We all know how successful Wal-Mart has been in retailing. No matter what is going on with the economy, Wal-Mart has found a way to be successful. Well, it now appears they are getting aggressive on the internet as well.

In the past, Wal-Mart has had many of their products for sale via their Web site. Today, they announced they have added almost one million new items from outside sellers to their Web site.

The Walmart Marketplace has many product categories, and the retailer chose companies based on their product assortment and customer service. Orders will be placed on walmart.com, and will be managed and supported by the chosen retailer. Wal-Mart will take care of the shipping, handling, and customer service.

Needless to say, Wal-Mart has had great success, and it is safe to say that companies like Amazon and eBay will pay close attention to Wal-Mart’s activities. Can Wal-Mart have the same impact on the internet as they have had on smaller retail stores? Stay tuned.

In the last few years many new ad networks or lead exchanges have surfaced. Many have survived and many have not. The need for networks and exchanges like Leadpile Lead Exchange came about because of the desire to connect multiple publishers with multiple advertisers to create simplicity for both parties. In addition to simplicity, is there any other reason that a publisher or advertiser should look at using a network versus one on on relationships?
1. As consumers get online more and more, publishers and advertisers need to figure out the best way to get the largest captive audience in once place. This is very difficult if you are trying to set up one on one relationships. Networks and exchanges allow this to be done without the hassle of developing one on one relationships.
2. There are cost benefits to the advertisers with working with network versus working directly with a publisher who usually has higher margins than the networks. This increase cost if passed on to the advertiser, whereas networks have higher volumes which allows there to be more of an ability to have lower margins.
3. The advertisers can capture all types of traffic sources in just a few networks versus trying to get a different publisher for each traffic source they are interested. For instance, to really diversify you want to utilize social networking, PPC and SEO, and SMS marketing.
4. Networks allow publishers an opportunity to sell their traffic/leads to various types of buyers/advertisers which allows them to diversify their ads to have everything funnel through one place, versus setting up one on one relationships with each advertiser.
5. Sophisticated networks/exchanges like Leadpile offer the technical capabilities for advertisers and publishers detailed reporting of the their campaigns. This creates simplicity for the publishers or advertiser with being able to have one place to track all their campaigns. This could be very large headache for someone to track each campaign they have one on one with.
Everyone in this industry has their own opinion on what is more effective: networks or one on relationships, however there just seems to be more benefits with working with an exchange or network versus trying to set up one on one relationships.

Google announced today that they have been working on a faster search engine.  Never a company to stand pat, this latest effort is hoping to improve results for developers and power searchers.  You can try the new search engine here. The project is called “Caffeine” and is hoping to improve speed, accuracy, and comprehensiveness.  It may also be an effort to search parts of the Web that have not normally been accessed.  As with many things Google, stay tuned…

Ladies and gentlemen, your current laptop computers will become worthless in 12 months. Say hello to the era of “Ultra small laptop computers”. And I mean Small! Did I also say cheap? Oh yes, that too. They will be dirt-cheap. Can you say Small and Cheap 200 times? So how small and how cheap you ask?

Help with repairing your credit is something pretty much everyone could use a little assistance on. With a tough economy, Americans are needing to worry about more important things like paying their next electric bill. However, when that time comes where they have the ability to get help, credit repair is a great option to look at. Credit repair assistance can be a very informative service, that once you learn what makes up your credit report, you will be able to use the valuable information in the future.
Leadpile Lead Exchange is currently generating a large volume of credit repair leads. These consumers need the help now and are looking for someone to provide that service. Knowledge is power when it comes to your credit report, unfortunately not everyone is in a position to have great credit. Knowing we have a large demand for this lead type, and the large amount of consumers wanting assistance, Leadpile has rolled out some text links/landing sites for lead sellers to use.

www.countrywidecreditfix.com
www.creditfixnationwide.com
www.mycreditjump.com
www.personalcreditassist.com
www.uscreditfix123.com

If you are currently not working with Leadpile to purchase or sell credit repair leads, I recommend it!

Remember those days when you could pick out all the items you want, and then pay for them each week at your local store?  Okay, maybe not everyone did that, but I remember doing this sort of thing when wanting to buy some “big” ticket items.  Those days seem to be back.  Sears announced it is rolling out layaway!  You shop for what you want and then make a small down payment, then you are done.  Layaway is not a common thing these days, however with the economy retailers are doing whatever it is they can do to get consumers in their stores for the holidays

What happened to layaway and why did it pretty much disappear?  According to creditcards.com, the rise in credit cards being issued erased the high demand for layaway.  Now with consumers having maxed out credit cards, delinquent mortgages, and jobs disappearing, retailers are trying to come up with ideas on how to get that limited amount of consumers in THEIR stores.  Other stores that I found offer layaway are:  Burlington Coat Factory, TJ Maxx, and also take a look at elayaway.com, because this website offers a layaway service.
So, why would Leadpile Lead Exchange be writing about “layaway”? As I have stated in previous posts, we see consumers that are in all sorts of financial situations. Seeing stories such as retailers rolling out an old idea in this tough economy, gives me optimism that there is possibly some light at the end of the tunnel. Every little piece will help those consumers and the economy get headed in the right direction!

It is official…

Leadpile Lead Exchange is officially generating the lead type of Loan Modification.  There are so many consumers out there wanting help with the mortgages they are in, and we are now connecting those consumers with companies providing the service.

The sad part about this lead type is that the some lenders that actually issued the loans are the ones now trying to offer loan modification options.  I know this is happening because I received a letter from my original lender, however I am not delinquent on my mortgage or not about to experience any “life changing” experience to cause me to need a loan modification.  My guess is they are just sending out notifications to everyone, in hopes that there are some that took out a loan with them that are falling behind at this point. Why were things like this not offered to the consumers at the time they got the original mortgage?  We all know there are some consumers who just could not wait to get that cash out on their refinance, however there are a lot of consumers that were maybe put in loans they had no business being put in.  Our lead marketplace is here to try and match up consumers with service providers, no matter what the circumstances were.

The information we are capturing for the loan modification lead type:

1.  Full contact information

2.  Monthly Income

3.  Credit rating

4.  Home value

5.  Mortgage balance, interest rate, and adjustable, fixed, or interest only interest rate

6.  Consumers monthly obligations

7.  Have bankruptcy filings been started already

Sad days for those in AZ and OH with regards to payday loans.  Many are not sure how these initiatives lost in the voting, however they did.  This is going to affect a lot of brick and mortar stores located in these states.  This is a very large deal, because there are quit a few stores located in these states. Where do we go form here?

According to PDL blog, image might have had something to do with being able to get legislation passed on the payday loan industry. Did the misconception of a payday loan really have that much affect on those that were voting on these propositions, or did voting consumers really not want to have payday loans around any longer?  Now some lenders in these states and going to be closing down some of their stores. So how will this affect the internet payday loan industry? Will it be affected?
The good news is that some of these lenders that will be closing down locations, will now be looking at alternative options to offer the consumers. One of the alternatives is a short term unsecured loan.  This type of alternative will then be able to still provide some assistance to those that are in a temporary situation, but do not have the ability to get a payday loan or any other “bank” loan.

Time will tell.  I am sure all eyes will be on this industry to see if this recent legislation will affect what direction other states pursue……. or if there is a way to “try again” to get this legistration overturned.  Leadpile Lead Exchange realizes that there are consumers that really need assistance with their unforseen debt/bills.  We will continue to try and match up those consumers with the lender that can help them take care of this issue.  Loan modification, tax debt relief, debt consolidation, debt settlement, credit repair and others are lead types where we are trying to get the necessary help to the consumers.

First, I would like to say congratulations to our next president of the United States. No matter who everyone voted for, we are all keeping an eye on how the future of our struggling America pans out.  Secondly, there was something that America should really pay attention to, and that is an amazing effect the internet had on the election of our 44th president.
The internet AND social networking tools contributed to the Barack Obama being elected. According to businessstandard.com,“Obama, on his part, has refined the digital act further — a fact revealed during his presidential announcement speech in Springfield last October when he said: “Let us be the generation that reshapes our economy to compete in the digital age…” A few examples of this being implemented, was in the case where almost 300,000 people created accounts on the barackobama.com website, he became the first YouTube politician, got involved on Facebook, MySpace, text messaging and all other avenues of the internet for fund raising and party awareness.
Another interesting aspect in this presidential campaign was, “Obama has proposed the creation of the nation’s first Chief Technology Officer (CTO) to ensure that the American government and all its agencies have the right infrastructure, policies and services for the 21st century. The CTO will have a specific focus on transparency, by ensuring that each arm of the federal government makes its records open and accessible as the e-government Act requires. The CTO will also ensure technological interoperability of key government functions”, according to Business Standard.
No matter who was elected, the excitement of the internet and the power it can have also excited Leadpile Lead Exchange. We are in it for the long hall on wherever this great internet craze LEADS us!

LeadPile is excited to announce that we have partnered with RevUpCard for Easy, Instant Commission Payments anywhere in the world!

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Partnering up with Revupcard is going to make getting paid commissions that much easier for our Leadpile sellers!

Time is running out for consumers to read up on all the popositions being presented to them on the November 4th ballet. One thing that is being voted on in the states of Ohio and Arizona, is in regards to payday loans.  How much does everyone really understand about payday loans?  One myth I thought very important to point out:

Myth:  Payday lenders hide fees and mislead consumers.

Fact:  Just like any other service or loan you obtain, there is a cost to do get that loan or service.  In addition, any payday loan you take out there will be a cost to taking out the loan.  According to the CFSA website, “The cost of a payday advance is fully disclosed to customers on signs in the stores and in disclosure agreements. Moreover, in accordance with the Truth in Lending Act (TILA), the terms of the loan are clearly outlined in the lending agreement. Payday advances involve single, flat fees and there are no hidden charges, balloon payments or accruing interest. CFSA members also provide an educational brochure emphasizing responsible use of the product and offer a free right of rescission should the customer change their mind.”

CFSA also went on to say that in a recent survey 96% of the people were aware of the fees associated with taking out the payday loan.  Just like with any other loan, there are documents presented to the consumer with all the fees of doing the loan in black and white.  Are people sometimes just so anxious to get a loan, that they do not take the time to read the documents they are signing?

Leadpile Lead Exchange wants consumers to read everything before agreeing to take out a payday loan, or any other loan.  Knowledge is power!

   Well it is that time again, Ad-tech New York is happening in a little over a week, and it will be represented by all the top advertisers in the country. This conference has been around for more than 10 years bringing together media, marketing and technical professions. According to ad-tech.com, “As the digitization of media continually redefines the business of marketing, it is ad:tech’s mission to provide brand advertisers, agencies, portals, online publishers and technology providers an unparalleled forum – one that supports the exchange of ideas, experiences, new practices, emerging models and expert opinion.”

Leadpile Lead Exchange will be attending the conference. This conference allows businesses to meet current partners and also look at setting up new partnerships. We look forward to seeing old faces and new faces. If you are planning on being there, we would love to see you! Let us know!
Leadpile would also like to say thanks to all the affiliates we are currently working with, and those that come on board with this Brilliant Lead Exchange!