Guide to Shopping Online SafelyWritten by John Mussi
Shopping on Internet has now become commonplace. The Internet is an exciting tool that puts vast information at your fingertips. With a click of a mouse, it lets you buy an airline ticket, book a hotel, send flowers to a friend, purchase your favourite item, bank and invest online. Shopping online offers lots of benefits that you won’t find shopping in a store or by mail. The Internet is always open – seven days a week, 24 hours a day – and bargains can be numerous online. Most consumers use credit or debit cards to pay for online purchases.Online Payment options: Most online shoppers use credit cards to pay for their online purchases. But debit cards - which authorize merchants to debit your bank account electronically - are increasing in use. To complete a debit card transaction, you may have to use a personal identification number (PIN), some form of a signature or other identification, or a combination of these identifiers. Some cards have both credit and debit features: You select payment option at point-of-sale. But remember, although a debit card may look like a credit card, money for debit purchases is transferred almost immediately from your bank account to merchant's account. In addition, your liability limits for a lost or stolen debit card and unauthorized use are different from your liability if your credit card is lost, stolen or used without your authorization. Precautions: Shopping on Internet is no less safe than shopping in a store or by mail. Keep following tips in mind to help ensure that your online shopping experience is a safe one. •Use a secure browser - software that encrypts or scrambles purchase information you send over Internet - to help guard security of your information as it is transmitted to a website. When submitting your purchase information, look for "lock" icon on browser's status bar, and phrase "https" in URL address for a website, to be sure your information is secure during transmission.
| | A Short Introduction To FOREX. Written by Adrian Pablo
FOREX is world’s largest and most liquid trading market. Many consider FOREX as best home business you can ever venture in. Even though regular people have had opportunity to take part in trading foreign currencies for profit (in same way banks and large corporations do) since 1998, it is just now becoming cool, hip, new "thing" to talk about at parties, business events, and other social gatherings. Even though it has been somewhat of a loosely guarded secret, every day more and more investors are turning to all-electronic world of FOREX trading for income and profit because of its numerous benefits & advantages over traditional trading vehicles, like stocks, bonds and commodities. But, still, whenever something seems new or is just becoming a part of social conversation, news articles, and water cooler gossip, misconceptions have to be overcome, mind has to be open and slate has to be clear for starting out fresh with CORRECT information. So, in this article, it is my attempt to give you some solid, but not over-detailed, information on just what heck "FX" (FOREX) means, what it is, and why it exists. As a successful trader said, Trading FOREX is like picking money up off floor. Not trading FOREX is like leaving it there for someone else to pick up." Others in industry have also said, Trading FOREX is like having an ATM machine on your own computer. Here's an explanation (one I feel you'll appreciate) of what FOREX is and how a bunch of traders, profit from it: The Foreign Exchange Market, also referred to "FOREX" or "FX" market, is spot (cash) market for currency. But, don't mistake FX as trading futures market, where you buy a contract to purchase a particular currency at a future price in time. What FX traders do is much less risky than trading currencies on futures market, much more profitable, and a lot easier, than trading stocks. So, you're probably wondering where it's at ... or ... how to access FX market? The answer is: FX Trading is not bound to any one trading floor and is not centralized on an exchange, as with stock and futures markets. The FX market is considered an Over-the-Counter (OTC) or 'Interbank' market, due to fact that entire market is run electronically, within a network of banks, continuously over a 24-hour period. Yes, if that's first time you've heard about an all-electronic market, I know this may sound somewhat intriguing to you. Here's what you are actually trading when you participate in Foreign Exchange (FOREX) market: Essentially, like large banks who use FX market to protect themselves from fluctuating exchange rate of different currencies, as an investor, what a FX trader is doing is simultaneously exchanging one countries currency for another. So, in actuality, they're electronically trading a currency-pair and price that is quoted to us is exchange rate between two currencies. In other words, simply quoted price is how many of one currency is worth 1 of other currency.
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