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	<title>toddkenefsky.com &#187; Tips</title>
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	<link>http://toddkenefsky.com</link>
	<description>Todd Kenefsky The Business and Finance Expert</description>
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		<title>Seo India: Tips To Avoid Google Penalty Or Google Sandboxing</title>
		<link>http://toddkenefsky.com/seo-india-tips-to-avoid-google-penalty-or-google-sandboxing/</link>
		<comments>http://toddkenefsky.com/seo-india-tips-to-avoid-google-penalty-or-google-sandboxing/#comments</comments>
		<pubDate>Wed, 12 May 2010 11:27:07 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Avoid]]></category>
		<category><![CDATA[Google]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[Penalty]]></category>
		<category><![CDATA[Sandboxing]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/seo-india-tips-to-avoid-google-penalty-or-google-sandboxing/</guid>
		<description><![CDATA[Search Engine Optimization or SEO is one of the most important channels to market your business online but while you carry out all activities, there is one thing that you have to be particularly careful about and that is avoiding Google penalties or sandboxing.
Google is the most used and preferred search engine around the globe. [...]]]></description>
			<content:encoded><![CDATA[<p>Search Engine Optimization or SEO is one of the most important channels to market your business online but while you carry out all activities, there is one thing that you have to be particularly careful about and that is avoiding Google penalties or sandboxing.</p>
<p>Google is the most used and preferred search engine around the globe. <strong><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.pardhi.com/google-optimization.html" title="Google Optimization">Google optimization</a></strong> would be an integral part of your SEO strategy, hence it is important that you are in the good books of the search engine. However in search of the top ranking, most people tend to overlook the possibilities of their site incurring penalties and end up paying a heavy price for the same. Here are a few tips to ensure that you can keep away problems with Google.</p>
<p>Link Carefully: When you are placing links on your site for another site or vice versa, be careful that you are confident about the other domain being involved in ethical activities. At times affiliations to black hat SEO practitioners can be the reason for your downfall. So it is very important to build links and place links very carefully.</p>
<p>Avoid cloaking: Cloaking refers to the stuffing of keywords on a webpage in an attempt to make it SEO friendly. With newer and better protocols, Google is able to identify the difference between a genuine page created for users and the one that is meant only for the search engines. Therefore you should keep away from such methods.</p>
<p>Error 404: In case you have pages that are missing on your website, you might find yourself paying a huge price for it. The reason is that most of the times you site will divert that page to your HostSite which can be a bad sign for the search engines because it breaks down the relevance of your site.</p>
<p>Finally, you can look at Google&#8217;s webmaster guidelines and also ensure that you have a good amount of access to their help forum. In this way you can avoid Google penalty and ensure that your SEO process goes smoothly. Ensure that your <strong>Google optimization</strong> plans aren&#8217;t affected due to the wrong reasons, select a professional <strong>SEO India</strong> company for effective results and best prices.</p>
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		</item>
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		<title>Latest Free Seo Tips as SEO Introduction</title>
		<link>http://toddkenefsky.com/latest-free-seo-tips-as-seo-introduction/</link>
		<comments>http://toddkenefsky.com/latest-free-seo-tips-as-seo-introduction/#comments</comments>
		<pubDate>Sun, 02 May 2010 11:25:40 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[FREE]]></category>
		<category><![CDATA[Introduction]]></category>
		<category><![CDATA[Latest]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/latest-free-seo-tips-as-seo-introduction/</guid>
		<description><![CDATA[If you want to increase your presence on the websites, we also offer specific insights on the world of Search Engine Optimization, we must therefore start with the broken introduction to the Seo Services. In the current age of your online site is just one way to achieving your brand on the Internet, it is [...]]]></description>
			<content:encoded><![CDATA[<p>If you want to increase your presence on the websites, we also offer specific insights on the world of Search Engine Optimization, we must therefore start with the broken introduction to the <b><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.desertseo.com/">Seo Services</a></b>. In the current age of your online site is just one way to achieving your brand on the Internet, it is incredibly easy to get online, but once you are online, you probably encounter a dilemma, where are the visitors? There is no doubt that you have joined the millions of sites that fall into the abyss of the search engine, if you are lucky enough to get listed by them. You can not think search engine positioning affects you but if you own or operate a website, it is possible. If you have any ambitions for your website, you must respond to this role increasingly important webmaster. </p>
<p>&#13;</p>
<p>Optimizing search engines is more than making good rank your site in the major search engines, it is seamlessly integrated into your page design your visitors without even realize exists. SEO is a task that goes on all <b><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.desertseo.com/">SEO Expert</a></b> need to undertake in order to maintain reasonable positioning in the search engines and receive subsequent traffic it brings. A common mistake that many people make is to optimize their site once, and believe they can keep a row, it may be true for certain keywords obscure but there is so much information circulating around the &#8216;Internet that there will always be someone ready to take your On site for the standings. </p>
<p>&#13;</p>
<p>It is important to remember the complexity of the algorithms search engines use to determine your position to calculate thousands of different factors, you can not count on to keep ahead of the game. SEO assistance you provide indepth view in the world of search engine positioning, we broke it in easily digestible sections that you can move your site inch by inch. A disadvantage to maintain your site in the public eye is that it requires a constant effort, but if you plan to sell a product or maintain your active site, it is certainly worth it.</p>
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		<title>Seo Usa ? Real Estate Seo Tips And Tricks</title>
		<link>http://toddkenefsky.com/seo-usa-real-estate-seo-tips-and-tricks/</link>
		<comments>http://toddkenefsky.com/seo-usa-real-estate-seo-tips-and-tricks/#comments</comments>
		<pubDate>Tue, 27 Jan 2009 21:42:57 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Estate]]></category>
		<category><![CDATA[Real]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Tricks]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/seo-usa-real-estate-seo-tips-and-tricks/</guid>
		<description><![CDATA[The real estate market in the United States has been under constant speculation, especially after the financial bubble burst and the economic slowdown however as the world comes out of the recession mode, it is one of the most exciting markets. While real estate companies and agents are trying to get the investors attracted, the [...]]]></description>
			<content:encoded><![CDATA[<p>The real estate market in the United States has been under constant speculation, especially after the financial bubble burst and the economic slowdown however as the world comes out of the recession mode, it is one of the most exciting markets. While real estate companies and agents are trying to get the investors attracted, the best way is to opt for real estate <strong>SEO USA</strong> services so that they cannot only get mileage with US based customers but the interested international investors as well.</p>
<p>There are certain tricks that can help you with your <strong>real estate SEO</strong> program and ensure that you can get a good position on the web. In this way you&#8217;ll be able to get the attention from most of the prospect which means that you&#8217;ll be able to crack a lot more deals.</p>
<p>To begin with you should consider doing an analysis of the keywords that you are targeting for your campaign. It is important that to build credibility on the web you start with a micro market rather than trying to go for a macro niche. For instance if you are based in New York, rather than trying to cover &#8220;real estate New York&#8221;, you can start with specific locations like &#8220;real estate Manhattan&#8221;. It is easier to gain popularity with micro and as you keep on covering the smaller localities keep on the SEO for the city or the state. In this way you&#8217;ll be able to attract more traffic.</p>
<p>Another important technique is using press releases for hot properties. If you have a top deal, and want <strong><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.pardhi.com/real-estate-seo.html" title="Real Estate SEO">real estate SEO</a> </strong>for the same you can have a press release written and posted it on 4-5 major sites. In this way you&#8217;ll have access to a worldwide audience and PR sites are indexed fast by search engines. This would also mean that you have greater chances of making the deal work out for you.</p>
<p>A couple of tricks mentioned above are just beginner tips to get yourself some traffic, however for the real results in a competitive niche it is always advisable to consult the professionals for <strong>SEO USA</strong> or <strong>real estate SEO</strong>. You will surely get great returns on investments because <strong>SEO USA</strong> these days is quite affordable.</p>
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		<title>Top Tips on How to Save ?s on Your Car Insurance</title>
		<link>http://toddkenefsky.com/top-tips-on-how-to-save-s-on-your-car-insurance/</link>
		<comments>http://toddkenefsky.com/top-tips-on-how-to-save-s-on-your-car-insurance/#comments</comments>
		<pubDate>Thu, 22 Jan 2009 02:07:39 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Save]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/top-tips-on-how-to-save-s-on-your-car-insurance/</guid>
		<description><![CDATA[ 
&#13;
There are a number of ways you can cut down the expense of being a car owner, many of which are simple things that could have a significant effect over the course of your premiums.
&#13;
First of all – why pay more than you have to for your car insurance? There are a number of potential [...]]]></description>
			<content:encoded><![CDATA[<p> </p>
<p>&#13;</p>
<p>There are a number of ways you can cut down the expense of being a car owner, many of which are simple things that could have a significant effect over the course of your premiums.</p>
<p>&#13;</p>
<p>First of all – why pay more than you have to for your car insurance? There are a number of potential discounts available to you which could save a considerable amount of money. Buying your car insurance online could save you as much as 25% off the premiums.</p>
<p>&#13;</p>
<p>Also, do not get sucked in by unnecessary optional extras that you do not think you need – make sure you know what you&#8217;re paying for and that there are no boxes ticked which shouldn&#8217;t be.</p>
<p>&#13;</p>
<p>Be sure to give your car insurance provider accurate details about the way you use your car so that you don&#8217;t end up paying for cover that doesn&#8217;t reflect your personal circumstances. For example, if you do not use your car to commute to work, and do not drive many miles each year, then giving this information to your insurance company could shave pounds off your car insurance quote.</p>
<p>&#13;</p>
<p>The same goes for your car&#8217;s features, such as airbags, anti-lock brakes, and anti-theft devices such an immobiliser of alarm, which could all help to save you money on your <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.fairinvestment.co.uk/car_insurance.aspx">car insurance</a>. If you don&#8217;t already have these things, then you could consider getting some of them installed if you would save enough to make it worth your while.</p>
<p>&#13;</p>
<p>You could also save money by telling your insurer if your car is stored in a garage or driveway instead of on the roadside – in a driveway it is safer from damage by other cars, and in a garage it has additional protection from thieves and your insurer will often reward you for this.</p>
<p>&#13;</p>
<p>Some insurance companies offer a discount for drivers who have taken additional testing, such as Pass Plus test. If you do not have a no claims bonus, then this might help to bring your premiums down a bit while you build one up. There are also some car insurance providers that offer accelerated no claims discount deals, where you can build one up faster than usual.</p>
<p>&#13;</p>
<p>Most important of all when trying to save money on your car insurance is to compare quotes – just because you have been with your car insurance provider since you started driving, doesn&#8217;t mean that they represent the cheapest cover on the market – shop around and find a policy which offers both the cover you need and good value for money.</p>
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		</item>
		<item>
		<title>Car Insurance Tips and Tricks</title>
		<link>http://toddkenefsky.com/car-insurance-tips-and-tricks/</link>
		<comments>http://toddkenefsky.com/car-insurance-tips-and-tricks/#comments</comments>
		<pubDate>Wed, 14 Jan 2009 14:13:54 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Tricks]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/car-insurance-tips-and-tricks/</guid>
		<description><![CDATA[Did you get taught at school about liability, collision and comprehensive cover? What about deductibles and all the tips on how to get the cheapest car insurance? Chances are you didn&#8217;t, but if you&#8217;re one of the majority of individuals that drives a car, you&#8217;ve either learnt fast, took whatever insurance your relatives or friends [...]]]></description>
			<content:encoded><![CDATA[<p>Did you get taught at school about liability, collision and comprehensive cover? What about deductibles and all the tips on how to get the cheapest car insurance? Chances are you didn&#8217;t, but if you&#8217;re one of the majority of individuals that drives a car, you&#8217;ve either learnt fast, took whatever insurance your relatives or friends suggested or you&#8217;re going to learn the hard way one day. Take the guess work out of choosing car insurance and read up so you can make an informed choice.</p>
<p>&#13;</p>
<p>Many drivers pay more on their rates for a low deductible, and yet they take the minimum liability coverage. You could probably afford that $500 deductible if you had an accident, but could you afford being sued for $400,000 in damages? Spend your car insurance budget sensibly to cover yourself and your assets. Consider raising your deductible and using the savings to increase your liability protection. If you&#8217;re worth more (you have a good job or you&#8217;re studying for one) or you have significant assets obviously you&#8217;ve got more to protection than someone who doesn&#8217;t. If you do have a lot of assets an umbrella policy may be worth considering to make sure all your assets are covered.</p>
<p>&#13;</p>
<p>Check your health insurance policy, if medical bills after an accident are covered you can cut personal injury protection off your car insurance policy.</p>
<p>&#13;</p>
<p>Maintain a good credit rating, many companies use it to decide how much to charge you and even whether to cover you at all.</p>
<p>&#13;</p>
<p>If you don&#8217;t have an extra car make sure your insurance company will pay for a rental car if you have an accident. The expense of renting a car for a week while your car is being repaired could be a lot of.</p>
<p>&#13;</p>
<p>Shop around for quotes, a great place to start is a comparison website. Compare quotes from several different companies and read the policies to see how they compare. If you do switch policies make sure you notify your previous insurance company immediately and make sure there is no gap in your cover before your new one kicks in.</p>
<p>&#13;</p>
<p>Car insurance can be costly, fortunately there are significant discounts that you can qualify for. Maintaining a good driving record is the best way to get your premiums down. Other discounts available include; low-mileage, safety features, multi-policy, senior, taking a defensive driving course and paying annually. Take advantage of all the discounts you can to get the cheapest rate.</p>
<p>&#13;</p>
<p>Teenagers can add significantly to your car insurance rates. Consider having your teenager drive the family&#8217;s cheapest car and exclude them from other policies. Don&#8217;t forget if your teen moves out to take them off the policy. Just make sure you don&#8217;t lend them the car when they come to visit! If you still want your teenager on the policy, find out if your insurer will give you a discount when they&#8217;re away at school.</p>
<p>&#13;</p>
<p>If your car has seen better days, and it&#8217;s not worth much, think about dropping collision coverage. The cost of your collision coverage might not be worth it when your insurance company will only pay out your vehicles worth.</p>
<p>&#13;</p>
<p>Make sure you understand what will happen if you have an accident and what choices you have. Will your insurer pay for original or only generic parts to repair your car after an accident? Can you select your own mechanic or body shop if you have an accident? Read through your policy and make sure you&#8217;re happy with it.</p>
<p>&#13;</p>
<p>Make calling your insurance company your number one priority after an accident. Many insurers have a time limit, generally around 48 hours for making a claim.</p>
<p>&#13;</p>
<p>If you are unfortunate enough to need to make a claim, get a copy of the accident report, save all your receipts and make sure you record all the details of who you speak to. Make sure you include everything in your loss estimate. You may be entitled to claim sales tax and registration fees if your car has been totaled.</p>
<p>&#13;</p>
<p>Put a bit of effort into getting your claim processed to speed up the process. Shop around for some estimates and follow up your insurance company regularly to check on progress.</p>
<p>&#13;</p>
<p>Work with your adjuster to get the best outcome. If you disagree with the amount offered, get the adjusters reasons in writing. If you don&#8217;t get a satisfactory answer keep your cool and find out what your options are. Speak to the manager of the claims department and request that your case to be reviewed, consider filing a complaint with the state insurance department.</p>
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		<title>Tips for Finding the Best Credit Repair Company&#8230;and Avoiding a Credit Repair Scam</title>
		<link>http://toddkenefsky.com/tips-for-finding-the-best-credit-repair-company-and-avoiding-a-credit-repair-scam/</link>
		<comments>http://toddkenefsky.com/tips-for-finding-the-best-credit-repair-company-and-avoiding-a-credit-repair-scam/#comments</comments>
		<pubDate>Thu, 18 Dec 2008 11:03:38 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Avoiding]]></category>
		<category><![CDATA[Best]]></category>
		<category><![CDATA[Company...and]]></category>
		<category><![CDATA[Finding]]></category>
		<category><![CDATA[Repair]]></category>
		<category><![CDATA[Scam]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/tips-for-finding-the-best-credit-repair-company-and-avoiding-a-credit-repair-scam/</guid>
		<description><![CDATA[Getting started with repairing your credit is one of the very best things you can do for your financial well being. At the hands of the credit system, you are being abused in the form of inaccurate reporting and an unfair credit scoring model. Through credit repair, you can do your part to make sure [...]]]></description>
			<content:encoded><![CDATA[<p>Getting started with repairing your credit is one of the very best things you can do for your financial well being. At the hands of the credit system, you are being abused in the form of inaccurate reporting and an unfair credit scoring model. Through credit repair, you can do your part to make sure you get the credit score you deserve &#8211; a credit score that is truly indicative of your credit worthiness.</p>
<p>&#13;</p>
<p>Choosing the right credit repair company to help you achieve your credit goals is pivotal. What follows are tips and things you should look for when choosing the best credit repair company for you.</p>
<p>&#13;</p>
<p>1) <b>Look for a credit repair company with experience</b></p>
<p>&#13;</p>
<p>An experienced credit repair company will have taken the time to learn what tactics work best for each type of dispute. Having a large number of clients and a track record of removing many items means that a credit repair company has enough information to know what works and what does not.</p>
<p>&#13;</p>
<p>2) <b>Look for a credit repair company that has been in business for a while</b></p>
<p>&#13;</p>
<p>Credit repair, like many other industries, has it&#8217;s fair share of scammers. Preying on desperate people who long for a better credit score, fraudulent &#8220;credit repair&#8221; companies promise amazing results but the only thing they manage to do is take off with your money.</p>
<p>&#13;</p>
<p>Fortunately, these companies never last very long. They are either run out of town or shut down by the FTC or local law enforcement. What this means for you is that you can usually trust a credit repair company that has been in business for a number of years.</p>
<p>&#13;</p>
<p>3) <b>Check out the company&#8217;s BBB report</b></p>
<p>&#13;</p>
<p>To start with, look for the BBB&#8217;s rating of the company and their explanation of this rating. For example, the BBB report for the credit repair company Credit Bureau Experts shows the company as having an unsatisfactory rating because of unsubstantiated advertising claims made on their site.</p>
<p>&#13;</p>
<p>Also look at the number of unresolved complaints to see if the company has been responsive to their customer&#8217;s problems. Almost all companies will have some complaints, and the larger the company the more complaints it will have, but it is how they deal with these complaints that is important. Look for a company that addresses the concerns of its clients as opposed to a company like Credit Fix Now (see BBB report) who has an unsatisfactory rating with the BBB for not responding to to complaints.</p>
<p>&#13;</p>
<p>4) <b>Get the details on the company&#8217;s payment policy</b></p>
<p>&#13;</p>
<p>A common tactic of fraudulent credit repair companies is to charge you a large fee upfront and then either disappear with your money or otherwise not perform the agreed upon work. Many of the companies have been known to charge several hundred or even thousands of dollars before they will do any credit repair work.</p>
<p>&#13;</p>
<p>Even though the practice of charging large upfront fees is illegal, there are still a number of smaller credit repair companies that try to get away with it. For example, the companies Credit Clean and Today&#8217;s Credit Solutions are perfectly content to charge you one time fees of $1223 and $499.99 respectively for a year&#8217;s worth of credit repair service. Granted, these companies may offer money back warranties, but that will be of little use to you if the company goes out of business or otherwise disappears.</p>
<p>&#13;</p>
<p>5) <b>Watch out for companies that guarantee to raise your credit score</b></p>
<p>&#13;</p>
<p>To help protect you against credit repair companies who make impossible claims, the Credit Repair Organizations Act also forbids any credit repair organization from making guarantees about the results of their service when it pertains the the effect it will have on your credit reports.</p>
<p>&#13;</p>
<p>While searching for a credit repair company, take note of any claims to &#8220;increase your credit score by 100 points&#8221;, &#8220;lower your interest rates&#8221;, or &#8220;remove all negative items from your credit reports&#8221;. No company can legally make these claims and any company who implies they can should be avoided.</p>
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		<title>Six Tested SEO Tips</title>
		<link>http://toddkenefsky.com/six-tested-seo-tips/</link>
		<comments>http://toddkenefsky.com/six-tested-seo-tips/#comments</comments>
		<pubDate>Sat, 13 Dec 2008 12:22:04 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Tested]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/six-tested-seo-tips/</guid>
		<description><![CDATA[It seems these days everyone is an SEO expert. What they don&#8217;t tell you is they&#8217;re self-proclaimed experts in SEO with very little technical background and no credentials to back them up. Trying to find a quality SEO expert (a true expert) is becoming a frustrating task for webmasters.
An early black hat trick was to [...]]]></description>
			<content:encoded><![CDATA[<p>It seems these days everyone is an SEO expert. What they don&#8217;t tell you is they&#8217;re self-proclaimed experts in SEO with very little technical background and no credentials to back them up. Trying to find a quality SEO expert (a true expert) is becoming a frustrating task for webmasters.</p>
<p>An early black hat trick was to fill in all the white space on the page with the page keyword in white font color (white letters on a white background). If the page was viewed on the screen, it looked normal with five or six keyword occurrences, but if you looked at the HTML, you would see the keyword on the page say 300 times.</p>
<p>The idea was to use visual design and color to trick the human eye into not seeing a page loaded with keywords but to make it seem to the search engines that you are loaded with keywords.</p>
<p>Create a site which attracts viewers. On the other hand, you should place the menu bar and the graphic header on a similar location at each page. If the design of your site is interesting for the viewers, then they will keep on returning to your site. If you are not able to keep the users who visit your site, it means that your SEO is not effective at all.</p>
<p>The information erases all over and under expectations. It keeps the balance between what the company is going to do and what you want to achieve. Some webmasters are expecting for an overnight result on their search engine optimisation campaign.</p>
<p>You also need to determine whether this person has the clout &#8211; or access to those who have the clout &#8211; to get the necessary changes to the website made and to get buy in for the entire SEO initiative.</p>
<p>Comment Tags are used to include design notes in the background source code when creating a website page. Comment tags are supposed to be used only for adding instructions or reminders to your html code; previously, these tags were used to artificially increase the keyword phrase count / proximity for targeted keyword phrases.</p>
<p>Google considers page rank through link analysis, the more web pages that link to your website the higher the ranking. Some webmasters may create multiple websites at different domain names that all link to one another. This is the worst form of back hat seo techniques.</p>
<p>That first website has since been purchased by another, but not before they removed those links from the page. Which only happened after they had secured a strong position in the SERPs. Was this a calculated maneuver? Was it meant to push the boundaries of good SEO and then dispose of the evidence before a search engine could ban them? Maybe. But we&#8217;ll likely never know.</p>
<p>It is not hard to build a web page that follows the rules and does not break accepted webmaster guidelines. There are 5 Beginner, 5 Intermediate and 5 Advanced SEO techniques that can help in your SEO efforts. However, these 5 abuses will get a web site banned if and when it is crawled by a search engine, or reported by a web surfer</p>
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		<title>The Big 20: Tips to Help Reduce Car Insurance Quotes Part Two 11-20</title>
		<link>http://toddkenefsky.com/the-big-20-tips-to-help-reduce-car-insurance-quotes-part-two-11-20/</link>
		<comments>http://toddkenefsky.com/the-big-20-tips-to-help-reduce-car-insurance-quotes-part-two-11-20/#comments</comments>
		<pubDate>Mon, 08 Dec 2008 13:10:24 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[1120]]></category>
		<category><![CDATA[Help]]></category>
		<category><![CDATA[Part]]></category>
		<category><![CDATA[Quotes]]></category>
		<category><![CDATA[Reduce]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/the-big-20-tips-to-help-reduce-car-insurance-quotes-part-two-11-20/</guid>
		<description><![CDATA[In the previous part of this article I covered ten ways to help reduce your car insurance quotes, despite petrol prices going down our insurance premiums continue to rise to the point of many of us questioning whether having a car is really worth it.  
Well help is at hand yet again, here are another [...]]]></description>
			<content:encoded><![CDATA[<p>In the previous part of this article I covered ten ways to help reduce your car insurance quotes, despite petrol prices going down our insurance premiums continue to rise to the point of many of us questioning whether having a car is really worth it.  </p>
<p>Well help is at hand yet again, here are another ten tips and tricks to help bring your car insurance quotes back down to manageable levels.</p>
<p>11 – Avoid the soft top at all costs!  Soft top cars are an insurance nightmare; they’re easy to break into and tend to be higher performance vehicles.  You’re more likely to be hurt in an accident too so medical costs being claimed for are going to do you no favours come renewal time.</p>
<p>12 – Get extra qualified for driving by taking a pass plus course or an advanced driving course, by learning how to be safer and being able to drive more confidently in most situations you are proving to your &lt;a onclick=&#8221;javascript:pageTracker._trackPageview(&#8216;/outgoing/article_exit_link&#8217;);&#8221; href=&#8221;http://www.moneysupermarket.com/motor/&#8221;&gt;car insurance&lt;/a&gt; provider that you can be trusted not to wrap your car round a lamp post.</p>
<p>13 – Cut down on who is listed as a named driver on your car, the more people that drive a car the more risk there is and so premiums shoot up.  Fewer drivers, especially teenage drivers will typically bring your quotes down assuming you have a clean record yourself.</p>
<p>14 – Save money on your breakdown cover by checking your battery, water, oil and petrol levels before a big journey and every few months for your oil as these can be common call out reasons.  You’ll typically receive a no call out bonus at the end of the year if you don’t need to call out the AA, RAC or whoever you are with.</p>
<p>15 – Consider only insuring 3rd party, fire and theft &lt;a onclick=&#8221;javascript:pageTracker._trackPageview(&#8216;/outgoing/article_exit_link&#8217;);&#8221; href=&#8221;http://www.moneysupermarket.com/insurance/&#8221;&gt;insurance&lt;/a&gt; if your car is old or of low value.  Cars under £2000 in value are typically not worth insuring with full comprehensive cover as most repairs will cost more than the cost of the car.  </p>
<p>16 – If you are deemed a bad risk from previous convictions or financially then there are some insurers who specialise in insuring people like you!  Search them out and ask insurers whether they will cover someone in your circumstance.</p>
<p>17 – Some companies will offer No Claims Bonus protection where in certain circumstances you will not have to lose your NCB, typically this helps when someone else is found to be at fault of an accident with your car, considering NCBs are highly sought after it’s no surprise that many people want to keep their record squeaky clean.</p>
<p>18 &#8211; .Compare multiple providers, by checking with other companies you may be able to find the perfect insurer for you personally.  Sometimes playing one insurer off against the other may even help, when you get quoted for a price and another has quoted a better price then mention it and ask if they can beat it, if they won’t then you have still got the other provider so you can’t lose.  Again: don’t ask, don’t get.</p>
<p>19 – Lower your mileage and you can get some nice discounts, because you’re on the road less then you’re less likely to be involved in an accident.  Mileages under 12,000 typically earn 5 to 10 percent discount on &lt;a onclick=&#8221;javascript:pageTracker._trackPageview(&#8216;/outgoing/article_exit_link&#8217;);&#8221; href=&#8221;http://www.moneysupermarket.com/motor/&#8221;&gt;car insurance&lt;/a&gt; and if you’re in a household with multiple cars and have a mileage of fewer than 5,000 then you’ll get even further cuts.</p>
<p>20 – Sometimes going direct to the insurers themselves can be the best option; some insurers do not buy into the whole insurance broker business and their discounts are saved for those who contact them directly, invariably this is only a small amount of insurers that adopt this policy, possibly because they don’t have very competitive prices!</p>
<p>So there you go twenty tips to drag your car insurance premiums down, by simply heeding the advice of a few of these tips you’re going to help bring your car insurance quotes down to a more manageable cost.</p>
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		<title>5 Tips Every Loan Modification Firm Talks About</title>
		<link>http://toddkenefsky.com/5-tips-every-loan-modification-firm-talks-about/</link>
		<comments>http://toddkenefsky.com/5-tips-every-loan-modification-firm-talks-about/#comments</comments>
		<pubDate>Thu, 13 Nov 2008 05:35:16 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Loan]]></category>
		<category><![CDATA[About]]></category>
		<category><![CDATA[Every]]></category>
		<category><![CDATA[Firm]]></category>
		<category><![CDATA[Modification]]></category>
		<category><![CDATA[Talks]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/5-tips-every-loan-modification-firm-talks-about/</guid>
		<description><![CDATA[Here’s a list of loan modification do’s and don’ts to help you avoid common pitfalls.
Do know your rights.
More than 80% of mortgage contracts violate one or more lending laws—and most of them go unnoticed. But these violations can be your biggest weapon in the loan modification process. They can give you the leverage you need [...]]]></description>
			<content:encoded><![CDATA[<p>Here’s a list of <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.cdloanmod.com/">loan modification</a> do’s and don’ts to help you avoid common pitfalls.</p>
<p><strong>Do know your rights</strong>.</p>
<p>More than 80% of mortgage contracts violate one or more lending laws—and most of them go unnoticed. But these violations can be your biggest weapon in the loan modification process. They can give you the leverage you need to negotiate with your lender and stop foreclosure. Your loan modification attorney can help you understand your rights and use them to get the results you want.</p>
<p><strong>Don’t wait too long. </strong></p>
<p><strong> </strong>The foreclosure process is designed so that you have time to get back on your feet and save your home. But that doesn’t mean it’s safe to procrastinate. The longer you wait, the harder it gets to get you out of that fix. As soon as you decide you need mortgage help, call for a loan modification help and get started.</p>
<p><strong>Do work with your lawyer</strong>.</p>
<p>Your Home Loan Modification doesn’t rest in the hands of your lender, your broker, or your loan modification attorney. These people can help, but you have to do your part and cooperate with your lawyer. Make sure to submit your paperwork on time, answer questions honestly, and give them a clear picture of your financial situation.</p>
<p><strong>Don’t file for bankruptcy, unless you really have to. </strong></p>
<p><strong> </strong>Many people think that filing for bankruptcy can help them stop foreclosure. But data from the American Bar Association shows that it doesn’t work that way. In fact, 96% of the people who file bankruptcy end up losing their homes anyway—so they’re left with a foreclosure AND a bankruptcy on their records. In some cases, bankruptcy is still a viable option, but don’t make any decisions without getting professional advice.</p>
<p><strong>Do have a backup plan. </strong></p>
<p><strong> </strong>Not all people will qualify for a mortgage loan modification. Maybe you’ve fallen too far behind, your lender may be simply hard to work with, or maybe you don’t need it after all. In any case, it’s always good to have a Plan B. Your mortgage modification attorney can help you find the best solution.</p>
<p>If you can’t get your loan modified, talk to your lawyer about a short sale. This involves selling your home for less than its fair market value and giving the proceeds to your lender. Although you still lose your home, it’s not as damaging to your credit as foreclosure, so it’s easier to get back on your feet.</p>
<p> </p>
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		<title>Your Tips to Cheap Car Insurance for Teens</title>
		<link>http://toddkenefsky.com/your-tips-to-cheap-car-insurance-for-teens/</link>
		<comments>http://toddkenefsky.com/your-tips-to-cheap-car-insurance-for-teens/#comments</comments>
		<pubDate>Tue, 07 Oct 2008 22:17:36 +0000</pubDate>
		<dc:creator>todd</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Cheap]]></category>
		<category><![CDATA[Teens]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://toddkenefsky.com/your-tips-to-cheap-car-insurance-for-teens/</guid>
		<description><![CDATA[Most teens looking into car insurance may be finding that the rates for car insurance for teens can be quite high. However, despite the rates being generally higher, it is still possible to find cheap car insurance for teens- you just have to know where to look.
Car insurance for teens is designed to protect teenage [...]]]></description>
			<content:encoded><![CDATA[<p>Most teens looking into car insurance may be finding that the rates for car insurance for teens can be quite high. However, despite the rates being generally higher, it is still possible to find cheap car insurance for teens- you just have to know where to look.</p>
<p>Car insurance for teens is designed to protect teenage drivers specifically. It differs from other insurance policies only in the fact that it usually has a higher interest rate. So just why is this?</p>
<p>Teenage drivers are inexperienced. They may have passed their test, but they are still new to driving. To an insurer this means that the likelihood of them having an accident is quite high. Now you could argue that anybody no matter what their age who just passes their driving test is a liability. However statistically that is not the case and that is what insurers look at.</p>
<p>Teenage drivers are twice as likely to have an accident within their first year of driving, than a driver over the age of 25. There are a number of reasons for this. The main one is that teenagers do tend to drive faster and are a little more recklessly. Passing your test gives you freedom and it can be exciting driving along as fast as possible whilst listening to the car stereo. Not all teenage drivers will do this, but statistically that is what insurers find. So because teenagers are statistically more likely to have an accident, teen car insurance is often fairly expensive.</p>
<p><strong>What You Can Do To Get Cheap Car Insurance for Teens?</strong></p>
<p>Apart from higher rates, you still have the same options as any other driver when it comes to car insurance policy. You can choose to take out basic third party insurance, or you could add additional extras if you would prefer. For example, would you like to be protected in case your car gets stolen? You may automatically assume that this protection is included in your car insurance policy. However a lot of the time it isn&#8217;t and you will need to read through your terms and conditions to see what is actually included in your policy.</p>
<p>There are some things that you can do to get cheap teen car insurance and that includes purchasing an older car. Your first car should never be anything too fancy or sporty; otherwise you will have to pay a fortune on insurance. So choose a sensible car until you can build up a no claims bonus. Then once you have been driving for a while, purchase a newer car and your insurance will not be through the roof.</p>
<p>Overall car insurance for teens can be expensive. If you look around however you should be able to find a few good deals to suit you. Remember that there are things that you can do to lower your insurance quote too. So even if you are a teenager, you can make certain changes that will lower your insurance rate.</p>
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