Square is Complicit in the Theft of $89 from my Business.

I want that money back.

In October, I got two orders from my online jewelry shop, which is hosted by Square, the credit card processing company. I switched from Etsy to Square back in 2023 for a number of reasons; you can read about them here. My shop is simple and “free” — I only pay credit card fees when credit cards are used to buy my merchandise. It’s also handy because I can keep inventory in Square and only items actually available for sale can be sold. It’s been working well for me for the past 2+ years.

I don’t get a lot of sales online. I don’t even think the total reaches $1,000 each year. Most of my Square jewelry sales are done in person at art shows. I know Square isn’t the best deal for small businesses, but I’ve always been satisfied. If you just keep saying no when they offer additional services you don’t need, it’s actually quite affordable.
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Buying My New Car

I buy a new car a lot sooner than I expect to because — well, why not?

For a single person living alone with no kids, I have a lot of cars. I occasionally refer to them as my fleet.

  • I have my 1999 Jeep Wrangler, which I bought brand new, beat the crap out of, and use as my local around-town vehicle. It’s in decent shape but wouldn’t win any awards at a car show, despite it’s age. A trailer hitch on the front makes it the perfect vehicle for shuffling around trailers in the garage or driveway.
  • Jeep Wrangler
    My Jeep in its younger days, crawling over rocks in Sedona AZ. It’s on its third soft top now.

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A Few Observations about Online Shopping

I’m not convinced it’s evil — well, not all of it — but I’m getting more and more convinced that it’s dumb for some sellers.

I’ll start by saying this: I hate traffic. Now I know that everyone hates traffic — nothing is worse than bumper-to-bumper stop-and-go on a freeway — but I even hate local traffic, the kind usually created by traffic lights and made worse by construction or too many vehicles on the road.

Some Shopping Options
Some of the shopping options in my area. This isn’t all of them. There are also two Safeways, an Albertson’s, at least one other Grocery Outlet, and a Costco (which I am not a member of).

It’s for this reason that I do my grocery shopping at Fred Meyer, which I can get to by making a right turn at just one traffic light and not hit any other traffic. It’s exactly 10 miles from my house and is the closest supermarket. But it is definitely not the cheapest. That award would likely go to (in no particular order) Walmart, Grocery Outlet, and Winco, where some of my neighbors shop. I generally do not shop there because of the traffic I have to deal with on my way there and back. I know there’s traffic because I hit traffic at 7:30 AM Thursday when I had to go to Walmart. (More on that in a moment.)

So this explains why I prefer Fred Meyer, even though I know that if it weren’t for coupons that come in the mail and digital deals on the app I would definitely be paying a premium for my groceries. (For the record, though, I don’t like the attitude of the cashiers at Winco (which also does not accept credit cards) and Grocery Outlet seems pretty skeevy sometimes.)

But I had two online shopping experiences this week that have gotten me thinking more about shopping online for things other than groceries that I can buy locally.

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Why There are So Many Ads on YouTube

It’s a money grab, plain and simple, and YouTube encourages creators to maximize the number of ads per video.

I’ve been a YouTube content creator for about 15 years now, starting my channels as a way to share videos of things going on in my not-quite-average life. I had the good fortune to create a video that went viral — 12.5 million views so far — and has not only earned me thousands of dollars since I put it on YouTube, but was the driving force to get my subscriber count on the FlyingMAir YouTube channel up to nearly 80,000.

My History as a Content Creator

It’s nice to earn money on content you create or, technically, intellectual property (IP). From 1990, when I left my last full-time job to become a freelance writer and computer consultant, to around 2012, I earned the vast majority of my income as what I insist on calling a content creator. (For some reason, many creators are opposed to that term. I’m not sure why.) I wrote books and articles and made videos for various publishers. I even did a little self publishing of books. I created the content that people wanted to consume. What else would you call that?

During that time, I was able to not only fund the training and asset acquisition for my next career as a helicopter pilot, but I also socked away enough money to retire* at age 62.

My YouTube channels — including the one for Flying M Air which I no longer create videos for — continue to earn me money with a direct deposit into my checking account every month. How is that money earned? Through advertising.

YouTube Ad Revenue

Love YouTube but don’t like ads?

Do what I did: become a YouTube Premium subscriber. (Sign up on the Web and not through your Apple device and you can save $5/month.) Although I was skeptical until I got a free trial, I’m now convinced that it’s worth every single penny. You’ll still have to fast-forward through the sponsorship crap, though.

If you watch YouTube, you know how annoying the ads can be. There are pre-roll ads and post-roll ads and mid-roll ads. You can skip some of them after a few seconds but are forced to sit through others. Most of them are short, but when you have three or four in a row, they take up (too much) time.

For a new channel that cannot be monetized by its creator, the creator has absolutely no control over the ads and doesn’t make a single penny from them. So if you’re watching videos on a channel with 567 subscribers, remember that 100% of the revenue for the ads you see go right to Google. (If that channel creator has a tip jar of any sort and you like the videos, consider sending a few dollars their way to motivate/reward them for hard work.)

Once a channel can be monetized through a share of advertising revenue, creators get a tiny portion — literally just pennies sometimes — on every thousand views. So yeah: unless a video has a lot of views and a lot of ads, you’re not going to make very much. I could go on and on about how some creators game the system to fool people into clicking on their content with misleading titles and thumbnails, but I’ll save that for another day. This post is about the ad revenue.

If you can’t control the number of views a video gets — and new channels usually have a steep hill to climb to get regular viewers — you can still control the number of ads that appear with your content. Again, there are three types: pre-roll, mid-roll, and post-roll. Google isn’t shy about letting you know that the more kinds of ads you allow in your content, the more likely they are to push your content out on viewer Home pages.

Mid-Roll Ad Idea
Google does what it can to get you to maximize shared revenue.

And that brings me to what triggered today’s posts: the “idea” that appeared on my YouTube Studio dashboard for my MariaLanger channel, which just reached the point where I can monetize ads. When I set up ads for my existing videos, I specified pre-roll and post-roll ads, but turned off mid-roll ads. Why? Well, the main reason is that I hate them and I don’t want to torture my viewers by forcing them to watch them. I try to make my content smooth and continuous and breaking it up with tacky, annoying ads in the middle of it is, well, tacky and annoying. I respect my viewers.

(That’s not to say I might not change my mind in the future. On very long videos, I can specify exactly where a mid-roll ad can appear, so I can place it in a way to make it less obnoxious. I’d rather not, but I’m also not creating video for charity. I want revenue from my work and the tip jar isn’t working yet for me. Want to support my content creation efforts? Buy me a coffee.)

The reason so many people allow mid-roll ads is because they see “ideas” like this in their Studio dashboard. They want to make money and they are seduced by the possibilities. It’s the same reason they set up memberships or Patreon accounts. Even if they started their YouTube channel for fun, once they get to the point where they’re making money, they want to make more.

The Trap for Creators

YouTube Content Creation as a Job

Please don’t think I’m discouraging content creators from making YouTube content creation their full time jobs. There are many creators on YouTube who do just that. They have teams of writers — many of whom lean too heavily on Wikipedia — and video editors and they appear as talking heads reading off a teleprompter with a script while stock images that vaguely apply to what they’re saying appear onscreen. They have multiple channels and they come out with new content every day. These folks are making shit-tons of money while they pay a staff to do much of the work. It’s a business for them.

There are a folks with more modest setups that do much of their own research, writing, and video work. Some of them are really good; I subscribe to more than a few. But the ones who are most successful have YouTube content creation as a full-time job. You see, once you stop feeding the beast, the beast looks elsewhere for its next meal.

So unless you’re lucky enough to have a viral video after you’ve already become part of the Partner Program with a share of advertising revenue, you can expect to do a lot of work to build a YouTube channel to the point where it actually makes real money for you. Good luck.

I definitely get it. My FlyingMAir YouTube channel was earning, for a while, $500+ per month. One month, I took in $1200. That’s some real, bill-paying money!

Of course I had mid-roll ads and of course I set up a membership program and even a Patreon account. Do you know what that did for me? It turned content creation back into a job, something I had to do all the time to keep members and patrons and Google happy. I woke up to this realization when I was spending more time editing video than actually flying and watched revenues drop as the Google algorithm favored other creators more than me. I had fallen into a trap and I needed to get out.

Eventually, I sold the helicopter and could no longer create new content for the channel. I killed the membership and Patreon programs so I wouldn’t owe anyone anything. It was a huge weight off my chest.

A New Channel

So here I am, facing a new trap with my MariaLanger channel. This channel is older than FlyingMAir and actually still has a bunch of the helicopter videos I created before I spun off the helicopter channel. But it never had a good subscriber base until recently. I have just 1852 subscribers as I type this and am getting new subscribers at the modest rate of about 90 per month. I qualified for the partner program back in August and just qualified for advertising revenue in October. I’ve earned a whopping $9.03 so far this month.

I should mention here why I suddenly picked up so many new subscribers. It’s the boating videos I was creating while I traveled the Great Loop. And I have at least 40 more to come over the next year or so. The video has been shot; it’s just a matter of editing it into something worth watching. And yes, I’ll be getting back to that, probably this week. Editing video is no fun on a laptop, but I suspect the 27″ monitor I just bought will make it less tedious. That $9.03 will go toward the purchase. (Did I mention how much camera and lighting and audio and computer hardware you’ll need to buy to succeed as a YouTube content creator? That’s something no one tells you.)

And That’s Why

So that’s why there are so many ads on YouTube. Creators want to make money and Google does everything in its power to convince creators to include as many ads as possible in their channel content.

—
*My retirement is not a “stop working” retirement. I could never stop working and I don’t think anyone else should, either. Now I do the work I want to do when I want to do it — and take a shit-ton of time off.

When Greed Backfires

A true story about the benefit of fighting back against lowball offers for the things you want to sell.

Heron
My stepmom made this gorgeous stained glass panel for the door between a bathroom and the pool area.

My stepmom is an accomplished stain glass artist. For years, she produced stain glass artwork ranging from simple window ornaments like angels and snowmen to gorgeous window panes depicting wildlife like herons, dolphins, and horses. She was serious about her art endeavors and, over time, accumulated a massive inventory of raw materials — glass, soldering lead, lead cane — and the patterns, equipment, and supplies she needed to do the work.

Stained Glass Inventory
This is about half the glass she had to sell. To the left, still covered in paper, are at least 50 very large sheets. And then she found a cooler (of all things) filled with more glass sheets. Even the scraps had value — and she had about 50 pounds of that.

She stopped working with glass a few years ago and, since then, all her materials and supplies languished in a shed off the patio and in various storage spaces around the house and garage. When I came by in late autumn on my way south, she talked a bit about selling all this stuff. When I returned in January on my way north, she had taken steps to do just that. She’d called the owner of a stained glass shop about 45 minutes away by car — we’ll call him John — and made arrangements to have him look at it and possibly buy it.

John warned her from the get-go that he would not be offering a lot of money for what she had, but he didn’t give her any dollar amounts. She and my dad decided that they wouldn’t take any offer under $1,000. There was a lot of stuff and it was all in excellent, if not perfect, condition.

The Offer

John drove up one afternoon with an assistant (presumably to help him carry everything out) when my stepmom was out but I was at the house with my Dad.

We showed him the shed full of glass sheets, some of them as large as 24 x 36 inches in size. (This isn’t the stuff you get at Hobby Lobby, folks.) There had to be hundreds of sheets of glass in there in a wide range of colors. He said, “Well, these are the colors your wife wanted,” he told my dad. “That doesn’t mean other people want these colors.”

Cane in Tubes
My stepmom had several PVC tubes of 5-foot lead cane lengths that hung in the garage.

We showed him the PVC tubes full of lead cane hanging from racks in the garage. “No one uses this stuff anymore,” John said.

While not everything else was out (yet), there were bezels and patterns and kits and soldering lead on a table for him to see. He didn’t seem to care about them.

He turned to my dad and said, “I’ll give you $250 for all of it.”

My dad had some trouble keeping his temper. It wasn’t just a lowball offer. It was an insulting offer. I think that at one point he said that he could melt down the lead and sell it as lead bars and get more money than that.

John was not happy. Apparently he thought he’d be able to breeze in and get it all for next to nothing. He said, “I told your wife I wouldn’t offer much. Did you think I would pay retail prices? I came all the way up here to buy this.”

But my dad wasn’t going to budge.

John left. When he got to his car, he called my stepmom. She reported later that he offered her $350 and sounded angry. She said no and apologized for making him come so far for nothing.

John left, but it would not be the last we heard of him.

Facebook Marketplace

Band saw
Need to cut glass? This bandsaw made for glass cutting was in like new condition with all instructions. There was also a grinder and cane stretcher.

As much as I absolutely detest Facebook, I have to admit that its Marketplace feature is a great way to sell stuff. My stepmom is on Facebook and posted a listing there later that day.

The responses started coming immediately. The buyers started coming the next day.

By that time, we’d gathered together everything she had to sell, putting it on folding tables inside the screened-in lanai. The shed with the glass was right there. So when people came, they could browse everything easily. After some uncertainty on how to price the glass, my stepmom settled on a price of $8/square foot. This was a lot cheaper than someplace like Hobby Lobby. And it was also cheaper than what John was selling it for in his shop.

We knew that because lots of the folks that came over the next week or so usually bought their glass at John’s place. Now they were buying it from my stepmom. Apparently, the glass colors she liked were the same glass colors other artists — including the artist’s that shopped at John’s place — liked. (Who knew? LOL.) As for no one using lead cane, well tell that to the woman who bought a whole tube of it — 30+ 5-foot lengths.

Although the first two sales were disappointingly small, when the real artists started coming, the sales got bigger. By the middle of the second day, my stepmom had already taken in more than John had offered for everything — and the shed full of glass looked as full as ever. (I took to yelling out, “Stuff it, John!” every time someone left with glass he could have sold.) Soon she’d taken in $1,000 and there was still a ton of stuff left. Then more than $2,000, with one woman buying $845 worth of glass and lead. Yesterday, my stepmom told me she’d taken in more than $3,000 and there was still stuff left.

Of course, all of these profits could have been John’s if he’d made a reasonable offer for what my stepmom had.

The Best Part

While it’s true that dealing with a constant stream of strangers coming to the house can be a pain in the butt, my stepmom and dad don’t really mind it. My stepmom is retired and is around the house most of the time anyway. My dad works part time and is home in the afternoon. They don’t have to have people coming through the house because everything is setup outside, on the lanai and adjacent shed. There were no weird characters. Everyone was a legitimate glass artist and everyone bought something.

And my stepmom and I think that my dad likes talking to the husbands that sometimes come along on the shopping trip.

My stepmom is happy about how things turned out. Not only is she getting rid of stuff she doesn’t need, but she’s bringing in good money to do it. Because she bought some of the glass so long ago, she’s actually profiting on some of the sales because the going price is higher than what she paid years ago. In the end, she might get back everything she spent on what she’s selling now.

And the buyers? They’re thrilled. They’re getting good quality glass at a good price. They’re chatting with my stepmom and learning from her. She’s giving away a lot of the pattern magazines she’s accumulated.

So it’s a win-win-win — for everyone except cheapskate John.

Stuff it, John!