Most hubbers find HPads to be the higher earning program, but not all.
When you are getting several hundred SE views per day, try turning HPads off for a couple of weeks and see what Adsense alone will earn per 1000 views as compared what the combination will do.
What difference does it make?
Hubpages is slowly switching over to it's OWN form of Programs, which is already evident with Hubpages Ads Program(already includes Google Adsense) and Hubpages Ebay Program.
Hubpages is soon to add Amazon into the mix.
What is you want to participate in hub page ad program and you don't have a paypal account, how else can you be paid. Paypal is not enabled in my country.
Both seem to be okay, I have not had a stable testing platform in a while though with hubpages changes/panda. Try both, see what works best for you
I think it depends on your writing topics.
Since the switch to hpads, I make way less than I ever used to make. I have always tried to target topics with a high ctr rate, even if they had lower traffic totals. My earnings per thousand is way lower on this site than any other I use. I never got much for traffic to hubpages, relatively speaking, but I was making great money from AdSense.
I'd have to suspect writers that target very high traffic topics with a traditionally lower ctr do much better with hpads. Just a guess.
I find my Hubpages Ads program earnings way better than my Adsense earnings. With Google Adsense, you need visitors to click on the ads on your hubs to get paid; while with HPAds, you only need visitors to view your hubs because it pays per view, not per click.
I earn both from Adsense and HPAds here on Hubpages. Adsense payout threshold here in Canada is $100, so it took me six months to reach my first payout, and then almost every two months thereafter. HPAds program payout threshold is only $50, so it's easier to reach. Since I joined the HPAds program in March 2011, I have reached payout first after three months, and then monthly thereafter. I like getting paid as often as I could. So, HPAds program is better for me.
You have to try both for yourself, and see which is better for you.
I am now using Adsense, I earn around the same but find the information I can get from Adsense far more valuable. Knowing which pages are earning me the money means I can then self optomize more sucessfully. With Hub Ads the reporting is very limited so you find yourself shooting in the dark.
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