Sunday, September 30, 2012

The Advantages And Challenges Of Online Credit Card Payment For Auction Services

It is not surprising, then, that more and more web sites are seeking to facilitate business through accepting on line credit card payment for services. Numerous studies have shown that the convenience of on line credit card payment for services can increase business and attract more customers for a service provider.

A lot of businesses particular smaller ones of home based businesses run by a single person can be daunted by the task of setting up their web site so they can accept on line credit card payments though. It is actually not nearly as difficult to do as it may appear at first glance. One need not become a professional banker or a computer software genius to set up the possibility and benefit from the advantages of on line credit card payment.

One of the first tasks that a web site owner has to under take before accepting credit card payments is that of opening a merchant account. You should probably research various options because the best one for you will likely depend on the volume of sales you expect, the number of customers you will have and possibly the size of each average transaction. Fees can be high for numerous small transactions and that may affect your final decision. Monthly fee payments for the merchant account can also be a factor with many of the merchant account options.

The main options in setting up a merchant account include doing it through a bank. This option can instill credibility and trust from the site owner because it can be done through a bricks and mortar bank and you may get the help of a bank expert as to which options are available and would best suit your business. A merchant account with an actual bank is often the best option for large businesses with larger amounts of turn over in on line credit card payments. One problem with setting up a merchant account with a bank, though, may come in the form of restrictions from the bank itself. Banks are often reluctant to provide merchant account to internet based stores, particularly new ones or businesses that have no actual assets other than the web site itself.

Another option for setting up a merchant account for on line credit card payments is going through an independent sales organization. These are organizations that have affiliations with banks. They basically are managing the business on behalf of banks and assuming part of the risk. This is an easier type of account for most people to get although it will probably carry a higher cost. This type of merchant account is becoming increasingly common.

Another option when starting the process to accept on line credit card payments for services is to go through third-party processing. This can be done through, for example, PayPal and similar on line payment services but it is not a completely viable alternative to merchant accounts acquired through banks or independent sales organization. It can often add an extra step to the process and may end up costing the seller more as well.

After setting up a merchant account, the journey toward accepting credit card payments continues with options for actually paying. On the company web site, it is possible to set up shopping carts, which are frequently encountered on thousands of web sites today, allowing customers to collect items as they browse and then pay for it all later through a single transaction. Shopping carts effectively emulate the window shopping or browsing experience that many people enjoy while visiting an actual bricks and mortar store and may encourage larger purchases. This can also be done when accepting credit card payments for services.

Several sites of advice are available so you can research the best methods for your site and find guidance step by step to match the particulars of your needs. What is becoming increasingly clear, though, is that on line credit card payments, even for services, is the payment method of the future. An on line store pretty much cannot exist without being able to accept credit card payments. Options such as PayPal are often clunky and, while not everybody who shops on line has a PayPal account, all of them have credit cards. In fact, to open a PayPal account, the potential customer will need a credit or debit card in the first place.

Thursday, September 20, 2012

Selling A Walmart Gift Card

Do you have a gift card you don't plan on using anytime soon? Do you tend to misplace gift cards before they are used or just let them gather dust in your sock drawer? If this describes your gift card redemption habits then you should consider selling your Walmart gift card. That's right, you can get sell your Walmart gift card and get cold hard cash in return. Of course you will likely have to sell the gift card at a discount from the gift cards total balance but even doing this you are likely to come out ahead. Anyone who has gone to a financial advisor has heard the speech about liquid and illiquid assets, think of your gift card as an asset or investment. Holding a Walmart gift card is a lot like holding stock in Walmart, just stock that does not earn any interest, might be lost/stolen or in some states may even expire. You could hold the Walmart gift card for months on end, but as an asset it is not giving you any value. Now if you turn the card into cash you are free to buy something you need wherever you want, you can put the money in the bank, invest it or use it towards a vacation. It all comes down to what you value more, some potential future purchase at Walmart you may never make or whatever you would consume or invest in today if you sold your gift card.

If you have decided to sell your Walmart gift card then the first thing you will need to do is check the Walmart gift card balance. This is easy enough to do, you can check the balance of a Walmart gift card by phone, online or in the store. The easiest thing to do is flip your gift card over and read the information on the back of the gift card. It will definitely have instructions for checking the Walmart gift cards balance online, by phone, or both. After you know your cards balance it is time to decide where and how you want to sell your gift card. There are many ways you can find a buyer for your Walmart gift card in this article we will look at the easiest way to sell your gift card that brings you the maximum return.

By far the best way to sell your gift card is online. There is a website called that lets you sell Walmart gift cards or gift cards from just about any place that issued gift cards in the United States or Canada. The website pays you a percentage of your gift cards balance in cash. They will pay you by check or Paypal depending on your preference. The best part about selling your gift card on Giftah is the simplicity of the process. It took me less than two minutes to sell my card and the payment arrived very quickly. Unlike some of the other methods for selling gift cards the nice thing about selling your card online is that you don't need to exert the time and energy to track down a buyer for your gift card. After all time is money.

You can also consider selling your Walmart gift card by listing it on Craigslist, Kijiji or another local classifieds online or in a newspaper. People who prefer to sell their gift card locally use this option, however it takes a significant amount of work and time for the card to be sold. You must list and ad, if it's in a newspaper there may be a small fee. Then you wait for a response, if you are lucky and get a response you can than schedule a time to meet the person who would like to buy the card. Remember safety first! Be sure always meet people in a public area where you feel safe.

Friday, September 14, 2012

The Advantage Of Using The Safaricom Postpaid Service

When corporate and individual communication needs are well catered, the efforts of availing the services are in fact rewarded. You will not want interruption in the network or a high tariff or no-credit disadvantage or a no-network nuisance! Safaricom reviews speak volume about the Safaricom's unmatched services. This leading mobile phone operator of Kenya has even gone a step further adopting environment friendly energy solutions combining wind, solar power, and diesel to fill the power shortage afflicting Kenya's mobile communications networks. The Safaricom reviews also find mention about the myriad advantages of availing a Safaricom postpaid service.

Maximizing the benefits of mobile telephony is what Safaricom facilitates users with its postpaid service. As a postpaid user you can avail a whole lot of advantages such as credit facility, lower tariffs, personalized customer service via line 200 call center, fax & data, international roaming, PABX connectivity, Executive Voice Mail, and EDGE technology. With subscription to the Safaricom postpaid service you also benefit from the several packages; one such benefit is free phones. To know more about the Safaricom postpaid service in detail for individuals and businesses, you can visit its corporate website. If you read Safaricom reviews on web, especially related to its postpaid service, you can get to know about real experiences from real users!

International roaming with a Safaricom postpaid connection is one of the many aspects that have been spoken volume in the Safaricom reviews. Outside the geographical coverage area of your home network, you can have access to the portfolio of services that you have been availing including voice, SMS and data services. Irrespective of the destination you go to, you can always stay connected; even overseas travelers landing in Kenya can experience uninterrupted service from Safaricom. The company has agreements with 260 network operators in 116 countries to allow their subscribers roam while in Kenya. No matter whether you are visiting Kenya for business/leisure or as a Safaricom postpaid service subscriber visit other countries, you can stay connected always anytime anywhere with your near and dear ones including business associates.

Wednesday, September 12, 2012

Do You Need High-Quality Annuity Leads?

Many agents purchase (so-called) annuity leads from third-party vendors, hoping for an annuity sale, but instead the agents lost money.

The majority of third-party annuity leads are pre-set appointments. Yes, these appointments are set, but they are worthless. Lead companies that sell pre-set appointments uses a foreign telemarketing unit, usually based in the Philippians.
These telemarketers are paid only when they make appointments, which leads to problems for the agent. I purchased 0 worth of pre-set annuity appointments from a third-party lead company.

I called each third-party lead, spoke with the prospect, and each of them told me a similar story. Yes, they spoke to someone in regards to making an appointment, but they did not make an appointment. The prospects explained to the telemarketer they were only interested in information, and did not want to make an appointment.

The telemarketer just could not understand (in clear terms) what the prospect wanted, and agreed to an appointment just to get the person off the phone.

When I confirmed the appointment, I thought to myself, at least one lead is going to pan-out. When I got to the house, it was run-down, and the when the women answered the door, she was wearing clothes from the 1950'sI knew I been burned once again.

I have even been on an appointment, were the prospect threatened to call the police if I did not leave the premises immediately. She still called the police. I showed the police officer the lead, and he just rolled his eyes, letting me go.

What does an honest agent need to do to make a living? I kept wondering; "Are there (truly) legit third-party annuity lead companies, which you can buy leads?"
Next, I tried a postcard lead company. They had a great pitch about how their lead card program had a 3 percent return, so I committed to a test of 0 for this project.

This particular lead company explained to me; that once they receive the postcard back from the prospect, they would call the prospect, confirm the appointment, and then fax me the lead. Ok, this sounds interesting, and I waited three weeks for my first lead.

When the first leads came in, I was overwhelmed with hope. I could not wait to get to the first appointment. Just like before, I called to confirm the appointment before I drove two hours to the prospects home.

Again, I was completely let-down from what I heard on the telephone. They proclaimed they just want free information, not an appointment. So, I asked them; "Why did you make an appointment?" All the prospects had a similar response to my question.

They explained that they only wanted free information sent to them. They did not want to commit to a full-blown appointment. I asked all the prospects; "Did you understand the telemarketer who made the appointment?"

Again, I had similar answers by all of the prospects. They told me; "Either they could not understand (in clear terms) what the telemarketer was saying, or they agreed with them, just to get them off the phone."

I asked the prospects: "Was the telemarketer was a foreign telemarketer?" They responded, and told me the person who called was from India.

Now, everything concerning pre-set appointments where coming in to sharp focus. My final thoughts on pre-set annuity leads, is don't buy pre-set annuity leads.

I remember hearing some positive feedback from agents concerning internet leads, so I did some research, and bought 10 leads for 0 from a respected lead source.

They wanted their money in advance, which was ok, as long as they did not request a check or certified funds sent to them.

They even told me, if there were any bad leads, they would replace the leads with new leads. So, I went along with the program, since I was desperate for commissions.
I found out these leads went to a website on finance, and were asked several questions on various topics relating to retirement, and were sent a free cd in the mail on retirement.

I called all the prospects, and only one lead was actually willing to see me. Figures! The company replaced the other nine leads, four times. This means this company gave me thirty-six replacement leads that were worthless. They ended-up not returning my call, so I stop calling, and chalked it up as a learning experience.

I started wondering if there were such a thing as "high-quality" annuity leads, which the prospect went to the internet and requested an appointment directly with an agent. I found-out there is a company that sells high-quality annuity leads. The prospect is trained in annuity planning (online) before you see them, and they are eager to set the appointment (themselves). Now, that's a high-quality annuity lead!

Saturday, September 8, 2012

Forever Living Products: How To Become An FPL Top Producer

Forever Living Products is a Scottsdale, Arizona-based company which provides products in the health and wellness products sector.

If you wish to become a top earner in Forever Living Products, you need a way to promote to thousands of people- not just to the small number of friends and family people in companies such as Forever Living Products are taught to approach.

You MUST learn to market!

Read the rest of this article to learn several strategies top 2% earners are using to build large and lucrative businesses in companies such as Forever Living Products:

Be An Extremely Prolific Marketer

Top producers in opportunities like Forever Living Products typically market more prolifically than everyone else.

How skillfully you implement the primary multi level marketing activities (lead generation, qualifying your prospects, presentation) will impact how quickly your Forever Living Products business grows.

But it's also true that the QUANTITY of your execution matters as much as, or more than, how skillfully you complete each task.

Marketing more than the competition in Forever Living Products means generating more web traffic and creating a greater number of leads on a regular basis than other marketers in Forever Living Products.

If you're doing article and video marketing, then go ahead and publish a larger number of articles, videos, and blog entries than everyone else promoting Forever Living Products.

Every time you implement more advertising, then you should place more ads, in more places, than everyone else promoting Forever Living Products.

Every time you do webinars to present Forever Living Products then go ahead and do several webinars every single week. Not once every month or so.

Being an extremely prolific marketer means sending an email broadcast with useful tactics (and a call to action!) to your Forever Living Products opt-in leads list each day. Not sometimes. Daily!

Get an edge by just plain IMPLEMENTING MORE MARKETING, FOLLOW UP ACTIVITIES AND DOING MORE PRESENTATIONS than the competition marketing Forever Living Products.

If you drive more website traffic, bring in a larger number of leads, and conduct more webinars than others, you will most likely generate more income than others in Forever Living Products.

Marketing Is More Critical Than Duplication

People in network marketing companies such as Forever Living Products are told they need to keep everything they do simple so people in their Forever Living Products downline can duplicate these activities.

Does this keep everything duplicatable strategy actually work? For a very small percentage of marketers, yes, this strategy is effective.

But for the masses of network marketers in opportunities such as Forever Living Products, keeping all the activities in their business simple will NOT necessarily promote duplication.

To prove this to you, look at these stats:

Only about 1 in 5 people in your Forever Living Products downline will sponsor anyone else.
The minority of people that sponsor anyone will only ever sponsor about 2 or 3 people...ever!
The remaining 80% of your Forever Living Products downline won't ever do a darn thing.

The "keep everything duplicatable" strategy that network marketers in Forever Living Products are taught (like some ancient gospel) actually only causes 20% of the people to sponsor anyone. And they tend to sponsor a tiny number of people!

The strategy to "keep it simple" sounds great but in practice does NOT invoke high levels of duplication. In fact, this strategy creates problems very few people ever recognize.

The most popular tactic to keep things simple is "warm market recruiting", making a list of friends and family and then prospecting them to try to get them to join Forever Living Products. People promote this strategy not because it's the most effective tactic, but because it's the simplest.

Warm market recruiting can lead people to quit Forever Living Products. After a person runs out of friends and family to talk to about their Forever Living Products business, they often get frustrated and quit the business. They literally have NO IDEA how to do the one thing that can bring in new reps like clockwork, day in and day out: marketing and advertising their Forever Living Products business properly.

The second problem this friends and family approach creates is it repels high caliber prospects. Ideal prospects for a Forever Living Products business are people with transferable skills and large personal and professional networks. Real estate professionals, professional salespeople, executives and other business people fit this category, but these people tend NOT to want to approach family and friends about their opportunity, For many professionals, their reputation is their most valuable asset. Few professionals tend to feel comfortable introducing their network to a business opportunity they just got started with.

Should you start your Forever Living Products business with warm market recruiting? Yes. But unless you learn at least one rock solid marketing and advertising approach, you will run out of people to talk to. Keep in mind your highest quality prospects are going to want to implement a professionally sales and marketing approach as well.

Learn how to market your business on the Internet, and you can attract extremely high caliber Forever Living Products prospects who want to learn the same. Plus you won't need as much duplication because your reach will be so wide you can sponsor many people yourself into Forever Living Products. If only a few high caliber team members learn to market Forever Living Products online, you could build a very large Forever Living Products organization.

Solve Your Attrition Problem

More than 80 percent of the people in your Forever Living Products organization will quit the business within the first year. Attrition can make growing your Forever Living Products business every month very difficult.

People in companies such as Forever Living Products are usually taught two methods to solve their attrition issue. Method one is to assist new Forever Living Products distributors to make money right away, so they get an early taste of success and want to stick around. The second approach is to get your Forever Living Products downline members to feel part of the "team", something bigger than themselves, so they want to stay part of the group. Live team events, Forever Living Products team conference calls, and one-on-one coaching can foster a sense of team.

I have tried both of these methods. They don't stop attrition in opportunities such as Forever Living Products as much as you'd think. And these tactics create other problems.

When you attempt to help EVERY new Forever Living Products rep in your organization get into profit quickly, you spend LOTS of time helping your worst-performing new reps, the people who can't sponsor anyone by themselves. This takes focus away from your best people, the top 20% of your Forever Living Products downline that will drive 80% of all your income. Spending most of your time on the weakest 20% of your people just fosters dependency.

The other approach is to create a sense of team loyalty among your Forever Living Products team through live events, team conference calls, etc. This takes up enormous amounts of time and can also make your people dependent on you. Many of your weaker-performing team members will end up sticking around because they like being part of the team. But these people will NOT sponsor others by themselves routinely into Forever Living Products and will require LOTS of team support in order to stay in the game.

You're running a business, not a self-help group. You must learn to focus 90% of your support efforts on the small minority of people on your Forever Living Products team doing most of the sponsoring, NOT on the masses of people who need the most help.

A totally different approach to addressing attrition is not to try to increase retention, but to make attrition almost irrelevant to your business. To make attrition less of a problem, promote affiliate products to your prospects, which can easily add more than 10 affiliate income streams to your business. This diversifies your income and makes you less dependent on your downline for revenue. When you depend less on your downline for income, attrition matters less.

A second way to make attrition less important is to promote a high ticket opportunity that pays commission of ,000-,000 per sale. Traditional network marketing opportunities like Forever Living Products pay out only about -0 per new signup, so you must develop a large team and residual check to make a substantial income. When you earn ,000+ per sign up, you effectively earn 2-3 years worth of residuals up front, regardless whether your new signup endures for 6 days or 6 years. This approach makes attrition almost irrelevant to your business!

Make attrition far less of an issue by reducing your dependency on your Forever Living Products downline for your income. Diversify your revenue and increase your up-front income. Promote a high ticket opportunity that pays a commission of ,000 or more, and promote affiliate products.