If you’re a Internet affiliate that promoting Clickbank products, you will probably notice that there is a 90-day refund policy for each product.

Refunds can kill your Clickbank sales efforts! Lots of sales means nothing if your referred customers request their money back.

Refunds can not totally be avoided. What you need is to choose the best products when you start promoting. Calculating the refund rate of the Clickbank product that you want to promote is a good way to decide if it is worth your time and efforts.

Take a look at the Clickbank Market Place, and you will be provided with some important payout stats for each product. Every product at Clickbank has some information attached to it, which can help you determine whether it is a quality product for affiliates to sell or not.

%/sale: How much you earn as a percentage of the total price of the product, the commission rate.

$/sale ($Earned/Sale): The average net amount earned per affiliate per referred sale in the past considering refunds and the Clickbank fees. With this number, you can have an inner look at the real performance of the products you want to promote.

The average refund rate of a Clickbank product is: (Affiliate Commission – $/sale)/ Affiliate Commission = Average Refund Rate

Affiliate Commission= (Product Price – Product Price * 7.5% -$1) * %/sale

For example, you check the Clickbank marketplace and see the price of Confessions of a Lazy Super-Affiliate report is $29.95, $Earned/Sale is 19.97, and the commission rate is 75%. So the affiliate commission of this report is 75% * (29.95-29.95 * 7.5%-1) =$20.03 and the refund rate is (20.03-19.97) / 20.03 =0.29%. Yeah, it’s one of the lowest refund products I have ever seen.

The average refund rate of Clickbank products is around 10%. With a 5% or less refund rate congratulations you find an excellent product. With an 20-25% (or higher) refund rate you should consider promoting other ones.

And you should notice that you can’t calculate the refund rate with any accuracy if a Clickbank vendor is selling different products with different prices. I will tell you how to check if this vendor has multiple products. Type payment URLs like this in your browser: http://1.vendor.pay.clickbank.net/, http://2.vendor.pay.clickbank.net/… If you get a 404 error on http://2.vendor.pay.clickbank.net then this merchant has only one product in the Clickbank marketplace.

Another factor is when vendors change their product price. Realize that if a merchant offers different products/price this isn’t going to work.

While we don’t often think about – or even care – how the Google search engine works, it is very important for web publisher who is using SEO, or natural search marketing for their online business to understand the basic principles that drive the Big G.

In simple terms, there are three main parts to Google: Googlebot, The Indexer, and the Query Processor. Understanding how each of these three parts works is very important to online businesses, believe it or not. Let’s take a look at each of the Google elements to see how they work.

Googlebot is the search engine robot that comes to your website and spiders your pages.

It actually works more like a web browser by calling a server, requesting pages, and downloading them – just as you do when you open your web browser, type in an web address, and the page loads.

Googlebot, however, is run by numerous computers and performs this task much faster than one user could on their home or work computer. Googlebot also doesn’t know that a website exists until a URL is put into their Add URL form, or until they find a link to that website on another web page.

When Googlebot visits a page, they take all the links from that page, and put them in a queue for crawling, and just repeat this process over and over again. Once Googlebot has found a link, and downloaded the page, it hands that page off to the Indexer.

The Indexer stores the pages in Google’s Index Database. The Index then sorts all of the pages in its data base, alphabetically, by looking at all of the keywords on the pages. The Indexer does not pay any attention to what Google calls stop words, such as is, on, or, why, how, etc. It just pays attention to more important keyword type words.

The Indexer, after Indexing pages, waits for the Google Query Processor to ask it for a list of documents. A keyword is given to the Query Processor, which in turn asks the Indexer for a list of stored websites contain that keyphrase.

The Indexer then supplies the Query processor with a list of the documents, and the Query processor presents the results to the user who requested the keyphrase.

As you see, each element is important to the others. It all starts with the Googlebot finding your webpage link on another page, or by you going to Google and using the Add form to list your website.

As you may already have heard that, submitting articles to article websites is a „fool proof“ way to get targeted free traffic & passive money. So here I list 4 reasons why article marketing can be a surefire way to get free passive streams of targeted traffic.

1. You get a lot of high quality backlinks from article sites. As you get a lot of one-way links pointed at your site containing your keywords, you will probably rank well for most search engines if you done well.

2.Your author resource box at the end of the body of each of your articles works as an advertisement when 1000s of people who are reading your articles.

People who actually read your articles and click on your link(s) found in your resource box at the end of each of your articles are highly-qualified prospects that interested in your articles so that they will be also interested in your products.

3.Most article websites allow publishers reprint articles on their own newsletters or websites.

So you can expect to receive free exposures in targeted traffic when publishers pick up your articles and put them on ezines or blogs.

4.You boosts your personal and business credibility when your articles published.

You become known as the expert by your article and this endears potential customers to you before they even visit your sites. There is no better way to „pre-sell“ your prospects than article marketing.

Summary

You can see that you don’t need any capital to set your article system up – unlike some of other paid ways.

But remind yourself to be consistent. Most people try something for a brief period of time, and when they don’t see results immediately, they give up. You may be the exception. If you are, you will see dramatic results.

Article marketing IS a time-consuming tactic, you won’t see results overnight. But it provides results for long term – you will be rewarded with free, targeted traffic for years.