Adapting to Changing Business Landscape
Business has changed during this economy. Money has gotten much tighter, both in people’s pockets and their credit lines. This affects your business in many different ways. First, you may have seen a drop-off in customers due to people being a lot more careful with their money. Next, you may have had trouble borrowing money for your business. Finally, you may be wondering how to generate more income in a tough economy.
Advertise More Not Less
The first problem can easily be resolved by doing some targeted advertising. Yes, this means you have to spend money. However, studies from the Great Depression showed that during times of poor economic activity, those that advertised more did better. Those that didn’t advertise created a self-fulfilling prophecy of low demand by failing to advertise when it was most critical.
Take Advantage of Alternate Funding Sources
Since credit is hard to locate, you will wan to take a look at different ways to fund your business. Merchant funding can be obtained for businesses that have a healthy history of credit card receivables. You may to need to purchase special equipment, but usually the application process is fairly easy. They don’t even require a good credit score to get you funded.
Generating More Income
You want to pay attention to what’s selling in this economy and how shifting demographics are changing your revenue structure. You may find people are buying for different reasons. You may find men aren’t buying as much as they are being laid off in greater numbers. You will have to customize your inventory and advertising to appeal to the demographic that is buying and the products they need most. You may even find you have to expand your services or move to a new location to get more business through the door.
Wednesday, March 24, 2010
New home Sales Hit an All-time Low
Sales of new homes fell to their lowest point on record in February, underscoring the housing industry's struggle to rebound from the worst slump in decades. (March 24)
FX Concepts Taylor Says Sell Euro, Buy Asia on Recovery
March 24 (Bloomberg) -- John Taylor, chairman and chief executive officer of FX Concepts LLC, talks with Bloombergs Betty Liu, Jon Erlichman and Adam Johnson about prospects for
the euro, dollar and yuan, and investment strategy for currencies. Taylor, who oversees the world's largest currency hedge fund, says investors should buy Asian currencies and sell the euro as the economic recovery in Asia outpaces other regions. (Source: Bloomberg)
the euro, dollar and yuan, and investment strategy for currencies. Taylor, who oversees the world's largest currency hedge fund, says investors should buy Asian currencies and sell the euro as the economic recovery in Asia outpaces other regions. (Source: Bloomberg)
Bob Chapman : you got to remove these people from the government
So Many people are moving out of the country : Bob Chapman
Bob Chapman the International forecaster : The government via the COMEX is manipulating the Gold and Silver prices ..this is a disaster for America even worse than the wars we had , the healthcare bill is unconstitutional ,
Bob Chapman : if you knew what I know about the system you will dig a hole and jump in , this system is going down big and if you do not have gold , you are not going to eat... , finally Bob Chapman reveals that the famous Italian soccer player Luca Toni is one of his subscribers :
Bob Chapman : Get your cash out of the Banks and The Stock Market - we will have Bank Holiday and the Stock market will crash by the end of this year
Mr. Chapman also known as The International Forecaster is a 74 years old. He was born in Boston, MA and attended Northeastern University majoring in business management. He spent three years in the U. S. Army Counterintelligence, mostly in Europe. He speaks German and French and is conversant in Spanish. He lived in Europe for six years, off and on, three years in Africa, a year in Canada and a year in the Bahamas.
Mr. Chapman became a stockbroker in 1960 and retired in 1988. For 18 of those years he owned his own brokerage firm. He was probably the largest gold and silver stockbroker in the world during that period. When he retired he had over 6,000 clients.
Bob Chapman : you got to remove these people from the government
Starting in 1967 Mr. Chapman began writing articles on business, finance, economics and politics having been printed and reprinted over the years in over 200 publications. He owned and wrote the Gary Allen Report, which had 30,000 subscribers. He currently is owner and editor of The International Forecaster, a compendium of information on business, finance, economics and social and political issues worldwide, which reaches 10,000 investors and brokers monthly directly, and parts of his publication are picked up by 60 different websites weekly exposing his ideas to over 10 million investors a week.
In June of 1991, at the request of business associates, and due to retirement boredom, he began writing the International Forecaster.
Bob Chapman : do not expect the government to guarantee your bank account , it is bankrupt
IShares Muni ETFs Provide Transparency Says Tucker
Tucker Says IShares Muni ETFs Provide Transparency
March 24 (Bloomberg) -- Matthew Tucker, managing director of U.S. fixed-income strategy at BlackRock Inc., talks with Bloombergs Betty Liu about the municipal-bond exchange-trade funds offered by BlackRock's IShares unit. Tucker also discusses market reaction to Portugal's debt rating downgrade by Fitch Ratings. (Source: Bloomberg)
The New American Home - Multigenerational Homes increase in number
AARP: Grandparents, 'boomerangers' moving in as multi-generational homes expand in tough economy
Tuesday, March 23, 2010
Wave of UFOs Sightings Above Lake Erie
A strange light over Lake Erie has Cleveland residents nervously eyeing the sky.
For more than a week, a mysterious pulsating light has been appearing nightly over Lake Erie east of downtown Cleveland — showing up at approximately 7:30 pm and zipping around in the darkness for about two hours before disappearing — reports MSNBC. Captured on film from various angles, it's now drawing nightly crowds at the lakefront. While Nick Pope, former chief UFO investigator at the British defense ministry, calls it a "significant sighting," some of the UFO's fans do not exactly inspire faith: "I have absolutely no expertise in this field, but I can guarantee you that it is not human!" says Eugene Erlich, a local college student who has been videotaping the lights.
March 13 2010: Msnbc's Alex Witt talks to a man who claims that a UFO has been spotted in Cleveland for ten straight nights. Wave of UFO Sightings over Cleveland (March 2010)-
An Ohio man claims he spotted a UFO over Lake Erie and he captured video of it. WJW's Mark Zinni reports.
Fox news reports on the wave of nightly UFO sightings over Lake Erie near Cleveland, Ohio USA.
For more than a week, a mysterious pulsating light has been appearing nightly over Lake Erie east of downtown Cleveland — showing up at approximately 7:30 pm and zipping around in the darkness for about two hours before disappearing — reports MSNBC. Captured on film from various angles, it's now drawing nightly crowds at the lakefront. While Nick Pope, former chief UFO investigator at the British defense ministry, calls it a "significant sighting," some of the UFO's fans do not exactly inspire faith: "I have absolutely no expertise in this field, but I can guarantee you that it is not human!" says Eugene Erlich, a local college student who has been videotaping the lights.
March 13 2010: Msnbc's Alex Witt talks to a man who claims that a UFO has been spotted in Cleveland for ten straight nights. Wave of UFO Sightings over Cleveland (March 2010)-
An Ohio man claims he spotted a UFO over Lake Erie and he captured video of it. WJW's Mark Zinni reports.
Fox news reports on the wave of nightly UFO sightings over Lake Erie near Cleveland, Ohio USA.
Costs of a Merchant Payment Setup and a PayPal Setup for Average Websites
Costs of a Merchant Payment Setup and a PayPal Setup for Average Websites
The cost of an average website with merchant payment setup and PayPal setup will range from $50 up to $250 conditional on the expectations that you need to meet.
First timers in the online business department who would wish to setup a merchant account and PayPal on his website would probably be tiring and mind-numbing. What follows is a guide to be familiar with the process and especially the payment processing. So before acquiring a merchant account and PayPal for your e-business, get to learn how much money is to be left aside for these.
Merchant account and its cost
A merchant account is utilized by most online business stores to widen their capacity to receive payment through debit and credit card transactions. This is made possible through creating a payment gateway which serves as the storage space for credit card information and data needed when collecting such charges and payments from customers. These fees will then be credited to your merchant account. Merchant accounts could be free of charge when it only offers the basic services.
Certain merchant accounts are free of charge but then again, there are others which have cutting-edge and more professional features that range from $100 to $200 setup cost. It only takes a week of waiting for the approval after enrolling your e-biz and processing period when you set up for a free merchant account. After which, you can now format the recently acquired merchant account to your website and attach your payment gateway for the credit card processing. This is a fine method of tracking payment transactions for it directly debits from your client’s account and credits that expenditure to your merchant account. It only requires the personal data and information from your customer’s credit card and right after that, it is validated and then redirected to the monetary establishment or to the bank.
PayPal and its cost
PayPal is one of the leading Internet businesses that cater to permitting transactions and money transfers made via the World Wide Web. It is an automated substitute to customary paper methods, that is to say, checks and money orders. This payment processing system is manageable even to the first-timers in online buying and selling. PayPal is an exceptional tool intended for credit card processing since it is trustworthy and has a clean and thriving name in the industry. One thing that makes it so well-liked and accepted because of the fact that their online processor is compatible to e-commerce of all varieties.
Its normal asking price is about $50 for the overall arrangement and 1.5% per transaction charge. PayPal occasionally holds promos where you can get excellent discounts and maybe by the stroke of luck, you can acquire their services free of charge providing that you are a prospective user of PayPal.
Setting up a merchant account and PayPal for your average-class Internet business is one way of excelling in your chosen field of enterprise. In connection with that, being aware of the expected fees to be paid is a notable way to get started.
The cost of an average website with merchant payment setup and PayPal setup will range from $50 up to $250 conditional on the expectations that you need to meet.
First timers in the online business department who would wish to setup a merchant account and PayPal on his website would probably be tiring and mind-numbing. What follows is a guide to be familiar with the process and especially the payment processing. So before acquiring a merchant account and PayPal for your e-business, get to learn how much money is to be left aside for these.
Merchant account and its cost
A merchant account is utilized by most online business stores to widen their capacity to receive payment through debit and credit card transactions. This is made possible through creating a payment gateway which serves as the storage space for credit card information and data needed when collecting such charges and payments from customers. These fees will then be credited to your merchant account. Merchant accounts could be free of charge when it only offers the basic services.
Certain merchant accounts are free of charge but then again, there are others which have cutting-edge and more professional features that range from $100 to $200 setup cost. It only takes a week of waiting for the approval after enrolling your e-biz and processing period when you set up for a free merchant account. After which, you can now format the recently acquired merchant account to your website and attach your payment gateway for the credit card processing. This is a fine method of tracking payment transactions for it directly debits from your client’s account and credits that expenditure to your merchant account. It only requires the personal data and information from your customer’s credit card and right after that, it is validated and then redirected to the monetary establishment or to the bank.
PayPal and its cost
PayPal is one of the leading Internet businesses that cater to permitting transactions and money transfers made via the World Wide Web. It is an automated substitute to customary paper methods, that is to say, checks and money orders. This payment processing system is manageable even to the first-timers in online buying and selling. PayPal is an exceptional tool intended for credit card processing since it is trustworthy and has a clean and thriving name in the industry. One thing that makes it so well-liked and accepted because of the fact that their online processor is compatible to e-commerce of all varieties.
Its normal asking price is about $50 for the overall arrangement and 1.5% per transaction charge. PayPal occasionally holds promos where you can get excellent discounts and maybe by the stroke of luck, you can acquire their services free of charge providing that you are a prospective user of PayPal.
Setting up a merchant account and PayPal for your average-class Internet business is one way of excelling in your chosen field of enterprise. In connection with that, being aware of the expected fees to be paid is a notable way to get started.
3 Simple Stages Involved in Credit Card Transactions Making It More Convenient and Profitable to Do Business
When your customer purchases something from your store using a credit card, the information and money involved follows a certain process technically called an interchange. It consists of three basic stages including verification and authorization; reporting, settlement, and billing; and funding. It also involves another process in case a chargeback is claimed.
Credit card payment process sure does sound complicated, especially with the different parties involved and the different channels consumers can make use of to pay using their credit cards. The process is technically the same, varying only during verification and authorization process as different terminals are used to do this, such as point-of-sale (POS) or virtual terminal. Here are the stages by which credit payments go through from the moment a purchase has been made to the moment funds are sent as payment to your merchant account:
Verification and authorization
This is the first step in credit card transaction by which your client or the cardholder decides to make a purchase using his credit card. In retail stores, a client's credit card is swiped on the point-of-sale (POS) terminal, while online stores use virtual terminals wherein confidential credit card information are inputted by a client through a secure website. Mail Order/Telephone Order (MOTO) and mobile credit card transactions may be done either by installing a POS terminal on the merchant's computer or using a virtual terminal. The card information is then transmitted to the credit card processor, who in turn relays it for verification to card issuing companies like HSBC, Capital One, and Citi Cards through credit card networks such as Visa and Mastercard. Once information and amount have been verified, the transaction, whether rejected or approved, is reverted to the credit card processor, who also gives response to you about the authorization of the transaction. Once approved, the POS terminal will generate charge slips, which need to be signed by the cardholder. The client keeps the customer copy, while you keep the merchant copy and retain the bank copy if there is any. For virtual terminals, a notice will appear on the customer's screen that the transaction has been completed, as well as the corresponding reference number. A record of approved transactions will also be automatically recorded in your integrated system. This stage in credit card transaction, regardless of the terminal used, is done almost instantly, making it very convenient for you and your customers.
Reporting, settlement, and billing
So how do you collect from your clients? First of all, you do not directly collect from your customers. What happens is that you generate a report of your daily credit card transactions in a batch and send it to your credit card processor. Otherwise known as batching, this report is usually done at the end of the day. Your credit card processor forwards the batch to the credit card network, who collects the funds from card issuing companies. These issuing companies are the ones who collect payments from your customers through the monthly statements of account they generate. The credit card processor then receives payments usually the next banking day.
Funding
Once funds are already credited or paid to your credit card processors, you are now ready receive the payment in the merchant account you opened. The amount you will receive is usually net of the discount rate, which you pay your processor for every credit card transaction processed. Other fees are deducted either annually or monthly from your merchant account. Do care to know about the costs involved and the payment scheme before entering into a contract with a credit card processor. In as fast as two to three days, you are now now ready to use the funds from your credit cards sales.
These three are the basic stages that a credit card transaction normally goes through. However, you also need to know that a further process also applies as to handling chargebacks. A chargeback occurs when a customer who has been billed or has already paid for his purchase disputes the transaction made. One of the most common reasons for such dispute is that the customer is dissatisfied of your product or service. There is also a possibility that the product he received was not the one described or he has not received any item at all. Here's how it goes:
Knowing the process by which every credit card transaction goes through is important for you understand how client information as well as funds are coursed through. In cases problems arise, you would know who to address your concerns to. It will also help you understand the nature of some costs that go with credit card processing. Finally, it will help you realize how the ease and security of the payment process can help make doing business more convenient for you and your customers, resulting to a more profitable business.
Credit card payment process sure does sound complicated, especially with the different parties involved and the different channels consumers can make use of to pay using their credit cards. The process is technically the same, varying only during verification and authorization process as different terminals are used to do this, such as point-of-sale (POS) or virtual terminal. Here are the stages by which credit payments go through from the moment a purchase has been made to the moment funds are sent as payment to your merchant account:
Verification and authorization
This is the first step in credit card transaction by which your client or the cardholder decides to make a purchase using his credit card. In retail stores, a client's credit card is swiped on the point-of-sale (POS) terminal, while online stores use virtual terminals wherein confidential credit card information are inputted by a client through a secure website. Mail Order/Telephone Order (MOTO) and mobile credit card transactions may be done either by installing a POS terminal on the merchant's computer or using a virtual terminal. The card information is then transmitted to the credit card processor, who in turn relays it for verification to card issuing companies like HSBC, Capital One, and Citi Cards through credit card networks such as Visa and Mastercard. Once information and amount have been verified, the transaction, whether rejected or approved, is reverted to the credit card processor, who also gives response to you about the authorization of the transaction. Once approved, the POS terminal will generate charge slips, which need to be signed by the cardholder. The client keeps the customer copy, while you keep the merchant copy and retain the bank copy if there is any. For virtual terminals, a notice will appear on the customer's screen that the transaction has been completed, as well as the corresponding reference number. A record of approved transactions will also be automatically recorded in your integrated system. This stage in credit card transaction, regardless of the terminal used, is done almost instantly, making it very convenient for you and your customers.
Reporting, settlement, and billing
So how do you collect from your clients? First of all, you do not directly collect from your customers. What happens is that you generate a report of your daily credit card transactions in a batch and send it to your credit card processor. Otherwise known as batching, this report is usually done at the end of the day. Your credit card processor forwards the batch to the credit card network, who collects the funds from card issuing companies. These issuing companies are the ones who collect payments from your customers through the monthly statements of account they generate. The credit card processor then receives payments usually the next banking day.
Funding
Once funds are already credited or paid to your credit card processors, you are now ready receive the payment in the merchant account you opened. The amount you will receive is usually net of the discount rate, which you pay your processor for every credit card transaction processed. Other fees are deducted either annually or monthly from your merchant account. Do care to know about the costs involved and the payment scheme before entering into a contract with a credit card processor. In as fast as two to three days, you are now now ready to use the funds from your credit cards sales.
These three are the basic stages that a credit card transaction normally goes through. However, you also need to know that a further process also applies as to handling chargebacks. A chargeback occurs when a customer who has been billed or has already paid for his purchase disputes the transaction made. One of the most common reasons for such dispute is that the customer is dissatisfied of your product or service. There is also a possibility that the product he received was not the one described or he has not received any item at all. Here's how it goes:
- First, the customer formally makes a complaint to his credit card issuer. If the issuer finds it invalid, the complaint will be declined; otherwise a provisionary refund will be given to the customer.
- If the refund is granted, the issuer then claims credit from your credit card processor who in turn relays the complaint to you through a mail notification.
- Your processor deducts applicable amount from your merchant account, including chargeback fees.
- If you find the dispute untrue, you may send a rebuttal together with supporting documents and send it to your credit card processor. Normally, you are given at least ten days from receipt notification to respond to such chargebacks. If you find the dispute valid, there is no need for a rebuttal.
- If your credit card processor finds your rebuttal valid, it will forward your response to the credit card issuing company and reclaims the funds for you.
- The credit card issuing company will then refund the amount and lets the customer repay for the transaction.
- The amount will then be credited back to your merchant account.
Knowing the process by which every credit card transaction goes through is important for you understand how client information as well as funds are coursed through. In cases problems arise, you would know who to address your concerns to. It will also help you understand the nature of some costs that go with credit card processing. Finally, it will help you realize how the ease and security of the payment process can help make doing business more convenient for you and your customers, resulting to a more profitable business.
4 Types of Merchant Accounts and How They Differ from One Another
The four types of merchant accounts are: retail or traditional merchant account; Internet merchant account; MOTO or mail order - telephone order merchant account; and, wireless or mobile merchant account. Normally, these types of merchant accounts differ in these two major aspects: on the transaction fees incurred and on the rules or restrictions that govern each type of account.
Whatever kind of business you have, there is a need to have a merchant account in order to increase and eventually maximize your sales. Whether you have a physical store, an online business, or even a mobile business, incorporating a merchant account to it will definitely generate more sales. It can attract more customers primarily because we are now dealing with a cashless society. The type of merchant account you should acquire should be an answer to the type of trade you are into. Below are the four types of accounts which are differentiated from one another to aid you in your decision-making in choosing for the most suitable one for you:
Retail or traditional merchant account
This is intended for a retail type of business like department stores and grocery stores. The card should be physically present upon item purchase, and the card should be swiped through a card terminal which should be found inside the store premises. This type of merchant account charges the lowest discount rate, but then it charges a higher rate for monthly fees.
Internet merchant account
Internet accounts are quite similar to a MOTO account in terms of rules and rates. This is the most in demand nowadays. This is because of the increasing online businesses that are sprouting. This merchant account is used by vendors to sell their products over the net. The card payments are processed through a virtual terminal or by employing the services of a payment gateway. The discount rates charged are on the medium range while the rate for monthly fees are from middle to high.
MOTO or mail order - telephone order merchant account
This merchant account allows purchase of items without having to leave your house. You can order by phone or by mail order. Its discount rate is higher. However, the other fees are low.
Wireless or mobile merchant account
This merchant account type is appropriate for mobile businesses and professionals. This is designed to accommodate payments anywhere when necessary. A mobile merchant account service is recommended for contractors, landscapers, etc. Wireless merchant account uses a credit card machine like that of a traditional or retail merchant account. The only difference is that wireless machines is using a wireless network while a retail card machine is connecting to a telephone line. When it comes to monthly fees, this a mobile merchant account offers higher discount rates, while the monthly fees are lower.
Merchant accounts are very useful to businesses. In fact, a business can even have more than one type of merchant account. It all depends on the growing needs of a particular business.
Whatever kind of business you have, there is a need to have a merchant account in order to increase and eventually maximize your sales. Whether you have a physical store, an online business, or even a mobile business, incorporating a merchant account to it will definitely generate more sales. It can attract more customers primarily because we are now dealing with a cashless society. The type of merchant account you should acquire should be an answer to the type of trade you are into. Below are the four types of accounts which are differentiated from one another to aid you in your decision-making in choosing for the most suitable one for you:
Retail or traditional merchant account
This is intended for a retail type of business like department stores and grocery stores. The card should be physically present upon item purchase, and the card should be swiped through a card terminal which should be found inside the store premises. This type of merchant account charges the lowest discount rate, but then it charges a higher rate for monthly fees.
Internet merchant account
Internet accounts are quite similar to a MOTO account in terms of rules and rates. This is the most in demand nowadays. This is because of the increasing online businesses that are sprouting. This merchant account is used by vendors to sell their products over the net. The card payments are processed through a virtual terminal or by employing the services of a payment gateway. The discount rates charged are on the medium range while the rate for monthly fees are from middle to high.
MOTO or mail order - telephone order merchant account
This merchant account allows purchase of items without having to leave your house. You can order by phone or by mail order. Its discount rate is higher. However, the other fees are low.
Wireless or mobile merchant account
This merchant account type is appropriate for mobile businesses and professionals. This is designed to accommodate payments anywhere when necessary. A mobile merchant account service is recommended for contractors, landscapers, etc. Wireless merchant account uses a credit card machine like that of a traditional or retail merchant account. The only difference is that wireless machines is using a wireless network while a retail card machine is connecting to a telephone line. When it comes to monthly fees, this a mobile merchant account offers higher discount rates, while the monthly fees are lower.
Merchant accounts are very useful to businesses. In fact, a business can even have more than one type of merchant account. It all depends on the growing needs of a particular business.
Gold breaks $1,100
NEW YORK (TheStreet) -- George Gero, vice president of global futures at RBC Capital Markets, expects gold prices to rise from current levels as Greek sovereign debt fears abate
Burnham Sees U.S. Stocks Rising, Likes Citigroup, GE
March 23 (Bloomberg) -- Jon Burnham, chairman of the Burnham Financial Group, talks with Bloomberg's Lori Rothman about his investment strategy for U.S. stocks. Burnham also discusses the outlook for equities, financial regulation and a possible initial public offering by General Motors Co. (Source: Bloomberg)
Tips for Buying a Home in a Buyers Market
How you get the best bang for you buck when buying a home
foreclosure sales , short sales the sheriff sales that's where the good deals are ...
Real-estate expert Billy Procida on how to get the most bang for your buck when buying a house.
Bob Chapman is expecting 14% Inflation
Connecticut Attorney general Richard Blumenthal is suing Moody's for false rating
Bob Chapman : Get your cash out of the Banks and The Stock Market - we will have Bank Holiday and the Stock market will crash by the end of this year
Mr. Chapman also known as The International Forecaster is a 74 years old. He was born in Boston, MA and attended Northeastern University majoring in business management. He spent three years in the U. S. Army Counterintelligence, mostly in Europe. He speaks German and French and is conversant in Spanish. He lived in Europe for six years, off and on, three years in Africa, a year in Canada and a year in the Bahamas.
Mr. Chapman became a stockbroker in 1960 and retired in 1988. For 18 of those years he owned his own brokerage firm. He was probably the largest gold and silver stockbroker in the world during that period. When he retired he had over 6,000 clients.
Starting in 1967 Mr. Chapman began writing articles on business, finance, economics and politics having been printed and reprinted over the years in over 200 publications. He owned and wrote the Gary Allen Report, which had 30,000 subscribers. He currently is owner and editor of The International Forecaster, a compendium of information on business, finance, economics and social and political issues worldwide, which reaches 10,000 investors and brokers monthly directly, and parts of his publication are picked up by 60 different websites weekly exposing his ideas to over 10 million investors a week.
In June of 1991, at the request of business associates, and due to retirement boredom, he began writing the International Forecaster.
Bob Chapman : do not expect the government to guarantee your bank account , it is bankrupt
The Top Ten Conspiracy Theories
The Worlds Greatest Conspiracy Theories
The world greatest conspiracy theories from Elvis to the UFOs and the reptilians of David Icke and the moon landing should we believe or should we be skeptical
Credit Suisse Tao Discusses China Yuan Policy
Credit Suisse's Tao Discusses China's Yuan Policy
March 23 (Bloomberg) -- Dong Tao, a Hong Kong-based economist at Credit Suisse Group AG, talks with Bloomberg's Susan Li about calls for China to allow its currency to appreciate. (This is an excerpt of the full interview. Source: Bloomberg)Monday, March 22, 2010
Bob Lazar - Art Bell - UFOs and Hydrogen Fuel
AIR CHECK - C2C-AM - Art Bell - Bob Lazar - UFOs and Hydrogen Fuel -6 December 2003
Bob Lazar is the President of United Nuclear. They specialize in research & development of cutting edge technologies, design and manufacture of radiation detection equipment for the nuclear weapons industry, and the retail of scientific equipment & supplies. He was formerly senior staff physicist for the U.S. Department of Naval Intelligence at the Nevada Test Site and a nuclear physicist at Los Alamos National Laboratory, where he was involved in advanced nuclear weapon design and development.
12/6/03, Bob Lazar (unitednuclear.com) discussed UFOs and alternative energy.
Bob Lazar, known for his stories about Area 51, discussed UFOs as well as his company, United Nuclear(1), which has developed a Hydrogen Fuel System for automobiles and home power generation. This link(2) about the discovery of Element 115 relates to some of the material Lazar presented.
UFO Group Wants Obama to come Clean - Fox News
UFO Group Wants Obama To come Clean about Alleged US Government Contact with Extraterrestrials, Fox News reports.
U.S. Stocks Rise as Drugmakers Gain on House Health Bill
March 22 (Bloomberg) -- Bloomberg's Deborah Kostroun reports on the performance of the U.S. equity market today. Stocks rose, erasing an early drop, as drugmakers gained after the House of Representatives passed an overhaul of the health-care industry and analyst upgrades lifted companies from Citigroup Inc. to Boeing Co. (Source: Bloomberg)
Gold is having a Correction but will continue to Rise says Doody
NEW YORK (TheStreet) -- J.C. Doody, editor of goldstockanalyst.com, says gold's sell-off doesn't concern him as he sees fundamental reasons for gold going higher.
Charting Gold, Oil & More
Answering viewers' requests, Daryl Guppy, CEO of Guppytraders.com, charts spot gold, the Aussie dollar, the Canadian dollar, HSBC, the FTSE 100, and Nymex light sweet crude
Housing Market Will Fall 10%-15% says Dick Bove
One out of Seven Houses in the US is empty
For the past year, the Fed has been buying mortgage-backed securities in an effort to keep mortgage rates low and provide some support to the housing market. On March 31, the Fed says, it will stop buying mortgage-backed securities. So what will happen to mortgage rates and house prices? No one knows, says Dick Bove, the wise and fearless analyst at Rochdale Securities.
Difference Between a Merchant Account and Paypal
Merchant account is a special type of bank account that allows businesses to accept and process payments through your chosen bank account while, Paypal whose purpose is basically the same as that of the merchant account; however, it uses someone else's account to process your transactions.
In general, both the Merchant account and the Paypal differ in several aspects like the type of business, number of transaction, speed of approval and cost. To help you decide, pros and cons must be carefully evaluated before acquiring an account.
Merchant account
A merchant account is an agreement between a merchant bank and the merchant for settlement of online transactions, which is also known as payment processing or credit card processing. When a merchant makes a sale, sales will be deposited to his chosen account. The same thing applies when a refund transaction is made, funds will be withdrawn from the merchant's account. Although merchant account is difficult to acquire, it has some advantages that proved to be useful for your business namely:
* Handles transfer of funds from the customer to the merchant's bank account faster and safer
* All transactions are secured by the Federal banking regulations
Type of business
The type of business a merchant account accepts is a real business that has established physical stores, which have lower risk and lesser chances of fraud.
Number of transaction
Merchant account prefers higher volume transactions and on a regular basis.
Speed of approval
Most merchant accounts are difficult to acquire. Several supporting documents are needed and verified before one can successfully get an account. It is an advantage if you get a merchant account with a bank that you have an existing transaction with.
Cost
A regular monthly fee will be charged to the merchant's account whether or not a transaction has been completed.
Paypal
As a third party processor, Paypal allows you to send and receive online payments. Getting a Paypal account is easier compared to a merchant account. One can also leave or discontinue the account anytime without any obligation. Like the merchant account, Paypal also has some advantages such as:
* Allows you to send money without revealing your credit card details and bank account information
* Does not have limit on volume of transaction
Type of business
Those businesses that don't qualify for merchant account application like high risk business, bad credit record, or small and newly opened business are readily accepted at Paypal.
Number of transaction
Paypal does not require a minimum volume of transaction; however, it would be cheaper to have it in bulk per transaction.
Speed of approval
A Paypal account allows easy application and approval for any type of business including those considered high risk. All you need to do is apply online by supplying your personal information as well as your credit card details.
Cost
You don't have to worry about the costs and fees since Paypal charges on a per transaction basis only. Clients are not obliged to pay monthly dues and other charges when there is no transaction conducted.
Before deciding what type of account you will get for you business, first you need to weigh things including the advantages and disadvantages. You can also research more about the types of accounts to help you understand better about their differences.
If you are just trying out or starting an online store, better get a PayPal account. But if you are really serious with your online business and monthly sales are dramatically increasing, then merchant account might just be the best option. It will cost you less in the long run.
In general, both the Merchant account and the Paypal differ in several aspects like the type of business, number of transaction, speed of approval and cost. To help you decide, pros and cons must be carefully evaluated before acquiring an account.
Merchant account
A merchant account is an agreement between a merchant bank and the merchant for settlement of online transactions, which is also known as payment processing or credit card processing. When a merchant makes a sale, sales will be deposited to his chosen account. The same thing applies when a refund transaction is made, funds will be withdrawn from the merchant's account. Although merchant account is difficult to acquire, it has some advantages that proved to be useful for your business namely:
* Handles transfer of funds from the customer to the merchant's bank account faster and safer
* All transactions are secured by the Federal banking regulations
Type of business
The type of business a merchant account accepts is a real business that has established physical stores, which have lower risk and lesser chances of fraud.
Number of transaction
Merchant account prefers higher volume transactions and on a regular basis.
Speed of approval
Most merchant accounts are difficult to acquire. Several supporting documents are needed and verified before one can successfully get an account. It is an advantage if you get a merchant account with a bank that you have an existing transaction with.
Cost
A regular monthly fee will be charged to the merchant's account whether or not a transaction has been completed.
Paypal
As a third party processor, Paypal allows you to send and receive online payments. Getting a Paypal account is easier compared to a merchant account. One can also leave or discontinue the account anytime without any obligation. Like the merchant account, Paypal also has some advantages such as:
* Allows you to send money without revealing your credit card details and bank account information
* Does not have limit on volume of transaction
Type of business
Those businesses that don't qualify for merchant account application like high risk business, bad credit record, or small and newly opened business are readily accepted at Paypal.
Number of transaction
Paypal does not require a minimum volume of transaction; however, it would be cheaper to have it in bulk per transaction.
Speed of approval
A Paypal account allows easy application and approval for any type of business including those considered high risk. All you need to do is apply online by supplying your personal information as well as your credit card details.
Cost
You don't have to worry about the costs and fees since Paypal charges on a per transaction basis only. Clients are not obliged to pay monthly dues and other charges when there is no transaction conducted.
Before deciding what type of account you will get for you business, first you need to weigh things including the advantages and disadvantages. You can also research more about the types of accounts to help you understand better about their differences.
If you are just trying out or starting an online store, better get a PayPal account. But if you are really serious with your online business and monthly sales are dramatically increasing, then merchant account might just be the best option. It will cost you less in the long run.
China Faces Price Increases on Iron Ore, Coal Says Gavin Wendt
March 22 (Bloomberg) -- Gavin Wendt, a senior resource analyst at Mine Life Pty, talks with Bloomberg's Linzie Janis about the outlook for iron ore and coal prices. Wendt, speaking in Sydney, also discusses the trial of Rio Tinto Group executive Stern Hu on bribery charges in China.
Petrobras Focuses on Offshore Oil ; Novell Spurns Elliott
March 22 (Bloomberg) -- Bloomberg's Erik Schatzker reports on the latest breaking business news and top stories in today's Business Briefs. (Source: Bloomberg)
Bob Chapman : we will have a Double Down not a Double dip Recession - The FED is playing with fire
Bob Chapman on Goldseek Radio 20 Mar 2010
Bob Chapman The International Forecaster : I think as we go forward in the six month thereafter into the election there will be a human cry from the administration and some in the congress that we should have some more stimulus , and with that said how much would they need I would think considering what we have seen , they will need at least another 800 billion , and The FED has got to reverse itself and start requifying or if we do not have a stimulus and we do not have requification in about a year to a year and a half the economy won't be in a double dip it will be a double down and it is going to be a situation in which inflation will not be able to overcome deflation ...The FED is playing with fire and if they want to keep the system going they've got to continue just like in unemployment to extend extend extend and if they do not do that the system is going down ....I think they are faced with a terrible dilemma because they have used so much stimulus already the second stimulus plan..."Money is not important it is what you do with it " says Bob Chapman..."In Gold you go long , you stay long " "The world is full of Fiat currency , Deflation is even a more important factor to own gold than inflation , sure when inflation runs up you make a lot of money , but deflation is even better for gold holders because everything goes down and gold does not "
Bob Chapman : Get your cash out of the Banks and The Stock Market - we will have Bank Holiday and the Stock market will crash by the end of this year
Mr. Chapman also known as The International Forecaster is a 74 years old. He was born in Boston, MA and attended Northeastern University majoring in business management. He spent three years in the U. S. Army Counterintelligence, mostly in Europe. He speaks German and French and is conversant in Spanish. He lived in Europe for six years, off and on, three years in Africa, a year in Canada and a year in the Bahamas.
Mr. Chapman became a stockbroker in 1960 and retired in 1988. For 18 of those years he owned his own brokerage firm. He was probably the largest gold and silver stockbroker in the world during that period. When he retired he had over 6,000 clients.
Starting in 1967 Mr. Chapman began writing articles on business, finance, economics and politics having been printed and reprinted over the years in over 200 publications. He owned and wrote the Gary Allen Report, which had 30,000 subscribers. He currently is owner and editor of The International Forecaster, a compendium of information on business, finance, economics and social and political issues worldwide, which reaches 10,000 investors and brokers monthly directly, and parts of his publication are picked up by 60 different websites weekly exposing his ideas to over 10 million investors a week.
In June of 1991, at the request of business associates, and due to retirement boredom, he began writing the International Forecaster.
Bob Chapman : do not expect the government to guarantee your bank account , it is bankrupt
Markets to Respond to Health-Care Vote; Stocks Drop
March 22 (Bloomberg) -- Jane King summarizes the top stories this morning on the Bloomberg Business Report. Congress passes historic, controversial health care bill. Abortion issue fails.
Congress passes historic health care bill Senate abortion
Congress passes historic health care bill Senate abortion
Sunday, March 21, 2010
China vs the US - The Battle For Oil
China vs the US - The Battle For Oil
The figures speak for themselves today China is the second largest consumer of oil just behind the United States and with an average annual growth of around 8% , China's energy needs are increasing substantially , China has to import half of its oil needs in three years time the figure will be two thirds , without that oil China economy will go to the ground , China must find and supply new sources of oil all in an increasingly unstable world ..in this crusade for the black gold China finds itself toe to toe with the largest consumer of crude oil the United States of America
6 Good Reasons Why Your Business Should Accept Credit Cards
Your business should accept credit cards because it gives consumers a convenient way of paying, encourages impulse purchases, improves business cash flow, provides security, attracts international customers, and it also lets your business cater large orders.
E very business owners want to succeed even with the rise of tough competitors in the global market. They have been trying new strategies just to keep their business and their profit flowing continuously. A very productive strategy which has been adapted by many is the acceptance of credit cards as payments from their customers. It had been an effective business booster and if you think your business is slow, this might be what you’re looking for. Here are the reasons why your business should also adapt this strategy:
Gives consumers a convenient way of paying
Nowadays, consumers use their credit cards in purchasing various items and services. They find it rather very convenient carrying credit cards than carrying cash or checks with them. So if your accept credit cards, you are being flexible to your customers’ needs and you have given them another agreeable option for their payments.
Encourages impulse purchases
As you give your customers a more flexible way of payment, you should also anticipate that your business would likely attract more and all sorts of customers including “impulse buyers”. They are the ones who would instantly buy whatever they want no matter how it costs without any second thoughts. By accepting credit cards, you won’t pass the chance of instant transaction and fast profit.
Improves business cash flow
By accepting card payments, you will notice an improvement in your cash flow. This is because consumers buy more when using their credit cards. Another reason is that credit card payments are also processed more quickly and funds are transferred faster than with checks. You will receive your funds as quickly as one working day or up to a week, though it varies greatly on whatever merchant account you applied.
Provides security
You won’t have to worry anymore about theft because you’ll be holding less cash when you start to process credit card payments. All transactions are made electronically and funds are transferred from one bank to another. This will provide a certain level of security to you and your customers.
Attracts international customers
Credit cards are used worldwide and when you start accepting them, you will also be inviting international customers to purchase in your store. Currency conversions are done automatically so any transactions made are done almost instantly.
Caters large orders
People paying with credit cards tend to purchase more than someone who pays only by cash or check. If you cater customers with large orders, it practically means you are also receiving huge amounts of profits.
Though accepting credit cards costs a small fortune just to maintain it, but still, it would be very beneficial to your business if you adapt it. Never count the cost you’ve spent because its benefits outweighs more than what you’ve lost.
E very business owners want to succeed even with the rise of tough competitors in the global market. They have been trying new strategies just to keep their business and their profit flowing continuously. A very productive strategy which has been adapted by many is the acceptance of credit cards as payments from their customers. It had been an effective business booster and if you think your business is slow, this might be what you’re looking for. Here are the reasons why your business should also adapt this strategy:
Gives consumers a convenient way of paying
Nowadays, consumers use their credit cards in purchasing various items and services. They find it rather very convenient carrying credit cards than carrying cash or checks with them. So if your accept credit cards, you are being flexible to your customers’ needs and you have given them another agreeable option for their payments.
Encourages impulse purchases
As you give your customers a more flexible way of payment, you should also anticipate that your business would likely attract more and all sorts of customers including “impulse buyers”. They are the ones who would instantly buy whatever they want no matter how it costs without any second thoughts. By accepting credit cards, you won’t pass the chance of instant transaction and fast profit.
Improves business cash flow
By accepting card payments, you will notice an improvement in your cash flow. This is because consumers buy more when using their credit cards. Another reason is that credit card payments are also processed more quickly and funds are transferred faster than with checks. You will receive your funds as quickly as one working day or up to a week, though it varies greatly on whatever merchant account you applied.
Provides security
You won’t have to worry anymore about theft because you’ll be holding less cash when you start to process credit card payments. All transactions are made electronically and funds are transferred from one bank to another. This will provide a certain level of security to you and your customers.
Attracts international customers
Credit cards are used worldwide and when you start accepting them, you will also be inviting international customers to purchase in your store. Currency conversions are done automatically so any transactions made are done almost instantly.
Caters large orders
People paying with credit cards tend to purchase more than someone who pays only by cash or check. If you cater customers with large orders, it practically means you are also receiving huge amounts of profits.
Though accepting credit cards costs a small fortune just to maintain it, but still, it would be very beneficial to your business if you adapt it. Never count the cost you’ve spent because its benefits outweighs more than what you’ve lost.
Bob Chapman Morning Liberty Show and Goldseek Radio Interviews
Bob Chapman : Get your cash out of the Banks and The Stock Market - we will have Bank Holiday and the Stock market will crash by the end of this year
Mr. Chapman also known as The International Forecaster is a 74 years old. He was born in Boston, MA and attended Northeastern University majoring in business management. He spent three years in the U. S. Army Counterintelligence, mostly in Europe. He speaks German and French and is conversant in Spanish. He lived in Europe for six years, off and on, three years in Africa, a year in Canada and a year in the Bahamas.
Mr. Chapman became a stockbroker in 1960 and retired in 1988. For 18 of those years he owned his own brokerage firm. He was probably the largest gold and silver stockbroker in the world during that period. When he retired he had over 6,000 clients.
Starting in 1967 Mr. Chapman began writing articles on business, finance, economics and politics having been printed and reprinted over the years in over 200 publications. He owned and wrote the Gary Allen Report, which had 30,000 subscribers. He currently is owner and editor of The International Forecaster, a compendium of information on business, finance, economics and social and political issues worldwide, which reaches 10,000 investors and brokers monthly directly, and parts of his publication are picked up by 60 different websites weekly exposing his ideas to over 10 million investors a week.
In June of 1991, at the request of business associates, and due to retirement boredom, he began writing the International Forecaster.
Bob Chapman : do not expect the government to guarantee your bank account , it is bankrupt
Saturday, March 20, 2010
Bob Chapman : Healthcare is about people control on a soviet model
Bob Chapman with Pastor Butch March 17 2010
Bob Chapman the International Forecaster speaking about the Healthcare bill says : I think it is all about people control , with socialized medicine really on a soviet model the government will be able to tell you who gets treated an who does not the method of treatment by a non doctor there will be formulas and they will decide what modalities he'll be allowed to administer , and also he will be told whether they want to allow the patient to die as well ...they gonna make the forty million people who do not have insurance get insurance so the insurance companies really like that as well as the hospital companies and of course the pharmaceutical manufacturers and they all will make lots lots of money , Bob Chapman explains...they will decide which people get treated which doctors they will go to ...I got a survey today saying that 42 percent of doctors are going to quit their practice if the bill passes says Bob Chapman ...if we lose one third of our doctors in the United States you will die waiting for treatment ....
Bob Chapman : Get your cash out of the Banks and The Stock Market - we will have Bank Holiday and the Stock market will crash by the end of this year
Mr. Chapman also known as The International Forecaster is a 74 years old. He was born in Boston, MA and attended Northeastern University majoring in business management. He spent three years in the U. S. Army Counterintelligence, mostly in Europe. He speaks German and French and is conversant in Spanish. He lived in Europe for six years, off and on, three years in Africa, a year in Canada and a year in the Bahamas.
Mr. Chapman became a stockbroker in 1960 and retired in 1988. For 18 of those years he owned his own brokerage firm. He was probably the largest gold and silver stockbroker in the world during that period. When he retired he had over 6,000 clients.
Starting in 1967 Mr. Chapman began writing articles on business, finance, economics and politics having been printed and reprinted over the years in over 200 publications. He owned and wrote the Gary Allen Report, which had 30,000 subscribers. He currently is owner and editor of The International Forecaster, a compendium of information on business, finance, economics and social and political issues worldwide, which reaches 10,000 investors and brokers monthly directly, and parts of his publication are picked up by 60 different websites weekly exposing his ideas to over 10 million investors a week.
In June of 1991, at the request of business associates, and due to retirement boredom, he began writing the International Forecaster.
Bob Chapman : do not expect the government to guarantee your bank account , it is bankrupt
The secret of Gold - Gold as an investment
Gold as an investment
(from Wikipedia the free encyclopedia)
Of all the precious metals, gold is the most popular as an investment. Investors generally buy gold as a hedge or safe haven against any economic, political, social or currency-based crises. These crises include investment market declines, burgeoning national debt, currency failure, inflation, war and social unrest. Investors also buy gold early in a bull market and aim to sell it before a bear market begins, in an attempt to gain financially.
Gold has been used throughout history as a form of payment and has been a relative standard for currency equivalents specific to economic regions or countries. Many European countries implemented gold standards in the later part of the 19th century until these were dismantled in the financial crises involving World War I. After World War II, the Bretton Woods system pegged the United States dollar to gold at a rate of US$35 per troy ounce. The system existed until the 1971 Nixon Shock, when the US unilaterally suspended the direct convertibility of the United States dollar to gold.
Since 1919 the most common benchmark for the price of gold has been the London gold fixing, a twice-daily telephone meeting of representatives from five bullion-trading firms of the London bullion market. Furthermore, gold is traded continuously throughout the world based on the intra-day spot price, derived from over-the-counter gold-trading markets around the world. The following table sets forth the gold price versus various assets and key statistics
Charts: Stocks Looking Bullish for gold currencies emerging markets and equities
The emerging markets currencies and equities are performing extremely well , it is an extremely bullish scenario , in January we had bearish signals , all of those negated , regarding Gold the top at the moment is at 1135 the recent high as at 1145 if Gold breaks these two levels then it is game on for the resumption of a long term uptrend which will push gold back at its highs at around 1225 but realistically beyond that we are looking forward the 1300 and even further later this year
Friday, March 19, 2010
5 Helpful Tips in Choosing the Best Check Printing Software
The most effective method in choosing the best check printing software requires you to take into account the range of features included in the software, consider overall ease, give importance to security features, look at user support, and consider the affordability of the software.
Knowing the best check printing software entails comparison among different software available in today’s market. To fully utilize the benefits of check printing software to make your business operations more efficient, it is best to consider the following tips:
Take into account the range of features included in the software
The most important determining factor in choosing the best check printing software is the range of features it offers. It must possess the certain check design and accounting features you need for your business. Check if you can personalize the checks with regards to font details, logos, and more. If you are handling different deposit accounts in your business, you may consider a software that can support multiple accounts. Try to see if there are added features that reduce your workload, such as automated bank reconciliation, automatic customer information storage, automatic generation of accounting entries upon check issuance, recurring payment features, and automatic recording of checks that have been issued, among many other features. Again, just make sure that all your needs are being addressed.
Consider overall ease
One of the main objectives in obtaining check printing software is to make your accounting functions more efficient, easier, and less time-consuming. It is therefore very important for your software to offer overall ease starting from installation up to the application of its features. Aside from easy setup, it must also be quick to install, without having to wait for hours to finish the installation process. The software should be compatible with many computer system configurations and printers, especially with the ones you are using. It must also be easy to use for your daily transactions and easy to navigate. In other words, it should be user-friendly in order to make your work more efficient.
Give importance to security features
The software’s security feature is very important to protect the data entered and generated in the software. The check printing software must have reliable safety features such as requiring the use of usernames and passwords for authorized users and approvers only, as well as the regular change of passwords. This will help minimize the occurrence of illegal activities that unauthorized individuals may do, such as a blank check issuance.
Look at user support
It is also very important to look at user support that goes with the software when choosing check printing software. The company must be able to provide a user manual, both on its website and on the software itself to be guided of the installation process and the use of the software. It must also be able to promptly answer all your inquiries and concerns made via different channels, such as email, telephone, mobile, and online chat. It is important that you are able to keep in touch them in your most convenient way, whenever the need to contact them arises.
Consider the affordability of the software
Finally, you need to consider how affordable a certain check printing software is in relation to the features it includes. Software packages with much simpler functions are logically less expensive than those with more features. Again, your accounting needs still dictate the type of software you need to get. You can even find a lot of free downloadable check printing software on the Internet that address simple check-writing and printing needs. Just make sure that these software are reliable and are really helpful for your business.
To help you choose the best check printing software, it would also be advisable to go over customer feedback and product reviews. There are websites, such as TopTenReviews.com, that can provide you a comparison of the different software packages and costs, as well as customer reviews, making it easier for you to choose. With check printing software, your job and operations are sure to be easier, more convenient, and more efficient.
Knowing the best check printing software entails comparison among different software available in today’s market. To fully utilize the benefits of check printing software to make your business operations more efficient, it is best to consider the following tips:
Take into account the range of features included in the software
The most important determining factor in choosing the best check printing software is the range of features it offers. It must possess the certain check design and accounting features you need for your business. Check if you can personalize the checks with regards to font details, logos, and more. If you are handling different deposit accounts in your business, you may consider a software that can support multiple accounts. Try to see if there are added features that reduce your workload, such as automated bank reconciliation, automatic customer information storage, automatic generation of accounting entries upon check issuance, recurring payment features, and automatic recording of checks that have been issued, among many other features. Again, just make sure that all your needs are being addressed.
Consider overall ease
One of the main objectives in obtaining check printing software is to make your accounting functions more efficient, easier, and less time-consuming. It is therefore very important for your software to offer overall ease starting from installation up to the application of its features. Aside from easy setup, it must also be quick to install, without having to wait for hours to finish the installation process. The software should be compatible with many computer system configurations and printers, especially with the ones you are using. It must also be easy to use for your daily transactions and easy to navigate. In other words, it should be user-friendly in order to make your work more efficient.
Give importance to security features
The software’s security feature is very important to protect the data entered and generated in the software. The check printing software must have reliable safety features such as requiring the use of usernames and passwords for authorized users and approvers only, as well as the regular change of passwords. This will help minimize the occurrence of illegal activities that unauthorized individuals may do, such as a blank check issuance.
Look at user support
It is also very important to look at user support that goes with the software when choosing check printing software. The company must be able to provide a user manual, both on its website and on the software itself to be guided of the installation process and the use of the software. It must also be able to promptly answer all your inquiries and concerns made via different channels, such as email, telephone, mobile, and online chat. It is important that you are able to keep in touch them in your most convenient way, whenever the need to contact them arises.
Consider the affordability of the software
Finally, you need to consider how affordable a certain check printing software is in relation to the features it includes. Software packages with much simpler functions are logically less expensive than those with more features. Again, your accounting needs still dictate the type of software you need to get. You can even find a lot of free downloadable check printing software on the Internet that address simple check-writing and printing needs. Just make sure that these software are reliable and are really helpful for your business.
To help you choose the best check printing software, it would also be advisable to go over customer feedback and product reviews. There are websites, such as TopTenReviews.com, that can provide you a comparison of the different software packages and costs, as well as customer reviews, making it easier for you to choose. With check printing software, your job and operations are sure to be easier, more convenient, and more efficient.
Biofuels vs. OIL , Next Generation Biofuels are going to surprise the oil Market says Vinod Khosla
Vinod Khosla says Biofuels Surprise The Oil Market
March 19 (Bloomberg) -- Vinod Khosla, the biggest U.S. investor in green startups, talks about the outlook for biofuels and the oil market. (Source: Bloomberg)
Bob Chapman : we owe foreigners 4 Trillion Dollars in Treasury bonds - America is Bankrupt
It is impossible to service our debt and the debt that is coming in every week - Bob Chapman
Bob Chapman we are going to have a deficit between 1.6 and 1.8 trillion dollars in this fiscal year , we are going to do that or something close to that for the next ten years , there is no conceivable way that we are going to sell bonds during that period of time to make up that deficit , so I think in the next two years the dollar will fall against other currencies ... and the small and medium business won't be able to get loan and that means the interest rates will rise.... Bob Chapman : we owe foreigners 4 Trillion Dollars in Treasury bonds - America is Bankrupt
Bob Chapman : Get your cash out of the Banks and The Stock Market - we will have Bank Holiday and the Stock market will crash by the end of this year
Mr. Chapman also known as The International Forecaster is a 74 years old. He was born in Boston, MA and attended Northeastern University majoring in business management. He spent three years in the U. S. Army Counterintelligence, mostly in Europe. He speaks German and French and is conversant in Spanish. He lived in Europe for six years, off and on, three years in Africa, a year in Canada and a year in the Bahamas.
Mr. Chapman became a stockbroker in 1960 and retired in 1988. For 18 of those years he owned his own brokerage firm. He was probably the largest gold and silver stockbroker in the world during that period. When he retired he had over 6,000 clients.
Starting in 1967 Mr. Chapman began writing articles on business, finance, economics and politics having been printed and reprinted over the years in over 200 publications. He owned and wrote the Gary Allen Report, which had 30,000 subscribers. He currently is owner and editor of The International Forecaster, a compendium of information on business, finance, economics and social and political issues worldwide, which reaches 10,000 investors and brokers monthly directly, and parts of his publication are picked up by 60 different websites weekly exposing his ideas to over 10 million investors a week.
In June of 1991, at the request of business associates, and due to retirement boredom, he began writing the International Forecaster.
Bob Chapman : do not expect the government to guarantee your bank account , it is bankrupt
S and P 500 May Reach 1,300 and Beyond in 2010 says Linda Duessel
S&P 500 May Reach 1,300 and Beyond in 2010
March 19 (Bloomberg) -- Linda Duessel, market strategist at Federated Investors Inc., talks with Bloomberg's Carol Massar about the outlook for U.S. stocks, Federal Reserve policy and Federated's equity strategy. Duessel says the Standard & Poor's 500 Index could exceed 1,300 by the end of 2010. (Source: Bloomberg)David Tice on The U.S. Stock Market Outlook
March 19 (Bloomberg) -- David Tice , chief portfolio strategist for bear markets at Federated Investors Inc., talks with Bloomberg Television about the outlook for the U.S. stock market. (Source: Bloomberg)
Copper should breakout on higher side
Copper should breakout on higher side
In an exclusive interview with CNBC-TV18, Bharath Kumar, Global Financial Market, discusses various commodities and gives his outlook going forward.Guide to New Credit Card Rules - The New York Times
Guide to New Credit Card Rules
New York Times columnist Ron Lieber finds that there is some cause for concern in the sweeping credit card legislation that passed the Senate on Tuesday.Gold Set to Go Higher Francisco Blanch of Merrill Lynch global research says
Gold set go higher as concerns of European sovereign debt continue to mount , gold trading presently at $1112 , Francisco Blanch of Merrill Lynch global research says The Euro is going to come down gold is going to go up and that trends won't change ...
Thursday, March 18, 2010
9 Good Reasons Why It is Worth Accepting Credit Card Payments to Improve Your Business
The reasons why it is advantageous for your business to accept credit card payments is that it increases your sales; it promotes better cash flow; it involves fast and easy processing; it helps you keep up with the competition in the industry; it keeps your funds secure; it continually presents better features; it helps you save on some costs; it promotes positive image of your business; and it ensures full support from your provider.
You may be wondering if it is even worth spending a penny from your business to be able to accept credit card payments considering the costs involved. Well in the truth is, its advantages will supersede the expenses you incur. Here are the main benefits of accepting credit card payments:
It increases your sales
The best advantage in accepting credit card payments is that it gives you great opportunity to increase in your sales. It expands customer base, attracts and retains customers, automatically converts foreign currencies, and allows installment payments for your customers, which all lead to the enhancement on your sales.
It promotes better cash flow
Credit card processing involves fast turnaround time, which promotes better cash flow. You do not need to wait for weeks since it usually takes only between 1-3 days for the funds to be credited to your merchant account. A better cash flow would mean that your business is liquid enough to serve the operational needs of your business, making your business more efficient.
It involves fast and easy processing
With check payments, the check needs to go through clearing to know whether the customer's account is funded or not. Conversely, approval is done almost instantly with credit card payments. Once a transaction is approved in your retail store using a point-of-sale (POS) terminal, transaction slips are then generated requiring customer's signatures. For online shops, you do not even have to intervene in the payment process. The customer who makes the credit card payment is the one who inputs the relevant information and gets response from the credit card processor whether his transaction is approved or declined. All these make it more convenient to do business on your part and more convenient for your customers to shop.
It helps you keep up with the competition in your industry
Look around and notice that your competitors may be employing this strategy already. Accepting credit card purchases helps you keep up with the competition and thrive in the industry. If your competitors do not accept credit cards yet, then you have a good advantage over them as to customer base and sales.
It keeps your funds secure
As opposed to receiving cash payments in your retail stores, accepting credit cards reduces the risks that go with keeping cash in your drawers. It keeps your fund secure in your merchant account until you decide to withdraw it.
It continually presents better features
When you accept credit card payments, you would find it good to know that along with the costs, better security and other processing features are constantly improved and introduced to make credit card processing safer and more efficient for you and your customers. Heavy competition in the industry plays a great role in effecting this benefit with the effort of the processing companies to making them more attractive to retailers like you. These companies also try to make their fees more competitive. In other words, such competition lets you take advantage of the many benefits that go with accepting credit cards in your store. The strict policies that govern processors are also important to protect your interests as well as the interest of the consumers.
It helps you save on some costs
Just when you think you incur more costs when accepting credit cards, there are other expenses you can actually minimize. You do not have to spend for managing receivables as well as sending bills to some clients. There are also other value-added products and services that credit card processors offer, which help you save on expenses, such as integrated payment gateway and integrated shopping carts for your online store.
It promotes positive image of your business
Accepting credit cards increases your credibility. Customers who learn that you accept credit cards think that you conform with the latest trend in business as well as in technology. That is a great plus for them. Furthermore, according to some surveys, credit card logos that are posted on your stores also create some sort of confidence in consumers' mind as you are affiliated with the legitimate and trusted credit card networks.
It ensures full support from your provider
Even if you're not a tech person, you will not find it hard to set up a terminal to accept credit card payments, nor will you have difficulty getting through the whole credit card process. Credit card processors and merchant account providers guide you with the whole process and provide you with 24/7 customer service support for all your needs, from basic inquiries to technical suppport.
In order to fully benefit from all these advantages of accepting credit card payments for your online or retail store, you have to make sure that you deal with the right parties. Look for a reliable and credible merchant account provider and credit card processor who can provide you with the service you want, who charge you with reasonable fees, and provide you with great customer service. Then, as long as you put your heart into your business, provide your customers with quality products and services, and keep up with the latest trend in the industry, you are sure to have a very promising business ahead of you.
You may be wondering if it is even worth spending a penny from your business to be able to accept credit card payments considering the costs involved. Well in the truth is, its advantages will supersede the expenses you incur. Here are the main benefits of accepting credit card payments:
It increases your sales
The best advantage in accepting credit card payments is that it gives you great opportunity to increase in your sales. It expands customer base, attracts and retains customers, automatically converts foreign currencies, and allows installment payments for your customers, which all lead to the enhancement on your sales.
- Expands customer base. If you accept credit cards on your online store, you are able to cater to more clients in your area as well as international clients, thus expanding your customer base and increasing your sales as a result. You can even accept different currencies if you prefer to open an offshore merchant account, making it more enticing for international customers to purchase from you.
- Attracts and retains customers. Aside from the quality goods and services you offer, acceptance of credit card payments is really a big deal for your clients who give importance to convenience as it does not require them to bring the cash they need for their expenditures. It would now be safer for them especially when making big purchases from your retail store. In addition, accepting credit card is another payment option for them, making your store more attractive for them to shop. Finally, with credit card payments, your customers can also choose which payment channel to make use of when purchasing, such as online, retail, mobile, or mail order/telephone order (MOTO), giving them more freedom, thus promoting customer retention and loyalty.
- Automatically converts foreign currencies. With wider customer base, you should expect to receive purchases from all over the world. One of the greatest features of credit card processing is that it automatically converts foreign currencies for your international clients. You and international customers do not have to deal with the problem of converting the amount. This makes it more attractive for customers, encouraging them to shop from you more; thus increasing your sales.
- Allows installment payments for your customers. Credit card holders can opt to make installment payments for their purchases that allow them to buy more expensive items from your store, thus enhancing your sales and profits. Your customers do not anymore need to save a bulk of cash to purchase their dream TV from your shop, for example; rather, they can avail of the installment plan from their credit card issuer and purchase their TV from you right away.
It promotes better cash flow
Credit card processing involves fast turnaround time, which promotes better cash flow. You do not need to wait for weeks since it usually takes only between 1-3 days for the funds to be credited to your merchant account. A better cash flow would mean that your business is liquid enough to serve the operational needs of your business, making your business more efficient.
It involves fast and easy processing
With check payments, the check needs to go through clearing to know whether the customer's account is funded or not. Conversely, approval is done almost instantly with credit card payments. Once a transaction is approved in your retail store using a point-of-sale (POS) terminal, transaction slips are then generated requiring customer's signatures. For online shops, you do not even have to intervene in the payment process. The customer who makes the credit card payment is the one who inputs the relevant information and gets response from the credit card processor whether his transaction is approved or declined. All these make it more convenient to do business on your part and more convenient for your customers to shop.
It helps you keep up with the competition in your industry
Look around and notice that your competitors may be employing this strategy already. Accepting credit card purchases helps you keep up with the competition and thrive in the industry. If your competitors do not accept credit cards yet, then you have a good advantage over them as to customer base and sales.
It keeps your funds secure
As opposed to receiving cash payments in your retail stores, accepting credit cards reduces the risks that go with keeping cash in your drawers. It keeps your fund secure in your merchant account until you decide to withdraw it.
It continually presents better features
When you accept credit card payments, you would find it good to know that along with the costs, better security and other processing features are constantly improved and introduced to make credit card processing safer and more efficient for you and your customers. Heavy competition in the industry plays a great role in effecting this benefit with the effort of the processing companies to making them more attractive to retailers like you. These companies also try to make their fees more competitive. In other words, such competition lets you take advantage of the many benefits that go with accepting credit cards in your store. The strict policies that govern processors are also important to protect your interests as well as the interest of the consumers.
It helps you save on some costs
Just when you think you incur more costs when accepting credit cards, there are other expenses you can actually minimize. You do not have to spend for managing receivables as well as sending bills to some clients. There are also other value-added products and services that credit card processors offer, which help you save on expenses, such as integrated payment gateway and integrated shopping carts for your online store.
It promotes positive image of your business
Accepting credit cards increases your credibility. Customers who learn that you accept credit cards think that you conform with the latest trend in business as well as in technology. That is a great plus for them. Furthermore, according to some surveys, credit card logos that are posted on your stores also create some sort of confidence in consumers' mind as you are affiliated with the legitimate and trusted credit card networks.
It ensures full support from your provider
Even if you're not a tech person, you will not find it hard to set up a terminal to accept credit card payments, nor will you have difficulty getting through the whole credit card process. Credit card processors and merchant account providers guide you with the whole process and provide you with 24/7 customer service support for all your needs, from basic inquiries to technical suppport.
In order to fully benefit from all these advantages of accepting credit card payments for your online or retail store, you have to make sure that you deal with the right parties. Look for a reliable and credible merchant account provider and credit card processor who can provide you with the service you want, who charge you with reasonable fees, and provide you with great customer service. Then, as long as you put your heart into your business, provide your customers with quality products and services, and keep up with the latest trend in the industry, you are sure to have a very promising business ahead of you.
3 Superb Features of Merchant Account to Make Your Business Grow
A merchant account allows any business to accept credit cards or debit cards as modes of payment. This type of bank account provides convenience to both the sellers and the consumers, increases sales, keeps you on track on all of your transactions, increases customers, and pays you almost instantly.
Business owners will have to join any marketing strategy to keep up with their competitors if they want their business to survive. One sure way to do this is by establishing merchant accounts. This is a type of bank account that will provide a more flexible way for customers to pay and that is by accepting credit or debit cards. You can avail this at your local banks or from any online merchant account providers.
Acquiring a merchant account will also give tons of benefits to your business and they are stated below:
Provides convenience to both the seller and consumer
Customers greatly prefer to carry their cards than take the risk of bringing along cash wherever they go while visiting stores. This greatly lessens any chances of theft. Sellers are also saved from the hassle of dealing with manual transactions and reports, and from taking money in and out of the bank.
Increases sales
Consumers will be more allured to buy your products because with just a swipe, they can purchase anything they want no matter how expensive they are. Credit cards give your customers little time to think. This is because, whether they have enough amounts in their pockets, they can use their credit cards on either choice. Most shopaholics would usually give in to the desire and need of that certain product and worry for the pay check later.
Keeps you on track on all of your transactions
With a merchant account, you can now easily follow the flow of all your business transactions. No don’t have to stock tons of paperwork and receipts because with a simple account statement, everything will be in place only for you to check.
Increases customers
With a merchant account, you’ll be able to attract more customers especially now that you have given them an easier method to pay. You will also have the chance to gain international customers as you venture into online selling.
Pays you almost instantly
With checks or C.O.D's, it will take weeks to get paid. But when you start accepting credit card payments, after orders are processed, your account will filled with the payments you earned in just a day or two.
To maintain the contentment of one’s consumers and the improvement in sales and proceeds, it is highly advised that a business avails the credit card purchasing system. Lesser customers prefer cash over credit cards, and checks are not a stable and not a reliable method. These may lose you the chance of earning. Without a doubt, and for you and your customers’ advantage, avail the merchant account now.
Business owners will have to join any marketing strategy to keep up with their competitors if they want their business to survive. One sure way to do this is by establishing merchant accounts. This is a type of bank account that will provide a more flexible way for customers to pay and that is by accepting credit or debit cards. You can avail this at your local banks or from any online merchant account providers.
Acquiring a merchant account will also give tons of benefits to your business and they are stated below:
Provides convenience to both the seller and consumer
Customers greatly prefer to carry their cards than take the risk of bringing along cash wherever they go while visiting stores. This greatly lessens any chances of theft. Sellers are also saved from the hassle of dealing with manual transactions and reports, and from taking money in and out of the bank.
Increases sales
Consumers will be more allured to buy your products because with just a swipe, they can purchase anything they want no matter how expensive they are. Credit cards give your customers little time to think. This is because, whether they have enough amounts in their pockets, they can use their credit cards on either choice. Most shopaholics would usually give in to the desire and need of that certain product and worry for the pay check later.
Keeps you on track on all of your transactions
With a merchant account, you can now easily follow the flow of all your business transactions. No don’t have to stock tons of paperwork and receipts because with a simple account statement, everything will be in place only for you to check.
Increases customers
With a merchant account, you’ll be able to attract more customers especially now that you have given them an easier method to pay. You will also have the chance to gain international customers as you venture into online selling.
Pays you almost instantly
With checks or C.O.D's, it will take weeks to get paid. But when you start accepting credit card payments, after orders are processed, your account will filled with the payments you earned in just a day or two.
To maintain the contentment of one’s consumers and the improvement in sales and proceeds, it is highly advised that a business avails the credit card purchasing system. Lesser customers prefer cash over credit cards, and checks are not a stable and not a reliable method. These may lose you the chance of earning. Without a doubt, and for you and your customers’ advantage, avail the merchant account now.
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Bob Chapman This Healthcare Bill is Unconstitutional
Bob Chapman on the Sovereign Economist 17 March 2010
Bob Chapman This Healthcare Bill is Unconstitutional it is as bad as it can get they do not have the votes and I do not think it is going to pass says Bob Chapman , with 75% of the population that do not want it if they force it upon us there will be riots in the streets ...they have been paid by the insurance companies the ones that are really benefiting from this bill, and the hospital corporations and more than anybody else the pharmaceutical companies...
Bob Chapman : Get your cash out of the Banks and The Stock Market - we will have Bank Holiday and the Stock market will crash by the end of this year
Mr. Chapman also known as The International Forecaster is a 74 years old. He was born in Boston, MA and attended Northeastern University majoring in business management. He spent three years in the U. S. Army Counterintelligence, mostly in Europe. He speaks German and French and is conversant in Spanish. He lived in Europe for six years, off and on, three years in Africa, a year in Canada and a year in the Bahamas.
Mr. Chapman became a stockbroker in 1960 and retired in 1988. For 18 of those years he owned his own brokerage firm. He was probably the largest gold and silver stockbroker in the world during that period. When he retired he had over 6,000 clients.
Starting in 1967 Mr. Chapman began writing articles on business, finance, economics and politics having been printed and reprinted over the years in over 200 publications. He owned and wrote the Gary Allen Report, which had 30,000 subscribers. He currently is owner and editor of The International Forecaster, a compendium of information on business, finance, economics and social and political issues worldwide, which reaches 10,000 investors and brokers monthly directly, and parts of his publication are picked up by 60 different websites weekly exposing his ideas to over 10 million investors a week.
In June of 1991, at the request of business associates, and due to retirement boredom, he began writing the International Forecaster.
Bob Chapman : do not expect the government to guarantee your bank account , it is bankrupt
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