Money and job - Life of a webmaster

PaySend Invite code: 0d8425

Posted by Alex On April 22, 2022

Do you look for PaySend Invite code? Ok, you got it!

Your PaySend Invite code is 0d8425.

PaySend Invite code 2022

You can use this Invite code in 2022, 2022 or later.

How to use a PaySend Invite code?

Dear customer, if you received a Invite code, you can use it to make a free-of-charge international transfer in Paysend. To do please, use the following instruction:

Log in to your account via paysend.com or through a mobile application;
Enter the destination and either amount "to send" or amount "to receive";
Tick the "Have a code?" box and select "Invite code";
Enter the Invite code in the field that appears at the bottom and click the "Add" button;
Your transfer fee is now reset to zero;
Follow the instructions of the application to complete the transfer;
You can track the use of your Invite code in your transaction history;
In case the transaction was unsuccessful you can re-use your Invite code later

*Invite code only applies to international transfers

PaySend user review

I wanted to advertise Wise (TransferWise), but I could not make a transfer…

Posted by Alex On July 29, 2021

TransferWise renamed Wise

You may not have heard the name Wise when it comes to cheap international money transfers, as TransferWise recently changed its name to Wise and even changed its website address.

Wise is not a new company, it is a well-established English company with the cheapest international transfers.

I have been using PaySend for a long time and with pleasure for cheap international transfers, for example, see one of the latest articles “International PaySend transfers - real customer feedback (2.5 years of experience, dozens of transactions)”.

I do not have any attachment to this or that company for international transfers, the most important thing is reliability and minimal commissions, so I also considered Wise (TransferWise), I did a comparison of the cost of a transfer and it turned out that Wise is even slightly more profitable than PaySend, for at least the first free payment, see “TransferWise overview: international transfers and multi-currency debit card”.

And although Wise is more profitable, I have not made a single international payment through this company. Nevertheless, I received my £50 bonus and successfully withdrawn it to my Thai account (by the way, £50 is only THB 2,228.15).

How to use Wise (TransferWise) to receive and send money transfers

In order to withdraw the bonus, I had to:

scan both sides of my Thai driver's license
take my photo with a driver's license in hand
inform my mailing address

Let me remind you that to send international payments via PaySend, you just need to know the recipient's card number – and that's all you need (or the recipient's bank and account number, if you are sending to bank details). You do not need to report anything about yourself – as such, there is just no “verification”.

In Wise, you don't just need to be verified – you need to send your ID with every (!) transfer. I don't understand what is the point – after all, everyone will still send the same file, once photographed or scanned document. But this is the European Union – it should be so there…

Well, since I still passed the verification, I decided to write instructions on how to make money transfers through Wise.

And… I failed – I could not make the transfer…

It was like this – I filled out all the forms, re-sent the Thai driver's license scanned from both sides and received a reply - “Verification problem - Sorry, we can't accept the document you sent us”.

Once again, the same document, the same file, scanned (and not photographed) by which I have already withdrawn money – they cannot accept… How so?

I wrote to the support service with this question – they answered me, more on that below.

In parallel with this, I canceled the transfer and started a new one (you never know what a glitch). At this stage, it turned out that now I no longer have a discount on the first transfer, and taking into account the commissions, the international money transfer has become more expensive than through PaySend…

The support service answered me a day later:

Sorry, we couldn't read the details on your ID.

To verify you, we need to read what's printed on your ID.

When you take a photo of your ID, please make sure we can see:

The whole document — everything on it should be readable.
Both sides of the document, if you're sending us a driver's license or a national ID card.

You can upload a new photo by clicking the button below.

They cannot read my document. Here is my document, I closed the numbers, but I sent them without erasures. For the first time, this same document, this same file, they were able to read…

In general, I failed with Wise…

And I'm clearly not alone. For comparison, I decided to calculate how many transfers were made according to my recommendations in PaySend and in Wise (TransferWise).

In PaySend, I can calculate the number of transfers according to my recommendation only approximately, the fact is that I receive my bonus only for the second transfer. If someone made one transfer, then I will never know about it – such statistics are not shown by the user. So, the second or subsequent (up to the twelfth and only within one year) transfers according to my recommendation in PaySend were made 787. Also, I do not receive bonuses for internal (within one country) transfers and they are not displayed in my statistics in any way. In reality (according to the very minimum estimates), more than a thousand international PaySend transfers were made on my recommendation (in reality, most likely, the figure is in the region of 2-3 thousand). I myself have made dozens of international transfers in PaySend.

Moving on to the Wise statistics (TransferWise) – I already said that I received a bonus, so it is not zero.

Here is a list, it is a little incomplete (there are below users who registered, but did not make any transfer). So, on my recommendation, six international transfers were made to Wise (TransferWise) (four of which qualify for a bonus).

In general, the difference is two or three orders of magnitude… And this despite the fact that Wise has a lower commission (at least for the first international money transfer).

In general, it is not always a matter of price. In terms of complex indicators of quality (value for money, convenience), PaySend outperforms Wise in international money transfers.

PaySend promo code for the first transfer without commission: 0d8425

Wise (TransferWise) promo code

I didn't do well with Wise (TransferWise), but you might be better, so if you want to make an international money transfer without commission, then use this link: https://wise.com/invite/u/alexeym193 - it contains Wise (TransferWise) promo code. You can send a commission-free transfer to Wise in the amount of up to 500 GBP (British pounds – the rate is slightly more expensive than the US dollar).

By the way, if in Wise (TransferWise) you send money to yourself, then verification for these transfers is not required – if you transfer your own funds from one country to another, then in Wise there are not such strict rules for such transfers.

How to withdraw more cash from an ATM in Russia

Posted by Alex On April 14, 2021

How to withdraw money from a foreign bank card in Russia

You need to remember the following nuances:

limit on cash withdrawal at foreign ATMs set by your bank
limits of ATMs themselves in the Russian Federation
your bank's commission for withdrawing cash abroad
local ATM commission in the Russian Federation
do you want to withdraw rubles or currency?

In addition, there may be simply unforeseen circumstances – for example, I have two cards from different foreign banks, with one of them I can withdraw cash without any problems, and the other does not withdraw cash at all – regardless of the amount.

If you want to withdraw currency (not rubles), then you need to try to find such ATMs, especially if you live in a small city. Let's talk about withdrawing rubles.

To find out the limit of your bank for withdrawing cash from foreign ATMs – see the descriptions of your tariff, each bank has its own value, even for one bank this value may differ depending on the selected tariff. For example, my bank has 100 thousand baht (about 3.2 thousand dollars) limit.

Your bank's commission for cash withdrawal abroad is again individual, for example, for Thai banks it is 100 baht (about three dollars).

The commission of a local ATM in the Russian Federation – in those ATMs where I withdrawn cash, there is no commission, as it were, but, most likely, it is simply included in the currency conversion rate.

Limits of ATMs of the Russian Federation for withdrawing cash from a foreign card

Actually, this is the same information, because of which I began to write this article – it was this information that I lacked most of all. Because I needed to withdraw a large amount from a foreign card, but visiting an ATM takes time, and for each operation the commission is 100 baht, so I had to withdraw the largest amount possible.

Limit on cash withdrawal from a foreign card at Sberbank (Сбербанк)

At present, only 7 thousand rubles can be withdrawn from a foreign card at Sberbank ATMs (previously there were only 5 thousand rubles).

Limit on cash withdrawal from a foreign card at the Moscow Industrial Bank (Московский индустриальный банк)

The limit for withdrawing money from a foreign card has not changed for a long time and is 20 thousand rubles.

Limit on cash withdrawal from a foreign card at VTB (ВТБ), Otkritie (Открытие)

VTB and Otkritie banks are partners and clients of any of these banks can withdraw cash from an ATM of any partner bank without commission. By the way, there are several more banks in partnership, here I mention only those whose ATMs I used.

At VTB ATMs and Otkritie Bank, you can withdraw 100 thousand rubles at a time. More precisely, you can withdraw 100 thousand rubles at a time only if the ATM has five thousandth banknotes, since the maximum number of issued banknotes is 40. That is, if the ATM has only thousandth banknotes, then you can only withdraw 40 thousand rubles. But if you don't care about the commission, you can repeat this operation two and a half times.

By the way, you can withdraw 100 thousand rubles again only the next day. Moreover, you are remembered not only by a particular bank, but also by all its partners. For example, if you withdraw 100 thousand from VTB and immediately go to the ATM of Otkritie Bank with the same card, then it will not give you money.

UPD: I wanted to add a link to the list of partner banks, but did not find any information on the official website – only outdated data on third-party resources. In general, perhaps something has already changed.

Limit on receiving cash from a foreign card at Tinkoff bank

In my city there are a couple of Tinkoff ATMs and I had special hopes for this bank – they write that the bank is advanced, that there used to be many ATMs with dollars, and so on.

Do you know what is the limit for withdrawing cash from a foreign card at Tinkoff ATMs? I don't know either, the fact is that this “advanced” ATM cannot work with PIN codes longer than four digits. Yes, for Russian cards, a four-digit PIN is usually set, but for my Thai cards, the PIN is six-digit. You know, Sberbank ATMs can accept a six-digit pin code. All other ATMs mentioned can accept a six-digit pin code. Absolutely all payment terminals in any Russian store can easily accept a six-digit pin code, but Tinkoff’ ATMs cannot. Shame, shame.

What does “Programmable Search Engine revenue sharing changes start April 30th, 2021” mean?

Posted by Alex On April 2, 2021

The other day I received this letter from AdSense:

Programmable Search Engine revenue sharing changes start April 30th, 2021

Beginning April 30th, 2021, we will discontinue revenue sharing on the following search engines:

•

The public URL - a link provided for a Google hosted public page for your engine that hosts both the search box and the search results

•

The Google hosted layout, in which only the search results are displayed on a Google-hosted webpage

Search engines that fall into the two above categories will continue to show ads, but no revenue will be shared.

What does this mean for me?

•

To continue sharing revenue, you’ll need to use the Search Element deployed on your own site, which will continue to allow for monetization.

What should I do next?

•

Please review the developer site for more information.

Do you understand something? I did not understand anything, especially this text is difficult to perceive in a localized version.

The bottom line is that in the search results on your site, ads will still appear, but Google will take all the money for this ad.

“The Google hosted layout” - what is it? I suspect this is the layer on top of the site that the search results are showing, or am I wrong?

The links lead to pages with technical documentation, which does not increase the clarity of the question – does this mean that the "Search engine" blocks made in the AdSense dashboard will no longer make money for the site owners? Or does this not apply to these blocks?

From the documentation and from the AdSense dashboard, links lead to https://cse.google.com/cse/all, sometimes to https://programmablesearchengine.google.com/cse – both show the same thing.

The string “Programmable Search Engine” from the letter and the subdomain programmablesearchengine.google.com hint that these are related things.

On the Programmable Search Engine settings tab, you can see the line “Edition - Standard with revenue sharing”.

And you can also see “Public URL” there – yeah, the first paragraph of the letter “The public URL” refers to this, that is, if you search on a page like https://cse.google.com/cse?cx=d95930401ffbc147a, then there will be advertising, but you will not be given money for it.

If you click on the “Get code” button, then the code is approximately the following:

<script async src="https://cse.google.com/cse.js?cx=d95930401ffbc147a"></script>
<div class="gcse-search"></div>

Does this apply to “The Google hosted layout, in which only the search results are displayed on a Google-hosted webpage” or not ?!

Technically, an overlay could very well be a “Google-hosted webpage”, that is, a page loaded from Google that is displayed on top of your site. Even an ordinary search block on a site, from a technical point of view, can be a page hosted on Google, which was asynchronously loaded and displayed on your site.

In general, the sent letter is a clear example of how not to make notifications, since nothing is clear from such messages anyway.

Or vice versa – this is an example of how to make a notification, if you want no one to understand anything …

After all, I managed to figure out what “Google-Hosted” is.

The search box is placed on one of your webpages. The search results are displayed on a Google-hosted webpage, which can be opened either in the same window or in a new window.

This means that the upcoming changes will not affect the Search engine blocks created in the AdSense dashboard.

So, they will no longer share the profit if:

Search form and results are placed on the Google page
The search form are placed on the site, and the search results on the Google page

Search engine ad: why nothing was found and why it doesn’t show ads

Posted by Alex On April 1, 2021

The ability to set up custom Google searches on your site has been available for at least a decade. Including displaying ads. But now there is a special block in AdSense called “Search engine”.

What is the profitability of search pages

Approximately 1 person out of 100 visitors to the site will search for something on it. About 1 out of 100 people looking for something will click on the ad. On my sites, search results pages bring in several times less than regular pages. That is, Programmable Search will generate some tangible income only if you have really large volumes of traffic.

But this search has other advantages as well:

you can set up a search for several sites at once – that is, if a user entered a query that is answered not on this one, but on your other site, he will see it in the search results
using search, you can promote pages (make them appear in any results), for example, with CPA or others

In any case, the site needs a search. And the Google search engine is very good, well, plus some kind of earnings.

Using it is nowhere easier – create a block, add the code to the site in the widgets and you're done! If you previously (many years ago) set up the code for search when you gave two snippets of code – one for the form and the other for the results – now you don't need it by default. By default, the results are shown directly in the widget itself.

How to create a Google site search form

In AdSense, go to Ads → Overview → By ad unit. And select “Search engine”.

On the page that opens:

Enter the name.
List the sites you want to search (one on each line).
Enter a search string to see examples of results.
Click Create button.

When entering a list of sites, the following help is given:

Specify a list of sites to search, one per line. You can add any of the following:

Individual pages: www.example.com/page.html
Entire site: www.example.com/*
Parts of site: www.example.com/docs/* or www.example.com/docs/
Entire domain: *.example.com

If you follow these tips, you might think that you must specify “*.suay.site” to enter a domain, but in fact, “suay.site” also works (that is, both options do not work, but how to fix it – see below ).

Everything is ready – copy the code and paste it into the website widget.

We check the search on the site and… nothing was found.

Why nothing was found in the Search engine ad unit

Go back to the ad review and press the edit button.

The Programmable Search Engine editor will open.

Scroll down the page that opens until you see the “Sites to search” section.

We click on each site and instead of “Include just this specific page or URL pattern I have entered”, switch to “Include all pages whose address contains this URL”.

There is no need to change the code – it remains the same.

We check - now everything works.

Why does the "Search engine" block not show ads?

To answer this question, you need to go to Setup → Ads, there you will see:

Note: in order to ensure a high quality experience for our advertisers, we are reviewing Programmable Search Engine ad traffic quality. It may take several weeks for revenue sharing to begin.

That is, there may be no advertisements for the first few weeks – nothing can be done, you have to wait.

By the way, check that “Search Engine Monetization” is enabled in the same place.

How to Change the Design of the Adsense Search Engine Ad Block

By default, search results are shown below the input form, stretching into a long “sausage”. You can change that. To do this, on the “Programmable Search Engine” edit page, go to the “Look and feel” tab and select the desired search results design.

On the Suay.site, I chose the “Overlay” option, that is, search results are shown in a large area that overlaps the page content.

When adding sites or changing the design, the ad unit code does not need to be changed.

How to promote pages through website search

On the Programmable Search Edit page, go to the Search Features tab and move the Enable promotions slider to the On position.

Add the pages you want to promote.

International PaySend transfers - real customer feedback (2.5 years of experience, dozens of transactions)

Posted by Alex On March 7, 2021

As you can see from this screenshot, I first used PaySend in August 2018.

Since then, I have learned how to send money without bank fees, I compared the hidden fees of Western Union with PaySend and it turned out that PaySend is more profitable. In general, I have been actively using PaySend for 2.5 years, during which I have made dozens of international transfers.

PaySend is my main way of transferring money abroad. Therefore, I have a story to tell.

Here are examples of my translations:

January 2020:

December 2019:

August 2019:

May 2019:

April 2019:

That is, there were large and small translations. Successful and sometimes failed.

Failed PaySend transfers

The most important thing to say about failed PaySend transfers, all money was returned in full to the original card. I didn't need to take any action.

Some transfers did not go through due to the size of the amount. Transfers were rejected by the recipient bank several times. In the first case, the money was returned to the card immediately. In the second case, the money was returned when the recipient bank rejected it.

For example, empirically it turned out that Sberbank easily passes the amount of 40 thousand rubles from a plastic card, and transfers for large amounts are not possible. But several transfers of 40 thousand rubles per day can be made.

Hidden fees

At the very beginning of working with PaySend, I noticed that the conversion currency rates from PaySend are much more profitable for the sender than from Western Union, in which the currency conversion rate includes a large hidden commission.

See for yourself, when sending 10,000 rubles via PaySend, I will receive 4026.69 THB:

And when sending 10,000 rubles through Western Union, I will receive 3889.42 THB:

The difference is 137.27 THB, from 100,000 rubles there would be a difference of 1372.7 baht, that is, thanks to PaySend, you can save $45 - this is very good.

In general, currency conversion rates are still quite acceptable. And if you compare with bank transfers and their commissions, then everything in PaySend is just fine.

Convenience

PaySend has no competitors here. Even if we compare it with Western Union, where now you can also send money to a bank account (no need to go to a special office), using Western Union causes some difficult sensations - a slow website, some awkward login procedure, short sessions, regular failures in work (with Western Union I also have a lot of experience, but PaySend won the competition and now I do not use Western Union).

Everything just flies in PaySend.

Tips for using PaySend

Although the PaySend commission is tiny - about $1 regardless (!) of the transfer amount, you can save even on it.

You can send without commission:

First payment using Invite code 0d8425
All international payments by bank details (and not by card number)
Once a month to a Mastercard for international transfers
1 transfer without commission if you specify and confirm e-mail
Invite code for one free international transfer (can be the second, third and any subsequent): PS10

Conclusion

In general, I definitely recommend PaySend for international payments. It is convenient, simple, fast, cheap and safe.

PaySend Invite code for the first transfer without commission: 0d8425

Earning income from creating content for adults

Posted by Alex On February 19, 2021

Now you will be surprised at what I will talk about… Or maybe you will not be surprised… For some time I have been watching girls and even couples promoting their home content for adults through TikTok (there they are mercilessly banned for this), and via Reddit and Twitter (they don't ban adult content there), and then, ultimately, OnlyFans serves as a sales funnel.

I'm watching this and I'm… jealous.

What is OnlyFans?

You are probably already aware of “cam business”, when online models show something and do something for money. This topic has been around for many years. I don't know how good things are there now, but this is exactly the job - when you sit for hours in front of the camera. It's kind of tense.

So, in OnlyFans you can upload content for adults, and to view it, subscribers must pay. You work when you want.

To evaluate the adult content generated for TikTok, you can check the Twitter accounts of nudetiktokcom, WildTiktok and tiktokgonewild, or search for the #tiktokporn hash tag on Twitter.

From these videos, you can estimate that the appearance of the models is rather average.

An example of a model with average appearance jessandherbuns (nickname on Twitter), she wrote that working at OnlyFans brings more than her official work (though I can no longer find this tweet - apparently deleted).

Video editing is also different (from quite good gluing to slipshod ones), for “large” (several minutes) video, editing is not important at all.

jessandherbuns has been actively promoting through TikTok, she said that she was banned there many times. Now promoted through Reddit (short videos) and Twitter (photos, short videos, teasers, links to OnlyFans).

Twitter and pornography

Twitter does not ban for pornography! For any. Porn stars and porn studios have their own accounts there, and they regularly post the most hardcore scenes from new videos.

“Amateurs” are also not far behind, for example, I decided to search Twitter on any specialized topic, for example, “lactating, content for adults” and so that there was a link to OnlyFans: pregnant_porn_, jaychlo12, SexySecret4You, IAmRemyBlanco, milf_pregnant, Irelandsboobs, Katy_Hartlova, AmidalaLanna were quickly and easily found.

Working at OnlyFans

Hence the idea: while the next trip to Thailand, I would live in Pattaya, would find a “girlfriend” (like an extreme variant - a bar girl) and generate adult content on OnlyFans using spied social media promotion techniques. Whether as a part-time job or as a full-time job.

Even if this business will not roll well, I will assume that the “investments” (monthly "subscription" fees for a girl, for example) are in any case not wasted ))))))

In general, I have been thinking about it for a long time. And the more I think, the more I like it ))) Anyway, just in case, I've already started to burn fat…

How to use LocalBitcoins

Posted by Alex On May 14, 2020

I just completed my first trade at LocalBitcoins (I sold Bitcoins and received money on the card in a Thai bank) – and that was …super!!! Dizzying speed of work!

This is an instruction on how to buy and sell Bitcoins using LocalBitcoins in any country in the world. I will show an example of selling Bitcoin for fiat money with a transfer to a bank account. Here I also collected small LocalBitcoins FAQ.

What is LocalBitcoins for?

The LocalBitcoins service allows ones to buy and sell Bitcoins, as well as some other types of cryptocurrencies (altcoins). You can pay and receive money both in your bank account, other popular payment systems are supported as well.

A key feature – the service is international. And at the same time it is local for every end user!

Which countries does LocalBitcoins work in?

The service works in a large number of countries and with a large number of buyers and sellers. The full list can be found on the official website.

In Russia, access to the LocalBitcoins site is restricted.

Official site LocalBitcoins

The official site is localbitcoins.com.

LocalBitcoins Commissions

LocalBitcoins has fees for depositing and withdrawing bitcoins:

commission for account replenishment operation: approximately $1.5
per withdrawal: approximately $0.5

Commissions are set in bitcoins and are possibly floating.

The commission does not depend on the amount.

The service does not charge fees for bank transfers. There is also no commission between internal wallets.

LocalBitcoins Verification

Verification is very simple – an international passport, or a driver’s license, or another document is suitable — the specific list depends on your country. You need to send a photo of your document, and then take a photo using a webcam. After that, you will be checked in a few minutes.

How LocalBitcoins Works

Users post trades for the purchase and sale of bitcoins. You select the user with the most favorable rate and conduct a deal with him.

Since cryptocurrency rates are constantly changing, the courses on LocalBitcoins are also floating.

On LocalBitcoins, besides ordinary users (like you and me), there are many professional sellers and buyers who use automated programs to speed up the completion of trades and/or are online.

There are many users, so you will always find someone who works at the time you need.

If you want to sell Bitcoins, then you deposit them to the local LocalBitcoins wallet. You select a trade and enter amount of Bitcoins to sell. After that, Bitcoins are deposited (locked) and you cannot do anything with them. A Bitcoin buyer sends you money (for example, to a bank account). You check that the money really came and click the “Send Bitcoins” button. At this point, the trade is considered completed.

How reliable is LocalBitcoins

The rating system and the transaction algorithm itself at LocalBitcoins protects users from fraud.

You can see the number of transactions for each seller and read reviews about him. There are many sellers with thousands of transactions and positive reviews, that is, you can choose a very reliable buyer or seller.

Bitcoins are deposited for the duration of the transaction. If something went wrong, for example, the money was not received, then your Bitcoins will not go anywhere, the buyer cannot steal it – they will be frozen for the period of the arbitration proceedings. The partners must provide their evidence, for example, bank statements, receipts for the transfer, etc.

That is, if both partners are in good faith, then the transaction is very quick and easy.

If one of the partners is dishonest, then you will lose some time in the proceedings, but ultimately you will not lose money. That is, users are protected from fraud.

How to receive bitcoins on LocalBitcoins

Go to your wallet and select the “Receive bitcoins” tab. There you will see the wallet address – this is your internal wallet at LocalBitcoins. Send to it the amount of bitcoins that you want to sell.

Here you will see the size of the commission at the moment. This commission for an incoming operation is very small.

Money on LocalBitcoins internal wallet:

How to Sell Bitcoins on LocalBitcoins

After depositing money into the local LocalBitcoins wallet, I choose the country and method of payment. Then I choose the buyer with the best Bitcoin exchange rate. Please note that sellers and buyers have different limits for the minimum and maximum amount.

Carefully read the comment that the seller/buyer left for customers – there may contain important information, for example, in what format to send payment details in order a robot to process them. There may be other important conditions!

If all the conditions suit you, then enter the amount of the transaction. If you sell bitcoins, then specify the details where the money should be sent.

After clicking the “Send trade request” button, your bitcoins will be deposited, and your information will be sent to the second user.

As you can see, I had to get 16743.44 Thai baht. Within 1 minute after clicking on the “Send trade request” button, I received money in my bank account. Also, the second user sent me a screenshot of the receipt:

I received an SMS message on the phone:

Nevertheless, for complete certainty, I went into online banking and checked the receipt of funds.

After that, just click the “Send Bitcoins” button to complete the transaction.

This is an important point, make sure 100% that the money really came to your bank account:

How to buy Bitcoins on LocalBitcoins

The procedure is the same as shown above, only you will act as a buyer of bitcoins.

Are sticky (floating) AdSense blocks allowed

Posted by Alex On April 17, 2020

There is confusion around this issue, for several reasons:

AdSense sticky blocks are allowed but not always and not for anybody
AdSense Ad Policies are extensive and scattered across documents
On the AdSense support forum, different opinions are expressed, including opposing opinions on this issue

Who is allowed to use AdSense floating blocks

Sticky location blocks are allowed on Ad Exchange.

Also, blocks in floating windows can be allowed personally by Google Ad Manager. Such a manager contact publishers with a lot of traffic and income.

Obviously, Anchor ads are allowed, which are inserted automatically on mobile devices.

Did AdSense allow fixed (floating) ad units?

One of the users noticed that the paragraph disappeared from the “Ad implementation policies” page, that pinned blocks were prohibited.

He asked about this in the AdSense support forum in this thread: https://support.google.com/adsense/thread/13851765?hl=en. You need to understand that although this forum is hosted on the domain support.google.com, the opinion of its experts is neither official nor unequivocally correct. That is, if your AdSense account has been banned due to the advice given on this forum, it’s as useless to point to this forum on appeal as to any other website on the Internet.

And even at this forum, the opinions of experts were divided into:

No you can not
Sort of like you can, but better not.

But the AdSense Program policies page says:

“To ensure a good experience for users and advertisers, publishers participating in the AdSense program may not:

………………… ..
Place ads in a floating box script.
………………… ..”

That is, the rules explicitly prohibit floating AdSense blocks. By the way, this is about the level of expertise in the forum, where the respondents did not even bother to check the AdSense Program Policies.

To summarize

AdSense ads are not allowed in floating windows by default! There are a few exceptions for automated ads on mobile devices, as well as for large publishers.

If you see fixed blocks on small sites, then most likely the publisher is violating the AdSense rules. Such violations can lead to a suspension of advertising on the site, or even a ban account.

TransferWise overview: international transfers and multi-currency debit card

Posted by Alex On October 11, 2019

Perhaps you, like me, have heard something about TransferWise and the multi-currency card and want to understand these issues. I hope my little note will help you with this.

At first glance, TransferWise seemed like a very interesting topic:

cheap international transfers
multicurrency debit card

local details in a number of countries (in another country, money can be credited to your account as if a person were making a transfer to local details)

TransferWise is a service for making international money transfers. Why another service if you have WesternUnion, PayPal and others?

The key features of TransferWise are:

good currency conversion rate
low commission for transfers

Indeed, bank international transfer, as well as transfers through WesternUnion (due to hidden fees in the currency conversion rate) and PayPal (for international transfers, the commission is very high) is very expensive.

Comparison of Western Union and PaySend commissions showed that PaySend is much better than Western Union, that is, when sending the same amount, more will be credited via PaySend transfer.

But if you compare PaySend with TransferWise, it turns out that the latter is even better! For example, sending thousands of euros to Thai Baht with PaySend:

Sending the same amount via TransferWise:

And sending the same amount through TransferWise with a free commission (when registering using this link, the first transfer will be free):

That is, the most profitable international transfers can be done with TransferWise!

That is, it turns out that PaySend also lays a hidden commission in the currency conversion rate. And Western Union lays an even larger commission on the conversion rate.

Let me say about some disadvantages of TransferWise: when paying with a card, an additional fee is charged, transfers take a long time and they can only be sent to bank details (cannot be sent to a card, as in PaySend).

I prepared the following comparison table between PaySend and TransferWise:

	PaySend	TransferWise
To register, you need an ID	No	Yes
The beneficiary's bank details are required	No, the transfer is credited to the beneficiary's card	Yes
Instant transfer credits	Yes	No
Number of supported countries	Money can be sent from 49 countries to 70 countries	Money can be sent from 24 currencies to 58 countries
Can I transfer money from a bank card	Yes	Yes, but only with an additional commission
The amount of the commission	Fixed, about 1 US dollar (depending on the currency of sending)	Depends on the method of sending (bank transfer or from a card), as well as on the amount of transfer
Currency conversion rate	Better than WesternUnion, but worse than TransferWise	Better than WesternUnion and better than PaySend
First free translation	Yes (by promo code (0d8425)	Yes, when registering at this link.

Multicurrency app and TransferWise card

TransferWise allows you to have accounts in dozens of currencies and convert your money from one currency to another (with commissions). There is also a function of obtaining local bank details for the British pound, US dollar, euro and a pair of other currencies. This means, for example, if you work as a freelancer and receive an order from the United States, then the customer can pay your work for your details in dollars, and for him it will be a local (made within the country) payment! For you, this money will go to a multi-currency application, where you can convert it to another currency and send it to any of your accounts. Or spend them by shopping with a debit card.

To my great regret, the list of countries where they deliver the map is very small. You can find the current list on this page. There are only Europe and the USA.

Conclusion

If you are a freelancer and work with customers all over the world, then the multi-currency TransferWise card ‘must have’ for you!