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Monday, February 28, 2011

Don't Get Caught With Google Adsense Click Fraud

Many web site owners are getting their Google Adsense account terminated when they have done nothing wrong to deserve the punishment. Considering the money that they are getting from Adsense, they would certainly want to get back into it.
Considering the money to be made with Adsense, it is no wonder that they would want to get back into it.
It is that same consideration why the Google Adsense click fraud is thought of and why many people are getting into it.
Click fraud is the act of clicking on ads for the purpose of costing the advertiser money. It is simply the same as paying out cash for false leads. Many people website owners are aware of this fraud and are sharing the same sentiment that this is the one big problem that Adsense is facing.
How do you prevent being involved in this fraud?
Majority of web hosts are offering access logs. Once this is offered to you, it is necessary that you hand it over to Google as well. This allows them to look for any suspicious activity on your site. Problems like this are very serious and giving it to them is saying that you would want to help them in any way you can in solving the problem.
It can also help if you have a click monitoring software. If you do not have one yet, you should try and get one. There is absolutely no major factor preventing you from having one because most of this software is free.
As usual, all the information you have received should be turned over to Google. This is showing Google that you too are fighting against click frauds and is in no way a part of it.
Study your server logs and watch for any activity that seems suspicious. Report anything that you may find odd, may it big or small thing.
You may want to consider disabling ads for your own IP address and local geographic area. This will certainly prevent accidents and will not make Google mistake another user as you. You can do through a htaccess file. This will avoid Google mistaking as clicking on your own ads and be kicked out because of it.
Keep your Adsense off on pop ups and pop unders. Your ads should not be displayed on content sites that promote illegal activity or tampering of the legal rights of other people or business. Included in this are the content that is considered adult and gambling ones. If you think that you may be breaking this rule, immediately remove your content or Adsense from the web page.
Be truthful and confess up to Google about times when you might have clicked on your own as, whether accidentally or intentionally. Or the times when you have done something that is against the Terms of Service that they are implementing. Be honest about anything that you may have done that is wrong. Confessing is way better than Google learning about it eventually. It would mean eventual termination and no getting back what you have worked so hard for.
Do not tell your family or friends about Adsense on your website. Chances are they may start clicking on them to help you make money without you knowing it. They may be doing more harm to you than help by trying it in the first place.
If ever someone you know chanced upon your Adsense, make sure they understand that they cannot click on your ads under any circumstances. It would be wise to brief them on important things about Adsense and what not to do with them.
Most pay per click networks have different measures in hand to protect website owners against click frauds. Other search engines can track more than 50 data points, IP address, browser’s information, user’s session info and pattern recognition. They also have “systems” available that detects fraud. Not to mention the specialized teams monitoring how things are going and helping advertisers stop click frauds.
Google offers suggestion on how to avoid click fraud. Using “negative keywords” can be used to keep your Adsense showing on products and services that are in no way related to yours. Adding tracking URLs to your links so you can track the traffic coming from Google.
Do not be caught in the Google click fraud. Be aware and be wary.

Saturday, February 26, 2011

THE TEN WEALTH SECRETS


1. Find a Need in the Market and Provide Products and/or Services to Fill that Need
There are very few people who feel completely satisfied - experiencing that they have everything they need and want. Twenty to twenty-five years ago, the average American family was much more prosperous than today. Most husbands could easily bring in enough money to maintain the whole family in relative affluence. Today, in most families, both husband and wife have to work - and they often struggle to pay the bills. Furthermore, about 90% of Americans over 65 are technically bankrupt - their debts exceed their assets.

2. Increase Your Ability to Earn - LEARN!
To earn more money, you may need to acquire additional knowledge and skills. You may need to improve your ability to recognize opportunities and take advantage of them. You may need to overcome your negativity and increase your personal power. You may need to increase your personal freedom and power. Every hour invested in this respect can make you many more dollars in the future.


3. Leverage Your Efforts - Earn More for the Work You Do
If you work for hourly pay or on a salaried job, your earnings are severely limited. (Except if you're a top executive of a large company.) By accident or design, our economic system in America today is such that most people simply seem unable to get ahead. After all, if you're just getting by today on your income, even a generous raise of 20% won't get you much further along.
The way to get ahead is to leverage your efforts. In other words, find ways to get more money for less work. With Investor's International, not only do you do things that bring in more money, you also do things that help others to bring in more money - for which they pay you. This is win-win cooperation.

4. Gain Wealth through Multiple Income Streams
Terra Libra's main earnings come from selling helpful information: books, reports, manuals, tapes, and seminars. The companies which we promote provide us with additional income streams.

Eventually we want a dozen or more such income streams. Each income stream is a "money machine." By participating in these programs, you can create similar multiple income streams for yourself.

5. Pay Yourself First
One of the most important principles of wealth is to take at least 10% of your earnings and set it aside as your payment to yourself. This is not spending money. It's money you set aside to work for you. One way to let it work for you is to put some of it into the Investor's International program.
You may want to put some of this money in precious metals. Consider the possibility that paper currencies -even the US$ - will eventually get wiped out and lose all their value. Historically, this has happened to every unbacked government paper currency. This wealth secret of paying yourself first represents one side of the Most Basic Wealth Principle: Produce more than you consume.

6. Control Your Expenditures
If you're like most of us, you spend all the money you earn "hand-to-mouth." It's an operating basis that keeps you stuck and prevents you from accumulating wealth - a formula for poverty! You can break out of this trap by using the strongest criteria for spending are: "Do I really need this?" and "What's the minimum I can pay to get it?"

This wealth secret of cutting your expenses to the bone represents the other side of the Most Basic Wealth Principle: Produce more than you consume.

7. Make Your Assets Multiply
One way to make your assets multiply has already been mentioned: Put some into the Investor's International programs - see
#TL13B: The Millionaire's Secret (II) - which also contains more information in answer to the question: What do you do with your surplus (excess of production over consumption) to maximize the growth of your wealth?

8. Guard Your Assets against Loss
Assets can be wiped out in several ways: (1) The institution in which they are invested could go bankrupt; (2) The currency in which they are denominated could collapse - for example, if the US$ collapses, pensions, insurance policies, retirement funds, bonds, etc. could all become worthless; (3) The government can seize your assets with or without cause; (4) Someone can sue you and take all your assets.

A secret of the superrich is to not own anything, but to control assets held in trusts. For more information regarding trusts and asset protection, see The Pure Contract Trust Package.
For many people, taxes constitute the single biggest drain on their assets. Consider the possibility that most of the money you pay to government is either wasted or actually used for harmful purposes. Consider the second possibility that you can lawfully reduce your taxes to way below what your accountant says.

9. Make Your Home a Profitable Investment
Most people, when buying a house, first look for one that they like. Then they find out the price. Then they find out how big a mortgage they can get and how much the down payment has to be.

The more wealth-conscious do it differently. They look for a house that is appraised at, say, $200,000 that they can buy for $150,000. They get a mortgage for $190,000 and invest the $40,000 difference for a higher return than the mortgage interest rate.

10. Discover Your Deep-Seated Attitudes and Beliefs about Money and Correct Them if Necessary
Many of us have limiting - even debilitating! - attitudes and beliefs about money. Some of these are culturally widespread - for example: "filthy lucre" = "money is dirty"; "money doesn't grow on trees" = "money is scarce and difficult to get"; and some people believe that "money is the root of all evil" and "you must have money to make money." Correcting your attitudes and beliefs about money is one of the most important wealth secrets and is covered extensively in the 'Millionaire' report series.
The process of strengthening your attitudes toward money, and correcting any limiting beliefs you might hold, may take a giant leap forward as you study Special Report #TL13B: The Millionaire's Secret (II).


Being Comfortable With Negative Feelings

As human beings, we all move towards that which is familiar. It’s a natural instinct to seek out familiar things because we are comfortable with them. The same is true of feelings. Being comfortable with negative feelings.

Feelings that are familiar give us a sense of security. Our brain tells us; I know this feeling! This is familiar. This is safe. The feelings we are familiar with were shaped by our families when we were growing up.

If you lived in a family where the motto was Stand up for yourself, or when someone insulted you, chances are you learned to fight back, and you are familiar and comfortable doing so.
However, if your family upbringing was don’t make trouble, then it’s more comfortable for you to not say anything and accept the insult. If you want to change the way you feel, you must first understand why you feel the way you do.

Feelings can lead you to act in self-defeating ways. If you fill your head with depressing and negative thoughts, and you allow yourself to feel shameful and angry feelings, you will never be able to act confidently.

Many of us have picked up negative feelings growing up that become the normal way for us to feel. If we learned to feel ashamed to express interest in girls when we were young, it wont get any better as we get older. So whatever negative feelings you experienced growing up are considered normal by you, so that when good feelings come along, we may feel insecure and scared. When this happens, we actively seek out those negative feelings we’ve become accustomed to, even if they are painful.

Each of us naturally assumes the emotional traits of his own family. Your family is the one that sets the starting point of your development. Whenever you feel good or bad, you are basing that on the standard your family set for you.

When things go bad, we work to try and raise our feelings back to that set point. When things go good, we also work to lower those feelings back to the same point. There’s an internal barometer we all have that lets us know what we’re feeling, and we’re always working to return to what feels normal to us. Its the times where we feel too good that can be the most uncomfortable.

When this happens, we will actually WORK to spoil a good time for us. For instance, lets say you meet a really beautiful woman that you really like, and its a great opportunity for you to hook up with her! But based on your comfort zone, you might think:

Wait, this girl is too wonderful, she’d never go for a guy like me. This type of reaction reduces the good feelings you were having and brings you back down to what you’re familiar with; a feeling of unreservedness that you probably grew up feeling accustomed to.

Remember: familiar feelings = a sense of security. This is why so many people are more comfortable feeling bad about themselves than good! They have actually trained themselves to feel comfortable feeling bad! They would rather not seek pleasure than avoid feeling pain.
When your familiar feelings are negative, they will damage your confidence.

The interesting thing about this is that we *logically* know that what we’re feeling isn’t right, or healthy, or even true! But for some reason, our logical brain is out of sync with our emotions, and we accept what we feel over what we think.

For many people, their feelings of shame are a form of logic. Our feelings literally shame our brain into accepting those negative and untrue thoughts, even when it knows better!

But remember that shame comes from self-criticism. Those who are self-critical imagine that everyone else is just as critical of them as they are of themselves! When you think like this, any type of confidence is almost impossible to achieve.

So what are the origins of your negative habits? What are the root causes of the feelings you experience? Chances are it can be traced back to your parents, but be careful not to blame them! Its more important to understand your parents’ influence on your feelings so that you can stop blaming yourself for your current situation, rather than trying to figure out who to pass judgment on.

HOMEWORK:
Sit down and think of how your parents would describe themselves. Are they using any of the five myths? Write down how your parents would describe themselves in those terms.

Would your mother consider herself Old and Ugly?
Would your father consider himself Stupid or a Loser?

Now look at how they describe you. Do any of these statements sound familiar?

Your brother is the smart one.
Don’t be so stupid!
You’re too fat! You need to lose weight.
Don’t miss out on life like I did.
You’re too old to start over.
You’re short, like my side of the family.
Enjoy your hair while it lasts, because you’ll be bald like me some day.
You will never amount to anything.
Prepare for the worst.
Some families only predict dark times in the future and discourage their children from all types of positive habits, such as ambition and success. This is especially true when it comes to your sexual development. Do these sound familiar?

You better not have sex before you’re married.
Just settle for what you can get.
Don’t date out of your league.
You better not let me catch you with a girl in your room.
You’ll never get a good woman looking like that.
If you don’t have a good job, you’ll never be able to get married.

The list could go on. But you get the idea. Your parents, when they said those things, were instilling negative feelings about yourself and women in your head. They made your starting point one where you were never good enough, or attractive enough, or you had to feel guilty
about your desires.

Friday, February 25, 2011

Having Trouble Saving Money? (This System Works for Any Income Level!) By: Paul Barton & Barry Spilchuk


Thinking of her youth, Donna can recall many fond memories of time spent at her Grandparents farm. Donna would help her Grandmother with the annual fall ritual of making things like relishes and jams, and preserving them in jars for the winter months.

It took a lot of time and effort to preserve the various fruit, vegetables, relish, jams, and pickles. Many jars were needed to preserve the harvest from the growing season. Each jar was carefully labeled with the contents inside, and of course, the secret recipe for each preserve was kept safely hidden!

In a way, saving, managing, and preserving money is somewhat similar to how Grandma would preserve the many items from her garden. Putting money aside in various jars, or cans, or envelopes, or whatever is available to hold money, is a great way for anyone, at any income level, to establish saving habits.

Using visual aids, such as a money jar, may be especially helpful for parents looking for an effective way to demonstrate to their children how to set aside money for various goals. In one case, David was planning a trip to Boston with his family. The kids were involved with the planning of the trip and a “Boston Jar” was placed in plain view for the family to see. Each day, mom or dad, and sometimes even the kids, would place spare change into the jar. Within a few months, enough money was saved to pay for return airfare tickets for the whole family.

To some, the use of money jars may seem unnecessary; after all, with automation today, wouldn't it be easier to simply establish monthly transfers to various accounts using an automated pre-authorized method of saving? The short answer to this question is yes! Those that already use an automated method of saving often don't miss the money coming directly out of their bank account. However, for those that don't use preauthorized savings, then a money jar system may be the answer to help develop effective saving habits.

Part of establishing new habits is through repetition. If saving money has been a struggle for you, seeing your goals labeled on several jars sitting where you can see them daily is a great way to be reminded to set money aside in each jar. Even a few cents a day can add up over time.
T. Harv Eker, founder and master trainer of Peak Potentials based in Vancouver, teaches a form of money management using a simple jar system. Mr. Eker's explanation of his jar system is highly entertaining, and most memorable. Many people have written to Mr. Eker with testimonials describing how easy saving and managing money became once adopting his money jar system.

Even though you can probably imagine what we mean by using a money jar system, we have outlined below how you could label several jars for specific purposes. The labels shown are for illustration only. Label your money jars with whatever is appropriate for your situation.

Jar #1 Long-Term Goals Money in this jar could be for any number of reasons, such as; travel, saving towards a new vehicle, or accumulating money to pay down debt.

Jar #2 Education This could be for your children preparing for post secondary education, or it could be for you upgrading your skills. Some people dread going to work at a job they don't enjoy. Perhaps they have limited skills to work in a job they would truly love. Setting aside money to upgrade skills may help land that desired job!

Jar #3 Personal Use When was the last time you treated or pampered yourself…without feeling guilty? Setting funds aside for you to use any way you choose is a very good way to achieve balance in your life. Saving without ever spending is no recipe for happiness; however, spending without ever saving is a recipe for disaster.

Jar #4 Giving/Donating Some people donate anywhere from five to 10 percent of their monthly income to a worthy cause, and/or to their place of worship. How much should be placed in these jars each month? Many thoughts exist on how much money should be allocated. Some will be able to put larger sums into each jar, and others may only be able to put a few cents in each jar.

Every person's financial situation is unique, therefore, it may be hard to place set rules on how much money should go to various spots. If in doubt, remember to seek the guidance of a licensed financial advisor to help get you on track. Anyone could easily adopt a money jar system of saving…all it takes is action!

“Action may not always bring happiness; but there is no happiness without action!”- Benjamin Disraeli

Living on a fixed income


Living on a fixed income can be a challenge. Each person’s financial situation is different. Spending without a financial plan can lead to financial ruin. Financial plans work best when individuals make choices they are willing to put into action. By making informed choices you can create a financial plan that works for you.

Wants, Wishes, and Needs
Knowing what we want is not always easy. It may be helpful to know that others have found it takes some thought to answer this question in a meaningful way. A major factor in getting what you want is knowing the difference between needs and wants.

Have you ever thought, “If I just had more money …”? More money is not an instant cure. Wishing for money does not make it exist. When we allow money to control us, conflict and uncertainty increase. We need to be realistic in our expectations.

It is very important to learn to recognize the difference between needs and wants. A need is something you cannot live without, such as food, clothing, and shelter. A want is something you would really like to have, but you could substitute something else for it.

Thoughtful planning is the key. Planning what you want and how to get there helps you to be in charge of your own financial situation. Knowing what you want can reduce some of life’s stress and provide you with a sense of security.

Know What You Have
Be aware of what you have. Having more things is not necessarily better. Do you need the things you have? Does having these things cause you to spend more money for upkeep? Take an honest look at current income/ pensions, investments, and savings. Do you have an emergency fund? Know how much money you have and where your money goes.

Know Where Your Money Goes
Write down every item purchased and the amount spent. Keeping a record of exactly what is spent can help you to know exactly where your money goes. Then you can consider possible options. Be sure to track your spending for a few weeks before creating a plan. Be sure to track fixed, flexible, and occasional expenses. Fixed expenses are costs that are the same each month. Flexible expenses are costs that vary. Occasional expenses are quarterly, yearly, seasonal, planned, and unplanned costs.

Remember to include charge accounts and loans as expenses, too. In 1996, 1.1 million Americans filed bankruptcy. Many of these cases of bankruptcy were due to personal overspending. Credit can be easy to get. Credit overuse may make it harder to carry out your plan. Having credit does not mean you have to use it.

Choose Your Action Plan
Compare dollars available and dollars spent. Set priorities for spending. Know your limits and adjust your spending. Seek creative solutions. Then put your plan in writing. Setting short-term and long-term goals gives your plan purpose. Rethink your current buying habits. Do you buy because you have a need? Do you shop because you might find something to buy?
Remember it is okay to say no. If you are barely able to pay for minimum necessities, saying no to things you would like, but do not need, can be helpful. You may be able to think of other choices. Having a financial plan may help you say no when it is necessary.

Each person’s financial situation is unique. Do what works for you. Think positively. Avoid comparing yourself to what others are doing. Be realistic in your choices. Plan ahead. Consider substitute activities—things that you could do for little or no cost. Perhaps a part-time job or a hobby could bring in some extra income.

Once you choose your action plan, try it for a month or two. Rethink and adjust your financial plan to make it work for YOU. Keep the part that is working. Decide what needs to be adjusted to make your plan work. Your action plan will need to be fine-tuned periodically as changes occur in your life.

A major factor in getting what you want is knowing the difference between needs and wants.

Summary
Financial planning should begin 10 to 15 years before retirement or earlier. The earlier financial plans are made the better. Financial planning will not always prevent all problems, but it can prevent some and make others easier to deal with.

Ask Yourself These Questions
Can I find a way to spend less than my income?
What do I need to change?
What am I willing to change?
Did I plan to save for emergencies?
Are my wants and wishes realistic?
 
By making informed choices, you can create a financial plan that works for you.