Credit Card Payment - Safest Way to Purchase Online

When you want to purchase any product through online, then you need to chose the safest way to pay the money for sellers. Generally most of the people prefer to make payment through the credit card or charge card. We can say credit card payment is the safe way to pay the money to seller over the internet.

Reasons why credit card payment is safer:
If you do not get the goods on time or if you are not satisfied with product, then you want to return it then and there, so that you can dispute the seller's charges. You can get dispute charges to your credit card, if all the following are true, under the federal Fair Credit Billing Act.

• You need to make the fair attempt to solve the dispute with the seller or retailer.
• An amount of $50 or more need to be involved in the dispute.
• You need to arise a dispute with in the state of your credit billing address, or within the 100 miles of your address.

Other benefits:

• You can save the money when you pay the money by credit card. Generally you keep the payment amount in the bank account, then you can get interest till your credit card bill is due for those payments which comes form sellers.
• Some of the credit card issuers provide some warranties or other advantages to the customers who make the purchases with credit card.

You will be protected by unauthorized use of credit card. You need to check the statements of credit cards when you get and if there is any irregularities then you should inform to issuer of the credit card by telephone or in writing immediately.

Online Shopping Safety Tips

It is easy to purchase any product or item through online. But some problems, arise due to online shopping, such as possibility of fraud and lack of privacy and security. So you need to be careful while purchasing online. There are few tips to follow while online purchasing, such as:

Know about Merchant: It is better to know about name and reputation of the seller, or store or company, before purchase any thing. Find the information from Internet news sources, directories and rating services about online companies. Get the information from buyers' guides, lists of tips, links to helpful resources from website which is maintained by the Federal Trade Commission.

Know about secured websites: Generally the Secure Socket Layer technology is used by many online shopping sites to encrypt the credit card information, which you send through the World Wide Web. So you need to check the security through the web address when you are asked the credit card information.. A secured website starts with “https:” instead of “http:”.

You can also check the security through different methods like :

• There is an icon of a lock visible in the status bar.
• Icon of locked padlock symbol is visible on the bottom of the screen.
• There is an icon of an unbroken key visible at the bottom of the screen.

Know about privacy policy: You should be careful while giving confidential information, like Social Security number, credit card number, etc. These information must be given only to the websites which are successful in maintaining privacy policies.

Pay by credit card: It is better to pay using credit cards instead of using check, cash or debit card, etc. Because your liability is limited to 50 dollars under the federal law, if you have any unauthorized charge on your credit card.

These are the tips, which may help you to have the safe online purchase. You will be safe from fraud.

How to Encourage Children to Gain Interest in Science

Science is one of the subjects in schools. Children can enjoy and are motivated towards science by few ways like reading about science, exploring the world outside, watching a science video, etc. If cool science experiments are provided to children and when they made to play them, they start loving science more. There are few tips to encourage the children about science, such as:

Ask questions: First you ask the questions to them. Let them know the answers by doing some experiment. On finishing their experiment further questions can be asked. You can ask the questions about their physical experiment or ask about why things happen.

Encourage for experiments: You need to give chance to children to perform some experiments at home. You may get ideas about science experiments by using book or science course. Find some science books, which may be of interest to your children. Show them the experiment instructions on video, children may love watching it.

Encourage mess: You need to accept and even encourage mess, if you want children to do the experiments. You can set up some boxes for science experiments to keep all type of odds and ends. You need to create a science corner and fill it with experiment books, all the materials and table to perform some experiment. Rubber bands, straws, pipe cleaners, papers clips, balloons, popsicle sticks, etc will be needed.

Allow for mistakes: There is no guarantee that every science experiment works perfectly. If any experiment fails then ask them what did they learn from that. Encourage them to do it perfectly the next time.

In this way you can encourage your children to get an interest about science and science experiments.

Factors That Effect the Construction Insurance Policy Costs

Construction insurance provides coverage for destruction or damage of structures during construction. Construction insurance protect the insured from financial expenditure. Materials can be protected by the construction insurance which are purchased for construction. So it is important to take the construction insurance to get protection from risk.

Final rates can be effected by the number factors and Insurance company. The company or individual of the construction has no control over the base rate which is used by the insurer. For each risk classification base rates act as benchmark premium rates. This base rate is taken on basis of the general experience in that area and specific location and type of the construction, purpose of the building and size of the building.

This base rate is changed on the basis of certain other criteria, that final rate is influenced by the insured. Insured can influence to reduce the rate which is quoted by insurer. Best rate will be quoted by insurer when they get the detailed underwriting information.

Insurer will help the insured when he has:

Harmless agreement: Insured can be helped by holding the harmless agreement to reduce the responsibility for any risk. That risk may be due to loss or fault of sub contractor.

Certificates of insurance from sub-contractors: Getting insurance coverage certificates of sub-contractor will reduce the risk of insured in any fault or loss by sub-contractor.

Errors and omissions professional liability insurance coverage: Architects or designers may commit some errors or omissions on the project, then E&O professional liability insurance minimizes the insured' s risk.