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A Seller's Dash For Cash
by: David Riewe
Today, eBay is considered to be one of the most lucrative auction sites available in the Internet.

However, selling on eBay is not that easy, and the very first thing a seller should do is to find the ways on how he or she will get paid once the item is sold. And so, here are the different ways how a seller can be paid:

1. PayPal

PayPal is the most common and convenient way of sending and receiving money based on an eBay transaction. Here, the payment for the sold item is sent directly to the seller by means of an established bank account or a credit card.

2. Personal Check or Cashier's Check

Sellers may choose this kind of option. However, the drawback of using this kind of payment method is that the seller still has to wait for a number of banking days before the check gets cleared.

3. Credit Cards

Sellers must have a merchant account to be able to accept payments from its buyers through credit cards. This is applicable only if the buyer will be paying directly to the seller. If the buyer still wants to use credit card but wants a safer transaction, he or she may opt to pay the seller through PayPal with the use of the credit card.

4. Bank to bank wire transfers

In this type of payment, the seller can be paid through a bank-to-bank transaction. Here, the buyer will transfer funds from his or her bank account to the seller's bank account.

5. Money Orders/Bid pay

This is one of the recommended payment methods of eBay. This is considered safe because the seller or the buyer can track down the mailing address of the concerned person.

6. Escrow

This is strongly suggested for high-priced item transactions. The escrow service guarantees full protection while the transaction is not yet closed. Through this service, the seller has to wait for the confirmation that the buyer had received the product before receiving payment.

However, sellers and buyers should take extra precautions on dealing with escrow services. There are a lot of counterfeit escrow services lurking on eBay these days. It's best to check if the escrow service was approved by eBay.

8. Cash

Sellers on eBay may receive payments through cash. However, this is a high-risk activity and offers no guaranteed protection.

8. Instant Cash Wire Transfers like western Union and Money Grams

Sellers may opt for this type of payment method. But, they should keep in mind eBay is strongly against this mode of payment and that insisting this to the buyer may result to suspension or termination of account.

About the author:
David Riewe is a Publisher and Online Marketer. Visit his eBay Blog to Discover 101 Ebay Auction Tips in this FREE ebook http://www.push-button-online-income.com/ebayblog


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 How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.


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