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Shop: Is Shopping Online Secure?
by: Linda Quinones

Is shopping online becoming popular and safe enough for you and I
to do the vast majority of our shopping on the Internet?

As I contemplated, when I initially set up my website: www.shopshopshop.org The first thought that came to mind was will they
come and will they spend money? Sure people are always curious and some will visit but will they stay long enough to spend some money?

Safety was the first concern of those I had spoken to, they were somewhat skeptical and therefore reluctant to make any online purchases. It is our
responsibility as online marketers to convince them to about the safety of
online shopping.

We all know about the convenience of getting on the computer and viewing the sale that retailers are using to entice the shoppers into making a commitment. But are not always as eager to go ahead and complete the purchase online.

The internet today is as safe or safer than making purchase in person, I recently read an article where BJ Wholesalers was fined by the Securities and Exchange Commission for not having sufficient security to protect Credit Card users.

Most of the buying we do today is pay for by either a credit card or a debit card. So If you think that when you purchase gas and pay for it at the pump
with your credit card or debit card that you are making a safe purchase think again.

I recently purchase gas at my favorite gas station and paid for it at the pump with my debit card, only to find out two weeks later when the bank call me to question some of purchases that were charge to my debit card.

It seems that somebody was making purchases that were very uncharacteristic for me. And the institution where I have been banking for many years was able to detect this and all my money was refunded and a new card issued.

I was fortunate in the incident just described, but back to online shopping,
most of the retailers that do business online have very good security to protect the buyers. After all they would rather you make your purchases online,

Online shopping is much more profitable for the stores and safer and besides
no shoplifting takes place on the internet, so the store want to protect this revenue source by making it safe as well as convenient.

Another willing partner is the credit card companies themselves they want you and I to continue using the plastic, and are doing all they can to protect the credit card user.

In our website we have a page titled credit card fraud protection, with direct links to the major credit card companies website and anti fraud page, so that shoppers can read what the credit card companies are doing to protect them from fraud and identity theft.

As more and more people become aware of the security measures being undertaken to protect them, they will avail themselves of the convenience
of doing their shopping online and use the time they save for pleasure and
family activities.

People today are always in a hurry and don’t usually have time to wait on long lines for cashier to ring them up, when they can accomplish the same
thing without leaving the house.

This is more attractive to younger active people would rather play a round of
golf or a couple of sets of tennis than fight the maddening crowds.

So I recommend that you get online and start spending! For safe secured shopping visit: shopshopshop.org


About the author:
Linda Quinones has been active in promoting her own site while trying to help others to succeed in the Internet marketing field. Previously she was involved in the financial sector for several years. Her website is: http://www.shopshopshop.org




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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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