Debt Free or Bust

Banned from Google Adsense

I received an email from Google awhile back that my Adsense account is now disabled. Translation: banned. I’m just now getting around to writing about it because I couldn’t find sufficient alternatives until recently.

Here’s what they said:

While going through our records recently, we found that your Adsense account has posed a significant risk to our AdWords advertisers. Since keeping your account in our publisher network may financially damage our advertisers in the future, we’ve decided to disable your account.

Please understand that we consider this a necessary step to protect the interests of both our advertisers and our other Adsense publishers. We realize the inconvenience this may cause you, and we thank you in advance for your understanding and cooperation.

The email has a link in it so you can contact Google and appeal their decision. On that link page they also tell you that they won’t tell you why your account is disabled. All they say is you have invalid click activity. More on that shortly. First,

What is Adsense?

Adsense is Google’s publisher income program. Publishers, like me, host ads for Google on our websites and blogs, and we get paid a small amount (think in terms of pennies) every time someone clicks on an ad on one of our pages.

Google gets the money to pay publishers from its AdWords program. Advertisers buy ads from Google AdWords and Google distributes the ads around its search engine results and publishers network so the world can see them, click on them and hopefully buy something from the advertiser. AdWords pays for Adsense.

Publishers have no control over what ads are placed on their pages. Publishers install the widget and Google analyzes the site and loads ads to it through the widget as it sees fit.

Here’s what Google says at the link they give you to appeal:

Why was my account disabled? Can you tell me more about the invalid click activity you detected?

Because we have a need to protect our proprietary detection system, we’re unable to provide our publishers with any information about their account activity, including any web pages, users, or third-party services that may have been involved.

As you may know, Google treats invalid click activity very seriously, analyzing all clicks and impressions to determine whether they fit a pattern of use that may artificially drive up an advertiser’s costs or a publisher’s earnings. If we determine that an AdSense account may pose a risk to our AdWords advertisers, we may disable that account to protect our advertisers’ interests.

Lastly, please note that as outlined in our Terms and Conditions, Google will use its sole discretion when determining instances of invalid click activity (emphasis added).

Here’s what they say about appealing their decision:

Can my account be reinstated after being disabled for invalid click activity?

We’re always willing to work with you to resolve any issues you may have. If you feel that this decision was made in error, and if you can maintain in good faith that the invalid activity was not due to the actions or negligence of you or those for whom you are responsible, you may appeal the disabling of your account.

To do so, please contact us only through our online appeal form.

Once we receive your appeal, we’ll do our best to inform you quickly and will proceed with appropriate action as necessary. Please understand, however, that there is no guarantee that your account will be reinstated.

Please also bear in mind that once we’ve reached a decision on your appeal, further appeals may not be considered, and you may not receive any further communication from us.

And after you appeal:

My account was disabled and my appeal was denied. Is there any way I can rejoin the program? Can I open a new account?

We understand your concern about the actions taken against your account. Please know that our actions are the result of careful investigation by our team of dedicated specialists, taking into account the interests of our advertisers, publishers, and users. Though you may be disappointed with our decision, we are unable to reinstate your account.

Please also note that publishers disabled for invalid click activity are not allowed any further participation in AdSense. For this reason, these publishers may not open new accounts.

Lastly, please bear in mind that Google does reserve the right to disable an account for any reason, including invalid click activity from any source (emphasis added).

In a nutshell, Google makes all the rules and will take its bat, ball and bases and go home if it doesn’t like playing with you.

Some people (not me) make several thousand dollars per month with Adsense. That means some people’s entire monthly income may rely on one revenue stream. That’s just about as bad as having a corporate job and being downsized.

Here’s the real kicker for me. I have never received a payment from Google Adsense because you have to earn a minimum $100 balance to get paid. My balance after 9 months of hosting ads on all of my blogs was a little over $50. They pay you mere cents per click and they’re making millions of dollars in advertising revenue. For a $50 balance to somehow endanger advertiser revenue they must be charging advertisers a lot per click.

Here’s another kicker. You can’t see the Google pay-per-click ads you host on your web pages unless you use Firefox and have the Adsense ad viewer add-on installed. Then you can view your ads, but they aren’t clickable. Your IP address is blocked to keep you from clicking on your ads to artificially drive up your earnings. I have no idea where invalid clicks came from because they sure didn’t come from me or anyone in my household.

I’ve corresponded with other bloggers and internet marketers I know, and many have come to the conclusion that it’s not a matter of IF you will be banned from Adsense, it’s a matter of WHEN.

More about Google’s empire:

Yes, Google has become an empire. Roughly 70% of all searches done on the internet daily around the world use Google. The other 30% is divided up among the remaining search engines, mostly Yahoo and MSN. In the area of internet marketing, your website’s position in the Google search results is very important if you want to grow traffic to your sites and increase sales. We all spend a lot of time trying to improve our pages’ positions in Google’s results. This effort is called SEO, for search engine optimization.

Google also has the authority to put your site into the Sandbox. That means for some reason, which you may never know, they will decide your site violates some rule they have and they take your website out of their search index. The Sandbox is where your URL goes until it gets put back into their index. Google may not tell you that they put your site in the Sandbox. You may have to discover it yourself. Once you know it’s out of the index you have to appeal their decision and ask very nicely what you need to do on your site to get it back into the index. This may take months and you won’t hear about any progress. All you can do is contact them and hope they’re considering your plea.

Google is becoming the monopoly of the internet like Bell Telephone used to have the monopoly on telephone service, except they couldn’t monitor your calls. Bell Telephone had a monopoly thanks to the U.S. government and lost it through deregulation. Actually, it’s probably more like the Microsoft empire. Microsoft is handed billions because they produce the most popular computer operating system, although it’s definitely not the best. If you don’t believe me, try using an Apple Macintosh for awhile and you won’t go back to Windows if you have any choice. Microsoft nearly has a monopoly on operating systems, but they can’t force you to buy computers with that operating system.

That’s where Google is different. They have a lot more power over your everyday internet use than you might realize. You may use their search engine, they may host one or more of your email accounts, you may use their Analytics or Google Docs services. They may host your blog (Blogger.com). They own YouTube and Feedburner, too.

Google is a monopoly because we, the internet users and content producers, are handing it to them on a silver platter. We the people are giving Google the power they now wield against us, especially we the internet publishers. Google gets us from a couple of directions. They control their search engine algorithms (and thus our placement in that engine’s results), they control the rules those algorithms use (and seem to change the rules regularly), and they control who has Adsense accounts and how much is made from them.

Unlike Ma Bell and Microsoft, they decide where you will be placed in search results or if you’ll remain in their index, and they monitor your account and decide if you can continue to make money using their program. Big brother is watching. They control everything, you have no control over anything, and they can knock you out at their whim and aren’t accountable to even tell you why. You can appeal, but again, they can ignore you if they want.

What if Google starts to censor what publishers write? Aren’t they already doing a little of that when they de-index a website or blog? De-indexing is equivalent to censorship. They don’t “burn the books”, they just lock small parts of the library so no one will discover what’s in those little cabinets. They use the excuse of spam in many cases, and I’m the first to admit spam is a real problem, but the truth is they may not like it when any website gains too much favor too quickly in their search engine rankings and will use their terms and conditions to slap anyone they choose.

Are we going to continue to hand Google this kind of totalitarian power and let them control the World Wide Web? Are we going to continue to gladly use their services and accept that we will be treated like dirt whenever they feel like slapping us around? I’m not sure we have that much of a choice given how much Google owns and runs on the web today.

Here’s what I’m doing:

I’m not appealing Google’s decision. They can take my Adsense account and shove it. I may not own the bat, ball or bases, but I can sure quit playing when I choose to.

There are other ways to place advertising on my blogs and I’m going to use them. I’ll write about them in another article.

What you can do to take Google down a notch:

  • Use a different search engine more often: ask.com, yahoo.com and msn.com all work really well.
  • Use a different service to host your email account or your blog. There are thousands of them available. I use private hosting for all my blogs on HostGator, and all my blogs use WordPress.org software, which is free.
  • If you’re an advertiser, try using another medium than AdWords. Try Yahoo, AdBrite, Text-Link-Ads, Technorati Engage, etc. or get your affiliates busier networking for you.
  • If you’re a publisher, start branching out to other companies and methods for earning money from your websites or blogs. Don’t depend solely on Adsense because it could go away tomorrow. No more than 10% of your total income should be from a single source.
  • Use a different site analysis software program. Yahoo offers one and so does Alexa. Again, branch out to other services. I still use Google Analytics because it’s free and it the most comprehensive, but it isn’t a real-time service so I use others to supplement that information.
  • Quit worrying so much about your Google results position or your PageRank and concern yourself with producing quality content regularly. I know that’s nearly blasphemy in internet marketing, but why is 70% of the web better than the other 30%? It’s not. It’s just more popular. What is your Yahoo search results position? How about your MSN position? Ask.com position?
  • Stop using Google as a verb. Google is the name of a company and is therefore a noun.

Let’s knock on Google’s door and ask them to play a little less often. Let’s quit giving Google all the toys so we’ll have some to play with when they decide to get pissy and kick us out of their game.

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January 31st, 2009 Posted by joubess | Earnings Updates, Resources | 3 comments

January 2009 Debt Report

Debt balances:

  • Dentist: $415
  • Attorney: $449
  • IRS: $2,397.38 (TY 2007)
  • LDR: $2,735.00 (Louisiana Department of Revenue, TY 2007, no payments scheduled yet)
  • Chase HELOC: $4,815.82 (2 months behind)
  • CFCU Visa: $5,002.91 (1 month behind)
  • Capital One HELOC: $21,504.57 (1 month behind)

First mortgage balance: $116,089

Debt Balance excluding co-signed student loans and first mortgage: $37,320

Total debt including first mortgage, excluding student loans: $153,409

Student Loans:

  • Co-signed student loans, approximate balance: $48,318 (got a letter from these folks; need a complete audit on these accounts; not sure this balance is correct)

Possible total balance including 1st mortgage: $201,727

Discussion

What a difference a month and a serious recession can make. Earning enough income is tougher than last month, which was tougher than in November.

I haven’t been able to get a pizza delivery job this month. I’m still on the waiting list. Selling websites was at a rate of 1 in 15 phone calls. Now it’s 1 in 35 phone calls. Getting 4 hours of consulting on WordPress a week has also been challenging. I can still make enough income, but I have to work a lot harder to do it. Such is life. At least I have a way to earn money.

Tutoring is going well for a change. This month is a half month because of the Christmas/New Year’s break, but I’ll still make $670. It would have been a bit more, but some of my kids have gotten sick and have had to cancel sessions.

Unfortunately, February will also be a short month because of Mardi Gras week (they’re all off school and most will cancel). I anticipate making at least $675, assuming all students cancel during Mardi Gras week. March will be a full month with no breaks, and spring break will come the first full week of April. Then there will be a hard push through final exams in May. I already have a couple of kids lined up for summer enrichment tutoring.

Getting people who owe me refunds to pay is much tougher. I’ve been working on 3 substantial refunds from 2 months, and I still don’t have my money. I’m finding significant barriers in the form of requirements of more information and more paperwork than in the past, and one private vendor has put me off by just not responding at all until he feels like it. He was supposed to have paid me last week on Saturday, but I still don’t have my money and I haven’t gotten a reply since I asked him why not.

Catching Up Back Payments Due

I’m not just behind on some of the above payments, I’m behind on our utilities this month. If I don’t come up with the money to at least pay those soon, like within the next week, they’ll shut us off. Then I won’t be able to make any online income from home. I’ll have to work out of a coffee shop or restaurant, and that slows down my ability to earn.

I’ve given a lot of thought to taking money out of one of my retirement accounts to catch up on everything, and I’ve decided to bite the bullet, take the tax hit and withdraw enough to catch everything up so my income can go to keeping everything up. I’ll also take out enough to pay my dentist and my attorney.

Once payments are caught up and my income is more stable, I hope the bankruptcy judge will require one of the banks I have a second mortgage with to refinance the two seconds into a single second, and make it a standard second mortgage.

I’m behind on my Chase HELOC because my Capital One second turned out to be a sub-prime loan, and every time I get some money, they call and demand payment to stop foreclosure proceedings. I had a good job and good credit when I applied for my Capital One second and I don’t recall it being a sub-prime loan. I guess I needed to read the fine print more carefully.

My Chase HELOC is a standard HELOC, so they won’t come after me for 6 months. Capital One comes after me after missing 2 payments. It’s supposed to be 3 payments, but they’re jacking me around and threatening to add the appraisal fee to my balance if I don’t pay the past due balance by certain dates. If anyone knows any of my rights about this, I’d appreciate you commenting and letting me know. I haven’t been able to find specific information about this situation.

If I could get my attorney paid off I could proceed with my bankruptcy and hopefully get the second mortgage problem solved.

Taxes for 2008

I’m collecting my tax information as it arrives, and I made substantially less money than in 2007. That will mean a lower tax bracket, and with the economic stimulus, I might get enough of a refund to settle my balance with the IRS and get rid of that payment entirely. Then I can start making payments to the State of Louisiana and get that tax bill off my plate.

It really scares me to owe the IRS and LDR. They can come into your life and wreak total havoc if they choose to do so. So far I’m able to meet that obligation, but I’m scared of what will happen if I no longer can meet it for whatever reason that might come up.

Co-Signed Student Loans

When I call them to discuss an account audit and payment they won’t be happy because I’m not paying them a penny until all my debts and my second mortgages are paid off, except for my first mortgage. Then I’ll agree to start paying them. Hopefully, the bankruptcy judge can intervene on that issue as well. Those loans are not bankruptable, but they are modifiable.

We’ll see…

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January 24th, 2009 Posted by joubess | Debt Reports | one comment

Resolutions for 2009

I had a whole list of fuzzy aspirations for 2009 and decided there was no way any of that stuff was ever going to get done. There were too many things on the list, and everything on it was unspecific and big-picture. Most items had no metric to measure them. Most would have required several goals accomplished combined to say that item had been accomplished.

Then I listened to a public radio podcast, I don’t remember which one, but I think it was Marketplace, and one of the topics was New Years resolutions and why half of them fail, but on the bright side, about half of them succeed. I dumped my big list of fuzzy junk and decided on a couple of things I really need to focus on this year.

Resolutions for 2009:

  1. Increase my monthly online income to $3,000 per month ($100 per day)
  2. Increase muscle mass so I can lift a 40 pound bag of dog food without straining excessively

I’m sticking with these two for now. I know I didn’t put anything in here about how to make the world or even my community a better place, but until I get my own house in order I can’t be that much help to other people. Once my own affairs are taken care of, then I can make goals about helping others.

How I Am Going to Accomplish My Resolutions

Now for the sticky part, HOW am I going to make these resolutions reality? That is always the hard part. Saying what you want to accomplish is easy. Going about accomplishing what you said is hard because it requires hard work and commitment, 1% inspiration and 99% perspiration.

Let’s look at them separately.

1. Increase Monthly Online Income to $3,000 per month ($100 per day)

Assess where I am right now – I earn anywhere from $90 – $297 per month or $2.97 – $9.79 per day. $100 – $2.97 = $97.03 and $100 – $9.79 = $90.21. I have a lot of money to make up to meet my goal of $100/day.

Mindset

  • Focus on the tasks that need to be done first each day (avoid time-wasters)
  • Accomplish daily tasks before checking email
  • Unsubscribe from all lists that aren’t helping me make money or produce great content

What are my current income streams online?

  • Amazon.com affiliate program
  • eBay affiliate program
  • Text ad sales
  • MSNBC Going Green Network
  • Other affiliate program sales (several)
  • Squidoo
  • Scribe Fire
  • WordPress consulting
  • WordPress website building
  • Freelance writing

Which sites earn money and which don’t?

Earn Money:

Don’t Earn Money

Tasks for making more online

  • Sell Home Office Organization (I’m not keeping this site up)
  • Publish at least 4 posts to my active blogs per month, 2-3 per week would be better (I have 3 very active blogs, and I’ll post to Hurricane Katrina Pictures when something is relevant)
  • Write the guest author article I promised last month
  • Market my current sites consistently every week on StumbleUpon and Twitter
  • Use StumbleUpon and Twitter at least once daily just as a user
  • Find more friends on StumbleUpon, Twitter and Facebook
  • Search within each niche for other blogs and forums, and comment on them at least twice per month (pick one blog or site every other day or so and market that site that day)
  • Submit a post each week to STC (I’ve written a lot but not posted anything to the group)
  • Update Squidoo Lenses monthly
  • Join the Squidoo forum to get more traffic to my lenses, and thus to my websites
  • Build 10 WordPress websites each month for local businesses (make sure new websites use my HostGator and AWeber affiliate links to set up their accounts for hosting and email lists so I can have some residual income from them; it doesn’t cost the user more but it earns a little each month for me in sales commissions)
  • Spend at least 4 hours per week consulting on WordPress
  • Set up at least 2 new niche websites per month that earn $10 or more per day consistently (focus on quality of high-earning sites instead of quantity of low-earning sites)
  • Find a product that sells on Hurricane Katrina Pictures, or find an advertiser for that site
  • Convert Batman Villains to WordPress
  • Convert Superman Villains to WordPress

I need to print this list out and put it where I can see it every day so I stay focused on the tasks I need to accomplish ;)

2. Increase muscle mass so I can lift a 40 pound bag of dog food

Why a resolution like this? I have to lift 40 pounds of dog food at least once a month for my two large dogs. I have already had major hernia surgery and I really don’t like the pulling feeling I get in my stomach when I lift the dog food bag. Other common do-it-yourself items also weigh 40 pounds, like the smallest concrete sacks. You can’t buy 20 pound bags of concrete mix. I have to do a fair amount of concrete work around the bottom of my backyard fence when my dogs decide to find another way to dig out of the yard. Moving those bags around is really tough now that I’ve gotten older. I’m losing my strength and I need to get back enough to accomplish the tasks I need to do around the house.

  • Walk at least a mile at least 3 times per week carrying at least one 2 lb dumbbell in each hand
  • Increase weight when 2 lb seems too light
  • Spread my outside work around to 3-4 days per week that include mowing, raking, hauling limbs, cutting up limbs, etc. to build strength over time and accomplish things that I have to get done anyway
  • Do the outside work with manual tools as often as feasible

These are the only resolutions I am going to make, and I am going to work on them until they are accomplished before I tackle anything else that isn’t vital to our survival.

I copied these lists of tasks into another document and printed it. From that I will make a monthly schedule/check list that I can use to be sure I’m doing all the things I need to get done. Each month I’ll report my online income progress.

Have you set any resolutions or goals for 2009? If so, what are they and how do you plan to accomplish them?

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January 5th, 2009 Posted by joubess | Goals | no comments

Mixing the Jack Rose Cocktail

Rachel Maddow demonstrates some mixology: how to mix the Jack Rose cocktail. Rachel is an aspiring mixologist and learns everything she can about the American contribution to drinking, the cocktail.

Mixing American cocktails is an art that was almost lost during Prohibition, and like zymurgy, it requires study and practice to recreate and carry on the old art form. As a zymurgist, I understand Rachel’s passion for sticking to original ingredients and processes. (Zymurgy is the art and science of brewing beer).

Happy New Year!

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January 2nd, 2009 Posted by joubess | General | one comment

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