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	<title>PM Team</title>
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	<description>Info, ideas and thoughts</description>
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		<title>PM Team</title>
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		<item>
		<title>Content and Design Inspiration 2</title>
		<link>http://privacyteam.wordpress.com/2008/02/12/content-and-design-inspiration-2/</link>
		<comments>http://privacyteam.wordpress.com/2008/02/12/content-and-design-inspiration-2/#comments</comments>
		<pubDate>Tue, 12 Feb 2008 19:30:11 +0000</pubDate>
		<dc:creator>privacyteam</dc:creator>
				<category><![CDATA[Research]]></category>

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		<description><![CDATA[Here&#8217;s some more inspirational links to look at (click headline or &#8220;Read more&#8221; to see full list): News/Current Affairs http://www.newsweek.com/ http://money.cnn.com/magazines/fortune/ http://www.time.com/time/ http://www.slate.com/ http://www.salon.com/index.html Business http://www.inc.com/ http://www.businessweek.com/ http://www.realtor.org/rmohome.nsf/pages/rmohome http://creditunionmagazine.com/ http://www.kiplinger.com/ Sports http://www.nfl.com/nflnetwork http://sports.espn.go.com/espn/page2/index http://sports.espn.go.com/espn/page2/story?page=jackson/080207 http://www.tennis.com/ http://outside.away.com/index.html TV http://cwtv.com/shows/reaper http://www.abc.go.com/index http://abc.go.com/primetime/lost/index?pn=index http://www.nbc.com/ http://www.nbc.com/Heroes/create_your_hero/ Science/Technology http://www.macworld.com/ http://www.maclife.com/ http://www.blender.com/index.aspx http://www.nintendo.com/wii http://www.sony.com/index.php http://www.sciencemag.org/ http://www.pcmag.com/ http://www.popsci.com/ http://discovermagazine.com/ http://www.nationalgeographic.com/ Entertainment/Lifestyle http://www.rollingstone.com/ [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=27&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Here&#8217;s some more inspirational links to look at <i>(click headline or &#8220;Read more&#8221; to see full list)</i>:</p>
<div class="Section1">
<p class="MsoNormal"><span style="font-family:Geneva;color:#fe0000;"><b><font color="#000000">News/Current Affairs</font><u><br />
</u></b></span><span style="font-family:Arial;color:blue;"><u><a href="http://www.newsweek.com/">http://www.newsweek.com/</a><br />
<a href="http://money.cnn.com/magazines/fortune/">http://money.cnn.com/magazines/fortune/</a><br />
<a href="http://www.time.com/time/">http://www.time.com/time/</a><br />
<a href="http://www.slate.com/">http://www.slate.com/</a><br />
<a href="http://www.salon.com/index.html">http://www.salon.com/index.html</a><br />
</u></span><span style="font-family:Geneva;"><br />
<span style="color:#fe0000;"><b><font color="#000000">Business</font><u><br />
</u></b></span></span><span style="font-family:Arial;color:blue;"><u><a href="http://www.inc.com/">http://www.inc.com/</a><br />
<a href="http://www.businessweek.com/">http://www.businessweek.com/</a><br />
<a href="http://www.realtor.org/rmohome.nsf/pages/rmohome">http://www.realtor.org/rmohome.nsf/pages/rmohome</a><br />
<a href="http://creditunionmagazine.com/">http://creditunionmagazine.com/</a><br />
<a href="http://www.kiplinger.com/">http://www.kiplinger.com/</a></u></span></p>
<p class="MsoNormal"><span style="font-family:Arial;color:blue;"><u><a href="http://www.kiplinger.com/"></a></u></span><a href="http://www.kiplinger.com/"><span id="more-27"></span></a><span style="font-family:Arial;color:blue;"><u><br />
</u></span><span style="font-family:Geneva;"><br />
<span style="color:red;"><b><font color="#000000">Sports</font><u><br />
</u></b></span></span><span style="font-family:Arial;color:blue;"><u><a href="http://www.nfl.com/nflnetwork">http://www.nfl.com/nflnetwork</a><br />
<a href="http://sports.espn.go.com/espn/page2/index">http://sports.espn.go.com/espn/page2/index</a><br />
<a href="http://sports.espn.go.com/espn/page2/story?page=jackson/080207">http://sports.espn.go.com/espn/page2/story?page=jackson/080207</a><br />
<a href="http://www.tennis.com/">http://www.tennis.com/</a><br />
<a href="http://outside.away.com/index.html">http://outside.away.com/index.html</a><br />
</u></span><span style="font-family:Geneva;"><br />
<span style="color:#fe0000;"><b><font color="#000000">TV</font><u><br />
</u></b></span></span><span style="font-family:Arial;color:blue;"><u><a href="http://cwtv.com/shows/reaper">http://cwtv.com/shows/reaper</a><br />
<a href="http://www.abc.go.com/index">http://www.abc.go.com/index</a><br />
<a href="http://abc.go.com/primetime/lost/index?pn=index">http://abc.go.com/primetime/lost/index?pn=index</a><br />
<a href="http://www.nbc.com/">http://www.nbc.com/</a><br />
<a href="http://www.nbc.com/Heroes/create_your_hero/">http://www.nbc.com/Heroes/create_your_hero/</a><br />
</u></span><span style="font-family:Geneva;"><br />
<span style="color:#fe0000;"><b><font color="#000000">Science/Technology</font><u><br />
</u></b></span></span><span style="font-family:Arial;color:blue;"><u><a href="http://www.macworld.com/">http://www.macworld.com/</a><br />
<a href="http://www.maclife.com/">http://www.maclife.com/</a><br />
<a href="http://www.blender.com/index.aspx">http://www.blender.com/index.aspx</a><br />
<a href="http://www.nintendo.com/wii">http://www.nintendo.com/wii</a><br />
<a href="http://www.sony.com/index.php">http://www.sony.com/index.php</a><br />
<a href="http://www.sciencemag.org/">http://www.sciencemag.org/</a><br />
<a href="http://www.pcmag.com/">http://www.pcmag.com/</a><br />
<a href="http://www.popsci.com/">http://www.popsci.com/</a><br />
<a href="http://discovermagazine.com/">http://discovermagazine.com/</a><br />
<a href="http://www.nationalgeographic.com/">http://www.nationalgeographic.com/</a><br />
</u></span><span style="font-family:Geneva;"><br />
<span style="color:#fe0000;"><b><font color="#000000">Entertainment/Lifestyle</font><u><br />
</u></b></span></span><span style="font-family:Arial;color:blue;"><u><a href="http://www.rollingstone.com/">http://www.rollingstone.com/</a><br />
<a href="http://www.marthastewart.com/">http://www.marthastewart.com/</a><br />
<a href="http://www2.oprah.com/index.jhtml">http://www2.oprah.com/index.jhtml</a><br />
<a href="http://www.fineliving.com/">http://www.fineliving.com/</a><br />
<a href="http://www.allure.com/">http://www.allure.com/</a><br />
<a href="http://www.billboard.com/bbcom/index.jsp">http://www.billboard.com/bbcom/index.jsp</a><br />
<a href="http://hol.hispaniconline.com/">http://hol.hispaniconline.com/</a><br />
<a href="http://www.vibe.com/">http://www.vibe.com/</a><br />
<a href="http://mixonline.com/">http://mixonline.com/</a><br />
<a href="http://redeye.chicagotribune.com/">http://redeye.chicagotribune.com/</a><br />
<a href="http://www.wmagazine.com/">http://www.wmagazine.com/</a><br />
<a href="http://www.washingtonian.com/index.html">http://www.washingtonian.com/index.html</a><br />
<a href="http://www.self.com/">http://www.self.com/</a><br />
<a href="http://nymag.com/">http://nymag.com/</a></u></span></div>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">privacyteam</media:title>
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	</item>
		<item>
		<title>Nice Video player</title>
		<link>http://privacyteam.wordpress.com/2008/02/12/nice-video-player/</link>
		<comments>http://privacyteam.wordpress.com/2008/02/12/nice-video-player/#comments</comments>
		<pubDate>Tue, 12 Feb 2008 16:01:50 +0000</pubDate>
		<dc:creator>drjohn26</dc:creator>
				<category><![CDATA[Research]]></category>

		<guid isPermaLink="false">http://privacyteam.wordpress.com/?p=26</guid>
		<description><![CDATA[NBC&#8217;s Nightly News has an online video page with a nice, wide screen player and thumbnail images that rotate as new video is loaded. Also, note the expandable banner on the page and commercial video that causes an associated banner to pop-up as it plays. Below the fold, they&#8217;ve included many links to other content. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=26&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>NBC&#8217;s Nightly News has an online video page with a nice, wide screen player and thumbnail images that rotate as new video is loaded. Also, note the expandable banner on the page and commercial video that causes an associated banner to pop-up as it plays. Below the fold, they&#8217;ve included many links to other content. This may be for search purposes.</p>
<p><a href="http://www.msnbc.msn.com/id/3032619/" title="NBC Nightly News" target="_blank">http://www.msnbc.msn.com/id/3032619/</a></p>
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			<media:title type="html">drjohn26</media:title>
		</media:content>
	</item>
		<item>
		<title>Content and Design Inspiration</title>
		<link>http://privacyteam.wordpress.com/2008/02/11/content-and-design-inspiration/</link>
		<comments>http://privacyteam.wordpress.com/2008/02/11/content-and-design-inspiration/#comments</comments>
		<pubDate>Mon, 11 Feb 2008 21:43:38 +0000</pubDate>
		<dc:creator>CV</dc:creator>
				<category><![CDATA[Content]]></category>

		<guid isPermaLink="false">http://privacyteam.wordpress.com/?p=25</guid>
		<description><![CDATA[Following up on our conversation from last week, here&#8217;s some additional information regarding the &#8220;voice,&#8221; content tone, and presentation I would like us to develop. As I mentioned, I&#8217;m looking for a light-hearted tone, something with a bit of whimsy and fun, but also very instructional and educational. Creating a unique &#8220;voice&#8221; for our site [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=25&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Following up on our conversation from last week, here&#8217;s some additional information regarding the &#8220;voice,&#8221; content tone, and presentation I would like us to develop.  As I mentioned, I&#8217;m looking for a light-hearted tone, something with a bit of whimsy and fun, but also very instructional and educational.</p>
<p>Creating a unique &#8220;voice&#8221; for our site can be derived from two complimentary site standards:</p>
<p>1. A unique site design<br />
2. A unique writing/content style.</p>
<p>1. Site design communicating a voice for content.</p>
<p>Information that is technical in nature can be softened or creatively displayed through an effective site design.  Some examples of sites that create a &#8220;voice&#8221; through their site design and the delivery of content:</p>
<p><a href="http://www.ehow.com">http://www.ehow.com</a><br />
<a href="http://journalism.org">http://journalism.org</a><br />
<a href="http://www.wired.com">http://www.wired.com</a><br />
<a href="http://www.motherjones.com">http://www.motherjones.com</a><br />
<a href="http://www.theonion.com/content/index">http://www.theonion.com/content/index</a><br />
<a href="http://www.redherring.com">http://www.redherring.com</a></p>
<p>A few minutes on each of these sites and you will see many common design &amp; content display styles.  Interactive, visual, well laid out, dynamic, etc.</p>
<p>2. Engaging content written in a unique style to create a &#8220;voice&#8221;</p>
<p>Obviously the actual content itself is equally as important as the display style of the site.  Creating a unique twist on the same stories everyone is talking about is the primary goal.  Some of the sites I listed above have some unique writing styles as well as great display (Wired certainly has a unique voice).</p>
<p><a href="http://www.Moosejaw.com">http://www.Moosejaw.com</a> &#8211; Spend more than just a couple of minutes on this site.  I&#8217;ve known the owners of this company for 6 years, and they continue to build a very loyal following, especially in the core 20-35 demo.  Read their corporate bios, check out the photo gallery, spend 10 mins on this site and you&#8217;ll find yourself wanting to read more, click on more, and before you know it you&#8217;ll be buying from them. Very comical writing style.</p>
<p>Other unique content styles:</p>
<p><a href="http://www.consumerreports.org/cro/index.htm">http://www.consumerreports.org/cro/index.htm</a> &#8211; great instructional guides, articles, etc.<br />
<a href="http://www.fatsecret.com">www.fatsecret.com</a><br />
<a href="http://www.nowpublic.com">www.nowpublic.com</a> &#8211; strong combination of content + user generated info<br />
<a href="http://www.howtodothings.com/finance-real-estate/how-to-get-a-free-credit-report">http://www.howtodothings.com/finance-real-estate/how-to-get-a-free-credit-report</a></p>
<p><i>Brought to you courtesy of Jeff</i>.</p>
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			<media:title type="html">CV</media:title>
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	</item>
		<item>
		<title>Online Privacy Concerns</title>
		<link>http://privacyteam.wordpress.com/2008/01/17/online-privacy-concerns/</link>
		<comments>http://privacyteam.wordpress.com/2008/01/17/online-privacy-concerns/#comments</comments>
		<pubDate>Thu, 17 Jan 2008 21:09:45 +0000</pubDate>
		<dc:creator>drjohn26</dc:creator>
				<category><![CDATA[Research]]></category>

		<guid isPermaLink="false">http://privacyteam.wordpress.com/2008/01/17/online-privacy-concerns/</guid>
		<description><![CDATA[Study: Online Privacy Concerns Increase By ANICK JESDANUN AP Internet Writer &#160; NEW YORK (AP) &#8212; Privacy concerns stemming from online shopping rose in 2007, a new study finds, as the loss or theft of credit card information and other personal data soared to unprecedented levels. Sixty-one percent of adult Americans said they were very [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=24&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p class="body"><span class="headline">Study: Online Privacy Concerns Increase    </span></p>
<p class="ap-story-p"> <span class="byline">By ANICK JESDANUN         </span><br />
<span class="bylinetitle">AP Internet Writer</span></p>
<p class="ap-story-p">&nbsp;</p>
<p class="ap-story-p"> NEW YORK (AP) &#8212; Privacy concerns stemming from online shopping rose in 2007, a new study finds, as the loss or theft of credit card information and other personal data soared to unprecedented levels.</p>
<p class="ap-story-p">Sixty-one percent of adult Americans said they were very or extremely concerned about the privacy of personal information when buying online, an increase from 47 percent in 2006. Before last year, that figure had largely been dropping since 2001.</p>
<p class="ap-story-p">People who do not shop online tend to be more worried, as are newer Internet users, regardless of whether they buy things on the Internet, according to the survey from the University of Southern California&#8217;s Center for the Digital Future.<span id="more-24"></span></p>
<p class="ap-story-p">The study, to be released Thursday, comes as privacy and security groups report that an increasing number of personal records are being compromised because of data breaches at online retailers, banks, government agencies and corporations.</p>
<p class="ap-story-p">The Identity Theft Resource Center, for instance, listed more than 125 million records reported compromised in the United States last year. That&#8217;s a sixfold increase from the nearly 20 million records reported in 2006.</p>
<p class="ap-story-p">Data breaches often result from lost or stolen computer equipment such as laptops, though the single largest breach was a case of online hacking. Early last year, TJX Cos. disclosed that a data theft had exposed tens of millions of credit and debit cards to potential fraud.</p>
<p class="ap-story-p">The card numbers were typically collected during brick-and-mortar retail transactions at T.J. Maxx, Marshalls and other TJX chains. The breach is believed to have started when hackers intercepted wireless transfers of customer information at two Marshalls stores in Miami &#8211; an entry point that led the hackers to eventually break into TJX&#8217;s central databases.</p>
<p class="ap-story-p">Nonetheless, concerns about credit card security have largely stabilized, with 57 percent very or extremely concerned last year. It was 53 percent in 2006, a difference within the survey&#8217;s margin of sampling error of 3 percentage points in either direction.</p>
<p class="ap-story-p">As of 2007, two-thirds of adult Internet users shop online, compared with just half a year earlier. Most spend $100 or less a month, and two-thirds of online shoppers have reduced buying at brick-and-mortar stores.</p>
<p class="ap-story-p">&#8220;You&#8217;d think the logical attitude would be to look at this level of concern and say I&#8217;m not going to shop on the Web, but it&#8217;s not happening,&#8221; said Jeff Cole, director of the Center for the Digital Future. &#8220;The advantages, the conveniences are so extraordinary.&#8221;</p>
<p class="ap-story-p">With credit card fraud, a customer&#8217;s liability is capped at $50, and even that amount is often waived. Customers often know of fraudulent charges quickly if they check their accounts online or are notified by their banks, which have security measures in place to flag suspicious transactions.</p>
<p class="ap-story-p">Identity theft, on the other hand, can take months and sometimes years to find out about and resolve, Cole said, possibly explaining the greater concern over privacy.</p>
<p class="ap-story-p">Among other findings in the annual survey, online parents are more likely than ever to withhold Internet use as punishment &#8211; 62 percent in 2007, compared with 47 percent a year earlier and 32 percent in 2000. For the first time, denying Internet access is on par with banning television for bad behavior.</p>
<p class="ap-story-p">&#8220;What we&#8217;ve seen over those seven years is parents really now seeing that the Internet has lots of great stuff on it and can be really important, but also can be a time waster,&#8221; Cole said. &#8220;They view it much closer to the way they see television.&#8221;</p>
<p class="ap-story-p">Nearly two-thirds of parents, meanwhile, worry about kids participating in online communities and about half believe online predators to be a threat, notwithstanding other research showing fewer youths receiving sexual solicitations over the Internet as they become smarter about where they hang out and with whom they communicate online.</p>
<p class="ap-story-p">&#8220;The perception is higher than reality, but the perception is significant and leads to how much access you give your kids and whether you let them (surf) unsupervised,&#8221; Cole said.</p>
<p class="ap-story-p">Internet penetration continues to show signs of plateauing. The percentage of former users who say they have no intention of going back online continues to increase, and less than half of those who have never used the Internet plan to log on in the coming year.</p>
<p class="ap-story-p">Newer users are more likely than veterans to access the Internet through a dial-up connection, and newer users tend to spend an average of 1.2 hours a week more than veterans playing online games. Veterans are more likely to read a newspaper or listen to the radio over the Internet.</p>
<p class="ap-story-p">Twenty-one percent of Internet users have stopped a newspaper or magazine subscription because they could get it online, while half of the Americans who read a print edition of the paper said they would miss it if it were to go away.</p>
<p class="ap-story-p">The study of 2,021 Americans was conducted Feb. 28 to Aug. 6, with participants selected randomly by telephone.</p>
<p class="ap-story-p">© 2008 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Learn more about our <a href="http://apdigitalnews.com/privacy.html">Privacy Policy</a>.</p>
<p><a href="http://news.wired.com/dynamic/stories/I/INTERNET_USE?SITE=WIRE&amp;SECTION=HOME&amp;TEMPLATE=DEFAULT&amp;CTIME=2008-01-16-13-09-34#"><img src="http://news.wired.com/icons/ic_sm.gif" border="0" height="19" width="18" /> <font size="-1">Purchase this AP story for reprint.</font></a></p>
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		<description><![CDATA[To view Credit.com&#8217;s monthly newsletter, click &#8220;more&#8221; link: January 2008 Credit insight from Credit.com &#160; &#160; &#160; &#160; Welcome to the Credit.com newsletter! Happy New Year! In this issue, we have eight unique resolution ideas for 2008 straight from our personal finance experts. Plus, tips for protecting your family from identity theft. We&#8217;d love to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=21&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>To view Credit.com&#8217;s monthly newsletter, click &#8220;more&#8221; link:<span id="more-21"></span></p>
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<h3>January 2008</h3>
<h4>Credit insight from <a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.credit.com/r/home_page/af=p40523%26ag=header" target="_blank">Credit.com</a></h4>
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<h2>Welcome to the Credit.com newsletter!</h2>
<p>Happy New Year! In this issue, we have eight unique                          resolution ideas for 2008 straight from our personal                          finance experts. Plus, tips for protecting your family                          from identity theft.</p>
<p>We&#8217;d love to hear from you! Send us an <a href="mailto:tidbits@credit.com" target="_blank">email</a> with your                          questions or comments anytime!</td>
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<h2>Quick Tip</h2>
<p>Protect your family from identity theft in 2008 with                          Family Secure from Experian. With this program, you can                          monitor your children&#8217;s personal information and your                          Experian credit file for only $19.95 a month.</p>
<p><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.credit.com/r/Experian-familysecure/af=p40523%26ag=tip" target="_blank">Protect                          your Children with Family Secure </a></td>
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<h2>Ask John</h2>
<p>Can Americans break our addiction to debt? Read                          John&#8217;s tips for changing your credit attitude and having                          healthy finances.</p>
<p><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.credit.com/r/tidbits-vol28/af=p40523%26ag=askjohn" target="_blank">See                          John&#8217;s advice </a></p>
<p><i>PS: Catch John on CNBC&#8217;s </i>The Millionaire                          Inside, From Debt to Wealth<i> special broadcasting                          January 28th!</i></td>
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<h2>On the Blog</h2>
<p>You may have heard about peer-to-peer lending sites,                          but do you know how they really work? In this post, we                          compare the different services to help you make a smart                          decision.</p>
<p><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.creditbloggers.com/2008/01/comparing-peer.html" target="_blank">Learn                          about peer-to-peer lending. </a></td>
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<td valign="top" width="347"><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.credit.com/r/10resolutions/af=p40523%26ag=article" target="_blank"><img src="http://www.credit.com/assets/img/tidbits/Hdr_January08.jpg" border="0" height="143" width="347" /></a> <b></b></p>
<h3><b>8 Smart Resolutions for 2008</b></h3>
<p>Every year, the collective personal finance industry recommends              the same set of resolutions to consumers: pay off your debts,              improve your credit score, build your savings, blah, blah, blah.              This year, we&#8217;re going to try something new. Read on for eight real              resolutions from our experts to help you maximize your money in              2008:</p>
<p><b>1. Make more money</b>. An easy way to get out of              debt and improve your finances is to get more money. This could mean              asking for a raise at work, switching jobs, taking a training class              or getting creative. Sites like eBay and Etsy make it easy to set up              shop online and earn a little extra income.</p>
<p><b>2. Earn rewards on your ATM card</b>. A new service              from Capital One allows you to earn credit card-style rewards for              everyday purchases from your existing checking account. Called a              &#8220;decoupled&#8221; card, this program is free and doesn&#8217;t require a credit              check. <a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.credit.com/r/cap1-Debit-MasterCard/af=p40523%26ag=article" target="_blank">Learn              more. </a></p>
<p><b>3. Borrow smart</b>. <u><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.credit.com/r/ploanaff/af=p40523%26ag=article" target="_blank">Personal              loans</a></u> are an easy way to borrow up to $10,000 for any              purpose. But these loans work best when you enter into them with a              plan. If you&#8217;re borrowing to consolidate debts, finance a remodel,              pay off medical bills or take a vacation, remember that it is a              smart financial move to get the loan paid off quickly.</p>
<p><b>4. Audit your credit cards</b>. Do you know what              rates and fees you&#8217;re being charged? If not, take 20 minutes to              login to your accounts online or gather your recent statements and              see where you stand. If you are unhappy with what you see, try              calling the creditors to negotiate a lower rate.</p>
<p><b>5. Become a credit geek</b>. Learn the ins and outs              of the credit scoring system by reading credit industry expert John              Ulzheimer&#8217;s new book: <i><u><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=https://www.credit.com/r/book/af=p40523%26ag=article" target="_blank">You&#8217;re              Nothing but a Number</a></u>.</i> Don&#8217;t settle for basic credit              improvement tips. Get the real story and get your credit on              track.</p>
<p><b>6. Make your savings work for you</b>. Regular bank              savings accounts earn you a meager 0.7% APY on average. A high-yield              savings account can earn you 4.2% or more with no minimums and no              fees. Even if you can only save $25 a month, it makes sense to <u><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.credit.com/r/ing_orange_savings/" target="_blank">open one of these              accounts.</a></u></p>
<p><b>8. Drive car salesmen nuts</b>. Who doesn&#8217;t love              getting the better end of the deal on a car purchase? Outsmart an              auto dealer by arriving prepared with your <u><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=https://www.credit.com/r/auto0j/af=p40523%26ag=article" target="_blank">own              financing</a></u>. Even if you don&#8217;t end up using the loan, it can              help you negotiate a lower rate and a sweeter price.</p>
<p><b>7. Consider secured cards</b>. If you&#8217;re working to              rebuild your credit, don&#8217;t overlook <u><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.credit.com/r/card_secure/af=p40523%26ag=article" target="_blank">secured              credit cards</a></u>. These cards require you to deposit money into              a savings account in order to open the account. You&#8217;ll get the              deposit back with interest when the account is closed or migrated to              an unsecured offer.</p>
<p>What&#8217;s your resolution for 2008? Send your comments or questions              to <a href="mailto:tidbits@credit.com" target="_blank">tidbits@credit.com</a>              anytime.</p>
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<td><a href="https://owa.vertrue.com/exchweb/bin/redir.asp?URL=http://www.credit.com/r/tidbits/af=p40523%26ag=share" target="_blank"><img src="http://www.credit.com/assets/img/tidbits/shareIt.gif" border="0" height="36" width="114" /></a></td>
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<td>&nbsp;</td>
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<h2>Quote of the Month</h2>
<p>&#8220;Always bear in mind that your own resolution to succeed is more              important than any one thing.&#8221;</p>
<p>- Abraham Lincoln</td>
<td width="30">&nbsp;</td>
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<td width="21">&nbsp;</td>
<td class="footer" valign="top" width="539">Tidbits &#8211; January 2008<b>About this newsletter</b><br />
This information has been        compiled and provided by Credit.com as a service to the public. While our        goal is to provide information that will help consumers to manage their        credit and debt, this information should not be considered legal advice.        Such advice must be specific to the various circumstances of each person&#8217;s        situation, and the general information provided on these pages should not        be used as a substitute for the advice of competent legal counsel.<b>Unsubscribe</b><br />
We value your privacy. If you would        like to unsubscribe from the free monthly Tidbits newsletter, please send        a blank email to <a href="mailto:leave-138292-1132134.0239196bb032ecae9892bb4e66edc752@listserv.credit.com" target="_blank">leave-138292-1132134.0239196bb032ecae9892bb4e66edc752@listserv.credit.com</a>.        You will be removed from our newsletter mailing list        immediately.</p>
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550 15th Street &#8211; Suite 37<br />
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<p>© 2008 All rights reserved, Credit.com, Inc.</p>
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		<title>Home Page Brainstorming 1/7/08</title>
		<link>http://privacyteam.wordpress.com/2008/01/08/home-page-brainstorming-1708/</link>
		<comments>http://privacyteam.wordpress.com/2008/01/08/home-page-brainstorming-1708/#comments</comments>
		<pubDate>Tue, 08 Jan 2008 15:27:08 +0000</pubDate>
		<dc:creator>privacyteam</dc:creator>
				<category><![CDATA[Development]]></category>

		<guid isPermaLink="false">http://privacyteam.wordpress.com/2008/01/08/home-page-brainstorming-1708/</guid>
		<description><![CDATA[Media player ideas: Idea 1 (Paul, can you extract .fla file?) Idea 2 Idea 3 Idea: repurpose player to highlight benefits of PM Credit Form Conversion ideas: Idea 1 (bottom right “Get a free trial”) Idea 2 (rollover one of the images and click on “Quick info”) Idea 3 (Click on &#8220;free preview&#8221; for any [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=19&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<h2><font color="#008000"><b>Media player ideas:</b></font></h2>
<p><a href="http://www.lifestylechannel.com.au/home/" title="Lifestylechannel.com" target="_blank">Idea 1</a>  (Paul, can you extract .fla file?)<br />
<a href="http://cleanishappy.com/" title="cleanishappy.com" target="_blank">Idea 2</a><br />
<a href="http://www.yoursishere.com/" title="dell.com">Idea 3</a></p>
<p><b>Idea</b>: repurpose player to highlight benefits of PM Credit<span id="more-19"></span></p>
<h2><font color="#008000"><b>Form Conversion ideas:</b></font></h2>
<p><a href="http://www.instyle.com" title="instyle.com" target="_blank">Idea 1</a>  (bottom right “Get a free trial”)<br />
<a href="http://www.target.com/gp/search/601-0151322-8994533?ie=UTF8&amp;index=music&amp;ref=sr%5Fbx%5F1%5F1&amp;field-keywords=blade%20runner" title="Target.com" target="_blank">Idea 2</a> (rollover one of the images  and click on “Quick info”)<br />
<a href="http://www.sitepoint.com/kits/" title="sitepoint.com" target="_blank">Idea 3</a> (Click on &#8220;free preview&#8221; for any of these products.)</p>
<p><b>Idea</b>: create a “pop-up” LP form,  can be data pass or one page d&amp;b (multi-layered)</p>
<h2><font color="#008000"><b>Landing Page Ideas</b></font>:</h2>
<p><a href="https://edit.yahoo.com/registration?.intl=us&amp;new=1&amp;.done=http%3A//mail.yahoo.com&amp;.src=ym" title="Yahoo.com" target="_blank">Idea 1</a>  (click into fields to see descriptors)<br />
<a href="http://www.pglwebdesigns.com/contacts.php" title="pglwebdesigns.com" target="_blank">Idea 2</a>  (click “submit” button to see errors)</p>
<p><b>Idea:</b> Use html hints &amp; descriptors for better user experience</p>
<h2><font color="#008000"><b>Other Ideas:</b></font></h2>
<p><a href="http://takepart.com/" title="TakePart.com" target="_blank">Idea 1</a>   (rollover images in hort. scroll bar)<br />
<a href="http://www.cb2.com/Default.aspx" title="CB2.com" target="_blank">Idea 2</a>  (look at layout of secondary offerings under main offer)</p>
<p><b>Idea:</b> Use of images/icons to represent secondary offerings – Refer a friend, E-newsletter, Quiz, Compare Product Ben., etc.</p>
<h2><font color="#008000"><b>TO DO’S</b></font></h2>
<ul>
<li>Brian to create wireframes</li>
<li>Terrence to work on umbrella of PM logos</li>
<li>Paul to research flash players and pop-up forms mentioned above</li>
<li>Chris and Brian to work on new copy for main offer (player)</li>
<li>Brian to create webbies for logo redesign (done), IA planning, copy tone, and image research</li>
</ul>
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		<title>Email capture form</title>
		<link>http://privacyteam.wordpress.com/2008/01/07/email-capture-form/</link>
		<comments>http://privacyteam.wordpress.com/2008/01/07/email-capture-form/#comments</comments>
		<pubDate>Mon, 07 Jan 2008 17:49:16 +0000</pubDate>
		<dc:creator>privacyteam</dc:creator>
				<category><![CDATA[Research]]></category>

		<guid isPermaLink="false">http://privacyteam.wordpress.com/2008/01/07/email-capture-form/</guid>
		<description><![CDATA[. Click on &#8220;free preview&#8221; for any of these products. Click here.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=17&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://privacyteam.files.wordpress.com/2008/01/picture-13.png" title="popup email capture"><img src="http://privacyteam.files.wordpress.com/2008/01/picture-13.thumbnail.png?w=780" alt="popup email capture" /></a>. Click on &#8220;free preview&#8221; for any of these products. <a href="http://www.sitepoint.com/kits/" title="sitepoint.com" target="_blank">Click here.</a></p>
<br /><img alt="" border="0" src="http://feeds.wordpress.com/1.0/categories/privacyteam.wordpress.com/17/" /> <img alt="" border="0" src="http://feeds.wordpress.com/1.0/tags/privacyteam.wordpress.com/17/" /> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gocomments/privacyteam.wordpress.com/17/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/comments/privacyteam.wordpress.com/17/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godelicious/privacyteam.wordpress.com/17/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/delicious/privacyteam.wordpress.com/17/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gofacebook/privacyteam.wordpress.com/17/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/facebook/privacyteam.wordpress.com/17/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gotwitter/privacyteam.wordpress.com/17/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/twitter/privacyteam.wordpress.com/17/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/gostumble/privacyteam.wordpress.com/17/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/stumble/privacyteam.wordpress.com/17/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/godigg/privacyteam.wordpress.com/17/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/digg/privacyteam.wordpress.com/17/" /></a> <a rel="nofollow" href="http://feeds.wordpress.com/1.0/goreddit/privacyteam.wordpress.com/17/"><img alt="" border="0" src="http://feeds.wordpress.com/1.0/reddit/privacyteam.wordpress.com/17/" /></a> <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=17&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></content:encoded>
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			<media:title type="html">popup email capture</media:title>
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		<title>Lovely Flash Video Integration</title>
		<link>http://privacyteam.wordpress.com/2008/01/07/lovely-flash-video-integration/</link>
		<comments>http://privacyteam.wordpress.com/2008/01/07/lovely-flash-video-integration/#comments</comments>
		<pubDate>Mon, 07 Jan 2008 17:36:55 +0000</pubDate>
		<dc:creator>privacyteam</dc:creator>
				<category><![CDATA[Research]]></category>

		<guid isPermaLink="false">http://privacyteam.wordpress.com/2008/01/07/lovely-flash-video-integration/</guid>
		<description><![CDATA[Chris found this promo campaign for Aquafresh. Very cool. Click here. This campaign for Dell could work well for PM (different people presenting different offers). Click here.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=16&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Chris found this promo campaign for Aquafresh. Very cool. <a href="http://www.aquafresh.com/?startPage=whitetrays" target="_blank" title="aquafresh.com">Click here.</a></p>
<p>This campaign for Dell could work well for PM (different people presenting different offers). <a href="http://www.yoursishere.com/" title="dell.com" target="_blank">Click here.</a></p>
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		<title>Cool home page elements</title>
		<link>http://privacyteam.wordpress.com/2008/01/07/cool-home-page-elements/</link>
		<comments>http://privacyteam.wordpress.com/2008/01/07/cool-home-page-elements/#comments</comments>
		<pubDate>Mon, 07 Jan 2008 17:31:33 +0000</pubDate>
		<dc:creator>privacyteam</dc:creator>
				<category><![CDATA[Research]]></category>

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		<description><![CDATA[1. Check out the the position of nav and it&#8217;s rollover effect. Click here. 2. Take a look at nav, flash banner and background image on the sides. Click here. 3.  The flash hort. scroll is a great way to highlight the affilaite offers on the home page. Click here. 4. Similar to HP, Target [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=privacyteam.wordpress.com&amp;blog=2307310&amp;post=15&amp;subd=privacyteam&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>1. Check out the the position of nav and it&#8217;s rollover effect. <a href="http://customwater.info/index.html" title="Customwater.com" target="_blank">Click here.</a></p>
<p>2. Take a look at nav, flash banner and background image on the sides. <a href="http://www.luminus.com/" title="Luminus.com" target="_blank">Click here.</a></p>
<p>3.  The flash hort. scroll is a great way to highlight the affilaite offers on the home page. <a href="http://takepart.com/" title="TakePart.com" target="_blank">Click here.</a></p>
<p>4. Similar to HP, Target has a robust drop-down menu. Also, rollover one of the images  and click on &#8220;Quick info&#8221;. This is a great way to preview a product on the Portal or even mod-sites. <a href="http://www.target.com/gp/search/601-0151322-8994533?ie=UTF8&amp;index=music&amp;ref=sr%5Fbx%5F1%5F1&amp;field-keywords=blade%20runner" title="Target.com" target="_blank">Click here.</a></p>
<p>5. Nice flash banner to highlight different products, categories, or offers. <a href="http://www.lifestylechannel.com.au/home/" title="Lifestylechannel.com" target="_blank">Click here. </a></p>
<p>6.  I like the layout of elements on this home page. <a href="http://www.cb2.com/Default.aspx" title="CB2.com" target="_blank">Click here.</a></p>
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