ABC’s of ECommerce Merchant Account (part 2 of 2)

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The merchant account provider must also offer a reliable technical support. The technical support must be available for 24-hours through the net or the telephone. Most preferably, there is a qualified technician that would personally respond to any problems associated with either the software or hardware. A few seconds lost through a technical problem would also mean loss of profit.

Business owners should also look into the cost that the merchant account requires from them. There are additional costs to consider other than the typical costs that goes with merchant accounts like interchange fees, transaction fees and monthly fees. There are hosting fees, website maintenance and design costs and website start up fees. Most of the time, the less you pay for these additional costs, the less is the quality you get and the poorer service you give to your costumers.

What are the risks associated?

The risks associated with an eCommerce merchant account provider are basically the same as with the traditional merchant account provider. Fraud is the most common scam in online transactions. Hackers may enter into the system and transfer credits into their own accounts.  They may also steal the customers’ personal information from the merchant account system and use it for other fraudulent transactions.

Other risks may also be accounted to the part of the costumers. They may falsely claim that the product was not properly shipped, that it was not accurately described as it was on the website or that they may not actually have received.  The customer may also complain of unfair or incorrect billing.

What are some of the best eCommerce merchant account providers?

Charge.com easily tops most of the reviews of merchant account providers. Some other highly praised merchant account providers are Merchant Account Express, CyberBit and Electronic Transfer.

ABC’s of ECommerce Merchant Account (part 1 of 2)

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What are Merchant Accounts?

The process of buying products through the internet has become so convenient that we become unaware that there is actually a complex system of commerce that goes with it. With the birth of the credit card, business owners have realized its potential on making their products more accessible to their target consumers. This is when merchant account providers come into the picture. Merchant account is way for business owners to accept payments through credit cards.

What are Payment Gateways?

Aside from the merchant account provider, there is also a middle party that oversees how the actual exchange of payment information takes place. It is the online version of  a cash register. Upon payment, the consumer enters encrypted information into the merchant’s web browser. The payment gateway then sends another encrypted information from the merchant account provider then into its acquiring back and lastly into the issuing bank. The seemingly complicated process of exchanging encrypted information between the different parties takes only around 3 seconds.

What should business owners look for in an eCommerce merchant account provider?

Reputation, integrity and compliance are some of the important characteristics that a merchant account provider should have. Business owners may study the history of the company by looking through the company’s financial statements, tax accounts, credit returns and its Dunn and Bradstreet credit file. The merchant account provider should also be properly registered to the Payment Card Industry (PCI) Data Security Standards (DSS) and is insured to the Federal Deposit Insurance Corporation (FDIC). Business owners may also inquire with the Better Business Bureau (BBB) to look for any complaints, if any, that have been filed against the merchant account provider.

The merchant account provider must also offer a reliable technical support. The technical support must be available for 24-hours through the net or the telephone. Most preferably, there is a qualified technician that would personally respond to any problems associated with either the software or hardware. A few seconds lost through a technical problem would also mean loss of profit.

Circular Knitting Needles (part 2 of 2)

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Working with the circular knitting needles is a pleasing experience. The chord attached to the needles holds most of the stitches, and hence you can cast on a fairly large amount of stitches on the needles. As the weight of the stitches is well distributed in a circular knitting needle, you can easily carry on large projects or work with heavy yarns.

Circular needles prove beneficial when it comes to working round, joining the two ends to create a circular knit can be difficult on straight needles. But with the circular needles it can be done in a jiffy. Stitches like the stockinet stitch are mainly used for circular knitting. But knitting enthusiasts can make use of the garter stitch.

To create a stockinet stitch you will have to knit ever row, while for a garter stitch, you will have knit one row and purl one row, which is to be repeated.  You can create a reverse stockinet stitch, by purling every row.

The circular knitting needles facilitate the knitters to try out different stitches without any trouble. By using these needles for circular knitting you can easily create different patterns and variations.

Along with circular knitting, the circular knitting needles can also be used for flat knitting. If you want to knit a big afghan or warps then these needles prove beneficial. These needles hold the stitches in place, so that it becomes easier for you to knit large objects. While working on flat objects, do not join the ends in round, instead cast on the stitches and start knitting.

The circular knitting needles help the beginner to carry out big projects, without thinking about the twisting of the stitches. Hence once you are acquainted with the basics of knitting, you can easily use circular knitting needles to produce beautiful objects.

Circular Knitting Needles (part 1 of 2)

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Circular knitting needles are a perfect option if you want to create something like a seamless garment. Making seamless bags, sweaters and other objects becomes with the use of circular knitting needles. These needles come in various sizes and shapes. But for the beginners who are not aware of what these circular needles are, here is a brief introduction.

Circular knitting needles are not much different from an ordinary straight needle. But the only difference is that the two hard tips of a needle are joined with a flexible cord. These needles are made from the same material as the straight needles. Hence you can buy your circular knitting needles, in your favorite materials like plastic, bamboo, metal and resin.

These needles can be bought in a fixed format or an interchangeable one. In the fixed format the needle is permanently attached to the cord, while in an interchangeable system you can change needles according your needs. The circular needles can be bought as a part of needle set which includes all the needles necessary for knitting.

Circular knitting needles generally range from size 3 to 15, the chord can buy according to your circumference of the object. Commonly the needles are available in sizes 16,24,29,36 and 40 inches, but different producers make needles of the odd sizes like 11 and 34. The length of the needles depends on the pattern you are planning for your object.

Cape Cod Landscape Architect (part 2 of 2)

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The architects can help creating an intimate outdoor ambience with the lighting system. Outdoor lighting not only increases the appeal of the home but also improves the safety features. Lighting the path to doors or in the pavement provides wonderful look to the home. You can get help from any of the landscape architect firm in Cape Cod to select the suitable lighting system.

If you want to build your backyard garden pond, then seek the help of a Cape Cod landscape architect to get a brilliant design that suits your garden. Urban ponds suit smaller area. Koi pond is ideal to accommodate fish growing. Koi ponds normally do not have any plants since Koi would eat certain types of plants. Natural style pond is however ideal for a coastal area like Cape Cod. Flat stones can be used to form a natural style pond.

The sound of falling water can be tuned well through careful planning and arrangements. The garden pond shapes come in variety of types. You can select a pre formed pond with built in plant shelves if you are a beginner pond builder. These types of ponds can provide longer period of life and they are easy to clean.

Cape Cod landscape architects also help in low maintenance landscape design. Most of the people wish to design a fabulous landscape. However they do not want to spend more on maintenance. Since the architects provide plans for a great landscape design which needs little or no maintenance.

Since landscape in coastal areas like Cape Cod would be frequently affected by the salty air, it is important to plan for a less maintenance design that can be environmentally sustainable.

Cape Cod Landscape Architect (part 1 of 2)

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Cape Cod a national seashore at Massachusetts in the United States of America has many architectural areas. The quality service provided by Cape Cod Landscape architects includes the areas of lawn maintenance, landscape maintenance, landscape construction and much more.

People who are fascinated by the Cape Cod’s distinct mixture of forest, marsh, bay and sea wish to plan for a beautiful home here with a brilliant landscape. Cape Cod landscape architects offer an array of quality services to fulfill their dreams.

Cape Cod landscape architect firms grant remodeling the homes and landscapes in order to provide appealing look to the property. They can also provide services to select flora and fauna that suits the soil and terrain. They offer valuable services in the field of irrigation system. You can also get advice from them where to buy the landscape decorative products.

Landscape architects in Cape Cod help in lawn mowing, planting, mulching, pruning, and trimming and so on. They are specialists in both contemporary and traditional style of landscape architecture. Therefore they can help your dream project a reality.

Decorating the outdoor of home is becoming famous nowadays. This helps not only improve the appearance of home but also the value of the property. Landscape appearance is the first impression of any home. Landscaping complements the home and so Cape Cod landscape architects pay special attention to each and every aspect of the landscape design.

The Basic Details About Kentucky Living Wills (part 2 of 2)

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The Kentucky living will form is comprised of two sections. The first one is the Health Care Surrogate portion. This allows you to appoint at least one person to make the decisions on your behalf with regard to health care. Needless to say, this right will only take effect once you become incapacitated and unable to communicate your wishes regarding medical treatment and life-sustaining measures. Your advocate can be a spouse, a son or daughter, a member of your immediate family, a guardian, or a trusted friend.

When selecting a surrogate, keep in mind that the person you appoint will have the power and strength to make crucial decisions about your health care – even if others may push for a totally different direction.

So choose the most qualified person to be your surrogate. You may also want to consider picking out a back-up person in case your first option is not available. Just be sure to notify them in advance and make certain that they understand what's really important to you.

If you ever decide to draw up a living will, make sure that you have a serious talk about it with your family and your physician. The conversation and the support that you get are just as important as the document itself. Also, be sure to lay out your wishes in the living will as specifically as possible.

Every time you get hospitalized – or if you ever get admitted in a nursing home, you are expected to inform your health care provider about your living will, or the lack of it.

One copy of the legal document should be placed in your medical records so that your attending physician may readily refer to it in case something really bad happens to you. This guideline does not only apply to Kentucky living wills – other states may require it as well.

The Basic Details About Kentucky Living Wills (part 1 of 2)

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A living will basically makes it possible for any person to put his or her health care decisions in writing even if the hospitalization has not occurred yet.

It essentially takes effect as soon as the creator has become too ill or incapacitated to make a rational choice about medical treatment. If you happen to live in the state of Kentucky, then you would definitely need to familiarize yourself with the laws that govern Kentucky living wills.

The Kentucky Living Will Directive Act of 1994 was ratified to make sure that the residents have the right to decide for their own health care, as well as to refuse or accept medications or medical procedures. This right to choose is applicable to treatments that attempt to prolong a person's life such as ventilators or feeding tubes.

If you live in the state of Kentucky, a living will can basically enable you to leave behind instructions in four crucial areas. You may choose to designate a health care surrogate (patient advocate), request or refuse life-support measures, request or refuse artificial hydration or feeding, and/or convey your wishes with regard to organ or tissue donation.

Any person who is 18 years old and above is fit and qualified to draw up his or her own living will. However, the effectiveness of this legally binding document is normally put on hold during pregnancy.

You don’t necessarily need to have a lawyer to draft a living will. As a matter of fact, the Kentucky Law specifies which form you have to fill out. The only time that you would actually need an attorney is when you have to make some changes to your previous living will.

The state law also forbids family members, heirs, guardians, or health care providers from acting as witnesses to the signing of the document. In lieu of eligible observers, you may request the presence of a Notary Public.

The Rise of the Literary Magazine Publishing (part 2 of 2)

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However, it does not want to dwell on literature that relies on extremism and sensationalism.  The Times Literary Supplement was originally intended to be a supplement to The Times but later on became an entirely separate publication in 1914. Literary reviews by T.S. Eliot and Virginia Wolf had appeared on their issues.

The later part of the century saw the rise of the two influential and controversial literary magazines there is: The Kenyon Review and The Partisan Review. The two publications not only have literature and criticism in its content but also politics. The Partisan Review used to be associated with the American Communist Party but broke off its ties after Stalin’s regime.  Some of the significant names that appeared on its issues are Saul Bellow, George Orwell and Susan Sontag. Its final issue was on April 2003.

The rise of the small presses in the 1970s made literary magazines more prolific. Due to the establishment of the Committee of Small Magazine Editors and Publishers or COSMEP, the small magazine publishing companies has been assembled and formalized. Artists can then choose which publications suit the style of their works.

Also around this time is when AGNI was formed. AGNI is a leading literary publication in providing an outlet for talented and aspiring writers. The publication believes that its contents are aimed in creating social and cultural dialogues. Jhumpa Lahiri, Susanna Keysen and Ha Jin have been featured in the magazine before becoming well-known writers in the academic and mainstream literature.  They accept works from artists coming from different countries, culture, gender and genre. The publication has been running for thirty-six years, producing at least sixty issues.

During the late 1990s, Francis Ford Coppola launched Zoetrope: All-Story. The publication dedicates itself in featuring fiction and one-act plays. It publishes works from promising, aspiring writers alongside the prominent ones like David Mamet, Salman Rushdie and Yoko Ogawa.  Other than these, it also features reprints of classic works and contemporary artworks.

It is also during this time that e-zines or online literary magazines began to appear. This marked the changing face of literary magazine publishing. Some of the well-acclaimed e-zines are The Barcelona Review, Ecletica Magazine and Spike Magazine. Nevertheless, it is still a relatively young alternative to literary magazine publishing.

With the abundance of e-zines emerging, the quality of literary content and technique has yet to be evaluated before it they could fully become a valid literary output.

The Rise of the Literary Magazine Publishing (part 1 of 2)

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A literary magazine, in its original sense, is a magazine that caters to literature. However, modern literary magazines also now feature graphic art. It is an alternative outlet to the more rigid and serious scholarly journals of the academe. Thanks to the rise of the small magazine publishing companies during the 1970s, literary magazines have found their way into the general public.

The first literary magazines started to appear in the 19th century. A lot of which originated in England and Russia and a handful in the United States. The North American Review is known to be the oldest American literary magazine until it ceased publication during World War II.

The Yale Review had its first publication four years later of The North American Review. It is initially referred to as the “The Christian Spectator,” and deals with theological contents. It was Henry Walcott Farnam who changed its name into the “The Yale Review” and has broadened its contents. However, it is in 1911, when Wilbur Cross became the editor of the publication, which has totally revolutionized The Yale Review. It has then been transformed into the nation’s leading university publication. It is the oldest and one of the most respected literary magazines that is still being run today.

Two of the most distinguished literary magazines that are also still up today began in the early part of the 20th century: the Southern Review and The Times Literary Supplement. The Southern Review accepts literary works such as short stories, novel in progress, poetry and critical essays that focuses on the Southern culture and history. It specially caters to contemporary literature and is open for experimental writing.

Tips on Getting Wallpapers Inside your iPhone (part 2 of 2)

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Step 2 – Connect.
Next, you have to connect your phone to your computer. To do this, launch iTunes and then click on the tab indicating “Photos” then select “Sync from”. Based on the menu which popped-up, you are to do one of the following: choose iPhotos for Mac users or Photoshop for PC users. Choose a certain folder. Choose the “selected folders” or “albums” or “all photos” that you wanted to sync.

Step 3 – No sweat
After the endless saving and choosing of different apparent options, you are now on your final stage of your journey. Click on the icon “Photos”. By browsing through the different albums, pictures and camera roll, you’ll be able to find the picture that you want. Select that particular picture so it will be displayed in a larger size or full screen. Click on the icon that is found at the lower corner of the window. Don’t see the icon? Tap on the picture once in order to display the desired menus. Select the icon saying “select as wallpaper” then set it.

You can do the process all over again if you think that you want to change your wallpaper. This process also applies in iPod touch although there are certain situations which you will encounter that is not very similar to that of doing it to an iPhone.

This kind of customizing will give you more edge and adhere to expressing how your iPhone should be like. Don’t settle with the conventional type. Be different.

Tips on Getting Wallpapers Inside your iPhone (part 1 of 2)

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Bored with how technical and standardized your iPhone is? Put some life to it. Add glimmer to the background or set really cool wallpapers to tease your eyes. You can do this in 3 easy steps. After that, you can enjoy any kind of wallpaper that your heart desires – animals, cartoons, movie logos, artists, nature and the list goes on. If you are having difficulties in managing your wallpaper and don’t have a clue on how to set things your way, then give a minute of your time to ponder on these steps. The choice of wallpaper will always be based on your preference.

Step 1 - Find a wallpaper source.
This wouldn’t be tough. You can surf through the internet or individually take it from your phone’s memory. Once you have found the wallpaper of your dream, save it to your PC or Mac through your web browser. How do you go about this?

1. Right click on the picture or wallpaper that you like. Click on the icon that says “Save” which you will find on the right corner of the image chosen. Automatically, the wallpaper will be saved inside your device’s hard drive. Usually, it depends on the settings of your browser on how the image will be saved to a location or prompt the file without minding the default.

2. If you are a Mac user, you can choose to save the wallpaper to a certain folder or add it up to the photo library. If you are a PC user, you can save it in a folder preference or direct it to the folder which states “My Pictures”.

3.You can do the syncing in iPhoto, on a Mac, or even Photoshop and similar elements. You can also sync any kind of folder that contains the desired image.

Business Branding That Drive Sales (part 2 of 2)

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Tips for a Successful Emotional Campaign

If you decide that you want to appeal on your customer's emotion as your business branding strategy, then you need to consider various aspects that'll make it work. One way to effectively do that is share a story. This story could be fictional or not, but it should have some relation to the brand you are trying to campaign on. The idea here is to be able to produce some sort of personal improvement or progress by using the product.

If possible, base the emotional campaign on the brand itself, not just on the product. That way, you'd be able to produce a distinct campaign that will easily set you apart from competing companies. Then, whatever this message that you use in your campaign, try on remaining consistent with that. You can use different methods and campaign variations, but the message must remain the same in all of your brands.

After you have finalized your campaign, verify every bit of detail that is included in the campaign, whether you are using it for TV or print advertising.

Preserving Business Reputation

The brand recognition phase is over and now you have to utilize ways to preserve your company's reputation. It must involve taking notes and analyzing of your company's actions and how the customers perceive those actions, in relation to their satisfaction about your brand's performance and some other related factors.

Again, sensitivity to your customer's needs and using your brand to address that is one of the most effective measures toward business branding. As you go forward in your business efforts, try to learn more about effective business branding strategies to expand the reach of your brand in the market.

Business Branding That Drive Sales (part 1 of 2)

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Importance of Business Branding

Business branding is not just a one-time process. Rather, it is something you work on and build up over a period of time. After all, branding reflects your reputation as a business enterprise. Along with your efforts to create and manage your brand is the efforts of trying to build and protect your relationship with the customer base.

One of the best ways to establish the prominence of your brand in the market is by remaining consistent with the message that is conveyed by your marketing efforts. Refrain from claiming to produce bold and large scale promises. Your customers will easily remember when you fail to deliver in those promises. You could easily lose that reputation that took you years to build. Therefore, you need to pay attention to exactly what you need to do (and what not to do) if you want to turn that trust you have created amongst your customer base into increased sales.

Campaign for Brand Awareness

Since every brand is distinct, you must also utilize varying approaches in communicating the brand's message across to its target market. This part entails immense creativity and a certain level of sensitivity to the needs of your prospected customers.

If you are not sure how to do this, you can take hint from other highly successful brands in the market. Study how they utilize their brand and what strategies they employ to get more people drawn into their brand. For instance, you can work on an emotional campaign, which is something that is rather difficult to do. But once you are able to establish that, then you could potentially increase your sales. One important thing to remember when you are using an emotional campaign is to always speak the truth about what your product is about and what it can do that will benefit your target market.

The Vanishing Art Of Dress-Making (part 2 of 2)

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The art and the craft

Even then, the craft of tailoring was slow to come by. Everything then was done by hand -- thread-making, weaving, and sewing. The techniques discovered and developed painstakingly over hundreds of years were handed down from generation to generation.

Alongside these, almost every housewife had a dress-making box at home. This box contained pins and needles, scissors, threads, and a tape measure. These were the tools mothers used in simple clothes-making and repairing techniques, as well as using them in teaching their little girls sewing lessons learned from their own mothers.

When the Industrial Revolution flourished in Europe, the textile industry was the first to be mechanized. This freed the people from the tedious job of making threads and fabrics which in turn are sewn into clothes.

Mass production

This was the beginning of the decline in the art of making clothes. These were the days when dress-makers become famous and people want to wear their creations. To make more of these clothes, more assistants and seamstresses were hired. Later, there were armies of their garment workers all over the world.

Nowadays, a piece of clothing is considered a ‘consumable item’ -- sold and bought over the counter no different from a can of soda or a bag of potato chips.  This is because mass-produced clothes are less expensive now than the labor to make it.

There maybe a handful of traditional tailors lurking around. But they are getting harder and harder to find. They are, sad to say, a dying breed.

Another group of old-fashioned dress-makers are found in countries where strict traditions still dictate the make and form of their clothes.  Sadly, their days may be numbered. In a fiercely traditional nation as Tonga, one sometimes sees men wearing modern T-shirts together with their traditional Tongan wrap-around skirt called tupeno.

It is a strange mix, but today's Tongan men probably think they look better in it than before.

The Vanishing Art Of Dress-Making (part 1 of 2)

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Dress-making was not as old as mankind as had been previously thought. It turned out that food-gathering was our ancestors' first priority. The need for shelter came in second. Clothing, generally regarded today as man’s third basic need, came in much later.

The jury is still out there as to how late it was when our ancestors finally decided to make and wear clothes. Initial findings say it was some time around 650,000 years ago when people thought it was good and healthy to wear something to protect themselves against the rain, the wind and the sun.

The experts were also uncertain if the decision to wear clothes included the avoidance of stares from the others. That reason might just be plain conjecture. We still have groups of people, old tribes living in present-day jungles, who consider personal modesty a non-issue.

What is certain, though, is that the manufacture of clothes had evolved into one of the world’s biggest multi-billion dollar industries. It had spawned its own specialized idioms, created fashion movements, made up its own philosophy and quirky politics, and created its own star personalities. It had even overlapped into the equally hyper entertainment industry. But that’s another story.

Our story is about the dying art of dress-making.

Clothing materials

It had been a long while since people used fur and leather from animals, as well as leaves, barks and hemp from plants as clothing. Wearing was simple: either these were tied to the body or were wrapped around the backs of the wearer.

Much later, the craft of weaving was developed and the use of hand needles to stitch fabrics together arose some 40,000 years ago. The making of clothes went a notch higher.

In China, silk was discovered around 3,000 ago, almost around the time the Egyptians found the use of linen. In Europe, wool was first used in Greece and later in Rome. It is remarkable that we still use these materials today.

The Body Language Of Women (part 2 of 2)

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Women also do a good job in catching their men's attention with movements of their lips. A strong lip flirting signal is when she would bite or lick her lips ever so slowly. It also works when she would drink from a glass or eat in a slow motion manner. Make sure this is done while she is looking at you, and not at  somebody else!

But the best sign of flirting is when she laughs at your jokes and touches you from time to time. They even would pretend brushing past you accidentally to get that magic touch. Other signs of flirting that she would show is crossing and uncrossing her legs, leaning and whispering, dangling her high-heeled shoes at her toes, and always flashing a smile.

She's Saying Yes

It is a definite signal of invitation when she keeps looking back at you. A smile would strengthen the signal of attraction. You will know she is interested in your interaction if she keeps that eye contact even if she's playing with something with her hand, like her drinking glass or her hair. There is a certain glow in a woman's eyes and facial expression when she likes a particular person. Another sign is when she would step closer to you or touch you.

She's Saying No

The strongest sign that a woman is annoyed, uninterested, and bothered by you is a fierce look with the arms crossed. But there are women who are kind enough to be just civil, especially during a blind date with the wrong guy. Observe her eyes. See if the glow is there or if they are dull and inexpressive, even when she smiles (the smiles are usually forced). And even of there is eye contact, but she keeps on breaking it and tries to look around the room, she may be thinking of reasons to go home earlier than expected.

Female body language is not that difficult to read. If you know what a woman is thinking, then you will know which step to do: to approach her or try your moves on somebody else.

The Body Language Of Women (part 1 of 2)

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Most men usually complains that women are difficult to read because women do not usually tell how they really feel except when they are confronted. But did you know that women send signals of body language five times stronger than men? You will see that the female body language is easy to read.

How To Read The Female Body Language

The easiest way to read a woman is by finding signs of emotions. Do not just look for one sign; look for a cluster of signals. For example, you cannot tell if a woman is into you by an eye contact only. It must be accompanied with a smile, preening, and the like. That one sign may have been a gesture she has gotten used to, so do not interpret it immediately.

Is She Flirting?

The most typical signal that a woman is flirting with you is preening. She would always like to look her best for you. She would adjust her clothes, check her buttons, or smoothen her skirt. She also plays with her hair, twirl her finger into a few strands, and even toss it over her shoulder especially when she could show some bare skin.

If you are across the room from her, you will know that she is into you as well if she keeps glancing over. The eye contact she makes is usually longer than usual and then would look down with a flattered or embarrassed smile. Men usually loves that action.