All About Merchant Account Processing (part 2 of 2)

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To ensure that there will be lesser hassles in this type of payment system, merchant account processing has been made easier by eliminating the invoice payment system, which is among the primary causes of delay.  When there is an efficient merchant account processing, the credit card payment system will be in its proper place which will enable one to have easier purchases either online or on physical stores.

More and more companies today are coming up with their own ways to be able to develop a merchant account processing system that can offer the clients the best option they will have. Some of these companies go through outsource companies and ask them to handle the bulk of the workloads in terms of credit card processing so they can pay better attention to business details that will give the clientele much satisfaction.

When it comes to qualifying for a merchant account, the first thing that the merchant account providers question is the legitimacy of your business. This is because they would not want to encounter problems in terms of fraud and other related charges that might be filed against them. If you are applying for a merchant account, expect that merchant account providers will start with a basic background check including the assessment of your business's credit history and a review of the owners as well as the officers that are listed on the application.

During this background check before the merchant account processing, the most important aspect that should be paid attention to is the incidence of the business's "chargebacks" or the reversal of a certain sale which was credited to the owner's account.

Most of the time, chargebacks come up because of certain errors which are either made by the bank of the card holder or a certain misunderstanding made by the customer him or herself.

All About Merchant Account Processing (part 1 of 2)

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In any credit card transaction or application, the merchant account should always be paid attention because it this will define how advantageous the future transactions for you would be.

As defined, merchant account is the account wherein a specific merchant deals with a certain bank to be able to make credit card payments possible. Without such account or contract, no transactions can be made because there will be no order in processing the payments made for purchase or orders.

Today, more and more banks as well as independent financial firms and companies are becoming merchant account providers because they have seen how much the credit card and its usage among consumers have grown. Many of them join the bandwagon because of its being lucrative. While others are getting into it to ensure that they will provide options for credit card users as well as the companies or business establishments will have smooth sailing business transactions in terms of payments and other financial processing.

How a merchant account is processed

With the advantaged of modern technology, there have been so many attempts to make merchant account processing easier. As many people would know, when one uses a credit card, he or she allows the funds to be transferred to his or her bank account in short span of time, usually not more than one week. This is to ensure that there will be smoother yet tighter cash flow.  When something goes wrong along the way of transactions and payments being made, there will be a disruption in the cash flow which will cause everyone involved delay as well as loss of investment.

Knitting Bags (part 2 of 2)

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You can over look these rules if you are buying a small bag to carry knitting material for smaller projects. While buying a small bag always look for a bag that has soft sides, so that you can fit extra material without harming it. A drawstring and a short strap make it easier to wrap the bag around your wrist. If you carry bigger bags then it is possible that the small items get misplaced in your bag.

It is not necessary to buy a knitting bag, if you are enthusiasts enough then you can make one for yourselves. You can knit a bag or make it out of fabric in any case there are a lot of patterns to choose from. You can use any type of fabric or material to make a bag that pleases you and carries your load.

As you are aware of your needs, you know how to keep yourselves organized. Hence you can go for a tote bag which is simple and without interior pockets. A bag containing a series of pouches and slots is also a better option to store small needles and supplies in an orderly manner.

A knitting bag not only makes you mobile, but provides an opportunity to show case your talents. Whenever you sit in a garden, and people ask you about your knitting talents, you can easily teach them a stitch or two by carrying an extra needles and yarns in your knitting bag.

Knitting Bags (part 1 of 2)

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A knitting bag is as important as a needle for knitting. These bags make your project portable and easy to carry. It is important to have a good knitting bag which caters to your basic knitting needs. These bags have special compartments for your needles, yarns, and so on.

While choosing a knitting bag, always keep in mind the type of project you undertake. If you are a person who makes sweaters, Afghans etc then you will need a larger bag than the person preparing socks, and other small items. While choosing a bag always keep in mind, that is bag is for carrying knitting material from place to place, hence the stronger your bag the more objects you can carry.

If you are looking for a knitting bag that also serves the purpose of a purse, then try buying knitting bags which come in leather, or suede. There is a large variety of knitting bags in the markets. Some of the bags are fancy with embellishments while the others are simple but smart. Hence you can also choose a knitting bag that satisfies your mood or is a treat for an eye.

While picking your knitting bag always keep a track of the latest fashion and your needs. While shopping for bags always look for bags which have hard sides as it is easy to carry and more durable.

Instead of zippers always choose bags which have a snap, so that your knitting does not get stuck in between zippers.  You should always look for bags that have a pocket or two for keeping accessories. If you are buying large bags then always opt for the bags which have purse length handles, which makes it easy to carry it on your shoulders.

Cine Drilling Landscape architect (part 2 of 2)

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It is very probable that the director can find a large boulder. The cine drilling landscape artist drills the place around that boulder and create a ditch that looks like a natural riverbed. Now by circulating water in this ditch, the scene of a river flowing by a boulder can be created. The wooden bridge can also be set temporarily. This gives a far more reasonable and economical solution than moving entire crew to a suitable site and then shoot a single scene. In such circumstances a cine drilling landscape architect is indispensable.

The property department is virtually incomplete without a cine drilling landscape architect, if a director wants to shoot a magnanimous, action packed movie that requires a number of diverse location to give the touch or reality to his shots. Even though suitable locations are available, aesthetic sense demands some changes in the natural disposition of the location.

This is also well handled by a cine drilling landscape architect. He is as indispensable as a choreographer, a stunt director, or an art director. He can “beautify” the landscape to such an extent that these restructured locations are passed as “real life” locations and viewers crave to visit the location at least once.

The days are gone when the entire film was shot in a studio using colossal set. Now people demand movie to be more realistic. This demands for scenes to be shot in natural setting; and as the natural settings may not be suitable for such shoots, a cine drilling landscape architecture becomes one of the most crucial crew members during shoot.

Cine Drilling Landscape architect (part 1 of 2)

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We are always thrilled by the gargantuan scenes shown in movies. Some awe inspiring scenes of the film are shot on rough terrains, on huge boulders, on thrilling cliffs. All the stunts performed on these sites give a dimension of reality to the movie. Cine Drilling Landscape architect is all about such “sets”, which are specially “designed” for that particular scene.

Have you seen those breathtaking scenes in the film “Vertical Limit” or have you ever wondered about the terrain where “cliffhanger” was shot. Although most of the scenes in the film are shot in studios using some colossal sets, sometime real terrain and outdoor shoots are necessary to add “reality” to such scenes. This is where a cine drilling architect is needed to handle the situation.

Cine drilling architect is an artist who works behind the screen. You will not notice him on the screen but if you look at the natural “sets”, where the movie is shot you will find how his work has helped the film to become a great movie.

You might be wondering what a cine drilling landscape architect does, right? He actually “carves” suitable locations required for particular scenes. Suppose director needs a river, flowing by an enormous boulder, with a wooden bridge on it. It might be hard to find such a location and even if you find such a location, it may not be economical to go there with all the crew for a single shot. At such times a cine drilling landscape architect comes handy.

The Advantages Of Living Wills And Living Trusts (part 2 of 2)

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Without a living will, your immediate family members could face the possibility of paying large hospital bills. Aside from that, your savings account could also be used up to the point of bankruptcy.

So, in a way, the creation of a living will makes it possible for you to safeguard your family from the additional burden of searching for financial resources to pay for your hospital confinement and medical treatment – provided that the chances of recovering from your condition are very slim.  

On top of the financial encumbrance, living wills also take away the likelihood of disagreements when trying to reach a consensus about your medical treatment. So instead of fighting against each other to determine what's best for you, your family can concentrate more on accepting the inevitability of death.

Living Trusts

A living trust is a legally binding arrangement that places all your assets in a trust. More often than not, the grantor or creator also serves as the trustee. Although, you may also appoint another person or institution to act as one in case you lose interest in the duty or become incapacitated to fulfill your obligations.

Speaking of its advantages, a living trust allows you to manage your properties for the purpose of generating profits for your beneficiaries. In addition, it makes it possible for you to conserve or look after your assets' growth.

Another obvious advantages of living trusts are the probability of reducing estate taxes and controlling the administration or use of the assets long after the grantor has departed from the world of the living. These legal documents also offer protection for the beneficiaries against creditors.

The advantages of living wills and living trusts are indeed numerous. So before its too late, safeguard yourself and your family from the harsh reality of the inevitable and from the fact that things could turn out real bad without proper planning.

The Advantages Of Living Wills And Living Trusts (part 1 of 2)

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Planning for the future basically involves a number of benefits. For one, it prepares you and your family for the inevitable. Aside from that, it allows you to formulate your decisions level-headedly.

Then again, it is not unlikely for the task to become too emotionally charged at times, which makes it all the more fitting to get it done with a sound mind. But before you proceed with putting things in order ahead of time, it would certainly be a good idea to be familiar with the advantages of living wills and living trusts.

Living Wills

A living will contains instructions concerning your health care preferences in black and white. Your immediate family members, as well as your health care provider, will refer to these directives if you're incapable of making or expressing your decisions about medical treatment. Anyone who has reached the legal age of 18 – or 19, in certain states – may draw up his or her own living will, provided that he or she is also of sound mind.

The biggest advantage of making a living will is that it allows you to voice out your preferences on the subject of life support measures and other medical treatment options. Even though your family and friends may not hold the same philosophy about the matter, the creation of such a legal document gives you an opportunity to confer with them and explain your choices.

You also get the chance to justify how your morals and values influenced your decisions. This furnishes them with a better insight into what you would ultimately want to come about in such difficult situations.

Magazine publishing Career 101 (part 2 of 2)

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2. Additional expenses

Pulling out clothes for fashion shoots may seem fun. After all, it’s like shopping without having to pay for your choices. But wait until you yourself do the deed. You will be carrying armloads of clothes, shoes and accessories all in one day or look for unique fashion finds until your feet kills you. And be careful with staining the dress or ruining the material of the shoes. A small damage will mean paying for clothes that are beyond your monthly clothing budget. Some clothes will even be more expensive than your annual income.

3. Socializing with people you don’t know

The job will also entail attending events and parties. This is great for people who love the party scene and those who are exactly into the party circuit. But if you are the kind of person who would rather stay at home and read a book, this job may not be for you. Hobnobbing with the rich and the famous without genuine interest may come out as contrived and false. This is not good for your reputation and for reputation of the magazine that you work for.

4. Overlapping deadlines

If you think you will just be given one assignment in a week, think again. Most writers will have several coverage in a day! And what is more, they are expected to write all of them. If it has a time element, the stories may even be published in one issue.

5. Boring coverage

Not all events are fun and happening. In your job, there will be events that are super boring and worthless. But no matter how bad the event is, you need to write about it as it is your job. So if you are not creative enough to come out with something out of nothing, magazine publishing is not for you. You need to be able to find a connection between things that are not really there in the first place.

Sounds tough? It is. So it's definitely not for everyone.

Magazine publishing Career 101 (part 1 of 2)

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Working for a magazine is the ultimate dream job for most writers especially for girls who dream of getting those freebies and attending those exclusive events. But magazine publishing is not just about the events and the giveaways, it is about writing articles that readers of the magazines will respond to and relate to. This can be hard to do especially if your events are not really worth writing about.

Behind every page of the magazine is blood sweat and tears of the stuff. After all the fun, staffers will need to get back to reality and work on the material that they have gathered. They now have to write the article, do follow up interviews and even stay for layout and proofreading.

So before you apply for any magazines, here are some things that you need to know first. Read on and it might save you from going into a field that is not really for you.

1. Hard work

People only see the glamour behind the job but work in a magazine publishing is far from glamorous. For instance, you may get all the freebies for skin care but you have to sacrifice sleep in order to finish a deadline, harming your skin even more. With their stressful jobs and odd hours, these people really need skin care products!

The iPhone 3G: The Perfect Phone for Doing Business (part 2 of 2)

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Another great application that the Apple iPhone 3G can provide is that it will be able to provide you with a stock application. You can even download the Bloomberg Application which is free. With this tool, you will be able to keep track of the stock market in real time and know about the changes in the stocks you have. With this, you will never have to miss out in the opportunity to buy or sell your stocks.

After a hard day at work, you may want to try and relax. And, with the iPhone 3G, you will see that it will be able to provide you with this kind of benefit. With tons of music applications and with the large memory capacity, you will be able to store and listen to your favorite music while you are on the go. In fact, you can even download the songs you purchased in iTunes to your iPhone.

If you are more of a movie lover, then the iPhone 3G will be able to let you download and watch your favorite DVD movies on its large LCD touch screen.

These are just some of the many applications that the iPhone 3G can provide. As you can see, it will be able to give you all the things you need to run a successful business. With all the business applications that the iPhone 3G can provide, you can never go wrong with this gadget.

So, the next time you plan on purchasing a smart phone and one that will be able to provide you with the business application that you consider as essential in running your business, you might want to get the iPhone 3G.

The iPhone 3G: The Perfect Phone for Doing Business (part 1 of 2)

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A lot of people are now making the change to the all new Apple iPhone 3G. Besides, not only that this mobile phone looks good with its sleek and stylish design, but it also has a lot of features that will definitely make your life a little bit easier to live.

The Apple iPhone 3G is packed with features that you will definitely love. As a businessman, you will see that the iPhone 3G will have all the essential tools that you need to do business anywhere you go. With the Apple iPhone 3G, you will be able to do business even if you are not in your office or not in front of your laptop or desktop computer.

You need to remember that in business, you will need three necessary tools, which are email, internet and storage. The Apple iPhone 3G will be able to provide you with all these things and a lot more.

Basically, all you need to do is add your email account to your phone and you will be updated every time a new email arrives. And, the best part of all is that you will be able to read your emails as well as reply to them. You can even compose emails which is essential for any business. The fact that communication is one of the most important aspects in running a business, you will see that this tool will definitely come in handy.

The great thing about the Apple iPhone 3G is that the internet is much faster than in any other smart phones available today.

Another great thing about the iPhone 3G is its storage capacity. Starting at 8 GB and a memory extension up to 16 GB, you can be sure that you will never have to delete another message again.

Business Name and Branding (part 2 of 2)

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• If possible, do not use geographical names because it limits the scope of your business. However, this is an advantage if your product is associated with a given locale or affinity.

• Refrain from restrictive names to save you from trouble in the future in case you want to expand your line of business.

• Keep them short so as to produce memorable names.

Name as Part of Branding Strategy

A business name is not just a name; it represents your business identity. And in the business community, the way you represent and project your image is crucial in determining success. This is because perceptions, more than the actual value of the product or services, is essential in helping consumers decide on whether to buy that product or not. On top of the brand itself, it makes association with the company and its reputation. That is why most businesses spend and invest most of their efforts on building a trusted business reputation that will strengthen the trust of consumers on their company.

Your business name essentially determines how far your company will go in this endeavor. When people encounter your business or brand, you have only a meager amount of time to catch their attention. If you fail to do so, then you would have lost a potential customer. More than just intriguing, a good business name is one the compels your target market. If you can produce one, then it will surely catapult your business to your desired commercial success.

A good business name is not just a superficial aspect involved in branding but rather a legitimate business factor that must be taken into consideration.

Business Name and Branding (part 1 of 2)

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Importance of a Business Name

An effective branding system starts with a great name. Unless you can put a name to your company that will distinguish it, you cannot proceed with creating a brand. It is similar to a newborn child, who must first be named before he or she can create their unique identity. Only then can you proceed with succeeding methods that are aimed at creating your mark in the market and enabling your business growth.

Creating a Name

Naming a company or brand is not as easy as naming a newborn child. Indeed, multiple factors come into play such as producing a name with a good recall on the consumers, the type of product you have in your business, its features and usage, and other benefits that consumers can experience from using it. That is just one aspect of what you need to consider when naming your product or brand.

The other end of the formula requires you to envision yourself in the mindset of the consumers. How is the product useful to me? And what benefits can I get from using it? Add to that all other competing businesses that offer the same product as you do. These are all pointers you need to look into if you want to get a share of the market and increase sales production.

Do's and Don'ts

Creating a business name can be confusing sometimes, either for lack or excess of ideas that make it difficult filtering them out. Below are a few tips you should consider when naming a business:

• Opt for memorable and catchy names instead of generic ones that are difficult to register in the minds of the consumers.

• Never use names that literally describes the product. Go for creative ones.

Starting At Home: Your Own Dressmaking Business (part 2 of 2)

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When starting your own business and it is home-based, it can be difficult to let your business known.  Most of the advertising are too be done through word-of-mouth.  So, you would have to rely to your friends, relatives, and family.  They would be the primary promoters for your business.

You can advertise in the local yellow pages, local newspaper, post in community boards, and post some flyers around the community.  You can talk to local establishments if it would be okay for them to carry some advertisements like flyers.  A good way of getting known also is contributing your skill and talent to some community events, like local theatre performances, church activities, charitable events, and craft fairs.  These are great venues of meeting potential customers.

But if you have decided to work at home you would have to do some modifications. You would have to make sure that there would be space enough for you to keep your things, equipment and at the same time entertain visitors and customers that would visit you for fittings. When having customers over, it is best to advise your family so that they would be able to prepare.

When you also have decided to have your business set up at home and you have little kids, then it would be advisable to keep your working space closed.  This would keep little kids from touching harmful equipment and injuring themselves.

You would also have to consider business registration.  You could contact the local Chamber of Business to ask about taxes and business registration.  You could earn an average of $20,000 to $35,000 a year.  Some could earn as much as $60,000 just by dressmaking.  That is just by working at home.  So start transforming your hobby into a profitable business.

Starting At Home: Your Own Dressmaking Business (part 1 of 2)

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If you have the sense of fashion and people always comment on how nice the clothes that you have sewn yourself, then that could be a great idea to start earning at home. Right now, there are creative ways on how can you start earning additional money.

When starting a dressmaking or any sewing business, you would also need to be able to follow patterns, pay close attention to details and of course, have a business plan.  So, what exactly would you need to start a dress-making business?

First, you would need to consider what kind of clothes you are going to make.  There are a lot of things you can sew, you can do home decorations and accessories, bags, toys, pet clothes and or commonly, children, men’s and women’s wear.  The options are endless; you can do costumes, repairs, dance wear, and do custom sewing. If you are totally confused with what kind of sewing to do, then you can start identifying your target customers.  Determining your target would help define what you can make and sell.

When starting this kind of home business, of course you would need a reliable sewing machine.  If you have been sewing at home for a long time, then you must have a sewing machine already.  But if you are still planning to buy a new one, then make sure to buy a good equipment.  A sewing machine would normally cost from $129 to $6,000, the price depends on the model, brand and of course the functions that it include.

Aside from a sewing machine, you may also need a serger machine.  A serger machine can close fabrics and create seams similar to what you would see in industrialized shirts.    It would also allow you to create decorative stitches on different kinds of fabrics.  This could cost from $300 to $1600.  Other equipments that you would need would be simple and easy to buy, like measuring tape, rulers, scissors, needles, and dressmaking dummy.

The Body Language Of Men (part 2 of 2)

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Signs That He's Attracted To Me

Men's flirting actions are not that obvious compared to women. But when he is looking at you with a certain brightness accompanied with a smile, he definitely is into you. Raising the eyebrows are flirting signals as well, but observe if he raises his eyebrows at anyone or only at you. Men also would love to close the distance between the woman he likes and himself. He loves to lean forward and whisper in her ear just to be closer.

Bottom line is, when a man treats you differently than he usually treats other people, he is attracted to you. Do not immediately interpret that a man's tender actions towards you already indicates flirtation. He may be the same with other people.

Masculinity: The Macho Pose

Men usually shows their prowess by doing the macho pose. They would try to stand or sit tall, square their shoulder, and hook their thumbs into the belt. Stroking his tie and putting the hands on the waist are also gestures indicating masculinity.

“I Am In Control.”

A typical male wants to show that he is the boss or he is in control in any situation. Before a man closes a distance between himself and the other person involved, he would first stand a little farther. This allows him to make observations about the situation, and when he has gotten control of it, he would move closer. They also tend to lean back when listening, except when the person is the woman he is attracted to.

Women usually get annoyed with how bland or unsatisfying men's methods are in treating them. But it is indeed a fact that most men are alike in terms of body language. Male body language is difficult to analyze if you only have literal means of reading them. One way to truly understand a man is to interact with them and explore their personalities.

The Body Language Of Men (part 1 of 2)

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Men are indeed much more difficult to read compared to women. It is because they are less expressive and have reserved facial expressions. Fact is you cannot know a man well enough without interaction for a period of time. But here are some tips on the interpretations on the typical acts of male body language. By understanding men, you will know when he is flirting and the normal male behavior; in the end, you may find men's behavior less annoying and less difficult to read.

Typical Acts Of Men

There are only a few signs of body language common among males, these include reserved facial expression, head tilting, fidgeting, finger pointing, and direct confrontation.

Men are less expressive than women. It is rare that a man's face will truly brighten. But nonetheless, their eyes are never dull when they are interested on something or someone. A man would also tend to tilt the head during a conversation. It does not mean anything negative – it is just typically male. They usually also cannot stay still, thus they fidget and move around more than women do.

Pointing a finger at someone has always been regarded as a rude act. But this gesture comes naturally in men. They usually do this when they want to emphasize what they are saying. Men also usually does not walk away from conflict or arguments. They would confront you directly by facing you with an intense look in the eye, but there are times when they would simply walk away.