How Merchant Account Works (part 2 of 2)

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The electric request goes to a network.  There is processing network set up  to handle these requests.  This network handles the business of requesting funds from the customers’ bank or credit card  and them letting the merchant know that it is approved.

When the bank has already received the decision about the funds from the managements, it sends approval through the network.  An authorization code is electronically issued and passed through the network until it reaches your computer or the credit card terminal. If there is something wrong, you will be notified that the transaction has been declined. Amazingly, this whole process, thought it seems long, only takes a few seconds.

Customer receipts are issued when they already have the decision about the funds. Approved, the merchant’s terminal will print the receipt, or an electronic receipt will appear online for the customer to print out him or herself, if the transaction is completed via the Internet.

The transaction for the day is then settled and called the batch. This is something else that requires a request made electronically over the processing network. All the authorization codes are checked against the purchases and other transactions. Then the transactions are sent to the credit card companies and to the banks for final settlement before the cardholders' accounts are officially debited.

Batch funds are deposited into your acc ount. After the settlement, the funds will be directed to your account. However, this is a process that takes two or three days.

A good merchant account provider will bring together the elements needed to obtain  merchant status.  This allows the business to efficiently process the payments made by the customer and provide the customer the best customer experience.

How Merchant Account Works (part 1 of 2)

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Merchant accounts are similar to bank accounts.  With merchant account, businesses can accept payments made through credit cards and debit cards.  There are two kinds of merchant accounts:  over the counter merchant accounts and money  order merchant accounts.

Some people think that getting an approval when applying for a merchant account is difficult.  Accepting credit card payments is nor a costly, since there willl only be a small amount deducted when processing a credit card or  a transaction. Normally, merchant account  application can be processed within four hours.  Some business owners, based on their experience, advise that  if the processing of the application form last for more than two weeks, then it would be better to change to a new service provider.

Remember, that there are banks that requires the business owners who would like to have the service, fulfill a number of obligations before opening the account.  Some merchant service providers require that applicants have a checking account.  Sometimes, business licenses and certificates are also checked.

Additional requirements can also be demanded and checked by the account supplier.  For example, for corporations, the federal tax identification number is required.  While for a sole proprietor business owner, social security number is required.

If ever the merchant or business owner claimed to be bankrupt, the claim must be at least 90 days old before a merchant will be accepted  for some merchant accounts.  Also, all of the merchants or business owners must at least 18 years of age.

First, the payment is received by the merchant through the customers’ card.  This can be done with physical swipe process at the credit card terminal.  The customer can also enter the credit  card number when finishing or making a transaction through online payment software.

Knitting Instructions (part 2 of 2)

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To learn the purling which is an important stitch you have to follow the instructions. Bring the yarn in front of the needle and pull the right hand needle in the first loop, on the left needle, in the right to left direction. Passing the yarn around the back of the right needle, draw the loop backwards to allow the stitch to slip. But always keep in mind that the yarn should be in front of the work.

Once you master these two stitches, you can also try other stitches like the stockinet stitch, just follow some knitting instructions. To produce this you have to knit the first row, purl the second and work in this order. If you use a circular needles or a sock needle you can knit continuously.

Once you start practicing your knitting talents, you can even learn the increasing and decreasing method, or the methods of binding off, and to work even. These methods help you in creating variations in your knitting projects.

By following some simple knitting instructions, you can also learn weaving the stockinet stitch. Using a darning needle, join the ends of the piece. Draw the yarn in the first stitch on the upper piece, by inserting the needles from the wrong side. Then insert the needles from the right side of the lower piece in the first stitch.

By working in this manner you can weave the two pieces of the project using the stockinet stitch. Just make sure that you fasten your yarn before breaking off.
By using these knitting instructions you can create beautiful projects, by using simple stitches. Hence, along with some recreation you can also polish talents.

Knitting Instructions (part 1 of 2)

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Beginners who are interested in knitting should follow basic knitting instructions like practicing with light weight knitting needles and using light weight yarn. This will help you with your accuracy and evenness, which comes after practice. Knitting basically consists of interlocking series of loops, which gives the fabric elasticity.

As these stitches are the fundamentals of knitting it is necessary to master them. You can also try circular knitting by using three or more needles, but you can make circular knitting by using circular needles.

Learning the art of cast on, is one of the important knitting instructions. To make a strong cast on all you have to do is make a slip loop over your left needle, then pass the right needle through loop, from the left to the right direction. Take the yarn under and over the right needle, then pull the yarn through the loop and take it on the left needle, by pulling the left needles through the loop in the right to left direction. You can repeat these steps to get the desired number of stitches on your left needle.

Purl stitch and the knit stitch are two of the most important stitches required for knitting. The knitting instructions for the knit stitch are simple and easy to learn. After getting the desired amount of cast on stitches, you have to insert the right needle into the first loop on the left needle, in a left to right direction, with the yarn under and over the right needles.

Then draw the yarn and let the first stitch slip off, repeat the steps until no stitches remain on your left needles. To create the garter stitch, you have to repeat the plain knitting back and forth. This creates a work which is alike on both the sides.

Landscape Architect Liability Law (part 2 of 2)

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The Bambi theory of liability was originated in New Jersey which specifies that the landscape architects were liable to recoup the cost of landscaping lost to the most voracious herbivore, white tailed deer. This theory stresses that the landscape architect have a duty to advice their clients that deer are more likely to consume the expensive planting they specify to be planted on vast areas.

If the landscape architect fails to advice the client about this, the client can then have the right to recover the cost of landscaping lost. However this theory is not accepted by many people especially by the landscape architects and their lawyers. Hence a contract clause is included in this theory of liability.

The new landscape architect liability law specifies that as no plant is deer proof, the landscape architect is not liable to repay the owner the cost of landscaping lost due to deer damage. However the landscape architect would need to provide the list of landscape plants which are rated as resistance to deer damage. This helps the landscape architect prevent himself from any of the legal actions.

The landscape architect liability law suggests some professional liability of a landscape architect. Since a small omission or error can bring a legal action against the landscape architect, he\she needs to follow the professional liability strictly.

In fact the actual responsibility of a landscape architect is to preserve the natural resources and to design and plan for environmentally friendly projects. The landscape architect therefore requires fulfilling his responsibility as per the law.

Landscape Architect Liability Law (part 1 of 2)

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The lability law stresses that a person who wishes to be registered as a landscape architect must complete at least 18 years and should have a moral character. He\she needs to have passed a specified exam and must have obtained a professional degree in Landscape architecture. He\she must complete any of the following criteria to get legal registration to practice as a landscape architect:

* Complete at least 3 years of practical experience in an office or under a registered landscape architect.

* Complete specified type of internship which is accepted by the state board of landscape architect examiners.

Now there is an amendment in the law that the applicant who selects the first criteria requires to complete 3 years of practical experience in an office and under the registered landscape architect.

The landscape liability law specifies that certificate of authorization to offer landscape architecture services can be issued to the corporation only when the persons owning 50% of shares in that corporation and more than 50% of interests in the corporation are professional engineers, surveyors and landscape architects.

The landscape architect liability law allows the state board of landscape architects to establish fee to cover the cost for checks and other instruments returned by financial institutions due to insufficiency of funds.

The law eliminates the requirement that the board hold examinations for applicants to practice as a landscape architecture not less than once annually. It also eliminates the requirement to include architect’s place of business on the architect’s certificate of qualification.

Living Wills For Health Care (part 2 of 2)

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If you happen to be the type of person who prefers a shorter yet more comfortable life in the face of a terminal illness, you can certainly demand for it in your living will. So in case you become incapacitated and unable to communicate, your attending physicians and your family will no longer assume what you would have wanted since you've already outlined it for them.

2) Permanent Disability

Regrettably, some living wills fall short in addressing another main concern – permanent disability. It is a lot more difficult to arrive at any consensus as regards to this condition for two primary reasons.

First, the attending physicians and the health team may attempt to put in their own sets of values to a patient's care. While they may have the same opinion about withholding measures to sustain life in the case of a terminal illness, they may strongly contest the same action in patients with permanent disability.

The second reason is the existence of a wide assortment of chronic impairments. Because of this, people usually argue as regards to what constitutes an unbearable condition.

For instance, some may be terrified of a stroke that could result in the inability to communicate, while others may be scared of impaired mental capacity or permanent dependence. Simply said, the circumstances that could activate the application of a living will to permanent disability may vary on a case-to-case basis.

Needless to say, you – as the creator the living will – must determine the triggering circumstances. These conditions should be defined as explicitly as possible with reference to three main factors: type, severity, and irreversibility or permanence.

Terms like "impaired communication" or "loss of dignity" should be avoided since they may have different interpretations to different people.

Living wills for health care can indeed save the patient and his/her family a great deal of pain. They somehow offer answers that are often too difficult to decide on.

Aside from that, these legal documents provide a guarantee that the patient's wishes are implemented in the event of such painful and upsetting circumstances.

Living Wills For Health Care (part 1 of 2)

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The possibility of becoming terminally ill or debilitated is not something that is easy to ingest. A lot of people simply choose to brush it off as an improbable event. However, this risk shouldn’t be considered as a matter that is worth ignoring.

You should be prepared in such circumstances as early as possible. One of the valuable ways you could do that is through living wills for health care.

Living wills are legal documents that contain a person's specific wishes with regard to health care. These legally binding papers take effect in the event of severe illness and incapacity to convey preferences and make decisions about medical treatment and other life-sustaining measures.

The Triggering Circumstances

There are basically two broad situations in which advance directives in a living will may be valid: terminal illness, and permanent disability.

1) Terminal Illness

A terminal illness is a condition wherein death is anticipated within a fairly short span of time. More often than not, people dislike the idea of medical treatment for the sole purpose of sustaining life without restoring its quality.

While some families would deem this as acceptable, others simply consider it as prolonging the pain and suffering. Most living wills for health care deal with this kind of situation. Also, a lot of doctors would unhesitatingly respect the desires conveyed in the living will with regard to terminal care.

Picking Up the Right Magazine Publishing for You (part 2 of 2)

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News magazines – Articles that they brandish are usually written by journalists, editors and other subject experts, depending on the news and information that matters to the readers as of the moment. News magazines provide a more detailed account of stories, in contrast to the ones featured in newspapers. They provide their readership with a single source of reports, current events and other burning facts that really matter. News magazines are often published on a weekly or monthly basis.

Trade or professional magazines – Some of these magazines are not available to the general consumer. Trade or professional magazines are often directed towards managers, businessmen and others who are affiliated with trade and industry. Subscription is one way a magazine of this kind is distributed. This, partly, is to make sure that any form of advertising in the pages reaches the target readers. They are published weekly or monthly to make sure that the readership is kept updated with the changes in trade and industry.

Scholarly or academic magazines – They provide their readership with information in scientific and technical detail, often written by professors, scholars, specialists or researchers expert in different areas of knowledge. The aim of scholarly or academic magazines is to teach and provide information in various fields of study. Articles are written using technical or specialized vocabulary, accompanied by charts, graphs or tables. Information is disseminated in a serious approach, often in a manner resembling textbooks. It is published less frequently than any other magazine publication.

Any magazine publishing that you pick up will surely fit into any of the above categories. It helps to know into which category the magazine you like to read fits. It will help you easily locate the ones that cater to your interests in a large selection of magazines available.

Picking Up the Right Magazine Publishing for You (part 1 of 2)

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Bookstores and newsstands flaunt a vast array of magazines targeted towards an equally vast readership these days. Whether you are interested with celebrities, lifestyle, news or even scientific breakthroughs, a magazine publishing is surely available for you.

Regardless of the diversity of articles and features presented, magazines are generally categorized as general interest, sensational, news, trade or professional, and scholarly or academic magazines. Know which kind of magazine to pick up in the bookstores or newsstands that is right for you by getting to know more about each category.

General interest magazines – They are often tailored to suit much of what most of the consumers would like to see in their magazine. Magazines of this kind may focus on a singular subject throughout the entire publication, or may even cover many different ones in a single issue. The goal of general interest magazines it to try to get most of the readership slice by providing what really matters to them. They maintain their issues at a level that is easy to read. There are usually many photos and graphics in the pages. The main idea of a magazine that falls under the general interest kind is to entertain, endorse and sell products and promote readership viewpoints.

Sensational magazines – Often published thinner than most other magazines, but larger in size and almost looking like a newspaper, magazines of the sensational kind intend to create a stir or controversy. There are usually more printed pictures in here than written texts. They use loud headlines in huge font settings, often tackling features on controversial celebrities and other stories that are mostly shocking.

New Apps for Your iPhone (part 2 of 2)

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4. iOnce – Correspondence is already a part of your everyday life but for those individuals who store a lot of account information and correspond through online banking, email accounts, social networking, airline miles, internet gaming, dating, and many others, you will surely be amazed by this new app called iOnce. Through the program, you can access different websites and even online security is not a problem. You will also be able to get alerts if there are upcoming payables and you will also be able to manage postings, bids, or even alter itineraries. You can already find this app at the App Store. The app was created by Pageonce, an Israeli company.

5. World Racing GTS – lots of iPhone users are also gamers. This app is especially made for gamers and iPhone users. This is a car race game with 16 settings and 64 tracks. It has four play modes which include Single Race, Challenge Cup, Grand Tour, and Championship. The mobile features can be handled through the iPhone’s accelerometer for steering, acceleration, and braking. You can also ‘pause’ your game just in case you need to attend to something important.

iPod Touch users can also look forward to the amazing new apps. The apps are already available online and even in offline stores. If you want, you can choose among these five new apps so that you can now enjoy it through your iPhone.

Apple will remain competitive in the market because of the new apps it released. The younger generations will truly enjoy these amazing apps. Hurry and get the suitable app for your iPhone now.

It would be best to visit the site of the Apps Store of Apple so that you can easily access the new apps. Show your friends your iPhone now and share the new apps with them.

New Apps for Your iPhone (part 1 of 2)

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Apple has definitely hit the market. More and more people, especially the younger generations, are now purchasing the iPhone. Because of the increasing demands for the iPhone, Apple has released new apps to make the gadget more attractive and awesome.

Here are some of the new iPhone apps that you might want to look for:

1. iNotes – Are you familiar with Lotus iNotes? Well, isn’t it great that today’s iPhone allows you to have a ‘second memory’ at your own fingertips? Lotus Domino is now available through your iPhone through the services of IBM communications. The message server allows you to access your email, calendar, and contacts very easily.

2. ZRx Prescriber – Well, ordinary individuals don’t find this app of much importance. However, if you’re in the medical field or you’re a doctor, this app may be of good use to you. This prescription tool by ZoomMed is of great value to doctors and it is already available for the iPhone.

3. Travel Guides by Frommer – a lot of people want to take a vacation but oftentimes, they lack knowledge as to the best vacation destinations. This travel guide app by Frommer is available in the iPhone and it can help you with your vacation planning. It is like a tour guide found right inside your pockets. With the iPhone, you can now access travel info such as vacation reviews, recommendations, maps, and excellent locations. Just this year (2008), the first editions were already released which includes San Francisco, London, Paris, and New York.

Creating Powerful Message With A Potent Branding System (part 2 of 2)

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Steps Towards a Brand Strategy

If you want to arrive at a cost-efficient strategy, your first order of business is to get into the mind of your potential customers. This must be given much attention to when doing your market research. Gather as much information about your customer demographics that you can utilize in the development of your brand. But do not simply settle for that; instead, learn more about what factors would encourage them or prompt them to act on the impulse to heed the message being delivered by your brand. This is the part wherein you tailor your message based on what appeals to the emotional and physical needs of the consumers.

The word-of-mouth is one of the most effective yet cheap advertising tool that you can utilize within your company. Hence, you need to gather ideas on how you can produce a brand that will have people talk about it and convince others to respond to the message of your brand.

Internal Branding

In whatever type of brand strategy you employ, you must focus on remaining consistent with the overall vision and objectives of the company. This also helps build a stronger level of trust among your customers about the reputation of your company.

Therefore, you need to hire and develop people who understand the importance of the core values exhibited in the company's vision and objectives. Having people within your company who realize exactly what the brand wants to showcase to people, then you are more capable of producing a cohesive and consistent message to the market about what your brand is about. This will also help ensure that you can deliver the promises of the company as part of your branding system.

Creating Powerful Message With A Potent Branding System (part 1 of 2)

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Your Brand's Mission

The basic framework of an efficient branding system is a vision. Vision is translated into a brand and that brand is utilized in various communication methods to deliver a message to the market and the consumers. That is how the process works. But in reality, it is not as simple as it sounds or appear. There are several variables involved that could end up you sending the wrong message. Hence, you need to constantly evaluate the branding system you use to ensure that you are communicating your company's message effectively.

Every company nowadays desire to build a strong brand, because it is after all what helps one produce profits and build a loyal customer base. But what most companies often fail to realize is that brands are avenues to showcase the mission of the organization. Although some companies who fail to do this experience some level of commercial success, those who give much attention to utilizing their brand as a means to deliver their mission is one that is able to withstand the challenges and downturns of the marketing industry.

Purpose of Brand

You can exert your effort on the creation of a logo, name, or design for your company, but the essence behind them is what is truly important in every business branding system. It is not just one of these elements but rather a combination of them all. But how will the market be able to create that distinction about your company against other companies if you cannot foster it to deliver a message?

The brand holds immense power over your company since it is what customers utilize to create perceptions about the company which the brand represents. Therefore, branding is not something that is restricted to large scale companies and be given attention to, but it is basically for all levels of businesses.

How To Choose Fabrics Suitable For Dressmaking (part 2 of 2)

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Choosing fabrics for dressmaking

The most common fiber preferred for garments is cotton because of its strength, neat appearance, durability, and easiness to work on. Cotton is also preferred because it comes in so many colors, weights, weaves, patterns, and wider price range. Different types of cotton fabrics that are available depending on your preference include lawn, gauze, duck, flannel, muslin, gingham, matelasse, organdy, moire, pique, pima, poplin, plisse, swiss, seersucker, velveteen, and terry cloth.

Other popular types of natural fiber fabrics include linen perfect for humid climates, hemp which is great when combined with other types of fabrics, ramie which has similarities with linen except that it is more hairy, silk which is considered as "luxury fabric" because of its price, wool that is made from animal coats, and rayon or the "artificial silk".

Specialty hair fibers, man-made fiber fabrics, acetate and triacetate, acrylic, nylon, olefin, polyester, spandex, leathers and suedes, synthetic suedes, vinyls, and furs can also be used for specific sewing purposes.  When choosing fabrics for dressmaking, always consider its:

1. Price. The budget should be one of the major considerations when choosing fabrics for dressmaking. Since you are just starting, it is best not to spend more than you could afford. It is also best to buy in bulk so you can save some money.

2. Availability. If you are sewing clothes in bulk, it is best to choose a fabric that is widely available. In this case, you won't have to travel in places once that specific fabric ran out of stock.

3. Durability. For dressmaking, the strength and durability of the fabric should be of utmost consideration since this will be used for everyday wear, it is a must that the fabric you will use is durable enough to withstand human pressure.

How To Choose Fabrics Suitable For Dressmaking (part 1 of 2)

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The fabric to be used is one of the major determinants of a successful dressmaking project. This is because the fabric itself will make or break your project by telling you if you have chosen the right kind in your specific creation.

Most dressmakers would agree that knowing the right kind of fabric to be used for a specific project would require the knowledge about its different kinds. If you are just starting to sew and is quite hesitant about choosing fabrics, then now is the time to familiarize yourself with the different kinds of fabrics to be used in different creations.

Knowing the different types of fabric

For beginners in dressmaking, choosing fabrics is probably one of the hardest tasks because these can be overwhelmed with so many different kinds available. To avoid being confused and spend money on the wrong kind of fabric, take time to research on different types available in the market so you can identify which is the ideal or suitable type for the sewing project you have in mind.

Once you conduct a research on different kinds of fabric, you will learn that these kinds are based on the fiber content of the fabric. Fiber content refers to the components of the fabric that will make it suitable for a specific use. But among the so many sources of fiber contents out there, the natural fiber fabrics are most preferred for clothing. This is because these are made from materials that are inherent in nature such as coats from animals, cocoons of silkworms, and stems, leaves, and seeds of various plants and are considered hypoallergenic.

Proper Body Language During A Friendly Encounter (part 2 of 2)

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Gestures To Avoid

Avoid gestures that might offend the other party. Avoid rude hand and arms gestures such as placing your hands into the pocket or on the waist, crossing the arms across your chest, drumming your fingers, tapping your hand or foot, fidgeting with objects, inspecting your fingernails, and propping your chin onto your hands.

Also avoid turning or leaning your body away from the person. It shows that you are very eager to get out of the situation you are in. Watch your posture as well. Avoid slouching or a sluggish posture. It is interpreted as lack of interest or boredom.

As much as possible, do not break the eye contact and look at other objects or people. This is a sign  indicating that you are distracted or your attention is already somewhere else.

Show Interest

Show the other person that you are interested in your interaction or conversation by showing signs that you are a good listener. Maintain eye contact to show that your focus of attention is on that person and in your conversation. Lean towards him and nod your head from time to time.

Be Sensitive To His Body Language Too

In interacting with another person, observe his or her actions as well. He may be oblivious to his body movements, but he may be telling you that it is time to end the conversation. These are the kinds of people who find it rude to be the first one to end the conversation. Thus be sensitive when you are with other people; they might already be bored or annoyed.

Culture: An Important Factor

Consider also the culture of the person you are conversing with. There are countries with a very conservative culture, especially those in Asia. They may be very sensitive to the gestures you perform. Even if you do not intend showing rudeness to other people, you still have to be cautious of your actions.

Proper Body Language During A Friendly Encounter (part 1 of 2)

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When interacting with somebody you are acquainted with, you must learn how make a good impression. Your body language would speak much louder compared to the words you are saying. It is essential to be careful of one's actions towards another, since this may either strengthen the bond or ruin it due to offensive, rude manners and gestures.

Personal Space

Everyone of us has his own personal space. We must respect each one's personal space, otherwise it is an invasion of privacy. A person usually has a large personal space when around a person she does not know, but it will get smaller once he will get to know that person.

Greet With A Handshake

A handshake is always a nice way of greeting, whether in formal or casual circumstances. Show confidence and interest in the one you are greeting with a firm handshake. In shaking hands, it is important to make an eye contact and accompany it with a slight sincere smile. Make sure your hand is pointing downwards, since pointing the hand upward may indicate awkwardness and hesitation. See to it also that your palm will come in contact with the palm of the other person.

A handshake is also a safe method of greeting somebody. Some countries find other forms of greeting awkward and unacceptable, such as kissing and hugging.