Advantages and disadvantages of debit cards

Debit and check cards, as they have become widespread, have revealed numerous advantages and disadvantages to the consumer and retailer alike. Advantages of debit cards are as follows:

• A consumer who is not credit worthy and may find it difficult or impossible to obtain a credit card can more easily obtain a debit card, allowing him/her to make plastic transactions.
• Use of a debit card is limited to the existing funds in the account to which it is linked, thereby preventing the consumer from racking up debt as a result of its use, or being charged interest, late fees, or fees exclusive to credit cards.
• For most transactions, a check card can be used to avoid check writing altogether. Check cards debit funds from the user's account on the spot, thereby finalizing the transaction at the time of purchase, and bypassing the requirement to pay a credit card bill at a later date, or to write an insecure check containing the account holder's personal information.
• Like credit cards, debit cards are accepted by merchants with less identification and scrutiny than personal checks, thereby making transactions quicker and less intrusive. Unlike personal checks, merchants generally do not believe that a payment via a debit card may be later dishonored.
• Unlike a credit card, which charges higher fees and interest rates when a cash advance is obtained, a debit card may be used to obtain cash from an ATM or a PIN-based transaction at no extra charge, other than a foreign ATM fee.

The debit card has many disadvantages as opposed to cash or credit:

• Some banks are now charging over-limit fees or non-sufficient funds fees based upon pre-authorizations, and even attempted but refused transactions by the merchant (some of which may not even be known by the client).
• Many merchants mistakenly believe that amounts owed can be "taken" from a customer's account after a debit card (or number) has been presented, without agreement as to date, payee name, and dollar and cent amount, thus causing penalty fees for overdrafts, over-the-limit, amounts not available causing further rejections or overdrafts, and rejected transactions by some banks.
• Debit cards offer lower levels of security protection than credit cards. Theft of the users PIN using skimming devices can be accomplished much easier with a PIN input than with a signature-based credit transaction.
• In many places, laws protect the consumer from fraud a lot less than with a credit card. While the holder of a credit card is legally responsible for only a minimal amount of a fraudulent transaction made with a credit card, which is often waived by the bank, the consumer may be held liable for hundreds of dollars in fraudulent debit transactions. The consumer also has a much shorter time (usually just two days) to report such fraud to the bank in order to be eligible for such a waiver with a debit card, whereas with a credit card, this time may be up to 60 days. A thief who obtains or clones a debit card along with its PIN may be able to clean out the consumer's bank account, and the consumer will have no recourse.
• In the UK and Ireland, among other countries, a consumer who purchases goods or services with a credit card can pursue the credit card issuer if the goods or services are not delivered or are unmerchantable. While they must generally exhaust the process provided by the retailer first, this is not necessary if the retailer has gone out of business. This protection is not provided when using a debit card.
• When a transaction is made using a credit card, the bank's money is being spent, and therefore, the bank has a vested interest in claiming its money where there is fraud or a dispute. The bank may fight to void the charges of a consumer who is dissatisfied with a purchase, or who has otherwise been treated unfairly by the merchant. But when a debit purchase is made, the consumer has spent his/her own money, and the bank has little if any motivation to collect the funds.
• For certain types of purchases, such as gasoline, lodging, or car rental, the bank may place a hold on funds much greater than the actual purchase for a fixed period of time. Until the hold is released, any other transactions presented to the account, including checks, may be dishonored, or may be paid at the expense of an overdraft fee if the account lacks any additional funds to pay those items.

While debit cards bearing the logo of a major credit card are accepted for virtually all transactions where an equivalent credit card is taken, a major exception is at car rental facilities. Car rental agencies require an actual credit card to be used, or at the very least, will verify the creditworthiness of the renter using a debit card. These companies will deny a rental to anyone who does not fit the requirements, and such a credit check may actually hurt one's credit score.

Getting Out Before Your Lease Term

There are many occasions and many cases I have seen people need to get out of the apartment before the lease term is over. Same the case with mine when I have owned one of the Denver apartments before my lease time is over. What ever may be the reason, knowing how to get out of your lease is important for you. If not you will be end up paying rent on apartments even after you left, at least to till the term is over. This will drain your financial resources.

Find out how much will it cost to buy your way out to get out of the lease. Most of the apartments allow you to pay your way out of a lease before it is over. This is essential for the protection of the complex and their interests. Find asking your landlord how much it would cost to get out of the lease and then make decision.

Subletting is another alternative for not loosing your money. This option is always available if you have already expected the situation and make certain agreements with your landlord. Some times it will not let you buy your way out of the lease, or it would simply cost too much money to do so, subletting your apartment may be an option that you find attractive in those times. Care must be exercised within this area, though as your name remain on the lease of the agreement. It is your responsibility to make sure that you have a reliable, responsible party living in your apartment if you decide to sublet.

Four P’s Of Marketing

In the early 1960 Professor Neil Borden at Harvard Business School acknowledged a number of company performance actions that can influence the consumer decision to purchase goods or services. Borden suggested that all those actions of the company represented a “Marketing Mix”. Professor E. Jerome McCarthy, also at the Harvard Business School in the early 1960s, suggested that the Marketing Mix contained 4 elements: product, price, place and promotion.
The four Ps are:

• Product: The product aspects of marketing deal with the specifications of the actual goods or services, and how it relates to the end-user's needs and wants. The scope of a product generally includes supporting elements such as warranties, guarantees, and support.
• Pricing: This refers to the process of setting a price for a product, including discounts. The price need not be monetary - it can simply be what is exchanged for the product or services, e.g. time, energy, psychology or attention.
• Promotion: This includes advertising, sales promotion, publicity, and personal selling, and refers to the various methods of promoting the product, brand, or company.
• Placement (or distribution): refers to how the product gets to the customer; for example, point of sale placement or retailing. This fourth P has also sometimes been called Place, referring to the channel by which a product or services is sold (e.g. online vs. retail), which geographic region or industry, to which segment (young adults, families, business people), etc.

These four elements are often referred to as the marketing mix which a marketer can use to craft a marketing plan. The four Ps model is most useful when marketing low value consumer products. Industrial products, services, high value consumer products require adjustments to this model. Services marketing must account for the unique nature of services. Industrial or B2B marketing must account for the long term contractual agreements that are typical in supply chain transactions. Relationship marketing attempts to do this by looking at marketing from a long term relationship perspective rather than individual transactions.

History Of Cliffhanger

The term is considered to have originated with Thomas Hardy's serial novel "A Pair of Blue Eyes" in 1873. At the time newspapers published novels in a serial format with one chapter appearing every month. In order to ensure continued interest in the story many authors employed different authorial techniques; in the aforementioned novel Hardy chose to leave one of his protagonists, Knight, literally hanging off a cliff staring into the stony eyes of a trilobite embedded in the rock that has been dead for millions of years. This became the archetypal — and literal — cliff-hanger of Victorian prose.

Once Hardy created it, all serial writers used the cliff-hanger even though Trollope felt that the use of suspense violated "all proper confidence between the author and his reader." Basically, the reader would expect "delightful horrors" only to feel betrayed with a much less exciting ending. Despite the rhetorical distaste all serial authors used the cliffhanger and Wilkie Collins is famous for saying about the technique: "Make 'em cry, make 'em laugh, make 'em wait – exactly in that order."
Collins is famous for the Sensation Novel which heavily relied upon the cliffhanger. Some examples of his endings include:

"The next witnesses called were witnesses concerned with the question that now followed--the obscure and terrible question: Who Poisoned Her? (The Law and the Lady) "Why are we to stop her, sir? What has she done?" "Done! She has escaped from my Asylum. Don't forget; a woman in white. Drive on." (The Woman in White) "You can marry me privately today," she answered. "Listen--and I will tell you how!" (Man and Wife)"

This anticipation and conversation inducing authorial technique would often be very contrived as the only purpose was to maintain interest in the monthly serial. Therefore, these were regularly removed from the plot when the serial was published as a full novel.

The cliff-hanger was converted into film and is best known from the very popular silent film series Perils of Pauline (1914), shown in weekly installments and featuring Pearl White as the title character, a perpetual damsel in distress who was menaced by assorted villains, with each installment ending with her placed in a situation that looked sure to result in her imminent death – to escape at the beginning of the next installment only to get into fresh danger at its end. Specifically, an episode filmed around the New Jersey Palisades ended with her literally left hanging over a cliff and seeming about to fall.

Although a cliffhanger can be enjoyable as a page turner at the end of a chapter in a novel, a cliffhanger at the very end of a work can be frustrating. Cliffhangers can build anticipation (and, subsequently, profit) for sequels. However, if no sequel follows, effective suspension of disbelief can leave the audience or readership wondering what happened in the work's fictional realm. Sometimes (for example at the end of Blake's 7) that goes so far that people write fan fiction (or even publish a novel) deciding what happens next.

Direct Sales Vs. Network Marketing

Do you know what the fundamental differences between Direct Sales & Network Marketing?

• In Direct Sales, the model is based on a few people doing a lot. In Network Marketing, it’s exactly the opposite; a lot of people doing a little bit each.
• Imagine that you have a product and you want to sell $1,000,000 worth over the course of one year. In the conventional Direct Selling model, you might hire a sales force of 100 people and impose a sales quota of $10,000 per person — 100 x $10,000 = $1,000,000
• In Network Marketing, we simply reverse the numbers to achieve the same result. Here, we have 10,000 people, all responsible for only $100 each — 10,000 x $100 = $1,000,000
• This is exactly what J. Paul Getty was talking about when he said, “I’d rather earn one percent off the efforts of 100, than 100 percent off the efforts of one.”

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Pros And Cons Of Online Auto Insurance

Obtaining online auto insurance today can be as simple as a click of the mouse. But some car insurance quotes you might find on the Internet are nothing more than empty promises. Car insurance online can be purchased through agents or directly from the auto insurance company, but you must know how to look for legitimate companies before you get started. Let's explore the pros and cons of buying your car insurance online.

Two of the major advantages of buying online auto insurance are convenience and low insurance premiums. It's convenient to be able to go online from the privacy of your own home and compare many auto insurance companies, their policies, and how much they charge for the premium. You can go to multiple websites owned by different insurance companies, or compare many insurance companies using one insurance quote service. This beats driving to or calling multiple insurance companies around town to find the right one. Finding online auto insurance quotes can be as easy as filling out a simple form. You can have your quote in minutes, and you can usually get as many quotes as you want free of charge. Requesting an auto insurance quote online does not affect your credit score, and there's no obligation to buy the insurance once you receive a quote.

Though the benefits can be many, there are a few disadvantages to buying online auto insurance. If working with a company you're not familiar with, you can't be absolutely sure that the company is making a legitimate offer until you actually have to make a claim. Some insurance companies appear wonderful on the surface, with very low premiums and a fantastic policy, but they offer terrible, slow claims processing services. Or, they might refuse claims for items that were originally listed in your policy. This can be frustrating and take up much of your time and energy when you need a claim to be processed right away. That's why it is always a good idea to check out any unfamiliar companies with the Better Business Bureau.

Packing Tips for Your Apartment Move

Moving to a new apartment comes with many responsibilities, not the least of which is packing up the whole of your belongings and readying them for moving to your new apartment. In the case of those, who are moving will have allowable budget to hire professionals to pack and move their belongings. In some cases, they take responsibility for packing their own things after which professionals load the packed items onto their trucks and drive them to their destination. There is also a situation that allows cutting down of professional services so that those who are moving to an apartment can save a significant amount of money and still have their belongings transferred to their apartment which has happened in my case when I am moving to one of the Orlando apartments. But that needs a lot of planning and time to make it easy and simple.

Self-Service Moving – It is a service, often referred to as self-service moving, allows those apartment moving to take responsibility for packing and loading their belongings onto a moving truck, after which the professional moving service will drive the truck to your destination. For those leaving the area who also have to drive their own car to their new apartment this service can be invaluable.

Cost Reduction – Self-service moving significantly reduce the costs of professional moving services. Because those who are moving are largely responsible for the bulk of the work, the mover simply charges for the distance that must be driven to transfer the items, as well as the amount of space that is required on the moving truck. Because of this, many self-service movers will charge only for the space used on the truck rather for the entire space available in the vehicle.

Link Building and Methods of Building Links

Link building is the method of getting other Websites to link to your Website. Link building is a central part of online marketing for three main reasons:

• When the search engines are indexing and ranking your Website to decide how high up to place it on the search results pages, they look at how many Websites link to yours. They look at the quality of the linking Website and at how relevant the content is to your content.
• Links from other Websites generate traffic directly to your Website, and if they are good links on relevant sites, the traffic should be well targeted.
• Links create your online status and influence. If readers in your industry keep finding references to you and your Website on a lot of the sites they visit, it builds their trust in you which results in building traffic.

Ways of Building Links
Article Submissions – Whenever you provide free articles, news, or other content, always ensure that your name and web address are provided. Give articles to many article distribution services or pay to join some paid article submission services, which will submit your article to dozens of distribution sites. Write articles for your industry's sites. Watch for who uses your articles and contact them directly to see whether you can provide any additional material. Write press releases and distribute them.

Social Bookmarking – Many Internet users now have one or more bookmarking accounts they use. Make sure it is easy for them to add your Website to the bookmarked list. Ask your friends to bookmark your particular article. If you get a front-page listing, it can drive thousands of visitors to your Website, some of whom may create direct links to the article.

Industry, Supplier and Local Links – Join online schemes. See if your local chamber of commerce or other business support group has a Website where you can get listed. Identify local directories. Often they have a free listing section for local businesses. Find out if your local newspaper has a Website? There may be a link section. Get your site listed on the local library Web site.

Blogosphere – Start your own blog related to your specialist subject area. Keep the content relevant, timely, personalized and interesting. Get links to the blog and create links from the blog.

All this is the process of SEO. You can learn more about SEO at SEO Training.

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My First Apartment Experience

I moved into my first apartment last winter. It was among one of the fine Chicago apartments. I got many things moved into my apartment by 11pm, just some boxes and my washer dryer and freezer. My dad had some friends who came helped that night and the next day. That Friday night I slept on a blow up camping mattress on the floor since my bed was still in the truck. Saturday morning the cable guy came at 7 to connect; I had no TV in the house and had to dig my modem, router and laptop out of a box in my car for him. By 3pm I got all my stuff in with help, also got the truck returned too. I really didn't have a lot of furniture since I gave some of it to my mother and sister so some rooms were nearly empty. Now I have the place full enough.

The life in an apartment did take getting used too. I was not used to hearing occasional noise from my tenants and the people that lived in the house attached to mine. It was also the first time in years I had lived alone with no one except my cat, I had almost always had a room mate or family living with me. Once I got the unpacking done and was settled in I was one minute thankful to have the quiet and solitude and the next feeling a little lonely. Now I have adjusted fairly well the light random noises from neighbors I hardly notice, I go out and visit friends a few times a week to keep from feeling lonely and when I get bored at home I work on painting and other improvement tasks. I now I like being in my apartment and I am fine with being alone, in fact I prefer it over how I used to live and what I put up with.

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My Apartment Search

I rented my first apartment when I was 19. I had to because my University is miles away from my place. I have used my friends help in finding apartments. I could able get apartment but could not get any roommate to share with. I used some online resources to get any one who is looking for same. I found few people but how do I know about them? Then I found some articles on the same websites to select roommates. I implemented those tips. Wow!! They worked for me. I also found reviews and ratings of my apartment given by previous tenants of this apartment. I came to know about the various features to see in selecting apartment. I found some really good apartments in the same locality I am looking for. I had some research on those apartments. I along with my roommate sparred little time in the weekends to find a best suitable apartment for us. Finally we could able to get what we are looking for. We shifted to our new and current Fort Worth Apartment which is more suitable for us and our needs. Thanks to James who suggested me to go for online resources in finding apartments and roommates.