After doing some research i got a list of one the many well paid keywords. It seems because of this bloody crises, Loan,insurance, law, solicitors, home insurance has been the most well paid money, mostly because many americans are facing a huge trouble to keep up with their loan etc... ( my thought ) anyway here are the following WELL PAID KEYWORD for january and feb 2009. As you all know they are constantly changing.

Max CPC ($)      Avg CPC ($)      Keyword
27.27     12.62     125 second mortgage
22.32     12.62     auto insurance quote
131.11     12.61     online education master degree
56.75     12.59     mesothelioma support
25.35     12.59     criminal lawyer toronto
22.78     12.59     arts degree liberal online
26.10     12.58     refinance my mortgage
26.69     12.55     medicine vioxx
216.94     12.54     yahoo personals
43.72     12.53     california criminal lawyer
49.74     12.52     home loan preapproved
35.00     12.52     best insurance life term
19.86     12.50     life insurance no medical exam
33.56     12.48     consolidate loan
27.04     12.46     comparison insurance life
33.93     12.42     car law lemon used
17.18     12.42     refinance leads
28.27     12.41     lending tree com
24.65     12.36     christian drug rehab
23.62     12.36     refinancing your home
17.87     12.36     christian credit counselors
19.48     12.35     equity lines
29.28     12.32     law lawyer lemon
40.33     12.31     domain name search
38.40     12.30     best refinance rates
84.31     12.27     rental computer
31.77     12.26     insurance mortgage protection
21.96     12.22     closing cost no refinance
18.44     12.22     closing cost loan no
25.21     12.21     auto cheap insurance
45.84     12.20     health insurance for the self employed
39.43     12.19     best hosting service web
23.59     12.18     mortgage plan protection
27.23     12.17     lowest refinancing rates
19.79     12.17     angeles car insurance los
37.25     12.15     refinance credit
68.47     12.14     outsource help desk
21.12     12.14     anti service spam
19.60     12.14     fixed rate home equity loan
32.41     12.13     consolidations loan
21.72     12.13     ca health insurance
20.95     12.13     refinance companies
48.29     12.12     gophone
46.43     12.12     mortgage refinance
28.87     12.11     insurance life term uk
34.45     12.09     treatments for prostate cancer
33.95     12.08     equity home interest loan low
27.59     12.08     hair laser male removal
22.77     12.07     refinance my home
65.66     12.06     direct insurance line pet
24.89     12.06     refinance second mortgage
30.94     12.05     bad credit refinancing
27.45     12.05     consolidation loans uk
22.90     12.05     debt consolidators
25.67     12.02     online forex
26.54     12.01     mega life and health insurance
56.59     12.00     high speed internet deal
48.84     11.98     college health insurance student
18.15     11.96     car insurance seattle
38.04     11.95     phone conferencing
24.11     11.95     insurance medical private
23.44     11.93     consolidating debt
23.80     11.89     home refinancing rates
35.54     11.88     anti server software spam
21.62     11.88     medical billing software
47.81     11.86     projector rental
32.93     11.86     refinancing cost
29.15     11.86     software help desk
22.20     11.86     car insurance ny
27.53     11.85     mega life and health
18.55     11.85     hair laser removal tampa
19.35     11.84     college online phoenix
37.38     11.83     accident lawyer new york
28.87     11.81     home equity interest
31.04     11.79     refinance mortage
31.06     11.78     vioxx
59.36     11.77     personal injury lawyer michigan
18.43     11.77     hair laser nj removal
16.35     11.76     boston hair laser removal
15.68     11.76     home loans for people with bad credit
15.22     11.76     auto buy insurance online
28.90     11.75     treatment for prostate cancer
27.50     11.75     drug rehab residential
16.28     11.75     norton finance
27.43     11.72     no closing cost
68.55     11.69     at t wireless service
35.52     11.69     computer rental uk
38.59     11.68     webhosting australia
129.69     11.67     laptop rentals
59.88     11.67     cost reversal vasectomy
15.00     11.67     aarp car insurance
26.02     11.66     business card credit processing small
24.87     11.65     register internet name
31.32     11.64     federal consolidation loans
29.03     11.64     mortgage protection
17.92     11.64     debt consoladation
49.15     11.63     free2go
18.75     11.63     mortgages with bad credit
54.47     11.62     criminal attorney florida
21.45     11.62     auto california insurance southern
34.63      11.61      college loan consolidation
33.88     11.58     florida malpractice lawyer
43.06     11.55     mortgage refinance loans
55.06     11.53     microsoft antispam
31.96     11.53     auto insurance online
19.15     11.53     consumer counciling credit
31.97     11.52     insurance life online quote term
29.09     11.52     law lemon vehicle
73.44     11.49     florida home refinance
20.45     11.47     denver hair laser removal
25.15     11.46     best refinancing rates
44.06     11.45     make money with website
29.05     11.44     criminal georgia lawyer
17.23     11.44     mortgages for bad credit
59.54     11.43     cheap dedicated hosting server
20.73     11.43     aarp insuranc
24.86     11.42     florida hair laser removal
29.95     11.41     lowest refinance
31.54     11.40     irs relief tax
36.70     11.38     domino anti spam
26.75     11.38     insurance quotes
23.52     11.38     bad credit mortgage refinancing
23.87     11.37     connecticut laser hair removal
32.09     11.36     accident lawyer miami
15.82     11.36     dept consolidation
25.09     11.34     refinance va
33.20     11.33     dedicated hosting
54.18     11.31     baines and ernst
21.79     11.30     equity home interest rate
19.96     11.25     cheap contents insurance
15.47     11.25     home loans for bad credit
15.27     11.25     consolidate credit cards
191.92     11.23     com first her lesbian sex
29.73     11.23     refinancing homes
120.00     11.22     pulmonary hypertension
25.53     11.22     commercial insurance van
20.70     11.22     best debt consolidation
89.88     11.21     ca personals yahoo
59.93     11.21     fraud insurance lawyer
48.18     11.21     lawyer mesothelioma
30.25     11.20     car commercial insurance
16.09     11.20     debt consolidation companies
22.25     11.19     automobile insurance quote
30.46     11.16     monte carlo resort and casino
43.40     11.15     anti spam for outlook
29.70     11.15     mortgage refinancing companies
36.29     11.12     card chase credit secured
58.81     11.11     at t service
63.08     11.09     car hire in alicante
33.61     11.09     term life insurance online
28.88     11.09     loans refinance
27.37     11.09     low interest debt consolidation
30.18     11.07     voip call center
27.95     11.07     educational loan consolidation
40.58     11.06     connecticut law lemon
27.15     11.05     health insurance life mega
24.95     11.05     registering domain name
31.62     11.02     life assurance uk
18.77     11.02     cheap domain names
26.63     11.01     california drug rehab
17.78     11.01     criminal justice degree online
79.91     11.00     laptop rental
22.02     11.00     car houston insurance
38.66     10.99     business health insurance small
21.65     10.99     on line credit card processing
19.43     10.99     whole life insurance quote
39.22     10.97     home refinancing
31.04     10.95     anti spam server
17.71     10.95     loans for debt consolidation
16.87     10.95     cheap remortgage
15.36     10.95     home loans with bad credit
20.10     10.94     atlanta hair in laser removal
217.05     10.93     car credit yes
28.76     10.93     equity home lowest rate
18.05     10.93     compare insurance life term
38.50     10.92     free insurance medical
17.15     10.92     cheap home insurance
29.47     10.91     refinance your home
42.04     10.90     ohio personal injury lawyer
29.00     10.90     consolidation credit non profit
26.30     10.88     cancer prostrate treatment
18.69     10.88     health insurance quotes
27.95     10.87     debt help uk
24.43     10.87     refinance closing cost
21.42     10.87     ccj mortgage
52.18     10.85     offshore company incorporation
24.04     10.85     loans debt consolidation
20.13     10.85     bad car credit refinancing
31.54     10.82     home equity rate
28.86     10.82     critical illness
27.52     10.82     law lemon texas
21.29     10.82     refinance no closing costs
27.56     10.80     debtconsolidation
17.46     10.80     consolidating bills
16.02     10.80     consolidating credit
39.59     10.79     mortgage preapproval
73.84     10.78     as att go pay
18.34     10.78     insurance life online whole
27.82     10.75     critical illness protection
51.11     10.74     asbestos claim

Here it is the last email from google to all Publishers :

After the last messsage from google adsense this is what they are saying to all PUBLISHERS

you have the option to add a referral unit for AdSense within your account when you target any referral unit to Japan and/or any countries in North America and Latin America. To ensure payment for valid conversions, we recommend that you check the targeting settings on your current AdSense referral units.

We'd also like to let you know about upcoming changes to the referrals programs for Google Pack and Firefox:

Google Pack: Currently, you can earn up to $2 when a user downloads and runs Google Pack for the first time after being referred through your link or button. Starting the third week of February, each successful Pack referral will earn up to $1. This change will apply to all referrals for Google Pack and is independent of user location or publisher location.

Firefox: We will also be reducing payments for Firefox referrals from China during the third week of February. This specific referral payment change will only affect installations from users in China. As with referrals to AdSense, this is independent of your location as a publisher.

the following information are really hand and helpful, all credit to Luke Meshios.

Luke Meshios from Webmaster SEO wrote the following reader ‘quick tip’:

Do you ever wonder why it is you get low clicks sometimes? 1 cents - 10 cents?

This is because the Adsense Publishers are offering low amounts. Some times they offer a low amount because they have Adsense on their website too. And they might get 10 cents a click for every 1 cent they pay. These sites are known as “Made For Adsense” Yep, it does suck!. But there is a way around this to increase your earnings.

Go to Adsblacklist, Sign Up, put in your URL and keyword, click generate. You will then get an extensive list of 200 sites to block in your AdSense competitive ad filter.

Now go to your Adsense account, Click on Adsense Setup, Then click on competitive ad filter, copy and paste the websites you were giving from Adsblacklist . Now wait till Adsense blocks those sites.

Now relax and let the earnings roll in. 

I am sure you have seen many adverts online from those self proclaimed GURUS, trying to sell their book with all the so called secrets to make money online.

Well here is John Chow book.

called how to make money Online. It is a must read!! Ah by the way it is FREE. yes i meant FREE!!!

I really enjoyed reading through his book, he completed all aspect of how to make money online, mistakes, he has given tons of useful information for those who are looking to improve there website or blog.

John Chow is a very successful in the business of making money online and he knows what he talks about.

check out his website here: ***** John Chow *****.

Google AdSense is fast becoming the preferred way for people to earn an income online.
To learn some of the so called ADSENSE secrets from the self-proclaimed AdSense gurus they will charge you a fee. After doing some research and some reading I realised that those secrets aren't that difficult to do or achieve.

I am willing to share what i know for no fee, and hope u spread the word.

A <--- One of the big mistakes people make is to Change the color of their ads to attract attention to their website visitors, thinking that is the right way. Doing so you are making a big mistake!!! Code your ads to match your web site. Make sure you use the same colors for your ad frame and background. That way the ads will look like they are part of your website, not looking like an Ad ( people don't like clicking on ads ). Use exactly the same ad text font and color as the text written in you website. Making them look just like your Blog or web it will make them click on the ads thinking you wrote it etc....


B <--- One other thing that people ( well maybe animals also, hehehe ) tend not to like is Leaderboard images & tradicional Horizontal banner styles...


C <--- Research on google for the competitive Keywords, getting the info from various blogs or Keyword research tools. Here is a list of good keywords that i found:

Endowment Policy Sales
College Loans Consolidation
Missouri Mesothelioma Lawyers
Personal Injury Lawyer Ney York
Donate Car Las Vegas
Surrendering Endowment Policies
Consolidation Student Loans
Pop Up Displays
Beverly Hills Breast Augmentation 
Incorporating A Business In Florida
Car Accident Lawyer Los Angeles
Mesothelioma
No Win No Fee Solicitor
Get a $150,000 mortgage for $688/monthly
nationalmortgage
compare mortgage refinance rates
low-rate mortgage
wachovia mortgage home loans

Loan and Mortgage keywords are highly paid but the problem is people tend not to get interested in them and so you wont have much click frequency on them, and so if you think you wont get a frequency on those keywords it's better to have a not so well paid keyword and so you will end up making more money.


D <--- Use Google's new 4 and 5 link ad units wherever possible. They seem to have a much higher Click Through Rate (CTR) than regular ad styles. You can view all the AdSense ad formats here.

E <--- Putting images next to the add to attract attention is another trick, but remember make it look like the image and the Ad are all part of the web as if you posted both n they ae interacting with each othere!!!

F <--- If you have multiple pages in your web or blog make sure you use the full allowance of multiple AdSense ads in which are: 3 regular AdSense ads + 1 link unit. but be careful with the placement. ( remember what i said before!!! )

- 1 horizontal 4 link ad unit towards the top of the page under the first paragraph
- 1 vertical skyscraper text ad unit about halfway down the left hand side under "Sponsor Links"
- 1 vertical skyscraper image ad unit down the left hand side under "Sponsor Links"
- 1 horizontal text banner unit at the bottom of the page with images above each ad to draw attention to them.

You can also include 1 AdSense referral button in addition to the 3 other units.


G <--- Another big mistake is to create a blog or website just for the sake of adding Adsense. Try or better DO create a website that has a theme and is something that you are interested in so you will do it with more passion. Creating a nice web will attract many people. having the add matching your theme is a good way to do so, as it will look even more realistic and part of your website.

That is all for now. will be posting some more info soon. please if you have any questions I'll be happy to help.