Sunday, November 29, 2015

Getting to know Merchant Account Fees (part 2 of 2)

1. The discount rate which most of the time make up the majority of the costs made by your business. Experts say that this is the most important fees to consider because if there is lower number of times that the card is being swiped, there is a higher possibility that one is keying in Internet transactions.

2. The transaction fees are those that are charged by the processor to be able to process any transaction. People should also pay attention to this because there is charge whether the transaction has been approved or not.

3. The PIN debit transaction fees because this refers to a fixed transaction usually mounting up to around 70 to 80 cents. This should also be a consideration because some processors that charge lower transaction fees have higher hidden charges.

4. The Address Verification Service Transaction Fee or the "AVS" which applies to those merchants that are not really swiping any transaction. Make sure that this fee only range form 5 to 10 cents and should be included in the transaction fees being charged.

5. The ACH Fee or the daily batch fee  which is usually charged by other merchant account processors when one settles their daily batch and they transfer their settled funds into the bank account. Make sure that this type of fee is not more than 5 cents to 50 cents only.

Other merchant account fees that should also be considered include the monthly statement or support service fee, the internet gateway fee, the voice authorization fee, the monthly minimum fee, surcharge and partially-qualified or non-qualified fees, the application or setup fee, the reprogramming fee, the chargeback or retrieval fee, the annual fee, the cancellation or termination fee, and other hidden fees or junk fees.

Getting to know Merchant Account Fees (part 1 of 2)

People who are getting involved with merchant accounts will probably experience confusion along the way. This is because the terms, the conditions, and the set of rules being implemented by most merchant account provider can be hard to understood especially to people with no background in finance and banking terms.

If you have a business and you are planning to get a merchant account to be used in accepting credit card payments, the first thing that you should consider is the merchant account fees. This is a very important factor before obtaining a merchant account because this will give you an idea how much to spend and what can you gain from these expenditures.

Aside from the "turnaround time" which is a important consideration to keep you away from financial delays and other related hassles, the quality of "customer service" given which include good customer client relationship, and the "bank reputation" which provides longer operation hours, tenure the industry, alternate choices for processing payments in cases of failure in the system, and the technical support, the fee structure should be the utmost consideration.

Experts say that before obtaining a merchant account, fee structure should be examined very well to ensure that there would be problems in the flow of payments. Studying the fee structure is important to know what are the involved the fees monthly. Today more and more merchant account providers offer lower fees but it doesn’t ensure that they give better service. To ensure that you are getting the best merchant account provider, consider the rate and terms on these fees that they charge:

1. The discount rate which most of the time make up the majority of the costs made by your business. Experts say that this is the most important fees to consider because if there is lower number of times that the card is being swiped, there is a higher possibility that one is keying in Internet transactions.

Thursday, November 26, 2015

Help With Knitting (part 2 of 2)

To take care of complex problems like holes in your knitting projects, here is some knitting help to solve the problem. The common reason for holes in the knitting project is the yarn over. The inevitable wrapping of yarn over your needle is termed as yarn over, it usually happens, when you are not knitting a stitch.

This problem can mess up your pattern in return messing up your project. The way you can solve this problem is by unknitting. Well there is no need to ravel your whole project, just unknit the portion beyond the hole. And then resume your knitting. After mastering the art of knitting you can use these holes to create beautiful patterns in your project.

Baby blunders occur with most of the beginners. While you are happily knitting your project, you suddenly see some problem in you stitches or rows. This is the easiest problem to solve; you will not need much knitting help for this problem. All you have to do is retrace your steps and unknitting them on your left needle, so that you can knit them correctly. Then rectify your mistake to precede knitting.

The larger problems, you face during knitting, can be rectified only by unraveling the whole garment. Though this can be a little disappointing but, you can benefit from the practice you get from raveling and redoing. Once you master this art you can easily correct all your problems without any knitting help.

Help With Knitting (part 1 of 2)

Need some knitting help, be it a case of needles, stitches, yarns or any thing about knitting, you will find everything here.  We have tired to answer some of the common asked questions which create problems for beginner or professional. The answers to questions lie in your own hands but you are unable recognize them.

Knitting help for some common problems like dropping knit stitch. Picking the right needle, yarn and patterns are often faced by amateur knitters. For the problem like dropped stitch, first you have to realize your mistake. Once you identify your problem sit down, relax, you will observe that the loop has two legs, right and left.

The right leg should always be in the front of the needle. Then put the stitches n the needle as they were before. Always keep the same order of the stitches, as any mistake can lead to twisting of the stitches. Once you have got your stitches back in place you can carry on knitting.

Knitting help regarding selecting the correct needles, yarns and patterns, will help you creating great patterns without any hassle. You should always keep in mind the type of project you are planning to make. To make larger projects like sweaters, Afghans and so on you will need bigger needles that the needles used for making socks and hats. If you bring a kit for knitting it includes all the material needed. You can also take the advice of a shopkeeper if you are buying a needles or yarn for the first time.

The yarns that are available in the market are of a wide range. But if you knitting for the first time then try using light weight yarns as they will not tire your hands, making your first knitting experience comfortable.  The patterns or stitches you use for your projects should not be complex as that creates a lot of problem. If you are keen on using complex stitches, then try using them to create variations, by using simple stitches for the base.

Monday, November 23, 2015

Jobs in Dubai Landscape Architect (part 2 of 2)

Landscape architects who have got the jobs in Dubai landscape architect firms get competent salaries plus additional benefits according to their capability. Any qualified landscape architect from anywhere in the world can apply for the jobs in Dubai architecture firms.

Though most of the firms require bachelor degree in landscape architecture, some outstanding firms in Dubai require master degree in landscape architecture plus some years of experience in the field in order to get the job. These firms require outstanding written and oral communication skill in English language. They also require working knowledge of scaled drawings, digital imagery and the ability to read engineering plans.

The applicants need to have the ability to produce quality landscape designs to renovate and improve the properties of the clients. They also need to cooperate with clients and other staff members so that they can help in accomplishing the clients’ dream a reality.

The suitably qualified landscape architects can send their resumes in MS word format to the required company through online. The applicants are also required to send the copy of their degree along with 2 references. Jobs in Dubai landscape architect firms are willing to pay negotiable salary for a competent staff.

There are number of technological changes and innovations happening in the landscape architecture field. Hence anyone who wants to apply for the post of landscape design manager in Dubai landscape architecture firms need to have latest technical knowledge. In fact Dubai landscape architect firms provide an excellent opportunity to the landscape architects all over the world for international exposure.

The job position would be based on any cosmopolitan city of Dubai and attractive salary package would be given for eligible candidates.

Jobs in Dubai Landscape Architect (part 1 of 2)

There are many firms that offer jobs in Dubai landscape architect. Various levels of jobs are available for a landscape architect. The required qualification for acquiring jobs in Dubai landscape architect includes a bachelor degree in landscape architecture, excellent communication skill, time management skills and willingness to work in Dubai and UAE. Those who did not complete graduation in landscape architecture can apply for the job provided they have equivalent experience.

The landscape architecture firms in Dubai provide unparallel service in the field of architecture. They offer excellent remuneration for their staffs. Hence jobs in Dubai landscape architect firms would really improve your career and financial position.

The job description of landscape architect in Dubai firms includes the ability to flourish in a multi disciplined office. This is important because these firms would normally contain 400 or more talented staffs. Hence the ability to mingle with the colleagues is important to get a job in Dubai landscape architect firm.

You must also have the ability to execute a project alone. You also need to create innovative landscape designs. You need to have the strong graphic capabilities and the knowledge in latest landscape technologies is highly preferable.

The jobs in Dubai landscape architect firms require performing multi national projects. The firms would engage in any type of project like planning for resorts, health care, commercial, office use and residential buildings. Therefore the landscape architect needs to have vast knowledge in his field.

Thursday, November 19, 2015

Massachusetts Living Wills 101 (part 2 of 2)
In the creation of a living will, the common law states that for as long as the person is competent to determine for himself/herself, he or she possesses the right of self-determination. It basically means that only the person can decide what type of treatment will be done unto him or her. Integrated into the right of self-determination is the right to accept/decline medical intervention.

Courts all over the country have maintained that the advance directives or living will drawn up by an able individual should be respected even when he or she is no longer considered competent. In 1990, the Supreme Court released a definition of what a "competent person" really is. According to the statement, he or she has the autonomy to refuse treatment under the constitution's due process clause.

Although it is common to see advanced directives that attempt to cover a wide range of situations, it is still a better idea to express your health care wishes specifically. You may even spell the words out in the document or plan a small discussion with your health care team about the matter.

The substantiation of both written and verbal proof aids in ensuring that your wishes will actually be carried out. Some examples of common interventions that you should deal with include artificial hydration and nutrition, cardiac resuscitation, mechanical ventilation, pain medications, antibiotics, etc.

Massachusetts living wills possess the same features as that of a standard living will. However, due to the lack of state laws that govern the creation of application of this legal document, certain features may be absent.

Then again, what matters the most is not the add-ons but the typical functions and benefits they offer.

Massachusetts Living Wills 101 (part 1 of 2)

Living wills notifies others about the medical treatment you wish to receive or refuse if you become terminally ill or permanently comatose and incapable of communicating your decisions. Duly ratified state laws regulate all living wills in the United States – except New York, Michigan and Massachusetts living wills.

These statutes aim to safeguard a person's right to say no to medical interventions. In most states, these documents are legally binding and can assure that an attending physician who implements patient's wishes will be free from any liability.

What is a Living Will?

A living will is a written document that is legally binding and would take effect only when the creator becomes incapacitated to make autonomous and informed decisions about his or her medical care. If you decide to make one, you can specifically express your wishes with regard to what types of treatment you want to receive or decline.

A lot of people prefer to steer clear of life-sustaining interventions that only function in prolonging life without improving its quality. They can definitely make their objections clear by writing a living will. On the other hand, individuals who want to express their preference to receive all types of medical treatment – to sustain life and consequently delay death – may do so through this legal document.

The instructions – or advanced directives – contained in a living will are typically designed to take effect if you fall into any of the following circumstances:

1) terminal illness

2) persistent vegetative state (PVS) or permanent coma

3) conscious yet with permanent brain damage and will in no way recover the capacity to make autonomous decisions and/or convey your wishes

Monday, November 16, 2015

Magazine publishing: what you need to know (part 2 of 2)
That is why it is good that you are already part of the industry or have been working in the industry before you get into magazine publishing. That way, you will already have contacts who can give you a much lower price. It is also better if you already know writers that are really good and just in case you cannot afford to pay for an editor, it will be good that you already have an idea on how to do it. Besides, being in the industry will allow you to have better taste when it comes to content and layout.

3. Competition is tough

A magazine cannot thrive in circulation alone. To survive, your magazine should also rake in advertisements. This is when the job becomes hard. You see with all the magazines that have been cropping up in the metro, it will be hard for you to get advertisers that have already been advertising in other publications for your first issue. You first have to convince the advertisers that your magazine is interesting before you will be able to get their attention. This is oftentimes the case of the egg and the chicken. You need to have a good circulation to get advertisers but you need advertisers in order to increase your circulation!

4. Socializing is part of it.

Believe it or not, the success of a magazine is not only dependent on the content and the people who write for you; it is also dependent on the buzz that you create for your magazines. This can be done through socializing with people that are part of your target market. This is part of the marketing campaign for magazine publishing. To promote the mag, some companies even hold events.

Magazine publishing: what you need to know (part 1 of 2)

With all the new magazine titles that are being published, you’d think that magazine publishing is so easy to do. But in truth, it is not. Magazine publishing is actually hard to set up especially if you are new to the industry. This is why it is important that you have even a small experience with magazines or even publishing before you try to get into the business. That way, you will be able to understand where your employees are coming from and how you can make the business work with the minimum expenses.
Here are some things that you need to know when you get into magazine publishing.

1. It’s expensive.

It’s not a joke to finance a magazine. Besides the writers that you have to hire, you also have to pay for the paper and printing. Just imagine, you have to publish thousands of copies. Each costs tens of dollars. Remember that unlike newspapers, the paper used in magazines is glossy and thick. This means that the paper used in magazines are more expensive. You should also be able to provide for the office equipment and the office space. So unless you have billions of dollars to burn from the bank, think twice before you invest in magazines.

2. It’s difficult to source out.

Sourcing out the materials for the magazine, from the paper to the printer can be hard especially if you are on a tight budget. Getting good writers that you don’t have to edit is already hard enough; but you also need to hire marketing personnel who will also help sell the pages.

Thursday, November 12, 2015

Not Just your Average iPhone Camera (part 2 of 2)
Taking a Clear Shot

It’s not as convincing as it seems but taking shots through the phone can be quite demanding and hurls a challenge to Apple. The trouble is towards capturing. In some sense, the camera is somewhat a priority add-on to Apple to add further breakthrough to the said device but, the expected outcome wasn’t as stunning and impressive as some may think.

Development of the camera’s fine shots didn’t make the core of a die-hard fan. What’s hard to ponder is that, despite the facts, Apple has claimed their device would be on top of it all, their camera features nothing more than an ordinary camera for those who have the actual phone. Worse, it doesn’t even have a zoom feature or a flash.

The idea is that, the camera will play the part of taking moments instantly and then being a one way ticket to view live disorienting feeds from another part of the world all in one. Lag is substantially evident every time the icon for taking pictures is pressed.

It would take a couple of milliseconds to perfectly capture an image and take things into the file. Unfortunately, expecting a more fruitful and fun episode of your kids playing or running with your dog will not be as dramatic as you expect it to be. Evening shots are otherwise grainy and blurry especially when lights don’t come out naturally beyond a background.

The Real Deal

Score is, Apple made their camera featured in such manner so that viewing and sharing can be made easier. Actually, compared to viewing and sharing systems of other phones, iPhones have indeed manifested one of the greatest system and all the while maintaining the sleekness. Apple focused on this last part rather than how a photograph would turn out to be. Photos taken from iPhones are easily accepted by websites.

Easy sharing of recent photos can be made possible because of this feature.

Not Just your Average iPhone Camera (part 1 of 2)

An iPhone is not just a gadget which can suffice your every means of surviving the crazy techno world and being regarded to as one of the pros. Even the simplest person can make the most out of an iPhone, especially when it comes to a more complex, yet sophisticated feature of an iPhone. And that is taking specific pictures with no worry of discarding it because of a blurred resolution or the lighting is just isn’t that convincing enough.

To better understand the quality of picture that the iPhone can take, consider these simple structures created for review. What this review offers is a sort of straightening out differences and particulars about the ups and downs of the device. But nevertheless, this article will give you a clearer view of the real deal out of the camera’s effectiveness in taking clear shots.

Quality is always demanded from providers of services. That is what Apple is trying to convey through their device. The greatness of the resolution and overall performance of the camera for sharing and viewing photographs taken may have some issues, most especially on the manner of taking the picture itself. Some seem to be confused by the complication it conveys, although some would beg to differ.

As a camera phone, Apple wasn’t that specific on how their phone’s camera would be like. Impressive isn’t really the term to be given when rating the phone’s camera. Some would even compare how stiff the phone is when it comes to capturing images, most especially, moving ones.

Monday, November 9, 2015

Creating A Strong Business Brand (part 2 of 2)
Type of Service

The entailing concept surrounding a brand name such as a logo, strapline, mission statement, or color scheme are all but abstract concepts. What establishes a brand as a concrete representation for your company and business is the experience that your customer has with your product or service. Therefore, you need to establish that relationship between your customer and the kind of service you bring to them as one aspect that will enable your brand to establish itself in the memory of your customer.

Indeed, perceived value of your company is a vital formula that would produce a strong business brand. It is not all about images but delivering to the emotional and physical needs of your customer will help reinforce your brand's campaign in the market.

Distinction From Competition

Although examining the type of brand that are utilized by your competitors will help you establish your own brand, you need to differentiate from them while exceeding them at the same time. Distinction must not only arise from the business name or logo itself, but in terms of the quality of service that you deliver. What can you offer that your competitors have not and cannot offer customers? Then, incorporate that into the creation of your brand so you will easily be able to capture customer's attention as to the possibility of doing business with you.

In a market that is flooded with several other businesses, making yourself unique and distinct from others is one way to establish the reputation of your business. Couple that with a passion for delivering topnotch customer and quality service, you are sure to establish a strong business brand that will help your company achieve its goals.

Creating A Strong Business Brand (part 1 of 2)

Creating a business brand is one thing, but creating a strong business brand is another. Therefore, every starting businessman needs to be aware of the fundamentals involved in creating a business brand that would enable your product to excel in the market. However, you must not be scared by this process; instead, try to enjoy the exercise of brand building and you will be able to build a brand that you can be proud of and your customers will love.

Focus on the Business

Before even thinking of a brand, think first of your business. After all, the brand is merely a representative of your business. So, you must refrain from focusing too much on developing an effective brand without giving attention to the business. Your brand must come as a result of your business, not the other way around.

Therefore, you need to come up with your band depending on the following factors:

*nature of business
*type of service to customers
*distinction from competitors

Nature of Business

One of the purpose of creating a brand is to communicate to the consumers what your company does. Therefore, take time to evaluate the nature of your business and the distinct attributes and images it tries to convey to the market. If possible, try to produce your brand according to the specific target market that you are aiming for your business. Is your business catering to mothers, young adults, or children? This will help establish the name and image for your business.

Once you increase awareness of your brand as a representative of your company's products or services, only then can you expect to experience increased sales. Therefore, creating a firm brand that will be easily remembered and distinct will enable you to create a loyal customer base.

Friday, November 6, 2015

How To Take Care Of Sewing Machine Used For Dressmaking (part 2 of 2)
2. Never use bad quality of threads. Although cheaper threads may help you save in the materials you will be using, it can be harmful to your sewing machine because it produces more lint that can damage the machine itself.

3. Take it slow when starting. People tend to get excited when they are sewing at a fast rate without realizing that this can damage the machine easily. When using the machine, always start slow to test the threading.

4. Change needles as often as possible. Since needles are always used when running a sewing machine, make sure that you check them regularly for any chips or blunt edges so it would not cause any damage to the machine.

5. Never forget to unplug the sewing machine when not in use. This will ensure not only your safety but also the money you will save from your electricity charges.

6. Ensure that the sewing machine is always lint-free. Lint—a result of the combination of threads and fabrics—is one of causes for a damaged sewing machine. You can remove lint by using special brushes that come with the sewing machine.

7. Keep the sewing machine oiled at all times. This will veer it away from rust and dust build up that can damage the machine.

8. Always ask for professional's expertise. Don’t try to fix sewing machine problems on your own especially if you don’t know what's wrong with it. Always seek for the electrician's expertise to avoid bring further damage to the machine.

How To Take Care Of Sewing Machine Used For Dressmaking (part 1 of 2)

In dressmaking, one of one of the major workhorses—aside from the sewer his or herself—is the sewing machine because it literally does all of the needlework. Unfortunately, not all sewers—especially those who are just starting with the craft—are not aware of the proper care and maintenance of this machine that lead to early damage of its parts.

Protecting the investment

The major care you can do for your sewing machine is to read the manual first before using it. This is because the manual will provide you all the information that you need without putting the machine into danger. Aside from providing you the information that you need, following instructions from the manual will also give you an assurance that the manufacturer will replace any damage in the machine.

Manuals usually come with the package once the unit has been purchased. Although reading manuals may seem boring, the information that one could get from this little complication would really help a lot in proper usage of the unit as well as how to properly take care of it so it would last longer.

Caring and maintenance

Complete and thorough information on usage, care and maintenance could be read on the manual. But, when you buy it, you can get some tips from the salesman or saleslady as well since they have researched on the product that they are selling.

Aside from referring to the manual, the following tips can also help you protect your investment by taking care of the machine.

1. Cleanliness is the best. Keeping the sewing machine clean after use for dressmaking is the best care tip of all the time. Since sewing machines are prone to dusts and other elements that are used during sewing, make it a habit to clean it regularly or every after use to ensure that there are unnecessary objects are left in the parts.

Monday, November 2, 2015

Proper Body Language During A Job Interview (part 2 of 2)

When responding, make use of your hands. Showing your palm when explaining something indicates that you are being relaxed, honest, and confident. The interviewer will think that you know what you are talking about. If you want to emphasize something, you can do it with a clenched fist; but this is not an advisable gesture during an interview.

You can show interest and that you are listening attentively to your interviewer through head movements. Nodding is a reinforcement that you understood or agreed to what he or she said. Even though there are ideas that you would like to oppose to, nodding is still preferable rather than arguing. The latter might be the reason why you cannot get the job.

Gestures You Must Avoid

Avoid putting your hands into your pockets. This can emphasize your nervousness, or can give your interviewer that you may be hiding something from him, or you are uninterested to get the job. You can use hand movements when talking, however do not use them frequently. Excess movements can distract your interviewer from listening to your responses.

Another gesture you must avoid is frequent eye movement. Avoiding the interviewer's eyes will make him think that you are not listening or getting bored and uninterested. This may also give the impression that you are the type of person who is easily distracted, a weakness that could make you unqualified for the job.

Better Safe Than Sorry

Body language does not necessarily show what you intend to convey or really feel. But it is an advantage that you know the gestures you must use or avoid during a job interview to give a good impression for the words that you long to hear: “Congratulations. You are hired!”

Proper Body Language During A Job Interview (part 1 of 2)

A job interview is very essential for both the employer and applicant for the very reason that it will be the basis of rejecting or accepting the applicant for the vacant job. Thus, as an applicant, it is relevant that he or she must be fully prepared for the job interview. You must remember that your employer or interviewer does not only consider the way you dress, your credentials, or even your answers to his questions. Your body language is also being well-observed.

Your body language can tell another person what kind of person you are, your emotions, and state of mind. An employer would be looking for a confident and competent employee. Thus, you should know and learn the posture to maintain, movements to impress, and gestures to avoid during the interview.

Postures You Must Maintain

Never slouch! Either in sitting or standing, slouching would give the impression of laziness or lack of confidence. Do not sit at the edge of the chair, this would mean that you are too nervous or tense. Simply relax into your chair, and place your hands on your lap. Crossing the legs is not really advisable, but nonetheless it is fine, as long as the direction of your body is towards the interviewer.

Movements To Impress

You can show your interest and confidence through handshakes, and you can give a good first impression as well. However, there are times wherein initiating the handshake would make you appear overconfident. When you shake hands, make sure you make eye contact, but not longer than three seconds. Your palm should be able to touch the palm of your interviewer. Extend your arm and point your hand downwards.

Eye contact is important in a job interview. This shows that you are honest, sincere, and confident. The lack of eye contact may mean that you are lying or being uncomfortable.