Word: credit-card
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Geico and State Farm have been among the leaders cutting prices, and others will be forced to match them. So pull out your policy and see if your insurer is following suit. If not, play hardball. As when asking for a lower credit-card or mortgage rate, if you make it clear that you're ready to shop around, you'll probably get the best results. Don't think it's worth your time? Fair enough. A 3%-to-5% reduction may not amount to much, and many companies will give it to you automatically when you renew. But chances...
...COMMERCE GUNS, BEER, DRUGS, GAMBLING--it's all available online if you know where to look or how to search for it. Credit-card requirements will keep most kids out of trouble (unless they carry their own VISA or American Express card). And more than one site offers free bingo and card games (with large cash prizes) to all comers...
...More orders flooded in. "We realized people liked sitting on the computer buying things, and that's what got us to go big time," says Spremulli. He invested $3,900 with Web consultant Blacksheep blacksheep3d.com and two years ago set up www.norwalk music.com The website, which gives customers full credit-card access and calculates shipping and taxes, now generates 26% of the company's $1.5 million in annual sales and caters to customers as far away as Egypt...
...technical support and make changes in your website 24 hours a day, seven days a week? Does the plan include credit-card processing, automated shipping and sales-tax calculation? If not, will the website recommend outside vendors? Some businesses do all this the old-fashioned way, with the customer sending his billing address, credit-card number and expiration date via e-mail. At the business end, someone still has to call to get credit-card approval and calculate taxes and shipping costs, which depend on the weight of the package. And outsourcing credit-card processing to a check- or credit...
...with his wife. In 1996 the couple, both avid golfers, opened Southern Appeal (www. southernappeal.com) an online store that sells such golf-related trinkets as golf-club stands and golf-bag-shaped Christmas stockings. Before they could open for business, they had to obtain a merchant account number for credit-card transactions from a local bank in Roswell, Ga., and buy specialized software to keep track of inventory on someone else's shelves. It was a lot of extra trouble, but in the end it paid off: the Pinks have more than doubled sales each year, and their sales...