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Dont Charge Me For The Crime

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Today credit cards are all the rage. Everyone has one. No one pays cash for anything anymore. Some people don't even carry cash. Charging is the way to go. And the result? A lot of people drowning in credit card debt. The solution? Try using cash for a change.

When you apply for a credit card be sure you read carefully the terms and conditions. You might start out with an amazing rate. But don't miss or payment or make a late payment. You might find that they double or even triple that rate of interest. Purchases made on a credit card that has interest rates nearing 30% are going to cost you a small fortune down the road.

Credit is not all bad. We all need credit at one time or another and you can't establish good credit if you never use credit for anything. If you always pay cash how will creditors know that you are a good risk? So there is a balance to be had.

But that good credit standing can quickly change if you begin to charge more on those credit cards than you can possibly pay back. Interest is tacked on each month that the credit card carries a balance. It may be only a few dollars now, but let the balance linger for a few months and you will see the difference.

Using credit cards for intangible things encourages debt. It is convenient to purchase groceries, gas, pedicures, and other services on a credit card, but in a few weeks there will be nothing to show for it. When the bill comes, the food will have been eaten and the gas gone from the tank.

An emergency card is good to have. It is very useful when the unexpected happens and there is no disposable cash to take care of it. So it is not necessary to ban all credit card use.

So pick the one with the lowest interest rate, pay the others off and cut them up. Close your accounts and don't let the credit card companies talk you out of it. They are the only ones that stand to gain from you having multiple credit cards and mountains of credit card debt.

Before there was plastic, people used to pay with cash. Remember cash? If people didn't have enough money, they waited until they did. We all could take a page from their book. People are too comfortable carrying around a boatload of debt.

Dont Charge Me For The Crime

As we all know, the highest bidder in an eBay auction wins the item. There's also a "Buy It Now" feature on Ebay you can use to sell your item for a set price rather than auctioning it off, and that's the way I sell all of my items. If you use "Buy It Now", the purchaser can decide to pay your asking price and purchase the item immediately, rather than having to wait for the end of the auction.

If you're selling a physical item, you have to take inventory and shipping costs into account, and we all have to pay various fees on eBay in order to sell items there. These fees vary depending on how much your item is sold for. If you're selling a physical item, don't try to cut the price of the item and then charge a lot for shipping. For example, there's a certain type of computer cable I occasionally buy on eBay, and I'll see the same cable listed at $5 from one vendor and 99 cents from another. Why? The vendor selling it for 99 cents asks $8.50 for shipping! EBay is really starting to crack down on this behavior, and frankly, it's a really good way to discourage customers from making future purchases.

When deciding on a price, the key is to NOT price the item too high…but you also have to avoid selling it at too low a price, because that will make people think that your item has no value.

I went through that personally. When I started selling my first ebook on eBay, I priced it very low, thinking that I'd make up for the low price by selling a lot of them. It just didn't work out that way. If you put too low a price on an item, instead of being happy that the item is cheaper than others, it makes people wonder what's wrong with it. After a while, I raised the price, and started selling more ebooks!

You may have to experiment a bit in order to find the best price to offer your eBay customers, and that's just part of being in business. The key is not to ask too high or too low a price. If you have a competitor on eBay selling the same thing you're thinking of selling, check their feedback to see if they seem to be selling quite a few of them, or hardly any. Adjust your price appropriately, and if one price doesn't move items, try another. And when it comes to selling on eBay, don't be afraid to ask for a premium price - as long as you're offering a premium product!

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