Merchant Account Vocabulary (part 2 of 2)

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Payment Gateway

A payment gateway, as what its name suggests, provides the channel in which encrypted information is exchanged between the consumer, the merchant account provider, the merchant, the acquiring bank and the issuing bank. This makes sure the information exchanged is accurate and that it will be exclusively used by the involved parties only.

Chargeback

A chargeback often results from a dispute between the customer and the merchant. This is when a transaction is returned by the costumer into the acquiring bank, and ultimately, to the merchant. A customer files a chargeback when he/she finds that the product does not meet his/her expectation, when the product was not delivered properly or was not delivered at all, or when the transaction itself is fraudulent. The merchant may avail a chargeback insurance to protect himself/herself in the event of a chargeback.

Electronic Commerce

Electronic Commerce or eCommerce basically refers to the commercial activities that are carried out through the internet.  Aside from selling, it also includes activities like inventory management, supply chain management, exchange of business information and management of online funds. Due to the increased flux of businesses taking advantage of the accessibility of the internet, there was also an increase of ecommerce merchant account providers.

Some ecommerce merchant account providers do more than managing the transactions between the consumers, the acquiring bank and the issuing bank. They also take care of the technical side of putting up the online store, like website hosting, maintenance and design.

Merchant Account Vocabulary (part 1 of 2)

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In this new age of ecommerce, more and more people, even without a formal business background, want to go into an online business. Almost all of online businesses, even the large ones, need a merchant account. Here are some of the jargons that online business owner wannabes must understand first before finally taking their baby steps in setting up their business.

Credit Card

A credit card is a small plastic card which allows a consumer to purchase a product or service through a line credit issued by a bank or a merchant account. It is activated by a Personal Identification Number (PIN) that is accessible only by the owner of the card. The card itself has an electronic system that goes into a system of payment scheme involving the merchant and the issuing bank. The size and shape of the credit card must comply with the regulations set by the ISO 7810.

Merchant Account

A merchant account is an agreement between the merchant and an acquiring bank in which the merchant could accept payments through credit cards through an extended line of credit given by the bank. The merchant account maybe provided by either a bank that is directly processes transactions with Visa and MasterCard or by an Independent Selling Organization/Member Service Provider (ISO/MSP). The costs of setting up a merchant account depend on the type of the product, expected sales and the process of how transactions are made.

3-Tier Pricing

This is the most popular pricing scheme for most merchant account providers. Depending on the situation on how was it done, the transaction will be classified into three groups: non-qualified, mid-qualified and qualified. The less qualified the transaction is, the more it will be charged. A transaction that is done according to what is set and defined by the merchant is considered to be “more” qualified.

Knitting Socks (part 2 of 2)

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Turning the heel is the next process in making the heel. During turning the heel, you have to organize the stitches on three needles according to the pattern that you are following. You can also check the equation for number of stitches for turning the heel. To make this process easier, imagine that the size of your heel has been divided into three sections.

You are keeping the center portion in one piece, taking one stitch from every side panels systematically, and knitting it jointly with the stitch on the external tail of the center panel. Thus, the sock under the heel includes dipping the outside and keeping the center unchanged.

One should remember that the socks should be fitted inside shoes. They will spend much of time chafing your foot. Therefore, while knitting socks be aware of this thing. Select the fibers cautiously. Wool is better for feet and its natural softness helps the sock hold one’s foot in a warm fit.

Fibers that have less elasticity like silk, cotton, soy may stretch out of shape after some time. Thus, knitting socks is an art and one should make sure all these things before starting the process.

Knitting Socks (part 1 of 2)

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One of the best arts and a nice activity to spend the leisure period. Most of the people love knitting socks and they do this work as a hobby. It is interesting to learn about knitting socks. Decide first about which sock pattern you prefer and arrange the stitches squarely according to the pattern. This indicates your pattern requires 80 stitches, you have to cast 20 stitches onto every needle.

You will have to take a round about change at center back, amid needles 1 and 4. This position can be located easily by observing where the end thread is from when you cast on at first.

The next process in knitting socks is to work the leg in rounds. Some of the rounds should be in rib pattern. This pattern is suitable to hold the leg closely and in a better way. One can knit a sock completely in rib model if he wants or can change the pattern of his choice.

At first, complete the leg and the length that is required. After completing the leg, start making the heel. You have to work in open rows over the stitches on needles 1 and 4 to make the heel. While making the heel the needles change in round on both the sides. Thus, during this process one knits the stitches from needle 4, then needle 1 and then turns the work on the way back as if he is knitting a scarf.

The first and last two stitches on both tails are repeatedly worked in garter stitch to make a better border to the sock. Use the bumps as a pointer to at the end to count the consequential rows. You may slip the stitches from needles 2 and 3 onto a stitch holder to handle it easily. If you put stoppers or little erasers onto the tails of the knitting needles, then it is easier to handle.

The Landscape Architect Stamp (part 2 of 2)

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No person should use the title of the landscape architect and the stamp indicating that he\she is a landscape architect unless he\she is registered as a professional landscape architect with the board. In order to obtain registration from the board, the person needs to complete his\her bachelor degree in landscape architecture and also requires to complete three years of practical experience in any office and under any registered landscape architect.

In other words, he\she needs to complete any internship program that is acceptable to the board. If any person has the above qualification, then he\she can apply for registration with the board in writing to the state board of landscape architect examiners board in the exact manner prescribed by the board.

The state board of landscape architect examiners would verify the application and if the applicant meets all the requirements of the board, then he\she would be provided the landscape architect licensure. Then he\she can purchase the landscape architect stamp form any of the convenient sources. The stamp is an authorized document for his\her licensure.

The landscape architect stamp is issued in order to safeguard the wealth, safety and welfare of the state. A person should not practice the profession of landscape architecture without qualifying the state board of landscape architect examiner board and obtain the stamp. The stamp is a proof of the landscape architect specifying that he\she accepts his\her responsibility.

A person who gets landscape architect stamp in one state can work in other state or in any other nation. However the board would justify whether the person licensed in other state has adequate education and training standards.

The Landscape Architect Stamp (part 1 of 2)

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Landscape architect technical committee issues landscape architect stamp. The landscape architect can purchase the stamp form any of the convenient sources but the size and shape of the stamp should be exactly equal to the design authorized by the committee. It should not be less than even one inch in diameter.

The landscape architect stamp is in circular shape. In the larger circle, the words “Licensed landscape architect “and the name of the state would be embedded in capital letters. In the inner circle, the name of the landscape number and his\her license number along with his\her signature, renewal date and current date should be included.

Every licensed landscape architect needs to use the landscape architect stamp. The stamp acts as a proof of his\her licensure. Though the landscape architect stamp may vary in details from state to state, the circular shape would remain the same.

The embossing seals for landscape architect stamp are available in rubber stamp stores or in online stores. There are some 4 or 5 models of embossing seal like hand held model, desk model, long reach, extra long reach and so on. The landscape architect t can use black, blue, red, green or purple color for embossing seals.

The landscape architect stamp needs to comply with the statute. It should include the date of licensure, licensee’s name and license number. The diameter of the outer circle would be generally 2 inches and the inner circle would be 1 inch in diameter.

Living Wills: How To Plan For The Future (part 2 of 2)

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Taking Care of the Paperwork

Since these documents are supposed to be legally binding, make sure that everything is put in writing. Every state has its own set of policies regarding this matter. The law in one state, concerning living wills, may not be consistent with that of another state.

You can get hold of the proper forms through your doctor or your health care provider. You can also visit various sites on the Internet to procure state-specific forms, complete with instructions on how you should properly fill them out. In addition, a variety of organizations – such as the National Hospital and Palliative Care Organization – also offers appropriate living will forms that are free of charge.

Then again, if you don’t mind shelling out some cash, you may seek advice from an attorney about this matter. This can be a wise move, especially if you have plans of transferring to another state – with a different set of rules concerning such legal documents.

Once you have completed the proper forms, hand copies of the living will to your immediate family members, friends, and family doctor. If you have appointed your own health care surrogate, don’t forget furnish him or her with a copy as well.

On no account should living wills be stashed in a safe deposit box. Doing so will only make it harder for your loved ones to get hold of the document when the need arises.

Living Wills: How To Plan For The Future (part 1 of 2)

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Illness, severe injury and death are delicate subjects that are not easy to talk about. The main thing though is that by preparing in advance you can make sure that you receive the kind – or extent – of medical treatment you want.

If you want to take full advantage of the benefits of living wills, you should at least have a serious talk with your family, your close friends and your doctor. The most excellent approach would be to discuss these matters in a reassuring and factual manner.

The important conversation should include your philosophy about health care and the things you would want done in certain situations. In case your wishes are faced with intense moral opposition from your immediate family and/or friends, you may consider selecting or appointing someone more in line with your point of view as your health care surrogate. In this way, you will be assured that your surrogate will make decisions that are in accordance with your beliefs.

On the other hand, if you want to speak to your family or friends with the proposition that they also create a living will, be sure to prepare a good explanation to back it all up. You should put in plain words the importance of planning ahead and how these documents could be of assistance in very bad situations.

Without living wills, families could be torn apart and wrecked emotionally while trying to reach a consensus about what would be best for their seriously ill loved one. If this possibility seems unbearable for you to picture out, then make your mind up about whether to create a living will or not. You can never tell what will happen to you a year from now, next month, or perhaps tomorrow. So you might as well be safe than sorry for not making the right choice as early as possible.

The wonders of magazine publishing (part 2 of 2)

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Unlike tabloids, spreadsheets and periodicals, magazine publishing incorporates conventional reporting with creativity and artistry.

While all the other forms of print media adhere to strict rules and guidelines, magazine publishing breaks this taboo and is inclined to more liberal and aesthetic approaches.

Commercially, magazine publishing is one of the most veritable money-makers in the media industry, since it can drive focus towards a certain segment of the market that it hopes to give focus to.

From home improvement, do-it-yourself guides, women’s, men’s, children’s, sectarian, opinion, features, essays, public awareness, public service, political, entertainment- you name it- magazine publishing can embrace it and present it to the public without the bat of an eyelash.

From the commercial standpoint, the broader market scope of a magazine the better, since this is undoubtedly one of the best venues to advertise and introduce new products.

On average, a person with active contact to mass media is exposed to no less than  five hundred advertising messages or materials in a day, most of which can be found in magazine publications printed regularly.

Magazine publishing’s versatility and dynamism has even adapted to the advent of online information technology, where it has even broadened its scope and distribution in a much more global scale with the propagation of the world wide web.

The wonders of magazine publishing gives us a clear and encouraging picture at how it will continue to proliferate regardless of the changes and challenges it faces, as long as it will continue to satiate the public with the need to be informed and be kept informed.

The wonders of magazine publishing (part 1 of 2)

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Many see it as a simple reading material, but take a closer look and you can see the many wonders of magazine publishing.

As a key component in promoting the industry of mass media in the world, magazine publishing has changed the face of print media – one that has taken it into new and greater heights.

The wonders of magazine publishing is one that cannot be easily discounted, since it had been responsible in making it an indispensable reading material that withstood the test of time, even with the advent of a rapidly expanding and progressing information technology.

The sphere of influence of the perpetual partnership of pen and paper has transcended through time and has not been shaken by the threat of electronic media and the thrust towards a paperless society.

This is mainly so since the wonders of magazine publishing exhibits a process so versatile and dynamic that simply, yet surprisingly, allows it to adapt and adjust to changes of the times.

The best reason for this adaptability is the fact that humans crave for information or the means through which one yearns to be heard, and it is through this fact that every publishing process, including magazine publishing, is one of the greatest factors that will foster its survival.

It is the hunger and craving for information that makes magazine publishing, as well as with any other mass media, an indispensable tool in delivering information, whether it be on paper or electronically.

Today’s information culture makes it difficult, if not impossible, to live without mass media.

Obviously, the press is by far the best conduit that brings information to the people, and magazine publishing allows information – in its many faces- to be creatively and extensively presented.

How to Find the Best Music Download Service for Your iPhone (part 2 of 2)

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For a minimum subscription fee, you will be able to download your favorite music to your iPhone safely and legally.

When looking for a website to download your music, you might want to join a download website that offers a lot of download variety. You have to make sure that they have a huge library of music files available for download. You need to remember that some people may like pop music and you may not. You have to go for a website that offers different variety of music genre, such as pop, rock, acoustic, nu-metal, emo, classical, and others.

Another important thing that you should look for is the download interface. Is it easy to understand and operate? Is it easy to navigate from file to file? Always make sure that the interface should always be simple to use in order to make the most of your download time. Also, make sure that the download speed is fast enough that it won’t take you an hour just to download a single song with a high speed internet connection. In fact, it should only take you 2 to 4 minutes or even less depending on your connection speed to download a song.

Lastly, you have to look for an after-sales customer support service in the download website you plan on getting your music for your iPhone. Technical support is important as there will be times where you may need help to troubleshoot when you are facing difficulties with your downloads as well as your iPhone.

Remember these tips and you can be sure that you will be able to find the best music download website to download your favorite tunes for your iPhone.

How to Find the Best Music Download Service for Your iPhone (part 1 of 2)

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Ever since iPhone hit the market, people started to become crazy about it. In fact, iPhone sales today are still going up and a lot of people are still buying it. So, just what makes iPhone so popular among a lot of people?

Well, for starters, it has a lot of capabilities that no other phone has. It has a touch screen LCD where you don’t have to fiddle with keypads anymore, and it has amazing graphics capabilities that will blow you away. The LCD itself is considered to be the largest in mobile phones and you can even clearly see movies in it without your eyes squinting to see the details of the movie or the video you are watching.

The Apple iPhone can also let you go online through WiFi internet access. Just be inside a WiFi hotspot and you will be able to surf the internet with your iPhone.

 And, the best thing about the iPhone is that it has the capabilities of your iPod, which is let you listen to your favorite tunes while you are on the go.

iPhone is basically a hybrid between iPod and a mobile phone.

And, with music playing capabilities, you may want to know which website you should visit in order to download your favorite music.

To start downloading music in to your iPhone, it is always safe and legal to go for a paid website. Although you will need to pay a subscription fee in order for you to download your favorite tunes, you can be sure that your computer as well as your iPhone will be safe from malicious programs or computer viruses and spyware software. Also, you can be sure that it is a hundred percent legal as most free music download websites are P2P websites that are known to be dangerous and illegal.

Importance of Branding Your Business (part 2 of 2)

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Once you have created your company brand, then that is when you need to look into delivering quality product or service that your brand will be perceived as. That takes you now to the next essential aspect involved with branding, which is marketing.

Marketing and Advertising Campaign

Branding also impacts the sales force of your product. If you are able to create a brand name that people will easily remember and recognize for your outstanding products, then it helps create an efficient branding system for your company.

The first step for a successful business is taking the time to let people know who you are, what you do, and the means at which you do it. Properly communicating your company's vision through your brand is an essential stage of any business branding effort. Having established an effective company brand will also create awareness of the product you are promoting.

So, when people hear your brand, then they would easily think of your products or services and your company's reputation.

Importance of Branding Your Business (part 1 of 2)

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What is a Brand?

Branding your business is an essential step that any business owner need to take, whether yours is a small- or big-time business. In fact, it is something that must be looked into during the phase of business planning.

A brand is basically a name or a logo that will be used in advertising campaigns to represent your company or business. This will be used when printing out your business cards or when referring to your company. Hence, deciding on a brand must be undertaken with much consideration and thought. To sum it up, a brand details who you are, what you do, and how you do it.

Importance of Branding

There are several aspects that involve branding businesses. Each has its own importance and impact on attaining your business  goals. This is a step that every beginning businessman needs to educate him or herself about because it will determine the company's performance in the future.

Here are reasons as to why business branding must be given careful thought:

Creating Business Identity

When you use a business idea to start your own business venture, chances are there are already some other existing businesses with the same nature as yours. Therefore, you need to create a brand for your business that will differentiate you from your competitors.

So when deciding on a brand name or logo for your company, you need to think of creative ways that will help make your business be easily remembered by potential customers. Distinction is a vital part of every business venture and when people find that you have something unique to offer that lets you stand out from competing businesses, then you are one step closer to your business goals.

Dressmaking Fundamentals for Beginners (part 2 of 2)

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• Press the dress after you completed making it. As a tip, press the dress on the fabric’s interior side. This is to avoid creating any burn mark on your new dress.

As additional tips, make sure you are using sharp scissors especially when cutting the fabrics. You surely do not want to mess up as you cut the fabric according to the shape of your pattern. Prepare threads in different colors. Make sure the color of the thread you will use matches the color of the fabric. You may use pens in outlining the cuts from patterns or you could opt to just pin the patterns to the cloth, then proceed to cutting. As a beginner, you should first go with the basics. When you are already familiar and comfortable with the procedures, start applying your creative ideas and designs.

Dressmaking is a skill that can bring about cost savings, potential income, and added personal pleasure. To some people, making dresses can be a stress-relieving habit. To others, it can be bread and butter, a source of living.

Imagine yourself setting your own fashion label when making clothes. After mastering these fundamentals, you can continue making dresses until the activity comes naturally and easily on you. By the time you get accustomed and very familiar with the skill, you can start creating rare and challenging designs. Be a good, patient, and determined beginner.

Dressmaking Fundamentals for Beginners (part 1 of 2)

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Dressmaking is a skill not everyone has. But anyone can learn it. If you want to try out the activity so you can make your own clothes, you should first learn about the basics. You may be surprised that learning how to make your own dress is not as difficult as you think it is. Before doing it, you should first take enough motivation and determination to learn. Condition your mind by thinking about the advantages, perks, and savings you can generate if you know how to make your own clothes.

There are several important ideas you need to get to know before you get started. Dressmaking is not as hard as you think it is, but no one says it is easy. For beginners, learning how to make a dress and getting started can really be challenging. Here are several tips and tricks that can surely be of help to you. But before going into procedures, prepare your sewing machine as well as necessary materials like thread, Muslin cloth, pins, and pens.

• Prepare to facilitate clothing measurements. Use a fiberglass or linen tape for accuracy. Basically, you need to measure your bust, waist, and hips. Measure the fullest parts. Allot a couple of inches more to every measurement to achieve a comfortable fit and give yourself or the wearer freedom for several body movements.

• Make the pattern. You can buy ready-made standard patterns or you can make use of your creativity by putting together your own. The dress pattern should be done as if it is the real dress you are making. This serves as the actual guide you will follow when you proceed to making the dress.

• Once the pattern is successfully done, start pinning it to the fabric. Remember to pin it properly because the pattern will serve as the guide when you cut the fabric for making the dress.

Body Language: Signs Of Falling In Love (part 2 of 2)

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The Mirroring Actions

This is a funny yet very sweet signal of attraction since it is done unconsciously most of the time. This is where a person would imitate the actions of that special person. For example, you will prop your chin onto your hand, the person in love with you will follow that specific action.

The Longer Stare

A person in love with you simply cannot take his eyes off you. Most especially when the feeling has just begun to develop, he or she would find difficulty in concentrating on other things. The stare is usually intimate or intense, and it is accompanied with a slight smile.

That Certain Glow

Somehow unexplainable, a person has a certain aura around him or her when he or she is in love and happy. It is due to the extreme happiness and joy coming from the inside, and this is well-reflected with a sparkle in the eyes and a smile that is hard to remove from the face.

When a person falls in love, it changes him entirely and this is reflected in his or her body language. Some people fail to notice this, but these signs are definitely there. The person himself is even unaware that he is already providing hints and clues about his true feelings for that special someone. Most people find them hard to miss, and would love these signals of deep attraction sent through the silence but delivered by simple romantic actions and gestures.

Body Language: Signs Of Falling In Love (part 1 of 2)

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How can you tell that a person is already falling in love with you? A person's body language can spell out his or her true feelings and intentions for you. A person in love has that certain glow every time he or she is with that special person, but what are the other signs?

You will notice that a person is already falling for you if he can't stand being far from you, gives more smiles and laughter, mirror your actions, cannot keep his eyes off you, and have that certain glow.

Personal Space And Distance

A person in love with you would look for several ways just to be closer to you. You will know that a person's personal space has gotten smaller when he or she gets comfortable with you even in the slightest distance. And notice if in a room full of people, he will always try to stay close to you.

That person would also tend to lean his body towards you, whether when sitting down or standing up. The direction of his or her body would be always turned towards you. If not, then the direction of her eyes will show who is in her mind.

More Touch, Smiles, And Laughter

A person who is starting to fall for you would listen to you more, thus would give more reactions than he or she did during your first dates. There would be more laughter even for the cheesiest jokes. While talking, one will find in inevitable from smiling, especially during silence. This is because that person is truly enjoying his or her time with you.

He or she would also touch you from time to time. A tap on the shoulder, placing the hand on the small of the back, hugging, and holding the hands are some of the most common touching body language in falling in love.