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u 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.



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.
How to Get eBay Coupons.

You have to be very lucky to be one of the chosen few who receive an eBay coupon by email. These coupons are just like cash that you can use towards anything you buy on eBay - the only conditions being that you pay using PayPal, and that you are using eBay in the USA, Canada or the UK.

There are two ways to get eBay coupons.

Wait for that Email.

Of course, if you just wait, you'll be waiting for a long time. You have to do something to make yourself look like the kind of person eBay would want to tempt back with a coupon. If you open an account, buy a few medium-value things and then suddenly stop, the chances are you'll find yourself with some kind of special offer - but still, not always.

Go Searching.

The better way, of course, is to go and find the coupons that are out there on the web. This is quite hit-and-miss, as eBay don't always have an offer on, but when there's a valid code you can guarantee that it'll be everywhere within a few hours. Just type 'ebay coupon codes' into your favourite search engine, but be prepared to pick through some rubbish. You might find you have better luck if you use a more obscure search engine, where people haven't taken the trouble to game the results.

If going through search engines is too much for you, then just keep an eye out at any

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