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Ten Tips for eBay Buyers and Sellers
by: Brian McGregor
1. Keep secure

Make sure your passwords are really complicated. A mix of upper and lower case letters plus interspersed numbers is best. Use what are termed as "dictionary obscure" names too, not obvious ones such as a Christian name.

2. Save time

Whenever you find you are typing the same thing over and over e.g. usernames, use a lovely piece of software called ShortKeys Lite. It's free, and you can download it from www.shortkeys.com

3. Get organized

If you use eBay regularly you will already know how quickly the emails mount up. Get your folders in your email program set up properly now! Don't delay, you will save loads of time in the coming months.

4. Squeeze your graphics

Whenever you put a picture on your auction page you add download time. You can make sure your images are compressed to the lowest file size possible by using SmartSaverPro. You can download a free trial version from www.ulead.com.

5. Quote the auction

Whether buying or selling, always quote the auction number in the subject and body of any emails about that auction. So, whenever you get a query about it from your seller or buyer you can always find the email communications about that auction.

6. Accept credit/debit cards

If you're selling, you WILL attract more bidders if you offer to take credit/debit cards. Fortunately you don't need a merchant account to be able to do this. Just open a free account with PayPal - the most used payment mechanism on internet auctions. With PayPal you can accept all the usual credit cards plus Solo and Switch debit cards. If you don't have a PayPal account, you can instantly create one by going here:-
www.workwinners.com/PayPal_application.htm

7. Become a Search expert

When you're looking for items on eBay, don't forget the Advanced Search facility. Next to every search box you will see an Advanced Search link. You can be much more specific, and save yourself hundreds of hits which you have might have to scroll through to find the one item that you really wanted in the first place.

8. Be polite

Whether buying or selling, always try and be polite. As a priority, you want to avoid any negative feedback. Although it might appear that feedback is more important to sellers than buyers, this isn't necessarily the case. Even if you're only a buyer at the moment, you
might find sellers exclude you from bidding if your negative ratio is poor. Also, even though you might only buy on eBay at the moment, you could decide to try selling in the future. Your eBay feedback rating remains with you whether buying or selling.

9. Become a Help expert

I recommend you spend some time on eBay Help pages. Hidden in there are jewels like Proxy Bidding. No, I'm not going to explain this for you - have a look in Help!

Finally, you will noticed this is only nine tips, and I promised you ten! Well, my tenth is, if you're looking to sell professionally on eBay you should read my ebook 'The eBay Formula'. This shows you how to create successful auctions on eBay time, after time, after time. You can find out about ‘The eBay Formula’ at www.more-auction-sales.com

About the author:
Brian McGregor is an eBay and internet entrepreneur. He recently created the 'eBay Master Class' for eBay sellers. For your free copy, please go to http://www.workwinners.com/ebm-request.htm


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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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