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What I got out of it was to open up independent Adsense accounts for different websites. If Google decides to shut one down, at least the others won't be affected.

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This. My first thought was "why didn't he use separate accounts?" Of course the mailing address for the checks would be the same. So then get multiple P.O. Boxes. Then I think they require a phone number too? I'm sure Google has some employee who has thought of this.

Also wouldn't surprise me if one person having multiple AdSense accounts is a violation of their terms.

I'm sure there are restrictions for this, but at that kind of income it doesn't make sense not to spend a few hundred dollars and open up an LLC or something for at least the YouTube account.

I probably wouldn't have bothered with it until reading this, but I always hear every investment should be done with a separate entity and this seems to be no different.

I heard that this actually works. I've seen this advice over the internet: If your account is suspended just open another one. You have much higher probability of using it that getting the original working again.

The AdSense agreement specifically prohibits you from doing this. Of course, you might not get caught, but from a legal standpoint it's a Prohibited Use.

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