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How Should You Pay For Online Purchases

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Many people buy online on a regular basis, whether on internet auction sites, huge retail websites such as Amazon or via entertainment services such as iTunes. Since it’s your money that is being used when you make a purchase online, you want to know that your identity is safe and that whatever you buy over the internet is protected if something goes awry. Luckily, two of the most popular methods of buying goods online – via credit cards and with the PayPal service – offer various methods of online purchase protection.

PayPal Protection

 

PayPal is aware that many buyers on online auction sites will be suspicious of sellers and require some confirmation that sellers are who they say they are. PayPal operates a seller-verification system to check this.

When it comes to the receipt of the goods, if you’ve not received what you ordered or find it in quite a different condition than as described online, you can claim a full refund through PayPal. This helps if you receive fewer items than you believed you should be getting or parts of goods are missing. You simply open a dispute and PayPal contacts the sender.

PayPal also protects online consumers through its daily activity. The service employs workers to regularly check through transactions to identify anything that may be amiss. You should also inspect your transaction history in case something comes up that doesn’t ring true. In this case, you can report the suspicious transaction to PayPal and the site will investigate how to get the lost money back to you.

The liability for unauthorized transactions program run by PayPal requires you to make a report within 60 days, though, or you won’t be able to attempt to get this money back.

Since PayPal is a popular option for buyers making purchases through PayPal’s partner, the auction giant eBay, Buyer Protection is a frequently utilized service. This guarantees eBay purchases in case the seller is not genuine.

Using Credit Cards

Credit cards offer less in the way of seller-verification features but do provide extensive identify-theft protection when used to purchase goods online. 3D Secure, for example, applies to a number of credit cards and appears on screen when making a purchase.

If your bank uses 3D Secure, you’ll be asked for an additional password at the time of making a purchase, which is a means of ensuring the rightful card owner is the individual making the online purchase. This extra verification provides a safer online shopping experience when buying goods from independent merchant websites.

A number of card manufacturers have designed schemes to help avoid card fraud online. For example, MasterCard uses SecureCode, which is a further verification step that asks consumers to provide a unique code at the point of purchase online.

Which Is Best?

Both PayPal and credit-card companies place huge importance on protecting online purchases. PayPal is perhaps more useful when buying through auction sites, especially PayPal’s partner site eBay, since it offers much in the way of compensation if a purchase is not as you expected and helps avoid other pitfalls if you’re buying from an online seller.

Credit cards, meanwhile, offer plenty in the way of extra security against online fraud, which can be helpful if you’re making a purchase from a retail store online or through an online site that you’ve not used before.

Sam is a journalist who specializes in personal finance and often writes for MoneySupermarket.com.

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Making Extra Money 101

Everyone is looking for the next big thing that is going to make him or her extra money.  Making extra money is not hard there are money making opportunities created everyday but if you are going to get involved and try making extra money you do need to know what to look for.  Here are some key tips that will help you on your search.

From network marketing to online marketing to door-to-door marketing it seems like there are a billion different ways to make some extra cash.  Many people will not even try to get involved or look for ways to make it happen because they are worried about getting scammed or loosing money.  The truth is that there are more money making opportunities that are legitimate out there than are not.  The thing is that most people give up or do not have the discipline to make it work for themselves.  They want to blame or point fingers of why the business or system didn’t work.  Just look online…search the term ‘money making opportunity’.  There are more negative reviews out there than there are positive reviews.  This is mostly because the people that do not succeed need someone to blame and want someone to listen.  “Misery loves company” and the people that are having success at a money making opportunity are too busy to care about the people who want to point the finger.

There are some scams out there though and some ways to find the legitimate opportunities compared to the shady ones.  The first thing to do is to ask for a referral.  Look for someone that is having success in a money making opportunity that you might think you would like and ask them about it.  If they are not open to share then find another.  They are not that hard to find and you can always look someone up online and shoot them an email.  The next thing to do is to use your best judgment.  The more you research the more you will find out about making extra money.

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Get The Latest 6 Options To Make Money From Home So You Can Change Your Life

The Entrepreneur's Phone System

If you are having trouble with paying bills or finding extra money to do something new, this article is for you. I will discuss 6 simple ways to make money on the internet.

1. Make money from home with amazons mechanical turk

Turk is all about doing tasks that are simple and easy, take only a couple minutes, and pay you for them.

2. Moving, cleaning, or just don’t want your photos, then sell them

Theres no reason to just throw out your old photo albums. You can get some good money for the pictures in them, you might as well.

3. Get money back for old stuff on eBay

Getting rid of the things you no longer use and are cluttering up the place can become a big hassle. To make it easier you can have a garage sale, where you almost give it away, or sell it on eBay. This is great for those that want to make some money back, and not have to travel.

4. Freelance article writing for blogs

Writing for other sites is an important part of all sites. Making links that help to promote their own. This has to be done through the use of articles , so if you write well then you can sell those articles.

5. Sell items on a niche website

Niche websites are fairly common. The reason for this is because people search for specific information when they perform a search. The keywords they use are for what they are looking for. Or at least that’s their hope. Your site can be the answer and have the items they are seeking.

6. A lot of things get sold on craigslist

As a bulletin board service this is like a messaging system, or note system. You post in a relevant forum what you have and want to get rid of or what you can do for others and they contact you.

Perfect options for those that need some immediate as well as longer term options. These ways are great to change your life with and work very well. What are you going to do?

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