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	<title>Comments for 45 Year Old Millionaire Make Money Online Blog</title>
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	<link>http://www.45-year-old-millionaire.co.uk</link>
	<description>My journey to wealth and riches or an embarrassing site documenting financial failure trying to make money online!</description>
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		<title>Comment on Doubled My AdSense CTR! by Ziv</title>
		<link>http://www.45-year-old-millionaire.co.uk/doubled-my-adsense-ctr.html/comment-page-1#comment-7786</link>
		<dc:creator>Ziv</dc:creator>
		<pubDate>Mon, 08 Mar 2010 06:00:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=8#comment-7786</guid>
		<description>I found that two ad blocks of 120/600 + 160/600 (one after the other) at the left sidebar, with the inner-up post ad block of 250/250 are the best performers. 
It is not only about the CTR - you should look to the CPC. 
Though the 338/250 CTR has high CTR, its CPC is very low as compared to those on the left. 
So, my CTR is not skyrocketing but my the CPC is very very high - So, I my eCPM is over 5.</description>
		<content:encoded><![CDATA[<p>I found that two ad blocks of 120/600 + 160/600 (one after the other) at the left sidebar, with the inner-up post ad block of 250/250 are the best performers.<br />
It is not only about the CTR &#8211; you should look to the CPC.<br />
Though the 338/250 CTR has high CTR, its CPC is very low as compared to those on the left.<br />
So, my CTR is not skyrocketing but my the CPC is very very high &#8211; So, I my eCPM is over 5.</p>
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		<title>Comment on Affiliate Revenue Report $4,883 for January 2010 by Mark</title>
		<link>http://www.45-year-old-millionaire.co.uk/affiliate-revenue-report-4883-for-january-2010.html/comment-page-1#comment-7710</link>
		<dc:creator>Mark</dc:creator>
		<pubDate>Thu, 04 Mar 2010 13:33:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=135#comment-7710</guid>
		<description>Is there any way to earn money online?</description>
		<content:encoded><![CDATA[<p>Is there any way to earn money online?</p>
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		<title>Comment on Affiliate Revenue Report $4,883 for January 2010 by Millionaire Inspiration</title>
		<link>http://www.45-year-old-millionaire.co.uk/affiliate-revenue-report-4883-for-january-2010.html/comment-page-1#comment-7690</link>
		<dc:creator>Millionaire Inspiration</dc:creator>
		<pubDate>Wed, 03 Mar 2010 17:10:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=135#comment-7690</guid>
		<description>Wow.. That&#039;s all I can say.. That&#039;s a great amount of money made by affiliate programs! 

Would you list a couple that you currently use?</description>
		<content:encoded><![CDATA[<p>Wow.. That&#8217;s all I can say.. That&#8217;s a great amount of money made by affiliate programs! </p>
<p>Would you list a couple that you currently use?</p>
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		<title>Comment on Are You an Entrepreneur? by DavidDT</title>
		<link>http://www.45-year-old-millionaire.co.uk/are-you-an-entrepreneur.html/comment-page-1#comment-7633</link>
		<dc:creator>DavidDT</dc:creator>
		<pubDate>Sun, 28 Feb 2010 07:29:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=122#comment-7633</guid>
		<description>David,
that is quite a story, enjoyed reading it, very interesting &quot;intonation&quot;
another 
David :)</description>
		<content:encoded><![CDATA[<p>David,<br />
that is quite a story, enjoyed reading it, very interesting &#8220;intonation&#8221;<br />
another<br />
David <img src='http://www.45-year-old-millionaire.co.uk/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>Comment on Affiliate Revenue Report $4,883 for January 2010 by Mark</title>
		<link>http://www.45-year-old-millionaire.co.uk/affiliate-revenue-report-4883-for-january-2010.html/comment-page-1#comment-7141</link>
		<dc:creator>Mark</dc:creator>
		<pubDate>Tue, 02 Feb 2010 08:14:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=135#comment-7141</guid>
		<description>Winners in life are people who keep trying and exploring and keep their mind open. 

If  Clickbank does not work, perhaps its time or focus or number of ads, maybe it would be better a select few ads in a bigger banner or image?

Or maybe Clickbank is not &#039;the&#039; alternative to Adsense?

I think anyone who finds or develops an alternative to Adsense will make a lot of money.

Its the thing many people are looking for.

Or maybe Adsense at this juncture is the best solution. And if a site can not run Adsense,hmm.

I like the way you quantify your results with accuracy and honesty like a scientist. :)</description>
		<content:encoded><![CDATA[<p>Winners in life are people who keep trying and exploring and keep their mind open. </p>
<p>If  Clickbank does not work, perhaps its time or focus or number of ads, maybe it would be better a select few ads in a bigger banner or image?</p>
<p>Or maybe Clickbank is not &#8216;the&#8217; alternative to Adsense?</p>
<p>I think anyone who finds or develops an alternative to Adsense will make a lot of money.</p>
<p>Its the thing many people are looking for.</p>
<p>Or maybe Adsense at this juncture is the best solution. And if a site can not run Adsense,hmm.</p>
<p>I like the way you quantify your results with accuracy and honesty like a scientist. <img src='http://www.45-year-old-millionaire.co.uk/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>Comment on Affiliate Revenue Report $4,883 for January 2010 by Millionaire Wannabe</title>
		<link>http://www.45-year-old-millionaire.co.uk/affiliate-revenue-report-4883-for-january-2010.html/comment-page-1#comment-7139</link>
		<dc:creator>Millionaire Wannabe</dc:creator>
		<pubDate>Tue, 02 Feb 2010 06:12:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=135#comment-7139</guid>
		<description>Put the wrong AdSense figure in, I used Decembers AdSense earnings of £693.14 instead of January £697.21 ($1,082.29) by mistake.

Since it&#039;s only £4 ($7) not going to bother changing it. Quite surprised how close the earnings are month to month.

David</description>
		<content:encoded><![CDATA[<p>Put the wrong AdSense figure in, I used Decembers AdSense earnings of £693.14 instead of January £697.21 ($1,082.29) by mistake.</p>
<p>Since it&#8217;s only £4 ($7) not going to bother changing it. Quite surprised how close the earnings are month to month.</p>
<p>David</p>
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		<title>Comment on How to Make Money Online by Millionaire Wannabe</title>
		<link>http://www.45-year-old-millionaire.co.uk/how-to-make-money-online.html/comment-page-1#comment-7011</link>
		<dc:creator>Millionaire Wannabe</dc:creator>
		<pubDate>Tue, 19 Jan 2010 23:48:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=12#comment-7011</guid>
		<description>That&#039;s a really good point. I took a look at a course/system called: Social Media Marketing System and wrote about it on another site of mine http://www.morearnings.com/2008/07/22/social-media-marketing-system-social-networking/ (recently updated the short article).

What pulled me into this course was the creator (Brian Campbell) had apparently given someone a big cheque for some reason (forget the details now, but it was another marketeer type person) and to get involved was free, (I never paid a penny) Brian Campbell had a paid version of his Social Media Marketing System, but wasn&#039;t 100% necessary to buy it.

With my SEO skills and network of sites I should have been able to do really well with social networking and working with others.

The system started with signing up for Facebook and inviting everyone and their dog as a friend, (Facebook kept warning me I was asking for too many friends, I&#039;d stop for a while as the system suggested, but the account was banned: probably had a couple of thousand friends) made a few FaceBook groups (one on AdSense and one on SEO and member wise they did OK: 1,000+ members now I think), but despite being willing to work with others nothing happened (I tried).

Basically the creator of the Social Media Marketing System was looking to pull in thousands of newbies and have some of them pay for his membership course, when people paid for the membership course it made it look like his membership course was a success since his revenue went up from people buying the membership course!!

Reality is if you don&#039;t have a product or service of your own to offer you are going to be used by those who do have a product or service to offer. How badly you are used and what you make from it is where it gets interesting. For me with my above experience all I wasted was time, though did learn some new stuff (how to spot more scam like offers), so not that bad I suppose.

I have a BIG problem deliberately ripping people off, if someone offers a good product and only those who work hard can make the product work, fine that&#039;s business. But offering a crap product/service knowing it&#039;s crap just to pull in money goes against everything I believe in (I like money, but not that much)!

I&#039;m thinking about offering my themes for sale via Clickbank, I just made a new WordPress theme that has Clickbank ads instead of AdSense ads and as far as I know there&#039;s nothing else like this available? If there is I bet it&#039;s not as good :-)

If I do manage to set it up as a membership site (offering all my themes for one price) I&#039;m obviously going to benefit more from it than my affiliates, but at least it will be a good product and I&#039;m not looking to rip anyone off. I&#039;ve had people for years asking me to write a Clickbank product they can promote, but I tend to put my time into helping my SEO clients (they do pay me a lot of money :-)) and messing around: I only created the Clickbank theme (it&#039;s running on the site now as a test) because Google pissed me off when they banned a couple of my domains from their program :-)

I&#039;m the first to admit I don&#039;t take making money serious enough!

I&#039;d have never even got into this business if it wasn&#039;t for my back, if I had my way I&#039;d be happily messing around with DNA in a lab now, I wanted to cure something like HIV (actually had a good idea to control secondary infections in full blown AIDS cases). Basically if it&#039;s not an enjoyable challenge, I&#039;m not interested.

David</description>
		<content:encoded><![CDATA[<p>That&#8217;s a really good point. I took a look at a course/system called: Social Media Marketing System and wrote about it on another site of mine http://www.morearnings.com/2008/07/22/social-media-marketing-system-social-networking/ (recently updated the short article).</p>
<p>What pulled me into this course was the creator (Brian Campbell) had apparently given someone a big cheque for some reason (forget the details now, but it was another marketeer type person) and to get involved was free, (I never paid a penny) Brian Campbell had a paid version of his Social Media Marketing System, but wasn&#8217;t 100% necessary to buy it.</p>
<p>With my SEO skills and network of sites I should have been able to do really well with social networking and working with others.</p>
<p>The system started with signing up for Facebook and inviting everyone and their dog as a friend, (Facebook kept warning me I was asking for too many friends, I&#8217;d stop for a while as the system suggested, but the account was banned: probably had a couple of thousand friends) made a few FaceBook groups (one on AdSense and one on SEO and member wise they did OK: 1,000+ members now I think), but despite being willing to work with others nothing happened (I tried).</p>
<p>Basically the creator of the Social Media Marketing System was looking to pull in thousands of newbies and have some of them pay for his membership course, when people paid for the membership course it made it look like his membership course was a success since his revenue went up from people buying the membership course!!</p>
<p>Reality is if you don&#8217;t have a product or service of your own to offer you are going to be used by those who do have a product or service to offer. How badly you are used and what you make from it is where it gets interesting. For me with my above experience all I wasted was time, though did learn some new stuff (how to spot more scam like offers), so not that bad I suppose.</p>
<p>I have a BIG problem deliberately ripping people off, if someone offers a good product and only those who work hard can make the product work, fine that&#8217;s business. But offering a crap product/service knowing it&#8217;s crap just to pull in money goes against everything I believe in (I like money, but not that much)!</p>
<p>I&#8217;m thinking about offering my themes for sale via Clickbank, I just made a new WordPress theme that has Clickbank ads instead of AdSense ads and as far as I know there&#8217;s nothing else like this available? If there is I bet it&#8217;s not as good <img src='http://www.45-year-old-millionaire.co.uk/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
<p>If I do manage to set it up as a membership site (offering all my themes for one price) I&#8217;m obviously going to benefit more from it than my affiliates, but at least it will be a good product and I&#8217;m not looking to rip anyone off. I&#8217;ve had people for years asking me to write a Clickbank product they can promote, but I tend to put my time into helping my SEO clients (they do pay me a lot of money <img src='http://www.45-year-old-millionaire.co.uk/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> ) and messing around: I only created the Clickbank theme (it&#8217;s running on the site now as a test) because Google pissed me off when they banned a couple of my domains from their program <img src='http://www.45-year-old-millionaire.co.uk/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
<p>I&#8217;m the first to admit I don&#8217;t take making money serious enough!</p>
<p>I&#8217;d have never even got into this business if it wasn&#8217;t for my back, if I had my way I&#8217;d be happily messing around with DNA in a lab now, I wanted to cure something like HIV (actually had a good idea to control secondary infections in full blown AIDS cases). Basically if it&#8217;s not an enjoyable challenge, I&#8217;m not interested.</p>
<p>David</p>
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		<title>Comment on Claiming Working Tax Credit Instead of Job Seekers Allowance/Income Support by Millionaire Wannabe</title>
		<link>http://www.45-year-old-millionaire.co.uk/claiming-working-tax-credit-instead-of-job-seekers-allowance-income-support.html/comment-page-1#comment-7006</link>
		<dc:creator>Millionaire Wannabe</dc:creator>
		<pubDate>Tue, 19 Jan 2010 16:27:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=94#comment-7006</guid>
		<description>Good luck with your online business, check out some of my other sites for free SEO information to increase your search engine traffic, in particular these:

http://www.seo-gold.com/seo-tutorial
http://www.google-adsense-templates.co.uk/seo-tutorial-for-wordpress
http://www.seo-consultant-services.co.uk/

Had a quick look at the Working Tax Credits and Child Tax Credits rules at http://www.hmrc.gov.uk/TAXCREDITS/payments-entitlement/entitlement/how-worked-out.htm and the current numbers are:

&lt;blockquote&gt;If you only qualify for Child Tax Credit the income limit is £16,040. If your income is more than this, the child element will be reduced. But your income can be up to £50,000 before the family element is reduced.&lt;/blockquote&gt;

Looks like there&#039;s a lot of scope for claiming even for those earning up to £50K. I think the Conservatives plan to change the rules if they win the elections, so less families can claim.

There&#039;s a calculator at http://www.workingfamilies.org.uk/asp/calculator/

I ran an example through the calculator (couple, one child, no to most questions) earning £13,000 taxable income this/last year and got:

£90.88 a week.

Couple with no children on £13K and it&#039;s £37.57 a week.

Single with no children on £13K and it&#039;s £1.89 a week. Not much, but does entitle a person to free prescriptions etc...

If you are earning around £13K it might still be worthwhile claiming tax credits (no harm trying), especially if you have a partner and/or children (I think I saw kids as old as 20 count?).

The above tax credits calculator is very good, it&#039;s mostly yes/no questions and you can change your answers at the end as many times as you like to see what different circumstances would result in.

David</description>
		<content:encoded><![CDATA[<p>Good luck with your online business, check out some of my other sites for free SEO information to increase your search engine traffic, in particular these:</p>
<p>http://www.seo-gold.com/seo-tutorial<br />
http://www.google-adsense-templates.co.uk/seo-tutorial-for-wordpress<br />
http://www.seo-consultant-services.co.uk/</p>
<p>Had a quick look at the Working Tax Credits and Child Tax Credits rules at http://www.hmrc.gov.uk/TAXCREDITS/payments-entitlement/entitlement/how-worked-out.htm and the current numbers are:</p>
<blockquote><p>If you only qualify for Child Tax Credit the income limit is £16,040. If your income is more than this, the child element will be reduced. But your income can be up to £50,000 before the family element is reduced.</p></blockquote>
<p>Looks like there&#8217;s a lot of scope for claiming even for those earning up to £50K. I think the Conservatives plan to change the rules if they win the elections, so less families can claim.</p>
<p>There&#8217;s a calculator at http://www.workingfamilies.org.uk/asp/calculator/</p>
<p>I ran an example through the calculator (couple, one child, no to most questions) earning £13,000 taxable income this/last year and got:</p>
<p>£90.88 a week.</p>
<p>Couple with no children on £13K and it&#8217;s £37.57 a week.</p>
<p>Single with no children on £13K and it&#8217;s £1.89 a week. Not much, but does entitle a person to free prescriptions etc&#8230;</p>
<p>If you are earning around £13K it might still be worthwhile claiming tax credits (no harm trying), especially if you have a partner and/or children (I think I saw kids as old as 20 count?).</p>
<p>The above tax credits calculator is very good, it&#8217;s mostly yes/no questions and you can change your answers at the end as many times as you like to see what different circumstances would result in.</p>
<p>David</p>
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		<title>Comment on Claiming Working Tax Credit Instead of Job Seekers Allowance/Income Support by Margarita</title>
		<link>http://www.45-year-old-millionaire.co.uk/claiming-working-tax-credit-instead-of-job-seekers-allowance-income-support.html/comment-page-1#comment-7005</link>
		<dc:creator>Margarita</dc:creator>
		<pubDate>Tue, 19 Jan 2010 15:03:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=94#comment-7005</guid>
		<description>Great source of information!!! I am in a similar situation, just being made redundant from my main job, but run my own shop online and textile business. But I am not entitle to any JSA, due to still be self employed, or Tax credit, as my last year earnings were more than £13.000. Funny how this system doesn&#039;t work at all!! That means I won&#039;t have enough money to pay house, bills etc...but earn more than enough to claim any help!! I reminds positive, and lets hope my business takes off.
I will keep reading your great site.
Regards
Marga</description>
		<content:encoded><![CDATA[<p>Great source of information!!! I am in a similar situation, just being made redundant from my main job, but run my own shop online and textile business. But I am not entitle to any JSA, due to still be self employed, or Tax credit, as my last year earnings were more than £13.000. Funny how this system doesn&#8217;t work at all!! That means I won&#8217;t have enough money to pay house, bills etc&#8230;but earn more than enough to claim any help!! I reminds positive, and lets hope my business takes off.<br />
I will keep reading your great site.<br />
Regards<br />
Marga</p>
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		<title>Comment on Claiming Working Tax Credit Instead of Job Seekers Allowance/Income Support by Rozism</title>
		<link>http://www.45-year-old-millionaire.co.uk/claiming-working-tax-credit-instead-of-job-seekers-allowance-income-support.html/comment-page-1#comment-6928</link>
		<dc:creator>Rozism</dc:creator>
		<pubDate>Wed, 13 Jan 2010 17:31:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.45-year-old-millionaire.co.uk/?p=94#comment-6928</guid>
		<description>This is a really useful article, thank you.  I&#039;ve just signed off JSA and in process of trying to claim WTC and HB as a self-employed musician / music teacher, took me months to realise these options, they seem too good to be true.  In the process of setting up my own music websites which still seems daunting but your advice is really helpful.</description>
		<content:encoded><![CDATA[<p>This is a really useful article, thank you.  I&#8217;ve just signed off JSA and in process of trying to claim WTC and HB as a self-employed musician / music teacher, took me months to realise these options, they seem too good to be true.  In the process of setting up my own music websites which still seems daunting but your advice is really helpful.</p>
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