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Money Matters - Internet Shopping Security - How to Buy and Sell Online Intelligently!

Computers and money...with the widespread usebenefit to Pay Pal is it allows you to
of the Internet more and more people areconduct merchant processing-which means you
using credit cards for online purchasing.can sell online to people using Pay Pal,
Even with all the encryption and "security"Master Card, Visa, American Express, Discover
technology out there today, identities areCard, etc to complete the transaction. It's
stolen, credit card fraud occurs and peopleall  very  cool,  secure  and  easy  to  do.
get hurt everyday. Using debit cards is
especially risky IF that debit card is tied2. Having a dedicated E-account will also
to your primary checking account, whichallow you to set up an Ebay account-most
brings me around to the point of thiseverybody knows about Ebay...another reason
article. How to set up a dedicated onlineto setup a dedicated E-checking
E-checking/debit card account for ALL onlineaccount!Setting up a dedicated E-account in
purchasing so you run the least risk ofthis manner is also a good way for people who
taking a financial hit on the Internet... adon't have credit, have gone bankrupt, have
concept you may want to implement.First, youhad lenders revoke or suspend credit cards,
have to find a bank that offers free (and Ior people who are just tired of paying
mean free) checking. Secondly, open ahigh-interest credit card debt to operate
DEDICATED checking account with a smallonline. This way they still have some form of
amount of money (say $20.00 to $100.00) and"plastic" to use in a world that virtually
set this account up for online banking accessdemands its use without paying the ridiculous
and order a debit card for the account. (Ainterest rates associated with credit cards.
debit card is tied directly to a checkingThe key is to keep just the amount of money
account, it looks like a credit card and actsyou need in the E-account as you need it and
like a credit card but its purchasing powerno more (just in case) you get whacked by a
is limited to the amount of money in yourcrook.If you are interested in receiving a
checking account). Thirdly, this E-checkingreally cool "no strings attached" report
debit card account should be treated like acalled E-Tailing! Email us at the address
"self-funded" line of credit to be usedbelow and let us know...we will send it to
STRICTLY for online transactions (don't writeyour email address absolutely FREE. It has
checks from this account-just use the debitclick-able links to take you everywhere you
card like a credit card). The idea being thathave to go-an Ezine reader
IF your account numbers are stolen or you areexclusive!Copyright  Â©  2006
a victim of an online scam, your loss is
limited to the amount of money in thisJames  W.  Hart,  IV
dedicated account. The primary benefit of
this arrangement is that it keeps your onlineAll  Rights reservedNAME: James W. Hart, IV
purchasing completely separate from your
other accounts and limits the amount ofTITLE:  Author/CEO  Smart Books Publishing
damage you will experience if you are ripped
off. The downside of this arrangement is thatWEB  SITE:
your purchasing power is limited to how much
money you have in the E-account and you don'tEMAIL: PRODUCT: Consumer Books, Kits &
have the same "return of goods" provisionSpecial E-Reports in the areas of Real Estate
with a debit card as with a credit card, so& Business. Smart Books Publishing Web Site
you still have to be careful. All thingsis a Pay Pal-Secured Seller/Secured Credit
considered this is one of the moreCard merchant. (Ebay User Number
intelligent ways to purchase online. Ofjim12302)MEDIA INTERVIEW AVAILABILITY: Yes.
course, if you treat this E-account like aCall For Bookings (419)-636-7210. BIO: Mr.
self-funded line of credit it will keep youHart, consumer advocate and CEO of Smart
from charging beyond your means and you canBooks Publishing, previously licensed in the
use this particular debit card for othersale of real estate in the state of Ohio, has
"credit like purchases" like dinners out,been directly involved in the origination of
booking hotel rooms, etc. Again, ifresidential and commercial mortgage
something bad happens, your loss is limitedfinancing. Hart is an honorably discharged
to the amount in the account. But there areveteran of the U.S. Army, graduate of the
more benefits to this strategy:1. Having aUniversity of Toledo. He is a member of the
(dedicated) "E-checking account" online willNational Panel of Consumer Arbitrators and
allow you to setup a Pay Pal account (Pay Palthe Council of Better Business Bureaus, Inc.
is a secure way to send and receive moneyMr. Hart has appeared on a number of radio
online). Pay Pal is, in essence, anand TV stations throughout the U.S. including
"electronic wallet" that has become theWJR-AM, WWWE-AM, WHUR-FM, WRC-AM, WLW-AM,
industry standard for transferring moneyWTVN-AM, WSPD-AM, KDKA-AM, KBGS-AM and
between buyers and sellers online. Pay PalCNBC-TV and many others... Hart is an
set up is free, easy to do and allows you toexperienced and dynamic media guest.
buy and sell online securely. Another



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