If You Have Adsense You Need A Privacy Policy

At the end of February Google changed it’s Terms of Service. Now every adsense publisher must have a privacy policy.
Here is an excerpt from the new terms and conditions.

You must have and abide by an appropriate privacy policy that clearly discloses that third parties may be placing and reading cookies on your users’ browser, or using web beacons to collect information, in the course of ads being served on your website. Your privacy policy should also include information about user options for cookie management.

So I have been spending this evening updating all my sites. I would have been at a loss to write a privacy policy for myself, especially if I had to talk about “web beacons”. But thankfully there are helpful bloggers out in the blogosphere.

Jennifer Slegg of Jensense.com has written an Adsense friendly privacy policy sample and she is graciously sharing it with others. All you need to do is insert your site’s url and you are ready to go. Do you have a privacy policy. Do you think it is OK for Google to require all its publishers to have a privacy policy?

Help with IRS Tax Debt

Are you in debt to the IRS, maybe even behind in your tax payments? Afraid the IRS might put a Tax Lien on your home or other property?
It is important to stay on the good side of the IRS, but it can be scary to go it alone. Doing your taxes yourself is one thing, but when it comes to IRS tax debt it is a good idea to deal with a professional. With a qualified tax professinal you won’t even need to talk to the IRS, it will all be handled for you. ReduceIRSTaxDebt.com is your one-stop online trusted resource for IRS tax resolution.

It Was Just One Of Those Days

Have you ever had a day where NOTHING goes right? You start to wonder why you got out of bed at all, and can’t wait for the day to end. Yesterday was one of those days for me.

It started out OK, it was going to be a “kitchen” day. That is when I spend most of the day in the kitchen making bread, granola, and yogurt and whatever else I am going to need for the week ahead. I like to make all of those from scratch because I save a ton of money and I know what is in my food. Plus when I make my own yogurt I am not adding to the tons of little plastic cups sitting in landfills. And of course it all tastes better!

So yesterday I get the bread going in the breadmaker. (I love my breadmaker!) Don’t need to make granola, so I get started on the yogurt. Yogurt is super easy to make. In fact, if all had gone according to plan, I was going to write about making homemade yogurt yesterday.

So I leave the bread rising and the yogurt ah…yogurting and go to work on my business and money forum I have for another one of my sites.

All is going well, until suddenly the forum can’t connect with the database. I have just spent the past few days heavily promoting the forum, and it is getting some traffic, and now no one can connect. ARG! As of right now it is still down. I have a support ticket into my host, hopefully they can help.

When I finally give up on that I hear the breadmaker telling me my bread is done.  But apparently, while I was working on my forum, my bread was not doing its job and rising! I don’t have bread, I have a dense lump of hardened yuck! Well it is edible, but not what I was expecting. I’ll tell the hubby it is a new recipe for some peasant bread and he will eat it.

I check on the yogurt, and it is not yogurt. It is still warm milk. While I was fighting with my forum my yogurt was not yogurting. Well, after 5 hours of sitting at perfect bacteria growing temperature there is nothing to do with that except throw it out.  At least I was only making a small batch.

After my dismal failure in the kitchen it just didn’t seem right to write a post on how easy it is to make your own yogurt. Besides, I didn’t want anything to happen to this site! Yesterday just seemed jinxed. So instead of staying true to my 30 day blogging challenge I went to bed.

Hopefully today is a better day.

When Ethics and Integrity Get in the Way of Making Money

My Daddy once said to me, the only thing you have, that no one can ever take away from you, is your integrity. You can only give it away.  Everything else you have, even your life, can be taken away.   So never, ever, give away your integrity. It can be hard to get back.

I have been seeing a new “make money on the internet” widget popping up on blogs everywhere.  It is a simple concept.  You buy a widget.  You put it on your blog.  When other people buy the widget, you make money. How much money you make depends on how much you paid for your widget.  It sounds simple. It will work, at least in the beginning, and the company that came up with the idea is probably making a killing.

So what’s the problem?

It is just another  pyramid scheme, or ponzi scheme, with a Web 2.0 flair.

There is no real product being sold, no value being given.  Not even a poorly written e-book.  Just the promise of getting money without doing any real work.

The following is a quote from Wikipedia on pyramid schemes.

The essential idea behind each scam is that the individual makes only one payment, but is promised to somehow receive exponential benefits from other people as a reward. A common example might be an offer that, for a fee, allows the victim to sell the same offer to other people, or receive bonuses through other people they refer. Each sale includes a fee to the original seller.

Clearly, the flaw is that there is no end benefit; the money simply travels up the chain, and only the originator (or at best a very few) wins in swindling his followers. Of course, the people in the worst situation are the ones at the bottom of the pyramid: those who subscribed to the plan, but were not able to recruit any followers themselves.

The internet is huge, and it may very well be awhile before this particular scam hits the bottom and people are no longer able to make money. And that is where the ethics and integrity part comes in.

People who get into this right now will probably make a good deal of money. Many people don’t care that it is a scam, and that eventually, some people will get burned.  I have to admit that I had a little bit of temptation to go for this myself.  After all, it is the people who get in early that make the big bucks.  And with the vast market of the internet, it could be a long time before the market saturates and people start losing money.



And I can’t be knowingly responsible, not even distantly, for someone losing money to a scam.


Now I know probably most of the people who have this widget don’t know that it is a scam. At first glance it does look like a really good idea.  So how can you tell if something is a scam, or a valid money making opportunity.

It is simple, you just have to ask yourself one question.


Can I make money selling this product, without having to recruit anyone else into selling the product? 


If the answer is yes, then you have a real product and a real opportunity. (It might not be a great or even good opportunity, but it is a real opportunity.)  If the answer is no, you have a Ponzi scheme.


I’m not going to tell you the name of the widget.  There are plenty of people out there who don’t care that people will lose money, and I don’t want to help them find a new way to scam people.


However, if you have such a widget on your website, do the right thing and take it off.  You may lose some money in the short run, but in the long term, you  keep your integrity, and that is worth more than any money you could earn.


Please feel free to share this information with others. I would appreciate credit and a link back. Thanks.


Save Money on Gasoline

I work from home and consequently, I don’t do much driving.  I only need to buy gas for my car a few times a month.  And every time I buy gas I get a new case of sticker shock!  On our recent trip (in the motorhome no less) we found gasoline as high as $3.90 per gallon.

There are all sorts of tips out there on how to save gas, some are a little crazy. (Like not braking for corners so you don’t lose any speed or momentum)  To find tips that actually work, it is best to go straight to the experts.  So here are some real gas saving tips from someone who knows what they are talking about.

I don’t know what you guys are paying for gasoline…. but here in California we are also paying higher, up to $3.50 per gallon. But my line of work is in petroleum for about 31 years now, so here are some tricks to get more of your money’s worth for every gallon..


Here at the Kinder Morgan Pipeline where I work in San Jose , CA we deliver about 4 million gallons in a 24-hour period thru the pipeline. One day is diesel the next day is jet fuel, and gasoline, regular and premium grades. We have 34-storage tanks here with a total capacity of 16,800,000 gallons.

Only buy or fill up your car or truck in the early morning when the ground temperature is still cold. Remember that all service stations have their storage tanks buried below ground. The colder the ground the more dense the gasoline, when it gets warmer gasoline expands, so buying in the afternoon or in the evening….your gallon is not exactly a gallon. In the petroleum business, the specific gravity and the temperature of the gasoline, diesel and jet fuel, ethanol and other petroleum products plays an important role. A 1-degree rise in temperature is a big deal for this business. But the service stations do not have temperature compensation at the pumps.

When you’re filling up do not squeeze the trigger of the nozzle to a fast mode. If you look you will see that the trigger has three (3) stages: low, middle, and high. In slow mode you should be pumping on low speed, thereby minimizing the vapors that are created while you are pumping. All hoses at the pump have a vapor return. If you are pumping on the fast rate, some of the liquid that goes to your tank becomes vapor. Those vapors are being sucked up and back into the underground storage tank so you’re getting less worth for your money.

One of the most important tips is to fill up when your gas tank is HALF FULL or HALF EMPTY. The reason for this is, the more gas you have in your tank the less air occupying its empty space. Gasoline evaporates faster than you can imagine. Gasoline storage tanks have an internal floating roof. This roof serves as zero clearance between the gas and the atmosphere, so it minimizes the evaporation.

Unlike service stations, here where I work, every truck that we load is temperature compensated so that every gallon is actually the exact amount.

Another reminder, if there is a gasoline truck pumping into the storage tanks when you stop to buy gas, DO NOT fill up–most likely the gasoline is being stirred up as the gas is being delivered, and you might pick up some of the dirt that normally settles on the bottom.

Hope this will help you get the most value for your money.