Creativity is not something that everyone has the ability to express, it takes a certain “breed” of people to be able to come up with the ideas and works of art that the rest of us often times look at with amazement, wondering “why didn’t I think of that”?

A creative mind and ability to market can be truly valuable and pay off for some lucky people and companies!

According to Entrepreneur.com here are few of the 10 of the most brilliant marketing ideas:

- “Danicing in the Tube” – an ad for T-mobile featuring flash mobs in the middle of a London Tube station. This YouTube video has received tens of millions of page views.

- “The Coke geyser” – The YouTube video of mentos being dropped into a 2-liter bottle of Diet Coke. Record numbers of people viewed this on the internet, and sales of Mentos and Coke went up much higher.

- “Does she…or doesn’t she?” – Clairol’s series of ads for hair tints and dyes asking the question and making you wonder “does she….or doesn’t she??

- “Marlboro Man” – Marlboro originally marketed to women introduced the American cowboy in an effort to grab more of the market. The ads made Marlboro the bestselling cigarette in the world!

- “A diamond is forever” – De Beers mining company promoted the “requirement “of a diamond for marriage and attached the two months’ salary spending rule with it.

To come up with an icon or phrase that everyone recognizes and last forever is something that is truly amazing and inspiring!

Twitter and Yahoo! have announced a new relationship that will change the “tweeting” world forever! As if there is not already enough instant access to your friends, neighbors, and now even your dogs every tweeted thought, Yahoo! search will now include real-time twitter updates!

According to CNN, real-time tweets will now be available to the 600 million users in Yahoo’s global network. Twitter users will also be able to update their status from Yahoo! sites and share content from Yahoo! in their Twitter stream.

Is having bad credit preventing some people from being hired for positions that they would otherwise qualify for? According to some, this may be true.

In theory it has been thought that credit reports can give outsiders a glimpse into a persons reliability and honesty, however with the current economy and jobless rate, this might not be a fair way to judge or determine levels of responsibility. With so many people out of work and unable to pay bills, consistency in financial liability may not be as clear as it once was.

Credit checks may have some relevancy when hiring for positions with authority to spend, access to cash, financial responsibilities, or for an employee with the ability to access confidential information about other employees.These positions all need an individual who has proven dependability and honesty… of course, these are qualities that every employer looks for and hopes that their candidates of choice will hold, but does every job position constitute pulling a credit history? When does the line get drawn and personal information remains personal?

June 30th is the date that the Payday loan industry in Arizona will have to fight to survive past. The industry has many advocacy groups and local businesses supporting a bill that would allow the short-term loan companies to continue operating. Supporters of the bill believe that this economy has shown short-term smaller loans are necessary and not easily available from banks or credit unions; the lower dollar amount loans are helping a lower income or “fallen on hard times” part of the population.

In recent weeks, there have been talks on the largest debate surrounding the Payday industry, the interest rates. The interest rates are currently under a temporary exemption from the 36 percent, charging $17.65 per $100 borrowed for a 2 week loan; this exemption would expire on June 30th. The Payday loan lenders would possibly not generate enough revenue to cover overhead costs if capped at 36%, however this is the number that Representatives from the minority House Democrats would like to hold them to…

As these discussions continue and the debate grows, LeadPile will continue to keep you updated!

A couple years ago, there was an article that came out about the impact of the Google and does it really make us not use our brains? The verdict on this is up in the air, but one group did a study to detmine the impact the internet has on all of us. This study found that actually the internet helps to make us all smarter. “Most of the respondents also said the Internet would improve reading and writing by 2020, according to the study, conducted by the Imagining the Internet Center at Elon University in North Carolina and the Pew Internet and American Life project. Three out of four experts said our use of the Internet enhances and augments human intelligence, and two-thirds said use of the Internet has improved reading, writing and the rendering of knowledge, said study co-author Janna Anderson, director of the Imagining the Internet Center.”
I think studies like this have come up, determining if the internet really affects our intelligence, because the use of the internet and the power of it are indescribable. What else is there in this world that has so much inpact and access to so many people in this world? Of course there are going to be skeptics that think that it is making us “stupid”, but then again (like this study) many feel that the internet is truly something that is changing the way we think. So what do YOU think? OR don’t you?

In Wisconsin, the state Senate is being asked by the Assembly Speaker to avoid delay with moving forward with the legislation regulating payday loan companies. It has already been approved recently by the Assembly to limit the size of loans, restrict consumers from taking out more than one loan at a time, bans auto title loans completely as well as “rolling over” the balance of a previous loan.
A Senate version of this bill includes a cap on interest rates, however the Assembly rejected this bill as they believe their version does enough.
There are currently over 500 payday lenders in the state of Wisconsin.

LeadPile will continue to keep you posted on changes…

Being in the internet marketing industry, it is pretty common knowledge that there are huge benefits to utilizing the social networking site LinkedIn. However, have you ever thought of LinkedIn as a source for traffic to your site? Webpronews, referenced some good points about the business social networking site, and it’s huge advantages. “You need to take into consideration that LinkedIn has the highest average household income per user over any other social networking site (even NYTimes.com and BusinessWeek.com readers).” “That being said, these are business decision makers you are targeting with your traffic from LinkedIn. The network is for real, and it will only continue to grow in time as there are currently 60 million professionals.”

The steps you should follow in order to truly maximize the capabilities of the LinkedIn site:
1. Complete your profile.
2. Increase you connections.
3. Customize your website links.
4. Answer questions.
5. Update your status.
6. Join niche groups.
7. Post comments in groups.
8. Add RSS feeds to groups.
9. Create a group.
10. Add the blog application to your profile.
I find this information very helpful and am going to look at following these steps with my LinkedIn profile, but also with the Leadpile profile. In the age of competitive traffic, finding a “free” way to get more traffic to your site is very very important. LinkedIn seems to be able to help with that if we all use it to it’s fullest potential.

Changes to fees and terms may be positive for many consumers struggling to pay their bills! New rules obtaining to overdraft protection requires consumers to specifically request it, rather than being automatically enrolled in it. According to the Credit CARD Act, should the consumer enroll for overdraft protection, fees can only be applied once during a billing cycle and the card company must notify the consumer of the amount. These new overdraft rules only apply to debit cards, not checks or electronic transfers.
Consumers now are given 21 days to send credit card payments in, rather than only 14, and if changes are made to terms, 45 days notice must be given instead of 15. This change does not apply to reducing your credit limit, the credit card company can do this at any time without any warning!
One new change might be scary for many consumers to see, but after the initial shock sets in, the overall perspective will hopefully ultimately help consumers in the long run. Effective starting February 22, credit card bills must make it clear how long it will take the consumers to pay off the balance, and how much interest will be paid if the minimum amount is all that is paid each month.
While there is no current cap placed on increasing interest rates, credit card companies are required to give customers 45 days notice on changes and may not raise the current interest rate on customers existing debt unless payment is more than 60 days late on payment. Additional help to consumers trying to pay off debt, additional fees for paying over the phone, electronic transfer, or mail are no longer allowed and universal default for existing credit card balances may no longer be practiced. The Credit CARD Act has now made is more difficult for college students to obtain credit cards, someone under 21 may not be offered a credit card without a co-signer or proof of proper income.
LeadPile matches consumers in debt with Debt Consolidation, Debt Settlement and Bankruptcy companies daily. Debt is a huge source of stress for many people, hopefully the new Credit CARD Act will help get people back on track and become more aware of their own debt, and make plans to get things paid off!

Reuters is reporting that the FCC is trying to regulate a minimum broadband speed that American households are delivered by our nation’s broadband companies (ie-Verizon, Comcast, Time Warner and AT&T are the largest) provide all of us. “The planned initiative, which will be proposed in the National Broadband Plan report to Congress next month, comes a week after Google (NASDAQ: GOOG) said it would build a super-fast Internet network for up to half a million people, a project that could pressure telecommunications companies to loosen their control of Web access in the United States.”
So once again is Google pushing the envelope on the way things are done technologically? From everything I am reading it appears that they are in fact doing that and this is forcing broadband companies to compete technologically to stay in business. This new initiative potentially by the FCC could be a great thing for all of us and how we get out internet delivered to us. Nice job Google!

As the economy has began to rise out of it’s rut, companies have been hiring temporary workers to get them through without initially handing over the large cost of hiring full time workers. In the past, this has been a symbol that permanent hires are in the near future and that the economy is on its way back up, however this might not be the case this time.

According to msnbc.com economists and business people say that employers are lacking confidence that the economy will continue to get better. The current economy is believed to be fragile and unpredictable.
In the 90’s, temporary hiring launched the quick return of job creation and permanent hiring, as well as in 2003 this was shown once again. For people who are not employed, temporary jobs help feed families and give people pay checks who have been unfortunate and lost jobs.
In a time where to have any job is good news, hopefully the temp jobs will keep coming and eventually turn into long term permanent employment.

It is once again that time of year to start thinking about getting your taxes done. Uncle Sam is ready to collect his money, unless you are one of the lucky ones and expecting a return. Whether or not you owe or are owed money, there are both pros and cons to filing your taxes early.
The IRS officially starts accepting returns as early January and gives you the choice to file as soon as your W2 and 1099s are received.

Advantages to filling early can be:
*Receiving your refund faster
*Getting it over with
*Avoiding crowds and long lines at the post office
*Avoiding the possibility of being late, and owing more
*Giving your self time incase you realize something is more complicated that originally though

Advantages to waiting to pay your taxes until they are due:
*Maximizing your interest by keeping the money you owe in an interest-bearing account until April
*Possibly decrease your chances of being audited. Some think that it’s best to put your taxes off until the very extreme, and this will lessen your chances of being audited
*Tax forms can sometimes be updated during the tax season, the changes might not be reflected yet if you file early

If you are receiving money back it may be hard to wait, lending out your money to the government interest free is very nice, but not something that we all want to do for extended periods of time. If you are going to have to pay, it might be worth the wait!

Changes to the Wisconsin Payday lending industry could be very close. A vote by the Assembly Committee 6-5 supports the bill that would place restrictions that would cap Payday loans at $600 allowing borrowers to only take out one Payday loan at a time. Auto title loans will no longer be offered when/if this bill passes. A vote to pass this bill could happen as quickly as next Tuesday. Concerns have been raised about a $1 fee for each transaction to pay for statewide database to track the loans. According to the Associated Press, Republicans argued the bill was flawed and the public should have more time to consider the plan unveiled late last week. Leadpile will be watching….