And many families also keep a sizable amount of money in their savings account or continue to put money into their 401(k)s, while still carrying thousands of dollars in credit-card debt--even though dipping into savings and paying off their credit-card bills would guarantee them an immediate return on investment of 15% or 18%.

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"Ensuring that your checkout process and, more important, the credit card form are well-secured will guarantee your customers feel safe when transmitting their information, " says Pat Kaeowichien, director of information technology for Magnetic, a Tampa-based Web-development firm.

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Customers will not have to fire off their real credit-card number into insecure cyberspace and will have a guarantee of their money back in the event of disappointment.

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Rather than mail truckloads of demos we simply asked for a credit card and backed it up with a 30 day money back guarantee.

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