Introducing the New eBay "Buyer's Credit" Program.

In an effort to compete with more 'traditional' shops, eBay has started to offer finance agreements though PayPal for expensive items. This means that, if the seller decides to offer it, you can now spread the cost of an item into affordable monthly payments.

This is good for buyers, good for sellers, and good for eBay. Buyers can get the kind of credit agreements they're used to in shops. Sellers can make their items more attractive to buyers who might not have all the money then and there, but eBay still pays the sellers upfront - they don't have to wait to be paid each month or anything like that. Buyers make their monthly payments to PayPal's credit provider instead.

The APR of the Buyer's Credit program is currently 12.9%. You can pay back $999 or more over 12 months, or $1,999 or more over 24 months. There are also interest-free options for purchases of $199 or more over 3, 6 or 12 months.

The reason why some of these credit offers sound better than others is that it is up to the seller to decide how good the credit offer should be and pay extra to PayPal to offer it. To give their buyer the best promotion, for example, of no interest for twelve months, the seller must pay 3.75% of the item's cost to PayPal.

Basically, this means that sellers pay less when the buyers pay interest, and sellers pay the cost of the interest on the interest-free offers. PayPal makes its interest either way, buyers are happy to get credit, and sellers are happy to sell more.

Can I Get This Credit?

On items over $199, Buyer's Credit is now being automatically offered to buyers in the USA only. Just click the link when you buy something for more than $199 and you will be taken through the application process, which includes a 30-second check on your credit history. Then you just go through the buying process as normal, and you get your item before you've paid a penny.

Why are eBay Offering This?

eBay say they want to "level the playing field", to allow eBay businesses to compete with the big chain stores, and they also want to promote PayPal as a payment method. Relatively few buyers can afford the more expensive items on eBay all at once, and so the introduction of Buyer's Credit seems likely to significantly increase prices and sales at the higher end of the market.

It is worth noting that you can use Buyer's Credit anywhere PayPal is accepted, not just on eBay. PayPal say it's "like a credit card - minus the card!" You don't get a card number - you can pay with credit with just your email address and password.

The only thing left to do now, then, is find the best deal for that really special item - the expensive thing you've been wanting for ages but could never afford. But how can you be sure you're getting the best price? Try our tips and tricks for eBay searching, in the next email.

Tips and Tricks for Using eBay Search.

If you know what you're doing, you can quickly find what you're looking for on eBay. Here are a few golden rules.

Be specific: If you're searching for the first edition of the original Harry Potter book, you'll get further searching for 'harry potter rowling philosopher's stone first edition' than you will searching for 'harry potter'. You'll get fewer results, but the ones you do get will be far more relevant.

Spell wrongly: It's a sad fact that many of the sellers on eBay just can't spell. Whatever you're looking for, try thinking of a few common misspellings - the chances are that fewer people will find these items, and so they will be cheaper.

Get a thesaurus: You should try to search for all the different words that someone might use to describe your item, for example searching for both 'TV' and 'television', or for 'phone', 'mobile' and 'cellphone'. Where you can, though, leave off the type of item altogether and search by things like brand and model.

Use the categories: Whenever you search, you'll notice a list of categories at the side of your search results. If you just searched for the name of a CD because you want to buy that CD, you should click the 'CDs' category to just look at results in that category. Why bother looking through a load of results that you don't care about?

Don't be afraid to browse: Once you've found the category that items you like seem to be in, why not click 'Browse' and take a look through the whole category? You might be surprised by what you find.

Few people realise just how powerful eBay's search engine is - a few symbols here and there and it'll work wonders for you.

Wildcard searches: You can put an asterisk (*) into a search phrase when you want to say 'anything can go here'. For example, if you wanted to search for a 1950s car, you could search for 'car 195*'. 195* will show results from any year in the 1950s.

In this order: If you put words in quotes ("") then the only results shown will be ones that have all of the words between the quote marks. For example, searching for "Lord of the Rings" won't give you any results that say, for example "Lord Robert Rings".

Exclude words: Put a minus, and then put any words in brackets that you don't want to appear in your search results. For example: "Pulp Fiction" -(poster,photo) will find items related to Pulp Fiction but not posters or photos.

Either/or: If you want to search for lots of words at once, just put them in brackets: the TV example from earlier could become '(TV,television)', which would find items with either word.

So once you've found your bargain item, bid for it and won it, what if it all goes wrong? Don't worry - eBay has a thorough dispute resolution procedure, and we'll cover it in some depth in the next article, so you'll be prepared if the worst happens.

When Things Go Wrong: How to Resolve eBay Disputes.

eBay has quite an intricate and long-winded dispute resolution procedure. In this email, I'll try to break each step down for you, so you can see what's involved and how long it takes.

As an example, let's go through what you would do if you paid for an item but didn't receive it from the seller.

Before you open a dispute: Give the seller a chance to send the item before you get ahead of yourself and open a dispute. If you're concerned about how long the item is taking to arrive, the first thing you should do is send a polite email to the seller saying that you haven't received it and asking whether they have posted it. You should also check your own email address in eBay's options, to make sure that the seller can reply to you. As a last resort before opening a dispute, you should try to call the seller on the number eBay has for them. You might have to pay long-distance charges for the call, but that's better than dragging the auction through mediation for months.

Step 1 - You open an Item Not Received dispute: You can do this here: http://feedback.ebay.com/ws/eBayISAPI.dll?InrCreateDispute.

All you need to do is enter the item number and say that you did not receive the item.

Step 2 - eBay contacts the seller: eBay sends the seller an email that tells them that you've said you didn't receive the item. Then can then choose to tell you one of three things: that your payment hasn't cleared yet, that the item is in the post, or that they'll give you your money back. The seller can also tell eBay that they would like to send you a message.

Step 3 - You talk to the seller: You try to work out what's happened directly with the seller, sending messages back and forward. Hopefully they'll agree to give you a refund for the sake of their feedback, or your item will turn up in the post during this time.

Step 4 - Closing the dispute: After 30 days (or 10 days if the seller didn't respond), you have two options to close the dispute: either you were satisfied or you weren't. If you weren't satisfied, then you can claim under eBay's purchase protection program for up to $200.

Independent Dispute Mediation.

If you don't want to go through eBay's own process, and especially if the auction was for a high-value item, then you can use a third-party mediator. eBay recommend SquareTrade, at www.squaretrade.com, who provide mediation to many websites where there are buyers and sellers. They will contact the seller on your behalf and then mediate as you negotiate what to do from there.

Sellers who are committed to going through SquareTrade's mediation for any disputes can sign up to display the 'SquareTrade seal' on their auctions. This gives their buyers $250 fraud protection, and shows that their identity has been independently verified so they are who they say they are.

When your sellers aren't in such good standing, though, you need to be careful to avoid being a victim of fraud. There are a few scams that you especially need to look out for - we'll cover them in the next email.

Watch Out for eBay Automobile and Computer Scams.

There aren't that many scammers on eBay - but the ones there are tend to be greedy. This means that they will always try to pull their scams on high-value items like cars and computers, so that they can make a lot of money quickly. Since buyers generally buy these items very rarely, they may not know about the various scams out there.

Automobile Scams.

With cars, you will generally find that scammers try to get you to send them money in advance, for whatever reason. For some reason, some people aren't all that reluctant to pay 50% or 25% of the money before delivery using a relatively insecure payment method, especially on a car. They reason that the seller will obviously deliver it, as they'll want the other half of the money.

But there never was a car! Pictures of cars aren't hard to find, and the experienced scammers will have a whole library of pictures of different cars. The seller just got your $5,000 for nothing, and you can leave them all the negative feedback you like. They'll just go and open another eBay account and find their next sucker.

While it's not an outright scam, what you might find is that the car does turn up, but simply doesn't live up to the description - it has been oversold, in the tradition of used car dealers through the ages. If this happens to you then you should open an eBay dispute and say your item was not as described - you might get a partial refund.

Computer Scams.

If you bid in a computer auction but don't win, the seller might email you to ask whether you would like to buy a computer the same as the one they just sold through their own website.

This is a bad idea! You have no guarantee that the item will ever arrive, and you haven't just given them your money - you've given them your credit card details too.

There are sellers with nothing but positive feedback who use this scam often - and since you won't be able to leave them any feedback on the transaction, their reputation will stay that way. If you complain to eBay that you bought an item outside the site and got scammed, they will tell you to get lost and not do it again.

How to Beat the Scams.

There are lots of ways to beat the scams. First, whenever you buy anything expensive, be sure to check your seller's reputation thoroughly. Make sure they have sold items of a similar high value before, and haven't just sold a string of $10 items to get their feedback rating artificially high. If you want to be even more cautious, insist that the money is placed in an escrow service (eBay recommend escrow.com - don't use any other service unless you're sure of it).

To be honest, it's generally quite a bad idea to use eBay to buy things like cars and computers to begin with - you can get them anywhere, and the discounts aren't that big any more. It's better to use eBay for those rare, special things that you can't find anywhere else. The next email will give you some tips for buying collectibles.

Taking Advantage of "Slow" eBay Auctions.

Tips for Buying Collectibles on eBay.

Buying collectibles is one of the most enjoyable things to do on eBay, simply because you can find so many things that you just can't get anywhere else. Here are a few tips to help you on your way.

Find your Category.

You'll probably find that all the items you're after are listed in a single category. Add this category to your browser's Favorites, and keep coming back.

Look for Mistakes.

If you collect something, the chances are you know a lot about it. This can be your opportunity to make a mint from a seller's mistake. They might not realise that they have a rare version of an item, or they might have left off the key information that makes it valuable. If you're willing to email the seller and ask them a few questions about the item to confirm that it is what you think it is, then you should be able to buy items like these. You can then resell them at a big profit, if that's what you want to do.

Don't Always Believe Descriptions.

If you find something you haven't heard of, and the description calls it 'rare', don't assume that it actually is. Far too many sellers just put 'rare' into all of their descriptions - the chances are that the item is common and has just been described wrongly. Don't bid unless you know what you're buying.

Stalk Other Users.

When you collect something, you'll probably notice that there are four or five sellers who seem to come up with consistently good items - and the same buyers buying them. Add their user pages to your Favorites, and check back often to see what they've got - or what they're bidding on - that you might be interested in.

Don't Get Too Attached to an Auction.

There are millions of items being listed every day on eBay - whatever you want, it'll come around again, and if you don't get it there are plenty more things to buy. This is similar to the golden rule of negotiating: always be prepared to walk away. If you can't walk away, then expect to pay over the odds. There are few things so rare that another seller won't have one to sell. Go and bid in a lower-priced auction, instead of getting into a bidding war in one that is already expensive.

Beware of the Postage.

If you collect lots of small things with a relatively low value, you might end up paying as much for postage as you do for each item. You should take these costs into consideration when you make your bid. Another good strategy is to always buy a few things at once from the same buyer, as they will almost always offer you a discount on the postage.

When you're bidding, you might notice that some auctions go more slowly than others, going days at a time without any new bids. The next email tells you how to take advantage of these 'slow' auctions.

Taking Advantage of "Slow" eBay Auctions.

Some auctions get hundreds of bids, but some go much more slowly, getting only a few bids or even none at all for days. Auctions are generally much slower during the summer months than they are in the winter - and sales on eBay are slowing each year, as more sellers than buyers sign up, hoping to get rich quick. There are a number of ways that you can take advantage of slower auctions to get the best price.

Wait to Bid.

If you bid, then everyone can see you're interested - and that might make them interested too. Leaving the item alone for as long as you can bear will make it look less popular, and keep the price down so you can come in at the last minute and get a bargain.

Make an Offer.

If the seller is selling an item using 'Buy it Now' and it still hasn't sold when the auction is about to end, use eBay's 'Best Offer' service to make them an offer on it. The chances are they've listed the item two or three times before, and they'll be so annoyed at the prospect of re-listing it yet again that they'll accept your offer just to get rid of the thing.

Conspire with Other Buyers.

You might not have thought of this, but if there are two auctions for the same item and only you and one other buyer are bidding, why not get together and work out a 'you take this one and I'll take that one' deal? This avoids you raising the price on both auctions just to get one each. If you make a few friends, you can even work together on auctions long-term, taking it in turns to bid.

Be Snobbish.

Send the seller emails asking questions about the condition of the item, and making it very clear that you are a discerning buyer and will only accept things of the highest quality. This will make them feel better about selling you their item for less.

Don't Feel Guilty.

There really are too many sellers on eBay now, to the point where you can get common items at very low prices. Long-term, this will probably force those sellers out of business, but that's the way a market works - it's supply and demand.

Buy in Bulk.

When auctions are slow, many sellers will have had the same stock for a long time. If you offer to take ten things off their hands all at once then you can almost name your price - the chances are that they'll fall over themselves to give you a good deal. If you come back again and buy another ten items then they'll love you even more.

The longer you spend on eBay, the more experienced you'll become - and the greater the chances are that you'll stumble across an auction for something very odd, and quite unexpected. In the next email, you'll hear all about the strangest eBay items ever sold.

10 ways to start taking control (time management, goal setting, record tracking)

"Who's the Boss?"
At first glance, it would seem that positive thinking and Attention Deficit Disorder (ADD) have nothing to do with one another. But many of us with ADD develop negative thinking patterns because we become frustrated by our challenges and frequent feelings of being overwhelmed. This negative outlook then makes it even harder for us to manage those challenges and move forward.

Practicing positive thinking allows people with ADD to focus on our strengths and accomplishments, which increases happiness and motivation. This, in turn, allows us to spend more time making progress, and less time feeling down and stuck. The following tips provide practical suggestions that you can use to help you shift into more positive thinking patterns:

1. Take Good Care of Yourself
It's much easier to be positive when you are eating well, exercising, and getting enough rest.

2. Remind Yourself of the Things You Are Grateful For
Stresses and challenges don't seem quite as bad when you are constantly reminding yourself of the things that are right in life. Taking just 60 seconds a day to stop and appreciate the good things will make a huge difference.

3. Look for the Proof Instead of Making Assumptions
A fear of not being liked or accepted sometimes leads us to assume that we know what others are thinking, but our fears are usually not reality. If you have a fear that a friend or family member's bad mood is due to something you did, or that your co-workers are secretly gossiping about you when you turn your back, speak up and ask them. Don't waste time worrying that you did something wrong unless you have proof that there is something to worry about.

4. Refrain from Using Absolutes
Have you ever told a partner "You're ALWAYS late!" or complained to a friend "You NEVER call me!"? Thinking and speaking in absolutes like 'always' and 'never' makes the situation seem worse than it is, and programs your brain into believing that certain people are incapable of delivering.

5. Detach From Negative Thoughts
Your thoughts can't hold any power over you if you don't judge them. If you notice yourself having a negative thought, detach from it, witness it, and don't follow it.

6. Squash the "ANTs"
In his book "Change Your Brain, Change Your Life," Dr. Daniel Amen talks about "ANTs" - Automatic Negative Thoughts. These are the bad thoughts that are usually reactionary, like "Those people are laughing, they must be talking about me," or "The boss wants to see me? It must be bad!" When you notice these thoughts, realize that they are nothing more than ANTs and squash them!

7. Practice Lovin', Touchin' & Squeezin' (Your Friends and Family)
You don't have to be an expert to know the benefits of a good hug. Positive physical contact with friends, loved ones, and even pets, is an instant pick-me-up. One research study on this subject had a waitress touch some of her customers on the arm as she handed them their checks. She received higher tips from these customers than from the ones she didn't touch!

8. Increase Your Social Activity
By increasing social activity, you decrease loneliness. Surround yourself with healthy, happy people, and their positive energy will affect you in a positive way!

9. Volunteer for an Organization, or Help another Person
Everyone feels good after helping. You can volunteer your time, your money, or your resources. The more positive energy you put out into the world, the more you will receive in return.

10. Use Pattern Interrupts to Combat Rumination
If you find yourself ruminating, a great way to stop it is to interrupt the pattern and force yourself to do something completely different. Rumination is like hyper-focus on something negative. It's never productive, because it's not rational or solution-oriented, it's just excessive worry. Try changing your physical environment - go for a walk or sit outside. You could also call a friend, pick up a book, or turn on some music.

When it comes to the corporate world, protocol is pretty much the religion. To know the things needed to do are the basics of productivity, but interaction and having a steady mind makes up the entire thing to true productivity. There are those who seem to work well even under pressure, but they're uncommon ones and we are human and imperfect. To get these little things like stress under our skins won't solve our problems. Sometimes it takes a bit of courage to admit that we're turning to be workaholics than tell ourselves that we're not doing our best.