Tuesday, March 18, 2008
Create and Sell Information - The Perfect Home Business
Want to make a great income from your own home based business? You can. Let's look at some information products you can create and sell online.
Here are three types of information products. All are easy to create, and since you offer them via digital delivery, they're easy to sell too.
1. Ebooks, e-courses, and classes - teach online
Just in the past couple of weeks, several friends have purchased online courses. They include an MP3 course to learn French, a course on learning Mac OS X Leopard, a series of classes in digital photography, and a drawing class.
There's an immense range of ebooks, courses and classes online, for every conceivable interest. If you have knowledge and skill, you can teach what you know.
Start by making a list of topics you could teach, and then do some online research to see whether others are offering courses in these areas. If they are, that's great - it means that people are buying this information, and you'll be able to sell your information product too.
2. Audio products - MP3s and podcasts sell
Audio products are great sellers online, because you can listen to an MP3 when you're driving and exercising, turning "wasted" time into productive time.
You can offer audio products in many areas. Some popular audio products aren't teaching products, they're stories and humor - of course, you can combine both information and entertainment in a single product. This would be a hot seller.
3. Video products - visual aids to learning
As technology has improved, videos have become enormously popular. Although many videos are free, you can create and sell your own commercial audio products. Teach or entertain on your video product - the choice is up to you.
Information products are fun to create and to sell, and they make the perfect home business. Why not start sharing your knowledge in information products?
Monday, March 17, 2008
The Truth about Online Credit Card Approval
With the credit card industry developing at such unprecedented rate, more and more people are experiencing the so-called credit card hype. In fact, in the U.S. alone, the average household gets to receive at least two credit card applications in a day.
What happens next is that consumers have the propensity to get into information overload, and so, they do not have any time to meticulously scrutinize each application that they receive.
Moreover, because of having too many credit card application forms thriving on the mailboxes every single day, they find it hard to make clear choices. In fact, according to some surveys, 75% of credit card users admit that they do not read the fine print at all.
That is why when the information technology had taken its fair share in the industry, things were definitely better. This is because the credit card industry, along with the consumers, is so overwhelmed with the fact that everything can come on an instant using the Internet.
For this reason, the online credit approval programs of most credit card companies seem to be the most practical technique that was ever created. Many people find it feasible to use online credit card approvals than to exert extra effort to personally apply for credit, only to find out that they will be rejected in the end.
The Concept behind the Screen
Online credit approvals works the same way as the typical application forms. The only difference is that these things are not hard copies.
However, one of the best things about this program is that it lets the consumers have the time to analyze the credit card offers and see if it will work for them.
Basically, there is nothing special about online credit card approval. The interested person just have to supply the necessary information on the online application form, wait for a few minutes (usually within 60 seconds), and, when approved, the consumer just have to wait for his or her card.
But the best thing about it is that the bank can instantly check on a particular person’s identity and credit score. If ever the score meets the requirement, instant approval will be provided and the credit card will be processed as soon as possible.
So for those who wish to know the advantages of having an online credit card approval, here is a list of some possible benefits that they can get from this program:
1. No messy applications
With online credit card approval, people can almost be sure of a safe and smooth transaction. There are no too many papers to trash or too many brochures to pile. Everything is done in just a few minutes and the status is instantly known if the application was approved or not.
2. Instant verification and comparison
There is no better way to get the best deal from a credit card but to have it compared to the others. In this way, the interested person can see the difference among credit cards, which gives him the ability to identify the best credit card deal.
3. Numerous benefits from the issuing bank
With this program, consumers can easily tap the available exclusive benefits provided for online applicants. There are instances wherein the banks will instantly give their new credit card users some amount from the credit line that they have provided.
These are just a few of the many benefits that consumers can get with online credit card approval. It is the best thing the credit card industry could ever have.
Indeed, with online credit card approval, there is nothing in the world that money would not have a value for it. Online credit card approval simply makes great things possibleSaturday, March 15, 2008
Virtual Credit Cards For Safer Online Shopping
If you are looking for safer online shopping you may want to consider a virtual credit card. It takes away a lot of the risk of personal information and credit card numbers falling into the hands of thieves.
A virtual credit card offers you the option of shopping online with a disposable credit card number that are single-use credit card numbers, which expire within one or two months.
The security benefit of using a virtual credit card for online shopping is your normal bank account is not affected if an online scam artist happens to get your account number.
There's no value to hackers because you use a different, random card number every time you shop online. A virtual credit card number is only good on the Web site where you made your purchase.
With identity theft and email phising scams rising at an alarming level it's a good way to keep your sensitive information private. Even if a scammer does somehow acquire your virtual credit card number, the disposable credit card number expires quickly so it's not an ideal target for them.
The major credit card companies all offer prepaid virtual credit cards and the amount is limited to how much you apply to the card. You are protected just like a regular credit card if they are lost or stolen.
MasterCard calls them MasterCard gift cards and Visa calls them virtual Visa gift cards. You can use them anywhere MasterCard and Visa are accepted.
There are some instances when paying with a virtual credit card won't work. You can't pick up theater tickets; confirm airline, hotel or rental car reservations with a virtual credit card. These credit card numbers don't exist off the Web so they don't work for these things.
But if you are using the disposable credit card numbers for buying products online the security benefits are well worth it. If you are looking for safer online shopping consider a virtual credit card.
Thursday, March 13, 2008
Credit Cards Online Information
If you are looking for safer online shopping you may want to consider a virtual credit card. It takes away a lot of the risk of personal information and credit card numbers falling into the hands of thieves.
A virtual credit card offers you the option of shopping online with a disposable credit card number that are single-use credit card numbers, which expire within one or two months.
The security benefit of using a virtual credit card for online shopping is your normal bank account is not affected if an online scam artist happens to get your account number.
There's no value to hackers because you use a different, random card number every time you shop online. A virtual credit card number is only good on the Web site where you made your purchase.
With identity theft and email phising scams rising at an alarming level it's a good way to keep your sensitive information private. Even if a scammer does somehow acquire your virtual credit card number, the disposable credit card number expires quickly so it's not an ideal target for them.
The major credit card companies all offer prepaid virtual credit cards and the amount is limited to how much you apply to the card. You are protected just like a regular credit card if they are lost or stolen.
MasterCard calls them MasterCard gift cards and Visa calls them virtual Visa gift cards. You can use them anywhere MasterCard and Visa are accepted.
There are some instances when paying with a virtual credit card won't work. You can't pick up theater tickets; confirm airline, hotel or rental car reservations with a virtual credit card. These credit card numbers don't exist off the Web so they don't work for these things.
But if you are using the disposable credit card numbers for buying products online the security benefits are well worth it. If you are looking for safer online shopping consider a virtual credit card.
Tuesday, March 11, 2008
Accept Credit Cards Online Without a Merchant Account
There are two major ways to accept credit cards on your website. The first and most expensive is to have your own merchant account. Not only is this option expensive, it also requires extensive credit checks, lots of paperwork, and usually takes days or weeks before you get approved. Fortunately, there is an alternative.
Third party payment processors who will accept credit card payments on your behalf exist in growing numbers. These third party processors will take a percentage of your sale for their troubles, then pass on the rest to you. Rates vary greatly from one payment provider to another so doing your homework is important in order to get the right fit for you. Some payment providers will accept all kinds of goods and services while others specialize in only digital products, or hard goods, or services.
General Purpose Payment Providers include:
Paypal – Owned by Ebay, Paypal offers one of the lowest rates of any third party payment processor. At the time of this writing, their standard rates were 2.9% plus $0.30 US per transaction. Paypal offers excellent support and great documentation to get you up and running in no time at all. www.paypal.com
2checkout.com – Has a $49 US one time setup fee. Their rates at the time of this writing were $0.45 US plus 5.5% transaction fee. Discount rates are middle of the pack, service is very good and through them, you can accept most major credit cards. www.2checkout.com
Digital Information Payment Providers include:
Clickbank – You pay a one time $49.95 US activation fee. They then pay you the retail price of your product minus $1 and a 7.5% fee. Clickbank also has an easy to use affiliate program so that you can make money when others sell your product. www.clickbank.com
Digibuy – An electronic commerce solution for publishers of software, shareware, electronic art, information, and data. They charge a rate of 13.9% per transaction with a $3 US minimum order. They provide you with many features including brandable order forms, invoicing and test orders. www.digibuy.com
All but Clickbank give you the ability to have brandable shopping carts. This allows you to customize your order forms so that the customer doesn't feel like they are leaving your site thereby building trust. All of the third party payment processors above provide you with help to get started.
Accepting credit cards online doesn't have to cost you a lot of money. Most times it doesn't even have to include a credit check. Most of these services will even make regular deposits directly into your bank account for ultimate convenience.
When you need to accept credit cards quickly and inexpensively, one of the payment providers mentioned above just might fit the bill.
Credit Cards - Applying Online For A Credit Card
Everyone is familiar with the credit card applications we get in the mail every week. While many of these cards say you are pre-approved, you can still wait for several weeks before hearing of a decision on the acceptance of your application. The Internet has changed all that. Applying for a credit card online can mean getting approved in a matter of minutes. What are some things to look for in applying for any new credit card online?
How Is Your Credit?
If you know that your credit is good then you'll have no issues in getting approved for an online credit card. The credit cards with the best terms and rates will always go to the consumers with the best credit. So, it is always a good idea to know what your credit report says about you. Be sure to check your credit report at least twice a year. Another benefit of doing that is to be sure there are no errors on it.
If you haven't reviewed your credit report in some time, then it would be a good idea to do so before applying for a new credit card. Check it out for accuracy and fix anything that needs attention. Keep in mind that by applying for credit cards and getting turned down, will affect your FICO score. This can play a key role in getting future credit offers.
Applying Online
After you know whether or not your credit is good enough to be approved for a new credit card, you're ready to apply online for an immediate approval card. All credit card companies will ask you for the same basic information: name, address, phone, social security number, date of birth, employer, length of employment, gross income, etc.
Before you apply online for your new credit card, read the terms and conditions carefully. Check to make sure there are no surprise fees. All credit card companies will require you to submit your social security number. They do this so they can pull your credit report and determine whether or not you are creditworthy enough to approve you for a new card. One important note to check for; make sure that you are using a secure server when transmitting the information online. It should say SSL 128-bit encryption. This is standard procedure over the Internet today. It will make it virtually impossible for someone to steal your information.
When you enter in all your information and press "send", you will have an approval/disapproval decision in minutes. It will either show up right on computer screen, or be sent to your email address.
After you receive the news of your approval, you can expect your new credit card to arrive in the mail usually within 2 weeks. If you have been turned down for the credit card you applied for, you'll be sent a letter in the mail stating the reasons for your denial. Check over the reason for your denial. It may simply be a mistake, in which you can speak to someone at the credit card company and they can help you get it corrected.
Tuesday, February 26, 2008
Apply Online For Credit Cards And Make Things Easy On Yourself
Before the Internet came along, credit card companies, banks, and other financial institutions used direct mail as there main source of building their credit card business. Although it was somewhat costly, it worked for years. Nowadays, if a credit card company gets a 1% response on their mailings, it's considered a great campaign.
Well, times have changed for sure and more people are turning to the Internet for online credit card applications. Why?
It's so much more convenient for the consumer is reason number one. You can access the Internet 24 hours a day. You also have access to much more information at one time. With the Internet, you can search and find information on literally hundreds of different credit card offers. Instead of only looking at one credit card offer you got in the mail, you can view several offers at the same time.
For example, let's say you have recently been hit with overdue bills and your credit score isn't too good at this time. No problem, you can find offers for bad credit credit cards to choose from. And these offers can all be on one site to look over. It makes comparing and reviewing the various offers so much easier. It allows you to find the right card for your situation.
When you go to apply online for a credit card, the process is extremely simple and secure. All major credit card companies use the latest technology in security for their customers.
Another important point is that most companies have online credit card approval, which means you'll be able to have an approval quickly. In some cases you'll know within hours if you are approved or not. Compare this to mailing in a credit card offer, which can easily take weeks before knowing anything.
So, when you're looking for a new 0% APR credit card, a rewards or cash back card, or even a business credit card, save yourself a lot of time and effort by going to the Internet and apply online for a credit card.
Copyright 2006 - Terry Edwards. All Right Reserved Worldwide. Reprint Rights: You man reprint this article as long as you leave all of the links active and do not edit the article in any way.
Virtual Credit Cards For Safer Online Shopping
A virtual credit card offers you the option of shopping online with a disposable credit card number that are single-use credit card numbers, which expire within one or two months.
The security benefit of using a virtual credit card for online shopping is your normal bank account is not affected if an online scam artist happens to get your account number.
There's no value to hackers because you use a different, random card number every time you shop online. A virtual credit card number is only good on the Web site where you made your purchase.
With identity theft and email phising scams rising at an alarming level it's a good way to keep your sensitive information private. Even if a scammer does somehow acquire your virtual credit card number, the disposable credit card number expires quickly so it's not an ideal target for them.
The major credit card companies all offer prepaid virtual credit cards and the amount is limited to how much you apply to the card. You are protected just like a regular credit card if they are lost or stolen.
MasterCard calls them MasterCard gift cards and Visa calls them virtual Visa gift cards. You can use them anywhere MasterCard and Visa are accepted.
There are some instances when paying with a virtual credit card won't work. You can't pick up theater tickets; confirm airline, hotel or rental car reservations with a virtual credit card. These credit card numbers don't exist off the Web so they don't work for these things.
But if you are using the disposable credit card numbers for buying products online the security benefits are well worth it. If you are looking for safer online shopping consider a virtual credit card.
Monday, February 25, 2008
The Truth about Online Credit Card Approval
What happens next is that consumers have the propensity to get into information overload, and so, they do not have any time to meticulously scrutinize each application that they receive.
Moreover, because of having too many credit card application forms thriving on the mailboxes every single day, they find it hard to make clear choices. In fact, according to some surveys, 75% of credit card users admit that they do not read the fine print at all.
That is why when the information technology had taken its fair share in the industry, things were definitely better. This is because the credit card industry, along with the consumers, is so overwhelmed with the fact that everything can come on an instant using the Internet.
For this reason, the online credit approval programs of most credit card companies seem to be the most practical technique that was ever created. Many people find it feasible to use online credit card approvals than to exert extra effort to personally apply for credit, only to find out that they will be rejected in the end.
The Concept behind the Screen
Online credit approvals works the same way as the typical application forms. The only difference is that these things are not hard copies.
However, one of the best things about this program is that it lets the consumers have the time to analyze the credit card offers and see if it will work for them.
Basically, there is nothing special about online credit card approval. The interested person just have to supply the necessary information on the online application form, wait for a few minutes (usually within 60 seconds), and, when approved, the consumer just have to wait for his or her card.
But the best thing about it is that the bank can instantly check on a particular person’s identity and credit score. If ever the score meets the requirement, instant approval will be provided and the credit card will be processed as soon as possible.
So for those who wish to know the advantages of having an online credit card approval, here is a list of some possible benefits that they can get from this program:
1. No messy applications
With online credit card approval, people can almost be sure of a safe and smooth transaction. There are no too many papers to trash or too many brochures to pile. Everything is done in just a few minutes and the status is instantly known if the application was approved or not.
2. Instant verification and comparison
There is no better way to get the best deal from a credit card but to have it compared to the others. In this way, the interested person can see the difference among credit cards, which gives him the ability to identify the best credit card deal.
3. Numerous benefits from the issuing bank
With this program, consumers can easily tap the available exclusive benefits provided for online applicants. There are instances wherein the banks will instantly give their new credit card users some amount from the credit line that they have provided.
These are just a few of the many benefits that consumers can get with online credit card approval. It is the best thing the credit card industry could ever have.
Indeed, with online credit card approval, there is nothing in the world that money would not have a value for it. Online credit card approval simply makes great things possible.
Online Credit Card Application Methods
You can apply for credit cards directly to the credit card companies by filing up their information and application sheets. Thanks to technology, it plays its role again of providing convenient and easy to use services.
You can now find and apply for credit cards online. By simply clicking on your mouse, you can now have an access to different credit card companies available in the internet. You can also transact business from a multitude of banks available in the network.
If you have an Internet connection at home, you have the greatest advantage over other people. Almost a majority of the banks features an online application system via the Internet. One good thing about these banks is that they are willing to approve the credit cards within 30 seconds or even less.
The process of online application is simple. After you accomplish all the necessary prerequisites that you need to furnish, the website will send you through email the result of your application in just a few seconds.
In order for you to find out the types of credit cards that you can avail, try to search in the net. You have plenty of options. Every credit card company is obliged to post the entire copy of their terms and conditions. You can also check on it on the Internet. Some of the sites do not post their annual charges so beware about this.
If your problem is your previous bad credit, worry no more about it. Even in online credit card application, they offer a special credit card for people with such status. Nevertheless, there are certain restraints that are set for you unless you recover from your bad credit record.
As of now, more and more people are applying for credit cards online. Part of the reason for doing such is the speed and convenience of doing so. Another reason is that, you can choose from a wide variety of credit card companies. The sites are providing all the possible names of the companies that offer online credit card application.
Credit card application is easy. Everyday, an additional website posts all the needed information in the net. Therefore, you will have an access to a huge number of sites, if you want to shop around, it will be easier for you.
After you have decided on which type of card you want to avail, you click on the site of the credit card company and fill in your details. You will be asked about your personal data of course, be honest as possible in filing it for legality purposes.
They will check your application, review it and do a credit assessment. If they find all the information about yourself satisfying and they believe in your credibility, they will instantly accept your application. There are some rules that you also need to comply with credit card online application. You can find them online in their website. These rules vary from one credit card company to another.
Like direct application of credit card in credit card companies, always abide with the regulations that they set for you. This is also same with your credit card application online.
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