PayPal Stops Personal Payments in Malaysia. What does It Mean to You?

The Original Online Payment Method
The Original Online Payment Method
The Original Online Payment Method (image credit: Charles Crosbie/Flickr)

PayPal Malaysia to stops Personal Payments from 4 June 2013. What does it mean? How will it affect Malaysian PayPal users? Learn more in this article.

Every Malaysian PayPal users should already received an email from PayPal Malaysia about discontinuation of Personal Payments Service.

As PayPal focuses on our business strategy of enabling secure and convenient commercial transactions in Malaysia, we regret to inform you that the Personal Payments service will no longer be available in Malaysia from 4 June 2013. We sincerely apologise for the inconvenience caused.

I am not surprised by the announcement. When PayPal Singapore stops Personal Payments in February 2013, I expected – sooner or later – PayPal will do the same in Malaysia. Here it is.

Now, what is PayPal Personal Payments service? How will it affect your current business or blogshop?

What is Personal Payment?

Personal Payments are the non-business transaction money you send to other person.

You make personal payments when you send money to friends, relatives, or any person or organization not for profit making. You can pay and get paid with personal payments when you pay things such as living expenses, split your lunch costs, or pay back your friends. You cannot use this option to pay merchants or businesses.

There are few types of personal payments: gift, payment owed, cash advance, living expense, other.

Sending and receiving Personal Payments is free of charge, except it is cross-border payments (buyer and seller are in different countries) or it is funded by credit card.

What have changed?

Without Personal Payments support in Malaysia, Malaysian PayPal users…

  • no longer able to send any Personal Payments to users both in Malaysia and overseas.
  • can only receive money from other PayPal users where Personal Payments service is available in the user’s country.

PayPal users still able to shop online and make payments for goods and services. PayPal merchants still can receive commercial payments.

Why the change?

In short, PayPal wants to make sure it receives all the merchant fees that it should.

According to PayPal, you are required to use a Premier/Business account if you want to receive commercial payments for sale of goods and services. PayPal charge a transaction fee on payment received for Premier/Business account.

However, since receiving Personal Payments did not need to pay PayPal fee, it had become a “loophole” for small online sellers — they sell service/goods but receive PayPal money as personal payment, need not pay PayPal fee.

With the increasing of small online sellers (blogshops), the money losing through the loophole is increasing too. Stop Personal Payments will ensure PayPal receives all the commercial transaction fees.

What should you do?

If you are normal personal users who use PayPal to shop online, the new update does not affect you. Continue spend money via PayPal at will. PayPal Premier/Business users are not affected too. They are already paying PayPal merchant fees for money received.

For those are selling online but accept PayPal money as Personal Payments using PayPal Personal account type without paying merchant fees, now is the time to upgrade PayPal account to Premier or Business (under company or group name). You have to start paying for the merchant service you received now.

Ask your PayPal questions in the comment below.

5 Websites for Free Stock Photos Download

Young girl posing her hands like photo frame
Young girl posing her hands like photo frame
Young girl posing her hands like photo frame. (Image courtesy of Michal Marcol / FreeDigitalPhotos.net)

In this guest post,  Ken Myers shares 5 websites where you can download professional stock photos for FREE! 

When it comes to your website you know that having visuals is a great way to catch people’s attention. As the vast majority of internet users are visually oriented, an image on your webpage can increase your traffic and draw attention to posts or places that you want visitors to click or read.

With that in mind you also do not want to spend a lot of money adding images to your website. However you do want professional looking pictures that amplify your website rather than make it look shabby.

Well, here are five great sites where you can find professional stock photography for free:

1. FreeDigitalPhotos

FreeDigitalPhotos is my absolute favorite site to get free stock photos. Everything on their site comes in a free version.

The small size which is around four hundred pixels wide is always free to download and use with an attribution. After that it is only a few dollars to upgrade the size or buy the photo for use without attribution.

Almost all the images are professional quality and it is very easy to download the images. You do not have to sign up for an account or anything!

With an intuitive search engine and an easy to find photo format, this site is definitely the first place I look for free stock photos for my website.

2. Woophy

Woophy free photo site has an unusual name but it stands for world of Photography.

The great advantage to this site is that you have access to professional photographs from all over the world. There is even a map that you can click to see photos from different areas.

It is a great site to find images for an ethnically diverse website or specific cultural images. Look up images by city, country or subject.

3. Stock Vault

Stock Vault is a great source for more artsy photos. If you love color, bright lights, and unusual shots then this is a great site to check out. It is also good because they offer large photos for free as well, not just small ones.

Unfortunately it is owned by ShutterStock, so many times it will refer you to paid images on that site.

4. Morgue File

Morgue File is a great one for a mix of professional and non-professional images.

With photographs in sizes no less than 800 x 600 pixels, there are a wide variety of images that you can find to use on your website.

Attribution is required, but you can contact the original photographers and see if you can purchase the photo for cheap. Best of all, all the images on this site are free!

5. Stock.xchng

Stock.xchng free photograph site is full of great images that are royalty free. You can use and distribute these stock photos anywhere and most of them are very high quality. Although they do not have a large range of images to choose from there are some very good stock photographs on this site.

These are just a few of the free photo sites that you can find online. As I said, each one has its pros and cons, but if you are looking for a great free image for your website you can check out these five great sites!

[box type=note]Editor’s note: This is a guest post by Ken Myers, the founder of http://www.longhornleads.com/ & has learned over the years the importance of focusing on what the customer is looking for and literally serving it to them. He doesn’t try to create a need; instead he tries to satisfy the existing demand for information on products and services. If you would like to contribute too, please contact me.[/box]

WordPress Security: How to Protect Against Brute Force Password Attacks

Padlock on a door
Padlock on a door
Padlock on a door (credit: linder6580/stock.xchng)

WordPress has become the world’s most popular blogging system since its first released in 2003. It is now powering over 60 million websites worldwide.

No surprise that WordPress becomes hackers’ attack target. Reported by TheNextWeb, there’s serious brute force attack against WordPress sites across the Internet.

The requests, which are targeted at administrative accounts, appear to be coming from a sophisticated botnet that may be comprised of as many as 100,000 computers, based on the number of unique IP addresses the attacks are coming from.

The brute force attack is targeting WordPress admin panel and try to login using “admin” as username and trying thousands of passwords using unique IP addresses.

Simple WordPress login limit plugins won’t work because those plugins are blocking multiple login attempts from the same IP address. They won’t work for attacks 90,000 unique IP addresses (each IP attempts to login one time).

Fortunately, you can easily protect your WordPress blog against 99% future brute force attacks by applying following security recommendations:

1. Use a strong password

Your WordPress password (in fact, your any password) should be a strong password that’s long, including numbers and symbol. Don’t need to scratch your head to think one, there are many online password generators can help you.

2. Do not use default admin username

Old WordPress installation default to first username as “admin” and you cannot change it from Admin Panel. Recent WordPress versions force you to create a unique username.

If your WordPress username is “admin”, it is time to change that. You can either modify WordPress database entry (not recommended), create a new admin user, or install a WordPress plugin to change the username to anything you like.

While you cannot change WordPress account’s username, but you can create another user account.

We can create a new WordPress admin user, delete the old admin user (username “admin”), then assign all posts by ‘old admin user’ to the ‘new admin user’.

  1. Login WordPress admin panel.
  2. Goto Users > Add New
  3. Fill in the form and choose “Administrator” in the “Role” drop down menu. (Remember to use strong password)
  4. Click on “Add New User” button to add a new administrator account.
  5. Log out WordPress admin panel.
  6. Log in WordPress admin panel using the newly created administrator account.
  7. Goto Users > All Users
  8. Hover the old admin user (username “admin”) and click on the “Delete” link.
  9. On the “Delete Users” page, you will asked to what should be done with posts owned by the “admin” user. Select “Attribute all posts to:” and select your new Admin user.
  10. Click “Confirm Deletion” to delete old “admin” user and assign all posts to new Admin.

If the above 10 steps instructions look too complicated for you, you can install a WordPress plugin like “Admin username changer” to rename administrator username.

3. Update WordPress

Every new WordPress version fixes many bugs and exploit holes and new features to protect your WordPress against attackers. You should always keep your WordPress installation up to date. WordPress Automatic Update feature simplifies the process into a 2 minutes work.

4. Use CloudFlare

CloudFlare is a CDN & security & website optimizer service. It has effectively blocked 60 million brute force attacks against its WordPress customers in a single hour. Sign up free plan to protect your website now.

Verdicts

Things like using a strong password, do not use default username, keeping software up to date are basic and effective methods to protect against attackers.

Perhaps they are too basic that people are often not aware about them. Hopefully this article helps you to secure your WordPress site.

How do you protect your WordPress site? Please share with us in the comment below.

11 Ways to Get Your Website De-indexed by Google

Index
Index
index (Image credit: Stuart Caie – Flickr.com)

Getting de-indexed by Google and vanishing from their search results is almost equal to not existing at all. Google is the world’s most popular Internet search engine, and if your website isn’t showing in their results it can mean the end of the business you’ve invested years to build.

Search engines are still the number one way to drive traffic to a website, and they all have their own rules you need to follow and play by. The most recent Penguin and Panda updates in Google’s algorithms caused many websites to get penalized and even banned, significantly changing the previously established SEO practices.

Read more11 Ways to Get Your Website De-indexed by Google