Dreamweaver settings for MySite:
Local Info-
Site name: your choice
Local root folder: your choice
http address: http://mysite.thebeaconinstitute.com
Web Server Info-
Server Access: FTP
FTP Host: mysite.thebeaconinstitute.com
Server Directory:
Login: username
Password: password
Try to connect and report any errors or problems to me. I've been
able to connect consistently and after some login problems last
night, they should be all fixed. Please give it a try so we can find
any errors stil remaining on the site.
Dan
Tuesday, July 10, 2001
Date: Thu Feb 8, 2001 11:25 pm
Subject: Visual Search Engine
All,
Here's an interesting new Search Engine: http://www.searchshots.com
Check it out.
Dan
Subject: Visual Search Engine
All,
Here's an interesting new Search Engine: http://www.searchshots.com
Check it out.
Dan
Date: Tue Feb 6, 2001 5:01 pm
Subject: Amazon Honor System
Amazon has started a new voluntary payment/donation system for small
websites. They charge .15 cents plus 15% per payment/donation. This
could be a help for small charitable groups.
More information:
http://s1.amazon.com/exec/varzea/subst/fx/home.html
Subject: Amazon Honor System
Amazon has started a new voluntary payment/donation system for small
websites. They charge .15 cents plus 15% per payment/donation. This
could be a help for small charitable groups.
More information:
http://s1.amazon.com/exec/varzea/subst/fx/home.html
Date: Mon Feb 5, 2001 7:47 pmSubject: Computer-mad generation has a memory crash
From: http://www.sunday-times.co.uk/news/pages/sti/2001/02/04/stinwenws01005.html
February 4 2001
Computer-mad generation has a memory crash
Cherry Norton and Adam Nathan
BRITAIN - GROWING numbers of people in their twenties and thirties
are suffering from severe memory loss because of increasing reliance
on computer technology, according to new research.
Sufferers complain they are unable to recall names, written words or
appointments, and in some cases have had to give up their jobs.
Doctors are blaming computer technology, electronic organisers and
automatic car navigation systems. They claim these gadgets lead to
diminished use of the brain to work out problems and
inflict "information overload" that makes it difficult to distinguish
between important and unimportant facts.
A preliminary study of 150 people aged 20 to 35 has shown that more
than one in 10 are suffering from severe problems with their memory.
Researchers from Hokkaido University's school of medicine in Japan
said the memory dysfunction among the young required further
investigation.
"They're losing the ability to remember new things, to pull out old
data or to distinguish between important and unimportant information.
It's a type of brain dysfunction," said Toshiyuki Sawaguchi, the
university's professor of neurobiology. "Young people today are
becoming stupid."
One high-flying 28-year-old salesman treated by Dr Sawaguchi was
forced to give up his job when he found himself forgetting where he
was going, who he was supposed to be seeing or, when he finally got
there, what he was selling.
Although no formal studies have been undertaken in Britain, experts
are increasingly recognising the problem. Professor Pam Briggs of
Northumbria University, who recently chaired a British Psychological
Society symposium on the effects of technology, said: "I think
increased use of the internet and computer technology is starting to
have an effect. Everyday memory might be at threat if you are using
the computer as a kind of external memory."
Dr Takashi Tsukiyama, who runs a private clinic in Tokyo, said he had
seen an increase in severe memory problems. "In the past two years,
more people in their twenties and thirties have presented themselves
with memory impairment," he said.
One sales assistant aged 28 said she suddenly found herself unable to
recall written words and was dismissed from her job. "Ageing affects
the brain's hardware, but errors may occur in the brain's 'software'
that have nothing to do with age but are related to someone's
lifestyle, such as not using your brain enough," said Tsukiyama.
Dr David Cantor, director of the Psychological Services Institute in
Atlanta, Georgia, who has treated patients for memory and attention
problems for more than 20 years, said: "Many experts believe
information overload is making it difficult for some people to absorb
new information, as they have reached a limit of what they can store
in their brains. These people forget things because they were too
distracted to absorb them in the first place."
From: http://www.sunday-times.co.uk/news/pages/sti/2001/02/04/stinwenws01005.html
February 4 2001
Computer-mad generation has a memory crash
Cherry Norton and Adam Nathan
BRITAIN - GROWING numbers of people in their twenties and thirties
are suffering from severe memory loss because of increasing reliance
on computer technology, according to new research.
Sufferers complain they are unable to recall names, written words or
appointments, and in some cases have had to give up their jobs.
Doctors are blaming computer technology, electronic organisers and
automatic car navigation systems. They claim these gadgets lead to
diminished use of the brain to work out problems and
inflict "information overload" that makes it difficult to distinguish
between important and unimportant facts.
A preliminary study of 150 people aged 20 to 35 has shown that more
than one in 10 are suffering from severe problems with their memory.
Researchers from Hokkaido University's school of medicine in Japan
said the memory dysfunction among the young required further
investigation.
"They're losing the ability to remember new things, to pull out old
data or to distinguish between important and unimportant information.
It's a type of brain dysfunction," said Toshiyuki Sawaguchi, the
university's professor of neurobiology. "Young people today are
becoming stupid."
One high-flying 28-year-old salesman treated by Dr Sawaguchi was
forced to give up his job when he found himself forgetting where he
was going, who he was supposed to be seeing or, when he finally got
there, what he was selling.
Although no formal studies have been undertaken in Britain, experts
are increasingly recognising the problem. Professor Pam Briggs of
Northumbria University, who recently chaired a British Psychological
Society symposium on the effects of technology, said: "I think
increased use of the internet and computer technology is starting to
have an effect. Everyday memory might be at threat if you are using
the computer as a kind of external memory."
Dr Takashi Tsukiyama, who runs a private clinic in Tokyo, said he had
seen an increase in severe memory problems. "In the past two years,
more people in their twenties and thirties have presented themselves
with memory impairment," he said.
One sales assistant aged 28 said she suddenly found herself unable to
recall written words and was dismissed from her job. "Ageing affects
the brain's hardware, but errors may occur in the brain's 'software'
that have nothing to do with age but are related to someone's
lifestyle, such as not using your brain enough," said Tsukiyama.
Dr David Cantor, director of the Psychological Services Institute in
Atlanta, Georgia, who has treated patients for memory and attention
problems for more than 20 years, said: "Many experts believe
information overload is making it difficult for some people to absorb
new information, as they have reached a limit of what they can store
in their brains. These people forget things because they were too
distracted to absorb them in the first place."
From: "M.F. Pena"
Date: Mon Feb 5, 2001 5:12 pm
Speaking about security in the internet, check out this site,
https://grc.com/x/ne.dll?bh0bkyd2it checks if your computer can be accessed
from the internet, I have installed ZoneAlarm in my laptop, and according to
this site my laptop seems to be impenetrable. just yesterday there was a kid
from Korea scanning my ports looking for port 111 (Sun's Remote Procedure
call port)
Date: Mon Feb 5, 2001 5:12 pm
Speaking about security in the internet, check out this site,
https://grc.com/x/ne.dll?bh0bkyd2it checks if your computer can be accessed
from the internet, I have installed ZoneAlarm in my laptop, and according to
this site my laptop seems to be impenetrable. just yesterday there was a kid
from Korea scanning my ports looking for port 111 (Sun's Remote Procedure
call port)
Date: Mon Feb 5, 2001 4:30 pm
Subject: JavaScript eMail snooper.
A Trick to Snoop on E-Mail February 5, 2001; By AMY HARMON
For those still harboring the illusion that e-mail exchanges are
private, a watchdog group has uncovered a new trick that enables
someone to essentially bug an e-mail message so that the spy would
be privy to any comments that a recipient might add as the message
is forwarded to others or sent back and forth.
The maneuver does not take advantage of any security flaw in
e-mail software. It is simply one feature of a fancier and
increasingly common form of e-mail known as HTML mail, which
enables users to send and receive e-mail messages that look and act
like a Web page.
With the spying technique, a few lines of a programming language
called JavaScript, often used on Web sites to create pop-up windows
and navigational aids, can be embedded in such a message. This
implant, not visible to the recipient, enables the text to be
secretly returned to its original sender every time it is forwarded
to another recipient, as long as the recipients' e-mail programs
are set up to read JavaScript.
Although HTML e-mail often includes images and animations, it can
also be made to look like a plain text e-mail. To figure out
whether a message is HTML or text, a user can right-click on the
message body. If one of the menu choices that appears is "view
source," it is HTML mail. By choosing "view source," a user would
be able to see any JavaScript code embedded in the message. But
whether the code was designed to bug a message would likely still
be difficult to recognize for someone unfamiliar with the computer
language.
"I looked at this and I said, `Whoa,' because it lets you spy on
people, and it's so easy," said Richard M. Smith, chief technology
officer for the Privacy Foundation, an educational and research
organization based in Denver that plans to publicize and
demonstrate the technique today.
"Most of us won't release a computer virus, but this is something
people would use, particularly if a service started offering it,"
Mr. Smith said. "It's just kind of human nature."
Invisible tags sometimes called Web bugs are widely used in HTML
e-mail by marketers and others to detect whether an individual has
opened an e-mail message. The Congressional Privacy Caucus has
announced plans to hold hearings to investigate the use of Web bugs
later this month. Mr. Smith said that it was now clear that
JavaScript could be used to create a more powerful Web bug so that
not only can someone find out when a message is read, but also what
is being said about it.
Because many e-mail users continue to hit "reply" during long
e-mail exchanges rather than initiating new messages, the
JavaScript code could enable an individual to eavesdrop on an
entire conversation between business associates about a proposal he
or she had e-mailed to one of them, for example. It could also be
used to harvest e-mail addresses when a message like a joke was
forwarded over and over to groups of people across the Internet.
The widely used e-mail programs that are vulnerable to the exploit
include Microsoft Outlook, Outlook Express and Netscape Messenger
6. America Online users and users of Web-based e-mail programs like
Hotmail would not be affected.
By going to the "preferences" command under the edit menu in
Netscape Messenger, users can turn off JavaScript in about five
steps. To disable JavaScript in Microsoft Outlook and Outlook
Express takes about 15 steps, which are outlined on the privacy
foundation Web site at www.privacyfoundation.org. The newest
version of Outlook Express comes with JavaScript turned off, as a
result of customer feedback, a Microsoft spokesman said.
"At this point in time, it's really a personal choice everybody
has to make whether they are more concerned about a security risk
or about the advanced functionality you get by having these
features enabled," said Lisa Gurrey, product manager for Microsoft
Office. "We are just doing the best we can to give our customers
different options."
But turning off JavaScript does not necessarily mean that e-mail
cannot be spied on, because a bugged message will still be returned
to its original sender if it is replied to or forwarded to someone
who reads the message with an e-mail program that is vulnerable.
Today, the Privacy Foundation plans to provide public
demonstrations of the process, which the group calls "e-mail
wiretapping" and believes to be illegal. The group is calling for
the major vendors of e-mail programs to provide their software with
JavaScript automatically turned off. The potential for such e-mail
spying was first discovered by Carl Voth, an engineer in British
Columbia, who brought it to the attention of Mr. Smith at the
Privacy Foundation.
"What bothers me is that in this case, my vulnerability is a
function of what you do," Mr. Voth said. "I can be careful, I can
take every precaution, I can turn off JavaScript, and it doesn't
matter. If my neighbor isn't diligent and I send him an e-mail, I'm
still vulnerable."
Subject: JavaScript eMail snooper.
A Trick to Snoop on E-Mail February 5, 2001; By AMY HARMON
For those still harboring the illusion that e-mail exchanges are
private, a watchdog group has uncovered a new trick that enables
someone to essentially bug an e-mail message so that the spy would
be privy to any comments that a recipient might add as the message
is forwarded to others or sent back and forth.
The maneuver does not take advantage of any security flaw in
e-mail software. It is simply one feature of a fancier and
increasingly common form of e-mail known as HTML mail, which
enables users to send and receive e-mail messages that look and act
like a Web page.
With the spying technique, a few lines of a programming language
called JavaScript, often used on Web sites to create pop-up windows
and navigational aids, can be embedded in such a message. This
implant, not visible to the recipient, enables the text to be
secretly returned to its original sender every time it is forwarded
to another recipient, as long as the recipients' e-mail programs
are set up to read JavaScript.
Although HTML e-mail often includes images and animations, it can
also be made to look like a plain text e-mail. To figure out
whether a message is HTML or text, a user can right-click on the
message body. If one of the menu choices that appears is "view
source," it is HTML mail. By choosing "view source," a user would
be able to see any JavaScript code embedded in the message. But
whether the code was designed to bug a message would likely still
be difficult to recognize for someone unfamiliar with the computer
language.
"I looked at this and I said, `Whoa,' because it lets you spy on
people, and it's so easy," said Richard M. Smith, chief technology
officer for the Privacy Foundation, an educational and research
organization based in Denver that plans to publicize and
demonstrate the technique today.
"Most of us won't release a computer virus, but this is something
people would use, particularly if a service started offering it,"
Mr. Smith said. "It's just kind of human nature."
Invisible tags sometimes called Web bugs are widely used in HTML
e-mail by marketers and others to detect whether an individual has
opened an e-mail message. The Congressional Privacy Caucus has
announced plans to hold hearings to investigate the use of Web bugs
later this month. Mr. Smith said that it was now clear that
JavaScript could be used to create a more powerful Web bug so that
not only can someone find out when a message is read, but also what
is being said about it.
Because many e-mail users continue to hit "reply" during long
e-mail exchanges rather than initiating new messages, the
JavaScript code could enable an individual to eavesdrop on an
entire conversation between business associates about a proposal he
or she had e-mailed to one of them, for example. It could also be
used to harvest e-mail addresses when a message like a joke was
forwarded over and over to groups of people across the Internet.
The widely used e-mail programs that are vulnerable to the exploit
include Microsoft Outlook, Outlook Express and Netscape Messenger
6. America Online users and users of Web-based e-mail programs like
Hotmail would not be affected.
By going to the "preferences" command under the edit menu in
Netscape Messenger, users can turn off JavaScript in about five
steps. To disable JavaScript in Microsoft Outlook and Outlook
Express takes about 15 steps, which are outlined on the privacy
foundation Web site at www.privacyfoundation.org. The newest
version of Outlook Express comes with JavaScript turned off, as a
result of customer feedback, a Microsoft spokesman said.
"At this point in time, it's really a personal choice everybody
has to make whether they are more concerned about a security risk
or about the advanced functionality you get by having these
features enabled," said Lisa Gurrey, product manager for Microsoft
Office. "We are just doing the best we can to give our customers
different options."
But turning off JavaScript does not necessarily mean that e-mail
cannot be spied on, because a bugged message will still be returned
to its original sender if it is replied to or forwarded to someone
who reads the message with an e-mail program that is vulnerable.
Today, the Privacy Foundation plans to provide public
demonstrations of the process, which the group calls "e-mail
wiretapping" and believes to be illegal. The group is calling for
the major vendors of e-mail programs to provide their software with
JavaScript automatically turned off. The potential for such e-mail
spying was first discovered by Carl Voth, an engineer in British
Columbia, who brought it to the attention of Mr. Smith at the
Privacy Foundation.
"What bothers me is that in this case, my vulnerability is a
function of what you do," Mr. Voth said. "I can be careful, I can
take every precaution, I can turn off JavaScript, and it doesn't
matter. If my neighbor isn't diligent and I send him an e-mail, I'm
still vulnerable."
Date: Sat Jan 6, 2001 9:23 pm
Everyone:
I referred to this link in Saturday's Richmond class. It is
somewhere between funny to scary: http://www.doyoulookgood.com/
Also for everyone:
A good reference site: http://www.executivelibrary.com/
"The site is divided into categories that include newspapers,
government, statistics and the economy, and marketing and
advertising. Users can link to more than 850 other websites that
provide business news, facts, and information. In the magazine
section, for example, users can find links to more than 30 business
magazine homepages, everything from our own eCompany Now to the
Worth website. Rounding out the list of links are more personal
categories such as travel or health and medicine."
Everyone:
I referred to this link in Saturday's Richmond class. It is
somewhere between funny to scary: http://www.doyoulookgood.com/
Also for everyone:
A good reference site: http://www.executivelibrary.com/
"The site is divided into categories that include newspapers,
government, statistics and the economy, and marketing and
advertising. Users can link to more than 850 other websites that
provide business news, facts, and information. In the magazine
section, for example, users can find links to more than 30 business
magazine homepages, everything from our own eCompany Now to the
Worth website. Rounding out the list of links are more personal
categories such as travel or health and medicine."
Date: Thu Nov 16, 2000 8:25 pm
Subject: ICANN Approves Seven New Internet Domain Names
ICANN Approves Seven New Internet Domain Names
MARINA DEL REY, Calif. (Reuters) - The Internet's governing body on
Web site names Thursday added seven new domain names,
including .biz, .info and .name, in a move to relieve pressure on the
overcrowded .com and .net spaces.
Other names accepted by the board of the Internet Corp. for Assigned
Names and Numbers (ICANN) include .pro, .museum, .aero, .coop, all of
which would be restricted to Web sites operated by people or
companies in related industries or fields, and would complement the
25 million existing Web addresses among the seven major domain names.
The ICANN board did not approve a number of other contenders such
as .kids, .web and .geo.
Major companies involved in winning bids to operate the huge
databases holding Web site addresses, also called registries,
included VeriSign Inc. (NasdaqNM:VRSN - news) , which currently
enjoys a near-monopoly as the sole registry operator for all domain
names not ending in a country suffix, International Business Machines
Corp. (NYSE:IBM - news) and Register.com, a fast- growing U.S.
reseller of Web site addresses.
Web domains not approved in the final discussion included .iii, which
purported to grant permanent domain names to people to make e-mail
forwarding easier, and .kids, which the board said could lead to Web
sites with content harmful rather than beneficial for children
Subject: ICANN Approves Seven New Internet Domain Names
ICANN Approves Seven New Internet Domain Names
MARINA DEL REY, Calif. (Reuters) - The Internet's governing body on
Web site names Thursday added seven new domain names,
including .biz, .info and .name, in a move to relieve pressure on the
overcrowded .com and .net spaces.
Other names accepted by the board of the Internet Corp. for Assigned
Names and Numbers (ICANN) include .pro, .museum, .aero, .coop, all of
which would be restricted to Web sites operated by people or
companies in related industries or fields, and would complement the
25 million existing Web addresses among the seven major domain names.
The ICANN board did not approve a number of other contenders such
as .kids, .web and .geo.
Major companies involved in winning bids to operate the huge
databases holding Web site addresses, also called registries,
included VeriSign Inc. (NasdaqNM:VRSN - news) , which currently
enjoys a near-monopoly as the sole registry operator for all domain
names not ending in a country suffix, International Business Machines
Corp. (NYSE:IBM - news) and Register.com, a fast- growing U.S.
reseller of Web site addresses.
Web domains not approved in the final discussion included .iii, which
purported to grant permanent domain names to people to make e-mail
forwarding easier, and .kids, which the board said could lead to Web
sites with content harmful rather than beneficial for children
This just came across my e-mail. There is a free CIW Foundations
practice test posted on the web. Use the URL below and click on
the "CIW Practice Test" link and follow the instructions. I have not
tried it yet, but it should beat nothing.
http://www.cobbwebdesign.com/
practice test posted on the web. Use the URL below and click on
the "CIW Practice Test" link and follow the instructions. I have not
tried it yet, but it should beat nothing.
http://www.cobbwebdesign.com/
From f---edcompany.com
Rumor has it Macromedia is gonna start laying people off (up to 250 people) starting this week. They're doing it quietly in small groups over the next few weeks so that they don't have to issue a press release. Apparently the people being hit the hardest are employees that were acquired when Macromedia bought Allaire. They've already stopped development on the (Allaire) Spectra product line and now they are doing the same to Allaire's JRun.
When: 7/9/2001
Rumor has it Macromedia is gonna start laying people off (up to 250 people) starting this week. They're doing it quietly in small groups over the next few weeks so that they don't have to issue a press release. Apparently the people being hit the hardest are employees that were acquired when Macromedia bought Allaire. They've already stopped development on the (Allaire) Spectra product line and now they are doing the same to Allaire's JRun.
When: 7/9/2001
Article on WebVan going under
Webvan founder unable to deliver on dream
BY MICHELLE QUINN
Mercury News
Early on, Louis Borders, the founder of Webvan Group, predicted his company would be worth $10 billion or zero. He was close on both counts.
More...
http://www.siliconvalley.com/docs/news/depth/van071001c.htm
Webvan founder unable to deliver on dream
BY MICHELLE QUINN
Mercury News
Early on, Louis Borders, the founder of Webvan Group, predicted his company would be worth $10 billion or zero. He was close on both counts.
More...
http://www.siliconvalley.com/docs/news/depth/van071001c.htm
Comparisons of Low-Cost Funds Transfer Systems
by Dr. Ralph F. Wilson, E-Commerce Consultant
http://www.wilsonweb.com/wmt6/pay-compare.htm
The tremendous popularity of eBay and other consumer auctions in the
last few years created a need for low-cost means of transferring
money that protect both the seller and the buyer. This has spawned a
number of new solutions -- PayPal, BillPoint, Yahoo! PayDirect, C2it,
eMoneyMail, and BidPay. Of these, only PayPal has really matured to
the point where it is of much use to serious online merchants outside
the auction arena.
We've also listed three e-commerce systems -- CCNow, ClickBank, and
DigiBuy -- that handle the entire credit card transaction. They
require little or no set-up fees, but charge transaction rates from
7.5% to 13.9%. Because of the high transaction fees, these are useful
only for products with a high mark-up.
Finally, we've compared these prices to typical fees paid by
merchants that have both a merchant account and a payment gateway.
These typically require substantial set-up fees, and minimum monthly
fees in addition to a discount rate (percentage of the transaction
amount) and a flat transaction fee.
Overview of each entry-
Restrictions
Percent of Transaction
Transaction
Fee
Monthly Fees and Set-Up Fees
International
US funds are transacted by all these systems
PayPal Premier or Business Account
www.paypal.com
None
2.2% for high-volume "merchant" accounts, 2.9% for newer "standard"
accounts. (Takes effect 7/14/01)
30¢
None
Yes, buyers and sellers in 43 countries, 8 countries can deposit to
local bank.
BillPoint
www.billpoint.com
eBay and Wells Fargo
Standard account limited to $500 transactions, $2000 for merchant
account. Currently limited to eBay sellers.
For transactions over $15, 2.5% + 0.5% (1.75% + 0.5% for high volume
sellers), 1.5% + 0.5% for electronic checks (0.75% + 0.5% for high
volume sellers).
35¢
None
Sellers must be US or Canadian residents. Payments can be received
from 50 countries.
c2it
CitiBank
www.c2it.com
Limited dollar amounts.
1.0%, 50¢ minimum
None
None
No, US residents only.
eMoneyMail
Bank One
www.emoneymail.com
Improvements being made until end of August.
None
$1.00
None
No, US residents only.
BidPay
Western Union
www.bidpay.com
2.25% on funds over $100
$5
None
Yes. But mails checks only to countries with "good" postal systems,
not to the Caribbean, Central & South America, & most African &
Middle Eastern Markets.
Yahoo! PayDirect
paydirect.yahoo.com
No fees currently.
None
None
No, US residents only may be sellers or buyers.
CCNow
www.ccnow.com
Tangible goods
9% (8% in Nov. and Dec.)
None
None
Yes, all countries. Payments may be mailed by regular check or
cashier's check, or wired. Direct deposit for US sellers.
ClickBank
www.clickbank.com
Digital goods, ebooks, or services
7.5%
$1.00
$49.95 set-up fee
Yes, payments mailed by check.
DigiBuy
www.digibuy.com
Digital goods or ebooks, with download service
13.9% or $3, whichever is greater.
None
$29.95 set-up fee
Yes, payments mailed by check.
Merchant Account
None
2.5% discount rate.
10¢ to 30¢
$5 to $25 per month plus often a payment gateway fee of $30 to $60
per month. Application fees vary from $100 to $200+.
A merchants must have a merchant account in his or her own country,
or corporate presence in the US. Exception is Planet Payment and
World Pay.
by Dr. Ralph F. Wilson, E-Commerce Consultant
http://www.wilsonweb.com/wmt6/pay-compare.htm
The tremendous popularity of eBay and other consumer auctions in the
last few years created a need for low-cost means of transferring
money that protect both the seller and the buyer. This has spawned a
number of new solutions -- PayPal, BillPoint, Yahoo! PayDirect, C2it,
eMoneyMail, and BidPay. Of these, only PayPal has really matured to
the point where it is of much use to serious online merchants outside
the auction arena.
We've also listed three e-commerce systems -- CCNow, ClickBank, and
DigiBuy -- that handle the entire credit card transaction. They
require little or no set-up fees, but charge transaction rates from
7.5% to 13.9%. Because of the high transaction fees, these are useful
only for products with a high mark-up.
Finally, we've compared these prices to typical fees paid by
merchants that have both a merchant account and a payment gateway.
These typically require substantial set-up fees, and minimum monthly
fees in addition to a discount rate (percentage of the transaction
amount) and a flat transaction fee.
Overview of each entry-
Restrictions
Percent of Transaction
Transaction
Fee
Monthly Fees and Set-Up Fees
International
US funds are transacted by all these systems
PayPal Premier or Business Account
www.paypal.com
None
2.2% for high-volume "merchant" accounts, 2.9% for newer "standard"
accounts. (Takes effect 7/14/01)
30¢
None
Yes, buyers and sellers in 43 countries, 8 countries can deposit to
local bank.
BillPoint
www.billpoint.com
eBay and Wells Fargo
Standard account limited to $500 transactions, $2000 for merchant
account. Currently limited to eBay sellers.
For transactions over $15, 2.5% + 0.5% (1.75% + 0.5% for high volume
sellers), 1.5% + 0.5% for electronic checks (0.75% + 0.5% for high
volume sellers).
35¢
None
Sellers must be US or Canadian residents. Payments can be received
from 50 countries.
c2it
CitiBank
www.c2it.com
Limited dollar amounts.
1.0%, 50¢ minimum
None
None
No, US residents only.
eMoneyMail
Bank One
www.emoneymail.com
Improvements being made until end of August.
None
$1.00
None
No, US residents only.
BidPay
Western Union
www.bidpay.com
2.25% on funds over $100
$5
None
Yes. But mails checks only to countries with "good" postal systems,
not to the Caribbean, Central & South America, & most African &
Middle Eastern Markets.
Yahoo! PayDirect
paydirect.yahoo.com
No fees currently.
None
None
No, US residents only may be sellers or buyers.
CCNow
www.ccnow.com
Tangible goods
9% (8% in Nov. and Dec.)
None
None
Yes, all countries. Payments may be mailed by regular check or
cashier's check, or wired. Direct deposit for US sellers.
ClickBank
www.clickbank.com
Digital goods, ebooks, or services
7.5%
$1.00
$49.95 set-up fee
Yes, payments mailed by check.
DigiBuy
www.digibuy.com
Digital goods or ebooks, with download service
13.9% or $3, whichever is greater.
None
$29.95 set-up fee
Yes, payments mailed by check.
Merchant Account
None
2.5% discount rate.
10¢ to 30¢
$5 to $25 per month plus often a payment gateway fee of $30 to $60
per month. Application fees vary from $100 to $200+.
A merchants must have a merchant account in his or her own country,
or corporate presence in the US. Exception is Planet Payment and
World Pay.
A little taste of A.I. at its current levels
http://www.alicebot.org/
Choose "Talk to A.L.I.C.E." on the right. There are other
conversational bots available.
http://www.alicebot.org/
Choose "Talk to A.L.I.C.E." on the right. There are other
conversational bots available.
Adventure
A gague of how much has been spent on eComm so far this year:
http://www.adventive.com/adventive_meters_form.html
you can also put it on your site.
A gague of how much has been spent on eComm so far this year:
http://www.adventive.com/adventive_meters_form.html
you can also put it on your site.
U. of Texas Center for Research in Electronic Commerce
Some links to books and resources. Check out their Making e-Business
Pay... document from December.
http://cism.bus.utexas.edu/
Some links to books and resources. Check out their Making e-Business
Pay... document from December.
http://cism.bus.utexas.edu/
An article on the "good" and growing companies of the web:
Interactive Week Fast 50; By Interactive Week Staff, Interactive Week
Internet companies roared into 2000 sure they were going to conquer
the world. For much of the 12 months that followed, it looked like
they might.
Financial statements with bulging revenue lines - whether they were
written in pro forma or standard accounting - lent credence to the
slogan: "The Internet changes everything."
More...
http://www.zdnet.com/intweek/stories/news/0,4164,2777141,00.html
Interactive Week Fast 50; By Interactive Week Staff, Interactive Week
Internet companies roared into 2000 sure they were going to conquer
the world. For much of the 12 months that followed, it looked like
they might.
Financial statements with bulging revenue lines - whether they were
written in pro forma or standard accounting - lent credence to the
slogan: "The Internet changes everything."
More...
http://www.zdnet.com/intweek/stories/news/0,4164,2777141,00.html
Webvan becomes biggest dot-com failure
FROM CHRIS AYRES IN NEW YORK
http://www.thetimes.co.uk/article/0,,5-2001233168,00.html
FROM CHRIS AYRES IN NEW YORK
http://www.thetimes.co.uk/article/0,,5-2001233168,00.html
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