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.