#Argo HAS to make a stop by the specific shop and HAS to get the specific item

[annabeth707]

@girl-ghostly I couldn't find a only Harry Potter fanfic so instead I'm posting this Percy Jackson-Harry Potter crossover. If I find and post anymore Harry Potter fanfics I'll make sure to tag you in them.

In this fanfic the seven plus Lou Ellen are sent by a prophecy to Hogwarts. Also in this universe pretty much all of the Harry Potter characters that died are alive and Harry, Ron, and Hermione have returned for their 7th year.

Chapter One

Annabeth's POV

    Percy and I were playing 2 v 2 volleyball against Rachel and Lou Ellen, when suddenly Rachel fell into her all too familiar trance.

    "Lou," Percy said. "Go get Chiron."

She nodded and ran off. Lou got back with Chiron, just as Rachel began to speak.

    "The seven half-bloods will once again unite, this time one more shall join their rank.

A world of magic they will explore, making friends or enemies will be frank.

An enemy risen from the grave, seeks to destory.

Teaming up is the only hope or else there will be no joy."

The green mist around Rachel disappeared and she started to fall, but Percy and I caught her.

    "This calls for a meeting," Chiron says.

    "Percy and I will go grab the other councilors and meet you in the rec room," I say.

     "Very well," Chiron replies. And after making sure Rachel is okay,  Percy and I start the rounds.

    About 20 minutes later, Percy and I enter the rec room. We take seats next to each other around the ping pong table. And as for it seems the first time the table isn't pure chaos, the only is the Stolls seeing how much Cheez Whiz they could put in Clovis' mouth before he wakes up.

    "So, what's the prophecy this time?" Clarisse asks.

    "Annabeth will you please recite it?" Chiron asks me.

    "Sure," I say standing up. "The seven half-bloods will once again unite, this time one more will join their rank. A world of magic they will explore, making friends or enemies will be rank. An enemy risen from the grave, seeks to destory. Teaming up is the only hope, or else there will be no joy." I recite then I sit back down.

    "Well, obviously the 7 are Percy, Annabeth, Leo, Frank, Hazel, Piper, and Jason." Miranda says.

    "Then who is the other going to be?" Piper and Jason ask at the same time.

    "I'll go," Lou Ellen says. Everyone turns to look at her. "What she asks? It mentions magic, and that's right up my alley."

    "Well," Chiron says. "I'll go make a few Iris Messages and those involved meet back here tomorrow morning." We nod.

    That night the nightmares came tonight's were some of the worst, because they included Percy dying. I awoke from the nightmares to Percy in my cabin, with his arms wrapped around me and comforting me with his words. We stayed cuddled up like that for the rest of the night. The next morning, I awoke to find Percy already awake and holding a scroll of paper.

    "What is that?" I ask him. He looks over at me.

    "No idea it was here when I woke up." I grab it from him and I open it to find it's written in ancient greek.

    "It's from Hecate," I say.

    "We better go meet up with the others, we can read it on the way." Percy says. I nod. Percy heads back to his cabin to change as, I change myself. I grab my bag which I had packed the night before, and I meet up with Percy as we make our way to the Big House.

    "Annabeth," Chiron says to me.

    "Yeah?" I respond.

    "Hecate said she sent a letter to you, will you read it aloud to us?" He asks.

    "Sure," I reply as I pull it out and I start to read.

Chapter 2

Percy's POV

    "Dear demigods, I've been informed that you are going on a quest that involves witches and wizards. You see long ago I gave magic to a few mortals, those were the first wizards and witches, since then their population has grown immensely, and they have wizarding schools all over the globe, for this specific quest you are heading to Hogwarts in Scotland. These witches and wizards have recently ended a war of their own. It was against an evil wizard who was known as Lord

Voldemort and his followers which were known as Deatheaters. At Hogwarts, the students are split into houses, Gryffindor, Ravenclaw, Hufflepuff, and Slytherin, the students are sorted into each house by their personality. Gryffindors are brave, Ravenclaws are smart, Slytherins are ambitious, and Hufflepuffs are basically everyone who don't fit into the other categories. At the school only the headmaster, Albus Dumbledore, has been informed of your parentage. A muggle is a person without magic. There are also 3 types of wizards, pure bloods, half bloods, and muggle borns, if you are asked reply with half blood. Your cover story is that you are transfer students from America that are spending their final year at Hogwarts. I have granted each of you with magic that can be used through a wand. Once you get to England go to the Leaky Cauldron on Charing  Cross Road in London. Once, inside ask the bar tender for help to get into Diagon Alley, and he will help you. Once, you will need to go to Gringotts Bank which is run by goblins show attached note and they will take you to your vaults which have been supplied with wizarding money once that you all will need the supplies listed at the bottom of the paper. Good luck, Hecate."

    "Wow," I say.

    "How are we getting there, and what about Hazel and Frank?" Piper asks.

    "We have arranged magic transporting to Charing Cross and the others will meet you there." Chiron replies. "Now if you will all stand here." Chiron says motion to right in front of him. Leo kisses Calypso good bye as he moves to in front of Chiron and the rest of us join him. "Ready." Chiron says. And Lou Ellen, Leo, Piper, Jason, Annabeth, and I vanish.

Chapter 3

Leo's POV

    We appeared on a cement side walk outside of an old bookshop. I looked to my left to see that like Chiron has said Hazel and Frank were now with us.

    "Hey, Frank. Hi, Hazel." I say.

    "Good to see all of you again," Hazel says to the group.

    "We can talk later," Annabeth says. "Can we just focus on finding the Leaky Cauldron?"

    "It's over there," Percy says pointing a few shops down. We make our way there and we make our way in. The pub is dimly lit and full of people in robes and hats. We walk up to the bartender.

    "Can you help us get into Diagon Alley?" Piper asks him.

    "You must be the transfers from America, I was told about, follow me." He replies. He leads us out into a small courtyard and taps a brick with his wand, the bricks move around to reveal a door way.

    "There you go," He says.

    " Thanks," Jason says.

    " By the way my name is Tom," the bartender says.

    "Thanks, Tom," Annabeth says and we walk through the archway into Diagon Alley.

Chapter 4

Annabeth's POV

We walked down through Diagon Alley to a large white building at the end. As we entered Gringotts I couldn't help but notice all the vaulted ceilings, and doorways it was really cool and it made me really want to start sketching. We walked up to a goblin at the end of the hallway.

"Indenfication?" He asks. And I hand him the note Hecate gave me.

"Very well, follow me," the goblin says. He holds the note out to me and I take it back then he leads us down a hallway to a railway. He calls another cart and we climb into them. Piper, Jason, Hazel, and Frank in the one in the front and Percy, Leo, Lou Ellen, and I in the cart in the back. We arrive at vault number 213. We climb out of the carts. The door of the vault has 8 locks on it.

"According to the note each lock will open when we say something we have given up for someone we love.

"I'll go first," Percy says. "I gave up becoming a god for Annabeth."

"I gave up learning magic from CC for Percy." I say.

"I gave up being praetor, so that we could close the doors," Jason says looking around at all of us.

"I gave up my safety to save my dad," Piper replies.

"My life to stop her from awakening back in 1942," Hazel says.

"Being a good daughter, I gave it up so, I could train and so I could protect camp," Lou Ellen says. The locks on the door had clicked open as each person said their thing. The vault door opened to reveal gold, silver, and bronze coins.

"Protection, I gave it up to give protection to others," Frank says.

"The Argo 2," Leo says.

"The gold ones are galleons, the silver sickles and the bronze knuts, and remember there are 29 knuts in a sickle and 27 sickles in a galleon," the goblin told us. After, we each collected a reasonable amount of money we, climbed back in the carts and we left the bank.

Chapter 5

Percy's POV

We got out of the bank and we got our supplies. After, collecting the main things we head to Ollivanders for wands. "Hello," an old man says as we enter.

"You must be Ollivander," Lou Ellen says.

"That's me," He replies. "Getting new wands?" He asks us.

"Yep," Annabeth says quickly.

"Many others have too," he said. "Now who's first?"

"I guess I'll go," Hazel replies stepping forward.

"Let's see, try this one, hazel wood, 10 1/2 inches, unicorn tail, slightly flexible," he says handing it to her she waves it around and sparks come out of the tip. "It's a match," Ollivander replies.

Next is Annabeth whose wand is elm wood with a unicorn hair, 13 3/4 inches and unyielding flexibility. Then it's Jason, whose wand turns out to be vine with dragon heartstring, 12 inches and slightly springy. Lou Ellen's is blackthorn with a unicorn hair core, 11 1/2 inches and reasonably springy. Piper's wand is apple wood, with a phoenix feather core, 9 1/2 inches and inflexible. Frank's is larch wood with unicorn hair 14 inches, and slightly bendy. And Leo's is pine wood with phoenix feather core, and is springy. Finally, it was my turn. Ollivander gave me a few wands but after a while, one finally chose me. It's red oak with a phoenix feather, 12 1/4 inches and is slightly bendy.

After, getting our wands we head back to the Leaky Cauldron to book rooms for the night, before we leave for the train in the morning. We book 4 rooms, Jason and I in one, Piper and Annabeth in another, than Frank and Leo sharing one, and Hazel and Lou Ellen sharing the fourth. After, booking rooms it's only around 5.

"How about we explore a bit more," Piper suggests.

"Okay," Annabeth says. "But stay with a buddy, and we'll meet back here in an hour for dinner." And everyone agrees. Annabeth then grabs my hand and we back to the courtyard. I pull out my wand and I tap the same brick that the bartender had and the doorway to Diagon Alley opens. As, our group walks down the alley the group gets smaller first Leo, Piper, and Jason, head off to an ice cream parlor, and Frank, Hazel, and Lou leave to look at a second hand store. So, then it's just me and Annabeth.

"Okay, Wise Girl, how about that really bright, eye catching one over there," I say pointing.

"So, what shop should we go to first?" I ask her.

"I don't know, you chose," Annabeth replies.

"Okay," she says. We walk over to it. "Weasely Wizard Wheezes, Joke Shop," Annabeth reads aloud. "Really, a joke shop?"

"How about we just go check it out," I respond.

"Whatever you want, Seaweed Brain," she replies leaning over and pecking my lips. Then together we walk into the store.

Chapter 6

Annabeth's POV

    Weasley Wizard Wheezes is a store the Stolls would be proud of. The inside was crowded and very brightly colored.

So apparently I never even finished chapter six and I think it was because of my ADHD and that by the time I was writing chapter 6 my hyperfixation was gone.

[chopperiv]

Alright I’m going to talk about TAZ: Graduation

It’s not going to be pleasant so I’ll put it under the cut. I just have to vent, and this seems as good a place as any to do it.

I just finished Episode 4, the newest episode as of this writing, and I’m utterly, thoroughly, unbearably bored. With every episode so far, I’ve been excited to see what new adventure the Grad Gang will get into this week, and every time, the answer has been “they don’t”. Instead of the boys gallivanting about, having fun escapades across a world lovingly created by their dear brother, The Adventure Zone: Graduation is shaping up to be a long, tedious slog of half-baked characters, scenes that go on far too long, and absolutely no narrative arc whatsoever.

Travis’s pacing as DM is glacial. I was willing to forgive the first episode, since it was the first one and of course he had to introduce a lot of information to both the players and the audience. However, the episodes and scenes since then have been slow-paced at best, and borderline-anchored at worst. Have there been good goofs? Yes, absolutely. These are still the McElroys we’re talking about; I think they’d have to actively try not to be funny to actually not be funny. And Travis has had his fair share of good bits! But a lot of the time, if there is a memorable scene or specific moment from Graduation, it’s the players who are the ones making it better, and Travis just provides the backboard for them to bounce off of. Master Firbolg taking an accounting class and not understanding it in the slightest (”WHAT IS SYLLABUS?!” “I am...dunce.”); Sir Fitzroy Maplecourt getting scammed by the “Realm of Goodcastle”; Argo Keene’s surprisingly heart-tugging backstory and ongoing fascination with limes! These are all great bits!

But nothing is happening on the story side of things. There’s a blink-and-you’ll-miss-it indication that the woods are more important than they seem at the end of episode 1, and now, in episode 4, the group finally has a D&D-esque goal: track down a monster. Though even still, they’re tracking down a monster to give it a subpoena. On the one hand, that’s goofy McElroy antics. On the other, it’s an indicator of just how annoyingly rooted in accounting and other boring mechanics this world is.

In the trailer for the season, a joke was made about how the school treats Accounting as its most important class, but then Travis turned around and said “no, actually, it really is the most important class, and everything in this world revolves around accounting, including major game mechanics”. The joke became reality, and you can hear in the episodes as the players (Justin especially, even out of character) strain to deal with these boring mechanics. Again, there are only 4 episodes released at this point, so maybe in the future I can look back and say “wow, remember when I thought the accounting rules were boring?”, but as it stands right now, it seems to exist mostly as a limiting factor on a) how much money the boys get, and b) how much property damage they’re going to be allowed to get away with.

In general, the idea of this arc seems to be “watch as these characters have a fun time doing stuff!” But in practice, the arc has become “watch as these characters hang around in places with no real direction until given a forceful shove by the DM!” Without an overarching narrative throughline (e.g. Find the Grand Relics; Defeat the Abominations; hell, let’s bring back Travis’s last stint as DM with Find out who killed Jeremiah Blackwell) the characters end up wandering around from scene to scene, told where they’re going by the DM and occasionally given choices on which of two paths they want to take to the same destination. I mean that last part literally. In the fourth episode, Travis shows the boys two shops and asks which one they want to go into, only to reveal that both doors lead to the same place. (Side note: Travis, you don’t get to dunk on Griffin for naming his store “Fantasy Costco” when a) Fantasy Whatever is a big part of the Adventure Zone brand, and b) you just took the E out of Barnes and Noble, said it was a pun, and called it a day.)

And let’s talk about the NPCs. I was a little worried when Travis said he had created something like 50 NPCs as proper characters (e.g. with sheets and everything), because there was no way that I or anyone else was going to remember that many characters. And there are a lot. The only one whose name I can remember off the top of my head is Rainier, and that’s because she’s the one the cast interacts with the most. Everybody else? No idea. Now, having a lot of NPCs isn’t necessarily a negative thing, but they either all have to stand out in some way, or it has to be accepted that not all of these characters are going to be important. And yet it feels like with every new character introduced, we’re expected to try to remember who they are.

I’d like to end this off by saying that I don’t think Graduation should be written off as “bad”. It’s not “bad”. But as it stands right now, I can’t really call it “good” either. Four episodes into Balance, we’d met Killian, and Magic Brian, and heard “ABRACA-FUCK-YOU!” for the first time. Four episodes into Amnesty, the crew was all together, had already had one encounter with the Beast, and was gearing up to take it on again with a proper plan. Hell, four episodes into Dust and Commitment, the story was ending! The one thing I want from this series at the moment, above all else, is for there to be an ongoing narrative to bring me back every week. As the series currently stands, we’ve got nothing. No antagonists looming over the hill. No overarching goal the protagonists will have to accomplish at some point, but are taking a temporary break from. They’re going to deliver subpoena to a Xorn, and I have no idea if that should be treated as a joke or not. Time will tell, I suppose.

People have claimed that “well Balance started out slow too, give this series time” and I have given it time. I’ve given it four episodes. As I said: Balance’s first arc was nearly over after 4 episodes. We’d had Barry Bluejeans, and Magic Brian, and learned about the Phoenix Fire Gauntlet. In Graduation, we’ve had nothing even close to any of that. If I was reading a book, and that book hadn’t introduced its plot yet after four chapters, I’d probably get bored and stop reading. I don’t see why the same can’t be said for a story-driven podcast where they supposedly play D&D.

TL;DR: I don’t want to dislike Graduation. I’ll still probably listen to every new episode when it comes out. But right now, I’m not anticipating the new episode. Travis, if you read this, I’m sorry about how harsh I’m sure I’ve come across.

I just really, really want to like this series.

[coopdigitalnewsletter]

3 August 2020: Remote work: reply later. Amazon: free London grocery delivery. Tech industry: regulation?

Hello, this is the Co-op Digital newsletter - it looks at what's happening in the internet/digital world and how it's relevant to the Co-op, to retail businesses, and most importantly to people, communities and society. Thank you for reading - send ideas and feedback to @rod on Twitter. Please tell a friend about it!

Remote work: reply later

Many organisations have been “working from home” for a few months now, and there are obvious advantages and disadvantages to being remote. You don’t need to spend time or money commuting, you can work the way you want, etc. On the other hand, you might be trying to care for and homeschool children while also working, which is exhausting and impossible.

One of the non-obvious disadvantages of remote work is that if you try faithfully replicate the experience of being in an office there are additional cognitive costs. Doing a Zoom meeting is slightly harder work than doing a meeting face to face because many of the social cues that help make a conversation happen are lost in the “Can you hear me/I think Marina dropped out/I didn’t catch that” dance. So after a tough day of back to back meetings on the Zoom grid, you are finished.

Here’s an article that argues that remote workers are more productive than their present-in-the-office counterparts, and that asynchronous communication is the reason. If people send messages and avoiding demanding an instant response, recipients have freedom to fit replying into all of their other work. So there are fewer interruptions (related: Basecamp - how we communicate). You can see that even if messages are happening more slowly, more work will probably get done.

But it is also obvious that making remote work work isn’t easy. Nor is it the right answer for every situation. This is the negative argument: Our remote work future is going to suck: “remote work makes you vulnerable to outsourcing, reduces your job to a metric, creates frustrating change-averse bureaucracies, and stifles your career growth”. So there’s work to do to make sure that remote work doesn’t end up like that!

Amazon: free grocery delivery in London

Amazon takes on supermarkets with free food delivery. Same or next-day delivery will now be free for Prime subscribers in London on orders above £40. Amazon says “members will get fast grocery delivery - free with their Prime membership ­­- starting today [28 July] in London and expanding to millions of members across the UK before the end of the year”.

Last week the newsletter looked at how grocery delivery services that fully or part-subsidise delivery suffer significant margin erosion. So bundling delivery free into another service is a big move. This might be a classic “land and expand” plan. The free delivery is a loss leader to win Amazon customers who will later be loathe to switch supplier once they’ve committed. (And Amazon has the cashflow machine to outlast others.) 

Another way to look at it: Amazon is just following shopper behaviour: people want convenience, and recently they’ve got used to groceries being delivered (also everyone now lives in a world where “popping to the shops” involves queues and having to wear masks and worry about getting ill, so a push of free delivery works fits with that).

Or Amazon sees it in terms of the ecosystem. Shoppers would like free delivery, so Amazon adds it to Prime, and Prime gets slightly harder to cancel, even though its annual cost keeps nudging up. This approach only works if Amazon are consistently good at working out what shoppers value. If they make a mistake, Prime starts looking like a bad deal and cancellations will grow. But if it works, Prime is the recurring membership fee that eventually looks like essential life infrastructure.

Last week: the shop inside the self-scan bleeper.

Queues and retail news

Sainsbury's tests virtual queuing system. Shoppers will be able to join the queue from a remote location, such as their car, using a smartphone app, avoiding the need to stand outside the shop. Previously on queues: Could online supermarket queues do good? and Managing queues inside and outside Co-op stores during the pandemic. 

Good list of local, independent retailers in the US, many of them co-operatives.

The Book of Dreams closes: Argos is going to stop printing its massive catalogue. “Many declared childhood had been "ruined" by the news and decrying that children will never know the joys of circling potential birthday and Christmas gifts.” (The Book of Dreams has its own website, which is worth a visit.)

Tech industry: regulation?

Last week the Big Tech company leaders got hauled into the US congress’s Zoom chat to talk about whether they’re too big and whether the US gov should use anti-trust action to break them up. Here’s a summary.

Traditionally US competition law has seen monopolies in terms of price fixing - they’d ask if consumers are getting fair prices. On that basis, companies like Amazon usually don’t look anti-competitive because they generally force prices down.

However you’d think that regulation is on its way for a couple of reasons. First, market power now comes from controlling demand rather than supply. So the traditional price-fixing measure of monopoly damage may not be sufficient - and academic thinking on monopoly power is now evolving. Second, if you step back from anti-competition law specifically, regulation looks inevitable as the tech industry becomes ever larger and subsumes other industries, remaking them with software and data. It’s natural that the technology industry should face more regulation to limit its harms to consumers, other companies and wider society, its negative externalities, its unexpected consequences:

“Some time between 1850 and 1900 or so the industrial world worked out that regulating industry is necessary, and since then we’ve been arguing about how and how much, industry by industry, from industrial food to banking to airlines. Now that gets applied to tech.”

Related: I tried to live without the tech giants. it was impossible.

Uber’s algorithm and other mobility

Uber drivers to launch legal bid to uncover app's algorithm - this is interesting. if you work for an algorithm (the algorithm tasks you, and determines how much money you make) then it is deeply in your interest to understand how it works.

Also Uber: the company has cancelled plans to provide digital wallets and other financial services. They’ve committed to being profitable soon, and (thanks partly to the virus) the corporate emphasis is on Uber Eats.

Elsewhere in mobility data… the county of Devon will use data from running app Strava to prioritise popular cycling roads for repairs. And some global data on electric scooter rideshare use (nb electric scooters became legal in UK in July).

Co-op Digital news and events

The Federation House team is running weekly drop-in chats for the community every Wednesday at 10am: Join us here. See our online events. You can also see how The Federation is planning for a safe return to the co-working floor.

Other free of charge events 

Andy’s Man Club – Gentleman's Peer to Peer Mental Health Meet Up – Mondays 7pm 

Self Care – Online Workshops – Various dates/times in July 

Northern Azure User Group – Meet Up – 5 Aug – 6pm 

Virtual Data Expedition – Online Workshop – 11 Aug – 10am. “Do you wish you had more confidence with data? Do you want to use data to better inform what you do? Whatever your data skills, wherever you are, you're invited to join a Virtual Data Expedition being led online for the first time by Open Data Manchester, with the support of charity data experts 360Giving. A Data Expedition is a way of working with data from 'start to finish' – from identifying a question you have, to finding and using data to try to answer it, to telling a story with it. Sign up to join a series of guided workshops on a journey of data discovery.” 

NW Drupal User Group – Meet Up – 11 Aug – 7pm 

Beginners Guide to Retrofit – Webinar – 12 Aug – 6pm 

Women in Tech – Networking – 13 Aug – 8.30am 

LGBTQIA – Hackathon – 28-30 Aug 

 Paid for events 

Invisible Cities - Online Tours of Manchester or Edinburgh – Various Dates & Times 

Mandala Yoga – Online Yoga Sessions - Various Dates & Times 

Tech Ethics – Meet Up – Various Dates & Times 

Thank you for reading

Thank you, beloved readers and contributors. Please continue to send ideas, questions, corrections, improvements, etc to @rod on Twitter. If you have enjoyed reading, please tell a friend! If you want to find out more about Co-op Digital, follow us @CoopDigital on Twitter and read the Co-op Digital Blog. Previous newsletters.

[opticien2-0]

Informed consent: how GDPR has changed the way retailers engage with their customers

Just as today’s shoppers are using an ever wider variety of channels to buy through, so retailers are also using an ever wider variety of channels to get in touch and engage with shoppers. The technology is there to allow them to send messages via email and text, as well as getting in touch by post. They’re able to send notifications direct to those that have downloaded their app.

But today they are operating in an environment that’s been radically changed by GDPR regulations. That’s changed the way that retailers may now engage with shoppers. In the light of that change, some businesses are now going further to ask shoppers not only whether they’d like them to be in touch, but how they’d like that contact to be framed.

  What is GDPR?

When General Data Protection Regulation (GDPR) came into force in the UK and across the European Union in May 2018, the broad aim was to put power over consumers’ data back into the hands of the individual.

  The new law says that data held on recognisable individuals must now be “processed lawfully, fairly and in a transparent manner,” that it must be only used for the purposes that it was collected for before being safely disposed of, and that it must be kept accurate. Consumers have a right to see what data a company holds on them – and to have it corrected if it is inaccurate.

  It’s about, says the Information Commissioner’s Office guide to the subject “offering real choice and control.” It adds: “Genuine consent should put individuals in charge, build trust and engagement and enhance your reputation.” Failing to get clear consent could have harmful effects, it warned: “Relying on inappropriate or invalid consent could destroy trust and harm your reputation - and may leave you open to large fines.”

  At a practical level this meant that retailers should make sure their consent processes met the standard, were specific enough for the use that they intended to make of the data, and required a positive opt-in. They also had to make it easy for consumers to change their mind and withdraw their consent.

The email effect

Back in May, consumers probably first noticed the arrival of the GDPR regulations because they received a flood of emails from retailers and service providers of all kinds, notifying them that those organisations held personal information on them and offering them the option to review or delete it. Now that the dust has settled, the first evidence is emerging of what’s changed as a result of the legislation.

  Recent research from the DMA suggests that shoppers are taking more control of the marketing that they receive, and that that’s likely to be as a result of the GDPR regulations. Its Consumer Email Tracker 2019 found that most consumers (59%) said they preferred brands to get in touch with them via email. It also found that respondents were signed up to fewer emails than they were before GDPR. In 2019, it said, shoppers received email messages from an average of nine different brands. That’s down from 12 in 2017. “The figures,” commented the DMA, “are a potential by-product of the new laws and consumers’ belief they have more control over the marketing emails they receive.”

  It found that shoppers were more likely to sign up to receive brand emails because they wanted discounts and offers (51%) but were also likely to do so because they were a regular customer (46%) or because they had joined a loyalty scheme.

  But while loyalty may encourage them to sign up, other factors led to them unsubscribing. The primary reason for unsubscribing was because people received too many messages (59%), followed by the decision to opt out because the messages were no longer relevant (43%) or because they didn’t recognise the brand (43%).

  So just how do retailers take control? Most (70%) people, found the DMA study, unsubscribe through the brand website or by clicking a button in an email. Once they’ve done that, 40% expect never to hear from the brand again via email, or to only hear from them through transactional emails relating to a specific purchase (23%).

  But a minority of shoppers (17%) also expect to be able to change their email preferences or complete a survey that shows marketers why they are leaving. That seems to be a smart option for retailers to offer, since those shoppers may well choose to tailor their agreement to suit their own preferences rather than opt out altogether. Asked how they respond when given control over how often a company gets in touch, 36% said they would like to reduce the frequency of emails, and 31% would like to choose the products or services they get emails about. Those two factors were among the key reasons why a consumer might hit unsubscribe. Marketers that get it right can continue to send customers messages – on their own terms.

  “It’s fundamental,” said Rachel Aldighieri, managing director of the DMA, commenting on the organisation’s study “that marketers combine convenience and relevance, building relationships based on transparency and trust.”

  And Phil Draper, chief marketing officer at dotdigital, which sponsored the DMA report, agrees. “Creating powerful two-way relationships with consumers should be a the core of all modern marketing strategies. It’s what consumers want and what marketers are working to deliver. The fact that brands have reduced the number of emails they’re sending is an indication that brands are focusing more on delivering relevant and interesting content.”

  One retailer says that retailers operating in a GDPR world now use email differently. Jack Cooper, digital marketing manger at Andertons Music Co, said: “I think the goal posts for emails have definitely changed. It’s not so much a mass communication took as it was a few years ago when you might send a couple of hundred thousand people a mass email, and drive them to the website for a small percentage of sales.

  "Our conundrum is making a business case so it’s small enough to be effective but large enough to be relevant to the user. Can we follow up the post-purchase campaign based on where the customer is in their lifecycle and in terms of relevance? I think we’re in that kind of period, working out if that’s going to be a long-term and successful piece of work for us. We’re fortunate that we have enough content to be able to do that, and I think it shows that the focus is on providing an experience rather than a hard sale approach.”

  Engaging beyond email

Email may be the key channel for retailers to contact shoppers, but it is not the only one. The information they hold may also be used for text messages related to a transaction they have made, to send catalogues by post, or for notifications via a smartphone app. Some leading retailers are now making a virtue out of ensuring that their customers are clear what data they hold, and how they will use it.

  Peter Thomas, CTO at Attraqt said on a recent InternetRetailing webinar, The Journey from Data to Shopping Experiences: Making AI Work For You, that trust and confidence were prerequisites to a good shopper experience. “GDPR has given rights to the shopper to find out what information is being held out them and to have control over that,” said Thomas. Many websites, he says, are currently presenting consent through the choice of accepting or rejecting website cookies. On clicking to find out more, users may discover that they can make more sophisticated choices to regulate the communications they are sent, and decide whether data can be passed to third parties for marketing purposes.

  “For myself I’ve come very distrustful of that type of interaction because by default I’m agreeing to share everything – I’m not sharing just the data that’s going to enhance my shopping experience which is really why I want to do,” he said. But, he said, there was a better way, and one that with better implications for business reputations.

  “A number of the clients that we’ve been working with are really tuned into this trusting connection with their shoppers because it’s a very important part of their brand,” said Thomas.

  “They are deliberately designing their shopping experience to be very explicit about consent so that they present right up front exactly what information is collected, exactly what it’s used for and make it very clear how shoppers can revise their choices going forward, so there’s no confusion about what data is being collected. It’s very open and it generates a lot of confidence on the part of the user. Trust takes years to build, seconds to break and forever to repair. That’s very clear when you’re building customer confidence.”

  How IRUK Top500 retailers handle consent

We took a look at a number of leading IRUK Top500 retailers to see how they deal with consent on their websites.

  One Top500 retailer whose brand is built on trust is John Lewis. On clicking on the ‘sign me up for emails’ button on its website, shoppers are offered clear information about what type of messages they can expect to receive. Customers can then go on to sign in to an account and amend their marketing preferences, choosing whether to receive emails and get texts from John Lewis, Waitrose or John Lewis Finance. The retailer also points out how shoppers can use their smartphone settings to stop receiving notifications from the app.

  Over at Marks & Spencer, the retailer has a video explaining what details it collects and how they are used to make personalised offers to shoppers through its M&S Sparks club. Those signed into its account can give or withdraw their consent to receive marketing messages. The retailer also advises shoppers on the fastest ways to unsubscribe from its text messages and emails.

  Argos too enables those signed into accounts to amend their marketing opt ins, and also enables them to choose whether the site should remember them - and anything they have left in their trolleys against a future visit.

  Finally, Amazon enables customers, once signed in, to determine their direct mail and email preferences, promising, “We’d like to stay in touch, but only in ways that you find useful.” These leading retailers are enabling shoppers to ensure that they’re only getting the marketing information that they want, via the channel that they want to receive it. By doing so they’re not only working to comply with GDPR, but they’re also ensuring that the customer gets the level of engagement that they want, on the terms that they want it. That’s got to be good for fostering trusted relationships between retailer and customer well into the future.

    This feature first appeared in the IRUK Top500 Brand Engagement Performance Dimension Report. Click here to explore this report further and here to find out more about InternetRetailing’s research reports.

  Image: Fotolia

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[mensstyleinspirationblog]

10 Reasons Your 10k Paypal Credit Card To Start A Business With No Money Is Not What It Should Be

  If you desire a interest-free or inexpensive loan then your choices are limited-- and PayPal Credit score is on that shortlist.

Given that 2016, the settlements carrier has long enabled consumers to borrow from it to make acquisitions, enabling PayPal to operate as an online-only credit history card.

Like a credit scores card, if you pay your equilibrium within a collection period (56 days), you do not get charged rate of interest.

For purchases over ₤ 99, nevertheless, this interest-free duration shoots up to 4 months; you just require to make minimum repayments.

What's the catch? Well, PayPal Credit history has several of the mistakes that relate to charge card, plus a couple of distinct problems.

We go through PayPal Credit report's cons and pros , as well as its options. Apply with caution

Many people think of PayPal as a settlements provider; it takes a min to establish an account and start purchasing.

The PayPal Credit report application form is similarly slick-- you can obtain your credit line on the same day, unlike a bank card - but it does entail a complete credit check.

Unlike the soft check made use of by comparison sites like loveMONEY to judge your eligibility for credit history cards, a complete check influences your credit report score, even if you obtain approved for the item.

That might make it a lot more difficult to get credit rating cards, home loans or specific savings account.

A complete credit scores check might impact your credit history score (image: Shutterstock).

Unfortunately, PayPal Credit rating does not give an indicator of whether you'll be authorized ahead of time.

It does checklist criteria consisting of being 18 or over and a UK homeowner; employed or retired with an annual earnings over ₤ 10,000, and also to be devoid of any type of nation court judgements (CCRs) or personal bankruptcy and also to have a ' excellent' credit report.

Seriously take into consideration whether you truly need PayPal Credit score before risking your credit scores score if you have a inadequate credit score history or strategy to apply for a home mortgage soon.

You might intend to wait and construct your credit rating rather ( right here's exactly how). Four-month interest-free offer.

Offering you invest greater than ₤ 99 in a solitary transaction, PayPal Credit history provides you 4 months interest-free to pay it off.

This can conserve you a substantial quantity, since PayPal's rate of interest, although reduced than some bank card and also overdrafts, is a substantial 17.9% APR

. You need to meet minimum payments: 1% of the superior balance, or ₤ 5, whichever is higher, or risk ₤ 12 late payment charges, as well as you'll want to settle your entire equilibrium before the four months end.

Getting finance at a shop's check out isn't new, obviously, and Argos, John Lewis as well as lots of others supply interest-free settlement durations, lots of up to twelve months.

Nevertheless, each of these includes filling in a type as well as a full credit score check: with PayPal Credit you need just do this when, and also not need to maintain a number of various settlement plans in mind.

Moreover, having the liberty to shop anywhere that approves PayPal ( omitting a few wagering outlets) makes it much more most likely you'll find the least expensive variation of what you're trying to find.

That's likewise why you ought to prevent rent-to-own stores, which frequently note up the original prices of things they use, so it'll cost you more even if you stay clear of paying interest. An investigation by the FCA found an electric stove worth ₤ 300 being sold at ₤ 1,044 with credit report.

Below's where you can get aid if you're having a hard time with financial debt.

PayPal Credit history could function out cheaper than buy-to-own store credit rating ( photo: Shutterstock). Contrasted to a credit rating card.

If you do not mind undergoing a credit check and wish to go shopping anywhere, including physical stores, why not obtain a bank card?

The most effective 0% purchase cards permit you to pay no interest for as much as 30 months, also on sub- ₤ 99 purchases.

There are even credit score repair work cards with interest-free purchases for those with a poor credit scores rating that would not be eligible for PayPal Debt ( similar to this one from Marbles).

Where PayPal Credit history has the edge is in its loved one comfort and simpleness.

Comfort, since the application process is quick and you can receive your credit scores within the day, instead of waiting days for authorization and card distribution. PayPal's One Touch function makes check out quicker than using a card.

Simplicity, since the four-month period from PayPal uses every single time you invest even more than ₤ 99, whereas when the first interest-free duration on a 0% acquisition cards finishes, you should pay interest on brand-new acquisitions.

It's likewise worth noting that, like a bank card, PayPal Credit scores supplies Section 75 security from malfunctioning things or stopping working companies (unlike common PayPal repayments).

Over the lengthy term, PayPal Credit score's limited capability might become annoying-- you can not yet use it in physical shops or places that do not accept PayPal, or as down payments for rental autos or hotels.

Contrast 0% acquisition credit rating cards below. PayPal rip-offs.

There are several ways to get scammed, yet PayPal users are particularly targeted.

Whilst you 'd typically just lose the cash in your PayPal budget, with PayPal Credit scores you have a credit report limit of at the very least ₤ 250 and also as much as ₤ 8,000 ( based on condition); the outcomes might be disastrous.

Phishing frauds, which claim to be from PayPal, can ask you to supply your login info.

Likewise look out for overpayment as well as advancement charge fraud if you utilize PayPal on ebay.com.

We've placed together a overview to PayPal frauds which you can check out below.

[corporationsetup]

10k Paypal Credit Card To Start A Business With No Money For Business: The Rules Are Made To Be Broken

  If you desire a cheap or interest-free loan then your choices are limited-- and PayPal Credit report is on that shortlist.

Since 2016, the settlements supplier has actually long enabled buyers to borrow from it to make purchases, permitting PayPal to operate as an online-only charge card.

Like a bank card, if you pay your balance within a set period (56 days), you do not obtain charged interest.

For acquisitions over ₤ 99, nevertheless, this interest-free duration soars to four months; you simply require to make minimal payments.

What's the catch? Well, PayPal Debt has most of the mistakes that apply to bank card, plus a couple of distinct worries.

We run via PayPal Credit history's pros as well as cons , as well as its choices. Apply with caution

Most individuals consider PayPal as a repayments supplier; it takes a minute to set up an account as well as start buying.

The PayPal Credit rating application kind is in a similar way glossy-- you can receive your credit line on the exact same day, unlike a bank card - but it does entail a complete debt check.

Unlike the soft check utilized comparative sites like loveMONEY to evaluate your eligibility for credit report cards, a complete check impacts your credit scores score, even if you obtain authorized for the product.

That could make it more difficult to get charge card, mortgages or particular savings account.

A full credit report check could influence your credit score score ( photo: Shutterstock).

Regrettably, PayPal Credit scores does not give an sign of whether you'll be accepted ahead of time.

It does listing requirements consisting of being 18 or over and also a UK citizen; employed or retired with an annual income over ₤ 10,000, and to be without any kind of nation court reasonings (CCRs) or bankruptcy and also to have a ' great' credit rating.

If you have a bad credit rating or plan to look for a mortgage soon, seriously consider whether you actually require PayPal Credit rating prior to risking your credit score.

You could want to wait as well as build your credit report history rather (here's how). Four-month interest-free deal.

Offering you spend greater than ₤ 99 in a solitary purchase, PayPal Debt offers you 4 months interest-free to pay it off.

This can save you a massive amount, since PayPal's rates of interest, although less than some credit report cards as well as overdrafts, is a substantial 17.9% APR

. You require to satisfy minimum payments: 1% of the exceptional balance, or ₤ 5, whichever is higher, or danger ₤ 12 late repayment costs, as well as you'll want to repay your entire balance prior to the 4 months end.

Getting financing at a shop's check out isn't brand-new, certainly, and also Argos, John Lewis and numerous others provide interest-free payment durations, many approximately twelve months.

Each of these entails filling in a form and also a complete credit report check: with PayPal Credit history you need only do this as soon as, and not have to maintain a number of different repayment strategies in mind.

Having the liberty to go shopping anywhere that accepts PayPal ( leaving out a few wagering electrical outlets) makes it much more most likely you'll locate the least expensive version of what you're looking for.

That's additionally why you need to prevent rent-to-own stores, which regularly mark up the initial costs of things they use, so it'll cost you a lot more even if you prevent paying passion. An examination by the FCA located an electrical stove worth ₤ 300 being cost ₤ 1,044 with credit rating.

If you're fighting with financial debt, right here's where you can obtain help.

PayPal Credit history can exercise less costly than buy-to-own store credit rating ( picture: Shutterstock). Contrasted to a charge card.

If you do not mind going through a credit score check and intend to shop anywhere, including physical shops, why not obtain a bank card?

The very best 0% purchase cards allow you to pay no passion for up to 30 months, even on below- ₤ 99 acquisitions.

There are even debt repair service cards with interest-free purchases for those with a inadequate credit score rating that would not be eligible for PayPal Credit ( similar to this one from Marbles).

Where PayPal Credit has the side remains in its loved one ease and simplicity.

Comfort, since the application procedure fasts as well as you might receive your credit score within the day, instead of waiting days for approval and also card distribution. PayPal's One Touch function makes checkout quicker than using a card.

Simplicity, because the four-month period from PayPal applies every time you spend more than ₤ 99, whereas when the first interest-free duration on a 0% acquisition cards ends, you should pay passion on new acquisitions.

It's also worth keeping in mind that, like a charge card, PayPal Credit report supplies Area 75 defense from faulty things or stopping working companies (unlike usual PayPal repayments).

Over the long term, PayPal Credit rating's minimal capability could become annoying-- you can't yet utilize it in physical shops or places that do not accept PayPal, or as down payments for rental cars and trucks or resorts, as an example.

Contrast 0% purchase credit scores cards right here. PayPal scams.

There are many methods to get scammed, however PayPal users are specifically targeted.

Whilst you 'd usually just shed the cash in your PayPal pocketbook, with PayPal Credit report you have a credit score limit of at least ₤ 250 and up to ₤ 8,000 (subject to condition); the outcomes could be dreadful.

Phishing rip-offs, which claim to be from PayPal, can ask you to supply your login details.

Likewise look out for overpayment and also development charge fraud if you use PayPal on eBay.

We've assembled a overview to PayPal scams which you can check out here.

[paydexscore]

5 Ways 10k Paypal Credit Card To Start A Business With No Money Will Help You Get More Business

  If you desire a interest-free or economical loan after that your alternatives are restricted– and also PayPal Debt is on that shortlist.

Since 2016, the payments carrier has long enabled shoppers to borrow from it to make purchases, allowing PayPal to operate as an online-only credit score card.

Like a bank card, if you pay your balance within a collection duration (56 days), you do not obtain billed passion.

For acquisitions over ₤ 99, nevertheless, this interest-free duration soars to four months; you simply need to make minimum payments.

What’s the catch? Well, PayPal Credit rating has numerous of the challenges that relate to bank card, plus a couple of one-of-a-kind issues.

We go through PayPal Credit score’s advantages and disadvantages , and also its choices. Apply with caution

Many people consider PayPal as a settlements service provider; it takes a minute to establish an account as well as begin shopping.

The PayPal Credit history application is similarly slick– you can obtain your credit report restriction on the exact same day, unlike a credit report card – yet it does entail a complete debt check.

Unlike the soft check utilized by comparison websites like loveMONEY to evaluate your qualification for credit cards, a full check effects your credit report ranking, even if you obtain accepted for the item.

That could make it more difficult to obtain credit report cards, home mortgages or specific checking account.

A full credit report check can influence your credit history score (image: Shutterstock).

PayPal Credit report doesn’t provide an indication of whether you’ll be approved ahead of time.

It does listing criteria consisting of being 18 or over and also a UK local; utilized or retired with an yearly revenue over ₤ 10,000, and also to be without any kind of nation court reasonings (CCRs) or personal bankruptcy as well as to have a ‘ great’ credit report.

If you have a inadequate credit rating or plan to get a home loan soon, seriously consider whether you actually need PayPal Credit before risking your credit history ranking.

You might wish to wait and also construct your credit rating rather (here’s exactly how). Four-month interest-free offer.

Giving you spend even more than ₤ 99 in a single purchase, PayPal Credit history gives you 4 months interest-free to pay it off.

This can conserve you a big quantity, because PayPal’s rate of interest, although lower than some bank card as well as over-limits, is a substantial 17.9% APR

. You require to satisfy minimum payments: 1% of the exceptional balance, or ₤ 5, whichever is higher, or danger ₤ 12 late settlement charges, as well as you’ll wish to pay off your whole equilibrium prior to the 4 months end.

Obtaining financing at a shop’s check out isn’t new, obviously, and also Argos, John Lewis as well as numerous others offer interest-free settlement periods, many as much as twelve months.

Nevertheless, each of these entails filling in a form and also a full credit report check: with PayPal Credit rating you need only do this when, and not need to keep a number of different layaway plan in mind.

In addition, having the liberty to shop anywhere that accepts PayPal ( omitting a couple of wagering electrical outlets) makes it much more likely you’ll find the most affordable version of what you’re seeking.

That’s additionally why you ought to stay clear of rent-to-own stores, which frequently increase the initial costs of items they supply, so it’ll cost you a lot more even if you stay clear of paying interest. An investigation by the FCA located an electrical stove worth ₤ 300 being cost ₤ 1,044 with debt.

If you’re struggling with financial obligation, below’s where you can obtain aid.

PayPal Credit rating could exercise less costly than buy-to-own store credit report (image: Shutterstock). Compared to a charge card.

If you do not mind going through a credit report check as well as intend to go shopping anywhere, consisting of physical stores, why not obtain a credit score card?

The finest 0% purchase cards allow you to pay no rate of interest for approximately 30 months, also on sub- ₤ 99 acquisitions.

There are also credit rating fixing cards with interest-free acquisitions for those with a inadequate credit score rating that would not be eligible for PayPal Debt (like this one from Marbles).

Where PayPal Credit report has the side is in its relative comfort and simplicity.

Comfort, because the application procedure fasts and you can obtain your credit scores within the day, instead of waiting days for approval and card distribution. PayPal’s One Touch feature makes check out quicker than utilizing a card.

Simplicity, due to the fact that the four-month period from PayPal uses every time you invest even more than ₤ 99, whereas once the first interest-free period on a 0% acquisition cards ends, you must pay passion on new acquisitions.

It’s also worth keeping in mind that, like a charge card, PayPal Credit offers Section 75 security from damaged things or stopping working companies (unlike common PayPal payments).

Over the long-term, PayPal Credit scores’s limited performance might end up being irritating– you can’t yet use it in physical stores or places that don’t accept PayPal, or as down payments for rental autos or hotels, as an example.

Compare 0% purchase charge card below. PayPal scams.

There are many ways to obtain scammed, but PayPal users are especially targeted.

Whilst you ‘d usually only shed the cash in your PayPal purse, with PayPal Debt you have a debt limit of at the very least ₤ 250 and also approximately ₤ 8,000 ( based on condition); the results might be tragic.

Phishing scams, which claim to be from PayPal, could ask you to supply your login details.

Also look out for overpayment and advance fee fraud if you make use of PayPal on eBay.

We’ve created a overview to PayPal scams which you can read below.

[buildbusiness01]

10 Facts Everyone Should Know About 10k Paypal Credit Card To Start A Business With No Money

  Then your alternatives are restricted– and also PayPal Credit history is on that shortlist, if you desire a cheap or interest-free loan.

Because 2016, the payments service provider has actually long enabled buyers to obtain from it to make purchases, enabling PayPal to function as an online-only credit history card.

Like a bank card, if you pay your balance within a set period (56 days), you don’t get billed rate of interest.

For acquisitions above ₤ 99, nevertheless, this interest-free period skyrockets to four months; you just need to make minimal repayments.

What’s the catch? Well, PayPal Credit rating has a number of the challenges that put on credit scores cards, plus a couple of distinct concerns.

We go through PayPal Credit scores’s disadvantages as well as pros , as well as its choices. Apply with caution

Most individuals consider PayPal as a payments carrier; it takes a minute to establish an account and start buying.

The PayPal Credit application is similarly slick– you can receive your credit rating limit on the same day, unlike a charge card - yet it does entail a full credit history check.

Unlike the soft check made use of by contrast sites like loveMONEY to evaluate your eligibility for credit scores cards, a complete check impacts your credit score, also if you obtain approved for the item.

That can make it harder to get bank card, home loans or specific savings account.

A complete credit history check can affect your credit score score (image: Shutterstock).

Unfortunately, PayPal Credit rating does not offer an sign of whether you’ll be authorized ahead of time.

It does list requirements consisting of being 18 or over as well as a UK homeowner; utilized or retired with an annual income over ₤ 10,000, and also to be without any type of nation court judgements (CCRs) or insolvency and to have a ‘good’ credit rating.

If you have a bad credit rating or strategy to use for a mortgage quickly, seriously think about whether you really need PayPal Credit rating prior to risking your credit score score.

You might want to wait and also build your credit report instead ( right here’s exactly how). Four-month interest-free deal.

Providing you invest greater than ₤ 99 in a solitary purchase, PayPal Credit score gives you 4 months interest-free to pay it off.

This can save you a big quantity, due to the fact that PayPal’s rate of interest, although less than some credit scores cards as well as overdraft accounts, is a significant 17.9% APR

. You need to fulfill minimal payments: 1% of the outstanding balance, or ₤ 5, whichever is greater, or threat ₤ 12 late repayment fees, as well as you’ll wish to pay off your whole equilibrium prior to the 4 months end.

Getting financing at a shop’s check out isn’t new, obviously, and Argos, John Lewis as well as several others supply interest-free repayment durations, lots of approximately twelve months.

Each of these includes filling in a form and also a full credit scores check: with PayPal Credit rating you need only do this once, and also not have to maintain a number of various settlement plans in mind.

Having the liberty to shop anywhere that approves PayPal ( omitting a few gambling electrical outlets) makes it a lot more most likely you’ll discover the cheapest variation of what you’re looking for.

That’s additionally why you ought to prevent rent-to-own stores, which regularly increase the original costs of things they provide, so it’ll cost you a lot more also if you avoid paying interest. An examination by the FCA located an electrical stove worth ₤ 300 being sold at ₤ 1,044 with credit history.

Below’s where you can obtain aid if you’re having a hard time with debt.

PayPal Credit history can work out cheaper than buy-to-own seller credit ( picture: Shutterstock). Compared to a charge card.

If you do not mind going through a credit rating check and also wish to go shopping anywhere, consisting of physical shops, why not get a credit report card?

The most effective 0% purchase cards permit you to pay no passion for as much as 30 months, even on below- ₤ 99 purchases.

There are also credit rating fixing cards with interest-free acquisitions for those with a inadequate credit report rating who would not be eligible for PayPal Credit rating (like this one from Marbles).

Where PayPal Credit score has the edge is in its family member ease and simpleness.

Ease, because the application procedure fasts and also you could get your credit within the day, as opposed to waiting days for authorization and also card distribution. PayPal’s One Touch feature makes check out quicker than making use of a card.

Simpleness, due to the fact that the four-month duration from PayPal uses every time you spend even more than ₤ 99, whereas as soon as the first interest-free duration on a 0% purchase cards finishes, you should pay interest on brand-new acquisitions.

It’s additionally worth keeping in mind that, like a credit card, PayPal Debt supplies Area 75 security from damaged products or stopping working companies (unlike normal PayPal settlements).

Over the long term, PayPal Debt’s restricted capability could come to be bothersome– you can not yet utilize it in physical stores or places that don’t accept PayPal, or as down payments for rental automobiles or resorts.

Compare 0% purchase bank card here. PayPal scams.

There are many means to get scammed, yet PayPal users are specifically targeted.

Whilst you ’d usually just shed the cash in your PayPal pocketbook, with PayPal Credit scores you have a credit line of a minimum of ₤ 250 and also as much as ₤ 8,000 ( based on condition); the results can be tragic.

Phishing frauds, which claim to be from PayPal, could ask you to supply your login information.

Likewise look out for overpayment and advance fee scams if you use PayPal on ebay.com.

We’ve put together a overview to PayPal frauds which you can check out right here.

[tchallin]

The Future Of 10k Paypal Credit Card To Start A Business With No Money

  After that your alternatives are limited-- and also PayPal Credit history is on that shortlist, if you desire a interest-free or cheap loan.

Because 2016, the payments carrier has long enabled consumers to borrow from it to make acquisitions, permitting PayPal to operate as an online-only bank card.

Like a credit score card, if you pay your equilibrium within a set period (56 days), you do not get billed rate of interest.

For purchases over ₤ 99, however, this interest-free period skyrockets to four months; you simply need to make minimum payments.

What's the catch? Well, PayPal Credit history has a lot of the mistakes that relate to debt cards, plus a couple of distinct concerns.

We run through PayPal Credit rating's cons and also pros , and also its alternatives. Apply with caution

The majority of people think about PayPal as a settlements carrier; it takes a min to establish an account and also start shopping.

The PayPal Credit history application form is likewise slick-- you can receive your credit restriction on the exact same day, unlike a charge card - but it does involve a full credit rating check.

Unlike the soft check utilized comparative sites like loveMONEY to judge your eligibility for charge card, a complete check effects your credit rating, also if you get approved for the product.

That might make it much more hard to obtain credit cards, home loans or particular savings account.

A complete credit score check can affect your debt ranking (image: Shutterstock).

However, PayPal Debt does not offer an sign of whether you'll be accepted in advance.

It does list criteria consisting of being 18 or over and a UK citizen; used or retired with an annual revenue over ₤ 10,000, and to be without any nation court reasonings (CCRs) or insolvency and to have a ' excellent' credit rating background.

If you have a bad credit report or plan to request a home mortgage soon, seriously think about whether you truly need PayPal Debt prior to risking your credit scores ranking.

You could wish to wait and also build your credit rating instead ( below's how). Four-month interest-free offer.

Offering you spend greater than ₤ 99 in a solitary transaction, PayPal Credit score provides you 4 months interest-free to pay it off.

This can conserve you a substantial quantity, since PayPal's rates of interest, although less than some charge card and overdrafts, is a considerable 17.9% APR

. You require to fulfill minimum payments: 1% of the exceptional equilibrium, or ₤ 5, whichever is higher, or risk ₤ 12 late repayment fees, as well as you'll intend to pay off your whole balance before the four months end.

Obtaining money at a store's check out isn't brand-new, naturally, and Argos, John Lewis and numerous others supply interest-free repayment durations, numerous up to twelve months.

Each of these includes dental filling in a form and also a complete credit scores check: with PayPal Credit history you require only do this once, and also not have to keep several various repayment plans in mind.

In addition, having the freedom to go shopping anywhere that approves PayPal ( leaving out a couple of betting outlets) makes it more probable you'll find the most inexpensive variation of what you're searching for.

That's also why you should stay clear of rent-to-own stores, which frequently mark up the original rates of things they supply, so it'll cost you more even if you stay clear of paying interest. An examination by the FCA discovered an electrical cooker worth ₤ 300 being marketed at ₤ 1,044 with credit.

Right here's where you can get help if you're having a hard time with financial debt.

PayPal Credit history could work out cheaper than buy-to-own seller credit score ( picture: Shutterstock). Compared to a bank card.

If you do not mind undergoing a debt check and want to go shopping anywhere, consisting of physical stores, why not get a bank card?

The very best 0% acquisition cards enable you to pay no rate of interest for as much as 30 months, even on below- ₤ 99 purchases.

There are even debt repair work cards with interest-free purchases for those with a poor credit report rating who would not be eligible for PayPal Credit (like this one from Marbles).

Where PayPal Debt has the side remains in its relative benefit and also simplicity.

Benefit, due to the fact that the application procedure is quick and you could get your credit history within the day, as opposed to waiting days for approval as well as card delivery. PayPal's One Touch function makes checkout quicker than utilizing a card.

Simpleness, because the four-month period from PayPal uses each time you invest greater than ₤ 99, whereas once the first interest-free duration on a 0% acquisition cards ends, you must pay passion on brand-new acquisitions.

It's additionally worth keeping in mind that, like a credit report card, PayPal Credit history provides Section 75 defense from faulty things or stopping working companies (unlike normal PayPal payments).

Over the lengthy term, PayPal Credit report's limited functionality could come to be bothersome-- you can not yet utilize it in physical shops or places that do not approve PayPal, or as deposits for rental cars or hotels, for instance.

Compare 0% acquisition credit cards below. PayPal scams.

There are numerous means to get scammed, yet PayPal customers are specifically targeted.

Whilst you 'd normally just lose the cash in your PayPal purse, with PayPal Credit history you have a credit line of at least ₤ 250 and also up to ₤ 8,000 (subject to status); the results might be dreadful.

Phishing frauds, which profess to be from PayPal, might ask you to give your login info.

Additionally look out for overpayment as well as breakthrough fee scams if you use PayPal on ebay.com.

We've created a overview to PayPal rip-offs which you can read here.

[ps4blackfriday2018-blog]

PS4 Black Friday 2018: the best deals on PS4 Pro, games, and more

The shopping extravaganza following Thanksgiving 2018 is seemingly within easy reach, regardless of whether you're prepared for it or not, genuinely - November is currently under two months away, all things considered. As we have improved the situation the previous couple of years, we'll be staying up with the latest as conceivable with all the most recent and most noteworthy arrangements, offers, packages and rebates on PS4 supports, ps4 console cyber monday deals ,recreations, embellishments and that's just the beginning. Regardless of whether you're looking at up a potential PS4 Pro to move up to or you need to experiment with a PSVR and see what this virtual reality complain is about, you can discover all the important arrangements ideal here as the day(s) appraoch.

Need a greater amount of the best Black Friday 2018 arrangements around? Make sure to look at our advisers for the best PS4 Black Friday bargains, the best best xbox one s black friday bargains and the best Nintendo Black Friday bargains. In case you're a PC gamer, go to our page covering the best PC gaming Black Friday bargains this year brings to the table.

While regardless we have a bunch of months before the huge day itself, how about we investigate a year ago's Black Friday post beneath for a few thoughts concerning what we can expect this year...

The day after Thanksgiving 2017 has now gone into history. In case you're still in the market for another PS4, moving up to a PS4 Pro, or simply grabbing some half-average amusements for less then despite everything you have some great alternatives to browse - you should make a beeline for our new page on PS4 Cyber Monday bargains.

The shopping extravaganza following Thanksgiving 2017 commenced somewhat sooner than it has done in earlier years, as excited retailers apparently couldn't keep their arrangements calm sufficiently long to make it to the headliner itself. Rather, most by far of UK-based stores propelled their different Black Friday deal extends an entire week in front of the day itself. In the US, comparable things occurred, especially at Amazon. We'll be here all end of the week and into one week from now, gathering the plain best PS4 Black Friday 2017 arrangements, so make certain to bookmark this page and return for the most cutting-edge bargains.

So far this year, the greatest and best PS4 bargain we've seen is a colossally enticing value drop on a PS4 Pro comfort. Most strikingly, you can get a PS4 Pro with Gran Turismo Sport and Call of Duty WW2 for under £300. This is £50 not as much as the standard expense of a PS4 Pro reassure and you'll get a couple of included diversions completely free, or, in other words to suggest. We've additionally observed value cuts on Destiny 2, Wolfenstein 2, and Yakuza Zero. Furthermore, a time of PlayStation Plus will cost you £37.49 temporarily.

Best PS4 Black Friday 2017 comfort bargains

Best PS4 Black Friday 2017 diversion bargains

The best PSVR Deals on Black Friday 2017

PS4 Accessories to pay special mind to

There remains a lessening yet at the same time significant rundown of offers on different stages, as well. We've selected the best Xbox One Black Friday 2017 arrangements or our summary of Nintendo Black Friday bargains as well.Elsewhere, you'll discover our picks for the best PC gaming Black Friday bargains, the best Apple Black Friday offers and even about 4K TV Black Friday rebates.

Best PS4 Black Friday support bargains

ps4_and_slim_and_pro

We'll begin by investigating the simple best PS4 Black Friday comfort arrangements of the current year's Black Friday up until this point. PS4 Slim and PS4 Pro wraps alike are up for markdown this year, with Sony hoping to contend with Microsoft's shiny new Xbox One X 4K machine. This year up until now, we've seen a better than average measure of rebates on PS4 Pro consoles and the 1TB model of PS4 Slim. At the present time, the best Black Friday offer you're probably going to discover on PS4 is a £224.85 for a 500GB Slim. The better rebates are on PS4 Pro, or, in other words £282.95 with a diversion.

the UK:

PS4 500GB with FIFA 18 for £199.00

PS4 500GB Slim with GT Sport for £199.00

PS4 500GB Slim with COD WW2 for £199.00

PS4 Slim 500GB with FIFA 18, Destiny 2, GT Sport, Knowledge is Power, Extra Controller and multi month PS Plus for £249.99

PS4 Pro 1TB with Gran Turismo Sport for £299.95

Notwithstanding all these UK packs, you can likewise get an additional DualShock 4 controller in a scope of hues for £37.99 at Argos.

In the US:

PlayStation 4 1TB Call of Duty WWII Limited Edition Bundle for $299

Playstation 4 Pro 1TB Console + Star War Battle Front 2 + Final Fantasy XV for $399

PS4 Pro 1TB (with code TY10) for $314.99

Best PS4 Black Friday amusement bargains

Next, we should investigate which diversions have seen huge rebates in the current year's Black Friday celebrations. At an opportune time, plainly Bethesda titles including the as of late discharged Wolfenstein 2 and The Evil Within 2 would see noteworthy value cuts and things have just developed into greater arrangements from that point. Here are the best PS4 Black Friday amusement bargains up until now.

In the UK:

Crash Bandicoot N Sane Trilogy for £20.00

FIFA 18 for £36.00

Center earth: Shadow of War for £29.99

Wolfenstein 2: The New Colossus for £19.99

Tekken 7 for £26.99

Tom Clancy's Ghost Recon Wildlands for £20.00

Enrage 18 for £36.00

Unfairness 2 for £22.99

Fate 2 for £26.00

Neir: Automata for £23.99

PlayStation Plus: year Membership for £36.85

In the US:

Yakuza Kiwami Steelbook Edition for $19.99

The Evil Within 2 for $24.99

Sonic Forces Bonus Edition for $29.00

Everyone's Golf for $15

Yakuza Kiwami (add to truck) for $15

Shamed 2 (add to truck) for $15

PlayStation Plus: year Membership for $39.99

Ponder Boy: The Dragon's Trap for $39.99

The best PSVR Deals on Black Friday 2017

PS_VR

Not as hot a prospect this year as it was a year ago, the PSVR is acutely valued pretty much wherever - you will need to spend north of £200 to get the full thing, in spite of the fact that you'll get a couple of diversions tossed in with that.

In the UK

PSVR with headset, camera, PSVR Worlds, Fallout 4 and Gran Turismo Sport for £249.99

PSVR with headset, camera, PSVR Worlds and Skyrim VR for £239.99

Skyrim VR for £39.85

In the US

PSVR with camera and Gran Turismo Sport for $299

PSVR with headset, camera, Move controllers and Skyrim VR for $349.99

That is about your part. How about we check whether the retailers go more frantic with the rebates as we draw nearer to Christmas.

PS4 Accessories to pay special mind to

PS4_1TB_Slim_with_DualShock

In case you're as of now a glad PS4 proprietor - and looking the business figures, that is factually likely - you can at present sprinkle out on a few additional items to make that bit more extraordinary. This Black Friday we've for the most part observed better than average offers on controllers - legitimate Dualshock ones as well, none of that knockoff babble. Fill your boots.

In the UK

PSVR with headset, camera, PSVR Worlds and Skyrim VR for £239.99

PS4 Black Friday Console and Bundles Keywords Dualshock controllers, different hues for £37.99

PS4 Dualshock controllers, different hues (each recorded seperately) for £34.99

In the US

PlayStation Gold Wireless Stereo Headset for $64.99

Playstation Gold controller for $38.00

PlayStation Red Crystal Wireless Controller for $39.99

PSVR (Headset just) for $199

Additionally worth watching out for - the PlayStation VR headset. Sony as of late declared that a more up to date model of this was gone to racks in the coming months, so search for retailers to cut the cost of the first form with a specific end goal to move stock around Black Friday 2017. The more up to date form of the headset includes HDR passthrough and coordinated earphones to the headset, so if neither of those is basic to you, you may simply have the capacity to get a flat out take on a unique model PS VR headset. DualShock 4 controllers have seen steady rebates throughout the years, so expect all shades of that to see rebates to bring the expense down to £30 or underneath.

The shopping extravaganza following Thanksgiving 2017 is seemingly within easy reach. With it, unavoidably, will come several rebates, groups, exceptional offers and deals on a wide exhibit of tech and amusements, among numerous different things. On the off chance that something you're hoping to look out for is a deal bargain on a PS4 reassure, a PS4 Pro support or some glossy new PS4 diversions, you're in the perfect place.

A year ago, Black Friday gave us PS4 Slim consoles from as meager as £189 with amusements tossed in for nothing, so hope to see that value descend somewhat further (maybe as low as £160 now and again), alongside a reiteration of first and outsider recreations tossed in. Notwithstanding that, with the blend of the PS4 Pro presently being a year old and the arrival of Microsoft's contending top of the line reassure in the Xbox One X, it's a genuinely sure thing that we'll be seeing some awesome esteem packs including the PS4 Pro this year.

The shopping extravaganza following Thanksgiving, for those ignorant, is the infamous shopping spectacle that includes retailers from over the world offering enormous rebates on tech, hardware, recreations, consoles and then some. This year, Black Friday happens on Friday, November 24th, 2017. For the majority of our other Black Friday inclusion, you can look at our Black Friday bargains center, which includes the best arrangements on PS4, Xbox One, best nintendo switch cyber monday deals , and the sky is the limit from there.

MORE STORIES

Sources: spilled Harry Potter amusement is genuine, not created by Rocksteady

At the beginning of today, film professing to be of an under-wraps Harry Potter venture seemed on the web. The video looked calling…

The fun doesn't stop on Black Friday, however. Following an end of the week loaded up with arrangements, Cyber Monday happens on November 27th, 2017. Regardless of its recoil commendable name, you can consider Cyber Monday as another opportunity for a ton of online-based retailers to rebate a wide assortment of their items, the majority of which won't have been marked down amid Black Friday itself. It's definitely not a one-day undertaking, however - you can expect one more week of arrangements.

In light of past Black Friday encounters, Sony tends to make some great manages retailers that have brought about pleasant rebates on PS4 equipment and in addition first-party amusements at deal costs. With Uncharted 4 presently being eighteen months old and a subsequent diversion in Uncharted: Lost Legacy having been discharged now, it would be a decent wagered that we'd see either of those recreations at scratch and dent section costs.

As far as amusement bargain

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"Hatfield Arkansas Cheap car insurance quotes zip 71945

Hatfield Arkansas Cheap car insurance quotes zip 71945

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Hatfield Arkansas Cheap car insurance quotes zip 71945

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Hatfield Arkansas Cheap car insurance quotes zip 71945

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Does wreckless driving increase your insurance cost?

my friend was donutting

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Hi, I was wondering if someone could help me. Ok, When I'm 17 I'm intending getting a car straight away and putting it onto my dads name. (he has been driving over 30years so it should be cheaper atleast a few hundred - his is like 300 per 6month's driving a 1.8 litre Ford Focus) Anyways - I have enough money to get my driving lessons completely paid for and passed (ofcourse as I was promised for it to be paid) and I have a few thousand left in the bank Anyways - I was wondering if someone could recommend a car for me. I'm into like these kind of cars: Vauxhall Corsa Vauxhall Vectra (the 05 type) Vauxhall Astra (the new kind of hatchback (05 again I think) Ford Mondeo 2001 Ford Fiesta (I love those modified but not for a first car!) Fiat Punto 2005 Seat Ibiza I know nearly everyone will be saying the Corsa is the least to insure of which I know it is (Insurance group 1 I think) but.. Its just not my sort of car for my first car but I would like to have it later in life. I'm 15 the Now (16 in March) and my dads covered with E-Sure. What car would be best to insure (In order)""

QUESTION ABOUT CAR INSURANCE?

i was involved in an accident a couple days ago, and it wasn't my fault, well my son was drivin my car and hes not in mygo inicy, he got his own car his own insurance and everything , anyways, so i called the insurance and they said they were goin' to call the other person whom my crashed with, later my insurance called me tellin' me that my car won't be fix because the other person insurance has expired??? and because my son was drivin my car, they also told me that because my son its not in my policy?? i told them But My car has full coverage??....Why Wouldn't they fix my car??..can i get a lawyer for this??""

How much are you paying car insurance NJ?

I just want to know, please answer with how much, every 6 months? age? and any driving history? My mom and I are paying 2000$ 6 months, both of us have had unsafe operation in our driving records. does that sound reasonable to you? I'm really new to this car insurance and trying to know. thanks""

Peugeot 106 or 206 for first car?

Im 17 and im goin to buy a new car , wot should i choose wot will be least on insurance will there be much difference , how much on average will insurnce be in the uk , north west, any other suggestions for a car upto 800 to spend, thanks x""

Need help with car & insurance (Just starting out)?

So I am 18 and want to move out of my mother's house because of reasons I shouldn't mention. Not because I am some spoiled teen looking to do what ever I want. But are you willing to help me? My question is: How do I get my liecense with out limited insurance or a car? How do I get insurance without a liecense or a car? How do I get a car without a liecense or insurance? This is the vicous cicle D: How can a new adult jump out into the world when my mother isn't willing to help me? I have a stable income. I just need some advice.

People who can't afford health insurance are quacks?

i see the merits of having universal health care, kind of, but it seems to me that the problem is a lot of middle class citizens who just decide nto to purchase health insurance on the premise that they cannot afford it , and instead opt to buy material goods that are solely for luxury. you cant go out and buy nice cars and houses and bypass health insurance and then cry it off that the government should give free care to everryone.......i definitely agree it should be cheaper for the poor etc. bottom line: ppl need to realize health is the most important thing in there life, and satisfy that need, before thinking about personal possesions (nice cars etc)""

Why do I have to get car insurance?

Insurance guy lied, my fun sporty little 04 Mitsubishi eclipse gt (5 speed manual v6) was actually going to be $200 more monthly than he said it would be. It was fun to learn how to drive it. But now it's as good as gone (parents were helping with the insurance). Who's to blame? Why do I have to deal with insurance goons to start with? Couldn't there be a better way? In a slightly more perfect world what theoretical system would cut out the goons?""

Good insurance for a small liquor store/market in Los angeles county?

I am looking for a good commercial insurance company for my newly purchased small liquor store/market in southern California. It's a tiny 850 sqft store. I am looking for one that is reputable & lower price. Anybody know? What kind of coverage should I get? approximate cost? best most helpful answer gets full points!

What do car insurance companies base their quotes?

i know insurance for each car is different but what do they take into consideration, before giving a quote?""

Jeep Tracker - About how much will insurance cost?

I'm 16 years old and I will be getting the Jeep tracker after I take drivers training. I live in Alberta and I am buying the car for about $1500. Any help would be great!

Which state has the most affordable health insurance?

Which state has the most affordable health insurance?

""When you had your first car, how much were you paying for the insurance?

im just gathering statistics

""When renting from Budget car rental service, do you need full insurance coverage?

I'm renting from Budget and need to know if I have to have personal full insurance coverage to rent

Would insurance on a 1992 lexus sc 300 be expensive? im 18 year old in riverside california?

yes i recently just got my license and im only 18 in riverside california

How to these rich boy racers who are like 18-19 afford the insurance on aventadors and audi r8's?

How do they get quoted at such a young age on supercars,I understand money's not a problem for them so it doesn't matter what the price is but if I wanted 2litre audi at my age (17) a insurance company wouldn't even quote me""

Does a speeding ticket raise your car insurance?

I've gotten one speeding ticket 2 years ago but took defensive driving. I don't feel like taking it again but am willing to if there's a hike in my insurance. I'm in ...show more

Should we have whole life insurance?

My husband is 26 yrs old and he bought whole life insurance. I tried to tell him to get term sicne we are so young, but he wouldn't listen. Can anyone help me?""

What's reasonable insurance quote for new driver (UK)?

Hi Everyone! I'm a new UK driver searching insurance quotes for my Ford escort (engine size 1.4). I'm thinking third party only for starters. What sort of ammounts should I consider to be reasonable offers? Also, must I pay the premium in one lump sum? P.S: I'm 23 years old... Cheers!""

""Car Insurance, passed test today, 18 years old, cheapest insurance?""

Hi, I passed my test this morning and I live in Birmingham in the UK, I was wondering if there was any companies that do cheap insurance for my age group.. The car I have is a 1.4 Ford Fiesta Zetec, and was looking on paying 2500 maximum. Thank you!!!""

Hatfield Arkansas Cheap car insurance quotes zip 71945

Hatfield Arkansas Cheap car insurance quotes zip 71945

I want to take a used car home from the dealer but I have no car insurance or insurance card...?

What do I have to do to make this possible? I'm trying to take this used car home for the night and drive it around but I have no insurance card.... I have a license..but no car insurance and all the salesman is asking is for my insurance card. What do I need to do to get around this?

Where can i get auto insurance for cheap?

i have a utah license but live in idaho. i don't want to pay much more than $150 a month.

How come two of the same cars are given more expensve insurance values?

two ford capri's with the same engine size and model (both ford capri 1.6's laser) have been given a different valuation on insurance. they both cost the same to buy (1500) and both are unmodified the only separation is the years they were made. the cheaper one to insure was made in 1984, the more expensive was in 1987, anyone any ideas? here's the quotes i got 3847.93 for the cheaper one and 4264.90 for the more expensive and newer model. any ideas?""

How much is car insurance monthly in Oregon with a Dealer License?

A buddy of mine who lives in Washington registers their cars with their dealer license. My buddy claims that his car insurance is only about $20.00 a month because of his dealer license. My family and I are beginning to pick cars up on craigslist and flipping them and are getting a dealer license so I'm wondering if in the state of Oregon, if the car insurance will be cheap like that or is that a Washington only thing? Thanks for your answers- Paul""

How much auto insurance premium go up after an accident?

I got into a car accident about a month ago. I totaled my car and damaged another. A passenger also got hurt in the other vehicle and filled a claim but it doesn't look like hes suing. The accident was clearly my fault. I currently pay $160 a month for two cars and I'm 24 years old. Anyone have a rough idea as to how much it will go up? Thanks.

Mobile home insurance?

i am thinking about buying a 2008 single wide mobile home that is in a lot in a trailer park. anyone have a guess on what insurance might a month?? or do i need it?? Thank you

Best insurance company.?

In your opinion what's the best insurance company. For a car that is.

What a good auto insurance for a college student?

going to be my first insurance so i really wanna get a good n cheap insurance

""Fines for driving Suspended license,No insurance and expired tags?

i got pulled over because my tags were expired. i didnt do anything wrong though..driving anyways. i was 17 when this happened. can anyone tell me how much on average i will have to pay for the ticket?

Are there any penalties for tricking your car insurance company?

My friend has been living & working in NYC for the past 5 years, but she's been telling her car insurance company that she never moved from Georgia to keep paying low rates and she never changed her driver's licence from Georgia to NY. But she drives her car here in NY every day so how did she manage this? If they found out would she get fined or anything?""

Would claiming on insurance/suing cause this guy to lose his job?

Basically, Iive in NY and a while ago I was driving to work when a taxi in the next lane floored the gas, then came into my lane too early, and smacked into the side of my car. (http://sphotos.ak.fbcdn.net/hphotos-ak-snc6/hs047.snc6/167708_1829137573885_1403718556_32066375_2647816_n.jpg the car was spun a few times before hitting the curb and i got severe whip lash, taking a few weeks off work which isn't good in my profession. I fully planned to make an insurance claim but my lawyer also suggested suing for dangerous driving. It has struck me however that this guy might lose his cab if I do so, and he is likely to have much money, while I could pay for the damages, or a new car. I don't want to make this guy lose his job, how would it play out?""

Cheap car insurance? and cars that are cheap to insure?

Im 17 and had my licence about a month and really want a car but insurance is a killer. anyone knoe of any cheap cars in insure and companys that are cheap for people my age? thanks

How much would car insurance and tax cost?

I was just wondering how much car insurance and tax and anything else i would have to pay other than the price of the vehicle would cost a 23 year old in England on an Automatic Chevrolet Camaro, Automatic Range Rover Sport or an Automatic Ford Mustang GT.""

Car Insurance on a 2007 Dodge Charger SXT?

I am a 17 year old guy and i was just wondering roughly how much insurance would be on this car. I know its probably really high i just wanted kind of a rough estimate ! -I have my G2 -I completed Drivers Ed -I live in Ontario -The car is used

Unemployed pay more for car insurance?

The 'cat is most definately out of the bag' about big insurance companies in the UK who are making a mint from people who find themselves out of a job and renew their car insurance policies and find that their premiums have nearly doubled because of their circumstances. We already know of the money-spinning ideas they already have , ie Young Drivers and Female Drivers...now they are hitting the Redundant Jobless. Are there no lengths that these companies will stoop to make billions from us?""

Why do boys pay more for car insurance than girls?

Charging more to one gender because they overall drive worse is sexism. It's the same thing as charging one ethnicity more because of their overall average and that's racism. P.S. On I what I have noticed, females tend to be worse drivers than males (sorry).""

How much does a No Insurance ticket from the police cost in Illinois?

I got a no insurance ticket about 2-2 1/2 years ago along with a no registration ticket. The car wasn't mine and I didn't know that the car had no insurance/registration. I live in Illinois by Chicago, so it may be different. I just found out that they suspended my license about 3-4 months ago, because I never went to court for the tickets.""

Do you have to insure a road legal quad?

One with number plates, i want one. I'm 17 and don't have 5 grand to insure my own car, so what about a road legal quad? Are they loads to insure, or are they free to drive on a road? Thanks.""

Is motorcycle insurance usually more costly than auto insurance? whats usually the median cost?

I want to get a motorcycle and I have a car. I am selling my car and buying the bike. Am not worried about passing the licensing test or anything like that. Am wondering about how much motorcycle insurance runs. Anyone that can help with some examples or ratios in their personal life of how much a bike costs compared to a car?

Classic car insurance for 17 year olds?

currently looking for cheap car insurance for escort xr3i. Because of my age this is almost impossible but I was wondering if it is posible to be a named driver for classic car insurance on a parents policy. most classic insurers say drivers must be over 25. is there anywhere I could do this ?

""Would you buy a health insurance policy if it was not required of you, yet affordable?

a. I'll wait until I'm required to b. No way c. Absolutely e. I want one for free because I don't have a job and I live in my mom's basement

Car insurance Questions!! HELP!!!?

My wife and I bought a used car the other day. The car dealership didnt require us to have insurance on it before we left because we paid cash for it. Well on the way home she got into a wreck. It was her fault. Someone said that the dealership covers the car up to 30 days from the time you bought it?? Does anyone know abt this? Or know how I can have it covered? Thanks

Question about car insurance and the situation i am in?

So, i have a truck that my step-father gave to me to drive. i did a lot of work to get it up and running and looking decent. now the time has come to get insurance so that i can get tags on it and have my own vehicle. but my insurance is going to be way to much for me to afford. lame. i know. but i have a solution, my real father said that he would insure my(in step dads name) vehicle in his name dropping my insurance down to 48 bucks a month. so basically, can i get tags on a vehicle if the the insurance isnt it the vehicle owners name?""

Cheap auto insurance in maryland ?

i bough a 1993 honda civic and i need insurance before i can go pick it up which is gonna be on sat wats the lowest rate im 19 with a full dl never been stopped or gotten a ticket im looking only for liability not full covered

Motorcycle insurance?

what would be a reasonable monthly rate for motorcycle insurance? For an 18 year old male, with a 125cc honda CL125S two-seater. In Pittsburg, PA. Looking for low-end prices.""

Hatfield Arkansas Cheap car insurance quotes zip 71945

Hatfield Arkansas Cheap car insurance quotes zip 71945

https://www.linkedin.com/pulse/compare-cheap-car-insurance-jose-michaelson/"

[opticien2-0]

How Shop Direct, Argos, River Island and Argos set out to deliver the right experience

The retail interaction doesn’t stop once a shopper clicks on the buy button. Emma Herrod investigates why the delivery experience is just the start of the opportunity to connect.

Convenience and price have been driving the growth of online retailing and the same factors are of equal importance to consumers when deciding how they want their purchase delivered. While some shoppers say that they choose one delivery method over another because of price – with the free option predominantly offered by retailers requiring a minimum spend – for other purchases convenience is chosen. This convenient method may be delivery to a locker, pick up point or click and collect location because the shopper knows that they will be passing the location at a certain time. Delivery to home on a specific day or at a certain time also offers this convenience.

This surety of getting the product at a certain time extends back up the supply chain with shoppers wanting to know that something is in stock at a particular location before they go to the store. This has been a driver of reserve and collect services whereby a shopper can go online and reserve an item in a particular store and pick it up a set amount of time later.

For some retailers this can be as short a time as five minutes, with store staff collecting the item from a shelf and putting it into a holding area such as a customer services desk or ring fencing it from amongst the stock allocation. For others, the reserve online, pick up in store is a longer process with the item being transferred from another store – as per Argos’s hub and spoke method – or from a central distribution centre.

“This nirvana of getting a clear view of inventory irrespective of where it is, whether it’s in the warehouse, being moved somewhere or in a store is critical to allowing retailers to sell in today’s world,” says Craig Summers, managing director UK, Manhattan Associates. “It’s a simple thing to say but a really hard thing for people to do,” he adds.

All of these connections make the customer feel that they are in charge of fulfilment of their order and give them confidence that they can get the item they want to buy from the right location and in a way that suits them. The anything, any time, any place predictability of omnichannel retailing is becoming less of a differentiator for the customer experience and more something that is simply expected as the norm.

In the last year alone, fashion retailer Asos has introduced 200 related delivery improvements around the world. Since October 2017, it has been rolling out same-day delivery to UK customers in selected Leeds, London and Manchester postcodes. These customers can pay £9.95 in order to receive their parcel – which must be ordered by 10am – between 6pm and 10pm. “We’ll be pushing back cut off times to midday soon,” says Mark Holland, supply chain director, Asos.

The Asos Instant service will be expanded further throughout 2018, joining the retailer’s other UK delivery options that include next-day delivery, click and collect, one-hour delivery times and free returns as standard on all of its orders. Looking further ahead, Holland believes that delivery to a mobile rather than a fixed point is something that should be investigated.

Chris Haighton, head of logistics at Shop Direct, believes that it’s easy to get distracted by new technology and that retailers need to concentrate on the basics in order to give customers the best delivery experience. “You have to build on solid foundations,” he told delegates at the recent MetaPack Delivery Conference.

At Shop Direct, delivery is seen as a hygiene factor. It’s also the biggest driver of customer complaints when delivery goes wrong. Haighton explains that getting the delivery experience right for your customers is all down to listening to them. Shop Direct customers “want free delivery. Behind that then is convenience, speed and a number of other options but primarily free,” he says.

Shop Direct therefore focuses on ensuring that the delivery proposition fits with the customer lifestyle. “We try to break the proposition down into all of the different elements of the journey starting with product setup , setting up the carriers for success, in checkout and the checkout page, capturing the right information there and refining that all the way down the process to the point at which when you make the delivery the customer has the right communication, the expectation has been set in the right way, the carrier has been set up for success right the way through the chain,” says Haighton.

Regardless of which company is carrying out the delivery, Shop Direct aims go get three things right in order to give the customer the right experience: get the parcel to the customer’s door on time; land it with the customer first time; get the communications such as tracking and customer information right. This communication is vitally important, according to Haighton. “We drive all of this so that we minimise customer communications back to us because that reduces cost and delivers a hygiene factor,” He adds “It’s all about making sure we minimise that level of failure right the way down the line,” he says.

At River Island, the key has been to look at customer service in terms of getting back to customers when there’s an issue and having a good resolution process in place. This has meant “putting the best carriers into the business that service the customers and make sure that when there is a problem it’s resolved very quickly and the problems are few and far between,” says Martin Goldstein, head of purchasing at River Island.

This feature first appeared in InternetRetailing Magazine’s March 2018 issue. To explore this issue, and previous issue further, click here.

The post How Shop Direct, Argos, River Island and Argos set out to deliver the right experience appeared first on InternetRetailing.

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[rollinbrigittenv8]

Highlights From 12 Countries in Europe That I Visited This Year

Wandering Earl

On October 26th, I’ll be leaving Gran Canaria and making my way to India. And with that trip, I shall say a big goodbye to all the countries in Europe as I won’t be back before the end of the year.

I’ve actually spent a decent amount of time traveling around Europe in 2017 though, much more than usual. I think it’s been 12 countries.

My European experiences began back in February when I flew from Miami to India, changing planes in Frankfurt. I had a long 6 hour layover there, most of which I spent half-asleep in one of the airport lounges (thanks to the Priority Pass that comes with my Chase Sapphire Reserve credit card). I remember eating a sandwich at some point and then, before I knew it I was boarding my second flight, Frankfurt to Kuwait.

It was a quick stop but my subsequent visits to this continent would certainly be longer.

This post is a recap of all the countries in Europe that I’ve visited this year, with my personal highlights and a couple of recommendations in case you happen to be headed to any of the same destinations.

12 Countries in Europe

GREECE

In May, I landed in Athens. My girlfriend and I were in Greece to meet up with my mom who had traveled in from the US. We spent 5 days in Athens followed by a week on the island of Santorini. I really enjoyed Athens. With a nice list of interesting neighborhoods to explore, plenty of historical sights beyond the Acropolis, excellent food, markets (the Monastiraki Flea Market is definitely worth a visit) and pretty good weather year round, it’s a city that offers plenty to do no matter what kind of traveler you may be.

Highlights (Athens) – The food. I mean, it was nice walking around the Plaka neighborhood and all that but the food, anywhere we sat to eat, was the real highlight. Give me eggplant, fava (split peas), saganaki (grilled cheese), tzatziki, salad and stuffed vine leaves every day and you will have no complaints from me!

Highlights (Santorini) – I could just say everything and that would indeed be true but to be more specific – the magical village of Imerovigli, the stunning walk to Oia, renting a car and driving to Akrotiri, sunset every single night over the caldera and the Venetsanos winery…and the food (Argo restaurant = some of the best food I’ve ever eaten).

Accommodation (Santorini) – Merovigla Studios – Great low-key, budget place with large rooms and perhaps the best location on Santorini, with perfect views across the island and water (see the photo above!). It’s situated in the small, cliff-top village of Imerovigli, away from the big crowds of the more popular Fira but only a beautiful 20 minute walk away.

ALBANIA

We came to Tirana, Albania pretty much for no reason. We had a few days in between Greece and meeting up with one of my closest friends in Montenegro so we chose the conveniently located Tirana as our stopover. It was my second time here and we spent most of our four day stay wandering around various neighborhoods, hanging out and working at a handful of cafes and just taking it easy. There aren’t a ton of things to do or see here but that was perfectly fine with us. Besides, as you’ll see below, the main highlight of our visit was exactly the kind of main highlight that I prefer!

Highlights (Tirana) – My favorite experience by far involved a hair dresser in the Blloku district of the city, the Italian language and a local fish restaurant. Here’s the full story.

Accommodation (Tirana) – Vila e Arte – Small, quiet hotel with comfortable budget rooms right in the city center. For around $35 per night, it’s a great deal. Includes a nice breakfast, too.

MONTENEGRO

Once it was time to meet my friend, we took a ride from Tirana across the border and up to the small town of Kotor, Montenegro. It was also my second time here but this is one of the countries in Europe that I wouldn’t mind returning to over and over again. Montenegro itself is small and the town of Kotor is tiny, and quiet, but the setting is gorgeous right there at the end of a mountain-lined bay. The old town is atmospheric and full of charm and the whole place just feels like you’ve been transported into a fairy tale.

Highlights (Kotor) – All it takes in Kotor is one look out the window at the mountains, one stroll along the water or one wander through the narrow lanes of the old walled town to feel good. There is pretty much nothing to do here apart from enjoying the dramatic setting but, hey, sometimes that’s all you need for a rewarding trip. If you venture into the old town, make sure you do so in the morning, afternoon and evening…it has a different feel each time. And just before sunset, head up the path to the Castle Of San Giovanni to really get an idea of your surroundings. It’s worth the hike. (For food, go to the inexpensive waterfront Konoba Akustik for an excellent meal and try to find the very local Fortuna Food for a quick, dirt-cheap and very delicious lunch.

CROATIA

Oh dear Croatia. This was my third time to Croatia and second visit to Dubrovnik. And once again, I struggled. It’s a pretty place, without a doubt. The old town is indeed interesting and pleasing to the eye. But just like my previous visits, I just don’t get what all the fuss is about that brings so many people to this town. I must be a weirdo, that’s the only conclusion I can reach.

Highlights (Dubrovnik) – Watching the sunset every evening from the balcony of our Airbnb. And taking the ferry along the coast to the village of Cavtat was pleasant, too. Apart from that though, I’m not sure what else to list.

ITALY

On the other hand…I love Italy. How can you go wrong here, at least as a tourist? With that said, there were only 2 reasons that we came to Italy on this occasion. The first was to hang out with some friends and second was to go with those friends to the Guns N Roses concert in the town of Imola. The friends lived in Pisa, so that’s where we spent our first 4 days and then we went to the concert and spent two nights in Bologna after that.

Highlights – The Guns N Roses concert!! Apart from getting there super early and standing in the sun for 8 hours before they came on stage, it was excellent and well worth traveling to Italy for. And of course, I also had a great time meeting my girlfriend’s friends, eating real Italian food (awesome pizza at In Provincia di Pizza just outside of Pisa) and just being in Pisa itself, away from the leaning tower and crowds, soaking up the atmosphere of the regular neighborhoods with someone who had actually lived there.

GERMANY

The trip to Germany was to visit another friend of mine in Berlin. The idea was to spend all of our time in that one city and that’s exactly what we ended up doing. The days were spent working, wandering around different areas, hanging out with my friend, eating good, cheap food and shopping for warm clothes as the autumn winds and low temperatures hit us quite unexpectedly.

Highlights (Berlin) – The food market on Thursday nights in the Kreuzberg neighborhood, the Kreuzberg neighborhood itself with all its local eateries, cafes, parks and inspiring vibe and a vegan Vietnamese restaurant we found called Soy. Vegan or not, it’s mighty good. We went three times. One of the best restaurants I’ve found all year actually, and cheap.

Accommodation – Leonardo Royal Hotel Alexanderplatz – We went for a little splurge here and it was a solid choice. Very comfortable rooms in the city center, close to public transportation and within walking distance to Alexanderplatz and all kinds of restaurants, cafes, nightlife and activities.

SWEDEN

The time had come for the Midsummer Festival! And to meet up with some more of my girlfriend’s family and friends. It was a great combination for a trip to this beautiful country, my first visit back here in many years. Our destination was not Stockholm though. We were in the far, far, far lesser known towns of…Skovde and Lidkoping. Much to do in these places? Nope. But any slice of Sweden seems to come with that uniquely enchanting, calming ambience that is quite appealing at all times and which only a handful of countries in Europe can offer.

Highlights – Beautiful nature everywhere. We were in places that nobody has ever heard of but it doesn’t matter. All you need to do in Sweden is go for a walk. Find a trail near a lake, head off into the middle of some fields, find a forest path…even the 10 minute walk from where we were staying in Skovde to the supermarket was filled with enough beautiful nature to instantly turn a bad mood into a good one.

ROMANIA

At this point, it was time for me to lead my Wandering Earl Wander Across Romania Tour and so I flew to Bucharest. I arrived a couple of days before the tour began and then for two weeks I traveled around with my group. We visited Brasov, Sighisoara, Corund, Cluj-Napoca, Hunedoara, Sibiu and the Transfagarasan and no matter how many times I travel around this country, I simply can’t get enough of it. Trust me when I say that Romania is going to be on everyone’s travel radar very soon!

Highlights – The region of Corund. This was the first time I took my group to this region and it won’t be the last. I’m talking about real, traditional life out here, nothing touristy whatsoever. We ate with locals in their homes, visited their local workshops (not operating for tourists), met so many local people, tasted their homemade drinks, roamed around beautiful, remote plateaus, visited a straw hat museum (sounds corny but it’s pretty damn cool) and more. My 2018 Romania tours will also include this region as it’s perhaps the most local and authentic place I’ve ever visited in Europe.

Accommodation – Casa Lia in Sighisoara – This one is my favorite. Run by a sweet couple, it’s a chance to have a real homestay in the heart of this medieval village. Comfy, low-cost rooms with hospitality like you won’t believe. It’s not just accommodation, it’s a complete and wonderful travel experience.

HUNGARY

Second time in Budapest. And sort of like with Dubrovnik, I’ve still yet to join the masses and become a huge fan. It certainly has nice buildings but I just didn’t connect with the place again. Maybe it was because I had arrived from Romania, one of my favorite countries in Europe. No idea.

Highlights (Budapest) – Our nightly walks along the Danube River, past the famous Parliament building, across the Széchenyi Chain Bridge and around the area of the Buda Castle. The Central Market Hall was good to visit as well, but compared to the last time I was there, it seems to have become specifically a tourist destination.

ROMANIA (again)

Back to Romania…this time to visit my girlfriend’s aunt in the small village of Pesac. We went from city to city for much of our European travels and then suddenly, there we were, in the quiet countryside. Surrounded by dirt roads with well-maintained country homes, forests and fields, large family gardens, horse-drawn carts, cows and goats and dogs roaming around and a complete lack of noise, pollution, traffic or any worry whatsoever, it was the most serene experience I’ve had this year. Throw in some home-cooked food, much of which was made from locally grown products, some local home-made wine, evenings outside walking and chatting in the warm air and some wonderfully kind people…and I quickly realized how unnecessarily complicated we human beings have made our lives.

Highlights – Every single meal (such good food!!), the evening walks through the village and letting go of that idea that I need to constantly be running around doing something ‘exciting’. Just being around good people and good food, while breathing in good air, brings far more joy and excitement than we tend to realize.

SERBIA

When you’re only 30 minutes from the border with Serbia, it’s worth going across for a weekend trip. And so off we went, spending a couple of nights in Belgrade. I enjoy visiting Belgrade. I can’t quite pinpoint what it is that I like but the big city has a welcoming, laid-back atmosphere along with nice markets, decent food, parks and quaint neighborhoods, great nightlife and a very livable feel. Again, it’s hard for me to give specifics but I’ve just had an overall positive experience during my two visits to this city.

Highlights (Belgrade) – The long walk that leads from the Belgrade Fortress at the edge of the Danube and Sava Rivers, up the bustling Knez Mihailova pedestrian street, through the Skadarlija neighborhood with it’s old-style restaurants, cafes and bars and then twisting through the residential streets heading east until you reach the Pijaca Kalenić Farmer’s Market. There’s lots of historical sights along the way and the Nikola Tesla Museum as well.

Accommodation (Belgrade) – Centar Guesthouse – We thought this was a joke when we found it online. It seemed way too cheap for the extremely central location and seemingly good rooms. Turned out to be real. Simple, clean rooms with everything you need, modern bathrooms and less than 20 seconds walk from the main Republic Square, all for 35 Euros.

CZECH REPUBLIC

Our original plan was to spend 6 weeks in Prague but after getting a late start on our apartment search, there wasn’t much left for a good price and location. So we decided to simply stop here for 5 days en route to the Canary Islands instead. Anyway, Prague is popular, it’s beautiful, it’s one of those cities that definitely needs to be seen. Of course, we spent some time checking out the major sights – the castle, the cathedrals, the old town, Wenceslas Square and so on – but it turned out to be the time we spent away from those places that really stuck in our minds.

Highlights (Prague) – An evening out with friends in the vibrant Vinohrady neighborhood and our afternoon wander to Vyšehrad, an old fortress in the south part of the city along the Vltava River. While it might not be as well-known as other landmarks in the city, it makes for a great afternoon excursion. Walking all over the hilltop site allows you to escape from the massive crowds of tourists and the noise of the old town, while still soaking up some interesting history (check out The Basilica of St. Peter and St. Paul) and great views over the city.

SPAIN

That brings me to Spain. Technically, I’m in Spain, although, not on the mainland. I’m in Las Palmas de Gran Canaria in the Canary Islands. And since Prague didn’t work out as a long-term destination, Gran Canaria took that role instead. So far, I’d say this was definitely the right decision. Not only is Gran Canaria full of really awesome things to do and see – mountains, villages, beaches, sand dunes, hiking trails, remote national parks, surfing and more – but Las Palmas is one of the most livable cities I’ve ever been to. For a fraction of what it costs to live in most countries in Europe, you get perfect weather, a laid-back island lifestyle, excellent Spanish food, a large international community of travelers, digital nomads and expats and no shortage of activities and events to join. With two weeks left of our stay here, we already understand why so many people claim this island to be one of the most ideal places to hang out in Europe!

Highlights – The ridiculously gorgeous drive we did the other day. We went from Las Palmas to the Point of Galdar, over to the picturesque towns of Agaete and Puerto de las Nieves, and then way up into the mountains. We drove along narrow, cliffside roads that took us on a several hour, remote adventure that, apart from being a death-defying experience, offered some of the most impressive scenery I’ve seen in a long, long time. I genuinely can’t wait to explore some more.

So, thank you Europe. It’s been a most rewarding year and I look forward to visiting more of you in 2018. Countries such as Poland, Denmark and Belarus are high up on the list!

Did you visit Europe this year? Are you planning a trip to any countries in Europe, maybe next year? Any questions?