Stuart J. Agres references Puto & Wells by describing this phenomena in his book “Emotion in Advertising: Theoretical and Practical Explorations”. Mr. Agres says, “A transformational advertisement is defined as "one which associates experience of using (consuming/owning) advertised brand with a unique set of psychological characteristics, which would not typically be associated with brand experience to same degree without exposure to advertisement" ( Puto & Wells, 1984, p. 638).

It is essential therefore, that your advertising copy transforms your prospects. You must be able to incite certain emotions in them they believe your product gives them. They must be made to feel they would not feel these emotions if your product was not in their possession.

Have you ever read sales copy that just swept you away? You look up from your computer screen, not realizing you have been mesmerized for last few minutes or so, carried away by great copy. It is usually a great story of some kind, with emotional curves in it, that sweeps you away from reality for awhile.

After reading this type of copy at least once in your life, you’d recognize good copy anywhere. We’ve all seen it. Words are so powerful, they can make us feel hurt, scared, happy, sad, or any other variety of emotions.

If you’ve ever read a Stephen King novel, you know what it’s like to be carried along by a writer. The fear you feel is so real, you sometimes have to pull yourself out of book to turn on a light in room to keep monsters away!

The best copy I have ever read is a personal story that travels along very quickly, telling a compelling tale that concludes with happy ending of why product was necessary for happiness or security.

Decide what emotion you would like your product or service to fulfill. Tell your prospects a wild tale filled with strong feelings. They’ll stick with you long after sale.

YAHOO PAY DIRECT: http://www.paydirect.yahoo.com

Free to register and use, Yahoo allows you to accept payments with American Express, Discover, Mastercard, or bank transactions from your existing offline account. They do have a monthly transaction limit of $1,000.00 for all transactions.

EMONEY MAIL: http://www.emoneymail.com

Boosting over 20,000 users Emoney Mail's service is not free to use. They charge $1.00 to send money and transactions are limited to $500.00 a day. The only way to send money is using your Visa. No Visa, no money for you....that reminds me of an old Seinfeld episode, but that's another story.

PROPAY: http://www.propay.com

This service charges 3.5% of total, plus .35 to move funds to your bank account. Transactions are limited to $250.00 a day. Only two ways to send money with this one; Mastercard or Visa. One nice perk of this service is they'll pay you $10.00 for every person you send to them who registers. Not a bad referral program, if I do say so myself.

BILLPOINT: http://www.billpoint.com

This is E-Bay's service and is preferred method to use if buying or selling on their auction site. No registration is needed for auction buyers to use this service, but sellers must register and pay .35 per transaction for amounts up to $10.00, and .35 and 3.5% for transactions over $10.00.

Transactions can be paid using Visa, Mastercard, Discover, or online check.

As you can see, buying and selling online no longer requires you to have a merchant account, which levels playing field for home based businesses to accept online payments. Many electronic shopping carts are starting to implement PayPal as a payment option when checking out of online stores.

Now there's no excuse for not paying your debts on time. You may not be able to touch it, but believe me, "virtual money" is just as good as real thing. Being paid electronically might not feel same as someone placing "cold hard cash" in palm of your hand, but it's still there: you just won't have to wash your hands as often.