Monthly Archives: August 2014

Credit Card Processing How the System Works

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Establishing a merchant account for your business enterprise is the wisest financial decision you will ever make for the growth, expansion and success of your business. Once you’ve set up a merchant account, you can accept credit and debit cards payments from your clients for your products and / or services. You can also arrange to accept online and mobile banking payments for your products and / or services.

A merchant account opens up new avenues for your business; therefore, giving your business many more opportunities to flourish. But, have you ever understood how the credit card processing system works? Have you tried to perceive the complexities of the players involved in the process and the intricacies of the system?

While it is not entirely essential for you to know the inside and outside of the card processing system because your Merchant Service Provider will do the needful for you; it is good for you to acquaint yourself with the system on a general basis.

The Participants Involved in a Card Transaction

A typical credit or debit card transaction involves the following players:

The customer
The merchant
The payment gateway
The customer’s credit card issuer
The credit card interchange
The processor at the acquiring bank
The merchant’s acquiring bank

The Route the Money Takes from the Customer to the Merchant

Let’s take an example to understand how the card processing system works.

Suppose that a customer walks into a clothing store and she finds a bag that catches her eye. She immediately proceeds to the payment counter and makes a payment of $100 towards her purchase with her cards.

The cashier at the merchant’s store accepts the cards and uses a card swiping machine to set the process into motion.

The $100 amount makes its first stop at the payment gateway where the payment is first authorized with a minor deduction in the amount.

Now, $99 travels to the appropriate processor and after a minor deduction is submitted to the card interchange as $98.5.

Once the transaction gets a clear at the interchange, it moves on to the issuing bank with a further deduction where the issuing bank verifies the availability of funds in the customer’s credit / debit card.

If the transaction is declined, it makes its journey back to the customer from here.

If the transaction is approved, $98 reaches the processor at the acquiring bank, just one step closer to the merchant account.

Once authorized, $97.5 gets deposited into the merchant’s account, which is now at the merchant’s disposal.

(The figures and fees involved in card processing are based on the number of players in the process, merchant type, card type and risk factors)

In the present age, quite a number of payments are made electronically, especially with the extensive use of credit and debit cards and online funds transfer. Although typical card processing takes seven participants, the entire transaction amazing takes a maximum of five seconds for approval.

Did You Leave Your Recycle Bags At Home

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It has happened to every owner of recycle bags. You go to the store, load up the shopping cart, head to the cashier and it hits you the reusable bags are at home. While this is not an ideal situation, it is certainly not a catastrophe.

Once you have realized you forgot your recycle bags, assess the situation. For example, how many items are in todays purchase? If the purchase entails a few small things, can you manage throwing them in your purse or carrying them without a bag? If you dont use public transportation and your car is nearby, carrying the items is usually an easy option.

If there are several products in the purchase, however, determine what items need bagged. Generally larger items such as milk containers, 2-liter bottles, cereal boxes, etc., can be put back into the shopping cart without being bagged. Additionally, take note of how the items are being bagged and request a minimal amount of plastic bags be used. Sure the vegetables and meats should be separate, but there are plenty of items that can safely travel together in a bag.

Depending on the store, consider asking for a large box to carry the items in. Warehouse outlets often utilize excess boxes to pack their shoppers purchases. This same theory can be put into practice at the grocery store.

If there are no boxes available and the purchase is too large to cram into a purse, there is also the option of purchasing recycle bags at the store. This option is not always ideal because it is an unexpected cost and the bags you purchase may not boast the type of quality you are accustomed to.

For those shoppers who have a habit of forgetting their recycle bags, consider purchasing a shopping system that is generally easier to remember. For example, the iTySE Shopping System features stylish purses that carry small, mesh environment bags. For male consumers, the system also includes a small carry case that can easily be thrown in the car where it is more likely to be remembered.

Kate’s Fashion In Full Effect

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Kate always be a fashion forerunner for many fashion lovers , we follow her fashion , a lifestyle fashion with less money but fascinating looking . in her fashion concept . fashion has nothing to do with luxuryhogan 2012, with the vast spending of money . be comfortable ,that is alright .

For more news related with Kate’s fashion and fashion concept , we can log on thehogan ufficiale outletFashion’s royal affair with Kate just keeps burning brighter.

Ever since Catherine, Duchess of Cambridge, wasscarpe hogan outletcrowned a member of the British royal family last year, she has captivated style watchers around the world who covet her understated and always wholly appropriate look.

Last week she topped Vanity Fair’s international best dressed list and is set to grace the cover of the magazine’s September issue.

Then there are the London Olympics, which have given the fashion media reason to rejoice as they track the duchess’s outfits day by day.

Whether stepping out in a new blue Stella McCartney shift or recycling a dove grey Roksanda Ilincic dress at a recent glitzy London gala, Kate’s latest looks always cause a minor frenzy for those who follow her choices label by label, accessory by accessory, scrutinizing the details down to whether it’s the first time she’s worn the outfit, or the fifth.

Those in the fashion industry call it the “Kate Effect.” So influential are her fashion choices that what she wears can dictate trends and what sells out on the floor of retailers.

“She’s now become the iconic woman of style,” says Barbara Atkin, Holt Renfrew’s vice-president of fashion direction.

“She’s very consistent about who she is, which is probably the most infectious thing about Kate. The fact that yes, she might be royalty, but she’s very inclusive of the people around her and I think that’s the most wonderful aspect of who she is and why she so represents a strong woman of the 21st century.”

Perfume Discounts how to choose

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If you are new to buying discount perfume and discount cologne, or you just want to try some new products out, choosing a new perfume does not need to be difficult. If you keep a few things in mind, it will be no problem for you to find a new perfume that you enjoy.

Choosing a discount perfume that you like is definitely a personal choice. A brand of perfume that your best friend or your sister tells you is the best smelling perfume available may be the last choice you would make. A perfume you choose to wear says a lot about who you are and your personality. What may smell good on one person may not work well with your body chemistry and smell terrible on you. Some perfumes are also more fitting for certain occasions, and not for others.

Whether you are looking for a certain namebrand scent, or a selection of different perfumes for different occasions, you will find there are different perfumes that appeal to you the most. Once you’ve experimented with a few different perfumes, you will find the scents that are the most pleasant for you. You may find that you like a lite floral or citrus aroma or a heavier, more sophisticated scents. The best way to find what you like is to go out and sample some different perfumes.

While most people would not consider purchasing a discount perfume with no knowledge about it, many people mistakenly buy the first one that smells good to them. The problem with this is if you open a bottle of perfume at your local retail store, not only will you not get the full effect from the bottle by spraying it into the air. Also putting a small amount on your skin will not give you the true effect of perfume. Your body chemistry will affect the way you perfume smells on you, you must wear it for a while and see how it will react with your body chemistry, by doing this you will know how the perfume smells when you wear it. It will take a couple of hours after applying the perfume for you to fully know if it is the right one for you.

It is always best to buy the perfume you like, not the one everyone else is wearing or the one with the fanciest advertisements. Even though some perfumes may smell wonderful on your friends, they may not react properly with your body chemistry and smell bad. Your choice of perfumes says a lot about you, and should portray the image you have of yourself.

You have the choice of the fragrances you want to wear at work or for an evening out. You’ll probably also have a perfume you like for every day use, going about your daily errands. By spending some time choosing the perfume you wear, you will be very satisfied with the effect they create. With a little effort you’ll also find some great perfume discounts.

Who Reads Fashion and Beauty Magazines

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Reading offers several benefits. And gaining significant knowledge from the materials that we read is definitely one of its most common advantages. Depending on the materials on hand, we gain knowledge that we can use in our daily lives.

Despite of the advancement in technology, many people still hunt for good books and printed magazines to read. There are others who pick their reading materials based on interest while others are forced to read as required by their job. Individuals who are fashion-inclined usually go for beauty and fashion magazines. Reading such types of magazines simply enables them to be updated on the latest in the fashion world.

Nevertheless, some people who read fashion and beauty magazines are not all fashionistas and do not have jobs related to fashion. These individuals are just looking for products and tips that they can use and apply to improve their looks and personalities. They normally go to advice corners and read experts opinions on new beauty products that are out in the market. A huge percentage of them is also stuck on sections that features gossips, lifestyle and get ups of their favorite celebrities as well as on spaces that have stories and lessons that will help on boosting their morale and leveling up their self esteem and self-confidence.

While many people believed they beauty and fashion magazines are just for womens eye, more and more men are now also making their way to catch up with fashion by reading such materials. Most magazines also have corners for them – providing them with relationship and sexual tips as well as pieces of advice on looks improvement.

Other studies also shows that reading magazines about fashion and beauty is classified as one luxurious way in satisfying one persons crave of becoming a trendsetter. Most magazines with these topics are available for expensive subscriptions which claim that they offer more substantial information. Nevertheless, experts advice is to find a subscription that suits ones personality and budget. Doing some experimentation like buying few issues from magazine stands is one of the best things to do before getting a regular subscription.

Latest fashion is not for everybody. More often than not, it is worthier to show the uniqueness in ourselves and set our own trend. Such magazines are great guides and their content should not replace our whole being. Remember that how we look and treat ourselves is more important.

About the Author
Anna Mundo is a contributor of www.magazinesmags.com/blog/ and www.magazinesnation.com. These blogs has guides and interesting posts about buying magazines.

Varieties Of Luxury Diaper Bags

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Once you have a baby, the days of leaving your home without a diaper bag will be gone for quite some time. This is exactly why it is so crucial to find a bag that you are going to enjoy carrying, that will serve you well, and that will look great with any outfit. Fortunately, the market has been flooded with gorgeous lines of luxury diaper bags. If you have not considered all of the designer options available, its time to take a closer look.

Luxury diaper bags come in all shapes and sizes. It is more than possible to find a bag that will fit your familys lifestyle. If you are frequently going on vacations or overnight trips to grandmas house with the baby, then there are gorgeous larger bag options that look quite a bit like designer totes. For those quick trips around town, to the grocery store and the like, there are many luxury diaper bags that could be confused with a designer handbag. There is no reason that you and your child cannot travel about with style and sophistication.

Of course, a diaper bag is useless and pointless if it does not help you organize and carry all of your childs must need travel accessories. Even designer bags can easily hold all of your diapers, clothing, toys, pacifiers, wipes, bottles, and other items, and do so in a well-planned manner. The bags have been designed with busy parents in mind, making it easier than ever to locate any item you may need in just the blink of an eye. Many of the higher-end bags will even contain insulated compartments so that you can keep your childs bottle at the perfect temperature.

It can get quite tiresome carrying a bag everywhere you go. This is yet another reason that luxury diaper bags are such a wise investment. These bags have been carefully ergonomically crafted in order to literally help ease your burden. Many of the bags are designed with padded shoulder straps to make carrying easier. If you are carrying a lot of weight, there are more and more backpack style bags being introduced that allow you to distribute the weight evenly.

The best aspect of luxury diaper bags is that they allow more fathers to willingly carry a diaper bags. While some men do not care at all, others do not want to carry a bag that looks like a diaper bag. Designer bags solve this problem because their designs are often extremely sleek and sophisticated, keeping everyone happy.

michael kors tote bag cheap range

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michael kors tote bag cheap,Everyone has their favourite brand whether it is shoes, clothing or any other item; I would have to say you would find it difficult to go past the amazing Michael Kors range. The handbags on sale at present are every woman’s dream especially if you’re a handbag fanatic like myself.I can’t imagine there could be many who have not heard the name Michael Kors but for the few who do not know of this amazing designer I’d like to offer a few facts and figures for you to absorb.The footwear are staying viewed all over the position and have ladies jogging out to the stores to buy them. They are very cozy and sense light on your ft. The pumps are easy to walk in and are fantastic for dancing.

michael kors wallets cheap, michael kors outlet,Today, Michael Kors is a brand which women like most, but it also popular among men. Last week, I bought an iPhone case of Michael Kors, when I went to office in the morning, my iPhone calling in the elevator, I opened the case and answered the call, all men in the lift stare at me, I feel really stranger and said “I haven’t got iPhone5 yet-“, one of my colleges pointed my Michael Kors iPhone case and said “Really a nice case!”. I got why they all looked at me so odd.Now, my sisters, my wife and I are honesty follows of Michael Kors. I have followed the microblog of Michael Kors on Facebook and Twitter.Now we need enjoy life and fashion, most people like the fashion boutique, such as michael kors hamilton sale, is the great quality of sound, it always make us good feel. Fashion and cheap is the most important side in our daily life. Look at the markets, there are cheap and nice goods, so most people like to buy many things at markets. And there are many fashion styles and cheap bags. You can find your love handbags which is the cheapest at all stores.

michael kors handbags outlet,michael kors watches outlet,You can also choose bags to use during certain times of the year. Many women who follow fashion trends will use lighter colored bags during the spring and summer and darker shades for the fall and winter. The Tonne bag by Michael Kors is a stylish item made with a summery white leather. This particular item has rounded rope handles and a shoulder strap so you can carry it two different ways.The Skorpios collection of totes by this designer takes a different approach to closing the top. This uniquely styled smaller tote has a gathered or drawstring top that creates an interesting texture for the entire piece. The rolled handles are accented with metal clasps in silver and gold. This bag is available in several colors including black, white and a metallic gold.

Wearing A Harley Davidson Leather Jacket Is A Cool Move And A Smart One

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Is wearing a leather jacket a fashion statement? Yes when it’s a Harley-Davidson men’s leather jacket or a women’s Harley leather jacket. Association with Harley-Davidson is huge cool factor across the nation. And why not? Why wouldn’t you want to wear Harley outfits while riding a hog? They only go hand-in-hand for being cool, hip and smart fashion-wise and intelligence-wise.

In addition to wearing a Harley-Davidson women’s leather jacket or a men’s leather jacket, you’re not only looking very cool, you’re also protecting yourself from serious road rash if the bike is ever, accidentally, laid down. The U.S. government figures that the odds are 37/1 for a motorcyclist to be involved in fatal crash compared to an automobile, traveling mile for mile. Motorcycle fatalities have made a significant increase over the last few years and older riders having accidents is on the rise. It only makes sense to protect your head, your eyes, your whole body while riding a motorcycle whether it’s a Harley or not.

The first investment in motorcycle safety is to wear a helmet. Think of your head, first. While some states do not require cyclists to wear a helmet, it doesn’t take a brain surgeon to understand the need for headgear to protect the face and head. Otherwise, if anything happens and you do crash without a helmet, a brain surgeon may be called in to take care of you.

Next, keep the eyes protected with a facemask attached to the helmet or wear glasses or goggles. Even if your bike has a windshield, it won’t protect your eyes from dirt particles kicked from the road. You don’t want to be blinded by insects either.

Then, protect the body with leather jacket, leather pants or leather chaps, wear good, heavy boots and wear gloves to protect the hands. The whole leather outfit will protect legs, arms, torso from serious scrapes if there is an accident. Imagine yourself in cutoffs, T-shirt and sandals on a bike. Then imagine an accident. How do you want to see yourself? There’s nothing wrong with approaching motorcycle riding with “smarts”.

So, while being cool on the road dressed in a Harley leather jacket, you’re also being smart. Leather is a perfect way to protect your body from any kind of mishaps. Always think safety first when riding a Harley. The cool factor is natural–even if you are an old codger.

Benefits Of Martial Arts For Women

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Martial arts or otherwise called fighting arts is a practice and tradition of combat. All kind of martial arts has the same objective of physically defeating another person or defending oneself from physical harm or threat. Some martial arts are associated with beliefs while others follow a code of honor. It is considered as an art and a science. Martial arts refer to the art of warfare or combat. I came from the Greek word Mars/Ares meaning the Greek god of war.

Martial art is not only for men but also for women. Women are born weaker in physical strength compared to men. The need of women to learn martial arts is increasing now a day because of high issues of rape and harassment. Women need to protect themselves from any of these situations that can put their lives in danger. If you want to successfully learn martial arts and the proper techniques of self defense, you have to give time and dedication for it. Repetitive training is needed to build up strength and technique. It also needs time for meditation as well as mental training. Having a positive mind of beating an opponent is half winning the fight.

Aside from this benefit of protecting yourself, martial arts can improve awareness of the mind and body. The mental strength will be improved as you master the art of focusing. You will be able to focus more on your daily task and improve your level of alertness even with small details of what is happening around you. Concentration is very important in martial arts training. To be an effective martial arts student you must be able to picture out your success as you go along with the training.

Learning martial arts can improve ones physical and mental health. Feeling stronger mentally will give you the sense of security to be able to manage any dangerous situations that might occur. It will build up your self confidence to handle any physical threatening circumstances. Throughout the training you will learn the movements and impacts on your body as well as the opponent or attacker. Knowing when to strike or hit and how to do it properly will give you the strength with your full body potential defending yourself.

It takes years to learn and master martial arts but the outcome is worth the sacrifice. You will feel better physically and mentally. Possible attackers may even think twice of approaching you. Learn martial arts for your own safety and protection.”

Find Discount Football Tickets – Cut Costs And Obtain Cheap Seats

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Watching a football game could be exciting especially if it’s your preferred team. All of us would like to visit the overall game watching it live but it may be costly finding tickets that you could afford. In case your team is popular it’s possible that the overall game can sellout which produces a difficult situation because usually ticket costs are more costly. You will find places that you could search to locate tickets which are both affordable and also the seats you enable you to get are perfect. You need to first search on the internet and discover an internet site which has discount football tickets available. Always make certain you use a trustworthy website because you will find fraudulent tickets that may make you from the overall game.

An excellent place to look first is eBay because it features a large section for tickets within the secondary market. When searching on this website you usually want to locate a individual who is selling you tickets to possess great feedback. This should help you since you can feel certain that investing your hard gained cash on great seats pays off for you personally.

We all like when football season arrives and the majority of us gather around our Televisions to look at the large games, but would not it be fun to really visit them personally. An execllent method for you to call at your favorite team for very little cash is to go to a preseason game. Yes, it isn’t the recommended game to visit but you’ll see all your favorite gamers.

Based on whether you will an expert football game or perhaps a college one there might be deals you’ll find using that particular school. Many college games could be attended by students as well as those who are alumni. You need to call a student union and request them about getting discount football tickets.

Keep in mind that finding tickets for your favorite football team is simple to complete if you use the web. You will find many bargains available but make certain you usually make use of a trustworthy ticket dealer. Among the worst stuff that can occur is that you simply spend your hard-gained cash on tickets and lots of don’t let you in since the tickets are fraudulent.