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The eMarketing Digest
© 1996 - 2008
Library of Congress
ISSN 1522-6913

Published by
Webbers Communications
686 Keene Rd. Suite B
Winchester, NH 03470
603-392-0090

 The E-Marketing Digest
 Volume #2,Issue #135
 February 16, 1998
 ------------------------
 Gary K. Foote, Moderator

 --------------------------------------------------------------

 The E-Marketing Digest is published by Webbers Communications
 N. Conway, NH 03860  http://www.webbers.com?EMD (603)447-1024

 Now read by over 1,200 subscribers in more than 40 countries.

 --------------------------------------------------------------

 Table of Contents

 + New Topics

    ".sig files and Reciprocal Links"
       - Gary K. Foote

 + Ongoing

    "Email address format"
       - John Gerits

    "Checks by FAX or E-mail"
       - Dave Thuillier

    "Checks by FAX in Canada"
       - Tony Hicks
       - George Matyjewicz
       - Barb Sybal
       - Terry Van Horne
       - Barb Sybal
       - John Vinokur

    "Checks by FAX with VersaCheck"
       - Dan Berman

    "WebPosition"
       - Terry Van Horne

    "Perceived Value"
       - George Matyjewicz

 + The Corkboard

    "Using Technology to Boost Sales"
       - George Matyjewicz

 + Question of the Week

    "How do You Find and Negotiate Reciprocal Links?"

 --------------------------------------------------------------

 --------------------
 Moderator's Comments
 --------------------

Hi All,

Happy Monday.  We've got a good issue to begin the 
week with, so I'll only take a moment of your time 
here.  I want to remind everyone that there is now 
an E-Marketing Digest Subscriber's Gallery located 
at;

http://www.webbers.com/emark/gallery.html

As of today there are only three photos.  I'd like 
to see more and realize that there might be many 
here who do not have a scanner, so no way to prepare 
a photo of themselves for the gallery.  I hereby 
offer my services to those who need their picture 
scanned for the gallery.  Simply snail-mail it to 
me at this address;

Gary K. Foote
Webbers Communications
PO Box 3214
North Conway, NH 03860

I will not be able to mail any pictures back unless 
you include the appropriate self-addressed, stamped 
envelope.  

NOTE:  Don't forget to include your bio on a separate 
sheet of paper along with your photo.

And now, on with the show...

Your Moderator,

Gary K. Foote


 ----------
 New Topics
 ----------

From: Gary K. Foote
Subject: .sig files and Reciprocal Links

Hi All,

Here's an idea...

Build a text file carrying your preferred reciprocal link 
profile.  Use it as a .sif file when posting to appropriate 
forums or e-mailing subject-related webmasters.

Here is one I use on occasion:

 ------------------------------------------------------
   Weather by E-mail is Seeking Reciprocal Links     
   with other weather related websites.  For linking   
   info mailto:gkfoote@webbers.com?Subject=wxlinkhtml  
                                                         
   Or visit our Weather Resource Center to add your URL  
   http://www.webbers.com/weather/resources.html     
 ------------------------------------------------------

I have it set up in Pegasus as a signature choice, all 
ready to go at the click of a button.  It works great.  
Try it yourself.

YM,

GKF


 -------
 Ongoing
 -------


From: John Gerits 
Subject: Re: Email address format

Our most gracious moderator, Gary wrote:

> My personal opinion is that the fewer dots and such you 
> include in an address, the easier an address is remembered.
> Using this 'rule of thumb' I would suggest the following;

> wbuffett.ISPNAME.com		warrenbuffett.ISPNAME.com
> warrenb.ISPNAME.com			wb.ISPNAME.com

There's always:		warren@berkshirehathaway.com

Ok, to add a "bit" of substance to the above attempted humor;

I see URLs, autoresponders, and multiple email addresses that are
different but all point to one company. Remember folks, your
domain name is your company or product/service. Keep the
consistency, less confusion for your target. Also, it builds
your brand awareness, just as other net marketing tools.

Even, with your own domain, if you happend to like-use AOL, they
can set a forward for you.

[ Yes, my email is different but my firm is not currently on
the net]

--
John Gerits

G e r i t s - K n e e f e l  &  A s s o c i a t e s
Strategic Management & Marketing Consulting
Will you be around tomorrow?
mailto:gerits@nijenrode.nl  ICQ#: 7900814


***  NEXT TOPIC - Checks by FAX or E-mail  ***


From: dreamers_den@conknet.com
Subject: Re: Checks by FAX or E-mail

> The client authorizes payment with signature that is faxed to
> us, or by completing a form on our site that authorizes us to
> credit his account.  It is no different than an insurance
> company automatically drawing money from your account each
> month for payment.  If the client does reject the claim, we can
> go to our bank and say we have his signature on file, and that
> is all that is necessary.  

George, would you be willing to pass on the details of how this 
operates? 

Do you need specific software? Does the customer need 
specific software? How is the check verified? Is this available 
thru all banks or only certain chains? How do you get the funds 
authorized by your email message into the bank? Do you find a 
better customer response rate now that you have this system set 
up?

What information should a business owner be looking at if they 
were interested in setting up a check by fax/email system?

David Thuillier

Dreamer's Den Joke Swap List: a weekly ezine 
dedicated to the fine art of humor.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
to subscribe: send a joke to mailto:dreamers_den@conknet.com
with subject: subscribe Joke swap
http://www.conknet.com/~dreamers_den


***   NEXT TOPIC - Checks by FAX in Canada  ***


From: Tony Hicks 
Subject: Checks by fax in Canada

> I am curious about the inclusion of Canadian checks because 
> several of the banks up here are not and will not support this
> type of check claiming it is not covered in the bank act and our
> system doesn't allow the use of this type of payment


The Canadian Payments Association, which regulates this matter, may not
make a public stand on it, but this system is used by many Canadian
banks. I know that Bank of Montreal does, and there's one in Calgary,
Alberta that I've spoken to.

In addition, you can contact National Bank Drafting Services
(www.nbds.com). Their franchised program has been in place in Canada for
some time. They use a software almost identical to mine to print checks
for customer companies all over the U.S. and Canada. The drafts are
identical in every respect, and many are authorized over phone or fax,
etc.
-- 
Tony Hicks
The Internet Advertising Research Affiliation (TIARA)
http://tiara.home.ml.org


***  SAME TOPIC - NEXT POST  ***


From: Rainmaker 
Subject: Re: Checks By Fax and Email

>I am curious about the inclusion of Canadian checks because 
>several of the banks up here are not and will not support this
>type of check claiming it is not covered in the bank act and our
>system doesn't allow the use of this type of payment(I assume that
>would include all checks both receiving and sending) .

We receive checks from Canadian companies, and have not had any
problems.   One that I just looked at came from Bank of Montreal
in London ON.  The only problem we have is the amount our bank
charges for conversion.

George
_______________________________________________
George Matyjewicz            "Rainmaker Extraordinaire"
Managing Partner                http://www.gapent.com/rainmaking/
GAP Enterprises, Ltd.        mailto:georgem@gapent.com
http://www.gapent.com
Tel: (201) 939-8533 Ext 821              Fax: (201) 460-3740
Automated Press Releases: http://www.gapent.com/pr/
Seminars & Trade shows: http://www.gapent.com/seminars/


***  SAME TOPIC - NEXT POST  ***


[Moderator's Comments]

The following three-post 'conversation' about credit 
cards and Canada between two subscribers came to me 
by way of cc: to this list from the original senders.  
I present them here in chronological order.  Thanks 
for sharing this with the rest of us;

YM,

GKF


From: "B.A. Sybal" 
Subject: EMD: Checks in Canada - US Funds

> Is there perhaps a Canadian Subsidiary of an International Bank
> that is enabling merchants to except this form of payment and for
> Canadians to use this form of payment? If you know of someone who
> is accepting these and cashing them in Canada I would like to know
> so I could contact them to see how they are getting around the
> system.

> Terry Van Horne | mailto:iwb@globalserve.net

Terry,

Years ago there was something called "counter cheques"
that many retailers offered, which sounds like what these
programs are basically offering now. When a customer
came into a store, forgot their chequebook (pocketbook for
the Americans ), many retailers offered these "blank"
cheques to fill out by the customer, as long as they
knew their banking information (usually an account number,
name of bank and which branch would suffice).

When ATMs became wildly popular, these counter cheques
just about disappeared, but I'm sure if you called your
bank and asked if they still accept them, you'll probably
get your answer for these online programs, also.

I just can't imagine that a US bank draft, handled as
a counter cheque would be treated any differently
than if it had come from the person themself --- they
may pose an extra holding period, but if these
cheques are accepted, who cares :)

It's the same with credit card orders received online: I
always have to put "signature on file" on the drafts and
I guess it would be the same for these kinds of cheques also.

HTH,

	Barb

. . . . . . . . . . . . . . . . . . . . . . . . . . . . .
My Sentiments(TM) Fine Art Cards
"Your source for sending a smile"
1-888-ART-FOR-2 (Canada & US)
(905) 828-7399 ~ (905) 828-4143 (Fax)
http://www.art-cards.com
cards@art-cards.com
. . . . . . . . . . . . . . . . . . . . . . . . . . . . .


*** SAME CONVERSATION  ***


From: "Webmaster T's World of Design" 

Subject: Re: EMD: Checks in Canada - US Funds

> Years ago there was something called "counter cheques"
> that many retailers offered,

[moderator snip]


Hi Barb

I know of what you speak and yes these are still accepted and 
used in Canada but the problem with check software in Canada 
stems from the fact that these checks aren't actually signed and 
actually are a form of draft (which isn't part of our banking 
act). To tell you how ridiculous the banks in Canada are an 
American cashiers check is frozen in my account for 21 working 
days! 

For those doing business in the US the same banks grab 3% 
off the top of all credit card sales in Us funds for conversion 
to Canadian .This is done automatically so if you have to turn 
around and purchase your inventory in the US you have to pay 
another 3% surcharge to convert it back to US funds. So if you 
are doing business on the net and purchasing your product in the 
US you are essentially giving up about 9% of of a sometimes slim 
margin to take cc over the net and replace that inventory bought 
in the States. 

I'm presently investigating how to get around this but 
am having problems finding an institution who will give a 
merchant account to a nonresident US without charging an arm,  
leg and first born child in fees and extra service charges. The 
best rate I've seen is around 8% (for clean credit rating) with 
around $1000 charge to set up bank accounts and such in the 
States. Not exactly suitable for a small business. 

From what I understand from potential clients this is a real 
stumbling block to small retailers and direct marketing 
companies in Canada seeing the net as a way to expand their 
markets outside of Canada. The checks are payment solutions that 
I know many Canadian firms already on the net are trying to 
address. But like the credit cards the solutions so far have 
been deemed too expensive.

Any and all suggestions are welcome!

Best regards

Terry Van Horne  | mailto:iwb@globalserve.net
Webmaster T's World of Design | http://www.globalserve.net/~iwb/world/
An e-zine featuring interviews, articles, references and resources of
interest to site developers and internet marketers and promoters.


*** SAME CONVERSATION  ***


From: "B.A. Sybal" 
Subject: Re: EMD: Checks in Canada - US Funds

> Hi Barb

[moderator snip]

> ... To tell you how ridiculous the banks in Canada are an 
> American cashiers check is frozen in my account for 21 working 
> days! 

Hi, Terry,

All my business accounts are with one of the worst (reputation-wise
for small businesses anyway) banks in Canada (Royal) and I've
never had any problems with US cheques, whether it's personal or
cashier's. You really should consider shopping around as I've
found each branch of a major chartered bank operates slightly
different from each other -- they tend to work within the demographics
of the area ... but I suppose we are digressing from the original
question :)

> another 3% surcharge to convert it back to US funds. So if you 
> are doing business on the net and purchasing your product in the 
> US you are essentially giving up about 9% of of a sometimes slim 
> margin to take cc over the net and replace that inventory bought 
> in the States.

To be honest, I've never heard of this. Then again, my product is
made in Canada and is usually exported to the US ... I've also
not seen any discrepancy with my bank statements: the
amount that I deposit for credit card orders is the amount that's
received, with absolutely no hidden fees and my discount rate
is less than 3%.

> I'm presently investigating how to get around this but 
> am having problems finding an institution who will give a 
> merchant account to a nonresident US without charging an arm,  
> leg and first born child in fees

[moderator snip]

Why would you even consider opening a US bank account
for merchant status only? Our dollar is so low that, for the
most part, Americans should be purchasing your services
in droves. If you charge $60 an hour Canadian, just placing
the American equivalent next to it is probably a big
incentive.

I'm not accusing you of this, but I find many Canadian
small businesses seem to think that they should be
receiving their fees at par and personally I find this
either price gouging (they want to pocket that nice
and tidy 35%-40%) or they are making the assumption
that the consumer is "none the wiser" ... and I think
this is a very big marketing mistake that usually
adversely affects business.

> >From what I understand from potential clients this is a real 
> stumbling block to small retailers and direct marketing 
> companies in Canada seeing the net as a way to expand their 
> markets outside of Canada. The checks are payment solutions that 
> I know many Canadian firms already on the net are trying to 
> address. But like the credit cards the solutions so far have 
> been deemed too expensive.

I have to respectfully disagree with you ... the only time there
are obstacles for receiving payment is if a bank does not
deem a business "bona fide", ie: the person has not registered
a business style name with the Province, is not incorporated
under the laws of Canada and the biggest obstacle being
that customers do not have a physical location to visit. This
last obstacle deems a business "mail order" in this country
and is considered very high risk.

I would venture to guess that American banks look at mail
order businesses similarly and request a deposit against
their account, together with a high discount rate.

If a Canadian retailer has a store-front operation, I highly
doubt that there are any problems in obtaining merchant
status. They would be treated the same as with our
American counterparts, albeit more easily and perhaps
without the third degree.

	Barb

. . . . . . . . . . . . . . . . . . . . . . . . . . . . .
My Sentiments(TM) Fine Art Cards
"Your source for sending a smile"
1-888-ART-FOR-2 (Canada & US)
(905) 828-7399 ~ (905) 828-4143 (Fax)
http://www.art-cards.com
cards@art-cards.com
. . . . . . . . . . . . . . . . . . . . . . . . . . . . .


***  SAME TOPIC - NEXT POST  ***


From: arti@securenet.net
Subject: Payment by check draft in Canada

>I am curious about the inclusion of Canadian checks because
>several of the banks up here are not and will not support this
>type of check claiming it is not covered in the bank act and our
>system doesn't allow the use of this type of payment (I assume that
>would include all checks both receiving and sending).

[moderator snip]

I have talked with officials at several different Canadian banks
concerning their willingness to accept "check drafts", and I have
found them uniformly happy to accept this form of payment - so long
as the payee (the company to which the drafts are payable) is abso-
lutely creditworthy.  Their position has been, "as long as we know
that there will be funds in the account against which to charge
back N.S.F. drafts, and as long as there are not too many N.S.F.
chargebacks, we are more than happy to accept these check drafts".
(I should add that, physically, the check drafts must be able to
flawlessly pass through the banks' check-clearing process - that is
to say, they must be standard size, on standard bankers' paper, and
must be printed in the usual format, using MICR toner, with the
proper MICR-font numerals along the bottom.)

>Is there perhaps a Canadian Subsidiary of an International Bank
>that is enabling merchants to except this form of payment and for
>Canadians to use this form of payment?

Not necessary. Most - if not all - Canadian banks will accept them,
under the right circumstances.

If you need more information or help with this, please contact me
directly.

Best regards,

John Vinokur
President
Automated Response Technology, Inc.
1615 Military Turnpike
Plattsburgh, NY 12901-7364
Tel: 514-946-8825
Fax: 514-345-0585
mailto:arti@securenet.net

      "Developing customized automated telephone 
       messaging systems for clients since 1990"


***  NEXT TOPIC - Checks by FAX with VersaCheck  ***


From: aci@netcom.com
Subject: "Checks by FAX" & VersaCheck

Based on a mention in this e-zine [EMD #132, "Re: Checks 
by fax, phone and e-mail", by George Matyjewicz], I 
purchased VersaCheck.  All I want it for is the "Check 
by FAX" function (i.e., printing out drafts from customer 
accounts). 

I haven't been able to make sense of the manual or get 
tech support from the company (mips) by phone (they just 
refer me to the manual).

If anyone can offer guidance as to where I might be able 
to get assistance (I'm willing to pay for it), that would 
be most appreciated. 

There are a few things I have learned about VersaCheck 
in the process of trying to figure it out, so I would 
like to share these with others:

* VersaCheck tech support told me by phone that very few 
banks require that the checks be printed using MICR 
(magnetic particle) toner, that all big banks nowadays use 
optical scanners rather than magnetic scanners. But Bank 
of America, which is certainly a big bank, told me in very 
definite terms that I must use this special toner to print 
the checks or they will not go through. This toner is 
relatively difficult to find and also costly. 

* The less expensive version of VersaCheck ($30 or so) 
only works in conjunction with MS Word. If you use another 
program (say, WordPerfect, as I do), you must purchase the 
"stand-alone" version of VersaCheck, which costs more than 
$100. 

* In order to use VersaCheck, you must input not only the 
numbers that appear on the check but also the SYMBOLS in 
the string at the bottom.  This cannot be done orally by 
the average person by phone or over the Web, unless the 
Website is set up in such a way that users can select the 
correct symbols. 

Dan Berman
ACI Writing Center
aci@best.com



***  NEXT TOPIC - WebPosition  ***


From: "Webmaster T's World of Design" 

Subject: WebPosition

...which seems to be quite good. Has anyone else had 
experience using these programs? If so, could they 
suggest a few?

Hi Gary and Sam

This is right up my alley since I stay on top of this area of 
promotion for the area of my site dedicated to promotion using 
search engines.

Sam there is a review of this software and some other uses for 
this software on my site. You can see them at
http://www.globalserve.net/~iwb/WebPosition/
for the uses and the review is at
http://www.globalserve.net/~iwb/WebPosition/review.htm

As for the others they are pretty well web based and are far too 
time consuming and restrictive to be of much value. I know there 
is a product by the name of Promotion Spider that features this 
in a submission program it's on my system but I haven't had time 
to check out its accuracy or ease of use.
Best regards
Terry Van Horne  | mailto:iwb@globalserve.net
Webmaster T's World of Design | http://www.globalserve.net/~iwb/world/
An e-zine featuring interviews, articles, references and resources of
interest to site developers and internet marketers and promoters.



***  NEXT TOPIC - Perceived Value  ***


From: Rainmaker 
Subject: Re: Perceived Value

>Gary brought up a great point when it comes to 
>"perceived value" when considering a price point.  
>
>So after consultating with the sales rep I decided to 
>increase the price of the frame by about $75. And guess 
>what, the sales of the frame tripled.  People were 
>probably saying to themselves it's a good idea, but how 
>come it's so cheap.  They couldn't see how such a 
>marvel in technology could be so cheap.  But when they 
>saw the good idea came with a hefty price tag, they bought 
>in to it.  That is a lesson in pricing I will never forget.

That's a common marketing tactic.  If a product isn't selling,
even after you offer a discount, then raise the price until you
find the price it will sell at.

I found the same thing holds true when raising your fees in a
service environment (which you should do once a year).  You will
lose some business, but you will gain more profitable business --
folks who thought you were not good enough because you were too cheap.

G
_______________________________________________
George Matyjewicz            "Rainmaker Extraordinaire"
Managing Partner                http://www.gapent.com/rainmaking/
GAP Enterprises, Ltd.        mailto:georgem@gapent.com
http://www.gapent.com
Tel: (201) 939-8533 Ext 821              Fax: (201) 460-3740
Automated Press Releases: http://www.gapent.com/pr/
Seminars & Trade shows: http://www.gapent.com/seminars/


 -------------
 The Corkboard
 -------------


From: Rainmaker 
Subject: Using Technology to Boost Sales

Hey All:

Thanks for all your help in researching my article "Using
Technology to Boost Sales."  It was published in the February
issue of Gifts & Decorative Accessories magazine in my Technology
Trends column and has been posted to
http://www.gapent.com/gap/inthenews/gda-98-02P1.htm

George
_______________________________________________
George Matyjewicz            "Rainmaker Extraordinaire"
Managing Partner                http://www.gapent.com/rainmaking/
GAP Enterprises, Ltd.        mailto:georgem@gapent.com
http://www.gapent.com
Tel: (201) 939-8533 Ext 821              Fax: (201) 460-3740
Automated Press Releases: http://www.gapent.com/pr/
Seminars & Trade shows: http://www.gapent.com/seminars/


 --------------------
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 --------------------

"How do You Find and Negotiate Reciprocal Links?"

Send responses to the QOTW to;
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 The E-Marketing Digest                  Webbers Communications
 Copyright Webbers Communications, 1998           P.O. Box 3214
 All Rights Reserved                        N. Conway, NH 03860
 0000000000000000000                              (603)447-1024

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