrated in the conference.

It not only understands context and nuances but also responds like a human with pauses and filler words - "mm-mms" and "aha-s".

Sometimes these words give time to computers for processing and at other times they just mimic real humans. It not only nails accents as well, but also handles interruptions, elaborates and responds to audio issues. Deceitful? Well maybe. Some people are raising concerns on ethical grounds but that's a discussion for another day.

Does it pass the Turing test?

The Turing test, developed by Alan Turing in 1950, is a test of a machine's ability to exhibit intelligent behavior equivalent to, or indistinguishable from, that of a human. Turing proposed that a human evaluator would judge natural language conversations between a human and a machine designed to generate human-like responses. The Turing test was originally meant only for text conversations, but Google Duplex has taken it to another level passing it for voice.

In the domain of making appointments, it passes the Turing test.

The scope as stated by Google is currently limited to bookings or enquiring about opening hours and cannot hold real conversations. But we feel it is the tip of the iceberg.

There's more... Here's why.

Google DeepMind's AlphaGo beat Lee Sedol the world master of the ancient and complex Chinese board game "Go" entirely by playing against itself. It achieved this feat by a self-learning technique known as 'reinforcement learning' with no tactical guidance and studying from moves of human experts.

So, Google, in principle, has the know how to further develop Duplex to a much more complex level cutting across accents, contexts and languages and is far more capable than portrayed; so, where does this leave the telemarketers and call centre industry?

In conclusion, it is an incredible technical achievement and super cool seamless implementation of AI in the real world. It is really exciting because we are at the brink of a brand-new era where AI, neural networks, machine learning, pattern recognition merge, opening doors to possibilities beyond imagination.

Before we leave, consider this scenario...

Wife: OK Google. Can you tell me where my husband was last night?

Google: mmm... Sure. I reserved a table for two for him at Michelin star restaurant Le Bernardin in New York. He also purchased a diamond bracelet from Tiffany and paid by MasterCard.

His GPS positioning also confirms that he was there till 1 am. I also heard him invite his friend, Clara, for a nightcap.

Shall I book an appoint with your family lawyer?

OK!! you can take a sigh of relief for now and prepare for the future as it may take a while for commercial roll-out for wide range of users. It has concerns and pitfalls, but one cannot ignore the fact the AI is going to be a part of our day-to-day lives soon, real soon.

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How to Create High-Impact Content in the Age of Distraction

We've got competition. It's called the Internet. And it's changing the way people read - or don't read - our content. It's more difficult than ever to create content with impact for audiences suffering information overload.

Here's the backstory: Clickbait may have been around for over a century (at least according to this take), but its new supercharged identity is entirely Internet-enabled. The minute someone figured out that loads of clicks meant greater online ad revenue, getting traffic became a key priority - outweighing telling the truth, delivering meaningful insight, or adding any sort of value.

Clickbait works by pandering to our worst impulses: immediate gratification with very little work. We compulsively click headlines like "Don't ever eat this one food" despite rationally knowing the actual piece will be sensationalism at best and completely off-topic at worst.

And the worst bit is we're all in this together.

As Derek Thompson writes in The Atlantic,

"Media companies are desperately trying to get your attention and the headline tropes you see the most tend to be the headlines readers click the most. We are all in this together, one perpetual spin cycle of perfect responses, all-explaining graphs, and amazing truths, and you know exactly what's going to happen next."

As writers, clickbait makes our job very difficult by spamming the playing field till people have useless content seeping out of their pores. In such a milieu, it's incredibly difficult to write high-impact content that's also ethical and adds value. But there are ways to do it.

Know Your Audience

Don't write general stuff that tries to appeal to the widest possible audience. Instead, write for specific audiences. Who are they? Where are they? What unites them? And, most importantly - what do they want to read? Once you have an audience in mind, try and understand what their pain points are. A pain point is basically something your audience is searching for a solution to. Once you know what answers people want, you can serve up relevant content that people actually read.

Take this very site, for example. It's not meant for everyone between the ages of three and three hundred. It's not meant for zookeepers and race car drivers alike. Rather, it's a place for writers to talk about writing, and the challenges associated with the creative process. Content that talks about writing, and offers value to writers, will do well here.

Go Very Specific

Ever put in the first word of a search in Google and read what comes up on the autocomplete? That alone tells you that a) people are wonderful, diverse beings who often ask Google rather weird things and b) many search queries are very, very specific.

So, what if you wrote something about a very specific topic that people were searching for?

Here's an example: There are a million people running gardening blogs writing about bougainvillea. If you write a generic piece about that lovely plant, your article will be utterly lost in the crevices of the Internet, drowned out by thousands of others.

But if you wrote a specific remedy that protects bougainvillea against a specific blighting fungus, you'll get a loyal coterie of gardeners battling that problem to hang onto your every word. What's more, they'll come back and read other gardening articles, too.

Going very specific also works well with Google rankings - meaning your content shows up higher, and attracts more eyeballs.

Give People What They can Handle

Readers want different things. Some are really time-poor, and only want to skim-read. Others want a bit more. And still others want an in-depth analysis. The best way to create impact is to give all these readers exactly what they want.

How? By using the handy bite, snack and meal approach. It's a food metaphor where your menu (or article) has dishes that satisfy all levels of hunger, leaving the choice up to the customer (or reader).

• The Bite

Just a taste. For the readers who just want the bottom line and fast, summarize

everything you're saying in a heading and blurb carrying your key message.

• The Snack

A little light something. For readers that have a little more time but are unlikely to throw themselves into an article the length of "War and Peace," create a paragraph with your main talking points.

• The Meal

A main course for readers with an appetite. Offer up a full and hearty meal to those hungry for your words, going into a bit of detail, offering supporting evidence and adding as much value as you can. But remember, keep things simple, because simplicity in writing often creates better impact.

Just as a restaurant menu carries all these options together, so must your content have all three options in the same place - with a heading and blurb on top, the main argument presented in-depth, and a little summary at the end. Then, let the reader choose.

Creating high impact may not be the easiest thing in the world, given the cacophony our readers are surrounded by. But, it can be done. Happy writing!

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First Week On Fiverr ($500 Earned)

Fiverr is a freelancing platform designed in Israel to provide users with the ability to purchase "gigs" for as little as $5.

Launched in 2010, the service has grown exponentially thanks in part to its availability to digital marketers - everyone from SEO's to Amazon FBA power sellers outsourcing menial tasks to the experts offering their services through the platform.

By 2015, stories began to emerge of service providers making substantive revenue/profit from the system, with one - SPXMAC - reporting $40,000+ revenue per month (a remarkable achievement).

With this in mind, people with genuine skills, experience and expertise to offer have been drawn to providing their services through the system, me included.

To this end, I felt it appropriate to share some of the progress I made with the platform. It's not a huge amount but might give some people insight into what works and what doesn't.

Fiverr's Online System (How It Works)

The most important thing to appreciate with Fiverr is that the provider has to create the offer for the client.

Whilst there are many other "freelancing" websites, they rely on the client putting up jobs/gigs and having providers facilitate by posting proposals. The client will then sift through the proposals and make a choice.

Due to the opposite nature of the Fiverr system, it's opened a new way in which the "freelancing" system works.

Rather than pitching for work, the service provider is essentially able to provide a number of "products" / "services" through which they're able to give buyers a more structured, systematic set of work.

For example, if you're a logo provider - you'll be selling your "logo design" service for $150 - to which buyers are able to come, ask questions and purchase.

The point is that this new model is different, and in many cases better, than the previous. It puts the entire focus onto the product/service being offered, and encourages the provider to systematize the delivery process as much as possible - allowing for even higher quality, cheaper prices and more effective service provision.

If you're looking to create effective (profitable) products/services to list on the site, the key is understanding what buyers are actually looking for, and being able to facilitate that in the most streamlined way. This is where I began with my service offering.

Products / Services To Sell

Obviously, every marketplace / platform has its winners & losers.

The most important thing I have found on the platform is that there are really "two" ways to go about listing products/services:

1. List products / services based on your experience - if you're a graphic designer, create the likes of eBook covers, logo designs or website templates for menial fees
2. List products / services based on market demand - as mentioned, many "digital marketers" use Fiverr as a source of inexpensive, but high quality, services for their growing online businesses

The first is likely going to take longer to bear much fruit; the latter will be much faster, but allow for less creativity in the offering.

I tend to try and blend the two - identify what's popular and put my own slant on it.

Some of the most popular listings I've found are "Amazon Product Listing Descriptions" writing services. The most successful of these is "SPXMAC" who make upwards of $30k/$40k per month.

There are presently 3 providers of this service, typically receiving between 15 to 30 orders per day for their gigs. SPXMAC is definitely the leader.

My Experience

To explain, I didn't do this under my own name; I helped a friend get set up and we shared the profits.

To do this, I started by listing a number of general services on the Fiverr system based on my friend's experience in the real world (he was involved with finance).

We began with article writing - imagining that a number of high end "finance" blogs (who relied on quality, accurate and up-to-minute content) would be willing to hire an expert who had been involved with a large number of transactions, trades with a private consortium in London and is very well versed in technology as well.

I wrote out a profile listing which explained his work in the industry, his experiences and (importantly) why he was listing his services on Fiverr.

For the last part, I explained that he was looking to expand his personal brand, and felt that writing articles for money would be the most appropriate way to do it. Rather than sending in guest posts, it would give instant precedent to whoever was making the purchase.

This seemed to go down relatively well (with a number of blog operators buying his articles and using his name/face as an "author" on their sites).

In terms of the products we offered, the first thing we tried was a "Forex" article writing service. This wasn't overly popular, as it's a very crowded market and typically works in cycles (IE when the USD/GBP currency pair drops etc).

The thing that did extremely well was "crypto" articles - which we wrote for $25 for 10. This was very low, but allowed us to gain some progress in terms of the reviews / feedback on the system.

Most people who bought the packages would just let us determine which articles to write (we wrote mostly about the current trends in the market, the importance of blockchain, etc) - and began focusing on scaling up as much as possible.

The "crypto" articles were a good run (we made $500 each in the first week) but it was unsustainable at such a low price. We both got burned out, and as such we decided to increase the pricing somewhat - which significantly curtailed the amount of interest/throughput.

Nonetheless, the feedback earned and the quality of buyers improved significantly although the frequency of purchases did diminish.

Recommendations

The biggest thing I've found with my time online has been to use your own face.

I've done a number of things in the past under pseudonyms. Some of these were legit (running the second largest Webkinz site), but the majority were simply because I didn't want people to find out what I was doing.

Whilst this was a legitimate reason to cover up my identity, the simple truth is that it prevented me growing very quickly at all. To this end, one of the key things I started to do for my friend was emphasize the importance of owning your name - ensuring that you put forward your unique experiences, ideas and expertise as the core essence of why someone should consider you.

If you do decide to get involved with Fiverr, I would suggest that it's one of the few ways you can actually "own" your name online by providing actual content. Think of it as an extension to the likes of LinkedIn or Twitter - a "social" touch point through which the "online" community is able to engage with you.

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Why It Pays to Have a Multiple Quote Website

Why it is necessary to get a reliable insurance company in today's world: there are certain straightforward trademarks of all insurance companies, through which we can distinctly differentiate between them.

• Go through the reviews of well-reputed and creditable resources which can assure you that the insurer you are opting for works for your benefit and secured contentment.
• Shop around for comparison because there might be companies in market providing premium policies at a dirt-cheap rate, but many a times those companies aren't legitimate. So, go through policy details and settle for that particular insurer who facilitates all coverage without cutting down the market rate to 50% but at the same time is comparatively cheaper.
• Lastly, consider experience as the most important trait of the insurance company. Check their expertise in the field you are concerned about, and if their issue of license has a greater number of years in terms of longevity, then go for it without hesitation.

Categories of coverage: A cobweb of insurance companies is present, offering insurance for multiple categories like:

Insurance for Cars: Two things every car owner should keep in mind while selecting the insurer:

1. While liability insurance is over-priced, the common policies are quite cheaper in comparison and some other policies are dependent upon the model of your car.
2. Never allow lapsing of the policy you are paying for.

Insurance for Homes: The most fundamental and common homeowner insurance policies cover at least four of the following criteria:

1. Coverage that shields your home.
2. Coverage that protects other liabilities.
3. Coverage that guards personal properties.
4. Coverage for the surplus living cost one has to pay in life.
5. Coverage for undone properties.

Insurance for Health: In this resilient economic condition that we are living in, there is one insurance policy called HDHPs or Catastrophic Health Insurance policy on which every consumer is banking for fortification in emergency situations.

Life Insurance: Points to be noted when investing in life insurance premiums:

1. Check your financial service aids from which your family can draw.
2. Write down a rough description of all your long-term financial requirements.

For some companies, there isn't one particular website for all the information on these categories. Hence, digging through multiple sites and reading along the lines of criteria for multi-categories of policies is tedious and difficult.

So, for all the purposes mentioned above, you need a website which contains concise and updated information on multiple insurance quotes.

The kind of information available on multiple quotes websites: The procedure for proper operation of the websites varies, but the end result remains the same, which includes the following:

• They are equipped to present us with the perfect coverage plan according to the basic details about us and our personal requirements.
• Easy comparison of multiple insurance quotes so that every doubt is clarified and we choose the optimum and ultimate plan for our own benefits in terms of long term protection.
• Based on the range of rates that we have set for us, we get both variety and reliability in the form of information proffered by these websites.

Use Multi Quote Time for all the information on UK insurance companies. It gives an unbiased version of the appropriate options for you.

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How To Look Professional Online

There are billions of people who are using internet for professional purposes. It is called online reputation management. No matter what field of work you are in, online content is powerful in making and marring the image of a person. Though no specific rules define professional behavior online but it is advisable to follow some basic steps in order to look more like an expert and less like an amateur. Here is a guide to help you put your best foot forward on the Web-

The best stands out

The internet does not filter out items you don't want other people to see. If somebody key in your name into Google then it will deliver the most relevant results. So, load the web with professional content that reflects well on your name.

Maintain your reputation

Your privacy and reputation should be taken care of. This process is time consuming but try to dedicate some time to find out and remove dubious content. For e.g. If your friend an objectionable photo on Facebook, try and remove the tag yourself. Make sure, no questionable content should be available related to you on web. Though it is virtually impossible to entirely remove the content once published online but your best option is to keep negative materials from ever hitting the web at the first place.

Protect personal information

Protecting password and other vital information is of supreme importance on the web. If anyone gets access to your account, it may ruin things beyond repair. People get victims of identity theft, sometimes financial resources get stolen and other times computers are hacked. So, the password should not be easy-to-guess thing. Keep on monitoring all accounts on daily basis.

Branding is must

Maintaining online reputation is not just being safe about your data but think of your online reputation as a product that needs to be marketed continuously. Creating a business fan page on Facebook, joining professional sites like LinkedIn, writing a blog are some of the effective ways to manage your professional presence. It will be great if colleagues and clients review your services or goods. Honest reviews are powerful. Never forget smart web surfers can quickly spot fake reviews. Try to be consistent with messages and profiles. While writing content, make sure you use the same logos, slogan and even fonts. When anybody offers criticism, respond amicably and figure out the solution to solve the problem.

Cash your expertise

It is important to be online to pump up your reputation in unlimited ways. There is no better way to present yourself as a well-rounded, trustworthy professional than blogging about a topic that interest you. This initiative will help you establish as an expert on a relevant subject. Even you are not among world's top experts but putting a thought and value into online content is always appreciated.

The internet memory is accurate

Internet never forgets. If you put write anything online, it is there forever. So be cautious and vigilant what you are feeding it. Not everyone is happy with the internet's long memory but your vigilance is your best protection.

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6 Easy Ways To Improve The Credibility Of Your Website

Website credibility is a key factor that no small business owner can realistically afford to ignore as it affects sales and customer engagement.

Without a reliable, credible website your ability to:

• Maximise your sales.
• Effectively interact with your customers.
• Communicate your value to prospective customers,

becomes difficult and limited.

Think about your own experiences shopping online. What are some of the key reasons you have abandoned an online shopping cart?

• The website payment gateway wasn't secure.
• Postage or shipping charges where not disclosed till near the end of the transaction and were too expensive.
• No physical address that you could easily find on the website.
• Customer service phone numbers and email addresses where difficult to find.
• The website 'returns policy' was non existent or difficult to find.
• The above are just a few reasons why web visitors might abandon a shopping cart. If a prospective customer doesn't think that they are dealing with a professional, trustworthy, service provider, the chances are they won't complete the online transaction.

Here are some easy to implement changes that can help improve the credibility of your website.

How to boost your website credibility

1. Easy to access customer service

Make sure it's easy for people to get in touch with you via your website. Remember customers like to have customer support options. For example:

• Phone support
• Email support
• Live web chat

Making it easy for customers to get in touch with you means they can quickly ask a question about your product or service. This makes it more likely that they will make a purchase as it helps them to feel more secure knowing they can easily get in touch, if they have a problem.

2. Include your contact details

Put your contact details on your website. Sounds simple right? You would be surprised how many websites don't! At a minimum you should include your phone, email, and a physical address even if it is a PO Box. Often when we can't find contact information on a website we immediately wonder whether they are hiding something or why are they withholding this information.

Links to social media platforms such as Facebook, LinkedIn, YouTube or Instagram are also helpful in building credibility as they show that the business is trading and promoting itself on several platforms.

3. Reviews and customer testimonials

Google reviews, Facebook reviews and customer testimonials all help to create an increased level of social proof. This helps build credibility for your brand and your website. If you haven't added these social icons to your website I suggest you do.

4. Logos and security badges

Are you an accredited service provider? Do you have a CPA qualification or perhaps another well recognised qualification? If so, make sure you add these logos to your website. Including logos of well known institutes or industry bodies can help boost the credibility of your website.

If you run a product based business and sell online, security badges can be very useful too. If customers know that their online transactions are going to be secure they are more likely to provide their credit card details.

5. Articles and press

Don't underestimate the power of print media. Articles, editorials or mentions in the press are another great way to build your brand and create online credibility. Add these articles or add a link to them on your website. If there are some great images used in the article, share these on your website too, which again helps to build the profile of your business.

6. About Us page

An informative "About Us" page listing credentials and experience is also a great way to boost credibility. After the "Home page" the "About us" page on a website is one of the most visited pages. Therefore, if yours could do with an update, go for it.

Take Action - most are easy to implement

Most of all, many of the suggestions above are easy to implement so take a moment to review your website and evaluate if there are any opportunities to improve it.

Remember with the right knowledge and a can-do attitude, you can make the changes needed to help grow your business. If you are not sure what to do or need some help consider seeking assistance from a qualified marketing consultant.

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Webinars - A Guide to Creating The Perfect Webinars

With the ever-increasing technology in today's world, the demand for high speed information is at an all-time high, and along with this, the modes of information delivery are also increasing a lot more. With this increase has come a powerful new medium known as Webinars. The term for a Webinar is a "Web Seminar", which a live-streamed video conference that can be used for businesses and their employees over long distances, which can also be used for online video interviews and related services. Businesses that use this tool can boost productivity and efficiency, as it can cut down travel time and costs and allow issues and tasks to be solved quickly. In this guide, we will explain exactly what needs to be used to make a webinar work correctly, allowing you to break out into the crowd.

As stated above, a webinar is a tool used for live conferencing. This is not just limited to business meetings, but can also extend to business interviews, school and college interviews, marketing a product and even general Q&A's. However, using this tool can prove to be difficult for those who have no general idea where to start from, and with little to no experience, things could lead to be sloppy and unappealing for viewers which can lower traffic and interest. In order to make sure the experience is a pleasurable one, you will need to know a number of things that will help you expand your knowledge in the field of webinars. In this entry, we will be focusing on a specific aspect of webinars, which is marketing a product, item, or service to a particular audience or demographic.

As a first, arguably the most important aspect of hosting a Webinar is the equipment being used. It should be obvious, but a lot of people will quickly lose interest if the video quality is poor, as viewers will not want to spend their time trying to figure out what exactly it is they're looking at, quickly prompting them to be annoyed. The next item that may lead them to be just as disgruntled is the general audio quality. If the audio is choppy and inaudible, it will most likely render them unable to hear the opposing party, causing issues and possibly resulting in miscommunication. These issues can usually be resolved by simply acquiring a faster internet connection, as these can be the result of poor connection between both ends. However, if the issue still persists after this, it is more often than not a result of low-quality equipment, and it may be wise to invest in an external microphone and a High Definition camera.

Next, maintain a connection. When it comes to creating webinars, you are constantly competing for someone's attention. This is why it's important to make sure your content is both relevant to what the viewer is looking for, and just as important to make the webinars fun and entertaining as to make sure you keep the potential customer hooked in. On average, a general video viewers attention span only lasts ten minutes in, however with marketing webinars, it is an even smaller window. On average, you have only ten seconds hook in a viewer's attention and maintain it, as more often than not, if this attention is not held they will simply move on to the next appealing product that is being offered. This first ten seconds is crucial and critical. Start out with a relevant and relate-able joke, as a humorous tone will help draw in a viewer.

Finally, learn to keep it real. As stated in the previous entry, it can pay off to maintain a connection and relate with your viewers. This is to make sure you can hook in as much potential customers as possible. The more viewers there are, the more attention your webinars will draw, in turn, bringing even more viewers and creating an upward spiral of success. A good way to do this is being your webinars by introducing yourself with a real life story that will help our viewers to relate to you. By doing this, it shows that you are also a real and relate-able person, prompting viewers to be even more interested in your offers. You can also use the advantage of analytics as a tool. By inputting real life statistics into your webinars, this shows your viewers that you aren't simply trying to sell than item, but you are showing them a crowd of other customers that also believe they need this item. This can trigger a response in your viewers that lead them to be even more interested.

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How To Start An Online Business - The Secret Is "Service"

If you're looking to cultivate any sort of business endeavour - online or otherwise - the most important thing that I have found is the role of SERVICE in what you're doing.

Service is NOT an arbitrary word used to describe whether you respond to customer support emails - it lies at the CORE of what determines whether a business venture will become successful or not.

Putting this into perspective, if you consider what a "business" actually "does" - we've witnessed a stark shift from a "production" to a "service" based model over the past 15 years.

Fuelled by the connectivity of the Internet & developments in engineering techniques, the way to "be productive" in the modern world (particularly the West) is to provision new products and tools. How they get made should be a secondary concern (very little profit in it).

The key - as opposed to historic production - is that it's no longer the case that having "production capacity" is a major deal... almost everybody has access to that.

What people don't have is a MARKET into which to offer their products. This market (depending on which type of company you end up cultivating) will then determine the PRICE of the product and whether it's something they'll consider using.

The point is that if you're looking to "get into" business, the absolutely most important thing you NEED to consider is what type of SERVICE you will be able to provide as a professional. This service - applied using either your own products/tools, or someone else's - is the real secret behind why some companies "always" seem to grow, whilst the majority struggle.

This tutorial aims to explain how it works, and what to do if you're looking to get involved in the world of enterprise.

Service Makes The World Go Round (Literally)

Most people get involved with "business" because they have an idea they wish to pursue.

Perhaps they wanted to create their own clothing line, have some sort of "lifestyle" business (winery/farm etc) or get involved with a particular field (cosmetics / modelling) - the hallmark of "failed" businesses typically starts with someone's wistful desire to "work for themselves".

This is a lie. People don't care that you started a "business" and all the stories you read about a 12-year-old CEO who's onto his fifth company are only there because the publication wanted some fresh hype to keep its readers coming back.

The simple reality is that the MAJORITY of people are only moved by necessity. How "necessary" they deem a product to be to their life is how much value they'll attribute to it (and thus a price).

The way to ensure that YOUR products are bought is to create a necessity for its usage. Don't even think about "selling" it - [most] people aren't stupid; they'll attribute a price to any product they deem as essential to their life. No one ever quibbled over the cost of life-saving heart-surgery... and the same principle exists in every other business. People pay you in direct proportion to how much you actually "give a damn" about what you're doing.

The most important thing is to realize is that "service" sits at the CORE of what makes people interested in a company.

It's not their "products" or even their "staff" - it's what they DO on a daily basis which drives RESULTS. This "activity" is what the market recognizes - and is ultimately attracted to.

Think about it.

• Apple don't "manufacture" their products. They design them and come up with all the components etc. Their service is design.
• Tesla do "manufacture" their products because no-one else can do it as well as them.
• Amazon are really a digital logistics company - no one is able to store and send out as many parcels as effectively as them.

If you want to get into "business", come up with a RESULT that you can provide to a market.

• 10,000+ Twitter followers in the first 60 days
• 150+ YouTube subscribers in the next 90 days
• Conversational Italian in 14 days GUARANTEED
• Branding Lessons From Ferrari + Lamborghini
• CUSTOM SHIRTS get you laid; CUSTOM SUITS get you paid

If you're looking to "start" a business, the absolute BEST thing you can do is look at what people are ALREADY looking to buy (just browse the "best sellers" section of any marketplace).

This gives you a direct indication of *exactly* what they have a budget for (what they're willing to PAY for). This allows you to provide this RESULT as a service (IE in your own way) - giving you the ability to start attracting clients by virtue of how effective you are at providing said results.

The BIGGEST issue I've seen is leading with a product, or even "solution". I hear it all the time - "what problem does your business solve"... hardly anyone buying a product actually thinks they have a "problem". Rather, they are looking for a particular SERVICE that can be provided to them to improve their life in some specific way. Or - as Gary Halbert said - "your marketing should make their pupils dilate".

Think about it like this - which would you rather do business with: "The World's LARGEST Social Media Agency" or "The ONLY Agency To GUARANTEE 10,000+ FOLLOWERS In The NEXT 30 DAYS Or Your Money Back ". Whilst the former works for established businesses, the latter works for ANY business - especially new ones.

Notice how you're not actually selling anything about the "process" of how you achieve the results? This comes afterwards; you need to stipulate EXACTLY what the buyer is going to get for their time/money, which in the case of "social media" is followers. For SEO, it's #1 Google ranks and for "programming", it's to create a "RECURRING SAAS BUSINESS".

Obviously, the way in which those various results are cultivated is vital. But the irony is no-one cares about how you do it... as long as it's legit.

This is why some companies "always" seem to win - their "service" is based around the provision of particular RESULTS. They ignore (outsource) everything else.

If Starting A Business, It "Pays" To Focus On Service

In conclusion, if you're looking at "starting" a business - the key is to forget yourself and focus entirely on the underlying results you can provide to the client.

If you don't have the skills to provide said results, you need to get to work building them up (which can be done on the job).

Think about every transaction from the perspective of what you can add to the engagement. Don't be afraid to "give away the family silver" (in terms of "secrets") - 99% won't compete with you, and the one guy who will rip you off will jump onto the next fad he finds.

The key thing you need to do from an enterprise perspective is to identify the various "services" which you're either able - or capable of - providing for anyone with the right budget.

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