Basically, Chitika will only show the adverts on your site to visitors who enter you site via the search engines and also if they started that search from America or Canada. If this describes you, read on.

As a publisher, there are a few types of adverts for your to choose from but the easiest to get you started are the Chitika Premium Ads. This type of advert pays you for every click that is registered on the advert and encourages this with small pictures placed next to the link to make it more appealing (unlike Google Adsense).

There are a number of ad sizes to choose from, so have a look through them and choose whichever one best fits your site. The color of the font and the font type itself can also be customized.

Have a look at my other site, http://thegadgetmonster.com and if you’re viewing the site from America or Canada it should appear.

If it doesn’t appear for some reason or if you’re viewing the site from another country, type this into the address bar instead: http://thegadgetmonster.com#chitikatest=mortgage then press ctrl + f5 to refresh the page. It will show you a preview of what the advert would look like if my site was about ‘mortgages’ or if someone was searching ‘mortgages’ on the plugin.

I’ve only just installed it, but it looks promising as another way to make money online, on top of that I have Adsense placed in strategic positions on that site as well. Gadgets are highly advertised online so I should get some targeted adverts for my viewers to click on.

I’ll let you know how it goes,

-William Lee

All of us have personal goals. You reading this now has some sort of goal that you’re trying to achieve right?

Putting a goal/ target for your readers to see also has the added benefit of getting in touch with them. People can relate to you better if they know you are aiming for something not too dissimilar with what they are aiming for.

And let’s face the facts, money is a target for almost every single one of us out there, regardless of what some may want us to believe.

So why RM75,000? Well it’s the money I need to make so that my dad can retire at 60 rather than 65 years old.

What is RM75,00 equal to? It sounds like quite a lot right? Well in Malaysia, it IS a lot. But here’s what it breaks down to in other currencies (approximations – Feb 2009 exchange rates):

Pounds = 14,545 (1212 Pounds/month)

Euros = 16,238 (1353 Euros/month)

USD = 20,500 (1708 USD/month)

= (56 USD/day)

= (2 sales/day of USD30 comission/sale)

= (a reasonable target)

AUD = 32,468 (2705 AUD/month)

RM = 75,000 (6250 RM/month)

So you see how the weakness of my currency and I’m sure alot of other currencies out there is actually an advantage to Internet marketers?

Some of the values above are probably at, or below the ‘cost of living’ numbers for those respective countries. So where I would be struggling to survive if I made that much money online, in Malaysia I would be doing extremely well.

Breaking things down like this makes what started out as a gargantuan task a lot more manageable.

So what is your target? Break it down into something which seems easier to achieve rather than target a ball park figure.

Wish me luck,

I wish you luck too,

-William Lee

For a typical blogger or website owner, we make money when someone clicks on one of the Google Ads on our site, or per 1000 impressions of the Adsense links. For most of us, we already know how hard it is to get people to click on these links and even if they do, sometimes the chosen ads are low paying ones because of the keywords used on our page.

So to help maximize profits, here is a list of 101 high paying Google Adsense words you can try and use to target the keywords in your content to. It is assuming that as the website owner, you will receive roughly 50% of the total cost per click that Google charges its advertisers, but you should check this with Google to find out the actual value (if they’ll tell you).

1. adwords – $9.41
2. available domain name – $12.97
3. addwords – $10.92
4. adwords campaign – $14.63
5. adsense – $12.43
6. buy domains – $8.84
7. buy domain name – $17.10
8. bachelor degree on line – $14.36
9. best webhost – $8.68
10. bulk email marketing – $11.77
11. bankruptcy – $5.72
12. cheap domain name – $9.16
13. car insurance – $22.89
14. credit cards – $10.93
15. crm software – $15.96
16. car loans – $11.79
17. construction estimating software – $5.80
18. domain names – $17.57
19. debt – $13.18
20. degree education on line – $12.44
21. dell computer – $5.79
22. degree – $6.37
23. debt management – $7.15
24. database software – $3.13
25. email marketing – $13.24
26. ecommerce hosting – $11.81
27. education degree online – $14.69
28. earn money online – $3.04
29. free domain name registration – $5.81
30. free credit report – $9.57
31. flowers – $4.83
32. financing – $4.50
33. gas prices compare – $6.19
34. google news – $2.07
35. graphic design degree – $12.58
36. graduate degree program – $7.93
37. hosting providers – $14.25
38. how to get a web site – $5.83
39. hp computer – $7.52
40. interest credit – $15.53
41. insurances – $17.67
42. interior design degree – $14.17
43. java software – $1.69
44. keyword tracking – $4.37
45. knee support – $1.57
46. life experience degree – $8.36
47. lung cancer treatment – $6.10
48. loans – $9.86
49. merchant account – $10.55
50. microsoft certification – $4.88
51. mba degree online – $15.78
52. master degree on line – $11.51
53. marketing software – $8.28
54. network monitoring software – $11.45
55. nursing degree – $8.81
56. norton anti virus software – $4.01
57. Norton virus protection – $3.85
58. online accounting degree – $27.50
59. online paralegal degree – $19.45
60. online degree – $13.74
61. online psychology degree – $20.78
62. online college degree – $14.10
63. payroll software – $7.95
64. pay per click – $8.18
65. personal domain name – $10.26
66. project management software – $10.80
67. quicken – $3.46
68. quick money – $3.32
69. register domain – $9.03
70. register domain name – $8.31
71. register a website – $10.47
72. register url – $8.69
73. student credit card – $10.54
74. survey software – $9.51
75. scheduling software – $7.60
76. shopping cart software – $5.23
77. travel insurance – $6.76
78. tax software – $6.89
79. teaching degree – $12.72
80. turbo tax – $5.47
81. University Degrees Online – $10.98
82. unlimited web hosting – $8.31
83. university degrees – $5.68
84. undergraduate degree – $4.71
85. voip phone system – $9.57
86. visa credit card – $11.83
87. voip billing software – $8.21
88. virus protection – $5.58
89. website domain names – $12.65
90. web domain name – $10.62
91. web host rating – $9.75
92. web site register – $13.04
93. web hosting – $13.03
94. web design software – $2.57
95. web space provider – $6.62
96. yahoo domain – $7.70
97. yellow page advertising – $6.56
98. yahoo domain name – $9.00
99. your site – $2.57
100. zire pda – $2.16
101. zenith television – $1.55

NB: The dollar values were correct at time of publication; please recheck keywords using Google’s Keyword Tool for the most up to date values.

But people must keep in mind that for most things in life, there are its pros and cons. Before you jump on the corporate banking business loan bandwagon, take a while to consider your options and make an informed decision.

The Advantages

Convenience and multiple loan options – Besides a standard business loan, banks can provide a selection of loan choices for you to consider. Even non-commercial loans that are able to be used for business purposes including personal and home-equity. What’s more is that there’s probably a commercial bank no more than 10 minutes from your house.

The bank has little to no control over how you spend the money – If the bank reviews your business plan and approves the loan to you, the money is essentially yours to do with as you wish. Since you are already in agreement with the bank on the interest rate for them to earn from you, they have little to no say what you do with the money. If you decide to use it all to travel the world instead of starting a business, well that’s your choice (although not a very good one).

This is a non profit sharing arrangement – Unlike business partners, venture capitalist funds or any other sources of capital, the bank is not entitled to any of your profits. Besides repayment of the loan plus interest, you do not need to split your profits between any other investors.

Interest rates may be low – The interest rates the bank can offer may be lower than other sources of financing such as credit cards and finance companies. Although not as low as borrowing from friends and family of course.

Commercial loans payments are often tax-deductible – You will need to check with your local tax department, but you may be able to get tax deductions related to the interest payments you are making on your business loan.

The Disadvantages

It may be hard to get a loan – Banks will probably require you to show them your business plan and convince them that your business has a chance of making a profit. If they don’t believe in your product/ service they could easily refuse you the loan. This is to ensure that when they loan out money, they are sure to get it back. Also, standard business loans are often limited to pre-existing businesses that have a financial history of success.

Application for a loan can be lengthy – Bank loans may require more information and a longer review process compared to other types of sources.

Collateral is usually required – A commercial institute usually requires collateral on the business loan, although this would probably not be required from other types of lenders. This may be quite risky if the collateral that you have to put up is your house or other family possessions.

You may not get all you ask for – Unlike a housing loan, which barely needs any persuasion to qualify for, you may not be able to get 80-100% funding for your business. The return on housing loans is so much better for banks that for a business loan, unless it’s quite small, you may only receive 75% of what you ask for. This varies from bank to bank.

So weigh your options before taking a corporate loan from a financial institution such as a bank, it may actually be better for you to find other sources of funding. Friends and family are always a good place to start. Just consider the pros and cons as laid out above and it will help you to come to an informed decision.

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