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This 36 message thread spans 2 pages: 36 ( [1] 2 > >     
AdSense and cost of living
HuskyPup




msg:3493968
 7:43 pm on Nov 1, 2007 (gmt 0)

I was thinking when naitsirhc26 posted about AdSense targets, just how much does a full-time AdSense publisher need to earn to live "sensibly" well in your part of Googletopia world?

Please don't post about putting all one's eggs in one basket:-)

In my area of the East Midlands in the UK anything less than USD 100.00 per day would be unsustainable and realistically needs to be USD 200.00 per day, USD 300.00 per day and one would be a reasonbly good earner.

Incidentally, I expect the London AdSensers may be posting {{{BIG FAT}}} figures to prove just how impoverished us northerners are! And yes, we're still in the north despite what was recently published.

Therefore in your Googletopia world how much would you need to earn, then we can maybe decide where Googletopia is actually going to be situated:-))

 

chocorol




msg:3493984
 8:03 pm on Nov 1, 2007 (gmt 0)

Well, here in Mexico the cost of living is low compared with countries like the UK or anywhere in Western Europe.

With US$1,000/month you would be earning enough to live somewhat comfortable and without hunger and even with some little pleasures.

Now, if you earn something between US$2,000 and US$4,000 you could afford a pretty nice living style and don't worry about anything else.

It's possible to rent a nice and big department for $700/month (or a smaller one for $350). A meal in Burguer King costs about $5, but you can get good food for as low as $2.50 in mom & pop restaurants.

A 1Mb ADSL connection costs less than $40/month without bandwidth limits.

Don't know what other costs to mention, but you can get an idea of what's the average cost of living here.

HarryM




msg:3494014
 8:27 pm on Nov 1, 2007 (gmt 0)

Utopia, you said USD 100.00 per day would be unsustainable, but that's not far short on the UK's average income which is about USD 115.00 at current exchange rates.

However having said that, I live in Cornwall and would agree with your figures.

naitsirhc26




msg:3494051
 9:19 pm on Nov 1, 2007 (gmt 0)

Being in Northern California, our biggest cost is probably housing and land.

I would have to say that if you were living by yourself, you would want to make $100-150 and up.

Bring in the big picture of spouses, kids, animals, etc...you better add some more to that total. ; )

I don't know exact costs of living though yet, as I still haven't "flown the coop" yet. Not yet old enough to be out on my own.

naitsirhc26




msg:3494057
 9:22 pm on Nov 1, 2007 (gmt 0)

Being in Northern California, our biggest cost is probably housing and land.

I would have to say that if you were living by yourself, you would want to make $100-150 and up.

Bring in the big picture of spouses, kids, animals, etc...you better add some more to that total. ; )

I don't know exact costs of living though yet, as I still haven't "flown the coop" yet. Not yet old enough to be out on my own.

ronin




msg:3494190
 12:09 am on Nov 2, 2007 (gmt 0)

In my area of the East Midlands in the UK anything less than USD 100.00 per day would be unsustainable and realistically needs to be USD 200.00 per day

Huskypup> One needs a pre-tax salary of £36,500 to realistically live in the East Midlands?!

That sounds like a colossal exaggeration, though I'm willing to be set straight if I am completely out of touch with the cost of living in Corby or Kettering.

I would think in London you can get by now on £20,000. (To back that up: my first postgrad job here in 2000 paid £15,000 and one of my university colleagues started her job in 2001 on £14,000. In 2003, I had a particularly frugal year in London on about £7000 - though that was when I was starting a business on zero investment and I would never do it again voluntarily).

I'm not saying there aren't enormous numbers of people in London living on far less than £20,000 per annum, but I'll stick with that figure as it gives a minimum amount of comfort and removes the permanent terror of wondering how you're going to pay this month's bills without finding another way to borrow some short-term credit.

So, I would estimate for London minimum earnings would have to be $110 per day.

farmboy




msg:3494214
 1:04 am on Nov 2, 2007 (gmt 0)

Here in the U.S. it's important to note whether you're speaking of pre-tax or post-tax earnings.

Once federal income tax, self-employment tax and state income tax are considered, a $100,000 income means you'll have about $50,000 left after the tax man cometh.

Update: I wonder how long it will be before county property tax collectors in the U.S. start putting a value on websites and charging property tax accordingly?

FarmBoy

celgins




msg:3494229
 1:29 am on Nov 2, 2007 (gmt 0)

I wonder how long it will be before county property tax collectors in the U.S. start putting a value on websites and charging property tax accordingly?

They wouldn't have the backing to try it. Not unless they could justify charging property taxes on a website that sits on a server in a county other than their own! :)

But here in the U.S., Farmboy is right. After several tax deductions, $100/day would be a lot less. However, I think $200/day is a good start (and even that depends on what part of the U.S. you live in).

jhood




msg:3494332
 4:23 am on Nov 2, 2007 (gmt 0)

Farmboy, counties can already tax any computer hardware, including Internet servers. They can also tax your desk, big-screen monitor, etc. but there is not a property tax on the equity value of a business.

However, nearly all cities and counties have numerous business taxes, many of them quite outrageous. One county I am all too familiar with hits "communications" businesses with a 1% tax on the gross -- that's gross -- receipts.

Thus, if you do $1 million a year on AdSense (hey, it's just an example), the county wants $10,000. Now you may say this doesn't apply to you, they won't find you, etc., etc., but those of us who posted our outrageously advanced ages in a previous thread have been through this a time or two.

They will eventually find you and will want ounces of flesh back to your crib days. Thus, everyone should immediately find a low-tax corporate domicile and incorporate there.

(Note that this may help assuage the pain of plummeting Adsense revenues. At least your taxes won't be as high.)

Usual disclaimers: Yes, I know Congress has exempted Internet businesses from sales tax but that is something completely different. Also, I am not a lawyer, accountant or proctologist and this is not legal, tax, business, medical or astological advice. Also, it's off-topic. So sue me already. Everybody else has, why shouldn't you?

Green_Grass




msg:3494372
 6:03 am on Nov 2, 2007 (gmt 0)

In India.. USD 50 a day can lead to a good life..

USD 100 a day, is a life of decent luxury..

USD 200 a day.. Luxury...

USD 300 a day.. WOW!

Khensu




msg:3494385
 6:30 am on Nov 2, 2007 (gmt 0)

proctologist?

jhood, I see you live in DC i guess that where most of the proctologists live in the US.

I live in the mountains of AZ.

I could live on $200 but $1,200 gets all the little nice things in life.

Would be cheaper if all the Californicators hadn't come here and drove all the house prices up. I think if you mess up one state you should be obligated to stay there and not be able to go to the neighboring ones and mess them up too.

vivalasvegas




msg:3494454
 9:42 am on Nov 2, 2007 (gmt 0)

I'm in Romania and $50 a day after taxes will provide an above average life. Of course some items most of us want cost aprox. the same no matter where you live (cars for example). So if you want a Mercedes you need much more than that.

OnlyToday




msg:3494458
 9:53 am on Nov 2, 2007 (gmt 0)

I think if you mess up one state you should be obligated to stay there and not be able to go to the neighboring ones and mess them up too.
He wants to turn the US into Europe...
HowYesNo




msg:3494502
 11:32 am on Nov 2, 2007 (gmt 0)

in serbia for 20$/day you can live good ;)

mattg3




msg:3494580
 1:09 pm on Nov 2, 2007 (gmt 0)

UK wouldn't start taking adsense serious below $300 a day sustained for a year .. giving its self employed.

Given the insecurities of adsense and Google traffic make that $1000 a day.. if it is to be the only income source.

Once I made $500 a day but these days are long gone .. *sniff*

HuskyPup




msg:3494591
 1:22 pm on Nov 2, 2007 (gmt 0)

Huskypup> One needs a pre-tax salary of £36,500 to realistically live in the East Midlands?!

I wrote USD 100 per day, that at the current rate of 2.08 is £17,548.00 pre tax.

I would think in London you can get by now on £20,000.

I do not know kind of life style you have however I bet there are not many who could:-) I know people on STG +40,000.00 who qualify for working families tax credits.

Where I live it is impossible to buy an apartment let alone a house for less than USD 200,000.00 and the average UK national house price is just over USD 400,000.00 with London considerably higher at about USD 600,000.00 I believe I read recently.

To buy a USD 400,000.00 house with a mortgage multiplier of 5X earnings you would need to earn USD 80,000.00 p.a. and for 3X earnings USD 133,333.00 p.a. which is why I quoted that realistically one would need to earn USD 300.00 per day...every day!

Just a regular small house to rent in my area is upwards of USD 1,000.00 per month and I can assure you that I do not live in the most expensve area, Corby/Lincoln/Nottingham are much more expensive.

I know a lot of people who are paying in excess of USD 2,000.00 per month mortgage for standard 3 bedroom houses, UK property prices are, quite simply, horrendously expensive.

vincevincevince




msg:3494593
 1:28 pm on Nov 2, 2007 (gmt 0)

Here in Malaysia, you can survive on RM1500 a month (GBP215, USD449). Poverty line in the capital is officially those under RM900, if that gives you a guide.

To live a reasonable lifestyle, you need RM3000 a month (GBP430, USD898).

If you're an expatriate and like the finer things in life then your Googletopia will cost you about RM6000 a month (GBP860, USD1796).

Those figures are for the capital; you can reduce them 25% if you live elsewhere, in general. Good quality of life if you have a good income! So, fellow future Googletopians, let me know when you land in Kuala Lumpur...

mobilemaverick




msg:3494656
 2:51 pm on Nov 2, 2007 (gmt 0)

Adsense for me is just extra income. I don't trust google enough, to quit my full time job, even if I were earning $1,000 a day. I know that tomorrow I could lose all of my top positions in google SERPS and be earning 1/10th of that.

I imagine $300+ would allow me to live comfortably.

iwannano1




msg:3494673
 2:58 pm on Nov 2, 2007 (gmt 0)

I want $500+ per day to get nice life,, just working hard to get there...

netmeg




msg:3494690
 3:12 pm on Nov 2, 2007 (gmt 0)

I *could* live on $100/day, I just don't particularly want to. I'd like to get to a (sustained) $300-$500/day to support the lifestyle to which I'd like to become accustomed.

Jane_Doe




msg:3494718
 3:38 pm on Nov 2, 2007 (gmt 0)

Once federal income tax, self-employment tax and state income tax are considered, a $100,000 income means you'll have about $50,000 left after the tax man cometh.

There are a lot of great tax deductions for small business people, so a good accountant or a few good tax books might help to reduce that kind of tax bill significantly. The Millionaire Next Door book has some good advice on how the author's study subjects worked hard to minimize taxes and realized net income.

[edited by: Jane_Doe at 3:44 pm (utc) on Nov. 2, 2007]

loudspeaker




msg:3494746
 4:02 pm on Nov 2, 2007 (gmt 0)

In NYC regular 1-BR apartments rent for about $3,000 per month, so you'd need $100/day just to cover your housing costs.

Other aspects of life are actually more reasonable (e.g. there are plenty of inexpensive restaurants), but that rent thing screw everything up.

Summary: you need $5,000/m net, after tax (about $7,300/m gross) to live comfortably here (but without luxury). So, I guess, about $250/day.

ronin




msg:3494830
 5:34 pm on Nov 2, 2007 (gmt 0)

Huskypup> Let's not quibble.

One needs a pre-tax salary of £36,500 to realistically live in the East Midlands?!

I wrote USD 100 per day, that at the current rate of 2.08 is £17,548.00 pre tax.

No you wrote:

...and realistically needs to be USD 200.00 per day

I think the keyword which you used (which I picked up on) was realistically.

I would think in London you can get by now on £20,000.

I do not know kind of life style you have however I bet there are not many who could:-)

I do appreciate the point you are making, but really, if you spent more time in London then you would realise that many people - and I am talking about professionals with degrees here - really do not have any choice but find a way to live on somewhere between £25-28k. Some live on £20k. Some live on even less.

Before the title of this thread changed we were not talking about the cost of "comfortable living" we were talking about the "minimum" cost of living.

You talk about property prices. Most of the people I know long ago gave up any dreams of buying a house (buying?!). Almost everyone in my extended circle of friends is in their mid-late twenties or thirties and we all live in shared accommodation, where we split the rent between housemates. I'm talking about professionals, with degrees, sometimes with postgraduate qualifications or Masters Degrees.

That's the reality of living and working in London. (That's also why I've never regretted turning my back on a salaried profession and going into business for myself - the pay-rises come thicker and faster when you're not following someone else's orders for their gain).

I maintain that you could live in London on £20k. Fortunately, any publisher deploying Adsense on their site doesn't have to put up with that. Having Adsense to supplement ones income really does make a difference.

bateman_ap




msg:3494841
 5:49 pm on Nov 2, 2007 (gmt 0)

I maintain that you could live in London on £20k

It depends what you mean, yes the thread is about the minimum cost needed but for what? I am born and bred in London and my parents still live here. That means I can prob get by on £20k a year and be able to survive here by moving back in with them. Or maybe do the house sharing route and live with 10 other people in a house in Streatham

But to honestly survive in London in your own place with a standard of living that doesn't involve baked beans and pot noodles I wouldn't like to try without a minimum of £40k (about $200k at todays exchange rate!)

jetteroheller




msg:3494850
 5:59 pm on Nov 2, 2007 (gmt 0)

I was thinking when naitsirhc26 posted about AdSense targets, just how much does a full-time AdSense publisher need to earn to live "sensibly" well in your part of Googletopia world?

I need a turn around of 50.000 EUR a year for me, my wife and 2 children and to run my business.

About 55% AdSense and 45% of my internet promotion business.

HuskyPup




msg:3494859
 6:07 pm on Nov 2, 2007 (gmt 0)

I think the keyword which you used (which I picked up on) was realistically.

Ok, shot me down:-))

I know I could not survive on USD 200 per day where I live when taking all expenses into account. Ok, so I'm self-employed and everything that is legally tax deductible goes through the business however the reality is that unless I stopped drinking beer then I couldn't live for much less cost than I do now.

I never take holidays, I have short breaks when I go to exhibitions etc, I drive a middle of the road lease car but the reality is still that I would need to earn a minimum USD 300 per day from AdSense to have a decent quality of life.

As I have said before, fortunately I do not rely one cent on my AdSense income, it really is good beer money, the point of this post apart from find Googletopia is for anyone considering AdSense as a career/whatever, is for them to realise just how much they would need to earn to live reasonably comfortably in various countries.

I maintain that you could live in London on £20k.

I empathise with your predicament, it really is an appalling scenario we have in the UK right now with property, however I wouldn't even want to try and live where I do, actually very East Midlands, Lincolnshire Wolds, on £20k, I know I could not do it.

As it is I have to subsidise my daughters' rents every month, both nearly 24 & 20, and their rents in Lincoln for modest accommodation is £7.2K p.a. each and they're only earning £15K and £12K pre tax. That's a booming university city/town for you!

Just where is that Googletopia? Maybe we'd get smart-rent-priced if we did too well?

Jane_Doe




msg:3494888
 6:27 pm on Nov 2, 2007 (gmt 0)

That's the reality of living and working in London.

I don't understrand why housing costs in England and especially London, are so expensive compared to major cities in other countries, including some with sunnier and warmer climates.

jetteroheller




msg:3494896
 6:34 pm on Nov 2, 2007 (gmt 0)

I don't understrand why housing costs in England and especially London, are so expensive compared to major cities in other countries, including some with sunnier and warmer climates.

I also do not understand, why somebody with an AdSense business lives in such an expensive town.

I think a little bit outside, more clean air, less money to spend.

HuskyPup




msg:3494928
 6:53 pm on Nov 2, 2007 (gmt 0)

I don't understrand why housing costs in England and especially London

London is a different country to most Brits, it doesn't make sense to us either but unfortunately things that happen there with housing costs etc ripple to the outside.

London is one of the world’s three largest financial centres, and the single most internationally-focused financial marketplace bar none.

This makes a very interesting read:

[ukinvest.gov.uk...]

With all the other add-ons/support businesses/etc, loads of Brits and migrants want to work there, I wouldn't want to but each to their own etc. The housing cost pressure is unbelievable in London.

[edited by: HuskyPup at 6:54 pm (utc) on Nov. 2, 2007]

ronin




msg:3494946
 7:16 pm on Nov 2, 2007 (gmt 0)

I don't understrand why housing costs in England and especially London, are so expensive compared to major cities in other countries, including some with sunnier and warmer climates.

Because it's where the money is.

I also do not understand, why somebody with an AdSense business lives in such an expensive town.

There are different reasons:

1) first I moved here for a new job
2) then I stayed here after I moved on from that job because I had a girlfriend here
3) then I stayed on because I couldn't afford to move out (that was about the time I first experimented with Adsense)
4) then I stayed on because my business was doing better and I realised that I wouldn't have to leave my friends after all
5) then last year I stayed here because I went back to college
6) And now... well, I'm staying on because I still greatly enjoy the company of my friends but I am thinking of emigrating sooner rather than later and so...

From this thread so far it looks like India and Romania are good places to live on an adsense income and that Serbia is an excellent place to live.

I wonder where you can live best on an adsense income of $50 per day? (It has to be somewhere with reliable internet connections, obviously...)

This 36 message thread spans 2 pages: 36 ( [1] 2 > >
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