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How To Use A 'Credit' Card Online Safely.
by: Colin Visser
Please use caution when you use a 'credit' card on the internet. There are 'criminal elements' every-where, and online is no exception. I will actually go as far as to say that you should NEVER use a 'credit' card online AT ALL. Hear me out! I have a PayPal account and it can be quite useful for ebay or other places that accept it. To get a PayPal account you need some sort of credit card, right? WRONG! There are two main types of 'plastic card', the first is a 'CREDIT' card ( potentially very dangerous when used online ). The second card is a 'DEBIT' card - very SAFE to use online, if you go about it the right way.

You do not need a credit card to establish a PayPal account. ( or for lots of other online services..) A 'debit' card is much, much safer and I will explain why. Firstly, if you use a credit card online and you are unlucky enough to have your card details stolen or intercepted, then ALL the money that is available to that card can be lost - permanently. Can you afford that?? Even if you can afford to lose that money ( lucky you!! ) do you really want to hand it over to a criminal? My guess would be no. So don't risk it happening! I don't have a credit card at all, and that is largely irrelevant, but I can purchase things online.

What I use is a VISA enabled DEBIT card instead, and this is how it works. I have two bank accounts, one with all my money in it, the other is nearly always completely EMPTY. The empty account has the VISA debit card attached to it. How does that work if it is empty most of the time? Very easily. The first account has an online banking facility and I simply transfer money into the VISA account whenever I need to use it. I only transfer about ten dollars more than I think I will need to make a purchase, so that if my VISA card details are intercepted or used by any criminal organization, they can't get at ALL my money.

Yes, online banking has potential risks as well, but with the added layers of security that a bank provides, the risk is much reduced. Also you can directly visit your bank to sort out any problems should they occur, but it is much ( very much ) harder to do that if you are dealing with an online organization that may be based a different country altogether. So, I hope you aren't using a credit card online. (!?#!!)

Note 1 : The reason I transfer about 10 dollars more than I think I will need for any given transaction is to cover currency conversion variations and un-noticed packaging, postage, or insurance costs. I also like to leave a balance of about 20 dollars to feed my online insurance policy. ( see the paragraph below note 2. )

Note 2 : Most online banking facilities allow an unlimited number of transactions, with no transaction fees. So you can use it as much as you want to and it costs you nothing. Now that's how much I like to pay!! Don't forget that in some cases you can do direct bank deposits to make a purchase online. That means even less risk to you because the vendor doesn't even have the chance to get at your card at all. They only get the money, and that's just fine by them. If you need to set up recurring payments for a membership or subscription service, the best way is by direct bank deposit. You set it up, you control it, and 'they' can't change what they charge you or add extra charges without you knowing about them :-)

There is a cost involved with having a second bank account and that cost is usually thought of as dead money, but if you look at that monthly ( or annual ) cost as a form of 'pay as you go' insurance, then it is a lot more acceptable. What I mean by pay as you go insurance is the charges ( account keeping fees ) for the usually empty second account are your insurance policy against losing the contents of your main account to an online criminal. When you look at it that way, it is really rather cheap. You also get insurance against financial loss from VISA if your card is lost or stolen in the 'real world'- not that there would be a substantial amount available to that card if you operate it the way I have outlined above. You can use either type of plastic card on the internet, and the vendor of whatever you purchase will never know what type you are using, but I know what type of card I will always use. The debit card.

Footnote : No, I don't have a 'credit' card at all, so without the services of a debit card I wouldn't be able to purchase much online. But I wouldn't have a credit card even if I could 'afford' one. I personally think that credit cards are just too big a temptation for the average person. If you have thousands of dollars available to be spent as credit, that is just what most people do, they spend it. Why is that a problem? Well if you don't have the money to buy whatever you have bought using your credit card, where are you going to find the money to pay that credit back?? Oh, and what about the rude amount of interest that a lot of people end up paying on their credit cards? Sometimes for years.. I may be old fashioned in this regard, but saving your money by having a budget, and buying something when you can afford to do so, really does save you a lot of money in the long run.

About the author:
Colin Visser is the owner of http://webdziner.gotdns.com/and offers web site design & english proof reading services. Proof reading for web sites, software, help files, email and news-letters. Free quotes. Please send comments using http://webdziner.gotdns.com/email.html


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Tips to Build Your Email Address Database

WHY BUILD YOUR EMAIL ADDRESS DATABASE?

Gaining your customers' email addresses will:

  • Provide an additional channel for reaching your customers
  • Increase the ROI of your marketing investments
  • Significantly reduce your customer acquisition and marketing costs
  • Allow you to easily measure the impact of your marketing campaigns
  • Increase your customer participation and retention rates

With ongoing postal and telemarketing pressures impacting marketing budgets for many organizations this year, email marketing could become the "silver lining " for many marketers.   But how do you create a successful email marketing campaign if you do not have a substantial email database?  That question may be one of the largest Internet related challenges facing companies this year.

Research shows that the majority of organizations have email addresses for less than 10% of their postal files.  So how do you level the playing field and start to add quality permission - based email addresses to your database?

Here are some tips that you can use to cost effectively build your email address database and increase your customer participation and retention rates: 


START TO ASK FOR IT!  

Every communication or touch point with a customer should start or end with a request for an email address.   By utilizing the four points below, you should be able to add email addresses for 5% to 10% of your postal file over the course of one year.

1.  Direct Mail Collection

Think about how much time and money you spent for copy and design on your last new direct mail piece.  Most companies have started to ask their customers for their email address information within these mailings.  This is a great step forward. However, companies need to look at one major improvement if they want to increase their email address collection rates. 

To date, most requests for email address information have been pushed, shoved or jammed into whatever white space remains.  It should be no surprise that the success rate has been less than stellar.

To improve on these efforts, you need to provide your members with a reason to release their email addresses to you.  E-newsletters, purchase confirmations, petitions, and special discounts and offers are but a few of the benefits that will encourage your members to come on board.

2.  Web Page Collection

Many companies have an email address collection function in place via the web.  To improve your sign-up rates, add text below the email request box that informs your visitors of the special email benefits that they will receive (i.e. e-newsletters, purchase confirmations, delivery updates, etc.) upon registering.  You can also utilize a pop-up link to inform users of these special benefits.

Finally, your email address request function should be available on your home page. Don't make your users go and look for it.  Every click away from your home page reduces the chances of your users taking an action and providing you with their email address information.

3.  Existing Email Database Collection

Don't forget to ask the members of your existing customer base for email addresses of their friends, family and associates.  Viral marketing is a powerful tool to use and is extremely cost effective!  You could ask them either to provide you with additional addresses or simply to pass on your newsletter, email specific offers, or other information to others they feel have similar interests.

4.  Telemarketing Collection

Don't assume that your telemarketing agents are asking for email addresses from potential customers.  Ensure that your agents have an updated script, which outlines the previously described benefits to potential customers of providing their email addresses.

The suggestions above are a great start!  Yet they really should be viewed as a secondary plan for building your email database.  To exponentially and expeditiously grow your email database, please read on!


EMAIL APPENDING  

Utilizing an email appending service enables you to add email addresses for up to 25% of your postal file, all within 3-4 weeks.

Email Appending - is the process of adding an individual's email address to that individual's postal record in side your existing database.  This is accomplished by matching the postal database against a third party, permission based database of postal and email address information.

Best Practices - Email Appending is not a prospecting tool. The DMA (Direct Marketing Association) and its interactive arm AIM (Association of Interactive Marketing) have guidelines in place that dictate that email appending only be used to append email addresses to your existing opt-in postal record house file.

The Process - Your opt-in postal file is securely transferred to an email appending provider, who will do an initial gross email address match of your file against its opt-in database of postal and email address records.  Your appending provider will then send these matches a permission-based message prepared by you.  All bounces and opt-out requests will be removed from the list.  At that point a valid permission-based email address file of your customers will be delivered back to you. 

Cost - Less than the price of a postal stamp!


IN SUMMARY

The first step of any successful email marketing effort is to build a permission-based email address list of your customers.  The simplest, quickest and most cost-effective way to do this is through email appending, which will enable you to add email addresses for up to 25% of your postal file.  Secondary efforts of email address collection via focused direct mail, web, viral and telemarketing practices are also important and will enable you to add email addresses for an additional 5% to 10% of your base on an annual basis.

Best of luck in building your email address database.  As many companies have already learned, the ROI and cost savings to be achieved will far exceed your expectations.

Bill Kaplan
CEO
FreshAddress, Inc.

FreshAddress, Inc., The Email Address ExpertsTM, provides a comprehensive suite of industry leading database and email deliverability services to help companies increase their e-commerce revenues.  For more information on how we can help "Build and Update" your email list, visit http://freshaddress.com/biz or email biz@freshaddress.com.



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