All the news items you see in print or on television are about consumers.  No one talks about the hit the seller takes when the consumer returns the product, or claims they never received something and they did, they just don’t want to pay for it.

To give you some insight on how the process works; when a business takes credit cards, they pay for that privilege. The credit card companies (Visa, MasterCard, American Express, Discover) charge us a fee for taking their cards. Then the company we have our account with charges us for this privilege. When a customer uses a card card, we have to wait for the money to be transferred to our account. This can take anywhere from 2-8 days. Meanwhile, the customer has the product. When a customer returns a product, we are charged again by the credit card company and the company we have our account with.  If a customer claims they didn’t receive the product when they did and dispute the charge, again we are charged a fee and we lose the money we paid for the product.

Now, I am not saying if a product is inferior or not as advertised you should not return it. That is not the point of this article.  It is about customers who victimize businesses.

Too many consumers think it is great fun to order products, and then ask for a refund. Many people do this around New Year’s to clothing stores. They buy it, wear it and then return it. My opinion, but I think this is downright criminal. This is only one example of where this happens, there are many others. Too bad, we couldn’t all be like the bookstores, you buy it, you keep it.  Another thing that consumers do, is say they never received the item when they did. Again, the business loses.

A practice that is becoming very prevalent with on-line e-products is to go on line, order it, copy it, and then decide that they “don’t like it”, “it’s not what they thought”, you name it, they have an excuse.

I think that all of these people should have to run a business of their own with a merchant account, and then see how they like it done to them.

Newsflash, Mr. and Mrs. Consumer, you are hurting your local businesses, not the credit card companies. These people are your neighbors, in some cases your friends. Although, with friends like you, who needs enemies.

So, while yes there are businesses that are ripping off the CONSUMER, it’s the BUSINESS PERSON who is getting ripped off also!

Hopefully, this article will enlighten those of you that think it’s just the credit card companies losing out. It’s not, it’s the businesses you use that are, your friends, your neighbors, your local economy!

Copyright 2004 DeFiore Enterprises

Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses. No time to visit the site? Subscribe to our "how to" Home Business Solutions Digest, it's like having your own personal coach: The Vision Story; Step One of a Successful Change Initiative There was a time before the recession when you didn’t have to analyze precisely what parts of your leadership message worked. Whatever you were saying seemed to get the job done; a PPT presentation full of facts, statistics and quotes. Perhaps you have been called to action with a company memo or a training mandate. Change initiatives were launched from above yet when the dust settled after the wagon train pulled out, the flame ebbed until an emissary was sent to puff on the embers. These were rational approaches, however, not very creative.The disruptive changes of the new economy requires something different. Change can no longer be imposed, it must be facilitated. A strategy has emerged that persuasively delivers the content of dry analysis, linking it together into a compelling illustration of your goals for the future; Storytelling.Why this tactic? Persuading people to act in unfamiliar and uncomfortable ways as they navigate through the transformation you require has become the centerpiece of business activity today. Jobs, if they weren’t eliminated, are condensed. As a leader, you are faced with the task of making your point succinctly in minutes, not days. The content of your message must be replayed in the recipients and retold to others. Successful change relies on a work culture aligned with your mission, and armed with enough enthusiasm and clarity to influence each other in your absence.The PurposeThe purpose of any story in business development is to establish trust between uct, or claims they never received something and they did, they just don’t want to pay for it. To give you some insight on how the process works; when a business takes credit cards, they pay for that privilege. The credit card companies (Visa, MasterCard, American Express, Discover) charge us a fee for taking their cards. Then the company we have our account with charges us for this privilege. When a customer uses a card card, we have to wait for the money to be transferred to our account. This can take anywhere from 2-8 days. Meanwhile, the customer has the product. When a customer returns a product, we are charged again by the credit card company and the company we have our account with.  If a customer claims they didn’t receive the product when they did and dispute the charge, again we are charged a fee and we lose the money we paid for the product. Now, I am not saying if a product is inferior or not as advertised you should not return it. That is not the point of this article.  It is about customers who victimize businesses. Too many consumers think it is great fun to order products, and then ask for a refund. Many people do this around New Year’s to clothing stores. They buy it, wear it and then return it. My opinion, but I think this is downright criminal. This is only one example of where this happens, there are many others. Too bad, we couldn’t all be like the bookstores, you buy it, you keep it.  Another thing that consumers do, is say they never received the item when they did. Again, the business loses. A practice that is becoming very prevalent with on-line e-products is to go on line, order it, copy it, and then decide that they “don’t like it”, “it’s not what they thought”, you name it, they have an excuse. I think that all of these people should have to run a business of their own with a merchant account, and then see how they like it done to them. Newsflash, Mr. and Mrs. Consumer, you are hurting your local businesses, not the credit card companies. These people are your neighbors, in some cases your friends. Although, with friends like you, who needs enemies. So, while yes there are businesses that are ripping off the CONSUMER, it’s the BUSINESS PERSON who is getting ripped off also! Hopefully, this article will enlighten those of you that think it’s just the credit card companies losing out. It’s not, it’s the businesses you use that are, your friends, your neighbors, your local economy! Copyright 2004 DeFiore Enterprises Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses. No time to visit the site? Subscribe to our "how to" Home Business Solutions Digest, it's like having your own personal coach: Personalized Postage Stamps A personalized stamp is a postage stamp to which a member of the community or some non-governmental entity can add a picture or photograph. This concept was initiated by the United States, on trial basis, for about six weeks.Since, its inception, personalized stamps were declared a success and an estimated 100,000 sheets or 2 million individual stamps were ordered in the first few weeks of the market test. The stamps that were produced during those weeks remain valid, according to some companies.Unfortunately, certain individuals pushed the scheme to its limits and personalized postage stamps were banned. Internet pranksters ordered stamps of controversial figures, which created opposition from various sections of the society. Hence, people could no longer use the images of their dogs, babies, and outlaws on the stamps. Following this ban photo stamps programs came to a standstill all over the U.S.Companies that were printing personalized stamps had requested citizens to write to the US Postal service to renew the program of personalized stamps. Residents also wanted the personalized stamps to be back on the scene; hence, several handwritten mails and requests reached the U.S. Postal Service.The following year, the U.S.P.S. once again announced the legalization of personalized stamps; the second phase of the experiment commenced. The second phase was to be taken into consideration, but for one more year only. It was to be seen whether the second phase would get as much response as the earlier o and we lose the money we paid for the product. Now, I am not saying if a product is inferior or not as advertised you should not return it. That is not the point of this article.  It is about customers who victimize businesses. Too many consumers think it is great fun to order products, and then ask for a refund. Many people do this around New Year’s to clothing stores. They buy it, wear it and then return it. My opinion, but I think this is downright criminal. This is only one example of where this happens, there are many others. Too bad, we couldn’t all be like the bookstores, you buy it, you keep it.  Another thing that consumers do, is say they never received the item when they did. Again, the business loses. A practice that is becoming very prevalent with on-line e-products is to go on line, order it, copy it, and then decide that they “don’t like it”, “it’s not what they thought”, you name it, they have an excuse. I think that all of these people should have to run a business of their own with a merchant account, and then see how they like it done to them. Newsflash, Mr. and Mrs. Consumer, you are hurting your local businesses, not the credit card companies. These people are your neighbors, in some cases your friends. Although, with friends like you, who needs enemies. So, while yes there are businesses that are ripping off the CONSUMER, it’s the BUSINESS PERSON who is getting ripped off also! Hopefully, this article will enlighten those of you that think it’s just the credit card companies losing out. It’s not, it’s the businesses you use that are, your friends, your neighbors, your local economy! Copyright 2004 DeFiore Enterprises Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses. No time to visit the site? Subscribe to our "how to" Home Business Solutions Digest, it's like having your own personal coach: 4 Great Tips To Ensure You Make The Most From Your Business Telecommunication Services Business telecommunication services are essential to any business- start up or established for years. However, business telecommunication services are often ignored by owners and decision-makers because they don't make up the core activities of their business. The purpose of this article is to help business owners and decision-makers make effective decisions to ensure that business telecommunication services are delivered cost-effectively and also proactively benefit business activities.1. Understand your plans Service providers offer many plans which all have different features and options. Make sure you understand the bonuses available with your plans. For example, a large fleet of mobile phones may benefit from free calls between the fleet, or if you call a few numbers a lot, look for a plan that offers free or discounted calls to nominated numbers.2. Consider switching to a VoIP service Voice over Internet Protocol has been the new buzzword on telecommunications for some time now, and improved technology means that there can be huge savings for your business. VoIP basically means that your business telecommunication services are provided over your internet service, instead of having a separate internet connection and landline connection.3. Upgrade your technology to increase return on investment Research in Motion, the company that brought us blackberry, have commissioned studies which show how investing in the blackberry service has increased the productivity of businesses. You do n line, order it, copy it, and then decide that they “don’t like it”, “it’s not what they thought”, you name it, they have an excuse. I think that all of these people should have to run a business of their own with a merchant account, and then see how they like it done to them. Newsflash, Mr. and Mrs. Consumer, you are hurting your local businesses, not the credit card companies. These people are your neighbors, in some cases your friends. Although, with friends like you, who needs enemies. So, while yes there are businesses that are ripping off the CONSUMER, it’s the BUSINESS PERSON who is getting ripped off also! Hopefully, this article will enlighten those of you that think it’s just the credit card companies losing out. It’s not, it’s the businesses you use that are, your friends, your neighbors, your local economy! Copyright 2004 DeFiore Enterprises Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses. No time to visit the site? Subscribe to our "how to" Home Business Solutions Digest, it's like having your own personal coach: How to Start a Nursing Agency Business Put Your Investments on the Right track!Starting a business is not as complicated as it seems. In fact, all you really need to get started is a positive attitude, and the desire to be self employed! The supply of something that's in demand, and money. For now let's focus on the second component of having a business, what's in demand?There is a continual need for nurses in this country as evident should you come across the health care classified sections of your local newspaper. And this will continue to grow as at the aging population continues to increase. needless to say, the medical field is a one. Therefore, careers related to the field are sure to be worthwhile.So what do nurses have to do with starting a business? As described above, nurses are in demand. The need for their skills is increasing, but the supply of nurses seems to be decreasing. As a result of this dilemma, companies are trying their best to seek out nurses, offering various incentives to attract employees. Starting a nursing agency would put you in demand. Why? Because you have what the companies need.You don't have to be a Nurse to Start a Nursing Agency! Nursing Shortage Solution's How to Start a Nursing Agency Startup Guide is the most efficient, powerful, and complete Solution to Nursing Shortage!Hospitals around the world has a nursing shortage, and this promises to grow at alarming proportions. Far too many nurses are retiring, and too few are entering the profession. To compound the problem, within the nex ds, your neighbors, your local economy! Copyright 2004 DeFiore Enterprises Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit http://www.homebusinesssolutions.com for the latest FREE tips and tricks, educational products and coaching in creative real estate investing and home based businesses. No time to visit the site? Subscribe to our "how to" Home Business Solutions Digest, it's like having your own personal coach: mailto:subscribeHBS@homebusinesssolutions.com Article Source: http://EzineArticles.com/?expert=Sue_And_Chuck_DeFiore Other Recent EzineArticles from the Business: Category: Rallying the Troops - Keys to Not-for-Profit Management Success A Fast Look of Albanian Oligharcs What Adolf Hitler Taught Me About Multi Level Marketing (MLM) Playing Games Of Wealth How to Select the Right Construction Equipment How To Start Your Own Export Business Psychometric Testing Shows How You Will Fit In Tips On How To Start An Import Business Home-Based Businesses - Tax Deductions For Your Home-Based Business Obese Workers Have More Injuries Square Peg in a Round Hole - Being a Creative Artist in the Corporate World Free Personal Grants Free Grant Information HTTP = HTML link (for blogs, profiles,phorums): <a href="http://www.addyou.info/article/5160/addyou-Whos-Ripping-Off-Whom.html">Who's Ripping Off Whom</a> BB link (for phorums): [url=http://www.addyou.info/article/5160/addyou-Whos-Ripping-Off-Whom.html]Who's Ripping Off Whom[/url] Related Articles: Golf Course Designers - How to Choose an Architect to Design Your Golf Course Are you a Golf Course Owner or Golf Course Superintendent, looking to design or re-design a golf course? 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