Tag Archives: Investment

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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Why Some Organizations Don’t Invest in Office Décor

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There are several major reasons as to why some organizations don’t invest in office décor. We are coming from a background where anybody who is a keen observer of these things is likely to notice huge differences in terms of how various organizations seem to view the whole office decoration thing. There are some organizations which, seemingly, take it very seriously and commit considerable sums of money to the purchase of office decorations. Then there are other organizations which either seem to be incapable of spending money on office decorations, or organizations to which office decoration is simply not a priority. Simply put, there are some organizations which don’t invest in office décor. We are interested in knowing why that is the case. And is where we come to learn that some of the major reasons s to why some organizations don’t invest in office décor include:

The inability to afford office décor. There are some organizations whose leaders would love to decorate, but whose financial reality is such that they can’t afford decent office decorations. So they opt not to decorate, rather than decorating with cheap décor items (which may backfire and make them look worse). While decent office decorations are expensive, they can’t be termed as very cheap either. An organization which is struggling financially is likely to have other priorities, and things like office decorations are usually only thought about once the more immediate issues are dealt with.

The nature of some organizations’ operations. There are, for instance, some organizations whose operations are such that their investment in costly office decorations would be frowned upon. An apt example here is that of charity-funded organizations. The nature of operations run by such organizations is such that, if they spend much money on things like office décor, their sponsors may end up feeling that their monies are being misused, and thus withdraw support. The people leading these organizations may desire the best décor, but knowing the sanctions they are likely to suffer if they buy seemingly extravagant items with their donors’ money, they opt not to buy the décor items in question.

There are also other organizations whose operations are such that each and every purchase has to be very carefully deliberated upon, and approved by a long chain of bureaucrats. Government agencies are in this category. The people leading such agencies find that if they were to buy office décor, they’d need to justify the expenditure to too many people (and it may be hard, if not impossible, to justify this expenditure to some folks anyway). So they opt not to recommend purchase of office décor items like an office chair mat, which may end up making them look ‘petty’ to higher bureaucrats, who may not even understand the importance of such office decoration items in the first place.

The lack of knowledge on the benefits of proper office décor. Simply put, if the people occupying the top echelons of an organization lack keen understanding of the benefits associated with office decorations, they are unlikely to approve expenditure of money on office décor items.

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Money For Nothing? Classic Rock Posters Are The New Source of Memorabilia Millions!

David Bowie's star at Holywood.

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A 1978 Clash poster or a pin up of David Bowie, rock posters collected over the years have previously only had sentimental value to their owners. Now with a generation of music lovers reaching retirement and with serious money to spend, all of a sudden, vintage rock posters are a valuable commodity.

Record memorabilia guru Jeff  Gold, a former Warner Brothers executive, recently revealed in an interview, precisely why rock memorabilia was a sound investment. He said: “If you buy a £10,000 poster, it’s a £10,000 poster. And, if you have good taste and choose wisely, it will gain in value.”

The trick with any investment is knowing how well it will perform in the future compared with the nearest alternatives. Even with the rise in the base rate of interest predicted for August, the chances of earning a reasonable return from regular savings or ISAs is profoundly slim, and will stay that way for years to come.

The days where TV shows like Property Ladder were all the rage and the country kidded itself that a property boom would last indefinitely are also at an end. You might pick the right property that appreciates in value over the coming few years, but in general, the boom conditions that saw almost any property increase in value are gone, investing in property is no longer a ‘get rich quick’ method, if it ever was.

With a banking system that has yet to face any serious reform, there is no reason, in theory, why the catastrophic events of 2008 cannot happen all over again, so it is probably wise to steer clear of financial investment wheezes for a while until the is more stability in the market.

It is time to become adaptable and ingenious in order to invest for the future, and new markets in memorabilia and collectables are constantly being explored. Wine, cars, god and watches, all these markets are heavily saturated and the starting prices for commodities are high.

By contrast, the rock memorabilia market is growing, and it is precisely at this moment that some of the best investments can be made. One example of the kinds of figures involved is the $69,000 price tag attached to a Beatles poster of their classic New York Shea Stadium gig in 1965.

Even a 2003 White Stripes Poster collected $1,600 after initially being bought for $15. A 10,000 per cent profit on an original investment should be the kind of sums that make even skeptical investors sit up and take notice. A poster that captures a moment in music history is likely to command a higher price than one that doesn’t.

There has always been a market for music memorabilia, you need only step into a Hard Rock Cafe and see poster for the Who and Kiss that probably cost the chain thousands. What makes the current market different, and what makes it a far more interesting prospect for investor and speculators is the internet. Sites like EBay are magnets for poster hunters, and their active search for pieces of rock history are fuelling price rises.

As with all markets the are periods of expansion and contraction, and currently investment money seems to favour market growth in the music memorabilia field. It might be time to explore the market, snap up some great investments and help preserve some great moments in rock history.

James McHeggins mainly writes for JustRemortgages.com a UK company which constantly searches for the latest remortgage rates and remortgage deals.

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