Ten Ways to Invest Tax Free

 

For the moment, taxes on portfolios are modest. The federal rate is 15% on most dividends and on long-term capital gains. Come 2013, though, the rates shoot up.

Without a law change, the maximum federal tax on interest, dividends and short-term gains will go to 44.6%. That consists of a 39.6% stated rate, the 1.2% cost of a deduction clawback and a 3.8% surtax to pay for health care. The max for long gains will be 25% (but 23% for assets held for more than five years). Add state taxes to all of these.

What’s an investor to do? Take defensive measures. Here are ten ways to pocket investment income without paying tax on it.

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Set up a kiddie Roth

osha.gov

Did your daughter earn $4,000 last summer that she needs for college? Were you going to leave her at least $4,000 in your will? Start your bequest now. Hand her $4,000 that she can use to fund a Roth IRA. Tell her not to touch it until she is 60.

She’ll get 40 years of tax-free compounding. (At 7% a year, this would turn $4,000 into $60,000.) You’ll get money out of your estate, probably saving on state inheritance taxes.

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Buy an MLP

Master limited partnerships that own energy assets like pipelines tend to pay pretty good dividends (in the neighborhood of 5%). Those dividends, at least initially, are largely sheltered by depreciation deductions. The quarterly cash, that is, is considered a nontaxable “return of capital.”

After a decade or two this tax shelter is exhausted, but if you die owning these shares your heirs get to start the process over with a new, higher tax basis. There’s more on MLP taxation here.

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Go Ugma

Use the Uniform Gift to Minors Act (a.k.a. Uniform Transfers to Minors Act) to set up a brokerage account for your son or daughter. The first $950 of annual income is free of tax; the next $950 is taxed in the kid’s low bracket.

The downside is that at age 18 Junior takes ownership and might not spend the money on college, as you intend. So fund the account modestly­—$30,000 is plenty—and concentrate the holdings on investments that (a) generate a lot of taxable income and (b) are compelling additions to the overall family portfolio. The idea is to make full use of that $1,900-a-year shelter while parting with a small amount of capital.

Here are several examples of investments that make sense in a diversified portfolio and that spew out a lot of ordinary income:

–exchange traded funds that hold a lot of Ginnie Maes and the like (MBB) or the whole bond market (BND).

–the ETF for junk bonds (JNK).

–high-yielding blue chips like Verizon, AT&T and Pfizer.

–preferred stocks.

Two cautions. (1) To avoid gift tax wrinkles, limit each year’s contribution to $26,000 per child ($13,000 if you are single). (2) Don’t set up Ugmas if you think your kid will qualify for college financial aid. Any assets in the kid’s name will be snatched by aid officers.

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Open a 529

A Section 529 plan lets you accumulate investment income tax free, provided the proceeds are used on schooling. Drawback: Sometimes stiff fees erase the income tax saving.

The account is likely to be a good idea where the costs are low (as in Utah) or there’s a break on state income tax for parents chipping money in (as in New York).

As with Ugmas, 529s are not a good idea for families likely to get tuition assistance.

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Own commercial real estate

As long as your building doesn’t have too much of a mortgage, depreciation deductions will make a good chunk of your rental income free of current income tax. There’s more on the economics of these dealshere.

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Own muni bonds

Interest on the general obligations of state and local governments is free of federal income tax. In most states you also get a pass on state income tax for home-state bonds. Caution: Some states are in financial trouble. Check out the Forbes Moocher Ratio before buying.

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Give away stock profits

You put $3,000 into Netflix, wait at least a year, then give away the shares to charity when they’re worth $8,000. You get a deduction for the whole $8,000. Your $5,000 gain is never taxed.

Two other ways to shelter appreciated property from capital gain taxation: leave it in your estate, or give it to a low-bracket relative.

Bequeathed property benefits from a step-up, meaning that gains unrealized by an owner at the time of his death permanently escape income taxation.

Low bracket taxpayers (people who would be in a 25% or lower bracket if all their capital gain were taxed as ordinary income) get a free ride on long-term capital gains. But if the donee is a son or daughter 18 or younger (23 if in school), beware the kiddie tax, which applies to investment income over $1,900 a year.

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Capture losses

When the market is down, swap out of losing positions into similar but not identical ones. For example, you could exit an S&P 500 index fund and immediately buy the Vanguard Megacap Index Fund. In this fashion, you can run up a capital loss carryforward that will make future capital gains tax free. For more on loss harvesting, go here.

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Buy a safe

thesafewarehouse.com

If your $400 investment saves you $45 a year in safe deposit box fees, you’ve got an 11% yield, tax free. The only exception on the tax side would be if you are one of those rare birds in a position to deduct miscellaneous items like the rental on a strongbox to hold your gold coins. Miscellaneous deductions are usable only to the extent they exceed 2% of your adjusted gross income; not many taxpayers get anywhere near this threshold.

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Be a cheapskate investor

Are you paying someone 1.5% a year to have your assets managed? Cut this cost in half by haggling. A dollar saved in this fashion is a dollar earned free of tax, unless you are claiming miscellaneous deductions, which is unlikely.

Best Car Insurance Companies

 

Knowing you have selected a good car insurance company is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don't want to find out too late that your car insurance provider isn't up to par.

This list contains the top 3 best auto insurance companies based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.

Geico

“I love GEICO, they have EXCELLENT customer service!!! They are always great, they’re always so personal, they are always there to help all day and night and weekends and you don’t have to worry about someone being on vacation or sick because there’s always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don’t already have a policy.”

“I love Geico. I’ve tried them all in this one is the best for sure! Go Geico! My only real issue with them is they are a call center which means no local agents like state farm which also equals less small biz development for the community but as far as a provider they’re awesome!”

“Switched from Allstate after 24 1/2 year and Saved $600.00 every 6 months. Was paying $1298 and now $698. 10 and now I’m switching home insurance also. Thank You GEICO for SAVING me $1200 a year on my AUTO.”

 

Esurance

 

 

“I was tired of my insurance payments going up and up and up, so thought it was time to start shopping for new insurance. I had tried over the Internet before but hadn’t a clue what I was doing, so I just gave up. I had my previous insurance elsewhere and came to find out I was paying way, way too much. I am saving $750. 00 a year by switching to Esurance! I could not believe it! I immediately started the process of switching, and I am now a new Esurance customer and a very happy one! Today, I received my policy and cards via email just as promised and am glad I switched!”

“This is a good one, I had tried many but this is best.”

“Great prices compared to everyone else.”

Allstate

“Immediate accident forgiveness and real agents-not lizards nor 800 numbers.”

“I received a quote within minutes online and it was much lower than Geico, Progressive, State Farm, Nationwide and Safeco auto insurance companies. With the promise to keep me insured with their "no insurance hike up when getting into an accident", I will definitely continue to be an Allstate customer. I believe that I am in better hands than all the rest.”

“Allstate is the best!”

How to find the perfect startup job

Discussions about startups often focus on founders or investors, but most people in the startup game are regular employees. So how do you find a startup job?

"I want to work for a startup." It's a common statement, but a "startup" can be very different things. The primary dimension on which startups differ is stage: Two guys in a garage is definitely a startup. So is a 30-person company growing with a second round of financing, and so is a 250-person company preparing for an IPO.

The first decision, and the most critical decision, of what type of startup to join is based on the current stage of the company.  This selection is the most personal and subjective one, as it's based on a person's motivations for why they want to be a part of a startup in the first place (as opposed to just getting a job at xyz company) -- desire to make an impact, better working in smaller teams, excitement to be involved with cutting-edge technology, aspirations of becoming a founder and/or a startup CEO, working with other motivated people, long-term financial upside, etc.  But this juncture is also where I see people make a critical mistake.

The biggest mistake I see is people going to Series A or B funded startups because they perceive it as "safe" with VC backing, but the only thing *temporarily* derisked is financing. And that derisking is only for 12+/-6 months.  Yet the company hasn't figured out its product-market fit, hasn't figured out its customer proposition, doesn't have revenue… it doesn't have traction.

As an employee joining, you bear (nearly) all the risk as the founders but an order of magnitude less in compensation, recognition, and influence.

I believe that there are three opportune times to join a startup:

1. As early as possible (or as early as you can stomach).
2. When the train has already left the station.
3. When there is a truly unique ability to learn, collaborate with specific people, or work in a special situation.

As early as you can stomach. For some, the proverbial two-guys-in-a-garage-stage is the ultimate allure… but they're not ready just yet to be one of those couple founders. Push yourself hard to ask why am I not a founder now?  If the reason is the need for an initial idea, a specific skillset, time to develop a potential customer network, etc., then the right answer is to find a role and company which fits that description so that after a few short years you're ready… usually that's not a seed-stage startup. If the reason is that you haven't done it before but just want to learn the playbook, then by all means joining an extremely embryonic team is the right next step. Of course many people have current income requirements that the earliest-stage team can't satisfy; hence, reality does dictate that this rule is amended from "as early as possible" to as "early as you can stomach."

But if you're stomach feels queasy reading any of the above, it really makes sense to jump ahead to a much later stage startup where the…

Train has left the station. What I mean is that the startup is already on track, generating real revenue, rapidly growing (and hiring), and is clearly destined to be some type of success. It's unclear if it's going to be either a "win" or a "monster win," but a reasonable outcome is reasonably assured. In other words, the train has left the station heading towards a destination and will get there if you're on board or not. Of course you're going to make an impact (that's one reason why you're joining a startup after all), but the company is already moving forward with its own inertia.

If you aren't ready to be a founder soon, this point is the best place to join a startup. Yes, it's larger and doesn't have the same feel as "those early days," but the benefits of joining this profile company are numerous:

1. Learning – you'll be in the pole position to see how a successful startup ticks.
2. Reasonable exit in a visible time-horizon with some financial payoff– With an outcome probable, there's a likelihood of a nice payday (though certainly not a life-changing one).
3. Instant association with success – Unless you're a founder, people rarely remember when in its lifecycle you joined a company… just that you were there.  If this company is already perceived as a success – bing! – now so are you.
4. Startup credibility – You'll earn startup credibility chops even though you weren't there from the beginning.
5. After successful exit people will leave to start own startup – Post-exit is most often when the magic of new company formation happens. Employees take their newly-created financial assets, their domain credibility, and their uniquely acquired knowledge to start new companies.  This is the perfect time to have a unique opportunity.

Even though it is a smart strategy to join later in the game, realize that you miss out on acquiring some startup founder skills (searching for a repeatable model, the emotional roller coaster, etc.). But if a founding role isn't your plan, there are some people who are just better suited to the scaling-stage of a startup -- and that's a great thing.  These are people who are probably never going to be founders, but make great VPs of engineering and marketing, etc for late-stage companies… and they do it successfully again and again.

Learn and work with people or in a special situation.  Going extremely early or very late is the right approach 90% of the time.  The exception to the rule is just that -- when there is an exceptional opportunity at the in-between. There are situations where you have opportunity to work with someone renowned in industry. Or you have a special skillset that would apply to your role.

The last reason to join a mid-stage startup, and the most compelling one, is that given your prior experience you have a unique perspective to recognize that the company has been or will be de-risked in some way that hasn't fully been realized yet. It's easy to craft a story to cite one of the above cases is present, but the true test is convincing yourself that it's true.

Regardless of what stage startup you join, the choice should be just that --something which you chose, a deliberate selection based on criteria that you're optimizing around and the potential of upside, not a perception about safety. You should be joining a startup because of your excitement about the role or situation, the company itself and the opportunities ahead with the chance to change the world, not as a hedging strategy.

David Beisel is a venture capitalist focused on the digital media space. He currently serves as a co-founding partner at NextView Ventures, and previously worked with both Venrock and Masthead Venture Partners. This post originally appeared on his blog, where it's the first of a 4-part series.

By David Beisel, contributor

Kate Middleton Engagement Ring Spurs Sapphire Sales

The Persians believed the Earth stood on it, God supposedly carved those ten commandments into tablets of it and now Kate Middleton is sporting it on her ring finger. Meet the blue sapphire, gemstone of choice for biblical kings and the late Princess Diana, now de rigueur among legions of royal admirers and, more recently, high-end jewelers.

Nearly three months after the announcement of Middleton’s engagementto Prince William, the flood of commoners wanting in on the fairytale still has purveyors of the cornflower blue sparklers scrambling to keep up.

“November was a record month by far, December was a record month by far, January, still a record month by far,” said Michael Arnstein, president of the Natural Sapphire Company and loose gem vendor to the likes of Cartier and Tiffany & Co. The online sapphire retailer, which sees $5-10 million in annual revenue, has Kate Middleton’s 18-carat Garrard rock to thank for the 300% increase in sales.“[She’s] a walking, talking fashion advertisement for the gemstone,” said Arnstein.

Sapphire mania appears to have penetrated all sectors of sapphire retail, low and high. Mark Aaron, Tiffany vice president of investor relations, confirms improved sales of blue sapphire rings, especially in Europe.

Sapphires are widely thought to be much rarer than diamonds. They command an estimated $800 million of the gemstone retail market according to Gemological Institute of America Senior Analyst, Russell Shor, citing a 2007 mining company study. This figure includes non-blue sapphires (the gemstone comes in all colors but red; a red sample would be called a ruby).

Unlike diamonds and gold, there is no widely-accepted price list that sets sapphire values, which makes for tricky investment planning. While he forecasts a bullish sapphire market, John Tolliver, president of Simply Sapphires, cautions against stockpiling the blue stunners unless you can afford to go big–really big.

If you’re looking for almost guaranteed ROI, Tolliver recommends shelling out for quality sapphires over 10 carats, Kashmir sapphires or an untreated sapphire–if you can get your hands on one, that is. More than 90% of sapphires on the market have received some form of processing treatment, making untreated specimens extremely rare and valuable.

As for the Kashmir lot, whose name is derived from its renowned Indian mine provenance, expect to pay a king’s ransom. In April 2007, an unnamed 22.66 carat Kashmir sapphire, once owned by railroad magnate, James J. Hill, sold at Christie’s for $3,064,000, the highest amount ever paid for a sapphire.

by Jane Lee

CARAT CAKE

Retirement Catch-Up: How To Start In Your 50s

You have no savings, but you've got a job. Don't panic. Here's what you need to do now.

In Pictures: Retirement Planning For Late-Starters

OK, you're in your 50s and still have a job--maybe even a decent one--but the amount of savings you've put away for retirement is squat. Zippo. Nada. Is there any way you can avoid an impoverished old age or working until you drop?

The answer, fortunately, is yes. Even those getting a tardy start in thinking about retirement can take advantage of tax breaks and other moves to make up significant ground. This may require substantial changes in one's lifestyle now, but they're almost certain to be less painful than what might be required in 10 or 20 years if you don't start now.

"It's not too late unless you think it is," says Andrew Hudick, a financial planner in Roanoke, Va., who regularly sees clients needing to play retirement catch-up.

The most important first step to take is to start saving. Now. Even if you haven't yet worked out any kind of a plan; that can come later. But you're still going to need the money.

We're not talking about the kind of piddling savings that comes from giving up your twice-a-week Starbucks  Venti Latte. Instead, you need to start saving a good 10% of gross income or even more. There essentially are two ways to save. One is to pay down high-interest-rate debt that isn't already tax-deductible--especially credit cards. If you're paying 20% on credit card debt, in effect you get an immediate 20% return for every dollar you pay off.

The other way, of course, is to put funds away. This is where the tax code comes in. Take full advantage of your company's401(k) plan in which contributions are excluded from your current year's income. It's nice but not crucial if the employer matches part of the contributions. In a 25% bracket, a $10,000 contribution by you reduces your taxes by $2,500. Federal law allows workers who will be 50 by the end of the year to salt away up to $22,000 of their own contributions, pre-tax, for 2010. Investments in such retirement funds grow tax-deferred until they are withdrawn, at which time they are taxed at ordinary rates. While tax rates may go up overall, your own rate is likely to be lower in retirement, particularly given the late start you're getting on savings.

If your employer doesn't have a 401(k), open an individual retirement account at a mutual fund company or brokerage. Those who don't have any employer pension plan can put away up to $6,000 pre-tax a year. If you do have a current employer pension plan, no matter how crummy, then you can only deduct the full contribution if your modified adjusted gross income is $89,000 or less for a couple, or $55,000 or less for a single. But you can make a $6,000 per person nondeductible contribution to a Roth IRA with modified adjusted gross income of up to $166,000 per couple and up to $105,000 for a single. (A Roth grows tax free, and all withdrawals in retirement are tax free.)

You can also fund tax-advantaged retirement savings with income from a second job or side business--a good thing to build up now, since you'll want to continue earning something in retirement. Say you're making $5,000 a year selling hand-made jewelry on eBay. You may be able to put it all away pretax in a Simple IRA or other special savings plan for the self-employer. How should you invest your retirement funds? Most 401(k) plans have a number of mutual-fund options, and money in an IRA can be invested almost anywhere. Due to the continued volatility of stock markets, Hudick recommends for starters low-cost bond funds, in which the chance of a loss of principal is minimal. The last thing you want is to see the disappearance of 20% of your portfolio in the next stock market bust. As your nest egg grows larger, you'll want to look more closely at what percent you want to invest in equities--preferably low-cost index mutual funds.

Perhaps the biggest problem in starting a retirement plan later in life is the loss of a prior significant period of time over which earlier investments could have compounded and grown. At a 5% rate, an investment doubles in 15 years; at 4%, in 18 years. But even if you're in your 50s, you can still take advantage of the magic of compounded returns. That's because--actuarially, anyway--your retirement is likely to run upwards of 20 years. That's a long-enough period for investments you put away today to bear fruit.

As you get the savings going, you should figure out where you stand financially and what you'll need. Even if you aren't the sort to track every nickel spent on Intuit's  Quicken, it's not hard to draw up a family net worth statement listing all assets and liabilities, and an income statement showing income and expenses over the last year. Data on your latest tax return can help.

There are all kinds of rules of thumb about what level of your current net income you'll need to sustain yourself in retirement, generally ranging from 60% to 80% to even more. But if you're new to retirement savings, don't be paralyzed because you won't reach those goals. Simply do the best you can and keep in mind that you're not starting from zero.

For example, even if your current employer doesn't offer a traditional defined benefit pension plan--one that pays a set amount each month--you may well have earned a monthly stipend from a previous job. This is a good time to paw through your old files and find records of any pensions from ex-employers you may be entitled to.

Even more significant is Social Security, which replaces 42% of the salary of a median wage earner who retires at the "full" or "normal" retirement age--66 for those who were born between 1943 and 1954. Replacement rates are higher than that for low-wage workers and lower for high earners. Plus, the replacement rate is higher for one earner couples, when spousal benefits are factored in.

Every dollar that comes from Social Security is one less dollar you otherwise have to provide for. You can get online an official estimate of your benefits from Social Security. Given the federal deficit, younger folks might rightly worry they won't get what they're promised from Social Security. But those 55 and over are unlikely to be nicked too much by any Social Security changes, unless they have a fairly high income.

You can start drawing early retirement benefits from Social Security at age 62, but it pays to wait, especially if you continue working past that age, and is crucial if you've begun saving late. Delaying the start of Social Security benefits until age 70 can boost the monthly payout by as much as 80%.Here comes the tough-love part. If you seem to have no money left over at the end of the month to put away one way or the other and you don't want to get a second job or work longer, you're going to have to reduce your style of living. It's as simple as that. Sure, there's a lot of nickel-and-dime stuff many people can do--eat out less, buy used cars and so on. But you'll have to tackle the big stuff. Consider downsizing to a smaller, cheaper and less-expensive-to-operate house or even renting an apartment. (The first $500,000 of any gains on a principal residence sold by a couple is tax free, meaning more to invest now.) Even more dramatically, ponder relocating in retirement to an area with a significantly lower cost of living. Tell the grown children still living at home they're going to have to start fending for themselves.

It doesn't take a lot to start building that nest egg. In a tax-deferred account and figuring a 4% annual return (compounded monthly), putting away just $500 a month would produce $74,000 in 10 years. That may not seem like much. But at current rates, for a couple that would be 68 years old then, that sum would buy an immediate annuity paying out $433 a month until both spouses are dead.

How To Start Building Your Nest Egg

It's never too early to start planning your retirement--or to learn from your parents' mistakes.

Visions of retirement vary from one generation to the next. For your grandparents, perhaps it was a fat pension and a Florida condo. For your parents, it might have been cashing out a 401(k) to buy an apartment in a trendy urban center.

For you, it may seem there's no choice but to work until age 85. But even though the Great Recession has devastated defined benefit pension plans and slashed the value of savings in self-directed retirement funds, you still stand a good chance of enjoying a retirement that's even more prosperous than those of your forefathers. Step One: Don't be deterred by their mistakes and misfortunes.

"Don't worry about what happened to your parents' retirement fund," says Mary Malgoire, president of The Family Firm, a financial advisory in Bethesda, Md. "You should get out there and put your money into growth."

Your initial step in planning for retirement should be to take advantage of all the available opportunities to receive free money. There are more than you might think. If you open a retirement account through your job, for example, your employer may match some or all of your contributions. A good target is to put away 15% of your gross income. Most employers cap the amounts they will match, so at minimum, try to contribute enough to receive the full employer match.

"Would I rather be in something that earns 20% a year or 5% a year? Obviously 20%," says Malgoire. "And that's what you get with employer match. It's free money."

With that free money, a young investor should build a portfolio heavy on mutual funds, index funds and stocks, but light on bonds. How light? Vanguard founder John Bogle suggests a simple rule: The percentage of your portfolio made up by bonds should correspond roughly to your age. So a 33-year-old would keep one-third of his or her savings in bonds and the rest in equities. Many retirement planners like this guideline, but warn against relying on it too heavily.

"It's a good starting point or rule of thumb," says Dan Maul of Retirement Planning Associates in Kirkland, Wash. "But people need to know they can fine-tune those rules at any point. If you want to be aggressive, you could allocate [a percentage equal to] your age minus 20 to bonds."

Make low-cost index mutual funds or exchange-traded funds the core of your investments. For domestic exposure consider something like the Fidelity's Spartan 500 Index; for international growth check out a passively managed fund like Vanguard's Emerging Markets ETF . Those two funds sport expense ratios of 0.10% and 0.27%, respectively. That compares with 1.12% and 1.75% for similar actively managed funds, according to Lipper. Assuming you had an average balance of $10,000 in your account and achieved an average annual return of 8% on each, the index funds would save you $2,085 and $2,920, respectively, over 10 years.

Whether you're young or old, taxes matter too. Young investors should consider putting retirement funds into a Roth IRA. With a traditional IRA or 401(k) you invest money pretax but must pay ordinary income taxes on gains when you withdraw the money. With a Roth IRA and similar Roth 401(k) holders pay taxes the year they put the money in, and can withdraw it tax-free in retirement.

"I'd recommend 50% traditional, 50% Roth," says Maul. "There's a million reasons besides retiring that people take money out of a 401(k)—buying a house, losing a job, having a kid. If you have both sources available, you can maximize your flexibility."

By following these steps and sticking to your savings goals, you can have the retirement that you--and your parents and grandparents--envisioned.

Here’s How John Paulson Made $5 Billion Last Year

The secret to the spectacular returns  Paulson  and his employees  reported for 2010 is due to their keeping  much of their money- $14.9 billion or 42% of the total assets under management($35 billion)– in the funds. That’s called putting your money to work alongside your clients. That $14.9 billion commitment is revealed in Paulson’s yearend letter to investors.

Some of Paulson’s personal share  in his funds must come from reinvesting the $4 billion he made going short against the subprime mortgage bubble in 2007.

The Paulson funds  made gross gains in 2010 of $8.4 billion before fees.  So, 42% (their share)  of  the $8.4 billion meant $3.5 billion in gains for Paulson and his employees.

Add to that a 2% fee on $20 billion of capital from investors– $400 million– and then the 20% fee on the total profits made adds another $1.7 billion to the pot shared by Paulson and his team.

By my figuring then, the total take comes to roughly $6 billion before  taxes.

Overall, the fund’s strategy made a transition during the year from a short equity bias  with a focus on being long distressed securities to a long equity event focus, according to Paulson’s yearend letter.

This growing  bullishness on the stock market  is due to  Paulson’s careful  tracking of  the equity risk premium measured by J.P. Morgan; the difference between the yield on equities and the yield on bonds. At present, the yield on stocks,  the obverse of the price-earnings multiple, is 7-8%– while the yield on 10 year treasuries is only 3.34%.  In this comparison the potential return on stocks is double the return on bonds.

Paulson  is a buyer of stocks because he sees the equity risk premium in the market as “the highest it has been in over 50 years., indicating to us that equities are due to rise as the current economic environment is by no means the most challenging it has been in 50 years,” he wrote in his yearend letter which was posted Friday on the internet.

Last year, for example, Paulson made a 43% return  or over $1 billion on Citigroup– buying shares at $3.20 a share and selling them for $4.60 a share later in the year.

The Paulson Gold Fund was up over 35% on the year, as positions in Anglo Gold, Osisko and GLD, the giant gold ETF all paid off bigtime. Paulson is optimistic that gold will outperform for the next 5 years and is “the ideal vehicle to hedge against the risk of the U.S. dollar.”

The funds held $20 billion in 40 different distressed situations where most of the companies have “repaired their capital structures.”

He also sold off positions in major banks like Bank of America, and went long Anadarko, the oil and natural gas producer.

Paulson’s hedge fund has piled up gains of 26 billion since inception in 1994– 3rd biggest killing of all hedge funds. Quantum Endowment Fund, begun by George Soros in 1973,  has racked up $32 billion in net gains. Renaissance Medallion Fund, founded in 1982 by James Simons, has delivered net gains of $28 billion.

He  expects all his funds “to outperform in 2011.”

Top 10 Most Expensive Wines in the World 2010

How good is the most expensive wine in the world? It must be something perfect, it’s old and it’s made by the best wine producer. These most expensive wines is become the masterpiece of renowned wine producer and become the consumption of the richest persons in the world. Maybe we can taste these wines just one or two glass to enjoy how good is their taste. Let’s take a look at these most expensive wines in case that we will have some budget to buy these wines this month.

10. Screaming Eagle Cab 1992: $300

 Screaming Eagle Cab 1992

9. Chateau Mouton Rothschild 1982: $700

 Chateau Mouton Rothschild 1982

8. Screaming Eagle 1994 : $3,833

Screaming Eagle 1994

7. Le Montrachet, DRC 1978 : $23,929

 Le Montrachet DRC 1978

6. Romanee Conti, DRC 1990 : $28,112

 Romanée Conti DRC 1990

5. Penfolds Grange Hermitage 1951: $38,420

 Penfolds Grange Hermitage 1951

4. Massandra Sherry 1775 : $43,500

 Massandra Sherry 1775

3. Chateau d’Yquem 1787 : $56,588

 Chateau d'Yquem 1787

2. Chateau Mouton Rothschild 1945 : $ 114,614

 Chateau Mouton Rothschild 1945

1. Chateau Lafite 1787 : $160,000

Chateau Lafitte 1787

Do You want to taste how good those wine is? Just remember that too much drink wine, even it’s most expensive wine in the world still can make you drunk and can’t drive your car yourself .

Top 10 Most Expensive Yachts in the World 2010

Traveling with yacht is the rich hobbies. Yacht is equipped with full of luxury facilities. The wealth in the world is trying to make their yacht as beautiful as possible, hence it makes the yacht become most expensive yacht in the world in term of price. There’s a lot of facilities in the most expensive yacht in this list. You can find various of luxury thing there that vary from luxurious interior, helicopter with its helipad, swimming pool even there’s submarine and artificial beach on the expensive yacht. Let’s take a look at the most expensive yachts in detail one by one
10. Tatoosh: $100 million
Tatoosh is 301-foot Yacht owned by Paul Allen, the Co-founder. You can also see below that He also own Octopus. What’s the facility inside? You can mention own theatre, swimming pool, Helipad that available for 2 helicopters and you can also see lobster tank that will be available to serve food for entire passenger. It’s quite complete to call this a luxury mega yacht right?

 Tatoosh

9. Annaliesse: $103 million
More than 50 persons can be loaded easily on Annaliesse that has 280-foot length in 15 staterooms. This mega yacht can spoil the passenger with full service of Spa, Salon, Children play even library and 100-inch screen Movie Theater . The main stateroom has its own panoramic windows with king-size bed.

 Annaliesse

8. Alysia: $116 million
Alysia is 290-foot luxury charter yacht owned by Andreas Liveras, a Greek Businessman. This yacht has a master stateroom that equipped with private deck, jacuzzi and King size bed. This yacht has five decks and was constructed by Neorion Ship-yard in 2006. You can also make underwater escape with a pair of “scuba scooters” on this yacht.

 Alysia

7. Ecstasea: $129 million
This yacht was one of the “toys” of Roman Abramovich, Chelsea owner, before sold in June 2009 to an unknown American. Ecstasea is 250 foot mega yacht that built with Asian style interior design along with bamboo furniture by Terence Disdale and De Voogt Naval Architects. The yacht itself was built in 2004 by the famous shipyard of Royal Van Lent. You can find disco, sauna and Turkish bath here. You may arrive on the yacht by a helicopter as this yacht has retractable helipad.

 Ecstasea

6. Pelorus: $130 million
Pelorus is another yacht of Roman Abramovic. It’s 337 feet and 3 inches in length. It was built for Saudi Businessman by the Lürssen yard in Bremen, Germany with the design by Tim Heywood and was launched in 2003. After owned by Roman, the yacht was refitted by adding helipad, zero speed stabilizers and other additional feature. The yacht is full of toys like jet skis and wave runners with up to 46 crews that will serve the guests.

 Pelorus

5. Octopus: $200 million
Octopus is another mega yacht owned by Paul Allen. It’s 416 foot yacht with 40 crew that ready to serve. The ships are also a “garage” of 7 smallers boats, two helicopters and 10 person submarine. Octopus was built by the German shipbuilders Lürssen in Bremen and HDW in Kiel and designed by Jonathan Quinn Barnett from Seattle.

 Octopus

4. Rising Sun: $200 Million
This yacht was designed by the late Jon Bannenberg. Rising Sun was built by Germany’s Lürssen. It’s co-owned by Larry Elisson of Oracle and David Geffen. It’s 453 feet with lot of facilities. You can mention luxury facilities such as Onyx countertops,Jacuzzi bathrooms, A gymnasium/spa and sauna,An extensive wine cellar, A private cinema with a giant plasma screen. Totally it has 82 rooms.

 Rising Sun

3. Lady Moura: $210 million
Lady Moura was built in 1990 by Blohm + Voss, Germany with the order from the current owner Prince Nasser al-Rashid. The yacht is very large that it have some trouble to enter some harbor like Monte Carlo. The yacht itself has 60 crews. The yacht has a pool with retractable roof. The special feature is that this ship has mock of beachfront complete with sand and palm.

 Lady Moura

2. Dubai: $350 Million
Dubai is formerly known as “Panhandle” and “Platinum”. The yacht is currently owned by Sheikh Mohammed bin Rashid Al Maktoum, the ruler of the Emirate of Dubai and the Prime Minister of the United Arab Emirates. This yacht is 524 ft and 10 inches (162 m) long. The interior of the yacht designed by Philippe Starck. This yacht can host 115 guests with 88 crews. It has large pool, squash court, helipad and small aircraft hanger.

 Dubai

1. Eclipse: $1.2 Billion
Eclipse was launched on June 12th, 2009. It’s a mega yacht owned by Romah Abramovich. It’s 528 feet (164 meters) and become the world’s largest private yacht. Eclipse has 2 helicopter pads, 11 guest cabins and 2 swimming pools. It also has several hot tubs and disco hall. You can find 3 launch boats and mini submarine that can submerging to 50 meters. The yacht is operated by 70 crew members. This yacht was constructed by Blohm + Voss in Hamburg, Germany. It’s fitted with intruder detection systems and a German-built missile defense system. It’s also reported to be equipped with an anti-paparazzi shield in the form of lasers that sweep the surroundings, and when they detect a CCD. It’s such a luxury yacht with high technology inside.

 Eclipse

Do you want to own the most expensive yacht in the world? I guess you should prepare enough money not just for buying it but also for its maintenance and insurance.

The Logo Evolution of 15 Corporate Brands

As we already know that Logo is the identities that are fundamental to building a brand and communicating with the target audience. Probably you have seen most of these logos everywhere, but have you ever wondered about their evolution, their background? Did you know that Apple original logo was Isaac Newton under an apple tree or have you ever wonder where the Mercedes-Benz Brand And The Three-Pointed Star logo came from? Below we listed 15 Corporate Brand Logo Evolution with their fascinating stories.

 

It is one of the biggest consumer electronics and Software Company, best known for products like Macintosh, iPod and iphone. Steve Jobs, Steve Wozniak, and Ronald Wayne had together setup Apple in 1976, to sell their hand-built computer Apple I. They had offered their product to HP first but were declined by them. I think HP would still be regretting this today.
The road to success wasn't easy for Apple, and Wayne liquidated his share in the company for a mere $ 800. After the launch of Apple II in 1977, things started to look up for Apple and we all know what heights the company has reached since then.
Apple II was successful mainly because it had colored graphics. Great and simple design, has always been the USP (Unique Selling Proposition) for Apple, and their logo is no exception. When Apple was started, the logo was a complicated picture of Isaac Newton sitting under a tree. This had been designed by Jobs and Wayne, with the inscription: "Newton ... A Mind Forever Voyaging Through Strange Seas of Thought ... Alone." Frankly, I don't think it was just a coincidence that Apple had slow sales during this period.
However, Steve Jobs hired Rob Janoff to simplify the logo, which turned out to be a great idea. Rob created the ‘Rainbow Apple' which was the logo for company till 1998. There are many rumors as to why Rob had chosen to create such a logo. One of them says that the Apple was a tribute to Newton (discovery of gravity from an Apple), and since the USP for Apple at that time was colored graphics, it had the rainbow colors. Another explanation exists that the bitten apple pays homage to the Mathematician Alan Turing, who committed suicide by eating an apple he had laced with cyanide. Turing is regarded as the father of computers. The rainbow colors of the logo are rumored to be a reference to the rainbow flag, as homage to Turing's homosexuality.
Janoff, however, said in an interview that though he was mindful of the "byte/bite" pun (Apple's slogan back then: "Byte into an Apple"), he designed the logo as such to "prevent the apple from looking like a cherry tomato."
When Apple launched the new iMac in 1998, they changed their logo to a monochromatic apple logo, almost identical to the rainbow logo. Now, the Apple logo comes with nice gradient chrome silver design. It is one of the most recognized brand symbols in the world today, and the shape is what identifies the company more than the color.

Audi is a German brand which produces cars and is a part of the Volkswagen Group. The company was founded as A. Horch & Cie by August Horch in 1899, and its origin has a very interesting story. August Horch, a German Engineer, was forced out of his own company in 1909, after which he continued to use the old brand name of Horch. However, his partner sued him for trademark infringement, and Horch was forced to look for a new name.
After this the company was named as Audiwerke GmbH in 1910. In 1932, four car makers Audi, Horch, DKW, and Wanderer merged to form Auto Union. The four interlinked rings that would later become the modern Audi logo, was originally the logo of the Auto Union. Initially the Auto Union logo was used only for racing cars and the four companies continued to produce cars under their own brands. Finally in 1985, the Auto Union became the Audi company we know today.
in 2009, Audi introduced new logo which is also the current one. The modern Audi logo shows a three-dimensional texture and shadowing, resulting in a polished chrome look. The Audi name is now smaller, has moved away from the center to the bottom left corner, while the font has changed as well.

The company had always wanted a global perspective, and the logos reflected the same as early as 1934. A specialized advertising designer had created the logo which included typeface never seen before in Europe or North America.
The first camera launched by the company in 1934, was named as Kwanon, after the Buddhist goddess of mercy. The logo included the wordings and a picture of the goddess with 1000 arms and flames.
As the years went by, like all other logos we have seen above, the company strived to make the logo as simple and memorable as possible. The logo had only been trademarked in 1935, and after that a lot of designing work went into making the logo more balanced. After 1956, the logo hasn't been changed, but the designing effort is clearly visible in their simple but classic logo.

Henry Ford used to work for Thomas Edison. He founded two companies before settling on Ford. His first company went bankrupt after just two years, and he left the second company after just one year. However, the second company became Cadillac later on. His third company, founded in 1902, was called Ford & Malcomson, Ltd.
He was unable to pay the bills for parts in his third company, but some investors agreed to put money in the company, and it was renamed as Ford Motor Co. This is the company name in the first logo of 1903. The 1909 logo, which has a similar font as today's logo was borrowed from Childe Harold Wills, who had made this font for his business card.
In 1912, the Ford logo was given a complete makeover, as compared to the earlier simplistic design. When a car was launched in 1927, called Model A, the famous blue oval was introduced in the logo. This was the shape and color, on which all future Ford logos have been made.
The company has experimented with different shape going from ellipse to circle, and even a diamond like shape in 1957. The 1976 logo was essentially, the last major change in the symbol, and is very similar to their current logo. Finally, in 2003, the company released a new logo, which came to be known as "Centennial Blue Oval".

As you would observe from the logos above that IBM was earlier known as The International Time Recording Company (ITR), whose major products were mechanical time recorders, invented and patented by Willard L. Bundy in 1888. So in the earlier periods the logo of the company had ITR inscribed on it. Later in 1911, ITR was merged with the Computing-Tabulating-Recording Company, which is why you will see that both ITR and CTR are there in the 1911 logo.
In 1924, the Computing-Tabulating-Recording Company adapted the name International Business Machines Corporation. The ornate, rococo letters that formed the "CTR" logo were replaced by the words "Business Machines" in more contemporary sans-sarif type, and in a form intended to suggest a globe, girdled by the word "International." In 1947, IBM decided to drop the globe from its logo, which was by then quite familiar amongst the people. The logo was not the only change in 1947; it was accompanied by a change in business from the punched-card tabulating business to computers. The typeface of this logo was called Beton Bold.
In 1956, before Thomas J. Watson, Sr died he appointed Tom Watson, Jr. as the CEO. Tom Watson, Jr. decided to project the beginning of a new era in the company, for that he changed the company's logo as well as the actions. Paul Rand designed the new logo which represented that the changes in the company would be subtle and will not disrupt the continuity. Also, the new logo looked more solid, grounded and balanced.
Another change in the logo was designed by Paul Rand which had stripes instead of the solid font. It depicted ‘speed and dynamism'. Since, then the logo has more or less remained the same, and the design has been recognized and replicated all over the world.

Interestingly, Kodak was the first company to integrate its name and looks into one symbol in 1907. After 1935, Kodak predominantly used yellow and red colors and the complete name of the company. First time the Kodak name was completely written in the logo in 1935, which began the use of yellow and red colors as well.
In 1960, they tried to show a flip page as a logo, but was changed to a box and graphic "K" element in 1971. I think the logo in 1971 was quite trendy, but it might have been a little complex. Retaining the 1971 concept, there was a slight variation in the font in 1987. The new font looked contemporary.
Again, like other companies, Kodak decided to simplify their logo in 1996, and removed the boxes. The red color gives a more brighter and structured feel of the company. In 2006, again a slight variation was made in the logo with a rounded ‘a' and ‘d', to give a contemporary look.

Mercedes Benz

The Mercedes-Benz was formed by the merger of two car companies – DMG (Daimler-Motored-Gesellschaft, founded by Gottlieb Daimler) and Benz & Cie, founded by Karl Benz. Both the companies were similar in their work and were situated in close proximity.
It was after the World War I, when the German economy was shattered, that both these companies decided to from a syndicate in 1924, and then finally merge in 1926, called Diamler-Benz.
In 1902, the logo for Mercedes was nothing more than the simple company name. However, it was changed to a 3 pointed star in 1909. The origin of this star came from a postcard by Diamler, where he had drawn a 3 pointed star which represented ‘making vehicles in land water and sky'.
After 1926, a new symbol for Mercedes-Benz came into picture, where the original logo of both the companies was merged into one. It combined the 3 pointed star of Mercedes and the laurel wreath of Benz.
Over the years, the symbol has been improved vastly in design and simplicity. It has been recognized as a symbol representing luxury and top tier cars.

Microsoft

The Microsoft story began in 1975, when Bill Gates and his friend Paul Allen coded the first computer language for a PC and named it BASIC. Soon they named their partnership as Micro-Soft which explains the first logo of the company.
They changed the logo in that year itself and dropped the hyphen too. For the next 12 years, the logo had a distinctive O. The employees called this as "Blibbet". It is said that at that time, the Microsoft cafeteria even had a double cheeseburger named ""Blibbet Burger".
When a new logo came on in 1987, there was a campaign within the company to "Save the Blibbet". But, this couldn't stop the company from adopting a new logo. The logo designed by Scott Baker, came to be known as "the Pacman logo" due to the distinctive cut in the O.
In 1994, they integrated their tagline ‘Where do you want to go today?' within the logo. This was widely mocked and the company kept trying different taglines like People Ready, Start Something, Making it Easier etc.
The new 2008 logo has all the text in Italics (including the tagline), but the look of the logo has remained pretty much the same. Basically, the company is so well renowned already, that I don't think the logo needs to change, since people already recognize and connect with it worldwide.

Mozilla Firefox

An open source web browser, created by Dave Hyatt and Blake Ross, was first of all named as Phoenix, which is visible in their first logo in 2002. Due to some trademark issues, the name had to be changed to Firebird, but the name was chosen so that they would be able to retain the same logo.
Unfortunately, this name also had trademark issues because of existing software. Then, they finally got lucky and chose the name Firefox, which has become one of the favorite and most used browser worldwide. In 2003, the now famous logo was designed by professional interface designer John Hicks.
The logo depicted a Firefox engulfing the whole world, which also signifies the global reach that the company strived for. There has been a minor change in the logo since then, with the colors of the continents using a lighter blue color, just to differentiate them better from the oceans.

Nike

Nike probably got the best deal amongst all companies when Caroline Davidson designed its logo for just $35 in 1971. The main part of the logo hasn't really changed with time. However, I don't understand why they waited for 7 years before they realized that the text and the swoosh were overlapping each other.
As the brand gained recognition, the company name was dropped from the logo, which made it more simplistic and memorable. The company has different variations of this logo for its various departments like Skate, Soccer etc.

Nokia

‘Nokia' in Finnish means means a dark, furry animal we now call the Pine Marten weasel. However, this has little to do with the current business and brand image. The origin of the company name, can rather be attributed to the setting up of the wood pulp mill (set up by Knut Fredrik Idestam), on the banks of Nokianvirta river in the town of Nokia.
The Nokia Corporation was formed as a merger of Finnish Rubber Works (which also used a Nokia brand), the Nokia Wood Mill, and the Finnish Cable Works in 1967. The company has sold a variety of products in the past including television, shoes, car tires and others. The evolution and the meaning of the logo is unclear due to the changing business over the years.

Pepsi

Today, one of the biggest soft drinks company, was first started by Caleb Bradham in 1890's. Initially named as Brad's drink the name was quickly changed to Pepsi-Cola, which is visible in the first 1898 logo. Finally in 1903, the name was trademarked and hasn't been changed till date.
In the early years, Brad made custom logos for the brand as it became more famous. In 1933, the company was bought by Loft, Inc. The company changed the bottle size from 6 to 12 oz. and came up with the ‘Refreshing and Healthful' logo.
However, the major breakthrough in the Pepsi logo design came in 1940's. Walter Mack, the CEO of Pepsi came up with the idea of a new bottle design, with a crown having the Pepsi logo. The ‘Pepsi Globe' emerged when USA was in WWII, and to support the country's war efforts, Pepsi had a blue, red and white logo.
This logo became hugely popular, and went on to be the identifier for the company. As a result, in 1950 and 1962, this bottle cap with the swirling blue and red became prominent in the company logo. During the 1960's when it became even more popular, the script was changed from the curly red, and the main attraction was on the bottle cap in the logo.
We see the first appearance of the Pepsi Globe instead of the bottle cap in 1973. The typeface was made smaller so as to fit in the globe. The Pepsi Globe was "boxed in", with a red bar coming in from the left and a light-blue bar coming in from the right.
In 1991, the typeface was moved from inside the globe. The red bar was lengthened and the typeface came on the top of the globe. In 1998, the white background in the logo was replaced by the blue color, which also resulted in dropping the red horizontal band. The globe now had 3D graphic and larger than earlier versions. It might be that since, Pepsi and the globe touch each other for the first time in the logo, the name ‘the Pepsi Globe' was given to the logo.
After 1998, it seems that Pepsi had decided to give the globe more prominence than the script itself. So, the globe came on top of the script in 2003, and in their current logo they have done away with the script altogether.

Shell

Back in 1900, when the company was started the logo was a realistic and simple shell which lies flat on the ground. This was a pectin or scallop shell, but today the company has a logo which is bold, colorful and much more simplistic.
The evolution of the logo began after 1915, when rendering enabled the company to reproduce its identity easily. This is visible in the 1930 logo for the company. When the company started a project in California, it added the red and yellow colors to the symbol. The colors help Shell to stand out. Additionally, these are the colors of Spain, where many Californian settlers were born, which might have helped the company to create an emotional bond with the people.
With the advent of internet and fax machines over the later years, it became necessary for the company to simplify their logo, which would prevent it from being distorted in small images. The 1971 logo designed by Raymond Loewy is very simple as compared to the earlier logos.
This has helped the company because this logo is more memorable and recognizable, accountable to the simplicity of the logo. The 1971 logo is still used by the company albeit with minor changes, but it has become so recognizable that it often appears without the company name now.

Wal-Mart

The company has tried out various colors and variation of the word Walmart over the years. In 1962, when Sam Walton started, the company, the logo had simply the word spelled in a very basic design.
The logo was changed in 1964, when a hyphen was added and the color was also changed from blue to black. This came to be known as the "Frontier Font Logo". The 1968 logo shown here is the discount city logo, which was mainly used for uniforms, in-store signing etc, but it was never used to advertise or even in annual reports. The 1981 logo changed the curly font to a more solid font, giving the company a more stable, established and balanced look. The hyphen in this logo was replaced by the star in 1992, and the familiar blue color of the logo returned for the first time after the company's inception.
Walmart is probably one of the few companies, who have tried so many logos, but their current logo is more like the original logo, other than any other intermediate logo. The font differs a little from the original and is indeed more stylish, but the ‘Walmart' word without a break appears for the first time after 1962. They have kept the star from 1992, but moved it to the end.
Xerox

The Xerox Company used to be known as the Haloid Company almost 100 years ago. But in 1938, Chester Carlson invented a technique called xerography which we today call the photocopy technique. Unfortunately no one was willing to invest in his invention, and many big giants like IBM, GE, RCA and others decided not to finance this invention.
But Haloid Company decided to go with Chester and made the first photocopying machine named Haloid Xerox 14. As can be seen in their logos, the original Haloid word which was prominent in the company's logo before 1961 was completely replaced by Xerox due to the immense success of this idea.
They retained almost the same logo from 1961 to 2004. But in 2004 there was a problem with the Xerox books and it tried to reinvent itself with a new logo. People associate the company only with photocopy machines, and that has been a major problem for Xerox.
The company changed its logo in 2008 to get away from this stereotyped image, by changing the font of the word. They also added a ball which has a stylish X instead of their ‘boring' X in earlier times According to Anne M. Mulcahy, Xerox's chief, that little piece of art represents the connection to customers, partners, industry and innovation.

Your Guide to earn money at home using internet :1/3 the Google Ads Guide

Nowadays, life become so expensive and financially insupportable, not because of life dependency like food, telecommunication, insurance,… but also there is some work related expenses like transport expenses, eating “out-home” expenses ,… add to that, time wasting and physical fatigue while going to work.

With all those problems linked to work “out-home”, we add the possibilities to lose your job due to possible global financial crisis which will make the situation more difficult.

But, Thanks to internet all that become only a story which you can tell to your grandsons , because now you can earn the double of what you use to earn while sitting at home doing all your home duties, and save the out-home related expenses.

This article will teach you how to earn money at home using only your laptop, your passion to do things and Google AdSenser System.

What’s a Google AdSense system:

Google Ads is the best system to earn money on the net. However Creating a Google Ads account is not easy as before, you must through several stages to have and approved account by the experts of Google, but like any system, Google Ads has its weaknesses and following all the steps provided in this article you can create an AdSense account that works fine and well and you can start to earn money on the net.

Choose the platforms to work with:

Many Platforms that you can use to host your passions, and this is a non-exhausted list:

Blogger

Weebly

Yola

Wordpress.

Or you can host in your own web site using systems like joomla,…

But the easiest one is Blogger because you earn 100% of what you earn (not like Weebly and Yola which let you earn 50% only), and because it is 100% free of charge so you invest 0%.

Creating a Google Account (supposing you will use Blogger as it is the the simplest one):

First of all, you have to create a Google account using the Gmail service provided by Google.

you can create an account from here:  mail.google.com/.

After doing that connect to your Google account and go to account setting:

you can do that from here : https://www.google.com/accounts/ManageAccount?hl=en.

Creating blogger Account:

After That You can create a blogger acount whitch is so easy because you just have click the blogger icon here : https://www.google.com/accounts/ManageAccount?hl=en. (look to the image above and click it to zoom) then follow the steps and you are done.

Or Create Directly From here : http://www.blogger.com/create-blog.g?hca=true

 

Then choose a model for your blogger blog:

  that’s it you can now use your blog:

 

Creating a Google AdSense Account :

Now every thing is easy, but before submitting for an AdSense Account you have to write some articles an enrich your blog with some content to be sure that Google’s team will saprobe your submission.

After doing that you just go to Monetize Tab and choose the first option :

Then you follow The Rest of The steps and that’s it.

now you have to wait for 2 days before your account approbation and then you began to earn money.

Place You AdSense AdS:

You go To Prestation Tab –> then Add a Gadget Then –> AdSence Gadget and that’s it save and add another one.

Note that You can Place only 3 AdS per Page and 2 thematic AdS.

Upcoming Google AdSense Tips And Tricks.