Securing Merchant Accounts

In this fast paced world, business owners are tasked with the responsibility of looking for ways to continually improve how they trade. An important aspect of any business today is the ability to process all sorts of paying methods, most importantly credit cards. For your business to be able to accept card payments, you need to register a merchant account with the relevant service providers. However, not all businesses have it easy when it comes to securing merchant accounts. This is mostly due to their nature that makes them classified as ‘high risk’. In regards to merchant services, risk relates to charge-backs or customer disputes which are affected by the type of product or service offered, the countries the merchant trades, among other factors. Characteristics of a high risk payment processor
Every business is required to pay a certain fee to allow them process credit card payments. However, fees for an ‘allow-risk’ business are considerably low compared to that of a ‘high-risk’ business. Usually one has to pick a specialized payment processor, since not all processors accept high-risk merchants. Other than just the type of business, credit card processors will individually assess your business before determining how much fee you are to pay. It is also common for processors to demand that you have a merchant account reserve as some sort of insurance.
So why should you go ahead and become a high-risk merchant like
Having understood the features of high-risk processors, it may seem as an unnecessary hassle. That is however not always the case. High-risk payment processors could bring an advantage to your business. To begin with, there is the access to a larger market, that of credit card owners, which you did not have before. This is not just an opportunity to increase sales but a chance for an expansion to global markets through the internet. You can be able to trade with multiple countries and in multiple currencies unlike with low-risk merchants that may face some limitations to these.
High-risk merchants also need not to worry a lot about charge-backs as this is a risk already perceived by the card processor company. While it should not be tolerated, high-risk merchants are advantaged as they will be hardly terminated because of excess charge-backs or fraudulent transactions. They also in most scenarios practice the best security measures during transactions to minimize risk occurring. As a result the business is protected, so is the merchant provider and card owners (in case of theft).
The label ‘high-risk’ by credit card processors means that not all businesses are successful to acquire merchant accounts. This then means increased sales and profits for the few that are successful. But to be able to realize full benefits as a merchant, be completely honest with your processor pertaining the true nature of your business. Secondly, always stay prepared for the worst as things may not always work out as you intended. It is wise to maintain at least 2 active high-risk merchant accounts from different providers, just in case.
Finally, try to negotiate with your provider every 3 months, to have your rates, reserves and other contract terms made more favorable to you.

The need for commercial insurance

The term commercial insurance is a term that you are most likely to have come across. While it is a common term in the insurance industry, quite a considerable number of people are yet to comprehend what it truly is. So what is commercial insurance?

What is commercial insurance?

Commercial insurance is insurance that covers businesses from losses that may arise from injury to employees or damage to business property. Commercial insurance is often a general term that encompasses a lot of policies. It consists of policies such as employer’s liability, professional indemnity and public liability. These are the major covers. Different businesses may often need different covers depending on the risks each bear or legal requirements for operating in certain jurisdictions among other reasons. Besides the common covers at Procom Insurance Company, there are different more specialized covers of commercial insurance. These covers are stock insurance and business building insurance among others.

Why does a business need commercial insurance?

Businesses often need commercial insurance owing to the various risks each is prone to and the benefits of having one. Here are the common reasons why a business may need commercial insurance.

1. It is a legal requirement to have one.

Businesses operating in certain jurisdictions are required by law to have different covers. Different states have different cover requirements. Failure to have such covers is illegal and can have serious legal consequences.

2. Protects your business from losses.

Businesses are prone to different risks. In the unfortunate event that the risk occurs, the damages incurred can be quite costly and the ability of the business owner to cater for damages can be difficult. However, a commercial insurance protects you from such. In the event that the covered incident occurs, the insurer will pay for the damages incurred. The cover can also protect your employees from injuries that they may get while at work. Personally catering for treatment or the compensation can be quite costly but having a policy for them should prove useful in settling any settlements that may arise from injuries at work.

3. It improves the image of your business.

Having a commercial insurance can help boost your image. It shows the various stakeholders that you are safe bet. Their interests are safe when they get involved with you since they know you can compensate them in case of any losses or damages. Having a commercial insurance can also help you attract the best employees. This is because they know that by working in your firm then they will be covered against risks in the work place.

4. It ensures continuity.ln the event that a business incurs losses or damages from the various risks it is prone to, starting over can prove quite costly because of the costly losses and the capital needed for a fresh start. However, if the business was insured then the insurer will pay for losses which will enable a fresh start or pay enough to fix damages incurred.

Businesses often incur damages and losses from common risks. These can befall anyone hence it is vital to ensure that you have a policy that covers such risks that may often lead to damages and losses. Commercial insurance is ideal since it will ensure you are covered from most of these risks.

Dangers of a badly kept lawn

A well maintained lawn makes our homes look beautiful, adds value to our property as well as provides fresh air. However, while unkempt, a lawn can prove to be very risky or even deadly. It’s very important to keep your lawn well ,maintained.

Dangers of a badly kept lawn.

It’s a perfect habitat to snakes.

An unkempt lawn is home to rats, mice, frogs lizards and rodents of every kind. These are a great food source for snakes thus attracting both non-venomous and venomous snakes.

Snakes fear open spaces as they are exposed to their predators. They need a place to hide and a badly kept lawn don’t disappoint them. You are likely to encounter copperheads and rattlesnakes in your yard if your lawn is not well maintained by the experts at

Harbors pests.

A badly kept lawn provides conducive environment for pest infestation. You might find ticks in your lawn which transmit life-threatening diseases such as Rocky mountain spotted fever. They also transmit Lyme disease.

Fire ants are also found in these lawns and they cause allergic reactions. A badly kept lawn is also perfect for breeding mosquitoes which can transmit malaria as well as Dengue fever. You are likely to encounter various pests in your yard if your lawn is not mowed and each poses a health risk to your family.

Pet poop.

You expect the pets to mess around your lawn if it’s badly kept. Your dog’s feces may pose a great danger to your kids while playing in the yard as they may ingest the parasite’s eggs. This can result to intestinal worms such as round worms causing fever, diarrhea and loss of weight.

Your cat’s poop is especially very risky for pregnant women. It can transmit Toxoplasmosis causing blindness, hearing impairment and learning disabilities to the unborn. It can also cause fever and enlargement of the lymph nodes of the neck and the head to other people.

Deadly mushrooms.

Mushrooms spring up after the rains and the kids may not differentiate the poisonous from non-poisonous. This can be very dangerous and may warrant a trip to the hospital.

Spread fire fast.

A badly kept lawn speeds up a fire in case of a wayward lighting since there is no barrier between your home and the woods. This is common in drought prone areas where the lawn is long and dry. The fire spread like a wild fire and may cause you great damage and loss as it’s also very hard to extinguish it.

Makes mowing difficult and risky too.

An unkempt lawn poses risk to the lawn mower as you are not able to see clearly through the lawn. You can easily bump on to the rocks, debris and twigs harming yourself. The mowing machine can also get damaged causing you a loss. It’s also expensive and time consuming to mow a badly kept lawn.

Unhealthy environment.

A badly kept lawn tend to rot underneath as the tall grass fall on one another. This makes the yard smelly and unpleasant. The grass may not be able to absorb carbon and release oxygen efficiently.

For all the reasons listed above, it’s very imperative to mow your lawn regularly. It can be extremely dangerous and expensive to allow your lawn to overgrow and not well maintained.

Why do people use SEO

According to United Nations Agency that oversees international communication, estimates that there are over 3 billion users on internet. This makes SEO so relevant to businesses and thus they should invest more on the search engines optimization. There are various search engines the popular ones include; Google, Bing and Yahoo. It is important to note that for it to work, best SEO strategy should be implemented. Below are the reasons why businesses need SEO consultant agency online experts.


According to the report from the International Telecommunication Union (ITU), the number of internet users has increased from 723 million in the year 2000 to 3.2 billion in the year 2015. There are also over 3.5 billion searches a day, increasing the chances of your business to be found on the search engines. This thus makes SEO very effective in terms of advertising, because majority of the customers or rather consumers critically research before buying.


This means that the competitors are employing it. To compete with them favorably your business need to employ SEO. According to Regalix, it predicts rise in competition across the entire search engine. This means that in the near future if your business or company is not using SEO then your business will be performing way below average in terms of making profits.


SEO is effective this is in terms of the cost compared to the paid advertisements on either TVs or billboard. This is because you do not have to pay for the clicks available on the search engines.


Through SEO businesses can easily enter in a new market in the fastest and cheapest way possible. This happens when your website is optimized and then you begin to add other new keywords on the search engines.


Majority of internet users will use the search engines to search for solution, putting your business on a better place to be found by worthy consumers. There is also a higher probability of the traffic in the search engines to convert.


In SEO, a business does not need to pay to increase the traffic on the search engines. Also if your business has a strong SEO standing you don’t need to advertise on other platforms of advertisements. It is important to note that good strategy comes in handy in making sure that the SEO effectively works.


In normal circumstances it usually takes around 6-12 months to get optimal rankings. It also takes a longer time for it to move down the rankings. This means that it can serve the business for a longer time in terms of advertising its products and services.


Customers will use the search engines to see the available options on the product or the services they want to be offered. This makes them to make a final decision that is final and precise. Also SEOs that are highly ranked allows the business to educate their customers, this thus creates trust on the business. With the rise of online marketing SEO can be very effective and promising.

Quantifiable benefits of water softeners

Approximately 75 percent of American homes use hard water for their domestic needs. Hard water contains excess amounts of metals or minerals such as calcium and iron. The water is safe to use but it presents many problems especially in regard to the appliance and cleaning uses. Water softeners were developed to remove the excess minerals and metals. In other words, they work to restore a natural chemical balance in the water.

So, are there benefits of using a water softener? The answer is in the affirmative. Homeowners can reap many benefits from using a good quality water softener. Here are some of these benefits as shown by

1. Saves Money On Soaps And Detergents

Although you need to invest some money to buy a water softener, the investment is far less compared to what you would spend on soaps and detergents if you were to use hard water. With a softener, the soap will leather quickly and easily. This translates to faster and more efficient use of soap. With hard water, you could add several scoops of laundry soap into your top-load washer. Yet you will see no bubbles when the machine is agitating.

2. Easier and More Efficient Cleaning

White spots, soapy residues, and streaks are common on dishes and clothes washed with hard water. Softening gives water the ability to rinse soap residues and white spots more thoroughly. This will leave your clothing or utensils looking cleaner. Your skin and hair will also feel and look cleaner. There will be less soap scum on your sinks, bathtubs, and showers. This will leave them looking cleaner. They will also be easier to maintain since there will be little or no build-up of stain on these installations.

3. Cleaner Plumbing Installations

Plumbing systems exposed to hard water have scaly deposits on their walls. These deposits on pipes and plumbing fixtures may build up over time to clog and corrode these fixtures. Dealing with clogged pipes can be daunting. These deposits will reduce the lifespan or the plumbing installations leading to higher maintenance costs.

Water softening will reduce the minerals that build up in the plumbing systems to minimize corrosion and clogging. Besides extending the life of these installations, the soft water will ensure the plumbing system works efficiently.

4. Improves Lifespan Of Appliances

The minerals found in water are not inert. They react with metals and other materials used in the design of home appliances. Besides, the minerals can build up inside these machines and appliances to reduce their lifespan. Installing a water softener will extend the life of your washing machine, water heaters, dishwashers as well as other appliances in your home that use water.

5. Reduced Energy Bills

According to experts, hot water heaters tend to heat softened water much faster than hard water. Water softeners can improve the efficiency of electric water heaters by as much as 22 percent. They can improve the efficiency of gas water heaters by 29 percent. This will translate into your monthly utility bills thanks to lower energy consumption.

Bottom Line

You now see why you need to invest in a good water softener. These are the main benefits of using a water softener. However, there are more benefits. You will only realize them if you actually make the switch from hard water to soft water by installing a water softeners.

What Is a Secure Payment Gateway and Why Do I Need One?

You hear a lot of new buzzwords thrown around these days. Phrases like “secure payment gateway” are passed around, and it is simply assumed that you should know what it means and know why it’s important. But the average internet user doesn’t necessarily know what it is, even though they may know that, for whatever reason, it’s a good thing for the seller and merchant.

In these high and heady days of free access to all the information in the world, everybody takes shortcuts. People have come to terms with the fact that they must specialize; anyone who tries to know everything is going to burn themselves out in the process of trying, so people pick their specialties and, for everything else, rely on the expertise of others. But when it comes to secure payment gateways, it’s not that hard to grasp the basics, and it’s in everybody’s best interest to understand why they are important.

Two heads are better than one. Secure payment gateways have a big job ahead of them; they’re trying to make the internet a safe place to do business, and they need your help. That’s why it’s important for you to understand why methods to accept online payments need to be used safely and responsibly.

1. What is a secure payment gateway? You use payment gateways for websites to allow you to send and receive payments. They provide a secure relationship between the business, your card providers and banks.

2. Why do I need one? A payment gateway ensures that your financial information is transmitted securely to online merchants. When you use a secure payment gateway, the people you do business with don’t have direct access to your banking details, so you are at no risk of being defrauded.

3. Why does my business need one? Payment gateways allow you to receive payments under an extremely secure channel with compliant to the PCI DSS protocol. They reduce the business risk for you and give your potential customers the peace of mind to do business with you.

4. What is PCI DSS? PCI stands for Payment Card Industry, but when you hear the term “PCI compliance,” it refers to compliance with PCI DSS (Data Security Standard). PCI compliant payment gateways are ones that maintain a set of data controls and security measures designed to prevent credit card fraud.

5. Are payment gateways for websites easy to use? Payment gateways aren’t just about security. They allow you to save your payment information for quick and easy repeat checkouts, offer the ability to set up subscription payments at no extra cost and are designed to work with a wide range of third-party online shopping carts.

6. How much does it cost? Payment gateways are usually free to open an account, with only small fees for certain types of transactions. Many also include a robust resolution center that facilitates handling disputes with customers to minimize the potential for chargebacks.

For Businesses: Using payment gateways to accept online payments removes barriers and gives your clients a smooth the path towards the final sale. Providing your customers with the most convenient payment options can have a dramatic effect on the rate of completed online transactions and the growth of your online business.

What Makes the Fleck 5600sxt A Good Water Softener?

It can be quite a hassle when the water that is flowing along your pipelines is hard. When you say hard water, it means that it has picked up some ions of minerals, mostly calcium or magnesium. These mineraIs can pose quite a problem when the water used. For example, when washing clothes, hard water can cause residues to stick to the cloth. When this happens, you need an extra good scrub of soap to remove these residues on your clothes. Boiling water can also be a problem with hard water since it leaves mineral deposits at the bottom. These deposits can affect the efficiency of kettIes, pipes, and lines, as well as cause clogging and blockage.

These problems are the main reasons why a lot of water softeners are popping up. One of the most popular and is said to be one of the best is the Fleck 56005xt Digital Metered Water Softener.


The Fleck 5600sxt has a grain capacity of up to 48,000 and has a resin capacity of 1.5 cubic feet. The brine tank which is 15 x 17 x 33 inches in dimension can hold to up to 250 lbs. of salt peIIets. The water softener can run 20 gallons of per minutes. The equipment also comes with a digital monitor and touchpad controls that help operate the equipment easier.

Benefits of Using the Fleck 56005xt

The equipment is a pretty good find for its moderate price. It is not the greatest, but it is better than most. Why? Why is the Fleck 56005xt a good water softener? Well, there varied reasons as to why the item is a good find. Here are the top five:

1. Large capacity. The Fleck 56005xt accommodates 48,000-grain capacity and can soften 20 gallons of water per minute. This capacity is faster than most and is sufficient enough for most households. In fact, this capacity can already cater to small to medium houses. It also softens the most moderate up to very hard water, so you can practically use it on any hard water type you may have in your house.

2. Meter-regenerated. One of the hassles of using salt-based systems is that needs to regenerations. Some water softeners require you to do it manually and set it every time. However, the Fleck 56005xt does it automatically. You can just set it once and the system remembers the setting and does it for you automatically. This is another reason why is the Fleck 56005xt a good water softener.

3. Safety roat. One of the things that make the Fleck 56005xt stand out among the other comparable softeners is its safety roat mechanism. This mechanism makes sure that the tank does not overfiII, keeping you from worrying about any mess.

4. Ease of use. Another thing that makes the product a good water softener is the ease of use it provides through its digital monitor with touchpads. You don’t have to pull any Ievers or click any buttons. All the controls are conveniently packed into the digital monitor.

5. Warranty. When you purchase the Fleck 56005xt, you will get 5 years of warranty on the valves and 10 years on the tank. That is a long time. However, if handled carefully and kept weII-maintained, you can use the equipment for even longer.

Advantages of a portable standing desk

When we stand up, we take a lot of the pressure off our lower backs. Standing is a more natural position that the body was designed for. When you sit, decreased circulation is also a big problem for your overall health. When we sit too long, our lower body can get numb and sometimes painful. When you use a portable standing desk, you can stand while working which reduces the back stress, as well as increasing circulation and slightly increases your heart rate. The following are advantages of a portable standing desk made by the Deskview guys

You will live longer: It is a known scientific fact those people who stand up for longer times can live longer than those who work while seated. You will increase your life expectancy beyond your colleagues who live a purely sedentary lifestyle. This is in addition to the fact that you will avoid the physical consequences of sitting for long periods of time that creates lots of physical harm. You will not be allowing excess fats to stay in your liver, heart, brain and many other organs. You also get to improve your muscle tone, and you will not get exhausted easily. You will avoid being obese by this simple act of using a standing desk.

Calories: We all know that the more calories we burn, the more health challenges we avoid in our lives. This will be another benefit we get by switching from a sitting desk to an adjustable height desk. By burning more calories, you will not be accumulating any extra fat deposits. This is especially important for anyone who has been trying to cut excess weight. Studies indicate that while a person using a sitting desk will burn about 970 calories in a week, the same person will burn 1260 calories when using a portable standing desk

Overall health improvement: We are a generation that lives a sedentary lifestyle, and with it, we have inherited lots of lifestyle diseases; some of the most prevalent diseases includes diabetes, which is mainly as a result of obesity and being overweight. We all know that the best way to deal with these challenges is to improve our diet and get involved in some form of physical activity. You improve your chances of getting physically active by using a standing desk especially when you don’t get sufficient time to do any exercise.

Improved ergonomics: It is almost obvious to all of us that the sitting position is not natural and, as such, sitting for a long period is known to create some challenges including back, neck and shoulder aches. This is in addition to headaches, leg pain, and cramps as well as issues to do with poor vision. Since most of us are not able to stand for an entire day, using as a standing desk is the best way to oscillate between the sitting and standing positions. Aportable standing desk is a perfect ergonomic desk, and it will help to improve your skeletal health as well as helping to improve interaction with your colleagues. You can comfortably use a standing desk at work, in your home office or even as a student since it will improve your life.

Factors in picking the perfect beard trimmer

There are many beard trimmers out there with different designs and features. With the current development in technology, it is hard to pick one for your personal use. If visiting the barbershop is no option, at some point you will have to pick the best beard trimmer for your needs.

Men have different preferences when it comes to shaving and trimming their beard. This is why there is no simple way to point out which trimmer is best. Instead, let us look at some of the things to consider before buying your next trimmer from this list at

Design/ Make

There are usually two designs to choose from: cordless and corded devices. Cordless trimmers use chargeable battery packs. Corded trimmers on the other hand need a power outlet to operate.

There is not much difference between the two designs. However, the most significant thing to note is that you can use the cordless one from anywhere, including in the shower.

Another thing is that cordless ones are much easier to clean than traditional corded trimmers. This is because the user is able to dismantle the blades completely without damaging them.

Cutting mechanism/ blades

A lot of people overlook this feature but it is the most important of them all. It is easy to miss this part with our purchases because most of them come in closed boxes.

Before you buy the trimmer, take it out of the box, unwrap and look at the blades. Thick blades do not remove hair completely. So, you have to find a pair of thin blades. There is no option of thick and thin blades; you have to look at them yourself.

One other thing to look at is the alignment of the two pieces. In some designs you will find that the upper blade is placed skew in relation to the lower one. That does not necessarily mean the trimmer is fake. It means it will work better on one side. So, look for blades that lie perfectly on top of one another.

Modern Features

Trimmers have evolved significantly over the past years. They still serve the same purpose but with slight improvements. One modern feature you may find interesting is the Lift-Trim system.

This is a comb similar to the normal ones that usually come with the trimmer. However, it is designed in a way that allows the user to cut off more hair than usual.

The front part is shaped to lift the hair upward as the trimmer comes through. The bottom part works exactly like the usual pieces: it straightens out the hair to make sure the trimmer passes smoothly.

This is not a piece you can buy separately because it is designed to fit selected trimmers. You will only get a hold of if you buy a trimmer that comes with it.

There are other modern features to appreciate in this revolution of trimmers. Others come with adjustable blade length settings, while others can adapt to different voltages. Consider these pointers when trying to find the best beard trimmer, you may just find the one that best suits you.

Changing your address with USPS

There can be a need for you to change your address with the US Postal Service. Unfortunately, some people do not know the procedure of doing this. The following is a quick guide on how to change your address with USPS or through a service such as

First, you are required to fill out a change of address form. You can do this at a local post office or online, or mail the downloaded form to a local post office. The online option is the easiest; you need to use a debit or credit card. For verification purpose, your card will be charged one dollar verification fee that is non-refundable. This fee protects you from fraud as explained by postal service. The USPS confirms that the information on the debit or credit card is same to the one provided in the address. Similar information ascertains that you are a genuine person who seeks to change the address and not a thief.

You will be required to provide information on whether the change is temporary or permanent as well as when they should start forwarding the mails to the new address. For USPS to start forwarding mails to your new address, you need to fill out the form seven to ten days advance. After changing the address, the first mail should be forwarded in less than three months.

You will indicate whether the changing of the address is on behalf of a business, family or an individual. Complete address change process for every name in case you receive a mail under several names. Family members with similar last name will fill out one form.

Go Beyond Postal Service

You should notify those who have issued you with documents like credit cards banks and your service providers about the address change. You need to tell your service providers where you are since the mail forwarding is only done for a year. This ensures that they can track and reach you in case a need arises. Maintaining up to date physical address is crucial because you will periodically receive important account information and updates from Credit Card Company. Service providers and creditors have different rules about the time you should inform them of the change of address. You still need to notify your credit card company and the bank about your change of address even if you are an online banking user and do not receive financial statements in your mail.

You can receive mails at your current address using three options that are provided by USPS; they include: Filling out address change form, this enables the first class mails sent to your initial address to be forwarded to the current one. This is only valid for a year. Thereafter, mails sent to the old address will be returned to those who sent them.

There is a premium forwarding service that you will sign up and temporarily receive mails forwarded to you. The enrollment fee is fifteen dollars and additional seventeen dollars for each week you receive a forwarded mail.

In case you relocate to a new town and lack a permanent address, General-Delivery-Service is suitable for you.