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3/15/2010
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Yahoo YPN site exclusion list

How You Could Be Running Incentive Based Marketing Without Knowing it.

This past week we have been receiving a large volume of spam email. It's no shock that most of it had to do with eliminating credit card debts. However, one email in particular caught my eye as it gave a cash incentive to click on it, so I did. The discovery I made after that was astounding.

Here is the email:

Email

 

Next is the landing page this email takes you to.
Note: the URL in the email ad expired after 24 hours.
The web address is: www.consolidate-my-debt-now.com

Here is the Landing /Listing page:

At the top right you will see the offer has not increased to $1,500 towards reducing your debt. Below there is the traditional listing of Yahoo advertisers in this space. My first thought is, wow, I wonder if ALL these advertisers are offering the $1,500 prize program?
The double bonus discovery in this adventure is that one advertiser who regularly scams all 3 search engines with multiple domains listings for the same company has all three of their listings on this scammers site... (Or perhaps this is their email ad campaign???)

The domain name for consolidate-my-debt-now.com has a private registration through godaddy.com. Their DNS entry:

  1. FreedomeDebtRelief.com
  2. FreedomFinancialNetwork.com
  3. FreedomDebtHelp.com

All these names are registered to the same company and or slight variation to the same address... and if you research the business you come to find out that all these sites are actually owned/managed and or otherwise run by Andrew Housser who owns www.Bills.com

However this is no big news as Yahoo has blatantly allowed multiple listings from the same clients for at least the past year. I have had account reps tell me directly, "don't ask don't tell" as long as you pay the bill, we can run your campaigns. Mr. Housser has had this little scam running on Google, Yahoo and MSN for a while now.

 

Consolidate my debt now

 

 

But back to the final result. If you click on any of these listings you will see within the resulting URL the Search Engine's identifier; YAHOO.

Yahoo Publisher Network

 

Does, Mr. Housser know he is running incentive based marketing? Well I'll give him the benefit of the doubt here. Surely none of his MANY websites have produced clicks and conversions that have shown up in his placement reports to identify the Consolidate-my-debt-now.com website. I bet he knows now - You're welcome.

So there you have it, one scammer catching another in a scam. I don't know if we should cheer or sneer?

In any case this is just one more example that Yahoo is wide open right now and willing to allow anything to bring in the cash they are so desperate for.

Keep your guard up if you are one of the few who are still advertising on Yahoo's content network. Run regular placement reports and be sure to go visit some of those websites and see what they are all about.

If you have a sacrificial computer kicking around, use it to explore spam email, and other obviously risky websites. You may find your own company is being advertised in a bad neighborhood.

 
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Barack Obama has announced the largest Homeowners Bailout plan in our nations history with the Homeowners Bill included in the 2009 Economic Stimulus Act.

In his plan his administration would like to help millions of homeowners avoid losing their home to foreclosure through a variety of loan modification programs. This Foreclosure relief program is not intended to help all homeowners; only responsible homeowners who have found themselves upside down, that is No Equity, in their home. Fannie Mae and Freddie Mac will play a large role in processing the mortgage modifications. The HUD and FHA will likely play roles, but this part of the plan has yet to be announced.

The Home foreclosure prevention plan helps many homeowners who are facing foreclosure, are in Pre Home Foreclosure, or simply are not late on their mortgage but are facing the possibility of going into default do to a financial hardship.

A big change will now allow Loan Modification to be decided in bankruptcy. A Court Modification will be based on the homeowners Modification Eligibility this is determined by a Eligibility Test and or an Affordability Test. This type of loan modification is different than a tradition Mortgage Mitigation plan offered by a private company. Lawyers are now preparing to bring homeowners cases to Modification Court within the next 3 months.

Part of what will make this Loan bailout plan successful is that it offers Lenders over 200 billion dollars in TALF Loans to open up credit lines.

Prior to this foreclosure relief program, the Bush administration had created Hope for homeowers programs or also known as Hope now programs. However these programs failed because there was no incentive for lenders to lower interest rates or modify the loan in any way. In short they would have to take the full loss on the amount the loans were reduced by. In addition there was no assurance to the lender that after they modified the loan that the homeowner would not still default in the near future. This is why the introduction of the Mortgage Modification Test is so important.

Home owners seeking to modify their mortgage loan can go to iHomesavers and take a free Modification Test to determine their Mitigation Eligibility. Home owners can also receive free evaluations and consultations to determine if they are eligible and if so how to take advantage of the new Homeowners Bailout programs.

If there were ever a time to save tens of thousands of dollars on your home loan it is now. After all you're going to pay for this bailout through taxes over the next 30 years, it only makes sense that you get some of it back by reducing the cost of your home loan.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Credit card bailout | Credit Card Bail out| Consumer Bailout