From: Bob Osgoodby - bob@adv-marketing.com
The Business Organ for the Small Business Community
Sponsor - Advanced Marketing at http://www.adv-marketing.com

** Biz-Tips by Dr. Kevin Nunley – Keyword Rich Copy
 
** Stupid Quotes

** Featured Article – Credit firms crack down on fraud by Robin Sidel
 
** Quote of the Day

** A Little Levity – Say Something Positive
 
** Stress Tip by Dr. Rae Baum

** Health Tip of the Week – Slowing Middle-Aged Spread

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Welcome

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Stupid Quotes

"It's time for the human race to enter the solar system!"

- Dan Quayle, former U.S. Vice President on the concept of a
manned mission to Mars

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- 10/27

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Biz Tips
by Dr. Kevin Nunley

Keyword Rich Copy
 
Search engines love web sites with keyword rich copy. In other words, if your site title says your site is about cats, search engines want to see "cat" a lot on your page. It does no good simply to list "cats" over and over: "cats, cats, cats, cats." That's an old trick called keyword spamming. Search engine computers count off for that.  Instead, search engines like when you work your keywords and keyword phrases into logical sentences. You get extra credit if you can work these phrases into the first part of your opening page.

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Looking for ways to market your product, service, or idea? Ask Kevin! He'll give you fresh promotion ideas free. Reach Kevin Nunley and his staff of marketing experts at kevin@drnunley.com or 801-328-9006. See the promotion packages that are working best for his customers at http://DrNunley.com

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Trivia

They call the game of checkers "draughts" in England!

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**Featured Article**

Credit firms crack down on fraud
by Robin Sidel

MasterCard Inc. and Visa USA Inc. are clamping down on merchants that flout rules aimed at protecting card transactions from fraud.

In recent weeks, MasterCard has imposed fines on merchants that haven’t met its requirements to keep transactions secure. Starting Saturday, Visa will take aim at the nation’s largest merchants with fines that start at $ 10, 000 a month and can rise to $ 100, 000 a month.

The fines are the latest effort by the credit- and debit-card industry to reduce financial exposure — and bad publicity — from a round of high-profile security breaches. Cardholders normally aren’t responsible for unauthorized purchases, but merchants and banks involved with fraudulent transactions — both at stores and online — can find themselves on the hook.

Visa and MasterCard don’t fine the merchants directly. Instead, they levy fines against those that process the transac- tions on behalf of the merchants. Those entities commonly pass on the fines to their merchant customers. In addition to assessing penalties for failing to comply with the rules, Visa and MasterCard also issue separate fines if a noncompliant merchant has a security breach.

Neither Visa nor Master-Card would identify merchants that are violating the rules. But because Visa is homing in on the biggest merchants — those that ring up more than 6 million transactions a year — they likely include some household names. Visa counts 334 merchants in this category; as of Friday, 20 of them were in violation and could face fines if they don’t comply by the end of the month, according to the card association. These big merchants represent nearly 50 percent of Visa’s transactions each year.

Visa and MasterCard, which operate the massive card networks, have established comprehensive security rules for banks, merchants and other entities that store, process or transmit cardholder data. Among the rules: Merchants aren’t permitted to store data that is contained on a card’s magnetic strip, they must take precautions with people who have access to computer systems and they must restrict access to cardholder information.

Visa has found it difficult to meet its own deadlines. The card association’s debit-card processing arm was supposed to validate its security plan at the end of last year, but got final approval from an outside auditor last week. Some 84 percent of other Visa processors have validated their plans.

“Visa holds itself to the same high security standards as we hold merchants and other processors,” said Rosetta Jones, a spokesman for Visa. She acknowledged that the processing unit had been behind schedule for validation, but stressed that it had been complying with the other security standards.

MasterCard declined to discuss the amount of fines that have been levied, but indicated that the decision to impose financial penalties is taken as a last resort. “We are not levying fines for noncompliance. We are levying them for non-cooperation,” said Chris Thom, chief risk officer for the card network.

Although MasterCard has been issuing fines for more than a year, several industry members said that the levies seem to have accelerated recently and a series have been handed down this month. They estimate that fines have ranged between $ 5, 000 and $ 15, 000. MasterCard declined to comment.

“Visa and MasterCard are paying a lot more attention to this, and they should be,” said Robert Carr, chief executive of Heartland Payment Systems Inc., a company that processes transactions on behalf of small- and medium-size merchants.

The security rules are particularly daunting for small merchants, who might not be sophisticated about security issues or don’t want to spend the money necessary for crucial upgrades to their computer systems. For now, Visa is concentrating its efforts on levying fines for noncompliance by the largest merchants. It expects to tackle the issue as it relates to some smaller merchants beginning next year.

Security has become a top issue in the card industry amid mounting concerns about identity theft. Earlier this year, Citigroup Inc., the nation’s largest bank as measured by market value and assets, reissued thousands of MasterCard-branded debit and credit cards after it flagged several hundred fraudulent cash withdrawals at automated teller machines in Britain, Russia and Canada.

Last year some 40 million cards became vulnerable to possible fraud when CardSystems Solutions Inc., a small company that processed transactions for merchants, acknowledged that it had stored customer data in violation of card-industry rules. Retailers also have reported data breaches.

Even Visa isn’t impervious. A breach was reported at one of the company’s on-site cafeterias last year when someone hacked into the server of the vendor that managed the facility. It was determined that the vendor wasn’t complying with Visa rules.

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Did You Know

 You can place a free ad for your business on our website.
        Go to - http://www.adv-marketing.com and click on
 "Free Classified Advertising"

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Quote of the Day

"More important than learning how to recall things, is finding ways to forget things that are cluttering the mind."

- James Waddell Alexander, II
 

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A Little Humor

Say Something Positive
=-=-=-=-=-=-=-=-=-=-=-=

A husband and wife are getting ready for bed. The wife is standing in front of a full-length mirror taking a hard look at herself.

"You know, dear," she says, "I look in the mirror, and I see an old woman. My face is all wrinkled, my hair is grey, my shoulders are hunched over, I've got fat legs, and my arms are all flabby." She turns to her husband and says, "Tell me something positive to make me feel better about myself."

He studies hard for a moment thinking about it and then says in a soft, thoughtful voice, "Well, there's nothing wrong with your eyesight."

Services for the husband will be held Saturday morning at 10:30 at St. Anselm's Memorial Chapel.

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The priest is repairing the church fence. A boy is standing nearby for a long while.

The priest asks him: "Do you want to speak with me, my son?"

"No, I'm just waiting."

"Waiting for what?"

"Waiting to hear what a priest says when he hits his finger with a hammer."
 
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Two men were working at the sawmill and one guy got too close to the saw and cut his ear off. It fell in the sawdust pit so he jumped down into the pit and was hunting around trying to find it.

The second guy saw him and hollered down, "What're you doing?"

The first man said that he had cut off his ear and was looking for it.

The second guy said, "I'll help you" and jumped in the pit. He was searching around on his hands and knees and then hollered, "I found it!"

The first guy took it and examined it closely, then said, "Keep looking. Mine had a pencil behind it."

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A gentleman entered a busy florist shop that displayed a large sign that read, "Say It With Flowers."

"Wrap up one rose," he told the florist.

"Only one?" the florist asked.

"Just one," the customer replied. "I'm a man of few words."

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The colder the X-ray table the more of you
has to be on it.

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Publications of Interest

In each issue, we swap a notice with another E-zine.  Most of the time they are invitations to subscribe to their publication, but sometime it could be for a product or service they provide.

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Stress Tip
by Dr. Rae Baum

You will find this "Stress Tip Message" helpful to stay focused and on purpose.  You can put this message to work by reading it often throughout the day.

"Your future work is always the best work you ever do."

- Dr. Rae

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You Know You're from Southern California When ...

Your child's third grade teacher has purple hair, a nose ring, and is named Breeze.

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Health Tip of the Week
by Dr. Earl Mindell

Slowing Middle-Aged Spread

The average person gains a few pounds in his or her late 40s and early 50s. Apparently, a small weight gain during these years isn’t unhealthy, and it actually seems to be somewhat protective against osteoporosis and early death. Still, there’s a fine line between gaining 10 or 12 pounds—which is probably fine—and gaining more than is really healthful. And many of us would rather stay on the slim side, for aesthetic reasons. What’s the best way to reduce middle-aged spread? Recent research shows that two things might be especially helpful: calcium supplementation and getting adequate sleep.

According to researcher Jane Klauer, M.D. of the New York Obesity Research Center at St. Luke’s-Roosevelt Hospital, lack of sleep can be an important factor in weight gain. When you spend inadequate time in deep sleep, your brain gives your body the message that you need more food. Lack of sleep causes fat cells to produce up to 18 percent less leptin than they do normally, and your stomach produces more of a hormone called ghrelin. Both leptin and ghrelin increase your appetite.

Fatigue from lack of sleep can trigger sugar cravings, which temporarily put you back in the game—only to crash again and crave more sugar. In the end this can keep you up later at night, munching on sweets and wondering why you’re too wired to fall asleep. Better to simply go to bed as soon as you feel tired—or if you don’t feel tired because you’re used to a wacky schedule, start going to bed regularly at the same time each night, soon after darkness falls. You can use melatonin to help you get into a more productive sleep schedule.

Calcium supplements may also help women to stave off middle-aged weight gain. A big study supported by the National Cancer Institutes enrolled a few thousand middle-aged men and women, and kept track of their eating habits and supplement use. The ongoing study was designed to look at supplements and long-term cancer risk, but the researchers decided to look at the variable of weight gain in relation to supplement use as well. Women who took 500 mg of calcium or more each day and had not used any hormone replacement therapy gained 10 pounds after age 45; women who took calcium and HRT gained 11 pounds on average. Women who took no calcium gained an average of 15 pounds after 45. Another reason to take your calcium supplements!

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To learn more about how Dr. Mindell can help you get into the best shape of your life, visit: http://freelife.com/Sites/keith/Redir.cfm?page=/info/nutrition/nutritionhome.cfm

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PCisms (Politically Correct Terminology)

Outdoor Urban Dwellers - Homeless

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Best Wishes
Bob
Copyright – 2006

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