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Google AdSense Forum

    
How's this for an idea?
PFOnline




msg:1391253
 6:09 am on Mar 18, 2005 (gmt 0)

You know what I thought would be a cool idea, if AdSense let you set aside say 10% of your check each month, into like a savings fund, or that invests in the company, or like a retirement fund.

Probably will never happen, but just thought that would be cool.

 

bbkid




msg:1391254
 6:54 am on Mar 18, 2005 (gmt 0)

that could be cool. you could still do this, it just aint so automatic for the moment..

HughMungus




msg:1391255
 7:00 am on Mar 18, 2005 (gmt 0)

What might be cool is a reward for Adsense publishers where you get to use X amount of your earnings to buy Google stock at a discount...I'm sure it would be legally complicated, though...

ryanjensen




msg:1391256
 7:00 am on Mar 18, 2005 (gmt 0)

Why not just do this yourself? I don't get the point of having Google do it for you ...

PFOnline




msg:1391257
 7:02 am on Mar 18, 2005 (gmt 0)

Because I can't save money for the life of me, but would like to... :)

topr8




msg:1391258
 7:53 am on Mar 18, 2005 (gmt 0)

>>>... Because I can't save money for the life of me, but would like to...

well you better learn too! business is not all gravy and good times!

[seriously :) :) ]

nutsandbolts




msg:1391259
 8:40 am on Mar 18, 2005 (gmt 0)

That's quite an interesting idea... Kinda like one of those yankee 401k schemes... I would sign up for sure.

oddsod




msg:1391260
 10:58 am on Mar 18, 2005 (gmt 0)

I wish Google would concentrate on their core business and do that well rather than diversifying even more. Search is screwed up, click fraud is endemic, site jacking is being ignored....

Should Google get into banking? No, thanks.

flobaby




msg:1391261
 12:00 pm on Mar 18, 2005 (gmt 0)

I just wish you could pay for Adwords with it.

PFOnline




msg:1391262
 9:04 pm on Mar 18, 2005 (gmt 0)

That is another great idea, to be able to use some of your adsense credit towards adwords.

PFOnline




msg:1391263
 10:09 pm on Mar 18, 2005 (gmt 0)

Can we get a show of hands to how many would be interested in the savings fund/invest in google/retirement fund idea, and how many would be interested in using some of their adsense credit towards adwords, or both?

Maybe if there's enough interest, Google will implement them.

bbkid




msg:1391264
 4:51 pm on Mar 19, 2005 (gmt 0)

there's a lot of interesting thoughts here. I like the discounted stock one the best.

no9t9




msg:1391265
 6:52 pm on Mar 19, 2005 (gmt 0)

why would I want google to hold my money? It doesn't make sense unless they were offering some kind of matching program similar to 401k's (which they will not do). If it is simply a matter of them holding back a percentage of earnings, that is a bad idea. I'd like my money thank you.

the commment was made earlier, google is not an investment company and they shouldn't try to be. they should stick to what they do best and that is organizing information.

as for the stock option plan.. while this will benefit publishers, it is simply something Google will NEVER do. It will cost them more money! I'd rather they just increase the payout..

oddsod




msg:1391266
 7:11 pm on Mar 19, 2005 (gmt 0)

discounted stock

Er, you guys maybe don't realise that listed companies can't just give stock to anyone they like. And that - despite what you may think - the US government won't accept that thousands of publishers all over the world qualify as Google employees. Stock is out of the question. Forget about it. Even if Google wanted to do it they probably can't.

I don't know what the 401 scheme is and I don't care. Most non-US publishers don't care either. It's probably some sort of pension scheme - the number is suspiciously close to best known scam: the 419 ;) - but why should I trust some company operating under a different country's tax laws to run my pension? That's completely ridiculous and would be incredibly stupid of me. Or did you guys forget that there are countries other than the US of A and that some publishers - gosh! golly! OMG! - live in these other countries? Even if you're proposing that Google offers this only to US residents that's a laugh - the publisher base is so miniscule it just won't be worth their while (even if every US publisher signs up to the scheme/plan).

PFOnline, sorry, there doesn't seem to be a strong show of hands. Hope that Google, if they read this thread, get the message: Keep out of savings/funds/"investing" my money for me.

no9t9




msg:1391267
 9:59 pm on Mar 19, 2005 (gmt 0)

Er, you guys maybe don't realise that listed companies can't just give stock to anyone they like. And that - despite what you may think - the US government won't accept that thousands of publishers all over the world qualify as Google employees. Stock is out of the question. Forget about it. Even if Google wanted to do it they probably can't.

On the contrary, companies can give stock to whoever they choose (notwithstanding foriegn ownership laws, etc.) All they have to do is file with the SEC stating their intended actions. The problem is getting this APPROVED by existing shareholders and board membersa.

Basically, Google would either issue new stock or purchase existing stock to sell in the discount stock program. Both of which will be bad for existing shareholders. In any event, the stock debate should discontinue since it will NEVER happen.

Kinitz




msg:1391268
 1:43 am on Mar 20, 2005 (gmt 0)

It's bad idea IMHO!

Where it will lead to? To Google Bank?

I think that Google should concentrate on streamlining the Direct Transfer to Your Bank procedure, instead of offering financial services.

This direct payment to bank - without checks - enabled just lately - is a true revolution and if it will work fine (it's still in beta), then it will be like heaven on earth.

MovingOnUp




msg:1391269
 2:55 am on Mar 20, 2005 (gmt 0)

I would love to see an option for group health insurance, even if publishers had to pay 100% of the premiums. Individual policies stink and COBRA coverage only last for 18 months. For those of us doing this full time or those who don't have group coverage available elsewhere, this could be a huge benefit that AdSense could provide.

mrowton




msg:1391270
 4:54 pm on Mar 20, 2005 (gmt 0)

I would love to see an option for group health insurance, even if publishers had to pay 100% of the premiums. Individual policies stink and COBRA coverage only last for 18 months. For those of us doing this full time or those who don't have group coverage available elsewhere, this could be a huge benefit that AdSense could provide.

Anyone interested in joining the just made up Google Adsense Publishers Union (GAPU) and getting a corresponding discounted group health plan?

(UAP = made up acronym)

europeforvisitors




msg:1391271
 5:09 pm on Mar 20, 2005 (gmt 0)

I would love to see an option for group health insurance, even if publishers had to pay 100% of the premiums.

AdSense isn't our employer; it's just an ad network that's paying for space on our pages. The relationship is buyer-seller, not employer-employee or even employee-contractor.

(The term "independent contractor" may be in the program policies, but that's only for legal reasons, to make it clear that we're not employees and that Google isn't responsible for payroll taxes and benefits.)

If you were selling ads to Coca-Cola or Hotels.com, would you expect them to offer medical coverage, retirement plans, etc.? Of course not. You supply space, they buy ads. It's the same with AdSense.

incrediBILL




msg:1391272
 7:21 pm on Mar 20, 2005 (gmt 0)


I would love to see an option for group health insurance, even if publishers had to pay 100% of the premiums.

It may not be as bad as you think:

Starting around 2002 self employed health insurance costs are tax deductible at a rate of up to 70%

Consult with an insurance company and your accountant.

ADDENDUM:

Also check out "Association Group Insurance Plans" - in most states you just need to belong to an association to qualify. Maybe someone should get busy and form "The AdSense Publishers Association" :)

MovingOnUp




msg:1391273
 8:30 pm on Mar 20, 2005 (gmt 0)

AdSense isn't our employer; it's just an ad network that's paying for space on our pages. The relationship is buyer-seller, not employer-employee or even employee-contractor.

I realize they're not my employer. That doesn't mean that they can't make group health insurance available. Many groups have options through which members can get health insurance: AARP, AMSA, WGA, etc.

I wouldn't expect Coca-Cola or Hotels.com to offer medical insurance because they work primarily with large companies. I wouldn't expect most affiliate programs to offer medical insurance (except perhaps Amazon.com or Ebay) because they generally don't have enough high-earning individual affiliates to form a large enough group. I wouldn't expect Amazon.com or Ebay to offer medical insurance because they just aren't innovative enough.

Google fits the bills in every way, however. They work with tens of thousands of small publishers, a large number of which are individuals and many of which have left jobs to do this full time. They're innovative enough to do something like this.

There could be some good benefits for Google if they would offer group medical insurance to their publishers:

1) It would meet a need that many of their publishers have.
2) It would help attract new publishers and keep publishers more loyal.
3) It could give them more buying power, which could help reduce their medical insurance costs for their employees (assuming their medical insurance provider considered both their employees and publishers).
4) They would be doing good and not evil.
5) They would be an innovator in their field.

I hope GoogleGuy sees this and passes the suggestion on to the appropriate people. I think this is a doable idea.

europeforvisitors




msg:1391274
 9:38 pm on Mar 20, 2005 (gmt 0)

I can just imagine the PR benefits to Google of having Webmaster World's AdSense forum cluttered with posts like:

"My account has been disabled, and now my family won't have medical coverage."

incrediBILL




msg:1391275
 10:17 pm on Mar 20, 2005 (gmt 0)

Many groups have options through which members can get health insurance: AARP, AMSA, WGA, etc.

I agree with you in concept, but I'd rather see insurance offered via something like the HTML writers guild, or some other 3rd party group or association. I sure wouldn't want to lose my insurance and get drop kicked for "invalid clicks" with no recourse, THAT's Google innovation for you.

sailorjwd




msg:1391276
 11:35 pm on Mar 20, 2005 (gmt 0)

Many states in US have group health insurance for individual schedule 'C' people. I am in Maryland and have group health insurance and pay no more than any other small company. Mine's with Care First - call them.

<added>
You don't need to be a group or belong to a group to have 'group' health insurance. You may have to move to Maryland - you'll like it.

no9t9




msg:1391277
 2:41 am on Mar 21, 2005 (gmt 0)

what about people outside the US? Is google expected to come up with health plans for all countries of the world so they can accomodate all the publishers? Even if they do specifically target only US publishers, WHY would they do it? It will cost them money to manage and setup.

Get real. This is something that will NEVER happen.

incrediBILL




msg:1391278
 2:52 am on Mar 21, 2005 (gmt 0)

There are COUNTRIES outside the US?

Blasphemy...

Ah well, let your individual dictators provide health insurance then :)

oddsod




msg:1391279
 11:21 am on Mar 21, 2005 (gmt 0)

let your individual dictators provide health insurance then

Half the world doesn't know how the other three quarters live.

Here in the UK we don't need health "insurance". We have something called the NHS - universal FREE health care - you may not have heard of it as it doesn't have a US branch. :)

Visit Thailand




msg:1391280
 12:01 pm on Mar 21, 2005 (gmt 0)

Because I can't save money for the life of me, but would like to... :)

PFOnline, if this is true just speak with your bank and get them to transfer X amount each month into a fixed time deposit.

As there are penalties for withdrawing you won't be so tempted.

As someone else mentioned saving is imperative to a succesful business. There are too many surprises (such as SARS, terrorism, war, Tsunami's, currency fluctuations etc. etc.)

I do not want G keeping any of my money, prefer to invest it myself. Whether it is invested in people or financial products make sure it works for you.

Oddsod - The UK may have the NHS but most people in the UK I know still have private health insurance.

nutsandbolts




msg:1391281
 12:15 pm on Mar 21, 2005 (gmt 0)

Here in the UK we don't need health "insurance". We have something called the NHS - universal FREE health care - you may not have heard of it as it doesn't have a US branch

It ain't free. We pay high taxes for that junk service.

Interestingly eBay provide a health scheme for their elite members....

MovingOnUp




msg:1391282
 3:48 pm on Mar 21, 2005 (gmt 0)

what about people outside the US? Is google expected to come up with health plans for all countries of the world so they can accomodate all the publishers? Even if they do specifically target only US publishers, WHY would they do it? It will cost them money to manage and setup.

I realize that health insurance isn't really an issue for most people outside of the US. In some countries, medical treatment is much more affordable (although often not very advanced). In others, the government provides healthcare (although you pay through the nose for it through taxes and the wait can be very long). I don't like what we have here in the US, but I don't think I like either of those other choices any better.

I read an article [abcnews.go.com] yesterday about Canada's national health insurance. The average Canadian pays 48% of their income in taxes. 40% of the national budget goes toward health care and that's expected to rise to 85% by 2035. The wait is three months for an EKG. People who can afford to often go to the US or to private clinics and pay for medical care.

Here in the US, if I take one of the kids to a routine doctor's appointment and I don't have insurance, it's $250. If I do have insurance, I pay $25 and the insurance company pays $75. The doctor writes off $150. If I have a major medical emergency, it might cost $100,000 (or more). With insurance, I might pay $2,000 to $5,000, the insurance company would pay $20,000 to $40,000, and the doctor and hospital would write off the rest. Because of this pricing disparity, it really doesn't make sense not to have insurance.

If I go out and buy individual insurance, it might cost $500 per month to get a policy where I pay $50 for office visits and a maximum of $5000 for major expenses. The policy wouldn't cover routine childbirth (which can cost $10,000 and up), routine well-care, and only a small discount on prescriptions. A large company, on the other hand, could negotiate a group rate of about the same amount with $20 office visits and $2000 maximum out of pocket with coverage for childbirth, well-care, and $10 prescriptions. For an individual to try to buy a comparable package, it would probably cost at least twice as much, if they could get it at all.

Interestingly eBay provide a health scheme for their elite members....

Could you provide a link or more information? I would be willing to invest time and effort promoting a company that offers something like this.

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