0 comments on “Is it true that YouTube will Limit Ads For Creators Whose Videos Receive ‘Inappropriate Comments’?”

Is it true that YouTube will Limit Ads For Creators Whose Videos Receive ‘Inappropriate Comments’?

Youtube_Action_on_Inappropriate_Comments

YouTube will Limit Ads For Creators having ‘Inappropriate Comments’

As per SlashDot News,

In response to a mother’s inquiry into why her son’s gymnastics videos were deemed not advertiser friendly, YouTube said on Twitter it has “taken a number of actions to better protect the YouTube community from content that endangers minors.” The video-sharing website went on to say something very concerning for anyone who has ever uploaded a video to the site: “… even if your video is suitable for advertisers, inappropriate comments could result in your video receiving limited or no ads (yellow icon).” 

Essentially, what YouTube is saying is that if someone leaves a “incendiary or demeaning” comment, or one with “inappropriate language,” the video which features that comment could get demonetized and the content creator would not generate money from it. If you’ve ever read a comment thread on YouTube, it shouldn’t take long for you to realize how big of an issue this could become. According to YouTube’s “advertiser-friendly content guidelines,” the following content may not be suitable for most advertisers: “controversial issues and sensitive events,” “drugs and dangerous products or substances,” “harmful or dangerous acts,” “harmful or dangerous acts,” “hateful content,” “inappropriate language,” “inappropriate use of family entertainment characters,”

0 comments on “Is it better to have Less Adsense Units to Make More Revenue?”

Is it better to have Less Adsense Units to Make More Revenue?

Guest Post: Samantha

adsense_online_ads

I love writing content online, and I also love Google Adsense. Adsense is a great program that helps online publishers earn revenue from their content. Since I do run my sites as a commercial enterprise (meaning I do earn revenue that exceeds expenses), I do take the time to try and maximize my revenues.

So I have been researching ways to increase Google Adsense revenue, and I stumbled upon an interesting idea: Less Adsense ads per page may increase total revenue.

Do Less Adsense Units Per Page Make More Revenue (Money) Per Click?

First let me back up and explain the theory on how this supposedly works. Adsense advertisers use a “bidding” process to bid for their ad placements.  The highest bidder for a particular phrase or keyword will have the top ad placement, at the top ad unit that first appears in your page’s HTML code.

The more ad units (and ad spaces) you have on your page, the more bids there will be. So the theory works by saying if you only have 1 Adsense unit on your page (as opposed to the maximum 3), you will increase your revenue since the only bidders that show up will have higher costs per click.

To illustrate how this will work, let me give a brief example:

If you used all 3 Adsense units (that show both image and text ads), and you placed a large skyscraper, and 2 large square sized ads on your page. In this example, you can have up to 13 different ad slots (5 text on the skyscraper, and 4 text on the large squares each).

Of course, sometimes the large square or skyscraper may be an image ad, in which case only 1 ad slot counts. But assuming they are all text ads, there may be as many as 13 different ad slots.

So if there are this many slots on your 3 Adsense units, the clicks may be priced as follows:

  1. $2.50
  2. $1.75
  3. $1.34
  4. $1.05
  5. $0.93
  6. $0.83
  7. $0.77
  8. $0.71
  9. $0.65
  10. $0.50
  11. $0.41
  12. $0.20
  13. $0.08

As you can see, if someone clicked on the last Adsense unit on your page, and clicked a lower ad, it would result in a lower click earning. However, if they clicked the top ads, it would result in a higher click earning.

The theory then goes, that if you only use 1 or 2 Adsense units on your page, you will reduce the number of low paying clicks.

So in the other example, assuming you only have 1 large Adsense square (with both image and text ads set), you could have 1-4 ads slots displaying on the page only (depending on whether an image or text ad shows). The costs per click may look something like this:

  1. $2.50
  2. $1.75
  3. $1.34
  4. $1.05

Thus, the one ad would result in the highest click, and you would earn more revenue. I researched this and looked at a lot of threads and posts by other bloggers and webmasters online, and I was eager to see if this worked. Some said it worked great, others said they earned less using this method.

On one forum, an actual Adsense advisor recommeded people use the maximum number of ad units (3), and that they use the larger formats to maximize revenue. So needless to say, there was a lot of conflicting information, so I thought I had better try this myself.

Did My Adsense Revenue Increase or Decrease with Less Ad Units?

I spent a few hours preparing this experiment across all of my blogs/sites so I could get a good feel for whether or not it was working. So I took down all ads except for 1 large square.

I then waited eagerly to see if it was going to change my revenue earnings. The first day earned a normal amount of revenue (it was only 1/2 day actually, since the first half had the normal amount of ads). So it seemed as if perhaps it was working.

The second day seen a noticeable drop in earnings. The next day was again low. Then the next. The difference was about 5-10 from my average earnings. Then it went slightly up compared to the drop the next day, but still not up to the usual earning amount.

In fact, this theory was quickly disproved when I saw some very low “clicks” that came in on one of my other sites. I then realized that even though Adsense and Adwords does use a bidding process, there are other factors at play.

I then experimented some more, and changed it to 2 small ad units (200X200 square), and added one on top and one on the bottom of my page. This did not make much of an impact either, and the earnings were still low.

I let this experiment run for about a week and a half to make sure that it wasn’t just a small dip that was unrelated to the ad change (and Adense does seem to have cycles of higher earning days sometimes). It wasn’t. My traffic was the same as before I tried the experiment, and the low costs per click made me realize that the theory simply didn’t work.

Therefore, I then placed all 3 ad units back on the page (set to both image and text ads), and used the 3 largest formats (large skyscraper, and 2 large squares).

Then, within a day or two my earnings were back up. In fact, they continued to climb and are still slowly creeping up even today by a few dollars each month.

Conclusion: Less Ads Do NOT Equal More Revenue with Adsense Always

I did try this on all of my websites to get a strong idea of whether or not it was working. Unfortunately, on every site the earnings were down. I received less clicks, and less revenue per click in many cases as well.

Therefore, it seems as if the Adsense Advisors were correct: By using the 3 Adsense units, and using the 3 largest ad types, you can increase your overall revenue.

So I added all of the ads back on my sites, and decided to just focus on writing more content and getting more traffic. I feel that for now I have “tweaked” my ads enough to maximize their earning potential, and now I just need to build up my site’s content, provide useful articles, and build traffic.

Why Do More Ads Still Equal More Revenue Then?

The theory of “less is more” certainly seems logical, but I think the reason it didn’t work is because it left out a few important facts. First, you have to assume that Adsense will display the full amount of ads every time a page loads on your site. It doesn’t.

Many times I will see that for a large square, only 2 text ads will display. Of course when an image ad appears, it is only 1 ad. So you could have all 3 ad units on your page, and still only have as few as 3-5 ad units appearing.

Add that to the fact that the larger ads are more appealing to advertisers since they can get more “space” on your site to show their product. This increases competition and “bids” for the larger ads.

Also, the more ads that appear on your page, the more likely a person is going to see something they are interested in. Therefore it is no secret that there is a strong correlation with number of ads and number of clicks.

I suppose the Adsense advisor that posted on the site realized all of this, and that is how they knew that from experience, more ads will help you maximize and optimize your Adsense earnings.

Of course, every person should experiment themselves with different sized units, colors, and number of ads on their own site. Some people may receive a different result than I did. But overall, I know that I will maintain the 3 full ads on my site until something changes.

0 comments on “All You Need to Know About Credit Cards”

All You Need to Know About Credit Cards

Guest Post: Samuel C.

All_About_Credit_Cards

Which credit card is right for me?

There is no definitive answer for this question. Each person is different and that is why there are many credit card targeted for different customers. I will cover the most frequently used ones, however the important part is that before applying for any credit card, please consult GreedyRates for best offers currently available.

Now, let’s talk about the available options:

For Students:

  • You are new to the credit card world and you want to start building your credit background. Well there are a few credit cards for you. Those cards are easy to get and does not have any special requirement. They do not have any annual fee, carries small perks and rewards. They also have small credit limit. My favorite student card is BMO Mastercard SPC Cashback

Bad Credit

  • For whatever reason, if you have bad credit and you want to rebuild it, these credit cards are for you. They are what we call secured cards. You need to deposit some cash to your card issuer before they can give you a card. Should you default on payment, they will use your deposit as payment and cancel your card. When you have this kind of credit card, you cannot allow yourself to default on payment. Any bank will offer this product. My favorite one is Capital One, one of the easiest to obtain. Some card issuers require full limit deposit (500$ deposit for 500$ limit) and some of them requires a percentage. (50$ for 300$ limit). After 12 consecutive months of good payment and behavior, they will refund your deposit and upgrade your credit card to a non secured one.

For Salaried Class

  • Depending on your preferences there are many cards which are available for you. The rewards are usually travel, cashback, points etc. These credit cards also carry many benefits such as insurance, fraud protection, extended warranty etc. There are many people using credit cards as a way to get free stuff/travel. It’s called churning. And I will talk about it later.

Business Owners

  • If you are a business owner, you should seek business credit card. These cards carry many benefits with many companies. Their annual fee is tax deductible. The reward could be discount, higher point reward per dollar purchase. They also have high credit limit. Amex offers some of the best business cards.

As always, please verify and compare before applying for a credit card.

Should I accept a pre-approved credit limit increase?

Yes! This will lower your credit utilization ratio, on the card and overall, therefore improving your credit score. However, if you think you will spend more or spend out of your means, please do not accept the limit increase. Remember the money you charge to your credit card is borrowed. High credit limit does not mean you can afford it.

However if your credit limit is very high, sometimes some lenders might ask you to lower the limit on your current credit product before accepting your application. This can happen when you apply or renew your mortgage. The reason behind this is because credit limit counts as available money at your disposal. So if you suddenly spend 90000$ in credit because of any xyz reason, then you can’t pay back all. Their risk tolerance does not allow them to give you additional credit if you already have too much.

Should I accept a pre-approved credit card?

Depends. Some pre-approved credit card does not require a hard pull from your credit report. You can always call the card issuer to ensure that no hard pull will be done should you accept the card. A pre-approved card is issued to you because they’ve already done a soft pull either for marketing purposes or targeted advertising and they’ve determined that you are within their risk tolerance. If you think you can manage properly and the new card has attractive benefits for you, then Go for it! The only downside is that the short term credit score drops. (Your average age of trade is now lowered).

Should I cancel a card that I don’t use anymore?

Yes and no. Remember, you should never cancel your oldest credit card. That card is very important for your average age of trade. It helps greatly for your credit score. You should keep it and keep it active (Buy a pack of gum every few months). If the card has an annual fee, then you can call and ask them to convert the card to a non fee one.

You should cancel the card if the card’s age is lower than your average age of trade or you cannot manage multiple cards and might forget a payment…

Upgrading, downgrading, merging credit card

It is possible to upgrade, downgrade and merge multiple cards with the same card issuer. This usually does NOT necessarily involve a credit check.

When upgrading and downgrading, you need to ensure that they use the same account but just have different card type. Upgrade and downgrade does not affect your average age of trade nor does it affect your credit limit. Your spending power stays the same with just a different product.

Merging credit card happens when you have 2 or more credit cards with the same issuer. Instead of managing all of them, you just want one. When merging, card issuer will add up all the available credit limit and combine it to 1 card.

What to do if my credit card application is denied?

You can and should appeal your case by calling their customer center. They will usually give you a general indication as to why your application is denied. You can always ask if there is anything you can do to get your card approved.

My credit card’s credit limit.

Your credit card’s limit is calculated by an algorithm by each card issuer. All of them have different algorithms, so you can also call this as risk tolerence. Generally speaking, the higher the income you have, the higher limit you will be granted. Premium credit card such as World Elite from Mastercard and Infinite & Infinite Privileges from Visa does not have maximum limit but does have a minimum limit. Ordinary cards’s minimum limit is usually 300$. But this is often not written.

For every limit increase request, they will do a hard pull from your credit report. However sometimes there are pre-approved limit increase as stated above that does not require a hard pull, because your card issuer considers you very trustworthy. You can also request a limit increase without a hard pull. They will sometimes agree to do it or may deny it. The best way to know is call in. If you are requesting a limit increase on your card issuer’s website, it will automatically be a hard pull.

For limit decrease, there is no credit check involved. Credit limit decrease can be done at anytime without any questioning.

What is a charge card?

The major charge card issuer in Canada is Amex, a charge card must be paid in full every month. It has amazing welcome bonuses and rewards. Charge card does not have a preset credit limit, but that does not mean you can spend whatever you want to. Charge card issuers will authorize the transaction case by case. The “invisible limit” is set by your credit file and your spending behavior. You can call the card issuer to give you an approximate limit of your charge card.

If a charge card is not paid on time and/or the balance is not paid in full, you will be penalized heavily. It carries a 30% interest rate vs 19.99 of credit cards.

For the curious, you can read on American Express Centurion (AKA, Blackcard)

What is Churning?

Many credit card companies offer attractive welcome bonuses so that you can become one of their clients. Churning is getting those welcome bonuses and then once you get them, cancel the card and go for next one. These welcome bonuses usually range from 200 to 600$ in terms of cash value. People trade a credit check for those cash. Churning is delicate and needs to be done with precaution. Obviously it opens many accounts in same time and lower your average age of trade. If you are in need of a loan or mortgage, you should not churn 1-2 years before the due date. When churning, it is important to know your credit background and score and also know when to stop before you receive negative impact.

How do I redeem those rewards from my credit card?

Reward redemption has different rules. You can sometimes redeem monthly, yearly and sometimes at your will. You can always find this information from the card issuer’s website or your card’s brochure.

Credit card billing cycle & how to pay?

For instance, you opened your credit card on the 1st of a month, your billing cycle will be 1st of each month to the last day of each month. And on 1st of each month you will receive your bill. When you receive your bill, you will have a grace period (interest free) of 21 days to pay your balance. During this time, you must pay all your balance of your previous bill in full. Remember it is 21 calendar days and not 21 business days. (The due date is always written somewhere on the bill). If you do not pay in full, the rest of balance will be carried over to the next bill and interest will be levied.

It is also recommended to always let your credit card report a balance to credit bureau. Otherwise the credit bureau will ignore the credit card in the score calculation. (partially, due to credit limit counts toward the overall ratio utilization).

Can I have a credit card with a bank that is not my bank?

Yes, you can apply for a credit card at any credit card issuer. To pay the credit card, you simply need to find the bill name for the card issuer and the account number is always your card number.

What to do if I have credit card debts?

Credit card debts are the worst debt in the market. At 20% and 22% interest rates, you could lose money very fast. These are the general rules you should follow.

  • Budgeting, cut all unnecessary expenses. Earn additional income if possible.
  • Cut your credit card and spend money only on debit or cash.
  • Seek a way to pay your debt. (Consolidation loan, balance transfer, payment plan with card issuer etc.)
  • See below:

Consolidation loan is offered by bank to help you to pay back your debt at lower interest rate, and it is a personal loan.

With Balance Transfer, you can transfer your current card’s balance to a new one and apply for a new card.

With Payment plan, you can negotiate a deal with your card issuer and schedule a payment plan. Just like consolidation loan, there are terms and conditions you need to abide by.

How to be a responsible consumer?

Ask yourself these questions whenever you are about to purchase something.

  1. Is this something I absolutely need?
  2. If I need it, is there a cheaper alternative that is as good as this one?
  3. If it’s non essential for living, is it a luxury? If it’s a luxury, can I afford it? (If you need a payment plan or loan then you can’t afford it)

1 comment on “How to Get a Job in Canada from India”

How to Get a Job in Canada from India

(Guest Post): CV 

Last Updated: 17th February, 2019

How to Get a Job in Canada

how_to_get_a_job_in_Canada_from_india

There are three ways to secure a Job in Canada from India. Two of them work easily.

OPTION 1: The luckiest and riskiest way – Your company in India transfers you on a special project.

At the company I currently work at, our IT division is outsourced to HCL. Project Managers and IT engineers from Bangalore and Noida are currently based out of our Brampton office. They were hired as “temporary foreign workers” from Canada’s International Mobility Program for a couple of years. After 1-2 years of experience, they may be eligible for permanent residency from one of the following programs:

Canadian Experience Class (CEC) program – “I have 1 year of full time work experience in Canada, in a job that is classified in the Canadian National Occupation Classification (NOC).”

Provincial Nominee Program (PNP) – “I have 2 years of full time work experience in Canada, in a job that is NOC classified, and the company loves me so much that they are willing to nominate me to apply for permanent residency.

The reason this is a risky choice is because you are not in control. Ultimately, you’re relying on the good will of your company and its success to dictate if you stay in Canada or pack up back to India.

There are many major Indian companies that have presence in Canada – HCL, Tata Consultancy Services, ICICI Bank and other companies that have a large presence in India such as Sun Life and Accenture.

With Justin Trudeau and Narendra Modi aimed at getting “warmth” between the two countries according to HindustanTimes, we hope to see more Indian businesses flourishing in Canada in the future. Brampton, the city our very own Russel Peters grew up in, currently has a large Indian immigrant base, and its economy is on the rise.

What this means for you? If you currently work for a company in India that has presence in Canada, start speaking to your management or your counterparts in the Canadian branch to let them know you’re interested. I recently spoke to a family friend of mine, Matthew. He works at JP Morgan. He told me he let his company know a year in advance he was moving to Canada, and when the opportunity came up, JP Morgan Canada welcomed him. Take this approach only if you are sure that this announcement will not hurt you in any way in your current job – not all bosses are supportive!

OPTION 2: The reliable way – Apply for permanent residency and network network network!

When you’re a permanent resident (PR) in Canada you don’t have to worry about the deadline of a work permit expiry date. The less stress during a job search, the better.

If you apply for a permanent residency using the methods that other people have mentioned, you can do a “short landing.”

To be eligible for Canadian citizenship, you have to live in Canada as a PR for 4 out of 6 years. (Bill C-6 received Royal Assent on Jun 19 2017, which will change that to 3 out of 5 years. Yay!)

What is a short landing? People who have permanent residency approved will land in Canada for the first time, get their landing papers stamped which will officially make them a permanent resident, and immediately go back to India for up to another 2 years. Then they come back to Canada and don’t move for the next 4 years, so they can be eligible for citizenship.

If you choose to do this, don’t let those 2 years go to waste. Network with Canadians and build relationships as early as possible.

Use those two years you have left to find the right Canadians in your professional industry and start networking with them.

If you short land you have up to two years, use them wisely. Save money and network!

OPTION 3: The useless, time wasting way – Apply for jobs online at Monster, Workopolis, Indeed, LinkedIn etc.

Imagine you are a HR hiring manager working for Tata Consultancy Services in Delhi. You have a job available and you receive 20 resumes. 19 are from HR professionals with great experience and fit the requirements, and they all live in Delhi. One is from a HR professional with great experience and fits the requirements, and she lives in Canada. Would you hire the Canadian?

Please don’t waste your time applying for jobs on the online boards. Your resume is either not being looked at all, or is being tossed aside. Unless your skills on paper are so rare and exceptional and no one else living in Canada applying for the same job has it, you have no chance of securing a job in Canada this way.

When I was job interviewing, one question that was always asked at the interview “Are you legally allowed to work in Canada?” The answer is “Yes” only if:

  1. You are a citizen
  2. You are a permanent resident
  3. You have an open work permit

If you are living in India, you are neither of these things. You are legally not allowed to work in Canada!

There is only one use for the job boards online. You can review the job descriptions of what is being asked in your line of work, and notice if there are any gaps that you can fill from now till you land. If you’re planning to get into project management for example, and you’re seeing “PMP is an asset”, get it done now while you have the comfort and support of your home base.

Another use for the online job descriptions is if you’re in a regulated field. If you’re in the engineering, medical, teaching, accounting, HR field and some others, prepare to go back to school. Colleges and universities generally host these programs. Whether you can do them online while you are in India, I do not know. You will have to contact the respective training institute to find out.

So instead of wasting time apply for jobs online, use that time to do something more productive.

My personal advice, (this won’t be easy to hear), change careers and start working in a fast track high demand occupation. Assuming you meet all the other criteria, you need 1 year of experience in this occupation to be eligible for PR.

This of course is no easy task, because it means quitting your current job and doing something that may be different field altogether.

However, there are 357 fields listed. You must have some transferable skills that will allow you to move jobs into one of these categories.

I have ready that in a life time of a 40 year career, people will change fields at least 4 times. This is a good opportunity to make that happen.

It all depends on how badly you want to migrate to Canada and take the risk to make this sacrifice in India.

So what’s the best choice?

Most people should fall in the Option 2 category but they make the mistake of relying on Option 3. The reason I stress on networking is because in Canada, it’s not about what you know, it’s about who you know. There are 300K immigrants per year + 1 million college students + 6.5% unemployment rate in Canada – lots of competition! The job is awarded to the person the hiring manager trusts, and trust is most likely given to the person they know first hand.

Networking is not just a one time activity, it’s a way of life. Regardless of which choice you pick, get into this habit while in India, while you still have time before the big move, so you can leverage this network after you land.

When I moved to Canada, I got three job offers in two weeks using a targeted job search strategy that I researched for a year before landing in Canada.

Good Luck to you! I hope you secure your new Canadian job as quickly as I did, and then you can bring your parents or grand parents over on the Super Visa program.

(P.S. José Bautista is the Sachin Tendulkar of baseball. Learn the sport, it’s a good ice breaker in networking conversations. “Let’s Go Blue Jays!”)

Bonus Tip for Indians

A study I have uncovered shows that Indian names work against job seekers in Canada.

According to the study called “Why do some employers prefer to interview Mathew, but not Samir?” employers are 40% more likely to interview candidates with English sounding names.

I’m not saying you should change your name, because it is a core part of your identity. But I thought it is important to raise this issue. Chinese job seekers face the same problem.

A response from the study indicates that when employer’s see a non-English name, they subconsciously assume there will be a language and communication barrier. Abbreviating your name, or shortening it (“Dev” instead of “Devindra”) is also another possible suggestion.

Cultural differences

In Canada, more importance is placed on experience and accomplishments. Not on education.

It doesn’t matter if you have a bachelors or masters or PHD. Recruiters firstly have no idea about the education system in India. Even if you state your WES equivalency, it’s not about your education, it’s about whether you have done the same job before.

In your resume, it is very important to highlight your accomplishments and support it with numbers.

For example, if you are an IT engineer, just listing “I resolved general IT problems for the staff” is not enough. State an accomplishment – “I resolved IT problems for the staff and reduced the incident count by 15% per year.”

Also in Canada, people are specialized. If your resume promotes you as a jack of all trades, it will not win any hearts of the recruiters.

For example, if you are a civil engineer and your resume states you can build and fix anything, it’s not specific enough. Look at this link to see the various job titles for civil engineers. Likewise, you can Google “Job Titles for xxxx job in Canada”

0 comments on “How to Optimize your Web Pages for Mobile in 2019”

How to Optimize your Web Pages for Mobile in 2019

mobile_blog_seo

Last Updated: 17th February, 2019

Optimize your blog for Mobile

There are several blogging trends that every blogger should be on board with if they want to be popular in the near future. Of these, mobile access is one of the most important. More and more readers are viewing blogs and sites on the go now, so it’s not feasible to ignore this aspect. The more mobile-friendly you make your site; the more people are likely to engage with it.

In fact, many bloggers and website owners are now opting to perfect their mobile sites. Only then would they move on to a regular computer and laptop access. However, it’s not so easy to make your blog an optimal candidate for mobile access. If you’re interested in how to get started, keep reading below:

Streamlining Is Best

First off all, you need to make sure your site doesn’t have a host of advertisements scattered all over the place. These may leave your pages navigational on a large screen, but not on a smartphone. If any mobile user sees a plethora of ads to be closed down first, they would very likely scurry off.

You also need to make sure that your pictures aren’t too large. Images of very high resolution or quality can take their sweet time when loading on mobile sites. Either do away with them or replace them with smaller images that would do just as well. As for Flash and Java, we would recommend avoiding them for now. Many smartphones just aren’t up to the task of supporting them yet.

Also, streamline your long posts; don’t delete them, but break them up into bold headings and several paragraphs. A block of text is not very appealing to the modern Internet user in any case. A smartphone user simply would not get their head wrapped around your long rambles while on the subway.

In short, make things as easy for a mobile user as possible. Don’t make them have to tap tiny buttons or put them at risk of visiting dubious sites through your blog. Moreover, make your content understandable even when one is just skimming.

Perfect Your Menus

Most of your content should be as much on one page as possible. Scrolling is the main form of navigation that smartphone and tablets users are comfortable with. Of course, you would need several pages on a mobile site. For this, it is essential that you keep your menus very precise and clear-cut.

Simply put; don’t make you menus hard to find or to click upon. Tapping is not as precis as clicking, and you want to accommodate your mobile users as much as possible.

Responsive Design

Everyone would have used responsive design at some time or another, even if they’re not aware of it. Basically, you need to make sure your site or blog knows what device is being used to access it. Hence, it would show different layout according to whether a smartphone user is a viewer or a laptop user. For instance, the website would minimize horizontal scrolling when it detects a smartphone user. This may sound a bit scary, but is actually a great way to optimize and customize automatically.

In fact, customizing your blog in this way doesn’t require wiring lines of code or rewiring your system. Blogging platforms such as WordPress now have a responsive theme option to make your blog mobile-friendly with just a few clicks. For other platforms of your own design, you may need to apply some knowledge of HTML or CSS.

Wrap-Up

Mobile usage is only expected to increase as time goes on. It is up to us bloggers to stay updated and make it easy for our viewers to find us. Optimizing your blog for mobile access would not only increase organic traffic but make it easier for your fans and readers to keep track of your output. So get with the times today and start optimizing as soon as possible!

2 comments on “All about SAP HANA (Infographics)”

All about SAP HANA (Infographics)

Guest Post – Carloski R.

SAP HANA Editions

SAP-HANA-Infographic

What is SAP HANA

There is no doubt that SAP HANA is becoming the hottest technology platform in the market of IT. More than 1200 companies from 58 countries developing applications on this platform. If you have ever considered how SAP S/4 HANA works and how it helps the client to enhance their business, then continue to read this article.

SAP S/4HANA is SAP’s next generation business suite designed to help you run simple in a digital and networked world. 
This new suite is built on our advanced in-memory platform, SAP HANA, and offers a personalized user experience with SAP Fiori. 
Deployable in the cloud or on-premise, SAP S/4HANA is built to drive instant value across lines of business and industries with the ultimate in sophistication: simplicity. The repeat of this course features some updated information along with a new unit on SAP Activate. SAP Activate is the new innovation adoption accelerator introduced with SAP S/4HANA, a unique combination of SAP Best Practices, Methodology, and Guided Configuration delivered with a reference solution.

Differences between SAP HANA & SAP S/4HANA

Some levels of confusion between SAP HANA and SAP S/4HANA still exist with the majority of the people these days. In this article, we provide clarity for those who are wrestling with the differences between the two. It is important to understand their functionality and constraints to make use of the products efficiently. In order to understand the differences between SAP HANA and SAP S/4HANA, one must understand the basic concepts of SAP HANA and SAP S/4HANA.

SAP HANA is a database, an in-memory database, while SAP S/4HANA is an application which is designed to run on the SAP HANA database. It is a revolutionary platform-based in the company’s new In-memory database. Learning it will imply that choosing to pursue a career path that is both fulfilling and exciting to work with. SAP HANA acts as a hub for all SAP’s products strategy and it serves as the base for recent technology SAP S/4HANA that is set to serve as a cornerstone for all SAP technologies.

What SAP HANA is all about

HANA is the backend that runs the SAP landscape. Its central feature is an innovative, column-based Relational Database Management System (RDBMS), which is used to store, retrieve and process data on core business activities. SAP HANA itself doesn’t determine what sorts of tasks a business does, it can accommodate any type of data. Businesses install applications that run on top of HANA, such as SAP applications for finance, HR, and logistics. As such, companies have to make choices about what software best meets their current needs.

Unlike other RDBMSs SAP HANA reduces the memory usage factor by 10 and improving performance as it uses column oriented storage which combines OLAP and OLTP into a single structure. The speed of both Online Transaction Processing (OLTP) and Online Analytical Processing (OLAP) can be drastically changed with the design of SAP HANA. Information of the majority databases is stored on the hard drive which in result keeps an only limited amount of information in main memory. Hard drives are relatively slow, which limits how fast they can recall information.

SAP HANA is made up of a simpler structure and lower memory footprint than other RDBMSs. A system like OLAP and OLTP are stored in different databases which result in insufficient memory, redundant information bloating the DB footprint.

Hence, SAP HANA can do real-time analytics, crunching data nearly instantaneously. This allows businesses to react more quickly to changing conditions, providing significant strategic benefits.

SAP HANA isn’t just a new choice for enterprise computing; because it handles data very differently from other databases, it is designed to run SAP software. SAP SE has been reworking their core ERP applications to better harness HANA’s speed and flexibility, and will only support older versions of the software until 2025, at which point customers need to have completed their SAP HANA migration, and upgraded to the new software.

What is SAP S/4HANA all about?

SAP S/4HANA is the shorter form of SAP Business Suite 4 SAP HANA, which means it is the fourth version of SAP Business Suite. It is designed to run only on SAP HANA. The transition of SAP users to SAP S/4HANA is similar to the earlier transition from the ERP versions, SAP R/2 to SAP R/3.

The next generation Business Suite of SAP is SAP S/4HANA which is designed in a simplified way specifically to work with SAP HANA and to replace the SAP ECC/ERP.

SAP S/4HANA is the in-memory version of the Business Suite ERP platform.  SAP S/4HANA was announced in February 2015 and billed as SAP’s “most important release in 23 years”, S/4HANA is intended to be easier to use and administer by helping to solve more complex problems and handle vastly larger amounts of data than its predecessors. S/4HANA is available in on-premises, cloud and hybrid deployment models.

As per the SAP, developers feel the changes in SAP as they find ERP system is more agile, simpler to understand and use. This change is termed as the opportunity for businesses to reinvent business models and re-generate revenues with the advantage of the Internet of Things (IoT) and big data by connecting people business networks and devices by the SAP.

As per the SAP, Batch processing is not required for S/4HANA this makes the businesses to simplify their processes and drive them in real time which mean that the business user can access insight on data from anywhere in real time for prediction, execution, Planning and simulation.

SAP Simple Finance is one of the main components of S/4HANA, which aims to streamline financial processes and enable real-time analysis of financial data. Simple Finance helps companies align their financial and non-financial data into what SAP refers to as a “single source of truth.” Some Business Suite users are deploying Simple Finance as the first step in the road to S/4HANA.

Conclusion

The popularity of SAP HANA and SAP S/4HANA has led to widespread usage across the globe. The demand for these modules is very high and a smart professional must leverage this trend in order to take advantage of the market demands.

Book a Demo? Please visit: http://affirmts.com

0 comments on “What is an IRA in the United States and Why You Must Care”

What is an IRA in the United States and Why You Must Care

Last Updated: 5th March, 2019

Guest Post: Author J.D.

IRA

Individual Retirement Account — What is an IRA in US?

The technical term, according to the Internal Revenue Service, is an Individual Retirement Arrangement, though it is more commonly called an Individual Retirement Account.

An IRA is simply a holding account. It’s a label. The difference between an IRA and an ordinary investment account is twofold:

  1. Your contributions to your IRA may be deductible for income taxes. (More details below.)
  2. All the gains (dividends, interest, and capital gains) accumulate untaxed as long as they stay in the account.

When you open an IRA, it contains nothing. It’s like a bucket — it’s just a place for you to put something — and what you place in your bucket are investments.

For example, you might buy stock through your retirement account or maybe government bonds. Some people use their IRAs to buy real estate; and some simply let their cash sit there, earning interest, just as it would if it were deposited in the bank down the street.

Smart people mix things up over time. Their buckets may contain a combination of stocks, mutual funds, bonds, and real estate. But they don’t have to be diversified at all. Your IRA can contain a single index fund if that’s what you want to do.

Point to remember: An IRA is not an investment — it’s a place to put investments.

401(k) and IRA Contribution Limits Boosted for 2019

The limit on annual contributions to an IRA increased to $6,000 for 2019, from $5,500. And the additional catch-up contribution limit for individuals aged 50 and over is not subject to an annual cost-of-living adjustment and remains $1,000, the IRS has announced.

What is the benefit of an IRA?

The primary benefit of an IRA is that the returns on an investment are not taxed.

Untaxed, the gains earned in an IRA compound much faster compared to an ordinary investment account where what you earn is taxed every year.

In addition, depending on the type of IRA you set up, either your withdrawals or your contributions are not taxed. Over your lifetime, a tax-favored personal savings arrangement, or IRA, can add tens of thousands of dollars to your balance which you may not have had otherwise. It’s a benefit the federal government offers workers to encourage them to save for retirement, and the advantage is significant enough that it shouldn’t be overlooked.

Types of IRAs and their tax advantages

There are two major types of IRAs — a traditional IRA and a Roth IRA. In order to understand the difference, let’s first step back and look at a normal investment account, i.e., one with no tax advantages.

Normal Investment Account (no tax advantages)
When you use a non-retirement account, you invest post-tax money, meaning that you have already paid taxes on that income and you invest some of what is left over after taxes. Depending on how you invest, you may also be taxed on the interest, dividends, and all other gains along the way. You will also be taxed on any appreciation when you sell your investment.

As compared to a normal investment account, investing through an IRA has three different tax implications:

Traditional IRA – With a traditional IRA, you can deduct the money you invest from that year’s taxes, but you will pay taxes on any withdrawals you make from the account.

  1. Your contributions (i.e., the money you invest) will be tax-deductible.
  2. All gains (i.e., interest, dividends, and capital gains) will not be taxed as long as the money remains in the account.
  3. When you withdraw the funds after age 59 ½, you will pay normal income tax on the amount you withdraw.

Roth IRA – With a Roth IRA, you invest money that you have paid taxes on, but your withdrawals are not taxed.

  1. Your contributions are not tax-deductible.
  2. All gains (i.e., interest, dividends, and capital gains) will not be taxed as long as the money remains in the account.
  3. When you withdraw the funds after age 59 ½, you will not pay income taxes on the amount you withdrawal.

We will discuss when it makes sense to choose one or the other in a following post. For now, all you need to know is the primary difference between the two major types of IRAs.

In addition to the two types of IRAs, you can also open an Individual Retirement Annuity account. In general, those are structured like conventional IRAs, but there are limitations as to who the beneficiaries might be. The premiums have to be flexible in order to allow for lower limits in future years and count toward the IRA contribution limit. In other words, it’s an IRA investing in a specified investment vehicle (annuities), but it has to be in a separate account.

IRA restrictions

Below are a few general limitations. You can get full details, written in clear language, from the IRS website by typing “590-A” in your favorite search engine. Chapter 1 will deal with traditional IRAs and Chapter 2 with Roth IRAs.

1. Not everyone can open an IRA account. In creating IRAs, the government specifically intended them for people who work for a living. Having a job, therefore, is the number one requirement to qualify for an IRA. Very wealthy people or retirees who live off their investments can’t open one. Once you do open an IRA account, you can keep it as long as you live.

2. There are contribution limits. For 2015, your total contributions to all of your traditional and Roth IRAs cannot be more than $5,500 — it’s $6,500 if you are 50 years of age or older — or your taxable compensation for the year, if your compensation was less than this dollar limit. (These amounts change annually, so it’s worthwhile to check the Form 590-A website referred to above.)

  • The IRA contribution limit does not apply to 401(k) rollover contributions and qualified reservist repayments.
  • For married couples, each spouse figures his or her limit separately, using his or her own compensation. This is the rule even in states with community property laws.

3. You can contribute to an IRA even if you contribute to a 401(k) or similar retirement plan at work. However, once your income goes over $60,000 (single) or $96,000 (joint), limitations kick in. The IRS Form 590-A web page spells out the various scenarios clearly with two tables (Table 1-2 and Table 1-3 if you’re looking for them).

If neither you nor your spouse has a work retirement plan, there is no reduction in your contribution limit.

4. There is an annual cut-off date. You can’t make contributions for a given year after April 15 of the following year. You are not obligated to make a contribution every year, but you can never catch up once you have passed the cut-off date.

5. Your IRA can’t invest in things that are under your control, like your business. The restrictions are few — you can, for instance, invest in real estate — but as a general rule, the things you invest in cannot be connected with you (like your home or your business). You also can’t sell property to it or buy property for your personal use.

6. You can’t borrow from your IRA or use it as security for a loan.

7. Your IRA can’t invest in collectibles, with the exception of gold coins minted by the U.S. Treasury.

When you engage in what the IRS calls prohibited transactions, your IRA will be reclassified as a regular account and you will be taxed as if you made a complete withdrawal on the first day of the year.

Where to open an IRA

Because an IRA is technically just another investment account, thousands of institutions that offer investment accounts also offer IRAs. Each has its advantages and disadvantages.

  • Many banks and credit unions offer IRAs, but they may only allow the money to be used for certificates of deposit or money market accounts.
  • Big-name mutual fund companies like Vanguard are great places to open an IRA, but they often require a minimum initial investment of several thousand dollars and provide a limited universe of investment choices.
  • Discount brokerages like Sharebuilder and E*trade allow new investors to begin saving for retirement with no minimums, and they usually have smaller fees or no fees at all.

There is no one right place to open an account. You will need to search for a place that is good for you.

Questions to ask as you research where to open an IRA:

  • Is there a minimum initial investment?
  • What fees are assessed to the account?
  • Does the company offer automatic contributions?
    • What are the limits?
  • What investment options are available?
    • Stocks?
    • Mutual funds?
    • Real estate?
  • Is it possible to download statements automatically into Quicken?

Remember: The perfect is the enemy of the good. It is far better to open a Roth IRA now through any provider than it is to delay because you are worried about finding the very best place. Do your research. When you find a place that meets your requirements, open an IRA. Don’t fuss and fret, worrying about whether or not it really is the best choice. Find a good choice and go with it.

Conclusion

Don’t be afraid of IRAs. With a little homework you can add these valuable accounts to your retirement strategy.


44 comments on “Join the MT Team! We’re Growing Fast and Recruiting Freelance Writers”

Join the MT Team! We’re Growing Fast and Recruiting Freelance Writers

we-are-hiring

Last Updated: 2nd March, 2019

Important Dates:

(1). Expression of Interest

CLOSED (on 22nd February, 2019 12 EST)

(2). Questionnaire Link and Application Screening

– Starts from 1st March, 2019 until 15th March, 2019 (In Progress)

(3). Offers & Job Start Date

– End of March, 2019

Wanna make money online without investment? Then, you have come to the right place !!!

We thank you for your interest in becoming a writer at Millionaire Trek (MT). We will be accepting applications starting from March 2019, so please check back for periodic updates.

We’re recruiting freelance writers.

If you think you have what it takes to join the MT team working in a fast-paced and fun editorial environment to produce professional, well-researched articles you see here each day, read on.

If you enjoy writing for a small business audience — then we want to hear from you!

It’s important to note that MT Staff writers are different from our Guest Writers.

MT Staff writers are those designated with the word “Staff” in their bios. Staff writers:

  • get topics assigned to them;
  • must meet specific word counts, story deadlines, and style guidelines;
  • conduct independent Web research for articles;
  • gather facts and interview sources (if required for a news story).

Candidates should be capable of writing high volume content with fast turnaround speed. Candidates must also be prepared to proofread their own work, provide in-depth writing and provide timely revisions when directed (with a smile).

This is your opportunity to work in a fun yet professional journalistic setting.  You will gain high visibility, and the work is meaningful because you will be reporting on stories of vital importance to the MT community.

MT provides the opportunity to build your professional reputation and your body of work.  Your work has the potential to be seen by an audience of over 1 million people monthly.

We will pay fast, via PayPal — often within hours of receiving an invoice.  This is a freelance position.

Payment is on a per-article basis.  Pay rates depend on

(1) article length and complexity,

(2) your skills and experience, and

(3) quality of work product.

Typically the minimum pay will be in the range of USD 15 – 25 considering the above mentioned factors.

If you’re interested, please comment below and our team will send across a questionnaire link for submission and further consideration.

Few examples of well written posts in different Niches:

Personal FinanceWhat is an IRA and Why you Must Care

Mortgage – Mortgages and Calculator

TechnologyAll about SAP HANA (Infographics)

Travel – Best Tips for Travelling to Atlantis Bahamas in 2019

SEO Increase Adsense Revenue in 2019 by Auto Ads

0 comments on “How to read your Paycheque”

How to read your Paycheque

Paycheque

Before you dive into budgeting, saving, and investing, it’s important to make sure that you know how to read your paycheque. After all, we can only save and invest money that we’ve earned in the first place.

Here, we’ll dig into these key concepts:

  • Gross salary
  • Taxes
  • Deductions
  • Net salary (also known as take-home pay)

Gross Salary

When people talk about their annual salary (e.g., $40,000 per year) or hourly salary ($20 per hour), they are almost always talking about “gross salary”. This is the headline number that appears on your employment contract.

This figure is only a starting point.

Unfortunately, the money that appears in our bank account after each pay day is lower than what our gross salary would suggest. Think of your gross salary as the entire pie. After taking off slices for taxes and deductions (discussed below), the remainder is of the pie is what actually gets deposited into our bank account.

Taxes

It’s morbid but true: ’Tis impossible to be sure of any thing but death and taxes.

When you earn money from your job, your employer will automatically subtract taxes off of your gross salary (boo). Your employer sends this money to the government on your behalf.

The main form of tax taken off from your paycheque is income tax. The amount of income taxes you pay are based on the concept of “tax brackets”. As your income gets higher, the percentage of your income that you pay in tax increases — but only on the extra portion.

Here’s an overview of Canadian income tax brackets:

https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html

Side note #1: It’s a common misconception that you should try to stay below certain income levels, since shifting into a new tax bracket would reduce your overall take-home pay (i.e., higher salary but lower money coming into your bank account at the end of the day). This is absolutely NOT true.

When you move into a higher tax bracket, it’s only the money earned within that new bracket which is taxed a the higher rate, not your entire salary.

However, you may see a higher amount of tax withheld (see below) when you have a big, unusual paycheque (e.g. a bonus), because of the way tax withholding is calculated for paycheques.

Side note #2: The taxes taken off your paycheque are a “withholding” tax, meaning that they are just an estimate of the amount that you should owe. At the end of the year, the actual amount of taxes that you should have paid will be calculated on your tax return. The resulting difference between what you paid and what you should have paid will be settled at that point (either through a tax refund or additional taxes owed).

Keep this in mind if you see something odd happen with your taxes on your paycheque (for example, when you receive a bonus). You will always get “trued-up” at the end of the year.

The bottom line: the higher your income, the more tax you pay. However, making a higher income will always increase the pay that hits your bank account.

Deductions

Depending on what company you work for, you may have other deductions that are taken off of your paycheque. These could include contributions to an employer stock option plan, an employer pension / retirement savings plan, or an employer health plan.

When you were first hired, HR may have given you forms to sign up for an employer retirement savings plan (often known as a “Group RRSP” account in Canada). If you signed up, you’d be contributing a portion of your paycheque towards these savings plans (e.g., contributing 2% of each paycheque towards that account).

These amounts are deducted directly from your paycheque. As such, this money never arrives in your bank account. Instead, it’s held separately in a different account.

Net Salary (Take-Home Pay)

Gross salary is the full pie that we start with. After taking off a slice for taxes, and another slice for deductions, the amount of the pie remaining is what’s known as net pay or take-home pay. This is the amount of money that actually gets deposited into your bank account.

Your take-home pay is the most important number for you to know, since ultimately this is the money that you have control over. This is the money that pays the bills or gets saved for the future.

Knowing the amount of money that you take home each month will serve as a key input for your financial plan.

An Illustrative Example

Let’s take an example from a hypothetical Canadian paycheque:

Paycheque

  • For these two weeks, John earned a gross salary of $1,140 (regular pay plus overtime pay)
  • John paid total taxes of $239.97. This consisted of income tax, employment insurance (EI), and Canada Pension Plan (CPP) payments
  • John also had deductions of $104 for health insurance, registered pension plan, union dues, and Canada savings bonds
  • As a result, John had take-home pay of $796.03 for these two weeks ($1,140 minus taxes of $239.97 and minus deductions of $104)
  • John’s average tax rate was 21% for this paycheque (total taxes of $239.97 divided by gross pay of $1,140)
1 comment on “Increase Adsense Revenue in 2019 by Auto Ads”

Increase Adsense Revenue in 2019 by Auto Ads

Increase Adsense Revenue – Use Google Adsense Auto Ads For Better Placement

Last Updated: 10th February, 2019

Google_Adsense

Google Adsense is considered as one of the best ad programs for publishers. The is a program run by Google in order to increase revenue. This allows publishers in the Google Network of content sites to serve automatic text, image, video, or interactive media advertisements, that are targeted to site content and audience.And now that the inclusion of Google Adsense Auto ads, the placement of the ads has become easier.

Google Adsense Auto Ads – Let Google Decide the Placement

On February 21, 2018, Google Adsense introduced AdSense Auto ads, a powerful new way to place ads on your site. Auto ads use machine learning to make smart placement and monetization decisions on your behalf, saving the time. The new update involves artificial intelligence technology.

Perks of Adsense Auto Ads

Google Auto ads are utilizing artificial intelligence to automatically manage ad placements and ad optimization for the publishers.

The ban has lifted

Before the Auto Ads update came in there was a rule that the website that has less content and more ads on the page was used to get banned. But with this update, now that the Google will decide what ads will be placed where the question of banning the sites is never going to arise.

Optimization

Using machine learning, Auto ads show ads only when they are likely to perform well and provide a good user experience.

Revenue Opportunities

Auto ads will identify any available ad space and place new ads there, potentially increasing your revenue. This is because earlier there was a restriction of placing only 3 ads on the website. And now that the Google’s machine learning technology will be deciding the whole subject matter, the revenue generation is going to be pretty high now.

Easy to use

With Auto ads you only need to place the ad code on your pages once. When you are ready to use new features and ad formats, simply turn them on and off with the flick of a switch. There is no need to change the code again.

Google AdSense offers ads in the following types:

Display Ads

Display Ads are more of banner ads available in various dimensions from the full page leaderboard (728×90) size to a small button (125×125) size.

Text Ads

Text Ads are similar to display ads. It shows text instead of media content. Typically a wide skyscraper (160×600) size ad will be a set of 3 to 4 ads showing each ad in a single unit

Video Ads

These type of ads display rich video content to the audience. With its call-to-action button, the visitor gets redirected to the desired page.

Mobile Ads

Regular display or text ad units will also be displayed in the high-end mobile devices since they have a built-in web browser capable of running JavaScript.

According to Techcrunch, One black hole (and potential pitfall) is the fact that Google’s Auto Ads seems to decide just how many ads it will place on a page, something you would have had more control over without it.

Also, one thing to keep in mind is that, if you have already placed ads on the page, the Adsense Auto will detect these ads and place the remaining ads as per its calculation.

What are the disadvantages of the new update

End of the blame game

Now the publishers have no authority to decide where they want to place the ad. they won’t be able to track the proper revenue details. Usually, an ad gets more clicks if placed n header or in middle of the content. But with the Google’s new algorithm decides to place it somewhere at the bottom, then there are high chances that the ad will not receive any clicks. This will make it clear to the publisher that from where the revenue has become so less.

According to Google, the Auto Ads will eventually increase the revenue of the publisher. But now the publisher himself is not getting the liberty to decide where he wants to place the ad. Therefore, there is going to be a disruption in revenue generation.

Disturbance in page design

This is going to be the most disapproving element for all the publishers. Now that they won’t be able to choose the ad placement, there is going to be a disturbance in the page design. The Google can decide to place the ad anywhere on the page as per the content size, so this will totally disturb the page setting and its look. And there are high chances that the visitor just goes off from the site.

How to use Google AdSense Auto ads:

  1. Sign in to your AdSense account.
  2. In the left navigation panel, visit My ads and select Get Started.
  3. On the “Choose your global settings” page, select the ad formats that you’d like to show and click Save.
  4. On the next page, click Copy code.
  5. Paste the ad code between the < head > and </ head > tags of each page where you want to show Auto ads.
  6. Auto ads will start to appear on your pages in about 10-20 minutes.

So now that you know the positives and negatives of the Auto Ad, what is going to be your next step? Well, to make it more clear, there are more advantages to it than disadvantages. In all of this one thing, you have to make sure that your content has to be of uppermost quality.

Google has over 2 million publisher relationships. In order provide defences against bad actors, it invests heavily in technology which enables them to monitor the clicks and impressions they receive. Also to scan the partners’ sites.

These tools operate at the click, page, site, and account levels, so it can pick up bad content and bad practices (like non-human traffic) at a very granular level.

So now that the Google Adsense Auto Ads have become independent and taking up logical decisions to eliminate the bad actors, the process is going to get streamlined. And most importantly the good ads are going to get justice. With the changing technology, everything changes. But always try to embrace the change and work for the betterment of your business.

List of Google Adsense High CPC Keywords/Niche 2019

Use or create your website on following most expensive and highest paying niches to earn good revenue.

  • Mesothelioma Law Firm ($179)
  • Donate Car to Charity California ($130)
  • Donate Car for Tax Credit ($126.6)
  • Donate Cars in MA ($125)
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  • Hard drive Data Recovery Services ($98.59)
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  • Donating a Car in Maryland ($98.20)
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  • Criminal Defense Attorneys Florida ($98)
  • Best Criminal Lawyers in Arizona ($97.93)
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  • Life Insurance Co Lincoln ($97.07)
  • Holland Michigan College ($95.74)
  • Online Motor Insurance Quotes ($95.73)
  • Online Colleges ($95.65)
  • Paperport Promotional Code ($95.13)
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  • Email Bulk Service ($92.55)
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  • Register Free Domains ($92.03)
  • Better Conference Calls ($91.44)
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  • Mortgage Adviser ($91.29)
  • Car Donate ($88.26)
  • Virtual Data Rooms ($83.18)
  • Online College Course ($78)
  • Automobile Accident Attorney ($76.57)
  • Auto Accident Attorney ($75.64)
  • Car Accident Lawyers ($75.17)
  • Data Recovery Raid ($73.22)
  • Criminal lawyer Miami ($70)
  • Motor Insurance Quotes ($68.61)
  • Personal Injury Lawyers ($66.53)
  • Car Insurance Quotes ($61.03)
  • Asbestos Lung Cancer ($60.96)
  • Injury Lawyers ($60.79)
  • Personal Injury Law Firm ($60.56)
  • Online Criminal Justice Degree ($60.4)
  • Car Insurance Companies ($58.66)
  • Dedicated Hosting, Dedicated Server Hosting ($53)
  • Insurance Companies ($52)
  • Business VOIP Solutions ($51.9)
  • Auto Mobile Insurance Quote ($50)
  • Auto Mobile Shipping Quote ($50)
  • Health Records, Personal Health Record ($40)
  • Online Stock Trading ($35)
  • Forex Trading Platform ($20)