The Main Problem Making Money With Google AdSense

Making Money Online With Google AdSense

First Published: May 22, 2011 EntrepreneurJourney.com

AdSense makes money; there is no doubt about it. However, it’s not a perfectly flawless system you should rely on to make your only source of income. Today, I am going to touch base on this a little bit based on my AdSense experience.

The main problem I am having with Adsense is the tremendous level of fluctuation. There are days when I make good money from Adsense, and there are days when I make not so good money. You may say that proper AdSense optimization should solve this problem. Yes, I thought the same way and experimented optimization only to figure out that this heavy fluctuation is out of my hand. It’s kind of like the Internet has its slow traffic days and high traffic days and we have no control over it.

If I have a situation in which I have no control, I try to resolve it working on something in which I have full control. In the above scenario, instead of wasting too much time on fixing Adsense, I worked to diversify my ad revenues. Besides Adsense, I am running Infolinks, Chitika, and some private ads (mainly on A Dawn Journal). My least expected ad system Infolinks is actually making me the most unexpected money. There are days when my Infolinks revenues beat Google Adsense. I know it is hard to believe, but it has happened a few times in the past.

Just like about anything else in life, online money making sources need to be diversified as well. The century old Adage “don’t put all your eggs in one basket” applies to Internet entrepreneurship as well and you should never bet all your sites on one income source.

BMO Air Miles MasterCard (No Annual Fee) Doubles Its Rewards

No Annual Fee Air Miles MasterCard

BMO recently increased earning on its zero annual fee BMO Air Miles MasterCard. Cardholders will get 2 Air Miles for every $20 spent at participating Air Miles partners. Earn rate will still be 1 Air Miles for every $20 spent on everything else.

Some of the participating Air Miles partners across Canada are Sobeys, IGA, Shell, Rexall, Safeway, and many more. You can also double-dip at these partners if you provide them your physical Air Miles card or Air Miles card on your smartphone app.

Let’s look at Air Miles earn rates at some other Air Miles premium cards.

BMO World Elite Air Miles MasterCard - $120 annual fee. Earn 1 Air Mile for every $10 spent across the board.

American Express AIR MILES Platinum Credit Card - $65 annual fee. Earn 1 mile for every $10 spent at Air Miles partners + eligible gas, grocery, and pharmacies. 1 mile per $15 for everything else.

American Express AIR MILES Platinum Credit Card - No annual fee. Earn 1 mile for every $15 spent at Air Miles partners and 1 mile per $20 for everything else.

As you can see, BMO’s free version of the Air Miles MasterCard provides value when you use it at participating Air Miles, especially when compared to all other cards. It has the same earn rate (at participating partners) as premium cards and a better rate than Amex’s free version of the Air Miles card.

If you are an Air Miles Collector and looking for a no annual fee Air Miles credit card, BMO’s Air Miles MasterCard is definitely worth a look.

If you would like to watch this article in a video, please visit here:

BMO No Annual Fee AIR Miles MasterCard Offers 2X Miles for Every $20

Your Responsibilities as a Mortgage Holder

Mortgage and Responsibilities

First Published: Aug 22, 2009 ADawnJournal.com
 

To buy a house in this day and age, it is – for most of us – necessary to borrow money. There is obviously a section of society who are able to afford to pay in cash and own their real estate property without ever needing to borrow to support it. However, even those who can afford to buy property without a mortgage will often get one anyway. Their positive financial situation means that they can support a higher level of borrowing than the average individual, and therefore purchase a more desirable property. Others again will decide not to get a mortgage and continue to rent for the majority of their life because of the greater relative freedom it gives them. The fact is that having a mortgage confers upon you certain responsibilities which it is essential that you meet.

It may seem, with the failsafe aspects built into a mortgage – the possibility of a payment holiday, the ability to renegotiate and remortgage, and so forth – that there is less incentive upon an individual to maintain the correct running of their account. However, it needs to be taken into account that for every concession a bank gives on the basis of a customer’s inability to make full payment, there is a price to be paid in terms of “provision”. That is to say that a bank needs to set aside a certain amount of money to cover bad debt. For every time that a person defaults on a loan of any sort, that money needs to be dipped into. Every time that money is dipped into, it affects how a bank can set its interest rates on commercial and residential credit.

There are two kinds of “bad debtors” – people who do not pay towards their debts – and these are termed “can’t pay” and “won’t pay” customers. Both types of customer affect provision in much the same way, as the money needs to be set aside to cover their debt whether or not they could actually make the payments. However, from an individual, arguably moral, point of view, the “won’t pay” customers are unnecessarily driving up the cost of banking for those who are making their payments and running their accounts successfully. It would be poor business sense on the part of a bank to allow itself to be hamstrung excessively by the bad debts of its customers – so “good debtors” bear the brunt of the costs.

It could not be said that “can’t pay” customers have the same moral obligation to make their payments as “won’t pay” customers. But the fact is that if you are in a position to meet your debt payments – especially mortgage payments which are tied to risk both for yourself and for the bank – then you must do so, as to fail in this respect does not just penalise you, but others as well. It is also true that banks have their own responsibilities to live up to, but as consumers we have little sway in making them do so – so for our purposes, only our own responsibilities are relevant.

China's Global Real Estate Appetite

Chinese Investors Step Up Global Real Estate Shopping

First Published: Sep 6, 2014 RealEstateExpedition.com

Chinese appetite for global real estate property is on an upward bound. In the first half of 2104, global property investment reached $5.4 billion or 17 percent, according to real estate firm Jones Lang LaSalle (JLL).

As real estate outlook in China loses optimism due to tight financing and oversupply, investors in China are exploring real estate beyond their borders.

Although commercial real estate grabbed the greater chunk ($4 billion) of the $5.4 billion spent in the first half 2014, the growth has skyrocketed in residential real estate from 2013 - 84 percent higher at $1.5 billion.

London ranked number one for Chinese investors with a $2.3 billion spending, according to JLL. Other popular cities are San Francisco, Chicago, Sydney, and Madrid.

On retail investments, Chinese home buyers are grabbing homes in these hot real estate market countries: USA, Australia, Canada, and UK., according to real estate portal Juwai.com.

Also, as some southern European countries such as Spain, Portugal, Cyprus have introduced the Golden Visa program where home buyers are qualified for residency with a minimum qualified amount spent on a home purchase.

Spain is one of the most popular destinations for Chinese retirees, with its pleasant climate and attractive healthcare system.

Some other hot favourite countries for Chinese investors are Thailand, Singapore, and Malaysia. Although Thailand has been a Chinese investors' hot favourite for long time, Malaysia is the new kid on the block and moving up on the list.

Top 12 Global Real Estate Cities

Global Real Estate Rising Star Cities

 

First Published: Jun 21, 2014 RealEstateExpedition.com

A recent report, jointly published by the leading interior design house Candy & Candy, the Savills, and Deutsche Asset & Wealth Management, identified 12 cities across the globe that can have residential real estate value skyrocket in the next few years. Here are the top 12 cities according to the Candy GPS Report. The $ value shows the cost of a two-bedroom apartment in not-so-expensive areas in those cities.

Tel Aviv - $500,000

Melbourne - $320,000

Miami - $275,000

Chicago - $250,000

Dublin - $210,000

Panama City - $200,000

Beirut - $180,000

Istanbul - $125,000

Cape Town - $110,000

Jakarta - $90,000

Lagos - $70,000

Chennai - $40,000

Some highlights from the report -

- Cities like Chennai, Panama, and Tel Aviv can have strong growth potential cities like New York, London, Hong Kong, etc.

- Poor fixed-income markets and equity performance are driving the growth towards real estate markets across the globe.

- Residential real estate properties continue to be the investment of choice for the ultra rich.

- Characteristics that make cities hot spots for real estate investors include presence of new tech industries, English language spoken, proximity to green spaces or water, and so on.

- African cities like Cape Town and Logos are among those rising global real estate cities to show strong growth potential as alternate locations.

- Chennai in India is the cheapest city among these 12 rising star cities.

To view the report, visit the Candy & Candy website.