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What Web Businesses Can Learn from Online Gambling
by: Joel Walsh
Abstract: learn how to gain visitors' trust by studying how online casino websites have overcome enormous obstacles to building trust among site visitors.

Online gambling is one of the fastest growing segments of ecommerce in the US, an especially impressive feat since it is illegal in the US. Due to their illegal status, gambling sites face high hurdles in the advertising and promotion arena as well, since most US-based online media companies, most notably Google and Yahoo, refuse to advertise them.

You might think that online gambling websites would face an insurmountable obstacle in gaining users' trust, as well. Trust has long been an issue in ecommerce, historically plagued by credit card billings and websites that disappear just before the orders were to be shipped–and a constant mainstream media drumbeat of the dangers of online transactions. Building trust has long been a chief concern of businesses selling over the web.

The trust issue is only compounded for the online gambling industry when it comes to serving US customers. Would you trust a website with your money if it were located overseas, and you had little legal recourse whatsoever to get your money back if you were dissatisfied–and if the "product" itself were essentially intangible, anyway? To top it off, what if the purchase itself was illegal?

This is precisely the challenge that online casinos meet every day, with the estimated 60 percent of their industry's customers who come from the USA. Casino websites owned and operated entirely outside the borders of the US are free to accept US customers. But gambling online with real money is illegal in the US under federal law, specifically the Federal Wire Wager Act, not to mention a host of state laws.
How Do Online Gambling Websites Gain Visitors' Trust?

* Trust symbols: gambling websites' businesses, being located outside the US, are not eligible for most US-based business certification programs such as the Better Business Bureau or Square Trade. So, they created their own trust seal: ECOGRA, E-Commerce and Online Gaming Regulation and Assurance. Online gambling sites are also wont to make a prominent display of their secure connection certificates, from organizations such as Thawte.
* Assurances: users' concerns about reliability are not just answered implicitly with fancy seals or confident language. One of the most successful online gambling websites contains this prominent declaration on its homepage: "We are licensed and regulated by the Government of Gibraltar, and our games are tested by iTech Labs, an independent tester of gaming and wagering devices to ensure that the games are fair and operate correctly."
* Transparency: while it is often hard to tell just who is behind most ecommerce sites, successful online gambling sites are models of transparency: the location of the company owning the casino is always prominently displayed, and assurances of honesty are backed up with independent audits of the technology used.
* High-quality design: successful gambling websites always look great, no matter how small the business behind them. Plain old HTML may be enough to convince people to post their room rentals on Craigslist, but it doesn't seem enough to make web users fork over their credit card digits to an online casino.
* Low barrier to entry: gambling websites generally either have a free option or require only a small upfront payment.
* Highly optimized designs. It's usually only a single click, if even that, from the homepage to the virtual betting tables. When you can get straight to doing what you want to do, there is not a lot of time to start nursing doubts.

In short, if you take your online business's trustworthiness for granted, you may be missing out on potential customers who need additional assurances. Take a lesson from websites that can't trust their trustworthiness to be taken for granted: make sure visitors to your site feel comfortable opening up their wallets.



About the author:
About the author: Joel Walsh writes on business and the internet for CasinoTimes.co.uk, a http://CasinoTimes.co.uk?%20UK%20Casinos[Publish this article on your website! Requirement: live link for above URL/web address w/ link text/anchor text: "UK Casinos" OR leave this bracketed message intact.]



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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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