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  22. <title>Online Business Cards &#8211; Determining Its Versatility</title>
  23. <link>https://asdjhzxms.info/58</link>
  24. <comments>https://asdjhzxms.info/58#comments</comments>
  25. <pubDate>Fri, 12 May 2023 11:03:52 +0000</pubDate>
  26. <dc:creator>admin</dc:creator>
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  28. <category><![CDATA[best business ideas]]></category>
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  44. <description><![CDATA[The online industry rapidly evolves today because of the innovation, convenience and reasonable prices that every online company provides to consumers. People start switching to online services because there are several beneficial factors that they can get when they choose to shop online. Tasks and transactions are done faster with the use of the internet [...]]]></description>
  45. <content:encoded><![CDATA[<p> The online industry rapidly evolves today because of the innovation, convenience and reasonable prices that every online company provides to consumers. People start switching to online services because there are several beneficial factors that they can get when they choose to shop online. Tasks and transactions are done faster with the use of the internet and effective online management systems. Online services have many advantages compared to non-online services. Mostly, clients find it easier and more affordable to purchase the things that they need in online shops. Dependable online service providers assure individuals to attain the satisfaction that they expect. Requesting unique and exceptional online business cards is great evidence on how majority of individuals shifted to online services from traditional ones maybe because they have realised the versatility of business cards printed online. Each online printing company offers a wide range of services regarding creating, designing and printing cards. Online printing companies are keen to provide excellent and gratifying services for their clients and other potential customers. When it comes to designing, personalising and printing cards, rely on the professional service providers who are found on the internet.The online printing industry has been wholly revolutionised. Business card creation is trending in the online market nowadays. You will see how printing procedures have been improved over the years. Generating a distinctive card template can be now effortlessly done with the help of modern and powerful printers. Skilled web designers who have unlimited imaginations will certainly help you achieve the appropriate design that you desire for your personal business cards. It is easy nowadays to produce appealing and tailor-made card prints because the online industry has been tremendously evolving. Online printing services are really versatile in the sense that consumers won&#8217;t be having a difficult time to create and print their business cards to be used for their business promotions. There are ready designs and templates that they can select online. The precision in printing cards is certainly achievable from online printing providers. The acceleration in the printing process can be greatly seen in the sophisticated online printers. Online business cards usually come with convenience; therefore, consumers should opt for online printing services offered by reputable companies.It is necessary to check the pricing and the quality of work delivered by a certain company. Isn&#8217;t it nice to obtain quality printed business cards at a low price? Online printers perform faster, are more precise and a lot better compared to ordinary and obsolete printers. Whether you seek business card, brochure, sticker or flyer printing services, choosing an online printing service is a great choice. Enjoy benefiting from enhanced printing quality services offered online. </p>
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  51. <title>Factors in the Stability and Growth of the Telecommunications Sector</title>
  52. <link>https://asdjhzxms.info/56</link>
  53. <comments>https://asdjhzxms.info/56#comments</comments>
  54. <pubDate>Fri, 12 May 2023 05:44:14 +0000</pubDate>
  55. <dc:creator>admin</dc:creator>
  56. <category><![CDATA[Uncategorized]]></category>
  57. <category><![CDATA[Telecommunications]]></category>
  58.  
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  60. <description><![CDATA[There seems to be two major factors that are contributing to both the growth and changes in telecommunications. What are these two factors? Hands down it is technology and competition. With all the daily changes in technology and a more competitive market, we are starting to see profound growth in the telecommunications industry on a [...]]]></description>
  61. <content:encoded><![CDATA[<p> There seems to be two major factors that are contributing to both the growth and changes in telecommunications. What are these two factors? Hands down it is technology and competition. With all the daily changes in technology and a more competitive market, we are starting to see profound growth in the telecommunications industry on a global scale.So what exactly contributes to this growth and change? Let us take a few minutes and break it down a little further for clarification purposes.The faster you can transmit data and the more data you can transmit at one time over the same bandwidth, the more efficient you are going to be. Furthermore, this is going to allow you to transmit a higher quality of data. Okay, most of us have heard of fiber optics, right? One great thing about optical fiber is that is has the capacity to transmit huge and I mean huge amounts of information or data digitally. Satellites also have the ability to both transfer huge amounts of data and transmit this data to remote areas without technicians having to lay or string wire of any kind.In addition, most, if not all telecommunication networks, are rapidly becoming completely digital, as I have already discussed, so that they can essentially send a lot of information in small streaming bits over a wired network. This too equals efficiency, quality, and frees up bandwidth for other services. These are huge and I mean huge technological advancements.No folks, I did not forget about the advancements in wireless technology. Wireless, everything is going wireless today. Every stop and think why? Over the past decade, there have been tremendous advancements in wireless technology. With such technologies as Personal Communication Services (PCS) and Low Earth Orbiting (LEO) Satellites, literally anyone anywhere will soon be able to get  personal communications without having to rely on copper wire or fiber being strung. Are you saying that someone in a very remote area of the world will be able to get personal communications without a wired infrastructure? You bet that is what I am saying and it is currently happening as you read this!Ever hear the term multimedia? How could you not living in today&#8217;s day and age. But, do you really know what it means and how it has contributed to the growth of the telecommunications industry? The term multimedia simply means that various forms of media such as sound, video, graphics, and text are combined or integrated into one package or device. To better understand multimedia, think about commercials on TV and how the advertisers use sound, video, graphics, and text to deliver their message to you. Think about how your cell phone can connect to the internet, take pictures and record video, and also telephone your friends. This is multimedia at work, folks!Along side multimedia, you have the concept of multimodal or multimodal interaction. It is fair to say that this term is not as widely used as multimedia, but it is very important nonetheless. Multimodal interaction simply means that users have multiple modes or ways of interfacing with a system beyond just using a keyboard and mouse. The most common real world application of multimodal interaction is by combining something visual (a display screen) with some kind of voice recognition (speech recognition, recorded audio, etc.). This increases human computer usability. A great example of multimodal interaction is Microsoft&#8217;s new Sync that is currently in new Ford, Lincoln, and Mercury automobiles. Essentially Sync is an in-car communication and entertainment system that uses a fully-integrated voice activated system to control your mobile phone and digital music player.Given how multimedia and multimodal technology is rapidly changing, it is really not that hard to see why the telecommunications industry will continue to see huge growth in the years to come. To think that it will not is kind of like thinking that technological advances will just stop. We know that will not happen! Kind of makes you think that figuring out a way to make money in this industry would certainly help pad your pockets for a long time to come! </p>
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  67. <title>How to Track Your Finances on the iPad</title>
  68. <link>https://asdjhzxms.info/54</link>
  69. <comments>https://asdjhzxms.info/54#comments</comments>
  70. <pubDate>Thu, 11 May 2023 15:25:27 +0000</pubDate>
  71. <dc:creator>admin</dc:creator>
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  103. <description><![CDATA[Numerous of the developers which have talked to us, have stated the iPad&#8217;s huge screen produces more than a superficial variation between iPhone and iPad apps. The bigger display can make apps additional valuable since developers can really present a whole lot much more data to us in their apps. This generates yet another playground [...]]]></description>
  104. <content:encoded><![CDATA[<p> Numerous of the developers which have talked to us, have stated the iPad&#8217;s huge screen produces more than a superficial variation between iPhone and iPad apps. The bigger display can make apps additional valuable since developers can really present a whole lot much more data to us in their apps. This generates yet another playground for financial apps.I do like to course my stocks and investments. However, I don&#8217;t like jumping from site to web site to verify my investments and industry status. Personal finance, at the least for me, is a great deal about visualization. I&#8217;ve attempted many situations to gain access to my personal details via my smartphone, but is really a touch challenging to view charts. Reading personal data, it is a little bit much more dense visually. The touchscreen capabilities for the iPad, creates the whole experience very much more interactive and intuitive. At the very least, inside the comfort of the home, hotel, or even during holiday.All of you early iPad adopters or possible buyers, are figuring out tips on how to very best use the iPad on the go. If you have an iPad, or are thinking about acquiring one, here are a few finance apps you may possibly would like to try.E*Trade Mobile ProTheir new iPad app virtually resembles your PC. You really do not need to have an E*Trade account to abide by a list of stocks and financial information. Nonetheless, if you are an account holder, it is possible to do anything as you generally would by means of a desktop pc. You obtain admittance to reside quotes, account balance, and can make trades. If you are an avid trader (trade 10 times per month or 30 situations per quarter), you obtain to watch reside video from CNBC. This app is offered for the Application Store for no cost.Market place ScanThis app lets one to comply with personal information by means of your favorite internet web sites. For example, you&#8217;ll be able to monitor your securities portfolio rather than bookmarking numerous pages within the internet, you may use a customizable dashboard for stocks and information you tend to adhere to. This app is accessible about the Application Storefor $3.99.Thomson Reuters MarketboardAssists you trail the movements of planet markets and comply with lots of company information. What I like about this application, is that it lets one to dig deeper into distinct businesses by tracking corporate events, for instance earnings announcements. You&#8217;ll be able to also preview transcripts of calls with analysts or other events for no cost. This app may be useful if you are another person that&#8217;s enthusiastic about the particulars linked with a special personal market-moving event, as opposed to macro-level news. This app is available within the Application Store for free of charge.Expense TabletThis application permits you to generate a spending budget, customize categories and track your monthly spending. It is possible to course the balances in several accounts. The only drawback, you will ought to input details manually and the app won&#8217;t connect to your bank. Even now supplies an effortless way for one to maintain course of the finances. This application is obtainable on the App Store for $1.99. </p>
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  110. <title>There is an excessive amount of traffic coming from your Region.</title>
  111. <link>https://asdjhzxms.info/51</link>
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  113. <pubDate>Thu, 11 May 2023 10:16:39 +0000</pubDate>
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  138. <content:encoded><![CDATA[<p>#EANF#</p>
  139. ]]></content:encoded>
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  144. <title>10 Keys to Credit Card Processing</title>
  145. <link>https://asdjhzxms.info/49</link>
  146. <comments>https://asdjhzxms.info/49#comments</comments>
  147. <pubDate>Sat, 08 Apr 2023 22:59:12 +0000</pubDate>
  148. <dc:creator>admin</dc:creator>
  149. <category><![CDATA[credit cards]]></category>
  150.  
  151. <guid isPermaLink="false">http://asdjhzxms.info/?p=49</guid>
  152. <description><![CDATA[Top 10 Keys to Lower your Credit Card Processing Costs1. Switch to Interchange Plus Pricing 2. Know your Business Type 3. Get set up under the correct Visa/MasterCard Program 4. Know your card mix and average transaction 5. Use Latest Processing Technology 6. Review your statements (at least every 6 months) 7. Accept All Card [...]]]></description>
  153. <content:encoded><![CDATA[<p> Top 10 Keys to Lower your Credit Card Processing Costs1. Switch to Interchange Plus Pricing<br />
  154. 2. Know your Business Type<br />
  155. 3. Get set up under the correct Visa/MasterCard Program<br />
  156. 4. Know your card mix and average transaction<br />
  157. 5. Use Latest Processing Technology<br />
  158. 6. Review your statements (at least every 6 months)<br />
  159. 7. Accept All Card Types and transaction methods<br />
  160. 8. Be in Contact with your account executive<br />
  161. 9. Get multiple bids for card processing service<br />
  162. 10. Buy value &#8211; not priceIntroductionCredit card processing continues to become more complicated with new fees, technology and regulations. We realize that you can be overwhelmed with all the changes.As a small business owner, you are inundated with offers from credit card processing companies that promise to save you money. Usually most offers start with a low rate. Each merchant services provider tries to trump another with that lower rate to win your business. If you have been in business for some time and switched processors, you might have realized that these low offers do not always pan out.In fact from 2000 to 2010, the average credit card processing rates for retail have risen from about 2.00% to 2.66% not including extra fees like statement fees, batch fees and PCI fees. This rise is despite a huge drop in debit card rates and increase in debit card usage. Why the increase? Rewards cards are one of the main culprits. Banks are passing on the cost of those fancy rewards, airline miles, etc, to the merchants.The second main reason is a lack of merchant processing education. Merchants are trained by the banks to respond to low rates. The problem is that there are 440 Visa/MasterCard/Discover rates and the banks are only showing you the lowest transaction rates.The correct question to ask is not &#8220;what is your rate?&#8221; but &#8220;what is your effective rate?&#8221; The effective rate takes into account all the possible Visa/MasterCard/Discover categories for which a transaction may qualify. Knowing your effective rate will give you a more accurate estimate as to the true cost of your processing. You can figure out your effective rate by using a simple formula.Effective Rate = Monthly Processing Charges/ Monthly Processing Volume.For example: If you process $10,000 dollars a month in volume and your processor charges you $300, your effective rate is$300/$10,000 = 3.00%This guide outlines 10 key strategies to lower your card processing costs. Below is a detailed explanation of each key strategy. By following these steps, you will be an expert in credit card processing and you will do yourself a favor by lowering your processing cost to the maximum extent and saving substantial amounts of money.10 Keys<br />
  163. 1. Interchange Plus Pricing (IC Plus)<br />
  164. This type of pricing used to be reserved for Fortune 500 companies. Not any more. Now, even Mom and Pop shops can take advantage of IC plus pricing savings. Banks are hesitant and sometimes outright refuse to give IC plus Pricing to small businesses because the banks are unable to maximize their profits. They would rather sell you the much more lucrative Enhanced BillBack or 3-Tier pricing, which is much more lucrative.The recent Durbin Amendment makes it imperative that you switch to Interchange plus pricing to ensure you realize the cost reduction savings. Merchants that are not on interchange plus pricing will see their savings go to the processor, which is not compelled by law to lower the rates. (Please see Durbin Amendment Savings at the end for more details.)There are many independent credit card processing organizations (ISO) that will offer you IC Plus pricing. You should take them up on their offer. There are many reputable ISO&#8217;s in the market.Why Interchange Plus Pricing?As mentioned before, there are 440 different Visa/MasterCard/Discover Categories and you want each one of your sales transactions to qualify for the lowest possible rate category. IC Plus Pricing places each transaction in the appropriate category and charges the corresponding rate. No other pricing method does this. For example, the most common pricing method, 3-Tier, places each transaction according to the processors&#8217; preferences. The processors prefer placing most transactions in the mid- and non-qualified tiers as opposed to a qualified tier. Yet, these same processors will sell you on the qualified rate tier. This is an example of bait and switch.IC Plus pricing is pretty simple. There are three components that make up your rate.Interchange + Visa/MasterCard/Discover Assessment Fee + Processor RateInterchange consists of 440 rate categories. For most businesses, only about 60 categories will apply. That is still a lot. The range of rates varies widely from 0.95% + $0.10 for debit cards to 3.25% + $0.10 for certain corporate cards.Assessment fee is the rate Visa/MasterCard/Discover charge for each transaction. Currently this fee is 0.11% + $0.02 and does not vary by card or transaction types.The processor fee is the rate and/or transaction fees your processor charges. This is the only negotiable part of the interchange fee available to the merchant. Please keep this in mind when negotiating with potential processors. This fee does not vary by card or transaction types.To get the final rate, you simply add up all the components. For example, a<br />
  165. Visa Retail Transaction Rate would look like this:1. 54% + $0.10 + 0.11% + $0.02 + 0.10% + $0.13 = 1.75% + $0.25Always remember that swiped transactions have lower rates than keyed transactions. Swiped or keyed business card transactions have higher rates than swiped or keyed consumer card transactions. Debit card transactions have lower rates than credit card transactions.Please remember in choosing your pricing method, you want to lower your effective rate. The rate range is more important than the lowest rate. The lowest rate only applies to one transaction type. The rate range applies to all the cards and, ultimately, determines your effective rate.2. Know your Business Type<br />
  166. Visa/MasterCard use pricing indicators or business types to apply discounts to your rates. In the beginning, Visa/MasterCard used to charge one rate for every industry. Some industries refused to accept credit cards because they thought the rates were too high and cut into the profit margin. Supermarkets were one of the biggest holdouts. So, Visa/MasterCard began offering discount rates to specific industries, card types, and processing methods. This is why there are 440 different rate categories. These discounts paved the way for credit card acceptance at supermarkets, gas stations, and fast food restaurants.Your business may qualify for one of Visa/MasterCard&#8217;s special programs.For example, if your business has an average transaction of less than $15, you may qualify for the small ticket program. If you are paying 1.64% + $0.25 per transaction now, then under the small ticket program you could get your rates as low as 1.65% + $0.04. Now your processor will probably tack on another six cents to cover its costs. Still, you would save fifteen cents a transaction or 1.5% on a $10 transaction.Visa/MasterCard has programs for most industries like restaurant, B2B, MOTO, quick serve restaurants, convenience store, hotel, gas stations, supermarkets, charities, insurance, utilities, government etc.3. Get Set Up Properly<br />
  167. Once you know your business type, make sure that you are processing under that correct business type to take advantage of the savings. You will need to call your processor and ask. If you are not set up properly, you need to find out why and fix it. Your processor may not have intentionally set you up under the wrong business type, but it has reaped a financial reward from you. This is why you need to constantly be pro active in accepting bids for your merchant services. Do not become complacent with your current provider because, like it not, many have their best interests at heart.4. Know Your Card Mix and Average Transaction<br />
  168. There are dozens of card types such as personal cards, rewards cards, corporate cards, debit cards, purchase cards. Each type of card has a direct impact on the rate that you pay. Having a break down of the card types effectively minimizes your processing charges.You will also need to know the percentage of swiped transactions, keyed in transactions, and business card transactions. Let&#8217;s say your processor provides you with a super low swiped rate but you key in most of your transactions. Another situation is if you are set up with a low consumer card rate even though you take mostly business cards. Remember many processors will sell you a low rate to get your business but that rate may not apply to the majority of transactions. A higher rate may apply. For this reason, you need to know your mix of card transactions.If you are not sure of your card mix, your processor should have a website so that you can review your transactions. Some processors&#8217; websites provide in depth analyses of your transactions. Use this valuable information to your advantage.Although IC Plus pricing offers the greatest savings for most businesses, there are some exceptions. For example if you accept 95% personal cards swiped through your credit card terminal, you would be better off with a low 3-Tier pricing. The reason is that you can predict that nearly all of your transactions will qualify at the lowest qualified rate and only a few transactions will qualify at the higher mid- and non-qualified rates.If you take a majority of business cards, you might be better off with a special B2B pricing program. Most small business owners are not sure of their card mix. Usually, the card mix is all across the board. In this case, you are better off with IC Plus pricing.Knowing your average transaction will save you money. You can find your average transaction on your statement or simply divide your monthly volume by the monthly number of transactions. This is important to know, because if your average transaction is below $15, you may qualify for the small ticket program. If you have a high average ticket, your business may benefit from pin debit savings.5. Use Latest Technology<br />
  169. A few years back, there was the story of the merchant who had purchased one of the first credit card terminals, the VeriFone Zon Jr. XL, which was very expensive. He had heard so many stories about his fellow merchants getting swindled on terminals that he vowed never to buy another terminal again.One day a merchant services rep walked into his store and analyzed his statement. He noticed that his rates were extremely high. When he saw the Zon Jr. terminal, he realized that the obsolete equipment was the cause for the surcharges. The sales rep tried to convince the merchant that to save money he needed new equipment. The sales rep explained that the Zon only read the one track of information embedded on the back of magnetic strip of credit cards. Visa/MasterCard required that both tracks be read. The merchant would not budge.Another five years passed and the Zon finally gave out. The merchant coughed up the money to purchase a new machine. The next month, he noticed that his processing charges per transaction were nearly two percent less than the month before. The sales rep was right. The merchant saved a few hundred dollars on keeping his old equipment, but lost thousands of dollars in unnecessary fees because he was incorrectly processing transactions. The moral of the story is that to ensure you maximize your savings you need to use the latest equipment and technology.Another factor to consider is PCI Compliance. PCI Compliance is the credit card processing industry&#8217;s program to eliminate fraud by compelling merchants to follow their security regulations. Some older terminals are no longer PCI compliant and merchants who continue to use those terminals will face heavy fines if their terminals are compromised.6. Review Your Statements<br />
  170. Most merchants seldom, if ever, review their statements on a monthly basis which is not a good idea. Do not expect your accountant to review and pick up irregularities from your statement as many CPA&#8217;s are unfamiliar with statements.When you look at the statement, look for any changes in rates and fees and any other irregularities.April and October are the two months out of the year when you must review your statements. These months are when Visa/MasterCard Association meets to set rates for the year and when your rates are most likely raised. If they are raised, talk to your dedicated account executive or your processor&#8217;s retention department and kindly ask them to lower your rates. If they are resistant, then switch processors because it is obvious that they value those few extra pennies over your business.7. Accept All Card Types and Transaction Methods<br />
  171. There is an old adage in business &#8211; if you want more sales, make it as easy as possible for your customers to pay. That means accepting all the cards &#8211; Visa, MasterCard, Discover, American Express, JCB and debit cards.Some merchants refuse to accept American Express because the rate is too high. The question you need to ask yourself is if you mind paying the higher transaction costs to gain a sale or mind losing the sale to save on the higher transaction cost. If the former is more important to you, accept American Express.A few years ago, pin debit used to be the best way to cut your processing costs. That is not always the case anymore. Visa/MasterCard have cut the interchange rates for signature debit transactions. The debit networks have raised their transaction fees. But for merchants with high average transactions, pin debit is still a great tool to save money because the debit transaction costs are so much less.If you are a retail business, ask your processor if they offer check guarantee. If you truly want to lower your transaction costs many check guarantee companies like Telecheck and Certegy offer rates below 1%. Then put up a sign that you welcome checks because some people still write checks.8. Be In Contact With Your Account Executive<br />
  172. Do you have a dedicated account executive? Do you know who your account executive is? If not, then you need to get a new processor with an account executive assigned to your business. There are so many changes occurring in credit card processing industry that you need to be pro active in your response. You need a go to guy to help you. That&#8217;s your dedicated account executive.A good merchant services account executive can help you analyze your statement; ensure that you are set up under the correct business type; help you decide the best pricing method; advise you on the latest technology; help you win charge backs; and, resolve other issues.9. Get Multiple Bids for Card Processing Service<br />
  173. When was the last time you had your statement analyzed? More importantly, when was the last time you even looked at your statement. If your business is like most businesses, 50 percent or more of your revenue is generated through credit card payments. It pays to know what you are paying and ensuring that you are not paying too much.The best way to the best deal on credit card processing is to get multiple bids. When banks compete, &#8220;you win&#8221; is not just a slogan but good advice. Getting multiple bids may appear on the surface to be time consuming.10. Buy Value &#8211; Not Price<br />
  174. There is a famous saying that goes &#8220;price is a one time thing, cost is ongoing.&#8221; Many merchants are lured into bad processing agreements by artificially low rates and/or &#8220;free terminals.&#8221; These offers are constantly advertised on the Internet. &#8220;Rates as low as&#8230;&#8221; and &#8220;free terminal with every account&#8221; are just some of the offers. Don&#8217;t be fooled. If you have reached this point in the guide, then you have educated yourself pretty well.You know that rate means nothing. Effective rate is everything. (Effective rate is all your processing costs divided by your volume.) Rate is what got you to sign. Effective rate is what you actually pay.Go with a company that offers the latest technology. Do not pay extra fees or PCI compliance penalties because of obsolete equipment. Look for added value like loyalty programs, gift cards, check guarantee, online account access, POS systems. Other services and products like these can give you a competitive advantage. If you do not take advantage of them, your competitors certainly will.Go with a company with a dedicated account executive. Ask the processor what happens if your account executive leaves? Can you be assigned a new one? A good account executive can save you much time and money which is worth a little extra fee for that service.Go with a reputable company that tailors its processing to your business needs. Many merchants think they can solve this problem by going to their banks. Banks do not have the same control over merchant services like other products they sell. Most banks outsource their merchant services to big processors like First Data, Elavon, and Paymentech. As mentioned before, the banks want to profit off of you by making a profit from your business. Do not expect to get a good deal from your local bank. But do expect to get a sympathetic ear when something goes wrong. Do not expect your banker to be able to do something about it.Second, your processor should be able to accommodate your needs. If you need next day funding, have large transactions, take advanced payments, or want to accept health savings cards or fleet cards, your processor should be able to work with you to create a plan that will meet your needs. If not, find a processor who can help you with these objectives.Be wary of free terminal offers. As the sayings go, you get what you pay for and there are no free offers. Credit card terminals are not free to the processor and the processor will make sure it gets a return on the &#8220;free&#8221; terminal it gave to you. Find out what that cost is. The cost could be an obsolete terminal, a long-term commitment, or excessive penalties for non-return of equipment.Keep searching. If you are not completely satisfied with your current processor, then change processors. The competition for merchant service accounts is fierce. You are in the driver&#8217;s seat. The best advice when choosing a credit card processing company is picking a company which you believe has the most integrity and honesty. This will keep you in a good position over the long run.The Durbin Amendment SavingsSmall businesses have received the biggest reduction in their credit card processing charges in the history of the electronic payment industry, but if they are set up correctly.The Dodd &#8211; Frank Wall Street Reform and Consumer Protection Act of 2010 included an amendment, the Durbin Amendment, which greatly impacts your credit card processing or more specifically your debit card processing charges. This Durbin Amendment affects both signature and pin based debt interchange rates by drastically lowering them as of October 1, 2011.Prior to October 1, 2011, the debit card processing rates (debit interchange rates) were set by Visa/MasterCard at 0.95% + $0.20 for Visa and 1.05% + $0.15 for MasterCard. The Federal Government led by Senator Richard Durbin intervened and under the Dodd Frank Wall Street Reform and Consumer Protection Act reduced the debit interchange rates to 0.05% + $0.22.Merchants that process debit cards whether signature debit or pin debit will see huge savings on their merchant account processing statements in the future. Debit, both pin and signature, comprise nearly 50 to 70 percent off all card transactions. Merchants could see their credit card processing charges cut in half. That equals real savings.Unfortunately, many merchants, who do accept a high percentage of debit cards, may not see any savings, because their current credit card processing plan does not allow for the Durbin Amendment reduction. Instead their debit interchange savings will be going to their processors.This is especially true for merchants who are on 3-Tier and Enhanced BillBack pricing. Processors are not compelled by law to reduce the rates. They are only reducing one component of your rate, Interchange, but not the other two components, Visa/MasterCard assessment and the processor&#8217;s percentage.There is away around this dilemma to ensure that your company realizes the debit interchange savings. This requires the merchant to switch to interchange plus pricing. This will guarantee that you will receive the reduction.The reason is that under IC plus pricing, the processor is compelled to set the interchange rate at the current bank rate and then add his percentage on top. </p>
  175. ]]></content:encoded>
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  178. </item>
  179. <item>
  180. <title>Online Gambling Debts &#8211; How to Deal With the Causes and Effects of Online Gambling Debts</title>
  181. <link>https://asdjhzxms.info/46</link>
  182. <comments>https://asdjhzxms.info/46#comments</comments>
  183. <pubDate>Sat, 08 Apr 2023 22:32:09 +0000</pubDate>
  184. <dc:creator>admin</dc:creator>
  185. <category><![CDATA[Gambling]]></category>
  186.  
  187. <guid isPermaLink="false">http://asdjhzxms.info/?p=46</guid>
  188. <description><![CDATA[One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. [...]]]></description>
  189. <content:encoded><![CDATA[<p> One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.Legal Issues Around Gambling DebtsWhen we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.How To Deal With Debts Caused By GamblingIn dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.Factors Leading To Internet Gambling DebtsIt may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.Online Gambling Debts &#8211; The Warning Signs You may have a problem if you can answer yes to any of the following questions:When you are not gambling, do you think about gambling and how you are going to get back to it?Have you ever missed work because of online gambling?Do you feel the need to gamble again after winning or losing?Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:Be open with friends and family and seek help with the problem.Cancel any accounts you have with websites for online gambling.Consider using software that blocks your access to online gambling websites.Keep a proper, ongoing record of everything you spend &#8211; take steps to bring home the fact that the money you are using is real. </p>
  190. ]]></content:encoded>
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  193. </item>
  194. <item>
  195. <title>Owner Financed Homes to Your Rescue</title>
  196. <link>https://asdjhzxms.info/44</link>
  197. <comments>https://asdjhzxms.info/44#comments</comments>
  198. <pubDate>Fri, 17 Mar 2023 18:02:43 +0000</pubDate>
  199. <dc:creator>admin</dc:creator>
  200. <category><![CDATA[Uncategorized]]></category>
  201.  
  202. <guid isPermaLink="false">http://asdjhzxms.info/?p=44</guid>
  203. <description><![CDATA[Owner financed homes though rare are not an impossibility. There are certain unique situations where the landlord pays your rent. These homes have gained popularity with people who can benefit from this unique situation. Owner financed homes, are a technique where the buyer borrows from the owner or the seller, in cases where the buyer [...]]]></description>
  204. <content:encoded><![CDATA[<p> Owner financed homes though rare are not an impossibility. There are certain unique situations where the landlord pays your rent. These homes have gained popularity with people who can benefit from this unique situation. Owner financed homes, are a technique where the buyer borrows from the owner or the seller, in cases where the buyer cannot arrange for a loan for the full amount from the bank.Though the position is a bit tricky, it can be arranged. It has now become a viable option in the buyers&#8217; market. In owner financed homes part of the finance minus the down payment of the buyer is carried by the seller. If the property is free from any existing loans, the seller may agree to finance the buyer. But, both the parties involved should decide on the price, the interest rates, the monthly amount and the tenure beforehand to protect their own interest; the agreement must be recorded in public records and the buyer pays on an installment basis. The interest rates are normally higher in these cases.In an owner financed homes, the landlord normally looks for a substantial amount of down payment to protect his equity and this can be around 30%. Another reason landlords stress on substantial down payment is that then buyers will not go for a foreclosure if more money is involved from their side. There are different types of owner financing options depending on the mortgage, land contracts, lease purchase agreement, and so on.Let us explore the reasons why the seller and the buyer might want to go for an owner financed home, and how it works. Most importantly, they can both go for tailor-made financing and can choose the one that suits them the best like balloon-payment, interest only, less-than-interest or even fixed rate amortization. The credit report or the credit history of the buyer becomes less important; there is the flexibility of the down payment decided by both the parties and the same in case of repaying the amount. Since the process involves less paper work, the possession is faster.The total process may be more lucrative to the seller, as he might be in a better position to dictate terms and can ask for full list price or even higher, and the interest rates are also higher. The seller will get tax breaks, as the property is an installment sale and at the same time be assured of a steady disposable income. Since owner financed homes attract a different set of buyers, you will have to be careful and it is better to consult a real estate lawyer who can give you sound advice. </p>
  205. ]]></content:encoded>
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  208. </item>
  209. <item>
  210. <title>Digital Marketing And Its Importance</title>
  211. <link>https://asdjhzxms.info/42</link>
  212. <comments>https://asdjhzxms.info/42#comments</comments>
  213. <pubDate>Fri, 17 Mar 2023 16:26:57 +0000</pubDate>
  214. <dc:creator>admin</dc:creator>
  215. <category><![CDATA[Uncategorized]]></category>
  216.  
  217. <guid isPermaLink="false">http://asdjhzxms.info/?p=42</guid>
  218. <description><![CDATA[Undoubtedly, the new and smart strategies for the businesses are the need of the hour. The market is now full with small and large scales business, thus the biggest challenge that both the consumers and producers both have to face is the presence of different brands selling the same product. For example, if you go [...]]]></description>
  219. <content:encoded><![CDATA[<p> Undoubtedly, the new and smart strategies for the businesses are the need of the hour. The market is now full with small and large scales business, thus the biggest challenge that both the consumers and producers both have to face is the presence of different brands selling the same product. For example, if you go to a store for buying dark chocolate, you can easily find 6-7 brands selling the dark chocolate even at the same price. This is the level of competition, which producers are facing these days. Therefore, to make your product recognized by everyone it is important to standout your business presence in the online world with smart digital marketing tactics.What is Digital Marketing?Digital Marketing is a broad term that includes advertising, promoting, and strengthening the online presence of businesses through digital platforms. Some of the digital tactics that fall under the umbrella of &#8216;Digital Marketing&#8217; are digital advertising, email marketing, content marketing, pay-per-click, online brochures, and more. Unlike other offline marketing efforts, digital marketing allows getting accurate results in real time. For example, if you put an advertisement in the newspaper, it is nearly impossible to estimate how many people flipped to that page and paid attention to that ad. While with digital marketing, you can easily measure your ROI of any aspect of your marketing efforts. According to Crux Creative Solutions Private Limited, one of the best online marketing agencies in Delhi NCR is here to explain why digital marketing has become so important.Website Traffic: As discussed above, it is very difficult to understand how people are engaging with your brand through offline marketing. While online marketing helps you in identifying trends and patterns about how people are behaving with your brand. Hence, you can make better strategies in the future to attract more and more consumers to the website. Not only can this, with digital marketing you get the exact number of people who have viewed your website&#8217;s homepage in real time by using digital analytics software. These stats help you in deciding which digital strategies to continue and which to stop using.High Visibility on Search Engines: Search Engine Optimisation is another powerful digital marketing strategy that offers a variety of benefits to the business owners. As discussed, there is tough competition between the brands in the market. When we search any service on the search engine, we get 100s of results. Naturally, we believe in the top five searches because they are the most reliable website links according to Google. Thus, by optimizing your website content through digital marketing strategies, you can reach to more online buyers.Content Performance: Online marketing lets you estimate your content performance. Let us understand this with an example, imagine you have delivered pamphlets and posters to a different sector of societies. The problem is that you have no idea how many people opened those posters or threw it in the dustbins. Now imagine that you have that same poster on your website. You can exactly measure how many people clicked that poster, how many closed that poster and the details of those who clicked the poster. This not only informs how engaging is your content also generates leads for your website.Digital marketers at CRUX, the renowned digital marketing agency in Gurgaon offers the best campaign plans with excellent planning, adaptable strategies, and precise execution to cater to the needs of clients. After Fujifilm, Sony, Quantum Naturals, Park Hospital, and many more, we would love to have you in our client&#8217;s list. Our set of services includes creative designing, SEO development, web development, content marketing, and more. </p>
  220. ]]></content:encoded>
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  223. </item>
  224. <item>
  225. <title>Niche Business Marketing &#8211; How to Do It</title>
  226. <link>https://asdjhzxms.info/39</link>
  227. <comments>https://asdjhzxms.info/39#comments</comments>
  228. <pubDate>Fri, 17 Mar 2023 14:43:30 +0000</pubDate>
  229. <dc:creator>admin</dc:creator>
  230. <category><![CDATA[Uncategorized]]></category>
  231.  
  232. <guid isPermaLink="false">http://asdjhzxms.info/?p=39</guid>
  233. <description><![CDATA[Starting up a business is an easy job to do, but making it successful is challenging, especially when you&#8217;re competing against several business rivals. In that case, targeting a niche market is perhaps the most successful idea you can work on.To succeed in your business, you first need to determine the market and identify the [...]]]></description>
  234. <content:encoded><![CDATA[<p> Starting up a business is an easy job to do, but making it successful is challenging, especially when you&#8217;re competing against several business rivals. In that case, targeting a niche market is perhaps the most successful idea you can work on.To succeed in your business, you first need to determine the market and identify the customers you&#8217;re going to target. This is what all the businessmen do. Usually, they target a large group of people with various demographics.However, a niche market is a defined group of people that have &#8216;particular&#8217; needs. By keeping in view those specific needs, you operate your business to render the products or services that meet their demands. You deal in those special products or services which mainstream businesses have overlooked.For instance, many shoe brands provide a vast variety of shoes. But, if your business deals in providing shoes for people with plantar fasciitis, you are targeting a niche; a specific segment of the market. This is what a niche market is.Coming to the niche business marketing, it is specializing in one area of business while targeting a specific segment of the market.You Must Know Your Target Niche Market Inside OutDetermining your niche market is crucial for operating your business. It not only helps you to set and expand your marketing budget but also give you a clear insight into where to advertise. Further, it makes you stand out above your competitors.For selecting a niche, you need to think about what you are best at. So, you will have enough knowledge regarding the product or service you will be dealing in. To make it clearer, let&#8217;s take some ideas you can work on to run your niche business.Today, many people demand diet foods such as gluten-free, low-calorie, organic or vegans. However, they rarely find it in eateries. If they find their diet food online, they prefer to buy it online rather than preparing it at home. This is because it is more convenient for them.Similarly, certain people hardly get their size in apparel stores. Therefore, offering plus-sized and petite clothing to these potential customers will not be a bad idea for your niche business.Niche MarketingBefore getting down to the nitty-gritty of niche marketing, let&#8217;s talk about some businesses dealing in niche markets. Lefty&#8217;s, based in San Francisco, is a store that sells school stationery, gardening tools, kitchen goods and a lot more. What&#8217;s the best part? All their products are specialized for left-handers! Furthermore, they also offer customized gifts for the lefties in your life.Furthermore, Vermont Wooden Toys are known to offer their specialty; handcrafted toys. Based in the Green Mountain State, the business is owned by a proprietor Ron Voake. People buy his products because of certain values- dedication, love, and craftsmanship. They place their orders on the website or over phone calls.In the same way, you need to practice several marketing strategies to make the best use of your business. Take a look for a few niche business marketing tips here.User-Generated ContentThe era when company ads would persuade people to buy a product is long gone. Today, they usually look for experiences. They go online and search for user-generated content before purchasing a particular product.User-generated content works in two ways; advertises your brand for free, and increases your credibility. And what&#8217;s more? It brings new customers to you. To have a better understanding, you can study previous success stories of other brands that implemented the UGC strategy.Advertising Platforms You Need To LeverageAs niche marketing isn&#8217;t regular marketing, you need to pinpoint specific platforms for advertising your product. Promoting your niche business on social platforms such as Facebook or Twitter isn&#8217;t a bad idea. However, the thing is these platforms are already over-populated with other business rivals hence leading to high-competition.In that case, you can limit your promotion and brand visibility to specific demographics on these platforms to reach out to your targeted customers. No matter what tactic you choose, make sure to reach your niche market cost-effectively.Partnering With Other ServicesTo reach out your business goals, develop a kind of service that not only offers a great product to your customers but also give them a fantastic experience. You can do this by providing additional services such as product delivery.However, niche businesses are small, and therefore it can be costly for you to offer extra services to your customers. For this, you can team up with other service providers to cater to your customers in a better way.Marketing OfflineIt is crucial to determine your customers&#8217; preferences and priorities to run your business. Well, you are required to market your product offline for two reasons. First, your targeted segment may not be tech-savvy enough to leverage internet access. Second, your customers might want to make their orders offline, depending on your product nature.Furthermore, there are many ideas to market your product offline while adopting cost-effective methods. For instance, you can distribute your brand&#8217;s promotional materials such as business cards, coupons or pamphlets in any local events. This will boost the physical connection between potential customers and your brand.Leveraging InfluencersTo operate a niche business, you must first figure out your customers&#8217; niche interests. Once you are done with it, look for the Instagram influencers who appeal your target segment and have a large number of followers. Approach them. Send a few of your products for free and ask for a shoutout in return. This won&#8217;t only help you in increasing your audience but also builds trust about your brand.Segmented MarketingWell, targeting a specific segment of the market for your niche business isn&#8217;t enough. You&#8217;ll have to gather and evaluate data on their demographics, values, and interests. Then, you further segment it and approach each group within your targeted niche. In this way, you&#8217;re able to engage with your niche market. Doing so will help you to maximize your business.ConclusionAs compared to other businesses that target a wide audience with unspecific interests, a niche business focuses on the particular needs of a determined group of people. However, if you want your business to be flourished, you need to identify your niche market first.While focusing on your specific customers, there are plenty of strategies you can adopt to achieve your business goals. By implementing the tactics mentioned above, you&#8217;ll be able to maintain your budgets and maximize your business.In addition to that, you can also employ other strategies or new ways to promote your business. No matter what strategies you&#8217;re working in with, the main thing you have to keep in focus is your customers&#8217; interests. It will surely help you adopt the right tactics for your business, increase profits and raise brand awareness. </p>
  235. ]]></content:encoded>
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  238. </item>
  239. <item>
  240. <title>How To Get Commercial Construction Loan Financing &#8211; Even During a Dismal Economic Downturn</title>
  241. <link>https://asdjhzxms.info/37</link>
  242. <comments>https://asdjhzxms.info/37#comments</comments>
  243. <pubDate>Tue, 31 Jan 2023 04:31:47 +0000</pubDate>
  244. <dc:creator>admin</dc:creator>
  245. <category><![CDATA[Uncategorized]]></category>
  246. <category><![CDATA[Commercial]]></category>
  247. <category><![CDATA[Homes]]></category>
  248. <category><![CDATA[Management]]></category>
  249. <category><![CDATA[Marketing]]></category>
  250. <category><![CDATA[Property]]></category>
  251. <category><![CDATA[Real Estate]]></category>
  252.  
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  254. <description><![CDATA[Just the other day, I heard a rather prominent commercial real estate mortgage industry insider (who wishes to remain anonymous) utter something like: &#8220;Sorry guys, no commercial lenders are making loans for commercial construction financing these days in this dismal economic downturn.&#8221; No wonder that industry insider wants to remain anonymous! He ought to because [...]]]></description>
  255. <content:encoded><![CDATA[<p> Just the other day, I heard a rather prominent commercial real estate mortgage industry insider (who wishes to remain anonymous) utter something like: &#8220;Sorry guys, no commercial lenders are making loans for commercial construction financing these days in this dismal economic downturn.&#8221; No wonder that industry insider wants to remain anonymous! He ought to because it seems to me that when executives start to parrot what they hear in the news media, they actually cause the doom and gloom that doesn&#8217;t really exist @ all before they proclaim it. Anyway, rest assured that you can get commercial construction loan financing &#8211; if you know where to look&#8230;Perhaps where he comes from, commercial construction financing is hard to come by, but he was undoubtedly referring to traditional commercial real estate lenders. Now don&#8217;t get me wrong, conventional commercial lenders do have a solid rationale for being reluctant to provide construction loan financing: &#8220;In a down economy, lots of standing (existing) real estate sits vacant or unsold on the market. So, why the heck should we finance new construction?&#8221;OK, we get their point, but there are still a lot of good solid new construction projects out there that need to be funded, and yours may just be one of them. If so, private commercial construction loan financing is where it&#8217;s at. Here&#8217;s what it is, why you may need it, and how you can get access to $250,000 to $500 million in the ideal combination of private commercial mortgage loans and up to 100% joint venture equity capital&#8230;Private Commercial Construction Loan Financing DefinedFirst of all, let&#8217;s define what a commercial construction loan actually is. Private commercial construction loans are typically short-term interim recourse commercial loans from non-bank sources (e.g. private investment firms, individual investors, hedge funds, etc) to finance construction costs. In a typical case, the lender would advance construction funds to you as the builder at periodically at set intervals as the work progresses. By &#8220;recourse&#8221;, we&#8217;re referring to loans where the lender may seek to recover money in addition to real property that the borrow pledges as collateral in the event of a loan default.Why You May Need Private Money To Fund Your Commercial Construction DealsPerhaps the toughest issue that we as commercial real estate investors and owners face&#8211;especially within this challenging economy is locating financing when our credit scores, resumes, and/or financial statements are less than stellar. Private lenders and equity capital financiers can work with you to find or devise the ideal combination of debt &#038; equity to finance your commercial construction project. Plus, these private capital sources have much greater flexibility, can offer you more creative financing options, and they can fund your deals with eye-popping speed and efficiency.How You Can Access Private Commercial Construction Loans and Equity Capital FinancingBased upon the information that you have just read, if you feel that either private commercial mortgage finance or private equity capital finance sources are appropriate for your new commercial construction real estate ventures, please just keep in mind that you certainly can get access to the most appropriate form of commercial construction loan financing for your business &#8211; as long as you know just where to look for it. </p>
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