Merchant Account Types that are Suitable for Business Needs (part 2 of 2)

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The second type is the "MOTO" or mail order-telephone order charges higher rates for services because it requires more effort for any transaction to be made. Experts say that the MOTO accounts were created to cater to the credit card processing needs of those mail order companies when they receive sales or other transactions with the use of either mail and telephone line. This type of merchant account is usually more expensive because it uses more pieces of equipment like modern technologies—through the personal computer complete with accessories needed like the keypad and the physical terminal as well as the software needed for the program to run effectively.

The third type is the "Internet" which is very similar to the cost, the set of rules, and the means of using the "MOTO". The only difference is that it is more organized and more updated. Here, the transactions are being made using a virtual terminal that play as the "gateway" for payments and other processes that are being made. The internet type of merchant account uses usually uses a program that is custom-designed for its clientele such as the HTML format or the shopping cart format when dealing with payment processes and transactions.

People who don’t have much knowledge on these types would be easily confused since they all adhere to a common policy—to ensure that there is efficient merchant account processing. But, when closely examined, there are great differences in these types, which cannot be ignored. When these differences are not identified early and properly, it can be detrimental to the business itself.

Experts say that the major differences among these three types is the rates or charges they have when it comes to transaction fees and the rules they implement in terms of account usage.

Merchant Account Types that are Suitable for Business Needs (part 1 of 2)

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Merchant account refers to an account that a specific merchant deals with a bank to be able to accept credit card payments and orders from its customers. Because of being a lucrative business option, more and more people are have merchant account providers in the last years. However, there have been many issues surrounding merchant accounts and its providers over the years.

One of the common problems that people who deal with merchant account experience is the confusion which type that would suit their needs. To avoid confusion, as well as other problems that will come along the way, it is best if you familiarize yourself with the types of merchant accounts available. Aside from sparing you from financial difficulties, knowing the different types available will also help you decide which one will be the best option for your interest.

There are three different types of merchant account available depending on the need of the client or the business itself. Experts have categorized types of merchant accounts into three. The first type is the "retail" which is one of the most popular merchant account types out there. This is because many businesses especially those that are related in food such as restaurants, lodging such as hotels, and daily needs such as grocery stores avail of this type. They choose this because the "retail" type offers lower fees without compromising the quality. Some say that the rules implemented by retail account providers are more strict so they can make up for the lesser rates they give for a service.

Knitting Techniques (part 2 of 2)

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The tuck stitch is a knitting technique of producing a textured pattern of cloth. This type of stitch can be created only by using a knitting machine. Depending on the knitter’s preferences, either side of the cloth can be used as the right side. Two or more colors can be included a tuck stitch pattern. The slip stitch is less textured than the tuck stitch and uses one or more colors in the fabric pattern.

A Fair Isle stitch is a stitch whereby two colors can be included in a single row. This stitch pattern can be produced on machines using patterning devices or on olden style machines by hand selection of needles. A simple Stockinette stitch is composed of alternate rows of knit stitches and purl stitches.

Knit-weaving is a knitting technique of producing a thicker fabric by knitting the purl side of the fabric. But this technique makes use of a weaving yarn, which is quite thick as compared to the knitting yarn. Plating is a technique whereby two strands of yarn are held in a way that one appears to be in front of the other. Striking effects can be created on a ribbed fabric through plating.

Another interesting knitting technique is that of producing a double jacquard fabric. This fabric can be produced using a knitting machine with a patterning device. The double jacquard has two reverse colors across the fabric.

Those planning to start with a piece of knit work could follow a few techniques as an aid to produce a fine finished product. These pertain to the size of the needle, the type of yarn and type of patterns and designs.

Knitting Techniques (part 1 of 2)

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A wide variety of techniques add colorful dimensions to the process of knitting. Good quality knitting supplies combined with creativity, imagination and skills help produce a perfect finished product. Techniques to knit the yarn in a variety of ways help in creating a variety of patterns and designs on cloth.

Knit stitches and purl stitches form the basics of knitting. Alternate use of knit and purl stitches helps form interesting designs on a fabric. The knit stitch is formed by making loops that interweave each other. It resembles ‘V’ patterns when viewed from the knit side of the pattern. The purl stitch resembles a ‘brick face’. Knitting techniques make use of a large variety of knitting stitches which include Fair Isle, tuck stitch, slip stitch, Stockinette stitch, striped stock stitch, stock stitch etc.

The stocking stitch, a simple form of knitting stitch is used widely in the process of knitting. It is used for making stable fabrics that curl up when the fabric is stitched completely. This type of stitch is used widely in pullovers, sweaters and other such garments.

A variant of the stocking stitch, a striped stocking stitch is a very easy fabric to produce. In this type of stitch, a new color can be incorporated in every row. But a color should be used in an even number of rows before moving on to the next row.

The tuck stitch is a knitting technique of producing a textured pattern of cloth. This type of stitch can be created only by using a knitting machine. Depending on the knitter’s preferences, either side of the cloth can be used as the right side. Two or more colors can be included a tuck stitch pattern. The slip stitch is less textured than the tuck stitch and uses one or more colors in the fabric pattern.

Maffei Landscape Architects (part 2 of 2)

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Maffei landscape architecture firm has creative team for horticulture decision. They have adequate knowledge of annuals and perennials and they are able to coordinate colors in the landscape so that the space would look attractive and pleasant. They also help in installing and maintaining suitable irrigation system for varied customers. They help in preserving the nature and at the same time enhancing the functionality and appeal of the landscape. That in turn can improve the appearance and value of the property.

The landscape architects working in Maffei landscape firm have more skill and knowledge in renovation projects. They create innovative designs for new landscapes and to renovate existing landscapes. They have the ability to bring designs to production and they can also provide assistance in the construction work. In fact landscape maintenance and landscape construction are the two main services offered by the firm.

Maffei landscape architect firm also provides hardscape services and they have skilled employees for this purpose. These personnel help in the construction of bricks, bluestone walkways, patios, boarders and aprons. They grant valuable services to both large scale and small scale projects. Therefore they have earned a good name in Cape Cod within 10 years.


The firm has more than 100 skilled employees who offer services to bring the clients dream into reality. They grant these services for moderate prices and deliver the service with consistency.

You can get full year of lawn service through the website of Maffei landscape con tractors and can enjoy the benefit of free first lawn cut.

Maffei Landscape Architects (part 1 of 2)

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Are the most recognizable name in the field of landscape architecture. They offer various landscape services to the client like lawn maintenance, landscape maintenance, installing irrigation system and much more. They help in the renovation of Ballymeade country club in the year 1996 and this project earn huge reputation for them. Ballymeade country club located in Cape Cod has included health clubs, swimming pool, and high class croquet pitch and so on by the skilled personnel of the firm.

The catchy logo and black shinny truck provide professional appearance to the Maffei landscape architect firm. They design their trucks and give to a team for planting shrubbery, installing drainage system and for making important improvements in their project. Another team is designated to perform the edging and mulching of beds, pruning and other maintenance works.

There are separate teams for horticulture which handles perennial gardens and flower bed maintenance. Trucks are assigned to each team in order to accomplish the task without any disturbance. Due to this team work, Maffei landscape architect firm has earned a good reputation among clients. Quality and timely service is their specialty.

Maffei landscape architect firm offers great services in the creation and maintenance of lawn in any landscape. Their employees have special skill and knowledge of turfs, diseases in turfs and so on. They also provide valuable service in landscape maintenance like edging of beds, pruning of trees and shrubs etc. They use latest techniques for pruning so that there would be no damage or loss to the surroundings or other natural systems.

Facing The Difficult Task Of Making Living Wills (part 2 of 2)

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* The date should be indicated and notarization must be done, if the state requires it.

* The directives contained in the living will should be consistent with the laws of a particular state. In general, they should relate to cases wherein the owner/maker has been diagnosed of a terminal disease, or has been comatose for a period that's long enough to be considered permanent and any medical intervention would only function to maintain or prolong the current vegetative state.

As much as possible, you should tell your family or closest friends about your living will. You may even assign somebody to act or make decisions on your behalf in case you become incapacitated.

In addition, copies of the living will should be given to the owner/maker's family members, the attending physician, the hospital/nursing home, and other persons involved in the medical care. A duplicate may also be submitted to a living will registry that will take care of the necessary distribution for a certain fee.

Living wills may also be changed or modified. In case you ever decide to make necessary changes, you should notify and furnish copies to all the recipients of your previous living will. Aside from that, all copies of the former document should be consequently destroyed.

The preparation of living wills is a naturally emotional matter. Even a calm and sensible person may find it difficult to fully concentrate on the task.

That is why it is important to get all the possible assistance – both professionally and emotionally – when drafting a legal document such as this one.

Facing The Difficult Task Of Making Living Wills (part 1 of 2)

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Preparing living wills is not an idea that is readily welcomed by a lot of people. In fact, most folks would even dread facing this task. However, there is something that could somehow alleviate the unpleasantness in the whole situation.

It usually comes in the form of a living will kit, which can provide guidance and assistance in the drafting of a living will minus the distasteful feeling of admitting the possibility of becoming ill to the point of incapacity.

A living will, which is also called an "advance directive", is actually a legal document that declares a person's preferences regarding long-term medical care at the time when he or she is no longer capable of autonomous decision-making. Living wills also come in two varieties: general and statutory.

The general living will asserts a personal wish without being consistent with any accepted standard. In contrast, the statutory will is a lawful form that coincides with the requirements of a particular state law concerning living wills.

Because of the legal implications of making a living will, it is highly recommended to draw up one while you're still well and healthy. A lot of web sites on the Internet in fact offer information about this matter. You may even download free templates for living wills if you want to perform a run through. Just make sure that you seek for professional advice when you actually draft the final one.

The Basic Prerequisites

Since a living will is also considered a personal document, the contents may vary on a case-to-case basis. However, there are essential prerequisites that render it legal.

* Legal competence of the maker/owner of the living will should be established.

* The document should be signed by the maker/owner and two authenticate witnesses. In case the owner/maker is incapable to sign, he or she may ask a representative to do so. The witnesses should also be of legal age (18 years old and over). Also, the representative should not be any of the two observers.

Woman on Top: the World of Women’s Magazine Publishing (part 2 of 2)

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Sports Illustrated for Women

Sports Illustrated for Women is published by the one of the industry’s largest magazine publishing firm, the Time Inc. From ten issues per year, Sports Illustrated Women or SI Women has published later on two magazines in a month. The magazine has been attracting women’s attention since women are more interested as participants when it comes to sports. Sadly, the magazine only lasted for two years with twenty issues on it.

Zan-e Rouze

Zan-e-Rouze is the Iranian translation of “Today’s Woman.” It is published in Iran by the publishing house Kayhan during Mohammad Reza Pahlavi’s rule. Kayhan is also known to publish other magazines for sports and children. After the Shah of Iran was overthrown in 1979, the company continued its operation in London. Zan-e-Rouze has then shifted its focus, from gossips to women empowerment.  

Seventeen

Every American teenager must have heard this magazine. Seventeen has been first published in 1944 and still continues to enjoy popularity among girls in their tweens and early twenty’s. The magazine features beauty, fashion, health articles and celebrity news. They also have a regular section called Dear Seventeen which gives advices to young women. It has six other international editions in South Africa, Malaysia, Philippines, Singapore, India and in Hispanic countries.

The Delineator

This magazine's name may sound like “The Terminator” but it is definitely a women’s magazine.  It is subtitled as “A Journal of Fashion, Culture, and Fine Arts.” It was published from 1873 to 1937 by the magazine publishing house Butterick. Although it has already ceased publication, the magazine is still a sensation among Art Deco lovers.

It features Victorian styled fashion on its cover with careful details on the clothes, perhaps to serve as a guide for the tailors.

Woman on Top: the World of Women’s Magazine Publishing (part 1 of 2)

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To date, there are at least 115 magazines published around the world that specially caters to women. The women’s magazine publishing has been a lucrative industry. These magazines do not only focus on fashion, shoes and shopping but also to any interest that concerns women.  May it be about parenting, health, sports or any imaginable activity that women would be interested into like pottery, tattoo or woodworking. The following are some of the famous and the not-so-ordinary titles in the women’s magazine publishing.

The Lady’s Magazine

Also known as, hold your breaths, Entertaining Companion for the Fair Sex, Appropriated Solely to the Use and Amusement, the Lady’s Magazine is the first women’s magazine.  It is a monthly magazine that was produced from 1770 to 1837.

Love, Pearls and Swine Magazine

The unique name of this online magazine is derived from Matthew 7:6 of the Holy Bible. The verse says, “Don’t give what is holy to unholy people. Don’t give pearls to swine! They will trample the pearls, then turn and attack you.” The magazine aims to guide young women who want to get to most out of living in a modern society while still upholding their Christian values. It takes on different topics, from growing pains and faith to fashion and beauty.  Abi Olukeye is the magazine’s current Editor-in-Chief.

Marie-Claire

Who is Marie-Claire? Jean Provoust, the magazine’s creator, must be thinking of the ideal French woman when he named this magazine when it was first published in 1937. When WWII began, the publication of the magazine was ceased until 1954. Jean Provoust’s daughter Evelyn later took over when he retired in 1976. The magazine’s theme is “More than Just a Pretty Face.” It makes sure that the magazines talks about topics that are relevant to the modern woman. They include politics and social issues alongside fashion, beauty and lifestyle in their issues. It is distributed to twenty-two countries other than the United States.

Digging into the iPhone Hardware (part 2 of 2)

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Phone battery

The gadget has a built-in battery which is conveniently rechargeable and is not replaceable, dissimilar to almost several mobile phones existing. Once the battery has reached the end of its life in a premature state, ideally, the phone can be returned to Apple and be replaced for another but must still be within the given warranty time – usually about one to two years from the time of purchase. If the warranty has already expired, one can replace new battery although he or she has to pay for it, shipping charges included.

SIM Card

Originally, the equipment showed its SIM card in an open slot being ejected. For those countries having the gadget, the device is sold with a SIM lock that prevents the use of SIM cards to other networks.

Storage

Initially, iPhone was released with 2 options for its internal storage which can either be 8 GB or 4GB. Time came when Apple announced that models having only 4 GB memory are going to be discontinued in its circulation to give way to a more expanded and reliable storage.

Other accessories

Other items and accessories are already included upon purchase of the iPhone and iPhone 3G. Some of the accessories would include headset and microphone, cleaning cloth, dock connector, a USB adapter, and a SIM ejector tool. Some of these are made exclusively for iPhone 3G and some are present in both models.

Digging into the iPhone Hardware (part 1 of 2)

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Apple introduced iPhone as a device which is distinguished apart from any other phones because of the hardware that was modified to amaze and make people love it’s every angle. To better know the system involving the hardware, it is important to dig into the details of the report. The inner core of the iPhone includes its interface and screen, audio feature, battery, SIM card enabler, storage and other accessories.

Interface and Screen

Screen was made as a nine centimeter liquid display which includes an HVGA touch screen. The glass of the screen was specifically made to be resistant to mild and moderate scratches that may collide with its surface. The screen was created specifically for the fingers out of sensing through multi-touch, meaning no keyboards and clicking through every key just to achieve the desired composition. Because of it having the capacity to be manipulated through multiple fingers, it is a requirement that the device goes bared-skin. A normal glove or styles enables the prevention of conductivity of electricity.

Every input is focused on the screen which has the capacity to understand gestures either simple or complex via its multi-touch. User interface within the device enables the person using it to move any contents through touching and dragging the finger up or down and even left and right. Zooming of pages is one very good application of the interface.

Audio enhanced

Similar to current featured smartphones, the device also has headphones but with an added microphone. Basing on the microphone, there is a button which serves to be multipurpose and can be used to stop, pause or play a particular song. The button can also answer several phone calls and end one and skip music that you don’t like, which all can be done without even touching the phone. Earpieces, wireless in nature, which is supported by Bluetooth application, can communicate with the device and are separately sold although, it does not support stereo audio.

Managing and Reviewing Your Business Brand (part 2 of 2)

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Reviewing Your Brand

Successful brands are those that remain consistent with the needs of its consumers. Therefore, it is your duty to constantly review your brand and its performance to know whether you are meeting these standards. As times evolve, the needs of your customer changes as well. In fact, your customer base might change because of that. So, you need to adjust your branding strategy in accordance with changes in market demands and needs.

Even the most established brands change their marketing approach and branding strategy to stay attuned to the changing business trends in the market. Reviewing your brand must be something that you need to perform periodically; hence, you are always aware of any ongoing trends.

Importance of Reviewing Business Brand

The reviewing process involved in your business' branding strategy offer several beneficial opportunities for your business and its expansion. Here are just some of them:

• It is a good indicator of areas in the business that you can improve on or potentially expand.

• Be careful when trying to stretch or expand your products because it might end up similar to some other existing products. Better yet, reconsider the possibility of creating a new product instead.

• It will provide an avenue for more inputs and suggestions from inside or outside of your institution.

• It enables you to validate your company's core values and how your products or services remain consistent with that.

• Periodical assessment of your business brand enables you to keep up with changing business trends and market demands.

Managing and Reviewing Your Business Brand (part 1 of 2)

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Effective establishment and management of your business brand is as equally difficult as creating one. Indeed, one's you have created a standard and built your own company's reputation, then you would have to constantly live up to that standard and avoid under-delivering. In the business industry, a failure for your company can produce manifold consequences and if you want to protect the brand you worked so hard on building, then you need to continually check on every aspect of it.

Managing Your Business Brand

If possible, assign a person who will continually look into the management of your company's brand strategy. After all, it is a vital aspect of your business that you need to protect if you want to maintain whatever market success your business is currently enjoying. If not, then you can educate your employees or staffs on exactly what are the missions and objectives of your company brand. This knowledge will help them become aware of their role in producing and meeting customer's standards for your business.

If you are aiming for a certain standard, having all members of your crew working towards the same goal and at the same pace will enrich all your efforts for an effective branding strategy. For a more effective management scheme, ask for suggestions on their end as well. You can get valuable input directly from the people who are involved in the process of creating or delivering products and services. Having their inputs will enable you to assess what other aspects of your business need improving and you can maintain the level of your business' performance.

Value of Feedback

If you want a substantial feedback, then you can get it directly from the people who avail of your products and services – the customers. As them for feedbacks on your brand to determine whether you are delivering the quality of standards you have set and they expect from you. If there are any dissatisfied customers, ask them for feedback on how you can improve the quality of your product or service. Your customer is probably your best source of honest criticism and should also provide you with a concrete idea on where you must improve.

Detox Diet: the Key to a Healthy Lifestyle (part 2 of 2)

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However, since a deox diet is very strict, it is highly advisable that it only be used for a short period of time. Detox diets are regularly short-term only and this sort of diet is not recommended to be done for a long period of time because it may be a cause of malnutrition. A detox diet is usually low in protein and carbohydrates. Without these, muscle growth and energy is easily diminished.

So, detox diets must only be used for a short-term basis. After following a detox diet many people report having ‘more energy and losing weight quickly’ and given that the diet is so restrictive, it is hardly surprising that you will have lost a few pounds.

However, detoxing is not a weight management solution. Following the detox program will not teach you anything about basic weight management strategies such as portion control or a healthy meal pattern. As a result most people gain weight again and feel just as sluggish as usual once they stop the diet and return to their old eating habits. The real reason that detox diets work in the short-term is because people make a special effort to change their eating habits for a few days.

It stands to reason that if you swap chips and fizzy drinks for fruit and water you will loose weight. Also, if you’re not eating lots of high fat meals, which slow your body down as it tries to digest them, you will have more energy.

Detox Diet: the Key to a Healthy Lifestyle (part 1 of 2)

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Detox, short for detoxification, is the body's natural, ongoing process of neutralizing or eliminating toxins from the body. Toxins are chemically changed into less harmful compounds and flushed out of the body through stools or urine. Detox diet is the method of taking in certain food and drinks with the end purpose of getting rid of toxins from the body for finest health.

In short, it is a diet which detoxifies the body. Detox diets may vary in forms and the substances to ingest. In most of the cases, the food selections are very strict. On the other hand, some are more lenient but then certain drugs are prescribed to assist in the detoxification.

Detoxification is good for the body if done properly and with professional guidance. It is highly recommended that a person who wishes to undertake detox diet must first consult a physician or dietician. This is because detoxification may be harmful to the body if not conducted properly. Sometimes the misuse of a detox diet may produce certain diseases or even malnutrition. But with the proper guidance, detox diet can make a body healthier and stronger.

When a body is detoxified, the toxins are removed from the body through the urine or the stools. When there are less toxins in the body, blood circulation gets better, respiration is stroger, stamina is improved, stress is decreased, and the person himself will feel better.  But the most popular reason why people go for a detox diet is that it is the quickest and safest way to lose weight.

Most detox diets comprise of only fruits, vegetables, and water. Since this sort of diet is very strict, meat, dairy, alcohol, and bread are big no-nos. This allows the body to absorb less calories and carbohydrates. Detoxification also produces the effect of lessening harmful substances in the body like fat and cholesterol.

Click Fraud (part 2 of 2)

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To prevent this from happening, many people use a large number of proxy servers for the purpose of clicking. These are basically trojans, located on computers throughout the world (though mostly in the US). What's even more daunting is that these clicks will appear to originate from an actual computer so such scams are really hard to detect.

And don't think this happens only in isolated instances. There is a great deal of illegal activity in this domain.

In fact there's so much that if search engine companies don't increase their security with such programs as AdSense, such criminal behavior could become more become even more damaging.

Google has a very strict policy regarding click fraud, and it has sued those employing such techniques in the past. But while the search engine giant tries its best to minimize the risk of click fraud there's certainly room for a lot of improvement.

It is estimated that more then 20% of the clicks that follow an AdSense link are just done in order to get money from the person paying for the ad. Some people believe the number of fraudulent clicks to be even twice as large.

There are a great deal more schemes involving click fraud, such as groups of AdSense publishers clicking each other's links (which is referred to as "clicking rings", or spamming people so that they click such links.

Despite Google still holding click fraud on a leash, the phenomenon is certainly raising concerns for the advertisers on AdWords, but despite this advertising with Google's AdSense still remains more profitable for the advertiser, as opposed to traditional untargeted advertising schemes.

There are some means of protection against such schemes and all advertisers should be savvy enough to employ them. Many advertisers choose to avoid the content network all together for fear of click fraud.

You need to have optimized niche website templates for best results. You may find the best adsense templates and blog templates at www.AdsenseTemplates.com (http://www.adsensetemplates.com). They are offering 100 fresh new templates every month.

Click Fraud (part 1 of 2)

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If you're using AdWords or AdSense you must have heard about an emerging practice in the underworld of computing called "click fraud". But what exactly is click fraud and how is it accomplished?

Well AdSense uses a payment mechanism that awards a certain amount of money to a publisher (someone who holds an AdSense banner on their page) every time a person clicks on the said banner. So click fraud is the attempt to have people clicking the ads just so that they can earn a greater income.

There are people setting up sites for the sole purpose of fraudulently generating revenue through Google's AdSense program. These users achieve an incredible number of clicks through many methods, some complex and sophisticated and some rudimentary and simple.

One of the most complex is through the use of so called "hitbots". These are automated programs who emulate clicking the links in AdSense banners (there are some that actually click the banners as well).

Google's AdSense protection scheme is by no means perfect and nearly anyone can find the details of surmounting the protection mechanism, ironically just by doing a Google search.

Another, more rudimentary method is to hire a lot of people in a poor country to click the links on your site. This means these people will actually sit all day and just click links so you can earn a fortune. They come from very poor countries like India, and they're prepared to do so for just $0.50 an hour.

Of course, there's a problem with this mechanism. Once Google receives a large number of clicks from a single address, the address and the site that had the AdSense banner will be banned, and the illicit behavior might even get the fraudster sued.