As Facebook (News - Alert) gets ready to go public and begin trading in the NASDAQ next Friday, speculations are unavoidable. Will the company really be valued at $100 billion, for example? However, an article from Business Insider asks a far more important question, at least for Facebook’s millions of users: How will Facebook change for the user once it’s a public company?

Unsurprisingly, users can expect to see more ads. This isn’t wild speculation, either, as the number of ads per page has been going up steadily since 2009, when the site only showed three ads per page, which went up to four in 2010, then up to seven in 2011. With quarterly revenue pressure, that number will only go up.

The “sponsored ad,” ads recommended to a user based on the likes of that users friends, will especially see an increase. While Facebook is still experimenting with what exactly the perfect ad is, the most effective unit seems to be the sponsored ad because it is more eye-catching and disguises itself somewhat. Most importantly for Facebook, it can charge advertisers a lot more money for a sponsored ad.

Less grounded in fact is the speculation that Facebook will follow Google’s (News - Alert) very lucrative practice and start putting ads on other sites.

Users should, according to the article, expect more services which announce everything they are doing — like how Spotify (News - Alert) automatically announces every song you listen to. If Facebook can start collecting and announcing information on your every action, they can make more ad revenue.

Just as companies like Apple, Microsoft, Google, eBay and Amazon, Facebook is likely to try and make your Facebook ID be your universal online ID — something Mark Zuckerberg (News - Alert), Facebook CEO, has stated as one of his goals. Again, this is a way for Facebook to make money but in this case by facilitating user transactions.

Facebook is, also like Google and Apple, planning to release its own phone with phone manufacturer HTC (News - Alert) that will feature a customized platform. Combine this with the plan to facilitate online transaction and it’s pretty easy to imagine a Google Wallet-style Facebook phone payment system. Combine that with Facebook’s tendency to share all your information and we’re likely to see almost every purchase users make being posted on Facebook — similar to Ticketmaster’s Facebook integration which shares the news of ticket purchases.

In a similar vein, more companies and sites will start asking for your Facebook data, much the way Facebook apps currently do but all over the Internet. In fact, former Facebook executive, Charmath Palihapitiya, left the company to start a venture capital firm with the sole purpose of facilitating exactly that.

In other words, those not ready to lose what little privacy remains in our connected world are going to have more to complain about while Facebook stands to make a lot more money.