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If you are selling products that can be downloaded, I have some shocking news for you. See, I was browsing Google lately, as I often do, and stumbled upon something that surprised me. Not many things do that any more, but after considering the source, I wonder if the person knows how many sales they are losing.

Do you monitor your website statistics frequently? Do you ever wonder why your product download page appears to be accessed more than your sales page or that your sales receipts show?

What I discovered was a link in Google for a purchase confirmation page for a product selling for $97. That same product is being offered as a bonus on another product that is selling for $147.

When I visited the link, I realized that the confirmation page was not protected. It allowed anyone to download the videos, PDF files and other recordings, without paying! Read the rest of this entry »

What is going on in today’s society?  Is it not enough that we are seeing the American Dream slip through the hands of our fellow Americans?  Every day we are reading and watching the news talking about real estate fraud, foreclosure scams and people claiming to be professionals who are virtually stealing the homes from unsuspecting homeowners in pre-foreclosure and foreclosure situations.

Being in foreclosure is a very crucial time. Homeowners must do their research on a foreclosure prevention company or professional.  Please, if someone has contacted you and promised to stop your foreclosure, look them up with the Better Business Bureau.  Also find out what foreclosure prevention options they offer. There are still legitimate companies who work on behalf of the homeowner. Freedom Foreclosure Prevention Services is one of them. They will work with the lender directly and negotiate a program to get the homeowners back on track with their lender, based on your financial situation.

Loss Mitigation is a legitimate service and although you can attempt to negotiate with your lender directly, prepare yourself to be fooled. Lenders are not informing homeowners of all the options to stop their foreclosure because they are only interested in what will most benefit the lender.

A real Loss Mitigation Company who has been in the foreclosure prevention industry for several years will know all the ins and outs of most lenders. They also negotiate with these same lenders on a daily basis. Have you negotiated to save your home from foreclosure before? Have you been doing it every day for years? Would you rather trust a loss mitigation professional, or yourself, when you stand to lose your home if your negotiations do not succeed?

Make sure the company you select has a clean track record. Make sure they offer a decent guarantee of their services.  If they do not offer a guarantee, they most likely lack experience – the most important ingredient of the process. Another reason some of these companies do not offer a guarantee is because they are using Loss Mitigation as a tool to get you in the door, eat up what precious time you do have left, then wait until the last minute to make you an offer to buy your home as an alternative. If Loss Mitigation is not an option due to your particular situation, an honest company will tell you this immediately, instead of waiting 3-4 weeks and then drop the bad news on you.

Again, if you want to help yourself, check with the BBB. Do your research on the Internet and use your common sense. You have the ability to make an intelligent decision based on the tools available to you. Be your best friend and your familily’s. If you attempt to negotiate with your lender directly, would you want to be the cause of losing your home – your most valuable asset? Do your homework before agreeing to any type of plan to stop your foreclosure!

To learn more about Freedom Foreclosure Prevention Services, contact one of their consultants at Creative Freedom Foreclosure.

This article was adapted from the original posted on the Creative Freedom Forelosure blog.

Remember, you too can have multiple blogs of your own. Visit Website Managers for website and blog hosting.

Foreclosure is the legal process by which the borrowers whose mortgage is in default are deprived of their interest in the mortgaged property. This usually involves a forced sale of the property at public auction with the proceeds of the sale being applied to the mortgage debt.

Foreclosure rates have set a record high in 2006 and will be increasing as Adjustable Rate Mortgages (ARMs) continue to reset. ARMs are mortgage loans that are made at low interest rates for a set period of time, after which the interest rates can adjust as the economy demands.

Thousands of ARMs adjusted to higher interest rates in 2006 and an estimated $1.3 Trillion ARM loans will adjust in 2007, forcing millions of home owners into foreclosure. They will not be able to pay the higher mortgage payments because wages have not kept up with the interest increases.

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Within a year after purchasing two credit card processing terminals, one for $350 and the other for $1,000, accepting payments online became much easier. Using web-based payment processing services, those terminals are no longer needed.

There are still reputable online services that require you to have your own merchant account to access their services, but there are far more companies that act as payment processors and maintain their own merchant accounts. Payment processors allow you to run your payment transactions through their accounts for a fee. Those fees are generally less than the cost of getting your own merchant account and quickly pay for themselves.

The growth of identity theft on and off the Internet to access your personal information and steal your wealth is growing at alarming rate. To help these issues, most payment processors provide valuable services to merchants to protect their private information. Most online credit card processors use encrypted website payment forms that not only protect the personal information, but also instill a strong sense of safety and satisfaction among consumers to protect their interests. The nominal costs are well worth the increased revenue that the online merchant can generate.

Listed below are some of the most popular payment processors, their strengths and general benefits.

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