RISK--HOW MUCH WILL YOU TOLERATE?

HOW MUCH RISK WILL YOU TOLERATE?--Take the Risk Determination Quiz and find out.

This is a "risk management" "quiz" table for ebay (& a little online). "Risk management" is just a high fallutin' term for how much risk do you want to take and still feel comfortable doing what you want to do? You take a risk all the time. You take a risk just walking down the street never realizing you have a chance of getting hit by a car. The point is to know, understand, and be able to manage the risks around you.

For #35, choose the type of seller that you would buy from with the highest risk if your answer is "Yes" to any of them.

For #36, choose the type of seller that you would buy from with the highest risk if your answer is "Yes".

RISK YES NO
1. Willing to buy from ebay or another online auction +10

2. Willing to buy online at a reputable well-known store +7

3. Willing to send Money Wire Transfer, Bank Transfer, Cash, Escrow suggested by Seller +10

4. Willing to buy on ebay WITHOUT doing heavy research on the item for at least a few weeks online & offline +9

5. Willing to buy from ebay WITHOUT even doing deep research on all the types of online frauds, esp. the most recent and/or prevailing auction frauds +10

6. Willing to buy from a Seller whose usual category of items is different from the item you're bidding/buying from them now +10

7. Willing to buy from a Seller with over 2% negs and/or SERIOUS negs +10

8. Willing to send payment to a Seller who changes their TOS after they email you such as payment terms, seller's payment address, seller's listed ebay email +10

**9. Willing to buy a HCD and/or category with heavy fraud and/or 3-digit or over item +10

10. Willing to buy from a 0 or low FB seller +8

11. Willing to buy from a seller whose auction ad has bad english or whose email has bad english +3

12. Willing to buy from a seller who has contact info that is unverifiable or has tricks (such as using a cell phone instead of landline, P.O. Boxes, "Mailbox etc-type" addresses, phone number is an answering machine or seller is never or rarely present, unusual prefix area code phone numbers) +10

13. Willing to buy from a seller who has contraindications in his ad (SUCH AS payment address is different from seller location OR is different from payment address of past auctions over 2 months ago, OR SUCH AS email address listed with ebay is different from the email they are using to deal with you OR is different from the email they used in their past auctions over 2 months ago, etc.) +10

14. Willing to buy from a seller who has had no or very few auctions selling in the past 3 months +10

15. Willing to buy from a seller who lists 3-digit or over items OR lists many pages & pages of items while their FB is less than 100 AND the seller has FAST Auctions (1-day, 3-day, BIN) +9

16. Willing to buy from a seller who "reassures" you to send payment quickly while making excuses, (esp. regarding risk, discounts, send payment to Nigeria or other country because "U.S." seller is "business travelling" there or is going bankrupt or other excuse and that's the reason for the low low price) while you do not understand how ebay works +10

17. Willing to buy from a seller who has an anonymous email like yahoo or hotmail +7

18. Willing to buy from a seller who has auctions where mainly only 0 and/or low feedback bidders are bidding +7

19. Willing to buy from a seller outside the U.S. +7

20. Willing to buy from a seller using stock photos OR willing to buy from a seller whose photos you haven't done research on to find out if they just copied it from another seller or the manufacturer +5

21. WILLING to pay via money order or cashier's checks or personal checks or bidpay or C.O.D. or another form of payment the seller requests which you know nothing about Add +2 for a seller you've dealt with before and contact/verify before you send payment. Add +10 for a seller you've dealt with before BUT DO NOT contact/verify before you send payment. Add +10 for a new seller.

22. Willing to buy from a seller who's willing to initially sell his item or use BIN by placing his item up for 50% or less OF market value for that item OR OF ebay market value for that item +9

23. Willing to buy from a seller who has FB that is bidpadded or bidshilled and you didn't take the time to analyze this type of FB trickery +10

24. Willing to buy from a seller who has private FB and/or private auctions and/or pre-approval auctions +10

25. Willing to buy from a seller with 0 or low FB and/or a member for less than 2 months WITHOUT doing research on the seller and WITHOUT contacting & verifying Seller's "Contact Info" address, phone number, credentials, references, neighbors, etc and WITHOUT checking their locales for info on their business license(s) & taxes.. Add +10 for each listed way you don't verify "Contact Info--Look at "Contact Info" section. You can ignore this section if you're paying an amount of $ that you can afford to lose and not think about again if you get ripped off.

26. Willing to buy from a 98% or more positive seller who's suddenly getting negs somewhere in the past 3 months OR even at the time of the auction OR when you send payment +10

27. Willing to buy from a seller who only posts a picture without TOS or the TOS are part of the picture +10

28. Willing to buy from a seller WITHOUT reading every line of TOS including looking for S/H costs +10

29. Willing to buy from a seller who has MAINLY been a buyer, not a seller +8

30. Willing to buy an item that's 4 digits or more $$$$$ from a seller WITH OR WITHOUT doing research. +10

31. Willing to shop instantly at a webstore(not well known) which shows up at any search engine including Google. +10

32. Willing to buy from a seller whose state is not yours or not next to yours +7

33. Willing to buy from a seller WITHOUT even glancing thru their positive FB +8

34. Willing to buy from an ebay seller who has emailed you about selling you an item thru "Second Chance" or other type of seller email (no matter how long you've bought from them) WITHOUT even VERIFYING THEIR EMAIL AND CALLING their phone number from years ago when you dealt with them OR if it's a seller you're dealing with for the first time now, you were willing to buy WITHOUT CONTACTING THEM at their phone directory listed phone number they list with ebay now) +10

35A. Willing to buy from a seller who has been an ebay member from day 0 to 2 months +9.5

35B. Willing to buy from a seller who has been an ebay member for 2 months to 1 year +7

35C. Willing to buy from a seller who has been an ebay member for 1 year to 2 years +5

35D. Willing to buy from a seller who has been an ebay member for 2 years to 3 years +3

36A. Willing to buy a 3-digit or more $$ item from a seller who has sold less than 3 items that are much lower in price than the auction you're bidding on +9

36B. Willing to buy a 3-digit or more $$ item from a seller who has sold between 3 to 6 items that are much lower in price than the auction you're bidding on +7

37. Willing to use a well-known third party payment service like escrow.com or paypal WITHOUT doing research and WITHOUT contacting escrow.com or paypal directly BY PHONE AT THEIR WELL-KNOWN PHONE DIRECTORY PHONE NUMBER about how transactions are handled and naively trusting every email that purports to be from escrow.com or paypal +10

38. use computer's Microsoft Outlook email +10

39. REGULARLY use computer's Microsoft Outlook email to do business with +10

40. use Internet Explorer browser for general surfing and do not have security heightened on this browser +10

41. use Windows operating system +5

42. If you use Windows and/or Internet Explorer, you do not regularly update and run anti-spyware and antivirus and do not regularly update any security vulnerability patches in Windows and Internet Explorer +10

43. willing to give personal/financial info and/or click on any links in an auction ad, webpage, or email +10

44. do not have a secure firewall +10

45. Willing to put your financial/credit info on a computer that is connected to the Internet (Example: putting your bank statement on a spreadsheet or putting your bank/auction/other commerce site passwords on a word processor program on your computer.) +8

46. Willing to carry on financial/banking tasks online (Example: looking at your bank statement online, buying online, even somehow listing payment details in your emails) +9

47. Your internet connection is a broadband connection like DSL, Cable, or other 24 hours/day connection always open to hackers.. +10

48. INSTANTLY TRUST any person claiming he works for ebay, paypal, your bank, bidpay, WU, the police, or whatever else agency WITHOUT CALLING UP THE AGENCY AT ITS GLOBALLY WELL KNOWN PHONE NUMBER TO CHECK UP ON THIS PERSON before giving out info on your email or phone. The result is you give the person your financial info. The reason for your instant trust is because you got scammed by a good story or you're too busy to be cautious or whatever other reason.
Look at the CONfidence page if you easily fall for these types of scams."
+10

49. Willing to surf at high-risk unknown websites for porn, cracked warez, gambling, free whatevers, etc. +10

50. Willing to install any little program like Weatherbug or free game or Kazaa or other spyware and/or adware program where you benefit somehow and you don't care whether you get infected. +7

51. Willing to throw in your trash any personal info, a few examples: any past bank statements, checks(used or unused, cancelled or uncancelled), credit card paper carbon paper receipts, credit card pre-approval forms, other forms which have your personal info such that any scammer can dumpster-dive your trash and pick these up easily.
Pre-filled forms should be burned or shredded or you can do this: For the junkmail to stop for 5 years, the service costs $5 online at www.dmaconsumers.org/cgi/offmailinglistdave.
OR write to:
Mail Preference Service
Attn. Dept. 8354169
Direct Marketing Association
P.O. Box 282
Carmel, NY 10512. It's good for five years.
To stop most unsolicited pre-approved credit offers permanently:
Opt-Out Department
P.O. Box 24025
Seattle, WA 98124-0025.
Send your full name, current home address, previous home address and SS#. Sign and date your letter.
+10

52. Willing to spread your CC#/check/personal info out by giving your CC # to any small NOT WELL-KNOWN shop, cafe, restaurant, person, etc. when really you should be using cash & not be overusing your CC. "Spreading" your CC#/personal info means it's more likely an unethical employee in one of the companies you dealt with will get hold of your data and use and/or sell it +10

53. Have a mailbox which is accessible to the public so that any scammer can get into your mail. +10

54. Do not promptly check your bank statements and do not check to see if you're getting any decrease in mail which would mean a scammer has "notified" the US Mailbox to change delivery of your mail to the scammer's private mailbox. +10

55. Have your passwords written on especially obvious, open places like the back of your CC or ATM card OR on a scratch paper on your desktop or monitor so that anyone can see them. +10

56. Do not take the time to log off completely from your email or isp such that someone is able to purchase or look at your data. +10

57. Use the SAME password for your bank account, ebay, paypal, amazon.com, other stores Add +10 for each time you use the same password

58. You post your email on the web or newsgroups +10

59. You sign up for "goodies" from companies and get on their mailing lists +5

60. You automatically write or have your bank write your Social Security#, auto ID#, and/or other personal info on to your personal checks. +10

61. Willing to put your financial/credit info on a PUBLIC computer like the library computer or Internet cafe computer (PUBLIC computer=any computer that is or can be accessed by other people). You are more vulnerable to people accessing your data and keyloggers which another user unwittingly allowed into the computer. +10

62. Willing to carry on financial/banking tasks online on a PUBLIC computer like the library computer or Internet cafe computer (PUBLIC computer=any computer that is or can be accessed by other people). You are more vulnerable to people accessing your data and keyloggers which another user unwittingly allowed into the computer. +10

63. Willing to carry on financial/banking tasks online without using/checking for security. Security includes:

secure firewall
https shown at corner of browser
secure lock icon shown at corner of browser
unbroken key icon
CC or debit card you use online is NOT buyer-favorable and NOT attached to your main bank account(s) with sizable amounts of $$$'s.

The best way to pay is with a CC or debit card(hopefully the debit card you choose can reimburse your $'s if ripped off) attached to a bank account with LOW amounts of $'s you can afford to lose forever which is dedicated for ONLINE USE ONLY so that it's easy to track any scammer on your online card.
+10

64. Willing to carry on financial/banking tasks on your ATM which many times is not within your bank building and you don't check if there are "eyes"(camera devices/skimmer devices/other people observing your movements) attached to the ATM machines. +10

65. Willing to log onto your computer and/or carry financial online transactions without REGULARLY CHANGING your passwords. +8

66. You carry more than 2 or 3 CC's and/or ATM cards and/or store CC's which you don't keep track of regularly such that they can be easily stolen and not easily missed by you until much later if at all. +10

67. DO NOT Understand the "freeze" laws and/or not willing to "freeze" any access to credit under your name (usually by written notification to the three main credit agencies Equifax, Experian, & TransUnion) at any clear sign of scammer attempts +10

68. Not regularly (every year or so) checking your credit reports from the major credit bureaus. +10

69. Willing to buy from "sellers" whose auctions begin and end over a weekend---eBay customer support is light during those days +10

70. You are not (suspicious of/picky with) which sellers you buy from since you believe the phoney ebay community slogans:

We believe people are basically good.

We believe everyone has something to contribute.

We believe that an honest, open environment can bring out the best in people.

We recognize and respect everyone as a unique individual.

We encourage you to treat others the way you want to be treated.

and you believe ebay has satisfactory buyer protections(cough cough!!)
+10

71. Add +10 (Yes & No both are +10) because any hacker can steal your financial/personal info from any company you deal with or thru online sources. Add +20 if you use your CC for most purchases. +10 or +20 for most +10 or +20 for most

72. Add +10 (Yes & No both are +10) because any hacker can steal your financial/personal info from any search engine. Add +20 if you use your CC for most purchases. +10 or +20 for most +10 or +20 for most

73. Willing to buy 3-digit or more $$$ items on ebay or other auctions with less than 3 years BUYER'S experience and less than 200 BUYING transactions. +10

RISK	YES	NO
1. Willing to buy from ebay or another online auction	+10
2. Willing to buy online at a reputable well-known store	+7
3. Willing to send Money Wire Transfer, Bank Transfer, Cash, Escrow suggested by Seller	+10
4. Willing to buy on ebay WITHOUT doing heavy research on the item for at least a few weeks online & offline	+9
5. Willing to buy from ebay WITHOUT even doing deep research on all the types of online frauds, esp. the most recent and/or prevailing auction frauds	+10
6. Willing to buy from a Seller whose usual category of items is different from the item you're bidding/buying from them now	+10
7. Willing to buy from a Seller with over 2% negs and/or SERIOUS negs	+10
8. Willing to send payment to a Seller who changes their TOS after they email you such as payment terms, seller's payment address, seller's listed ebay email	+10
**9. Willing to buy a HCD and/or category with heavy fraud and/or 3-digit or over item	+10
10. Willing to buy from a 0 or low FB seller	+8
11. Willing to buy from a seller whose auction ad has bad english or whose email has bad english	+3
12. Willing to buy from a seller who has contact info that is unverifiable or has tricks (such as using a cell phone instead of landline, P.O. Boxes, "Mailbox etc-type" addresses, phone number is an answering machine or seller is never or rarely present, unusual prefix area code phone numbers)	+10
13. Willing to buy from a seller who has contraindications in his ad (SUCH AS payment address is different from seller location OR is different from payment address of past auctions over 2 months ago, OR SUCH AS email address listed with ebay is different from the email they are using to deal with you OR is different from the email they used in their past auctions over 2 months ago, etc.)	+10
14. Willing to buy from a seller who has had no or very few auctions selling in the past 3 months	+10
15. Willing to buy from a seller who lists 3-digit or over items OR lists many pages & pages of items while their FB is less than 100 AND the seller has FAST Auctions (1-day, 3-day, BIN)	+9
16. Willing to buy from a seller who "reassures" you to send payment quickly while making excuses, (esp. regarding risk, discounts, send payment to Nigeria or other country because "U.S." seller is "business travelling" there or is going bankrupt or other excuse and that's the reason for the low low price) while you do not understand how ebay works	+10
17. Willing to buy from a seller who has an anonymous email like yahoo or hotmail	+7
18. Willing to buy from a seller who has auctions where mainly only 0 and/or low feedback bidders are bidding	+7
19. Willing to buy from a seller outside the U.S.	+7
20. Willing to buy from a seller using stock photos OR willing to buy from a seller whose photos you haven't done research on to find out if they just copied it from another seller or the manufacturer	+5
21. WILLING to pay via money order or cashier's checks or personal checks or bidpay or C.O.D. or another form of payment the seller requests which you know nothing about	Add +2 for a seller you've dealt with before and contact/verify before you send payment. Add +10 for a seller you've dealt with before BUT DO NOT contact/verify before you send payment. Add +10 for a new seller.
22. Willing to buy from a seller who's willing to initially sell his item or use BIN by placing his item up for 50% or less OF market value for that item OR OF ebay market value for that item	+9
23. Willing to buy from a seller who has FB that is bidpadded or bidshilled and you didn't take the time to analyze this type of FB trickery	+10
24. Willing to buy from a seller who has private FB and/or private auctions and/or pre-approval auctions	+10
25. Willing to buy from a seller with 0 or low FB and/or a member for less than 2 months WITHOUT doing research on the seller and WITHOUT contacting & verifying Seller's "Contact Info" address, phone number, credentials, references, neighbors, etc and WITHOUT checking their locales for info on their business license(s) & taxes..	Add +10 for each listed way you don't verify "Contact Info--Look at "Contact Info" section. You can ignore this section if you're paying an amount of $ that you can afford to lose and not think about again if you get ripped off.
26. Willing to buy from a 98% or more positive seller who's suddenly getting negs somewhere in the past 3 months OR even at the time of the auction OR when you send payment	+10
27. Willing to buy from a seller who only posts a picture without TOS or the TOS are part of the picture	+10
28. Willing to buy from a seller WITHOUT reading every line of TOS including looking for S/H costs	+10
29. Willing to buy from a seller who has MAINLY been a buyer, not a seller	+8
30. Willing to buy an item that's 4 digits or more $$$$$ from a seller WITH OR WITHOUT doing research.	+10
31. Willing to shop instantly at a webstore(not well known) which shows up at any search engine including Google.	+10
32. Willing to buy from a seller whose state is not yours or not next to yours	+7
33. Willing to buy from a seller WITHOUT even glancing thru their positive FB	+8
34. Willing to buy from an ebay seller who has emailed you about selling you an item thru "Second Chance" or other type of seller email (no matter how long you've bought from them) WITHOUT even VERIFYING THEIR EMAIL AND CALLING their phone number from years ago when you dealt with them OR if it's a seller you're dealing with for the first time now, you were willing to buy WITHOUT CONTACTING THEM at their phone directory listed phone number they list with ebay now)	+10
35A. Willing to buy from a seller who has been an ebay member from day 0 to 2 months	+9.5
35B. Willing to buy from a seller who has been an ebay member for 2 months to 1 year	+7
35C. Willing to buy from a seller who has been an ebay member for 1 year to 2 years	+5
35D. Willing to buy from a seller who has been an ebay member for 2 years to 3 years	+3
36A. Willing to buy a 3-digit or more $$ item from a seller who has sold less than 3 items that are much lower in price than the auction you're bidding on	+9
36B. Willing to buy a 3-digit or more $$ item from a seller who has sold between 3 to 6 items that are much lower in price than the auction you're bidding on	+7
37. Willing to use a well-known third party payment service like escrow.com or paypal WITHOUT doing research and WITHOUT contacting escrow.com or paypal directly BY PHONE AT THEIR WELL-KNOWN PHONE DIRECTORY PHONE NUMBER about how transactions are handled and naively trusting every email that purports to be from escrow.com or paypal	+10
38. use computer's Microsoft Outlook email	+10
39. REGULARLY use computer's Microsoft Outlook email to do business with	+10
40. use Internet Explorer browser for general surfing and do not have security heightened on this browser	+10
41. use Windows operating system	+5
42. If you use Windows and/or Internet Explorer, you do not regularly update and run anti-spyware and antivirus and do not regularly update any security vulnerability patches in Windows and Internet Explorer	+10
43. willing to give personal/financial info and/or click on any links in an auction ad, webpage, or email	+10
44. do not have a secure firewall	+10
45. Willing to put your financial/credit info on a computer that is connected to the Internet (Example: putting your bank statement on a spreadsheet or putting your bank/auction/other commerce site passwords on a word processor program on your computer.)	+8
46. Willing to carry on financial/banking tasks online (Example: looking at your bank statement online, buying online, even somehow listing payment details in your emails)	+9
47. Your internet connection is a broadband connection like DSL, Cable, or other 24 hours/day connection always open to hackers..	+10
48. INSTANTLY TRUST any person claiming he works for ebay, paypal, your bank, bidpay, WU, the police, or whatever else agency WITHOUT CALLING UP THE AGENCY AT ITS GLOBALLY WELL KNOWN PHONE NUMBER TO CHECK UP ON THIS PERSON before giving out info on your email or phone. The result is you give the person your financial info. The reason for your instant trust is because you got scammed by a good story or you're too busy to be cautious or whatever other reason. Look at the CONfidence page if you easily fall for these types of scams."	+10
49. Willing to surf at high-risk unknown websites for porn, cracked warez, gambling, free whatevers, etc.	+10
50. Willing to install any little program like Weatherbug or free game or Kazaa or other spyware and/or adware program where you benefit somehow and you don't care whether you get infected.	+7
51. Willing to throw in your trash any personal info, a few examples: any past bank statements, checks(used or unused, cancelled or uncancelled), credit card paper carbon paper receipts, credit card pre-approval forms, other forms which have your personal info such that any scammer can dumpster-dive your trash and pick these up easily. Pre-filled forms should be burned or shredded or you can do this: For the junkmail to stop for 5 years, the service costs $5 online at www.dmaconsumers.org/cgi/offmailinglistdave. OR write to: Mail Preference Service Attn. Dept. 8354169 Direct Marketing Association P.O. Box 282 Carmel, NY 10512. It's good for five years. To stop most unsolicited pre-approved credit offers permanently: Opt-Out Department P.O. Box 24025 Seattle, WA 98124-0025. Send your full name, current home address, previous home address and SS#. Sign and date your letter.	+10
52. Willing to spread your CC#/check/personal info out by giving your CC # to any small NOT WELL-KNOWN shop, cafe, restaurant, person, etc. when really you should be using cash & not be overusing your CC. "Spreading" your CC#/personal info means it's more likely an unethical employee in one of the companies you dealt with will get hold of your data and use and/or sell it	+10
53. Have a mailbox which is accessible to the public so that any scammer can get into your mail.	+10
54. Do not promptly check your bank statements and do not check to see if you're getting any decrease in mail which would mean a scammer has "notified" the US Mailbox to change delivery of your mail to the scammer's private mailbox.	+10
55. Have your passwords written on especially obvious, open places like the back of your CC or ATM card OR on a scratch paper on your desktop or monitor so that anyone can see them.	+10
56. Do not take the time to log off completely from your email or isp such that someone is able to purchase or look at your data.	+10
57. Use the SAME password for your bank account, ebay, paypal, amazon.com, other stores	Add +10 for each time you use the same password
58. You post your email on the web or newsgroups	+10
59. You sign up for "goodies" from companies and get on their mailing lists	+5
60. You automatically write or have your bank write your Social Security#, auto ID#, and/or other personal info on to your personal checks.	+10
61. Willing to put your financial/credit info on a PUBLIC computer like the library computer or Internet cafe computer (PUBLIC computer=any computer that is or can be accessed by other people). You are more vulnerable to people accessing your data and keyloggers which another user unwittingly allowed into the computer.	+10
62. Willing to carry on financial/banking tasks online on a PUBLIC computer like the library computer or Internet cafe computer (PUBLIC computer=any computer that is or can be accessed by other people). You are more vulnerable to people accessing your data and keyloggers which another user unwittingly allowed into the computer.	+10
63. Willing to carry on financial/banking tasks online without using/checking for security. Security includes: secure firewall https shown at corner of browser secure lock icon shown at corner of browser unbroken key icon CC or debit card you use online is NOT buyer-favorable and NOT attached to your main bank account(s) with sizable amounts of $$$'s. The best way to pay is with a CC or debit card(hopefully the debit card you choose can reimburse your $'s if ripped off) attached to a bank account with LOW amounts of $'s you can afford to lose forever which is dedicated for ONLINE USE ONLY so that it's easy to track any scammer on your online card.	+10
64. Willing to carry on financial/banking tasks on your ATM which many times is not within your bank building and you don't check if there are "eyes"(camera devices/skimmer devices/other people observing your movements) attached to the ATM machines.	+10
65. Willing to log onto your computer and/or carry financial online transactions without REGULARLY CHANGING your passwords.	+8
66. You carry more than 2 or 3 CC's and/or ATM cards and/or store CC's which you don't keep track of regularly such that they can be easily stolen and not easily missed by you until much later if at all.	+10
67. DO NOT Understand the "freeze" laws and/or not willing to "freeze" any access to credit under your name (usually by written notification to the three main credit agencies Equifax, Experian, & TransUnion) at any clear sign of scammer attempts	+10
68. Not regularly (every year or so) checking your credit reports from the major credit bureaus.	+10
69. Willing to buy from "sellers" whose auctions begin and end over a weekend---eBay customer support is light during those days	+10
70. You are not (suspicious of/picky with) which sellers you buy from since you believe the phoney ebay community slogans: We believe people are basically good. We believe everyone has something to contribute. We believe that an honest, open environment can bring out the best in people. We recognize and respect everyone as a unique individual. We encourage you to treat others the way you want to be treated. and you believe ebay has satisfactory buyer protections(cough cough!!)	+10
71. Add +10 (Yes & No both are +10) because any hacker can steal your financial/personal info from any company you deal with or thru online sources. Add +20 if you use your CC for most purchases.	+10 or +20 for most	+10 or +20 for most
72. Add +10 (Yes & No both are +10) because any hacker can steal your financial/personal info from any search engine. Add +20 if you use your CC for most purchases.	+10 or +20 for most	+10 or +20 for most
73. Willing to buy 3-digit or more $$$ items on ebay or other auctions with less than 3 years BUYER'S experience and less than 200 BUYING transactions.	+10

The above table is a table of approximate risk calculations based on my & others' buying "experience" on ebay based on a scale of 0 to 10 with 10 being the highest risk. Based on how you bid/buy on ebay, answer the above questions.

If you total up the "Yes" column, it will display the amount of risk you tolerate. If you total up the "No" column which should be the number that's in the "yes" column EXCEPT IT IS NEGATIVE, it will display the amount of risk you are staying away from and hence you are reducing your risk. (The exception is #67 where both "No" & "Yes" should be scored as a +10.)

The higher your score, the more risks you are taking and the more likely you'll bump into a bad seller or scam seller.

Next Page for Notations & Comments regarding above table

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