Merchant Account Fees (part 2 of 2)

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• Monthly Minimum Fee is based on the merchant transaction and discount rate fees from the card sales every month. This is not an extra fee but a minimum amount that the processor or merchant account provider needs to have in fees.

• Surcharge fee can be under a different name like partially-qualified fees or non-qualified fees. These fees are additional discount rates that some cards are charged and may apply only on certain card types.

• Application or set up fee is only charged one-time. This is only charged when the account is setup. There are some merchant service providers who do not charge this fee anymore.

• Programming/Reprogramming fees apply to retail merchants who have changed from one provider to another. For reprogramming, it is applied whenever there is a need to reprogram a piece of existing equipment software.

• Annual fee are sometimes charged by the providers.

• Chargebacks and retrieval fees are related to customer or issuing bank disputing a transaction that was processed. A large number of chargebacks can cause your merchant account to be dropped totally and leave you in a bind when trying to get another merchant account for your business. As a merchant, it is important that a merchant take the necessary steps to reduce and potentially eliminate the instances of chargebacks.

• Cancellation fee is significant cost in setting up and maintaining a merchant account for a business and this fee helps recoup some of those losses should a merchant cancel, especially in the beginning.

• There are hidden or junk fees that merchants are not aware of. Some of the hidden fee is for a merchant account provider to offer a teaser rate that is extremely low, but the teaser rate is just temporary and goes up after a few moths while the application is still in process.

Knowing and understanding the merchant account rates and fees will enable the merchant to identify the best service or account provider.  It is also important to know the different fees, so that you know where you’re hard earned money go to.

Merchant Account Fees (part 1 of 2)

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Whenever a merchant or a business owner is choosing a merchant account provider, looking at and trying to understand the numerous fees is always confusing. Let us try to look and try differentiate these dizzying fees.

• Discount rate makes up the majority of the costs when getting and paying for merchant account service. This is a fixed percentage amount that is deducted from the purchase cost or charged on every transaction. It usually range from 1.49 to 4 percent for every transaction.

• Transaction fees are charged by the processor to process each transaction. It is charged on every transaction, regardless of whether or not the transaction is approved or declined. It’s amount range from 20 to 30 cents.

• PIN Debit transaction fees are only applicable if cards will be swiped and only applies to debit cards. This is a fixed transaction fee and is usually around 70 cents.

• Address Verification Service Transaction Fee (AVS) applies only to merchants who are not swiping cards.  AVS provides address and zip code lookup on the cardholder and reduces the possibility of fraud.

• Daily Batch Fee is charged by some processors when merchants settle daily batch and transfer the settled fund into the merchant’s account. No transactions, no charged.

• Monthly statement fee is charged at the end of each month. It is a fixed fee, regardless of the number of transactions made in a particular month.

• The Internet Gateway Fee only applies if you are using an Internet Payment Gateway. The gateway fee is a monthly fee assessed by the gateway provider and is usually billed directly by the provider.

• Voice authorization fee is only charged when you call in your transaction an 800 number. It is used if the terminal or software the merchant using is not working and the merchant need to perform an authorization.

Knitting Patterns For Beginners (part 2 of 2)

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By using knitting patterns for beginners, you can make simple party wraps, which add a touch of elegance to your party wear. These wraps are easy to make, as the only skill required apart from knitting and purling is the basic increasing and decreasing. You can also use the stockinet stitch to combine simplicity and fashion. The fuzzy yarn and the floppy style hides any mistake made during knitting, hence this pattern is best suited for all the beginners attempting knitting.

Once you get a nag of knitting, you will look forward to try out other knitting patterns for beginners, to prepare wash cloths and dish cloths. To prepare a hassle free, quick wash cloth you can use the broken rib stitch. This gives a great effect to your normal wash cloth. And you get a lot of practice by knitting such items. In method you have to cast on 61 stitches and use the knit and the purl stitch to complete your wash cloth. This method consists of repeating the two stitches alternately.

To produce a soft wash cloth use 100 percent cotton yarn and a pair of size 7 US needles. This pattern is suitable for beginner as it is quick and easy. After practice you can easily create variations in your object, to create different effects.

The knitting patterns for beginners, encourages the young knitters to try out different stitches to produce beautiful knitted articles. As these patterns are easy and quick, your knitting experience will be hassle free.

These patterns make knitting a quick and trouble-free process.

Knitting Patterns For Beginners (part 1 of 2)

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Knitting has become a rage amongst the young and the old throughout the world. This recreational activity not only releases your stress but lets your creativity flow. People, who are new to the world of knitting, can try knitting patterns for beginners. These patterns are easy, and entertaining, by practicing these basic patterns you will get a knack for knitting, which will help you churn out beautiful knitted products.

When it comes to knitting patterns for beginners, you have to learn the knit stitch. This is the basis of all knitting stitches. After you learn this stitch you can create basic things like wash cloths, scarves, and basic Afghans. The art of casting on and knitting are the two fundamental things necessary for the knit stitch.

Once you are acquainted with the number of cast on stitches for a project you can easily create fun objects like garter stitch scarves. This is one of the easiest knitting patterns for beginners as all you have to do is cast on, make a knit stitch and bind off. This pattern comes in handy when you have to create some last minute presents. You are required to use a size 13 straight needle, crochet hook and 100 yards of super bulky yarn.

To churn out a warm lap afghan during winters, you can use the moss stitch. This is a simple stitch, with four repeating rows. All you have to do is cast on 144 stitches, by using your method. Then work is repeating four rows, using the knit stitch and the purl stitch.

This is an easy pattern as all you have to do is knit one and purl across in the first two rows and purl one and knit across in the preceding two rows. This sequence is to be repeated to produce a long but narrow afghan. To help distribute the weight, a size 10 circular needle is used. Once you get familiar with the method you can easily produce beautiful Afghans using the knitting patterns for beginners.

Landscape Architects in Los Angeles (part 2 of 2)

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There are special firms that deal with landscape architect Los Angeles who offer tree services. Their expertise in tree services helps you in clean up jobs. They generally use modern equipments and radio dispatched trucks in tree removal process. They provide tree maintenance services for both residential and commercial customers. They offer restoration services by pruning to remove the dead, diseased or broken limbs of the trees and also help in insect identification and eradication.

Most of the landscape architects in Los Angeles are willing to offer environmentally friendly landscape designs. They also offer low maintenance landscape designs for those who maintain a wonderful landscape with zero or less maintenance work. Outdoor lighting is becoming more important nowadays for safety as well as appealing look to the property. Hence landscape architect firms also focus their attempts in outdoor lighting systems.

Los Angeles landscape architects grant innovative plans and designs that are technically feasible in order to provide aesthetic appearance and functionality without disturbing the natural resources. They also help in selecting plant types that are suitable for the soil, terrain and region. They specify which irrigation system is suitable for your area. They also help in installation of such irrigation system.

Therefore they help the clients to use water promptly and to accomplish their tasks. Since they are experts in designing draught tolerant landscape design, they help in building environmentally sustainable projects.

Landscape Architects in Los Angeles (part 1 of 2)

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Provide services in various work settings like residential and commercial areas, Courtyard, Custom garden, conceptual design of garden structures like garden benches, gazebos, conceptual design of spa and pool, patio. Deck and so on. They also offer outstanding services in irrigation plan, fountain plan, landscape lighting and so on.

Landscape architect Los Angeles offer numerous landscape designs and plans in order to create an aesthetic architecture and natural settings. The Park Slope design in Los Angeles, California is one of the outstanding projects of Landscape architects in Los Angeles. Joan Grabel is one among them who is basically a painter. Her passion for color and form provides excellent look to the design. She unites both functionality and beauty in her landscape design.

Landscape architect Los Angeles firms offer professional and skilled employees to meet all your landscape needs. They provide quality customer service within the specified time. Some firms are specialists in gutter cleaning, power raking and bush hogging, field mowing and so on. They provide draught tolerant landscape design. They use Computer aided graphic design for providing innovative plans and designs to clients.

There are number of professional landscape architects in Los Angeles who would offer you services in lawn care and maintenance. They help in estate management through their environmentally friendly designs and plans. You can seek their help for fence designing, lawn sanding, and non toxic lawn care and so on. They also offer services in mulching, tree removal, leaf removal, flower bed work, fertilization, pruning, spraying, seeding and landscape renovation works. They also help in sprinkler installation and tree trimming, pond installation etc.

Living Wills: Your Right, Your Choice (part 2 of 2)

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A completed and duly signed living will should be kept in a safe location where you and your immediate family can easily get hold of it. Therefore, storing this legal document in a secured deposit box is never a good idea.

You should also inform your lawyer – if you have one, as well as your next of kin, about the existence and whereabouts of your living will. In addition, your attending physician and health care provider should be notified and instructed in making the document a part of your permanent hospital records.

Living Will Vs. Power of Attorney

A living will is activated only when death is imminent or when a patient falls in a persistent vegetative condition and has lost all faculties of communication. It only handles the application or removal of life-support measures.

On the other hand, a durable power of attorney works in a different way. It basically goes into effect when a patient becomes incapacitated to make autonomous health care determinations. However, he or she does not have to be in a vegetative state or in a near-death condition.

The power of attorney also allows a surrogate to speak in behalf of the patient and to make the necessary health care decisions. But unlike a living will, the determinations are not restricted to life-prolonging treatments. The type and extent of decisions a surrogate can make essentially depends on your preferences.

It is not compulsory to have both a power of attorney and a living will. However, if you do decide to have both, you should make sure that they don’t clash. On top of that, you should view living wills as a right and not as a privilege given only to special people.

Living Wills: Your Right, Your Choice (part 1 of 2)

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Every person has the right to self-determination especially on the subject of health care. This right encompasses the decision to refuse or accept a particular type of treatment, may it be as simple as an oral medication or as complicated as a surgical procedure.

An individual who is of sound mind and above 18 years of age is also entitled to plan and give directions concerning future medical care in the event of a serious infirmity or vegetative state. He or she may convey certain wishes through living wills.

A living will is a legal file that informs your immediate family and your doctors concerning your preferences about life-support measures. These specialized group of medical treatments could include artificial respirators and tube feeding – all of which aim to prolong life with no definite hope of reinstating quality. The high-tech machines and gadgets may target and support specific organs in the body such as the lungs, kidneys, or the heart.

Normally, the orders stated in a living will becomes effective as soon as two qualified doctors – one of whom should be the attending physician – both concur in writing that the patient is either in a permanent/irreversible vegetative condition or close to death. Needless to say, it should be established that he or she is definitely incapable of expressing health care decisions.

In case you have a change of heart after completing a previous living will, you may effect the desired alterations in the legal document at any time. You may even call the whole thing off if you feel compelled to do so. Then again, you must follow certain procedures for the cancellation of a living will. State laws, with regard to living wills and advance directives, typically regulate this lawful action.

The process of magazine publishing (part 2 of 2)

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First is the need for solicited material, which forms part of the actual concept and framework of a magazine publication.

Next and among the most common practice in acquiring material is that writers often submit a proposal, for which the majority of unsolicited submissions come from previously unpublished authors.

These unsolicited manuscripts through what is called a slush pile , where editors which sift through the material to identify manuscripts of sufficient quality or revenue potential. Established and reputable writers are oftentimes represented by a literary agent, who markets their work to publishers and negotiate contracts for their writing materials.

Upon acceptance and endorsement for publication, commissioning editors negotiate the purchase of intellectual property rights and agree on royalty rates for book publications, and copyright license or permission for magazine publications, depending on the material for publication.

This is followed by the editorial process, that takes place once the immediate commercial decisions are taken and the technical legal issues resolved, book authors may be asked to improve the quality of the work through rewriting or smaller changes, after which the editorial staff will edit the work, the process which could also apply to syndicated materials either with a single article or a series.

Magazine publishers usually adopt a house style, oftentimes a format which makes it unique for a specific publishing company, be it a writing style or a lay-out design and the editorial staff will copy edit to ensure that the work matches the style and grammatical requirements of each market.

Material editing may also involve structural changes and requests for more information.

The last in the process of magazine publishing is marketing and distribution, that releases the product to the main market, thus, giving us our adored and subscribed magazine publishing.

The process of magazine publishing (part 1 of 2)

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The process of magazine publishing involves a diverse variety of the production and dissemination of literature and information.

Magazine publication in all of its many forms, is geared primarily on making information available to the public, regardless of how it is being presented, whether in print or electronic media.

Magazine publishing traces it roots back to the ancient days when paper was first invented and was discovered to be a good form of communication media.

From the simple ink and paper process to the trendiest and most colorful pages of today, magazine publishing has indeed taken a new turn for the better.

Commonly, the publishing process includes the stages of the development, acquisition, copyediting, graphic design, production – printing and its electronic equivalents, marketing and distribution.

However, magazine publishing is not just limited to concept and printing, but it also involves a tedious process before it even reaches the newsstands.

Editorial, commercial, informational and entertainment content are among the most commonly used content for many and most magazine publications, that involves a multi-faceted skill set that not lonely involves warm bodies, but costs money as well.

For the publication business, cost is relative- the better the talent, the pricier it gets. This is also reflective in the commercial aspect of distribution and marketing- the better the quality, the more it costs money to pay for the product.

Another factor for consideration is that book and magazine publishers spend a great deal of time and money buying and commissioning copy, which for many publishers would add more weight, quality and repute to their products.

For a small publishing company or press, it is possible to rely mainly on commissioned material, but as activity and business increases, the need for more works like subscribing to syndicated materials or outsourced printing manuscripts may overwhelm the publisher's commissioned circle of writers.

iPhone Applications That You Would Really Want in Your iPhone (part 2 of 2)

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WeatherBug is another iPhone application that is generally for anyone who is always on the go. It will be able to give you the current weather in the state you are currently in or even the whole country. Also, it can provide a map that shows the storm track. It will also enable you to access weather cameras as well as satellite maps.

Other iPhone applications even make use of the GPS capabilities of your iPhone. For example, some applications will be able to find the closest restaurant from your current location. One application is called the iWant. This application will enable you to find whatever you want to spend your money on whether it is for food, lodging, gas, banks, and even coffee. Whatever you want to spend money on, the iWant application will be able to find it for you.

Some applications are games that you can install in your iPhone. With this, you can be sure that you will never get bored while you are traveling again. There are hundreds or even thousands of games that you can download in to your iPhone. So, you will never run out of options. From simple Sudoku puzzles to popular arcade games to card games and a lot more, you can be sure that you will find the game that you will truly enjoy.

These are just examples of the thousands of applications that you can download and use with your iPhone. In fact, some applications are even tailored to some people's needs. For example, there are iPhone applications that are specially designed for divers to computer their dive table.

Whatever you want, you can be sure that you will find the right applications that you need in your iPhone.

iPhone Applications That You Would Really Want in Your iPhone (part 1 of 2)

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The iPhone is a device not just for the geeks to enjoy but it is a device for everyone. The iPhone is one versatile device where you can personalize it according to your preferences and install a lot of cool features that you would really want to have while you are on the go.

Music and movie playing capabilities as well as the touch screen capabilities are just the tip of the iceberg. The iPhone has a lot of cool applications that you will be able to download from the internet.

Once you purchased an iPhone, you have the option to personalize it according to what you want. With thousands of different applications that you can download to your iPhone, you can be sure that you will definitely make your iPhone a unique iPhone.

Today, almost everyone has an account in some of the most popular social networking websites. For some people, these social networking websites are now considered to be the primary means to communicate with family and friends. If you are one of these people, then you may want to download a special application for iPhone that will enable you to visit your account in either Facebook or MySpace. With this application, you will be able to check your social networking account in Facebook or MySpace anytime and anywhere you want.

Another great iPhone application is called Showtime. This particular application is for movie lovers that want to research upcoming movies in the nearest theaters. This particular application will be able to find movie theaters nearest to you and will display the movies being shown in that movie theater. It also provides the movie ratings from the critics as well as a background of the story in the movie.

How Can You Measure A Brand? (part 2 of 2)

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Perceived Quality

Based on the level of satisfaction and benefits derived from the use of the product, consumers will have their varying perceptions when it comes to the quality of a given product. But even this one entails several variables such as consistency of delivering quality products or its performance in comparison to competition.

Perceived Value

There are two ways to look into this one: in terms of money and benefits. However, these two are interlaced. Meaning, consumers determine the value of a product for its money based on whether it delivers the kind of benefits that the product promised and the consumers expect from it.

Organization's Reputation

Even though it is not directly concerned with the product that a customer is in the process of buying, the reputation of the company behind the product impacts their buying choices. Is it a credible organization? Is it something that I can trust? Building that reputation comes in part of a business' effort to build a strong brand.

Awareness

To achieve this, most businesses often work on establishing brand recognition. Brand recall oftentimes lead to purchases since most buyers opt to buy something that is familiar to them, as opposed to an unknown product or brand. You need to work on protecting your brand though as a few mistake can destroy the brand that you have built.

Establishing a value for your brand proves to be difficult and a lot of hard work. And yet, money is only a meager factor in the entire formula. Only when a brand has established itself well enough such that consumers are willing to pay for it, regardless of the price, does it achieve its true value as a brand.

How Can You Measure A Brand? (part 1 of 2)

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Measuring a Brand

Every business involves its own share of tangible and intangible assets, but brand is one of the most basic areas that business owners focus on. In a recent marketing research, it was revealed that brand equity played a vital role in determining its market value. Therefore, measuring a brand is one of the first steps undertaken by the head of the company if they wish to incur higher revenues.

How To Measure?

There are several elements involved in trying to measure a brand and its market value. All these factors intersect with one another such that they impact one another in evaluating the importance of a given brand and its value in the market. There are several variables involved such as whether you are weighing more importance on pricing or is more interested in enlarging your share of the market. That is something that you need to figure out amongst your organization first. Then, you can take into account the following brand value measures to reach your desired goals.

Price Premium

You need to evaluate your own brand and put yourself in the mindset of the consumers. How much are you willing to pay for that brand? Most recognized brands typically place higher premiums on their product as compared to other similar products from unknown brands. There are several marketing aspects to consider here but you can establish your brand by trying to lower your price to get a bigger share of the market. You have to conduct a thorough market research though before you come up with any decisions, so you have a basis for your evaluation.

Customer Satisfaction

To come up with a tangible data about this, you might have to conduct a survey. This will enable you to track down goods or services that appeal most to consumers. You can also take note whether there are any repeat purchases. This will enable you to effectively measure your brand's value in the market.

Dressmaking For Children (part 2 of 2)

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Dressmaking for children can be fun as well as economical. You do not have to be an expert to make a satisfactory child's garment. After all, any sewing "mistakes" you make will not be around very long, since children outgrow their clothes so quickly. If you are a beginner, choose simple patterns. Save the harder ones for later.

Once you have all the tools that you need, consider the type of fabrics, designs, patterns, and colors that you will use for the child. In choosing fabrics, make sure that they are strong and flexible enough to endure everyday use. Opt for cotton fabrics or cotton variations with polyester because they are soft, comfortable, and easy to work on.

When it comes to patterns, always base them on the child's body measurements so you can make the necessary adjustments. Also, opt for printed designs and bright colors to stimulate your child's enthusiasm and cheerfulness. For boys, colors such as red, blue, green, and brown are recommended. For girls, soft and bright colors such as yellow, pink, orange, and violet are ideal.

To ensure that children will really like the clothes you will do for them, get their suggestions and approval before finally proceeding to the sewing proper. You can spend some time asking them what color they would want, the design they prefer as well as the characters they might want to add.

If you have spare time, you can ask them to do simple sketches of the clothes that they want and make a pattern out of these sketches. Aside from enhancing their creativity, you are also encouraging the child to gain independence as well as teaching him or her to make decisions on his or her own.

Dressmaking For Children (part 1 of 2)

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For parents, dressmaking can be a wonderful stress buster and a rewarding experience especially if they get to sew the clothes of their own children. Aside from the fulfilling experience that you are doing for somebody you love, dressmaking for children can also help you save some money because you don’t have to buy ready-to-wear garments that cost a lot.

Aside from being an economical activity, dressmaking for kids can also help you to be more creative and resourceful because the craft itself would encourage you to come up with designs without having to spend so much money.

Dressmaking for children does not really require outstanding needlework skills. All you have to do is to learn the basics of sewing and come up with your own style, designs, and ideas. You also need to be creative and patient when doing this because you will have to consider a lot when it comes to kids' clothing.

Getting started

If you are planning to sew the clothes of your kids, the major consideration that you have to pay attention to is the time. If you were a full time mother or father, then time would not be a problem for you. But for working parents, this activity would require outstanding time management skills to finish a certain sewing project.

Once you have fixed your schedule, another consideration would be the acquisition of sewing tools. Since you will be sewing just for your kids, basic sewing tools such as sewing machine, needles, threads, serger, and shears are needed. If you are planning to sew an entire wardrobe for your kids, make sure that you invest in good sewing tools because they will make the work easier and hassle-free for you.

Flirting Body Languages In Men And Women (part 2 of 2)

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Women's Flirting Signals

Research shows that women gives body language messages five to six times more than men. They can give many signs that she is flirting with you and they are easy to spot. The most common action is preening. A woman would tend to play, stroke or comb her hair and sometimes toss it over her shoulder. A strong flirting preening action is when a woman would involve her lips. Licking the lips, eating slowly, drinking with poise while having eye contact, and putting on lipstick can easily seduce a man.

Slowly crossing or stroking the legs is also a clear intentional flirting action by women. She would also tend too adjust her clothes to expose more skin. Playing with an object, like a glass, is a sign that she likes you. But make sure she is looking at you while doing it, otherwise it would mean that she is not interested.

“Yes, I like You”

The general signs saying that he or she is indeed interested with you include smiling, longer eye contact, preening, licking the lips, raising the eyebrows, playing with the hair, looking away and then back again, leaning towards you, head slightly tilted, mirroring your actions, good posture, frequent nodding, laughing, and many more. If you spot these signs, then it would be a great time to move a step further.

“No, I'm Really Not Interested”

How would you know if that quick glance did not mean anything and a connection is not happening? Watch out for these body language signals: looking away and not looking back, looking at other people, slouching, sighing loudly, passive expression, playing an object with her fingers without looking at you while you talk, dull eyes, crossing the arms, and the like.

Body language is truly a strong reinforcement of messages especially during flirting, seduction, and dating. Each one may have different ways to express their desires, but most of these actions have general meanings that are easy to decipher and learn.

Flirting Body Languages In Men And Women (part 1 of 2)

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The flirting body language is complicated to understand and oftentimes misinterpreted. Men gives signs of flirtation in different ways compared to women. So how can you tell if someone is already flirting with you? Does she like me? Is he interested in me? This article discusses facts and tips on determining flirting signals.

Men's Flirting Signals

There are five standard body signals that a man is flirting: eye contact, raising the eyebrows, giving the masculine impression, touching self, and leaning towards you.

The first sign of attraction a man would give you is catching your eye. But if he passes on to another person and doesn't look back at you, it means that he is not interested. However, if he glimpses at you, looks away, and then back at you again, it is a very clear indication that he is attracted to you. Sometimes, eye contact would not mean anything. But if it lasts longer, it means something indeed is running in his mind and you are involved. The second signal, raising the eyebrow is not a very strong indication and is most of the time done unconsciously. It often means that he finds you interesting or sexy.

The third flirting sign is that men would square his shoulders and try to stand tall and straight. When sitting, his feet and legs will be apart. A man would also tend to hook his thumbs over his belt. These actions would show and emphasize his masculinity, with hopes that he would acquire that admiration from you.

Lastly, a man attracted to you would try to get closer to you or lean his body towards you. This act can be done intentionally or unconsciously.