Earn Cash Back When You Shop Online

Cashback shopping is a growing Internet shopping experience, you not only get all the online discounts, promotional giveaways, free trials & special offers that the company you are buying from normally offer, but you also earn money back, for things that you would be buying anyway!

Cashback websites pay the money earned to members via various payment options (BACS, PayPal or cheque) within a stated time period and this is in cash, not points, so the member can use the money to buy anything they like, not just what a particular retailer wants to offer them, such as you would get with a Nectar Card or Clubcard, or a site that offers you points towards items in their “gift catalogue”.

Cashback shopping in the UK is relatively new, but it is growing, with more sites appearing every week. As 1 in every 10 retail purchases in the UK is now made over the internet (according to figures published by the Interactive Media in Retail Group), there are certainly good sums of cashback available to claim by clued up consumers.

Cashback sites have clickable links to online retailers that are provided by the retailers through companies called affiliate networks. Many cashback sites have over 1000 links, meaning there’s a great choice of retailers, in many different categories, for you to get cashback from. Many of the well known high street brands are available on cashback websites.

Merchants advertise their products on websites & when a surfer clicks on the ad & then buys the product or service, the retailer pays a fee (commission) to the website owner. You will see these ads all over most of the websites you browse everyday. Cashback Shopping sites act as an interface in between retailers and online shoppers, offering to share that payment with their members. Once an online shopper clicks on the links of the retailers listed on these portals he is redirected to the retailer’s website as normal and upon buying the product, gets the cashback percentage, or flat rate payment promised by the portal for that particular retailer.

You register with your chosen cashback site; the registration allows the website to know which member made which purchase & match the cashback paid from the retailer (via the affiliate network) to their account. You will need to be logged in to the cashback site & choose a retailer you want to buy from. The cashback offer for the retailer will be displayed against the link & will generally be a percentage of your purchase total, (e.g. 5%) or a set amount, (e.g. £30) for a contract mobile phone, or for opening a bank account.

When you click the link to a retailer, you are taken to their site and you make your purchase in the normal way. From the moment you click, the affiliate network will be tracking the transaction using (cookies stored on your PC), which identifies that you clicked on a link from a particular website (i.e. the cashback site). Commissions paid to other websites such as MSN, Yahoo etc. are tracked in exactly the same way, so don’t be wary of the tracking cookie.

Usually within a day or two, the affiliate network reports the transaction back to the cashback site and states how much commission is due to be paid to them. The cash back site then credits your account with a share of this commission (see the site for exactly how much – some sites pay around 50% of the commission earnt, whereas others pay 100% of the commission, but charge an administration fee).

The money becomes payable to you when the commission has been received by the cashback site from the retailer via the affiliate network, but only when you have reached the minimum payout level for the cashback site (again, this varies from site to site). Once both these things happen you can claim your money from the cashback site.

Typically your cash-back from purchases will become confirmed/payable about 2-3 months after the transaction. This is to allow for return of goods etc so that retailers don’t get stung. Uncleared payments usually show as “pending”.

The prices you get via cashback site links are the same prices that everyone else gets. The only difference is that you are getting money back on top & as well as this, you’re usually able to use retailers’ online discount codes in conjunction with cashback offers, making for even greater savings! Most sites will display lists of the special offers & codes that each retailer is offering, without you having to go hunting through the site.

Most of the UK cashback sites are free to join and even give you a sign-up bonus to get you started! They may also pay you an additional bonus if you get friends and family to join up, using a referral link that they give you. There are some sites that don’t do this, but they do claim to pay 100% of the commission they receive from the retailers!

The only restrictions are those the cashback sites set in terms of minimum payout levels, but with just one big-ish purchase (e.g. insurance policy or mobile phone contract) you may exceed this in one go.

Why else might you shop online, other than just for cash back? Well, the top reasons for shopping online include avoiding crowded stores, the availability of lower prices and the wide selection of goods and services available. Basically, you can sit at home, not get stressed by the crowds, still buy what you want, but get it cheaper and choose from a wider selection, not to mention if you use a cashback site, get some of your money back too!

Finally, there’s no limits on the amount of cashback you can earn with cashback sites and with 98% of retailers you can make repeat purchases and get cashback every time!

You can literally start saving money right now, in the next couple of minutes. It won’t cost you anything at all. And you just go on saving year after year. Just think how much money you are going to get back over the next year, the next 5 years, the next 10 years, just for using a cashback site to buy what you were going to buy anyway!!!

We would suggest that you register with at least one cashback site & then use a comparison site like Kelkoo or Price Runner to find the lowest price, or in the case of insurance confused.com, comparethmarket.com or moneysupermarket.com, but then return to the cashback site to click through to the retailer; that way, you are getting the best price & cashback too!:o)

Beware! As mentioned earlier, the cashback site relies on a tracking code (also sometimes known as a cookie) to record which site you came from & who is entitled to receive their cashback. If you initially visit a retailer through one site & then return to it through the cashback site, you may not get the cashback you expect, because the first cookie is the one used by the affiliate network.

Therefore, before using your cashback site, we recommend removing cookies from your browser, using the tools already built in to your browser, or by using an excellent free piece of software: CCleaner! This ensures that the “click” through the cashback site is the one registered by the affiliate network, not one from a comparison site, who would then get the money & not share it with you!!

How To Read A Credit Card Merchant Statement – 5 Ways To Categorize Fees

Reading your merchant statement and finding the rates and fees you’re being charged can be like playing “Where’s Waldo?”. One reason is because there are nearly as many different statement formats as there are merchant acquiring companies. Also, because of how competitive the industry has become, many monthly statements don’t completely disclose the rates being charged. And sometimes they are completely hidden.

I know of banks that don’t even send a statement out. If a merchant wants details of what they paid they have to logon to an online account to find it.

It’s War Out There!

One reason for this is the competitiveness. You have to remember that credit and debit cards make up part of a 2 trillion dollar industry. Money is like a magnet – it attracts Most merchants are being contacted continually by competing processors trying to get them to switch processors, by promising “lower rates”, etc.

So, to prevent a sales agent from another processing company from taking a merchant away – some processors make it as hard as possible for a competitor’s sales rep to walk in to a business, analyze a merchant statement, and do an ‘apples for apples’ comparison.

That being said, there are still some basic keys to look for when reading your statement. Here’s what I look for in analyzing a merchant statement, in order:

  • One: The pricing structure – how has the account been set up? Which pricing model does it employ? Is it using tiers (e.g. 3-tier; 4-tier, etc.) or – is it using “Interchange Plus”? (NOTE: most merchants are on a tier pricing model, which, in my opinion guarantees they’re being overcharged. Also, there are other pricing structures but tier pricing is by far the most common)
  • Two: The monthly fees (sometimes called “Other”) – next, I look to see what the monthly fees are. This can include: a statement fee; monthly service fee; account maintenance fee (normally, you’d only see one of these although I’ve seen two – or, you may see the equivalent fee but using a different term); PCI fee; batch fee; and gateway or access fees. Any miscellaneous, but not monthly fees can also show up here – e.g., an annual fee or semi-quarterly.
  • Three: Processing Fees – this is where the discount rates will be listed. If you are on tier pricing the best statements will print an itemized list showing the “qualified”, “mid-qualified”, and “non-qualified” (the 3 tiers) rate. If you are on Interchange Plus, you’ll see a list showing all the different cards you took, followed by the actual interchange rate for the card, the “dpi” (discount per item), plus the processors mark-up expressed as basis points and a transaction fee (or per item, depending on the term used to list it).
  • Four: Authorization Fees – here’s where you’ll find fees that go to VISA and MC. They’ll show up listed as access, authorization, and /or WATTS fees. You could also find here AVS fees (address verification); assessment fees; brand usage fee; risk fee; settlement fees, IAS fee (Issuer Access & Settlement).
  • Five: Third Party Fees – 3rd parties means networks other than VISA & MC that are included in your statement. This would include American Express, Discover, and the debit networks if you are using pin debit

Part of the problem in reading a merchant statement is different processors use different category names and different terms to identify charges. That’s why I began by saying it can be like playing “Where’s Waldo?” While there are common terms used for certain fees there is also a wide variation used, depending on the acquirer (the company you signed a merchant agreement with).

Again, part of this is due to an attempt to hide what’s being charged and make it difficult for a competitor to analyze a statement. While that’s ‘somewhat’ understandable – in my opinion it’s a disservice to the merchant. Integrity demands transparency. Maybe if processors were more merchant oriented they’d have a lower turnover and would not have to worry about competition so much. At least that’s my opinion.

How Do You Choose The Best Auto Glass Repair Company?

The windscreen provides structural strength to the body of the car and helps keep passengers inside the car when an accident occurs. This is also what supports the performance and inflation of passenger side airbags. It therefore needs to be top quality and should be installed properly to serve its function. Specially formulated adhesives are used on the auto glass to meet safety standards. When you have a damaged glass, the next step is to find a reliable repair company that can repair it back to functionality.

Because the auto glass does so much more than just keeping you protected from the elements, you want to make sure that it is accorded the best services. There are so many repair companies offering the auto glass services, but only the best can deliver quality results with yours. You can find the best for the repairs by being attentive to factors that matter most.

Ask for certification. Your auto glass repair company ought to be certified by the auto glass replacement safety standard body relevant in your area. The organizations have developed standards that need to be met when doing the replacements and only certified company will give you that kind of reassurance for your industry requirements. Visit the company if you can and ensure that proper licensing is in place.

Check the technicians. The company may be certified, but remember that an individual technician will be responsible for the repair works. Ensure therefore that you get a technician who is also qualified and certified to get the kind of results you expect with the repair works. A good technician should take you through the repair process and help you make the right decisions with the glass and adhesive to use.

Ask the company about safe drive away time. This is the length of time you will need to allow for the adhesive to cure to safe levels before you are allowed to drive the car again. Usually the type of adhesive used will determine how long the car will need to be out of service. Some adhesives will take only an hour to cure to safe levels, whereas for others it may be three hours or more. Incline more in getting quality repair works done but also ensure that you can also do with the off-time.

Consider OEM glass for the replacement. OEM parts are originals from manufacturers and they are always superior in quality. Find out whether the auto glass repair company uses the original products or aftermarket ones so you can make an informed decision. It is always a much better choice to use OEM glass that matches your vehicle perfectly.

Ask about insurance claim acceptance. Most repair shops will accept billing the replacement costs to your insurance company when you are thinking of filing a claim. Take care of the deductible and enjoy the repairs works affordably.

Think about warranty. A reliable repair company for your auto glass should be able to provide you with a written warranty and even a record for the completed work. It goes to show confidence in services offered as far as quality goes.

Advantages and Disadvantages of Online Classifieds

If you want extra traffic to your website, online classifieds are the way to go. Online classifieds are similar to newspaper classifieds. The only difference is that newspaper classifieds are only viewed by the people in the area that the newspaper was written for. Online classifieds can reach a global audience. So the amount of traffic one can receive is unlimited. There are several advantages and disadvantages to using online classifieds for business.

One advantage is the amount of time it takes to write and post an ad. It should take no longer than twenty minutes to write a good ad and post it to a classified directory. They are a quick method for advertising for internet marketers who don’t have a lot of spare time and want to increase their results.

Another advantage is that online classifieds produce quick results and require very little physical effort. Placing an ad can bring traffic to a website almost instantly. If done correctly, one can generate a boat load of traffic from classifieds.

A third advantage is that this strategy is very low cost. You can post to many classified sites for free. It is great for anyone who doesn’t have any money to advertise with or anyone who has a small budget.

One disadvantage of this type of advertising is that an ad will expire quickly. The ad will drop lower and lower in the rankings until it is not generating any traffic at all. The ads must constantly be replaced. Consistency is the name of the game. Keep posting ads daily and the results will speak for themselves.

Another disadvantage of this type of advertising is that one must post to many classified sites to see big results. Advertising on one site is not enough to produce great results. Take it to the next level and send ads to about 5-10 classified sites.

Overall, online classifieds are a great way to generate extra traffic to a website. It is quick and easy and does not cost a lot of money.