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Google is the Internet, Too Big to Fail

By Frugaling 6 Comments

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google is the Internet, Too Big to Fail
Today, I woke up late, turned on my cellphone’s screen, and saw six new emails. I touched my fingerprint to the display, unlocked the phone, and briefly checked the messages. The contents and senders weren’t all that important though. What was striking, in this brief moment, was what I realized: Google is the Internet.

We’ve been living with the Internet as we know it for a couple decades now. Technology companies have come and gone, but the behemoths have grown to epic proportions. Amazon, Apple, Google, Facebook, and Microsoft have all become some of the largest companies in the world. But there’s a distinct difference between those other names and Google (or, Alphabet, as it’s now called).

The company launched on August 18, 2004 on the Nasdaq Stock Exchange as GOOG. The four-letter ticker symbol was met with great fanfare and excitement. People wanted in on this inventive company that was revolutionizing search, ads, and online video.

Founders, Larry Page and Sergey Brin, penned an IPO letter before the launch of the stock. They detailed how Google would be different from all the rest. Shareholders wouldn’t be given special privileges and likely wouldn’t benefit from dividends (any time soon). Their votes wouldn’t matter, as control of the company would steadfastly be kept with those in leadership. And the stock could trade wildly, as profits weren’t of utmost importance. Page and Brin wanted to, first and foremost, build great technologies.

This focus on innovation over quarterly profit gains was a winning combination. Alphabet now sits as the second largest market capitalization — to Apple — in America. From a scrappy startup to tens of thousands of employees and billions in profits, this has been a meteoric rise. But it hasn’t always been an easy ride.

Every step they took, they were met with scrutiny. Countless antitrust lawsuits suggest Google is being monopolistic or manipulating search results in their own favor. There are accusations that the company doesn’t respect user’s privacy, and can be easily compelled to hand over what they know to information-hungry government surveillance organizations. They’ve been sued for driving around neighborhoods scanning people’s wi-fi networks and locations, too.

Despite these challenges, their efforts don’t seem to be slowing. The company is creating new hubs around the country. Heck, just north of where I used to live in Colorado they’re building an extensive mini-campus for Googlers! Lest you think construction and new-hires are their only areas of growth, think again. Alphabet is branching into artificial intelligence in mind-bending ways, too. The team, aptly named Google Brain, is leading the charge to develop machines that think for themselves, learn, and become smarter. Right now, they’re capable of beating chess and go champions, moving objects more efficiently, and finding answers more rapidly. In time, it’s easy to see these technologies testing humans’ capabilities.

Amidst this rapid ascendency into artificial intelligence and machine learning is also a company with more earthly ambitions: storing the world’s data. When I get on my smartphone or computer, check my emails in Inbox by Gmail, type out a note about research in Google Drive, write new appointments in Google Calendar, conduct a Google Search to find the 2004 Founders’ IPO Letter for this article, check a stock price on Google Finance (GOOG is at $782 right now), and then wrap this all up by looking at photos from last week on Google Photos, Google is at the heart of it.

Importantly, amidst this growth is an important consideration: most everything is free. For the frugal people that follow my blog, I wouldn’t be surprised if you embraced this cost-effective solution as I do. If you use other technologies, you’ll be spending a small fortune in comparison to Google’s products. Want to get an Apple iPhone? It’ll cost you $600-800 off contract. Google’s smartphones cost about $300-400 less. Want to use a word processor? Microsoft’s will cost you about $10 per month for access. Google’s is free. Interested in getting a new laptop? A good Mac or PC could run you $800-1000. Google’s Chromebooks are about $200-500.

Yes, people will argue that you’re sacrificing your privacy. Some say, “If you use Google, you’re the product because they sell your data to advertisers!” While factually blurry, the gist is true. We’re exchanging this right to services (like the Google Doc I’m typing this into) for our data and privacy. Contrary to popular belief, no individual advertiser has my data; instead, Google aggregates the world’s data for its advertisers.

The cost savings that Google has handed to us has led to an information revolution. Schools can afford to reduce technology costs, while increasing students’ access to the Internet and productivity tools. If we want an answer to Pythagorean theorem, we just Google it. Want to take a free, online course? Google it and start watching the YouTube videos. The answers are there for the taking. Information has been democratized and it’s not because of a government agency or hardware manufacturer. It’s this one software and search company.

So here we are, with Google as the Internet. It’s everything we interact with and rely on to get things done; at least, for much of us. You might be thinking I love this progression, advancement, and technological prowess. But to be honest, I’m concerned.

Here we are in the 21st century, and one company seems to be leading everything. If there’s real competition, they either build their own competitor or swallow it up through acquisitions. People are getting rich — wealth is spilling into their coffers. Meanwhile, we place our trust, data, and reliance on this one company to handle it all.

We don’t get to vote on Google’s proceedings. They aren’t a government agency. What they choose to do with our data is their decision. And even if we used tools like Google Takeout to take everything off their servers, we’d probably end up using Google Search, YouTube, and other Google services to get through our day. We’re stuck with this Internet leader — for better and for possibly worse.

As much as I love the company and everything they’ve done to make the Internet more affordable to everyone, I wonder what it might look like if something failed, new leadership took over that wasn’t friendly to users, or if governments around the world started demanding even more from Google’s servers. Right now, Google is too big to fail. And just like banks, that’s a frightening proposition — no matter the cost savings.

Filed Under: Save Money, Social Justice Tagged With: Amazon, Apple, data, drive, Facebook, Google, internet, Microsoft, Photos, Privacy, Search, Servers, Too big to fail

Be Your Own Brand Ambassador, Not Someone Else’s

By Frugaling 13 Comments

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Buy things you don't need with money you don't have to impress

Please don’t make me wear the banana costume

My first job was for a smoothie company. I worked that summer selling overpriced juices of all sorts. One day they asked me to put on the infamous banana costume. I could immediately feel my face redden with embarrassment. I dreaded the outfit, and couldn’t understand why the company dressed employees like this and traipsed them out into the blazing summer heat to give away samples.

I was a lowly employee and only 16-years-old. I pretended to embrace the outfit and marched out the doors. I walked along the sidewalk, as passersby laughed and mocked me. It was the height of my acne days, too. My was face reddened and cracked from medications. The banana outfit framed my puberty perfectly. Then, a friend from high school strolled on by and took a picture of me. I was mortified.

A logo was emblazoned onto the banana costume, along with the polo shirt I wore underneath. The smoothie company owned space on my body, and I hated it.

Brand ambassador programs pay you to promote

When I entered college, I noticed numerous job opportunities to become a “brand ambassador.” These positions afforded students a little spending money to promote companies on campus. Marketing realized a simple idea: peers sell product better than television and Internet ads. If you can buy the peers, you have explosive earnings potential.

Both Amazon and Apple, for example, have brand ambassador programs. Oftentimes, their students are required to hold campus events, meet with administrators, and directly appeal to students on campus. They’re are expected to wear merchandise to represent the brand, use the hardware, and promote the products every chance they get.

These people get paid to use and advertise products they would already love! Then, companies benefit from greater revenue and influence on campus. It’s a win-win for companies and ambassadors.

Many of us market for free

Most of us are brand ambassadors for free; in fact, we pay companies to advertise for them. The bitten Apple logo beams brightly throughout many classrooms these days. It cost me thousands of dollars for the pleasure to share that brand.

People casually display their affinity, and few notice what they’re doing. Sperry Topsiders are paired with Ralph Lauren shorts and a Lacoste polo shirt. It’s easily a $300 look that feels like a walking billboard for spendthrift teens and college students.

iPhones are close at hand, and the iconic white headphones are jammed into ear canals. The world is dampened, but our senses are constantly exposed to others’ purchases. Ugg boots used to be everywhere — they’ve been replaced by Hunter rain boots. Both have well-positioned logos at the heel. Anybody walking behind them could see what they should buy next.

In wealthier places — whether college campuses or metropolitan areas — products are meant to be aspirational. Companies work tirelessly to frame their wares as synonymous with success. To wear and promote a brand is meant to be special — only afforded to the few.

Diesel, Armani Exchange, Coach, Gucci, and countless others are made “cool” by a society that accepts and loves brand ambassadorship. We just can’t help it! We’ve been socialized to appreciate the “unique” — logos just help us buy them faster.

Shed the logos and brands

I don’t want to be a walking billboard anymore. I don’t want people to ask me what brand I’m wearing. I don’t want people to be inspired by what I wear, and buy similar. Strangely enough, I’m also wired to feel flattered by their interest. Quite a conundrum.

Over the last couple years, I cleared out my closet of many aspirational and brand name clothing with gigantic logos. I don’t want to be someone else’s brand ambassador — especially without a regular paycheck. I want to be my own brand ambassador.

I want you to get to know me — the person within the clothes. I want you to meet me, not a terrifyingly large logo of a horse carrying a polo stick. More importantly, I want to see who you are. So, cover up the logos, rid your closet of excess brand stamps, and find your own look.

Filed Under: Minimalism, Save Money Tagged With: Amazon, ambassador, Apple, brands, buying, Consumerism, iPhones, logos, Wealth

Get a 10% Tax Refund Bonus with TurboTax 2014

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Intuit Turbotax Deluxe Federal State Refund Return Program

Tax season is nearly here! Over the last few months I’ve worked tirelessly to reduce my tax liability. One method I’ll use to receive an even larger bonus will be Amazon.com’s partnership with TurboTax. TurboTax is the leading tax preparation software and offers some of the best features for receiving your largest deduction ever. But for every dollar of my refund I put towards an Amazon gift card, I’ll get an extra 10% from Amazon!

For instance, if you receive a $1500 tax refund and download TurboTax from Amazon.com, you’ll be able to put up to $500 to a gift card with the 10% bonus! That can quickly give you an extra $50 for doing your taxes. By receiving the $50 Amazon.com tax refund bonus, you can effectively pay for the cost of TurboTax Deluxe 2014. And heck, Amazon can sometimes help us stay frugal!

What I like about TurboTax:

  • TurboTax is an Intuit product (they own Mint.com, too)
  • It automatically calculates deductions and checks to make sure I’m getting the largest refund possible
  • The company works with collegiate expenses and student loan payments to save even more money
  • Each year’s refund and return is collected for the next year, which saves a ton of preparation time
  • The program includes state and federal e-files for rapid returns and paperless refunds
  • By downloading from Amazon.com, it includes 5 free federal tax return files
  • Using TurboTax is a terrific preventor of getting audited, as it checks to make sure you’ve included everything
  • Instant download for Macs and PCs

Follow this link to get this year’s version: TurboTax Deluxe Fed, Efile and State 2014 with Refund Bonus Offer

Filed Under: Make Money Tagged With: Amazon, Amazon.com, Bonus, Gift Card, Mint, Student Loans, tax, taxation, taxes, Turbotax

July 2014 — Monthly Income Report

By Frugaling 25 Comments

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Less is more. Incidental Comics.
Credit: Incidental Comics

Important: My preamble before profits

Despite being a personal finance website and blog, I’ve hesitated to regularly provide specific earnings. Each time I’ve shared writing revenue — at 6 and 12 months — it’s taken me some time to deliberate whether I should. My revenue isn’t everything, and frankly, it’s been steadily declining since last summer. But while I made less revenue, I saw more traffic — the important metric to me.

Many personal finance blogs share their earnings on a regular, monthly basis with their readers. My fear in regularly doing so may come from an irrational place, but I worry that sharing this information is like eating junk food; the syrupy sweet taste goes down easily, but it has a vapid nutritional value. Do public displays of revenue help those that follow this site? Would love your input!

While keeping these questions in mind, I’ve decided to write about last month’s earnings, analyze the data, and provide forward-looking goals. Hopefully, you can take this information and let it inspire you to reduce your debt and meet some of your own financial dreams. Maybe you’ll start a blog of your own!

July 2014 Income Report

This month I truly learned what it meant to have an article go viral. Shortly after publishing “Destroy The 40-Hour Workweek,” the site quickly received the most incredible response ever. Google Analytics data showed that there were over 221,000 pageviews because of this tremendous social networking surge. Obviously, the increased traffic affected my income for this month, too. Most of this is reflected in an incredible spike in Google AdSense earnings.

LinkOffers Affiliates
$416.00 (Down $200 compared to last month)

Affiliate sales led the way. My most popular articles that lead to commissioned sales are the Barclaycard Arrival and US Airways credit cards. Unfortunately, sales have steadily declined in recent months; likely, due to a combination of search engine optimization (SEO) problems that were caused by server problems. Also, referral rates have been in decline, which means that each sale equaled fewer commissions.

Google AdSense
$247.95 (Up $204.49 compared to last month)

As I mentioned earlier, Google AdSense had a huge spike in revenue that was largely attributable to my viral post. Click-through-rates did not change by much, but the surge led to more clicks and impressions. I recently added a couple videos to YouTube and used one of them in an article about moving from my old apartment. While miniscule, the ads on YouTube are contributing to my earnings.

Amazon Associates
$1.13 (Negligible change)

There’s not much to say here. Amazon Associates is one of the most flexible and user-friendly affiliate networks. Moreover, it pays a fair amount for each item sold. When I linked to TurboTax during the tax season, I actually made about $200. But since then, it’s been pretty stagnant.

Total July 2014 Earnings: $665.08

Forward-looking statements

My main goal in starting this site was always focused on building a network and traffic stream. Money wasn’t the main motivator. But revenue from this website has changed my life forever. It’s given me an incredible lift in mood and gives me an outlet to share my thoughts. I’m truly honored to have visitors and followers. Your contributions fueled me to write more than I ever thought would be possible.

Going forward, I want to build on my fundamental desire for traffic. I’d like to increase subscribers via email (please sign up!), more frequently engage with Twitter followers, and find ways to integrate Facebook with the site. Whatever money follows would be a wonderful thing, but hardly the sole, motivating factor to this site.

The other piece that I want to begin including on Frugaling are book reviews. Anything that has to do with money, finance, and stock markets, I want to review and share with you. Hopefully, it can be a quick way for you to stay informed about complicated financial matters and offer me an opportunity to do something I love: read.

Thanks for viewing my report. If you have any recommendations, questions, or comments, please leave them below. I love nothing more than helping another person make their goals come true! Best of luck!

Filed Under: Make Money Tagged With: ads, AdSense, Amazon, Blog, Blogging, Google, Income, LinkOffers, Make Money, Online, revenue, Writing

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