Payday Loan Affiliate Network
Home Sign Up for a Payday Loan Payday Loan Blog
Apply for your payday loan today and get approved for up to $1000.

How Our Program Works
Frequently Asked Questions

Payday Loans
Affiliate Marketing

Add This Blog to your Technorati Favorites
Subscribe to our RSS Feed

Payday Loan Blog - December, 2006

 Friday, 29 December 2006

As the year end draws near, we are often given pause to reflect upon our previous goals and how our performance compared with those goals. In addition to the obvious monetary goals, I particularly enjoy trying to gain insight into market disrupters, and use these giant "what if" scenarios as possible changes that may occur in the next 1, 2, 3+ years down the line.

I believe it was about 18 months ago that I was having lunch with Morgan Moran of Tout Media and David Wachs of Cellit Mobile Marketing, talking about where marketing has been and where it might be going. Morgan and I both had more of a search background, and as such, were lamenting over the absolute gold rush the early search marketers experienced and wondered what medium could possibly experience this type of growth in the future. As a mobile marketing evangelist, David was pounding the importance of embracing mobile marketing as the next gold rush.

This begs the question for which the post is named: is mobile marketing the next search marketing?

Yes. No. Maybe.

Yes in the sense that mobile marketing will definitely be experiencing some steep growth as more and more cell phones are upgraded to using premium SMS services and as the average age of text messaging users enters the late 20s and early 30s (looking at how the average age of search engine users has changed). David could probably expound more about this, so I'll ask him to post about it, but the parallels between search users and texters is certainly there.

No in the sense that search marketing is more nebulous than organic search marketing, as it was originally viewed as; search marketing now includes more traditional advertising type services such as PPC campaign management, and in the foreseeable future will be so well integrated with online ad purchases, reputation and publicity management, and e-mail list type CRM management that I see it as becoming a conglomerative concept…digital marketing. Holding that view, I'd see mobile marketing as a piece of digital marketing, similar to how search marketing would be a piece. Thus, it wouldn't be the same gold rush type new medium, though even in this scenario, it would be a huge piece with a very bright future.

Maybe in the sense that even though we aspire to be technical and business visionaries, it can be difficult to foretell what the marketplace will accept. If the major carriers relax restrictions on acceptable programs, cell phones advance to the point where they can replace standard laptops in information management, and the ad blindness for text vs PPC/e-mail/banner occurs in an inverse relationship, then a perfect storm of the mobile marketing gold rush may surprise even those that are most expecting it.

Where will 2007 take you? Are you going get bigger in the PPC industry? Are you going to explore the deep dark waters of SEO? Are you going to develop unique and innovative mobile marketing campaigns to capture an untapped payday loan market? Regardless of what your future goals are, we hope that we can help you to get there, making 2007 your most profitable year ever.

Happy near year from!


Friday, 29 December 2006 09:17:10 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 
 Tuesday, 26 December 2006

…or, “not everything needs to be in enclosed in <H1> tags.”

We’ve been trying out a few on-page SEO variables on our test sites, and a recent update by Google showed that the overuse of the H1 tag can lead to troubles as far as ranking is concerned. This is a particularly valuable piece of information to know, especially considering how hard so many sites out there seemed to be hit by recent search engine updates. Why is this important? I smell the perfect opportunity for a clever analogy…

If you’re like me, it was difficult to pick just a few words from a paragraph in your college textbook; if you’re even more like me you highlighted entire pages at a time. This sort of defeats the purpose of highlighting altogether, doesn’t it? Header tags work off the same principal – it’s basically useless to make everything on a page an H1 since it dilutes the potency/purpose of that particular tag. H tags are supposed to underscore important points within a body of text, so the frequent/overuse of a tag not only distracts a user, it can be an obvious indication that a webmaster is trying to use H tags to sway search engine favor. Let’s take a look at why:

Rule One: No More than One H1 on a Page / Logical H Tag Order

This is the most valuable lesson of this recent study, as sites that utilized more than one H1 on a page seemed to take the strongest blow. An H1 tag tends to indicate a main topic, and if you think about it you really ought to only have one main topic on a page. You may use H2 and H3 tags to further break out that topic on the page, but keep your H1 tag reserved for the title/main focus of whatever you’re discussing.

It’s also useful to use H tags in a logical order by surrounding the tag with relevant text or related topics.

Rule Two: No Hidden H Tags or Tags in Weird Places

When I play site sleuth I like to see if I can’t visually identify an errant <H> tag before I cheat and view the source of a site; this only highlights the purpose of the exercise, since the purpose of an H tag in HTML is to identify a key point and it should probably be treated as such when displayed on-page. This means no using sneaky white-on-white text, margin-left:-1000px, or other tricky tactics to transform your tags into otherwise unidentifiable text (you can thank spammers for that one).

Rule Three: No Specific Keyword Phrases Only

Using H tags, while handy for SEO benefit, should always be a visual cue for a reader to learn about that tag’s contents. In other words, promoting a cash advance site by having multiple H1/2/3 tags with just “cash advance” or “cash advances” in it is bad news. If a client is on your site chances are they know you’re giving them the opportunity to apply for a cash advance, so an H tag with just the target keywords phrase is useless at best. From a spider’s point of view this is an obvious attempt to use H tags to artificially inflate the visibility of a target phrase, and it would appear that search engines are now discounting sites accordingly (you can thank spammers for that one too).

Putting It All Together

Here’s some example HTML of properly formatted H tags in action:

<h1>We’ve got Cash Advances for Every Occasion!</h1>

Whether you’re looking for a cash advance to cover an unexpected expense, emergency medical bills, or that much needed vacation, we’ve got the cash you need!

<h2>Cash Advances: Perfect for Unexpected Bills</h2>

With the cost of energy on the rise and record-breaking temperature lows, it’s easy to see why bills can be overwhelming. Did you know you can use a cash advance to cover unusually high utility payments without worrying about disconnections or late fees?

<h2>Paying for Emergency Medical Expenses</h2>

Sometimes life’s emergencies come without warning, which is why instant approval cash advances can come in extra handy should the unthinkable occur. Our cash advance products are favored by consumers because …

  • <h3>Cash Advances are Fast</h3>
    Once approved, you’ll receive your funds electronically overnight
  • <h3>Applying Online is Easy</h3>
    Our application only takes a few minutes, and in many cases no faxing will be required

(…and I could go on.)

As you can see, H1 was used to highlight the topic (cash advances for any occasion), followed by the enumeration of that topic with H2 tags (types of occasions), and then finally support for a specific topic (qualities that are attractive for a specific occasion). You might have even noticed that I didn’t use “cash advance” in every tag in order to avoid keyword stuffing; instead I would recommend using words that consumers might use to describe your product or your product’s qualities (in this case, “applying,” “fast,” and “easy” were used since these are common search descriptors). A good rule of thumb would be 75/25, meaning 75% cash advance or related phrases and 25% product descriptors.

Related Topics:

- Blumey

Tuesday, 26 December 2006 14:14:36 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 
 Wednesday, 20 December 2006

I promised a few SEO people that I'd very candidly report my experiences over at the Elite Retreat which took place Dec 18-19 in San Antonio, TX, so below is my foggy recollection of what may have occurred before and after that hazy period of imbibing scotch and spamming the Howl at the Moon message of the minute bar board. While some of the attendees were looking to give their website a tweak or a tune, others definitely benefited from the buzz.

Just to clear things up for those that also attended: Cygnus is a dirty black hat spammer. Sorry, I think Dave Taylor was editing for a bit here. What I meant to say is that a large amount of material was covered, ranging from the pure snow white hat "content without concern" to the existence of some darker stuff, that could lead a site you truly care about to get axed (be safe or don't be sloppy granddad always said).

For someone in my position, the true value of such a get together was not in the actual information "presented"; rather, it was a chance for a guy that tends to keep to himself to get out and meet some interesting people face to face. While I've probably traded comments on various forums with Aaron for several years now, I've only now just met him; the same now goes for Jeremy (and I'm glad I did; they are both very human and approachable for those of you just starting out in this business, hardly any cyborg qualities that I could detect). Having been around for a while in this industry, and having little non-working waking time available, it was nice to get away for a couple days.

So did I benefit from going? Dropping $5k on a conference that could potentially have just been repeating anything I probably already read in the dozens of forums and blogs on my daily radar? Yes…not in the conventional sense, but yes nonetheless. I naturally didn't get a lot out of the more basic material regarding blogging, forums and how to monetize them, standard PPC arbitrage, or even the normal SEO layout issues, but there were various signals I picked up on that occurred mostly in side conversations. You see, whenever a high enough bar is set for an attendee, one can almost be assured to get as much out of fellow attendees and side conversations with the presenters as from the one-on-one with presenters themselves at regular conferences. Though I can't go into details for obvious (going to cost more than $5k to wring it out of me) reasons, I did get some juicy nuggets regarding things I've suspected but couldn't empirically test, a couple tricks that I had long abandoned that now work again, and some information from previously unknown sources that flat out works and I now need to spend about a week trying to figure out how and why.

Anyhow, so that is from someone that's been around the block, who is running a decent-sized operation; for someone newer, the more obvious value is in the presentations and the face-to-face visits. For those of you new people, I'll personally have to track you down if you don't follow up with the one-on-one consulting…take some time to digest everything that happened, but then formulate the most important things you can do and try to do them - when you hit your second or third roadblock, setup the calls.

Cygnus on future Elite Retreat conferences
Please don't expect anyone at any conference to simply spill all their trade secrets (without offering anything in return) or run your business for you; that just won't happen and is a recipe for failure. If you instead go with an idea of what you hope to accomplish in terms of a few key takeaways, and keep your ears open at absolutely all times (to absolutely everyone, no matter how good or bad you think you are), you can do quite well.

I have some ideas on ways that the Elite Retreat could be even better for the next crop of attendees, but I'll keep that off of the public posting for now.


Wednesday, 20 December 2006 16:22:23 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 
 Tuesday, 19 December 2006

What better way to be a true blogger than to blog about blogging? I can’t think of a single one…

(How embarrassing.)

We’ve been hammering home the importance of not using duplicate content on your cash advance site, but up until this point the assumption has been that “duplicate content” comes from copying other websites either verbatim or in chunks; what we haven’t talked about is sites that repost content in more than one location. A blog like ours is the perfect example of this, so the question is: will a site be penalized for owning pages with duplicate content throughout just because a blog tool slices the content differently?

What Might a Cash Advance Blog Look Like

Adam Lasnik of the Google Webmaster Central Blog offers a very thorough overview of what duplicate means to Google in a recent blog post, the gist of it being that Google’s algorithm can tackle the duplicate content and decide which page is the “best version” of the content you’re trying to present. So what does all this mean if you manage a blog for your cash advance clients? Well, let’s take the Payday Loan Affiliate Network Blog as an example – this post will be, at its maximum, located in five separate places:

  1. On the page
  2. On the month listing for December
  3. On the day listing for December 19th
  4. On the category listing page for “content”
  5. At the article’s unique URL (probably the desired “home” of the unique content in most cases)


If that doesn’t scream duplicate content then I don’t know what does. When I got to thinking about this I began to sweat profusely, get the spins, and – I’m not gonna lie – I think I threw up in my mouth a little bit. Sometime between updating my résumé and thinking about the terrible irony of forcing the duplicate content issue on the very same blog that would later be penalized for duplicate content it occurred to me… surely Google has a device to deal with this!

If you have a cash advance blog and it posts similar to the way our does then yes, you do have duplicate content – but that’s not a bad thing necessarily. Google will sort out which page it thinks is the most relevant; an example of this can be seen by running a site command on, which will reveal the unique blog post URLs long before the month, day, and category assortments (they’ll be at the very end of the blog).

You can use cues such as internal/external links as a method to suggest which pages you favor to Google and the other search engines. Additionally, you can use redirects, .htaccess mods and other methods better explained by Jon (hint hint) to hammer the point home because, let’s face it, leaving Google to its own devices can spell SERP disaster.

The point? So long as you’re presenting relevant blog posts about topics of interest to cash advance consumers and you’re doing it in a manner that will help a search engine determine which is the most relevant then you are all set. Sweating, spins, and throwing up is all unnecessary – unless you’re Blumey, of course.

- Blumey

Tuesday, 19 December 2006 13:26:05 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 
 Monday, 18 December 2006

There were several excellent posts last week on closed-network communities like Webmasterworld regarding a possible OOP or Over-optimization penalty assessed on Dec 7th; if you lost an affiliate site recently to Google's ever-changing index, that might be why.

For this week though, I'm going to briefly cover the importance of education; I'm writing this post from the back row of the Elite Retreat conference.

No matter how good you think you are at affiliate marketing, search optimization, branding, etc...there's always a little more that you could know. Even if you find out how people are doing the wrong things, you'll have still learned something valuable. Everyone has a lesson to share, if you listen closely enough.

How are some ways you could continue on with your education? Read as many affiliate marketing blogs, forums, and newsletters that you can. Most will eventually contradict each other, in some form or fashion, and no one source should probably be taken as gospel. Instead, it is vital to gain multiple persepctives on what you believe will and will not work, and then put those perspectives to test.

Until next week!


Monday, 18 December 2006 07:49:33 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 
 Friday, 15 December 2006

Don't repeat your mistakes. If you create new sites by first copying your old ones, you need to make sure you don't copy the mistakes too. As Blumey and I work with site designs, we occasionally encounter problems. I then fix them, and expect that future designs won't have that problem. Of course, it doesn't always work that way. Since Blumey's a designer, he starts with a vague idea of how he wants a site to look and sometimes a past design fits that idea. He'll then copy that site's code to modify. That's a great way to speed up the site design process. Unfortunately, sometimes he'll copy old designs that have the problems that were already fixed, and then he'll tell me it's broken. A typical exchange:

Blumey: "Jooon, this payday loan site is broken."
Jon: "Are you using the current version of the code?"
Blumey: "… Yes."

So I take a look at the site, and it's an old version of the code. I'll fix it and shoot a rubber band at him.

When you copy your old designs for new cash advance sites, make sure you update them with all of the latest fixes, or you'll keep running into the same problems over and over again.

-Jon K.

To be fair to Blumey, when I do site designs, it ends up looking like Timmy from South Park did it.

Friday, 15 December 2006 13:59:22 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 
 Tuesday, 12 December 2006

We’ve talked a lot about the different ways you can bring traffic to your site, but if you’re like a number of our more successful affiliates you might have a hard time picking just one. That’s good – we applaud any and all efforts to service the growing demands of the cash advance clientele – but how are you supposed to know how well each of your campaigns is doing?

During my last blog post I talked about the use of the a form element to make a seamless transition from your payday loan site to our secure loan processing application; one of the elements from that basic form was the campaign ID field:

<input name="campaign" type="hidden" id="campaign" value="WEBSITENAME">

We’ve enabled the use of campaign IDs to help you track the number of clicks, sales, conversions, etc. from each of your efforts, and you may do this by altering the form on each page where you intend for a client to land. For example, if you tried Joe’s advice about’s low-priced television ad service, you could build a page on your site (or a new site altogether) specifically for this type of traffic. You could then change the campaign form element on this page to something like “spotrunner-ad-six” and then accurately track the amount of traffic you’re receiving from this particular campaign. This allows you to figure out which efforts fly and which ones flop so you can adjust your marketing strategy accordingly.

Examples of Different Campaign ID Usage

You can have as many or as few campaign ID listings as you’d like, so the real question is how anal are you as an affiliate marketer? We have some affiliates that have a different campaign ID for every page on their site because they’re interested in knowing what page has the highest conversion rate. On the flipside, we also have affiliates that only create a new campaign ID when they launch a new website, so the ID effectively measures which site is pulling down more money. The campaign ID system can be as specific or as general as you’d like it to be – all you have to do is outline your system and make the appropriate changes in your HTML.

NOTE: Never change your Payday Loan Affiliate ID number! The commission associated with this five-digit number is what we use to determine how to pay you, so editing it will cause problems when we calculate our monthly payouts.

- Blumey

Tuesday, 12 December 2006 10:48:39 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 
 Monday, 11 December 2006

In this week's round-up of what we felt were the best blog posts / forum threads on SEO, affiliate marketing, and anything else that might be relevant for marketing payday loans, we found a lot of buzz associated with Adwords (and much of it is negative)...

Google Phone Spamming With Auto Dialers
Google Undermining Paypal in Their War on Affiliates
Google TrustRank drops another point
How Google Could Commoditize (Nearly) Everything


Monday, 11 December 2006 09:56:36 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 
 Friday, 08 December 2006

We've touched upon keyword research in the past for payday loans, but we wanted to give a couple examples of processes that have worked in the past. The problem, dear reader, is that trying to rank for "payday loan" is really tough, especially over a long period of time. However, ranking for "Indianapolis Payday Loan" isn't quite as difficult - the more niche the phrase is, the easier it gets to rank for. Additionally, if your content is tailored to that specific phrase, the conversions on your traffic are likely to benefit as well.

One of the golden oldies I like to use for quickie research is a script developed by Shawn at Digitalpoint. Plugging in our "payday loan" phrase, we're given a host of other phrases that could be relevant in our payday loan keyword research. The results shown are both from Wordtracker and Overture, but since Overture can be odd in the way it displays data sometimes, coupled with a nasty habit of combining singular and plural usage of keywords together, we'll just use

payday loans
payday loan
instant payday loan
no fax payday loans
no fax payday loan
advance cash loan payday quick
online payday loan service
faxless payday loans
payday loans online
bad credit payday loan
payday cash loan
savings account payday loan
cash advance payday loan
no teletrack payday loans

That smattering of phrases looks promising, but is there anything else we could do? If only there was something that could tell us similar phrases…something, like a thesaurus!

It is surprising how many SEOs don't consult the thesaurus when it comes to keyword research; more commissions for you I hope!

Since we're lazy around here, I typed in "loan" to my handy tool and was given a few results that might work. "Advance" sounds promising - substituting that word in the Digitalpoint tool I'm given a slightly different result set of lovely payday loan related phrases (this time selecting the Overture data):
payday advance
cash advance payday loan
payday advance loan
payday cash advance
advance cash loan online payday
online payday advance
fast cash advance payday loan
no fax payday advance
advance cash loan payday quick
fast payday advance
payday loan cash advance loan
quick payday advance loan
advance til payday
faxless payday advance
cash advance until payday
fast cash payday advance
no faxing payday advance
1000 advance payday loan
cash advance loan payday internet
no fax payday cash advance
check advance payday loan
no fax payday advance loan
cheap payday advance
advance till payday
advance loan online payday
payday advance service
1000 payday advance
cash advance payday loan software
payday advance california
online payday cash advance
instant cash online payday advance
payday advance loan texas
payday advance services
payday advance cash faxless loan
payday cash advance texas
payday advance loan new mexico
get payday cash advance
payday advance illinois
payday in advance
advance loan military payday
payday advance loan washington
payday cash advance new york
payday advance utah
payday advance michigan
payday cash advance today
payday cash advance washington
faxless advance payday loan
advance cash from loan online payday quick toda
payday check advance
payday cash advance personal loan

Now, if you were to build a site around "payday cash advance today" and followed the other marketing advice given on this blog, the chances of your ranking aren't too shabby.

Good luck!


Friday, 08 December 2006 14:27:13 (US Mountain Standard Time, UTC-07:00)  #     
 |  |   | 
 Tuesday, 05 December 2006

How to build a short version of the cash advance application form is one of the most common questions we get from affiliates old and new. We’ve finally standardized the form code needed to transfer data from your site to our secure cash advance processing application, so here you go:

<form action="" method="post" name="frmApply" id="frmApply">

<input name="campaign" type="hidden" id="campaign" value="WEBSITENAME">
<input name="affl_id" type="hidden" id="affl_id" value="12345">

First Name: <input name="q1" type="text" size="15" />
Last Name:  <input name="q3" type="text" size="15" />
E-Mail:     <input name="q4" type="text" size="15" />

I have a regular source of income.
<input type="checkbox" value="Y" name="q5" checked="checked" />

I receive at least $1000/month.
<input type="checkbox" value="Y" name="q6" checked="checked" />

I have an active bank account.
<input type="checkbox" value="Y" name="q38" checked="checked" />

<input name="Submit" type="Submit">


This is the most basic form of the code of course, but you may choose to spice it up like some of our affiliates. Here’s an example of two sites that have used the form in different ways:

Example Cash Advance Forms
*special thanks to the folks at Power Payday Loans and Urgent Cash Advance Loans for letting me use them as an example

The form on the right is in use at Power Payday Loans, and as you can see they’ve chosen to make use of more graphical elements such as a fancy submit button and some shaded table elements to make their form pop out; Urgent Cash Advance Loans opted for some CSS mouseover functionality to call attention to their form when the user interacts with their page (I'd recommend visiting each site to get the full effect). Both sites used the same basic code to do something completely different, so I challenge every member of our program to take the code and do their own thing!

Modifying the Code for Your Needs

The only fields that really need to be changed are the two hidden fields up top. Swap out the id=”campaign” with the name of a sub-tracking variable you want to associate with your site and then change the id=”affil_id” to your affiliate ID as provided to you in your initial sign up email. (If you don’t have your ID handy email me and I’ll track it down for you.)

Apart from that you should be good to go – happy lead hunting!

- Blumey

Tuesday, 05 December 2006 10:08:06 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 
 Monday, 04 December 2006

In this week's round-up of what we felt were the best blog posts / forum threads on SEO, affiliate marketing, and anything else that might be relevant for marketing payday loans, it looks like this was a good week for technical and philosophical approaches, whether they be how to redirect traffic via JavaScript or how to design niche sites...

How Google AdWords Ads Manipulate Google's Organic Search Results
Designing and Marketing Quality Niche Content Websites
SEO Advice
Is PPC Arbitrage Dead?


Monday, 04 December 2006 14:47:21 (US Mountain Standard Time, UTC-07:00)  #     
 |   | 

Call Toll-Free Now! 855-371-8009