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The savings rate in January has fallen to historic lows since last August's cut in bank interest rates. Mun Chun Loh, director of private wealth at GoldSilver Central, said gold has rebounded from a cyclical low and will tend to be lighter as the long holiday begins. The difference between the income and the total income has been realized 2. Accounting earnings are based on the assumption of accounting instalments, which refers to the production and operation results of a certain period of time. Early accounting earnings is calculated according to the cash basis, and the modern accounting earnings is according to the classification current income and expenses of accrual basis, after the appropriate ratio calculated. However, the benefits of cash determination are more acceptable to users. So what are these three factors? They are Cost-Per-Click's (CPC's); which is the sum of money Google pays in the market to a publisher after their ads are clicked by way of a visitor. Click-Through-Rates (CTR's); which is a percentage figure showing frequent AdSense ads are clicked divided by the quantity of unique visitors passing by having a particular site and also the third essential factor is traffic levels.