From: http://mm.vvling.com/meinv/
Date: 1/8/2006
Time: 5:48:23 PM
Remote Name: 61.144.129.169
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From: Nowshade Kabir
Date: 7/4/2005
Time: 6:43:04 AM
Remote Name: 62.5.207.210
Once you decide which products you are planning to sell on the Internet, and what type of web store you are going to use in order to display your products, next vital decision that you have to take is to figure out how your customers are going to pay you. Whatever you plan to sell online, accepting credit card transaction is a must! A full 90 percent of all online sales occur through credit card payments. There are two ways you can add e-commerce capabilities to your website: 1. Having your own merchant account 2. Using third party processors What is a merchant account? A merchant account is a special kind of bank account where funds received from credit card transactions are first routed to the special account and held there before being remitted to your business account. You as an online merchant will need an account called “Card Not Present Merchant Account”. Having the merchant account is, actually, the first step in processing credit cards online. You will also need a payment gateway. A payment gateway is a service provided by billing processor which allows real time authorization of online transactions. The payment gateway you choose to work with has to be compatible with your shopping cart. Three top payment Gateway providers are AuthorizeNet (http://www.authorizenet.com/ Verisign (http://www.verisign.com/ and USAePay (http://www.usaepay.com/ All payment gateway providers have their own merchant solutions. Most banks, today, work with partner payment gateway providers and are fully capable of furnishing with a merchant solution. If you are just starting an online business and you don’t think that your sales will generate more than a thousand dollars a month, you will be better of with a third party processor. However, once your sales become a few thousand you will save a bundle by switching to a merchant account. PayPal With 72 million accounts worldwide and payment volume which is growing at a rate of 44 percent each year, PayPal by far is the most popular third party processor on the Internet. PayPal is a simple and affordable payment solution for those online merchants who are unable to or don’t want to go through the complex process of setting up a bank merchant account. At present, PayPal has four unique solutions for merchants. PayPal Website Payments Standard: This solution allows you to accept credit cards on your website. However, the transaction is processed on the PayPal secure server. The customer can choose to pay either by credit card or PayPal. If you don’t have shopping cart as yet, you may get one from PayPal; or you can integrate PayPal solution to your existing shopping cart. Cost: No monthly fee. No setup fees. No cancellation fees. Transaction Fees are 1.9% to 2.9% + $0.30 US$. PayPal Website Payments Pro: This solution is virtually same as having your own merchant account. If a customer pays by a credit card, PayPal works as a payment gateway for you. The customer does not leave your website at anytime if she pays you by a credit card. Cost: $20.00 US$ monthly fee. No setup fees. No cancellation fees. Transaction Fees are 2.2% to 2.9% + $0.30 US$. PayPal Email Payments: This is the payment system PayPal started with. You send invoice to your customers by email and get paid on PayPal. Cost: No monthly fee. No setup fees. No cancellation fees. Transaction Fees are 1.9% to 2.9% + $0.30 US$. PayPal as an Additional Payment Option: If you already have a merchant account and you would like to add PayPal to your existing payment solutions, you can use this option. If you are planning to sell products through eBay, you definitely should have PayPal option. According to eBay, three out of four eBay customers choose to pay by PayPal. When you use PayPal as your primary processor, make sure that you have at least one more alternative payment solution handy. The reason is many disgruntled former users of PayPal claim that PayPal might freeze your account anytime without any apparent reason. Read http://www.PayPalsucks.com for more information. However, According to a new report, Merchant losses from fraud on PayPal are now only 0.17% of revenues, vs. 1.8% for online merchants that accept credit cards through merchant accounts. This gives one more reason to use PayPal. WorldPay If you are facing problems to get a merchant account due to the factor that you are not located in the US, WorldPay could be the solution for you. WorldPay is a one-stop solution for your merchant account, payment gateway and store front. The payment option comes with fraud protection and risk management applications to safeguard your business. Based in England, WorldPay is a division of Royal Bank of Scotland. Cost: If you compare with PayPal, WorldPay’s fees are pretty stiff. 50 US$ monthly fee. 400 US$ setup fee. Transaction Fees are 3.25% + $0.40 US$. The charge for multicurrency processing is 5.25% per transaction. 2Checkout 2checkout.com works as an online distribution center. When customer buys a product from your website through 2checkout, you actually make your sale to 2checkout for immediate resale to your customer. Customers are billed by 2checkout not you. 2checkout accepts vendors from virtually all over the world. You can also set up recurring billing through 2checkout. Cost: No monthly fee. 49 US$ setup fee. Transaction Fee: 5.5% + $0.30 US$. ClickBank For selling e-books, reports and other similar digital products, ClickBank.com is probably your best option. The great thing about ClickBank is it has over 100 thousand affiliates promoting products available on the ClickBank marketplace. By listing your product with ClickBank, you automatically tap into a huge potential market. ClickBank accepts all major credit cards and PayPal. Cost: 50 US$ set up fee. Depending on the percentage of the commission you pay to your affiliates, transaction fee varies from 2.5% plus 0.33 US$ to 7.5% plus 1 US$. There are many other third party processing companies available on the Internet. Two of them worth mentioning are http://moneybookers.com and http://www.ikobo.com Since fees fluctuate considerably from one solution to another depending on your location, products and other needs, make sure to do a thorough research before signing up with any of the mentioned providers. About the author Nowshade Kabir, is the founder, primary developer and present CEO of Rusbiz.com – a Global B2B Exchange with solutions to create e-catalog, Web store, business process management and other features to run a business online. You can read various articles written by Nowshade Kabir at http://ezine.rusbiz.com .
From: Janet L. Hall
Date: 10/1/2002
Time: 2:14:59 AM
Remote Name: 216.187.213.159
I know exactly when I started falling apart, not mentally but overloaded with commitments and deadlines I knew I could make. But then suddenly, surgery was to be performed again, on Valentine's Day.
I've never hidden the fact that I'm just like you. I'm not perfect and I'm not super human just because my profession is as a professional organizer.
We all have things come into our lives, or out of, usually unexpectedly. We all have emergencies or things that come up that just have to be completed. We all have someone or something needing our attention. This is you, this is me, and this is life!
Many times clients call when their systems have broken down, if they even had systems. But many call because their world has fallen off its axis, leaving them and their world spinning out of control…out of balance.
If they completely ignore the situation or don't know how to get their world back into balance - into sync - the way it use to be, they will become overpowered by all the stuff in their lives.
The daily errands of driving here and there for: >>Appointments >>Children >>Special events >>Meetings >>School functions >>Banking >>Food shopping >>Shopping >>Work seem to make you drive like a maniac down the street, racing and rushing from one place to another. And even forgetting to stop at some places.
The daily activities one usually finds in a home of: >>Processing the mail >>Answering the phone >>Returning calls >>Reading email >>Replying to email >>Cooking >>Cleaning >>Playing with the children or pets >>Bathing the children or pets >>Watering the plants >>Reading >>Being a buffer makes you just want to throw up your hands and turn and run.
And what about the unexpected? >>Illness >>Visitors >>Spouse laid-off from job >>Someone moving in or out >>Computer problems >>A friend needing your ear, shoulder, and comfort >>A client or boss needing it NOW, instead of next week >>A child with special needs >>A child with needs >>Travel for your job >>Training for your job >>An accident just makes you want to SCREAM that you have no time or patience for all this!
Your world has just exploded! What can you do about it?
On Valentine's Day my world exploded when I was told I would have to endure yet another breast surgery. I was working on my book, "Secrets of a Professional Organizer and How-To Become One," and the deadline was the end of February. And worse yet, we get short-changed a couple of days in February! WHO did that? Who thought this up?
Just three days after surgery and between work, clients, writing, and running a home I had to prepare to leave for Florida for 13 days to work with a client and attend school at the beginning of March. WHEW, makes me tired just thinking back on all this.
In Florida I stayed with a girlfriend, and had the guest/storage room with some closet space, one drawer, and a small desk.
My journey into piles began. Things started living in piles: >>On the floor >>On top of my suitcases >>On the bed >>On the dresser >>On the chair and desk.
I had all my toilettes sitting out around the sink, carefully placed (but crowded together) so I wouldn't break anything or, God forbid, something fall into the toilet!
While in Florida I was so busy I really didn't get to work on any of my "normal" to-dos. I had so many new to-dos' there!
I went to school from 7 AM until 6 or 7 PM, grabbed something to eat and started working with my client, sometimes until midnight, once until 2:30 AM. (I was helping my friend "client", where I was staying, redo her whole web site and teach her computer stuff.)
When I returned home to Maryland, all the mail, all the errands, all my clients, and all my self-imposed deadlines and other's deadlines were waiting for me.
I unpacked (although I still have a couple of files in my computer case I need to get out and put away) and started making a pile here and a pile there. Some in the kitchen, some in the living room, some in the bedroom, and some really big piles in my office!
I didn't even touch the mail for the first three days. I didn't want to look at or deal with mail or the bills. I wanted to start spring-cleaning. All my clothes needed washed, dried, and put away.
As I looked around, all I could think was, "I'm becoming my clients. No time to think about this now. I have to finish my book, create CD labels, burn 100 CD's and put labels on them. Oh MY GOD! I forgot to order the blank CD's and labels before I left for Florida. I need them today. Okay, I'll just call and order today and get them shipped overnight. I still have to write the newsletter, return phone calls, reply to emails, and oh, I just want some really good sleep!"
The shipment came, as promised, the next day. I ripped open the boxes, got everything out and started working, leaving the packing material and boxes lie, wherever… See Janet's Messy Office
I'm writing, researching, and tossing books here and there. I didn't care at that point. I thought, "I have great systems in place so when all this is over I can easily get everything back into shape, put stuff where it belongs, and get my world back into balance.
And so I have. After finishing the book, labels, CD's, returning calls and emails, and still working with clients I tackled my office. It took me just two hours to get everything in place and put away because I have a sorting and de-cluttering system, "The 5 W's of Organizing, a TEASER, and a TICKLE". And it works! See Janet's Clean Office.
We all have our own ups and downs in life; life happens. We each ride the waves from the same Universe.
When everything is going 'just right,' we are riding our up waves; sometimes not even paying attention to our good 'fortune.'
When things are going wrong we feel we are being slapped silly by the waves; causing us to tumble, crash, and sink to the bottom and depths of darkness, and asking ourselves, "What did I ever do to deserve this?"
But what goes down MUST come back up!
So what can you do to help get your world back into balance, and make your down waves less powerful?
Start by getting organized. >>Create or find a common 'home' or zone for your things to live. >>KNOW what to do with your stuff (do you really need or when will you use?) >>Have systems and procedures in place.
Knowing where things "live" and how things are handled can sure make life a little easier for those 'off balance' days that we all experience.
Now I really must go. I still have to get out the newsletter, send out products, send out speaking materials, get ready for two presentations, do my taxes, take a test, read ten new books, and, oh yeah, plant some pansies in the garden and pick some asparagus.
Aha! Life is finally back to normal.
Smiles, not Piles, For additional help: The Organizing and Feng Shui Wizard, Janet L. Hall, FSII has a FREE newsletter, OverHall IT! at http://www.overhall.com/newsletter.htm and many organizational products for your office, home, and computer at http://www.overhall.com/products.htm Janet is a Professional Organizer, Certified Feng Shui Practitioner, Speaker, and Author and can help you regain control of your life, your time, your stuff, and your environment.
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