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Can Your Customers Pay By Electronic Check?

by: David Bell

What's the Real Story About Electronic Checks?

Accepting electronic checks is essential to any business, and should not be overlooked. As many as 20% of America Online, Prodigy, and CompuServe users pay for their internet access by electronic check.

Are you curious about how some web-sites take checks? Have you ever paid your electric bill or cable TV bill by check over the phone? Have you paid your doctor, dentist or insurance company this way?

Many of these businesses and individuals are using popular software called CheckWriter to make this possible. CheckWriter is a stand alone software program that allows anyone to accept checks as payment over the phone, by fax or at any web-site. These check drafts can be deposited into any U.S. bank account the same day.

CheckWriter runs on a Windows 95/98 operating systems. Using a laser, ink-jet or bubble jet printer and a piece of Federal Reserve regulation check paper, the user can create a draft of the check that can be immediately deposited. Banks treat a draft just like they treat a check.

These drafts require no signature, just a verbal, fax or electronic authorization from the account holder. Taking check information is like taking credit card information. Rather than asking for the credit card number and expiration date, you ask for the routing number, account number and bank name.

Businesses and individuals can use CheckWriter, and no special bank account is required. There are no transaction fees, discount rates, or monthly fees. CheckWriter is software that you buy one time and then own forever.

Need 10 Reasons to use CheckWriter in Your Business?

No Fees. Buy the software one time, use it free forever.
Free Technical Support. The company provides free telephone technical support for 30 days, and web-based support for life.
Guaranteed or your money back. CheckWriter has a 30-day unconditional money back guarantee, and all checks are guaranteed to be accepted for deposit by any U.S. bank.
CheckWriter works great for collections. If you have slow pay customers on your books, use CheckWriter to get the payment the same day.
If someone does not own a credit card, they can pay by check instantly. If you don't take credit cards, you can start taking checks, and deposit payments by tomorrow afternoon.
If you want to take monthly installment payments from clients you can use CheckWriter to draft these payments each month, giving you the ability to better manage your receivables.
If you take orders over the phone, you can take checks by phone.
If you take orders at your web-site, you can add checks to your web-site very easily, and instantly increase current sales figures.
By ordering CheckWriter and offering this option to your customers you can have a sales increase of 10-25% within the first few weeks.
Perhaps more importantly, your competition uses CheckWriter.

Take payment at your site without paying ANY monthly fees. Taking checks is much less complicated than taking credit cards, and there are no discount rates, or transaction fees. Only a one time cost for the software which is less than $100.

Taking payments is simple and checks can be deposited in to your checking account the same day. Visit the checks-by-phone.com web-site to learn more about CheckWriter software.

Try an online demo of the software for free, and see how it works. View a sample of the check draft itself, and ask yourself:

"If CheckWriter has been available without a license since 1996, why don't I use it yet?"

http://checks-by-phone.com

I hope this helps in your future marketing decisions.

About The Author

David Bell

http://www.wspromotion.com/

Advertising research and development center

White Bread or Whole Wheat Bread?

by: Arnel Ricafranca

For any kid who grew up eating doughy, thick Wonder Bread for lunch, the encouragement by dietitians and nutritionists to switch to whole wheat bread can be a tough transition.

Bread, like any other part of our diet, is an acquired taste. Starting out early helps since children are much more adaptable to accepting foods than adults. This does not mean that children LIKE as many foods as adults - children are renowned picky eaters. But if you only expose them to healthy, whole grain foods they won't have the opportunity to develop a taste for white bread or other non-nutritious foods.

Adults, however, must learn to change their diet preferences because of knowledge. Understanding why whole wheat is superior to white bread can help you feel good about the compromise and encourage you to make it the standard for your children. Who knows - you may even like it!

WHAT IS THE DIFFERENCE?

The...

White Bread or Whole Wheat Bread?

Credit report > White Bread or Whole Wheat Bread?

Credit Counseling Signs That You May Need Help

Credit Counseling Signs That You May Need Help

by: Nathan Dawson

Credit counseling is a viable option for those who are feeling the stress of being overwhelmed by debt. Credit counseling primarily offers assistance with working out a credit and debt repayment plan for an individual to gain control of their finances by creating a structured budget for an individual to follow. Credit counseling offers an individual the option to repay their debts, if needed, through a credit counseling debt repayment program. This is where the credit counseling organization becomes in contact with an individuals creditor to ask for lowered interest rates and for the credit provider to stop any late and over the limit fees that may be attached to a particular credit card. Credit counseling organizations that provide a no charge credit and money management education program for an individual typically have the individual consumers best interest on their mind.

Credit...

Credit Counseling Signs That You May Need Help

Credit report > Credit Counseling Signs That You May Need Help

Simple Tips On Getting Your Loan

Simple Tips On Getting Your Loan

by: T. O' Donnell

So, you want to get a loan? Here are some simple tips that will help you make an informed decision about what kind to buy, and who to buy from.

A loan varies according to:

The amount borrowed;
The interest rate;
The type of rate (fixed or variable);
The term (length in years) of the loan;
Deposit (downpayment);
Associated fees (broker, origination, prepayment etc.);
Insurance required by the lender.

You are buying money for more than it cost the lender. Simple.

It's a mistake to only care about the interest rate; there are also *arrangement fees* and *prepayment penalty* clauses to consider. This is how brokers and lenders make their money. Work out the total cost of your loan before committing.

Keep a copy of every cheque you write for your loan. If you call your lender about your loan, make sure...

Simple Tips On Getting Your Loan

Credit report > Simple Tips On Getting Your Loan

Simple Tips On Getting Your Loan

Simple Tips On Getting Your Loan

by: T. O' Donnell

So, you want to get a loan? Here are some simple tips that will help you make an informed decision about what kind to buy, and who to buy from.

A loan varies according to:

The amount borrowed;
The interest rate;
The type of rate (fixed or variable);
The term (length in years) of the loan;
Deposit (downpayment);
Associated fees (broker, origination, prepayment etc.);
Insurance required by the lender.

You are buying money for more than it cost the lender. Simple.

Keep a copy of every cheque you write for your loan. If you call your lender about your loan, make sure...

Simple Tips On Getting Your Loan

Credit report > Simple Tips On Getting Your Loan

How To Get An Auto Loan With Bad Credit?

by: Dean Shainin

You have found the car of your dreams, but you know your credit is not the greatest. You ask yourself, ?How can I get an auto loan with bad credit??

You are not alone. Thousands of people ask the same question everyday. Just because you have bad credit, does not mean you can not buy that car of your dreams. When considering bad credit auto loans, you can save yourself thousands of dollars when you know about the options available to you.

You can get all the resources you need to compare auto loans with competitors trying to earn your business online. Now you can shop online from the comfort of your home. An auto loan online can save you the hassle of many long hours waiting at a car dealership for an approval.

5 Ideas To Help Get A Bad Credit Auto Loan

1. The first step is to find out what your credit situation really looks like. With a credit score, also known as a ...

How To Get An Auto Loan With Bad Credit?

Credit report > How To Get An Auto Loan With Bad Credit?

Get Real-time Adsense Channel Stats And Find Out Which Ads Are Being Clicked

Get Real-time Adsense Channel Stats And Find Out Which Ads Are Being Clicked

by: Subhendu Sen

If you have multiple sites or multiple directories in your site for different subjects and you have placed Adsense codes in your site, I am sure you would like to know: (a) from which site or directory you are earning the most / least, (b) which Adsense ads are being clicked and (c) from which page?

CREATE CHANNELS FOR EACH SITE

To get separate stats for each site / section / directory / page with Adsense, you need to create channels for each one. Create a channel with a relevant name and generate a code for that channel. Paste that particular Adsense code to the concerned pages / sites.

GET CHANNEL STATS IN REAL TIME

Google now provides Channel Data in real time. Earlier, it used to provide data for '2 days before'. Follow the procedure mentioned below :

From 'Date Range' drop down menu, select 'today'.
...

Get Real-time Adsense Channel Stats And Find Out Which Ads Are Being Clicked

Credit report > Get Real-time Adsense Channel Stats And Find Out Which Ads Are Being Clicked

A Guide to Do-It-Yourself Credit Repair

A Guide to Do-It-Yourself Credit Repair

by: John Mussi

Having poor or bad credit can be a major burden, not only in your financial life but in other aspects of your life at large as well. Not only does it bring major problems into the act of getting a loan or credit card, but you may also be denied certain housing rentals and even employment opportunities. Unfortunately, getting your credit back into shape isn't as easy as some might have you believe? with all of the scams and overpriced services involved with credit repair, it can be hard to tell who you can trust with your financial information.

Luckily, there is hope. Though it's not always a quick process, it's entirely possible to repair your credit on your own, turning your current bad credit into good credit in the future. The information below is designed to get you started along the path to credit repair, so as to help you to get the hang of it and keep you both out of bankruptcy and...

A Guide to Do-It-Yourself Credit Repair

Credit report > A Guide to Do-It-Yourself Credit Repair

How To Get An Auto Loan With Bad Credit?

by: Dean Shainin

You have found the car of your dreams, but you know your credit is not the greatest. You ask yourself, ?How can I get an auto loan with bad credit??

5 Ideas To Help Get A Bad Credit Auto Loan

1. The first step is to find out what your credit situation really looks like. With a credit score, also known as a ...

How To Get An Auto Loan With Bad Credit?

Credit report > How To Get An Auto Loan With Bad Credit?

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A Beginner's Guide to Finding an Accountant

by: John Mussi

If you've ever found yourself trying desperately to manage your own finances, you'll likely admit that it's not as easy as it might first sound. Often, the best course of action when it comes to taking care of your own personal finances or those of your business is to hire an accountant to crunch the numbers and do much of the finance work for you.

Of course, you may be wanting to hire an accountant...

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Finding Unique Birthday Gifts

by: Mike Hamilton

Finding a unique birthday gift can be one of the most challenging, frustrating and rewarding things you will ever do. When your loved one?s eyes light up with that expression that tells you ?I never even knew I wanted this but now I wouldn?t trade it for all the money in the world.?

If you haven?t had that experience then it is hard to put into words how wonderful it makes you feel. If you approach it...

Finding Unique Birthday Gifts gift baskets Can Your Customers Pay By Electronic Check?

Credit report > Finding Unique Birthday Gifts