Friday, August 21, 2009

Making Money Online with Google Adsense

Website owners are continually on the lookout for ideas to assist pay the expense of their website. One widespread technique is to make use of Google AdSense. Website owners apply for an account that authorizes them to add text, or image advertisements to their sites. When a visitor comes to the website and clicks on one of the Google Adsense ads, the account earns money. Hence, pay-per-click is one method to produce money with Google AdSense.

Great content is important for the site owner who hopes to make money on the Internet with Google AdSense. The better the content, the more users a site generates, as a result the AdSense advertiser pays more.

SEO or search engine optimization is an important factor if a website owner hopes to make money with AdSense. Search engines like excellent quality content; appropriate content produces a higher place on the search engine return page. Organic or algorithmic SEOs compose content that engages both user and search engine spiders. In turn, this makes the site more appealing to AdSense customers.

Growing the visitors to your site enhances the probability that you will generate money online with Google AdSense. Use social media tools such as Facebook to drive users to your site. Do not be scared to post about your own business! Sign up for forums that are related to your business. Link to your site in your signature line; this will demonstrate every time you write a forum post.

Consider blogging. An additional way to make money with Google AdSense is to associate the content of your website with the content on your blog and publish advertisements on both. It is influential to connect with other bloggers — the leapfrog effect (clicking on a link on one blog to read something on a different blog) can drive additional users to your site.

It can be simple to earn money with Google AdSense but a site owner has to be inclined to carry through a determined, consistent effort.

You can create your own website and start earning money online fast!

Monday, August 3, 2009

5 things you must know before investing in FDs

A fixed deposit (FD) probably ranks as the most conventional investment avenue for domestic investors. More importantly, given its offering, it makes an apt choice for risk-averse investors. In this article, we present 5 things investors must look at in an FD.

  1. Credit profile :
    The FD’s credit profile is an indicator of the degree of risk associated with it in terms of timely repayment of the principal and interest payment. For example, an ‘AAA/FAAA’ rating is indicative of the highest level of safety. Typically, an FD with a higher rating would offer lower returns vis-à-vis an FD with a lower rating. The additional return in a lower rated FD is in effect a compensation for the higher risk borne. Investors would do well to decide on the quantum of risk they are willing to bear and then select an FD.
  2. Rate of return :
    Rate of return or interest rate indicates the return that the FD investor will clock. At any point in time, it is not uncommon to find various entities like banks, small savings schemes and corporates offering differential returns on similar rated FDs. Investors on their part would do well to scout various options and select the FD that offers them the best return at a rating that suits them.
  3. Interest payout options :
    Investors can generally choose between various interest payout options like monthly, quarterly, annually or on maturity. Ideally, the investor’s need for liquidity should be used to determine which interest payout option is chosen. Selecting the interest payout ‘on maturity’ option can help investors benefit from the compounding effect and clock a higher return.
  4. Tenure :
    The FD’s tenure is the period over which the investor stays invested. By and large, a longer tenure translates into a higher rate of return. Investors must match their investment tenure with their needs/objectives. For example, if the investor has an expense to meet 3 years hence, he can invest an appropriate amount in a 3-year FD to ensure that the maturity proceeds match his future obligation. On the same lines, if there is a 5-Yr investment tenure, then investments can be considered in tax-saving FDs; this will help the investor simultaneously benefit from tax sops under Section 80C.
  5. Premature withdrawal :
    An often-ignored aspect of FD investing is the premature withdrawal clause. Investors opting for a premature withdrawal can be penalised by either being given a lower rate of return or zero interest depending on the terms and conditions of the FD. Investors would do well to acquaint themselves with the implications of a premature withdrawal before making an investment.