Web Monetization Options

TL;DR

Today there are many choices when it comes to make money on the web.

• In-app payments – There are many examples to an application that is free but let you add features with in-app payments. A good example is a game that is free, but offers additional levels or virtual goods for a certain price.
• One-time charge – You charge a fixed price for your application. It could be before the user tries it or after a period of ‘testing’.
• Subscription – There could be monthly or yearly subscription models. Users will pay as they go. Many SMB applications are working this way.
• Freemium – In this pricing strategy we can use each of the previous options. The advantage in it is that we are offering a limited trial version of our app so users could ‘test before they buy’ and offer a ‘pro version’ for those who wish to buy the full application.
• Ads – There are many options and we will cover it in the future.

Let’s take a closer look at each option and see when and how to use it.

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Are You A Saver?

I’ve read last night this great quote: “…On a longer-term basis, central banks and policy makers are really trying to take money from someone, or some class of asset holders, and give it to someone else. The asset-class holder under attack is the saver. This is the framework that has been created by policy makers trying to re-balance the imbalances of the past 20 to 30 years. To put it bluntly, they are robbing savers and taking money surreptitiously from longer-term asset holders whose assets don’t anticipate future inflation.”

Yes, as hard and harsh as it sounds, this is the current world we live in.

Monetary inflation robs savers. It’s a hidden tax.

When the rate of inflation is higher than the rate being earned on short-term deposits, the deposit holder is losing money on a “real” basis (= inflation). Most insidious of all, monetary inflation is a tax that takes its largest toll on those who can least afford it — the poor and elderly.

These are the people who tend to have a larger percentage of their assets tied up in cash and short-term deposits, which are steadily being eroded in value.

Sad? Right?

One way to ‘fight’ this is to have a balanced portfolio that gives you assets that will resist the inflation. However, it’s a skill that the ‘normal’ saver is not harness with. I do hope the in the future we will see different Banks (many be something like: Simple Bank ?) that will give the savers some kind of peace with more balance products that will ‘save’ them from inflation.