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    What Are The Many Credit Card Processings Fees Associated With Setting Up A Merchant Account?
    These are some of the fees that a merchant will pay when they process credit cards through a typical merchant accunt…Address Verification Fee The fee charged to the merchant to perform address verification. This usually happens when a merchant has to key in a transaction if the mag stripe does not work.Chargeback Fee This is the fee charged by a bank when a chargeback is issued to a merchant. This varies from $15.00 – 30.00 per transaction. (Plus the actual amount of the chargeback sale)Check Guarantee Fees Check Guarantee fees are basically structured similar to credit card processing fees. There is usually a percentage rate, transaction fee, statement fee, monthly minimum, and application fee.Check Verification Fees Check verification does not guarantee checks. Check verification checks whether the check writer has a history of writing bad checks. There is usually not a percentage fee associated with check verificationDebit Fees Debit fees vary based on the debit ne
    Share your toys.

    Don’t be the kid who hoards the toys. Share them. Teach. Make somebody smile today.

    15. Paint once a week. (Finger painting is OK) I know, this one is close to doodling but I am adding more color. Color creates heat in the mind. That’s good.

    16. Load and go. (But carry a pad & pen!) Trying to solve a big problem? Load all of the facts into your head. Pick up a pad and a pen that works. Go outside. Get ready for a print out. It’s coming.

    17. Keep a positive journal. People who journal tend to write negative things. Journal about positive things. In fact, close your entry with a section called “Gratefuls.” List some sim

    Making the Merger a Success
    I was reading an article on Seeds of Growth on how individuals impact the branding and goodwill of an organisation. I found it quite easy to parallel to what they were saying about Corporate Branding and what I call Company Culture.See I'm a consultant that helps companies with divestments, carve-outs, post mergers, or post acquisitions. After the deal is done, I'm usually appointed to guide the organisations through all that is involved in the merger, and make sure they derive the value from the deal. Sometimes this gets lost in transition - people tend to focus on what's easy or important to them.The Seeds of Growth article was saying that there are two kinds of brands, an employer brand that "defines clearly defined it will enable us to attract and retain the talent we need in today?s increasingly competitive market place to deliver our strategy and goals." The second is a personal brand - this is what makes us different, the way we think and the way we act.See in a merger or acquisition, you want to appo
    Have you ever wondered why some people are so creative? Is it really a gift or can you learn how to be more creative? I believe you can and here are a few ways to “tune up” your senses and light a creative spark in your life.

    1. Listen.

    You have two ears and one mouth. Use in proportion.

    2. Touch. Pretend you are blind and learn about life in an entirely new way.

    3. See. You have the gift of sight. But most people seldom use it. Go for a walk and try to find 10 different and new things on a familiar street that you have never noticed before.

    4. Observe.

    There is a difference between a glance and an observation. Remember the phrase…doesn’t have a clue? Part of the solution is to really understand what you are seeing. Take time to observe things.

    5. Remember.

    Take notes. Take pictures. Create an idea “swipe file.”

    6. Put pad & pen everywhere. Your mind is like a computer with the “print” key selected. That means it could print out anything at any time. The only problem, you don’t get a hard copy. Have note pads everywhere. There is nothing worse than the gift of a good idea with no way to remember it.

    7. Take notes.

    Don’t rely on your memory to recall meetings. Take notes. Develop your own version of idea shorthand using underlines or a star. Write down questions you want answered. You'll be amazed what happens.

    8. Doodle.

    Doodling is a great way to free your mind. Just do it. Do it when you are on the phone. Do it when you are waiting at the airport. You will be amazed what “comes to mind.”

    9. Create and mental “in-basket”. You don’t have to do everything but it might be nice to investigate. If you see or hear about something that interests you. It will make you more curious.

    10. Chill twice a day.

    Take a break. Go for a walk. Find a coffee shop. Stop at a pet store. Stop at the children’s museum or zoo. Find smile places!

    11. Never nap negative.

    Naps are good but not when you are in a bad mood or have something negative on your mind. That will just ruin your chance to be more creative. Let stuff go first. Write what is bothering you on one of your note pads and ask yourself…will this be important in a year? Why are you surrendering to other people? Let them stew in their soup. Now go nap.

    12. Always have something to learn. Keep learning. It doesn’t matter what, just keep learning. Gardening. Karate. Painting. Photography. Send you mind to the gym!

    13. Play fair.

    Like to take advantage of other people? No wonder your life is a mess. Remember, what comes around goes around. It’s called Karma and good Karma shows.

    14. Share your toys.

    Don’t be the kid who hoards the toys. Share them. Teach. Make somebody smile today.

    15. Paint once a week. (Finger painting is OK) I know, this one is close to doodling but I am adding more color. Color creates heat in the mind. That’s good.

    16. Load and go. (But carry a pad & pen!) Trying to solve a big problem? Load all of the facts into your head. Pick up a pad and a pen that works. Go outside. Get ready for a print out. It’s coming.

    17. Keep a positive journal. People who journal tend to write negative things. Journal about positive things. In fact, close your entry with a section called “Gratefuls.” List some simp

    Business Lessons From History
    Harry Truman stated, "The only new thing in the world is the history that you don't know." Truman spent many years studying the history of those who preceded him. His study paid off. Truman today is regarded as one of America's greatest Presidents. The reason history is important is because we live in a cause-and-effect universe. Similar choices produce similar results at the individual (micro) level and at the national (macro) level. History is the story of choices made, and the results of those choices. LESSON ONE:  Look For What Worked And What Didn't Work, And Why You can use history like a case study in business school. Example: Mark Twain became a partner in a publishing company, Webster & Co., which published the " Personal Memoirs of U. S. Grant." Twain also obtained the rights to Pope Leo III's authorized biography. The first book became a best seller. The second sold poorly. Both publications seemed like good ideas. Twain assumed that purchasing the Pope's bi
    emember the phrase…doesn’t have a clue? Part of the solution is to really understand what you are seeing. Take time to observe things.

    5. Remember.

    Take notes. Take pictures. Create an idea “swipe file.”

    6. Put pad & pen everywhere. Your mind is like a computer with the “print” key selected. That means it could print out anything at any time. The only problem, you don’t get a hard copy. Have note pads everywhere. There is nothing worse than the gift of a good idea with no way to remember it.

    7. Take notes.

    Don’t rely on your memory to recall meetings. Take notes. Develop your own version of idea shorthand using underlines or a star. Write down questions you want answered. You'll be amazed what happens.

    8. Doodle.

    Doodling is a great way to free your mind. Just do it. Do it when you are on the phone. Do it when you are waiting at the airport. You will be amazed what “comes to mind.”

    9. Create and mental “in-basket”. You don’t have to do everything but it might be nice to investigate. If you see or hear about something that interests you. It will make you more curious.

    10. Chill twice a day.

    Take a break. Go for a walk. Find a coffee shop. Stop at a pet store. Stop at the children’s museum or zoo. Find smile places!

    11. Never nap negative.

    Naps are good but not when you are in a bad mood or have something negative on your mind. That will just ruin your chance to be more creative. Let stuff go first. Write what is bothering you on one of your note pads and ask yourself…will this be important in a year? Why are you surrendering to other people? Let them stew in their soup. Now go nap.

    12. Always have something to learn. Keep learning. It doesn’t matter what, just keep learning. Gardening. Karate. Painting. Photography. Send you mind to the gym!

    13. Play fair.

    Like to take advantage of other people? No wonder your life is a mess. Remember, what comes around goes around. It’s called Karma and good Karma shows.

    14. Share your toys.

    Don’t be the kid who hoards the toys. Share them. Teach. Make somebody smile today.

    15. Paint once a week. (Finger painting is OK) I know, this one is close to doodling but I am adding more color. Color creates heat in the mind. That’s good.

    16. Load and go. (But carry a pad & pen!) Trying to solve a big problem? Load all of the facts into your head. Pick up a pad and a pen that works. Go outside. Get ready for a print out. It’s coming.

    17. Keep a positive journal. People who journal tend to write negative things. Journal about positive things. In fact, close your entry with a section called “Gratefuls.” List some sim

    Size Does Matter, When It Comes To Shipping
    How much does it cost you to ship the empty space in your boxes? Do you know the difference between dimensional weight and oversize fees that FedEx, UPS and DHL charge their customers? At what point is it less expensive to use a freight carrier instead of FedEx, UPS or DHL? Most importantly, do you know how to save money on your shipping expense by making good packaging decisions? The answers to these questions and more make up the body of this article.Oversize charges only apply to ground shipments and dimensional weight adjustments only apply to air shipments. Let’s say you are shipping a 20 pound, 30 x 30 x 30 inch box from New Orleans to Los Angeles via UPS ground. Your cost would be $114.75. If the same box weighed 90 pounds your cost would still be $114.75. If you shipped two 10 pound boxes each 15 x 15 x 15 inches via UPS ground your cost would be $46.34. Shipping the two smaller boxes instead of one large box would save you $68.41.Use this formula to calculate ground oversize charges:Length
    questions you want answered. You'll be amazed what happens.

    8. Doodle.

    Doodling is a great way to free your mind. Just do it. Do it when you are on the phone. Do it when you are waiting at the airport. You will be amazed what “comes to mind.”

    9. Create and mental “in-basket”. You don’t have to do everything but it might be nice to investigate. If you see or hear about something that interests you. It will make you more curious.

    10. Chill twice a day.

    Take a break. Go for a walk. Find a coffee shop. Stop at a pet store. Stop at the children’s museum or zoo. Find smile places!

    11. Never nap negative.

    Naps are good but not when you are in a bad mood or have something negative on your mind. That will just ruin your chance to be more creative. Let stuff go first. Write what is bothering you on one of your note pads and ask yourself…will this be important in a year? Why are you surrendering to other people? Let them stew in their soup. Now go nap.

    12. Always have something to learn. Keep learning. It doesn’t matter what, just keep learning. Gardening. Karate. Painting. Photography. Send you mind to the gym!

    13. Play fair.

    Like to take advantage of other people? No wonder your life is a mess. Remember, what comes around goes around. It’s called Karma and good Karma shows.

    14. Share your toys.

    Don’t be the kid who hoards the toys. Share them. Teach. Make somebody smile today.

    15. Paint once a week. (Finger painting is OK) I know, this one is close to doodling but I am adding more color. Color creates heat in the mind. That’s good.

    16. Load and go. (But carry a pad & pen!) Trying to solve a big problem? Load all of the facts into your head. Pick up a pad and a pen that works. Go outside. Get ready for a print out. It’s coming.

    17. Keep a positive journal. People who journal tend to write negative things. Journal about positive things. In fact, close your entry with a section called “Gratefuls.” List some sim

    Securing Online Payments
    One has to make sure that his online payments are secured. He should follow a few steps in order to do that. He may start by creating his own website. If he does not possess the adequate web design skills, he may hire a professional web designer to create a custom website. He may also use an online site builder for this purpose. Unique templates and customized websites to specific needs are the benefits of hiring an adept web designer. Furthermore, A web development team can add flash headers or programming needed for the site, making it more lucrative. A custom designed site is a must if one’s company image is critical. On the contrary, an online site builder is a budget friendly approach which quickly gets the job done sacrificing the uniqueness. The second step involves setting up an e-commerce store. By having an e-commerce shopping cart, one can provide a way for his customers to bring their purchases to the cash register. The chosen program will allow him to enter his product in the database, allowing shoppers to pick prod
    t not when you are in a bad mood or have something negative on your mind. That will just ruin your chance to be more creative. Let stuff go first. Write what is bothering you on one of your note pads and ask yourself…will this be important in a year? Why are you surrendering to other people? Let them stew in their soup. Now go nap.

    12. Always have something to learn. Keep learning. It doesn’t matter what, just keep learning. Gardening. Karate. Painting. Photography. Send you mind to the gym!

    13. Play fair.

    Like to take advantage of other people? No wonder your life is a mess. Remember, what comes around goes around. It’s called Karma and good Karma shows.

    14. Share your toys.

    Don’t be the kid who hoards the toys. Share them. Teach. Make somebody smile today.

    15. Paint once a week. (Finger painting is OK) I know, this one is close to doodling but I am adding more color. Color creates heat in the mind. That’s good.

    16. Load and go. (But carry a pad & pen!) Trying to solve a big problem? Load all of the facts into your head. Pick up a pad and a pen that works. Go outside. Get ready for a print out. It’s coming.

    17. Keep a positive journal. People who journal tend to write negative things. Journal about positive things. In fact, close your entry with a section called “Gratefuls.” List some sim

    What NASA Can Teach You About Your Business Goals
    Despite the current issues challenging NASA, it’s financing and the future of the Space Shuttle Program, there is a key lesson you can learn from its past successes. This lesson is about setting a complete goal and including the wider implications for your business and your staff.During the space program in the 60’s and 70’s the over-riding focus for the flights to the moon and the other missions was not just getting the astronauts into space but also bringing them back safely. The Apollo Program was designed with the specific goal of landing humans on the moon and assuring their safe return back to Earth. The “safe return” part of this is often overlooked but this was actually a very key element in ensuring the high level of safety and testing. It also drove the NASA engineers to ensure that they had effective processes for identifying the causes of problems and finding solutions quickly, as was seen in the events of Apollo 13. Everything that was planned and implemented included the safe return element of the goal.
    Share your toys.

    Don’t be the kid who hoards the toys. Share them. Teach. Make somebody smile today.

    15. Paint once a week. (Finger painting is OK) I know, this one is close to doodling but I am adding more color. Color creates heat in the mind. That’s good.

    16. Load and go. (But carry a pad & pen!) Trying to solve a big problem? Load all of the facts into your head. Pick up a pad and a pen that works. Go outside. Get ready for a print out. It’s coming.

    17. Keep a positive journal. People who journal tend to write negative things. Journal about positive things. In fact, close your entry with a section called “Gratefuls.” List some simple thing you are grateful for TODAY. A good cup of coffee? A gentle rain? A pen that works good? Little gratefuls turn into a happier life.

    18. Take weekend mind stretches.

    Do something different on the weekend. Your weekends should turn into time off ruts. Do something different. Ride a bike to a little town and have a piece of pie at a local caf?. Climb a tree. Put your golf clubs in the garage once in a while. Go watch storms. Rent a canoe. Experience new roads.

    19. Be nice to an animal daily.

    When you meet a little hound on the street, say hello. Baby talk is fine. Bend over a little and let the little guy know that it is all about him. Watch the tail wag. Watch the grin. Watch the instant excitement. Now apply what you have learned to humans.

    20. Be nice to an old person daily. Help them get around. Open a door. Help them get their things on and off the bus. Help them get something down from a shelf they can’t reach. Just help them. You’ve got time.

    21. Be nice to a kid daily.

    Ask a teen what he thinks. Make eye contact. Make the teen feel important. Let the teen use his personality. Open expression for both of you. See life through some different eyes.

    22. Be nice.

    Enough said. There is a shortage of nice today.

    23. Exercise daily. (But carry a pad & pen!)

    Walk. Ride a bike. Jog. Lift some weights. Do something for 20 minutes. But have a pad and working pen nearby.

    24. Learn to laugh. No, a snicker isn’t good enough. Learn to laugh. Don’t be bashful about laughing. It’s infectious!

    25. Read good humor. Find something funny to read. No, I don’t mean dirty email. I mean find a funny writer like Will Rogers or Erma Baumbeck and read. It will make your day better and it helps load that computer above your shoulders with a positive point of view.

    26. Read a biography every month. A life worth lived is probably in print somewhere. Get in the habit of finding out how someone else lived their life. Maybe they can help you with some of your problems.

    27. Use good mind oil. Crossword puzzles. Find the word games. That numbers game. Next time you are in one of the W stores, buy a magazine or booklet of them and have it handy when you need to oil your head.

    28. Listen to jazz when you need to create.

    Jazz is suppose to inspire creativity. Learn to like it if your don’t. Remember what I said about trying something new?

    29. Trust your instincts. If you have made it this far and still find these steps interesting, chances are good you are on the way to developing good creative instincts. Trust them. Go with a new idea. Let it develop. Don’t let someone talk or bully you out of it.

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