You Can Work From Home Online – Change Your Life With Profits on the Internet
For most people, living paycheck to paycheck is a long term reality – which is fine, until that paycheck stops coming, or simply is not enough to cover the bills! Luckily – we have the incredible power of the internet available to us – all you need is the right direction…
The very best news is that there are more people than ever with a track record of success online. What’s even more exciting is that those same people are publishing all the details of what they have done, usually in the form of a blueprint, so that you can follow them. If you’re like me – your next question is “why would they do that?” – well, more on that in a minute…
Before that, let me address one of the biggest challenges facing the new internet entrepreneur. Chances are, you don’t have 40-50 free hours each week as you get started! In fact, chances are that you have kids, or a job, or 2 jobs – in fact, your life is probably pretty full exactly where you are already. I can relate to that – starting my current business, I am working 40-50 hours per week and sometimes away from home for days at a time. So trying to fit in a new business can get a little complicated! Whatever your situation – the good news is that you are not the first person to start an internet business like that – and you can absolutely be successful.
There are two things that set the internet business apart from a traditional business – and both of these work in your favour – use them in every way you can and this will catapult your results:
Firstly – the internet is 24/7 and global! Meaning that anything you do online keeps working for you all the time, automatically, whether you are working or not. Take this article for instance – I am actually writing it at 5am because our 3-year-old decided that was a good time to be out of bed this morning! It doesn’t matter what timezone I am in, or if anyone else is even awake – because this article will be posted on websites around the world over the coming weeks – and will keep working for me, whether I am awake or asleep. So – when you are struggling to find time to work your business – be creative about your schedule. I do a lot of advertising early in the morning, or late at night – I have no problem losing a few hours of sleep in return for years of financial freedom to come. This is what is known as leveraging your time with a system.
Secondly – and this is the great secret that all the successful internet entrepreneurs know – make sure you are bringing other people into your business! Remember – the fact that you have just learned these two secrets means you know more than someone just getting started – so you could mentor them. For your business – find yourself a mentor who has been successful in the way you would like to – if you want to make $50,000 per month – you don’t want a mentor or a system with no concept of how to do that! Just be sure that they are in a system that will give you step by step training to achieve your goals.
So why would all these successful people be prepared to teach you what they know? Simple – by showing you how to become successful, they become more successful. And as you build your team and teach others what you have learned, your checks will grow too. That’s the power of leveraging other people’s time in your business.
So – how do you get these easy profits? Use leverage! At every chance you get – leverage your own time and efforts massively and you will be amazed at the results!
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How To Significantly Reduce Payment Processing Costs By Converting Debit-Card Customers To Direct-Debit Payments
It seems that banks are constantly coming up with new ways for us to pay bills and withdraw money. First there were paper checks, then credit cards, then ATM cards, then debit cards linked to bank accounts, and now ACH electronic funds transfers. Of course, with each new payment method comes a new set of fees passed on to account holders and merchants. The smart merchant will weigh the pros and cons of each method with regards to safety, accountability, and processing cost, and then design her business practices to maximize profits without compromising customer service.
This article will help merchants do this by comparing two very similar payment methods-debit card charges and bank account ACH direct-debits. It will explain how switching customers who pay with debit-cards to direct-debit transactions can significantly reduce merchant processing costs.
What is a Debit Card?
A debit card is a bank issued card that allows its user to access the funds in his account to pay for merchandise or services. A debit card acts like a credit card, and is often associated with a credit card brand such as VISA or MasterCard, with the difference being that funds are immediately deducted from the cardholders checking or savings accounts when a purchase is made.
What is Direct-Debit?
Direct debit is an easy way to deduct a payment directly from a customer’s bank account. It uses the premise of a paper check but takes it to the next level with electronic funds transfer. With direct debit, the need to write paper checks is completely eliminated. Your customer simply gives you permission to take funds directly out of his checking or savings account and transfer them to yours. Direct-debit is typically used for auto-recurring billing of regular transactions, such as a monthly rent payment, so that written permission to transfer funds is needed only once and customers no longer need to write checks every month. But, it can also be used with an Online Payment Gateway to enable your customers to purchase your products or pay their bills directly from a checking or savings account instead of with a credit card or debit card.
What are the differences between a Debit Card transaction and a Direct-Debit transaction?
Debit card transactions and direct debit transactions are at their core the same-each authorizes a transfer of money directly from the cardholder’s account to the merchant’s account. And, from the consumer’s standpoint they are exactly the same.
From the merchant’s standpoint however, they are very different. The transactions are processed through different networks, and the payment processing charges differ significantly.
Debit card transactions require the merchant to obtain a credit card merchant account and often to sign a long-term contract and pay a fee to open the account. Debit card transactions are processed through the same network as credit card transactions, and funds are deposited, less a commission (known as the “discount rate”), into a merchant account. The discount rate for debit-card purchases is typically lower than for credit card purchases (This is because the bank is taking less of a risk with a debit-card that deducts funds immediately from a bank account than with a credit card.), however there are some merchant processors that do not extend this discount to their clients. Typically, 2-3% of the transaction plus a 30 cent inquiry fee will be deducted from a debit-card payment and the balance will be deposited into the merchant’s account.
Direct-debit transactions use the Automated Clearing House (ACH) network to move funds from one bank account to another. Thus, you can use your regular business checking account for Direct-Debit transactions. You will need to sign a contract with a company authorized to manage these ACH transactions, but there is typically no long-term commitment. You will pay a fee for each direct-debit transaction you process-but it is typically a flat-fee that is not dependant upon the size of the transaction. (There are some companies that do charge a percentage based fee for direct-debit transactions-you should avoid these processors!). This fee is typically less than $1 per transaction.
How much can merchants save with Direct-Debit Transactions?
Accepting direct-debit instead of debit-card transactions can generate significant savings for most transactions; with the rule of thumb being the larger the transaction amount the more the merchant saves. The following is a simple example using the PaySimple pricing structure:
Transaction Amount: $500
Cost to process via Debit Card (MOTO rate): $10.49 ($0.29 inquiry + 2.04% discount)
Cost to process via Direct-Debit: $0.55 flat
Total Savings per Transaction: $9.94
Total Monthly Savings (based on 250 transactions/month): $2,485.00
Are there Drawbacks to Direct-Debit transactions?
The largest drawback for merchants accepting direct-debit payments is that unlike debit-card payments, you will not immediately know if there are sufficient funds in the customer’s account to cover the charge. With a direct-debit, you will get NSF notification in 24 hours (far better than the weeks it typically takes for a paper check processed by the bank). This can be a significant concern for merchants who are providing goods or one-time services at the time of payment. But, in the majority of cases, 24 hour notification is sufficient.
Another concern is that customers will not be comfortable with giving a merchant direct access to their bank accounts. However, that is essentially what they are doing with a debit card transaction. The problem truly is one of education not of security or of process. Fortunately, that is an easy problem to solve. ElectronicPayments.org is a fantastic website that provides a wealth of customer education materials. Your payment processing company may also offer free marketing and educational literature that can be distributed to your customers.
The Bottom Line
Direct-debit transactions are just as safe as or safer than debit card transactions. Direct-debit and debit card funds are deducted immediately from customer accounts. Direct-debit transactions are just as simple to perform as debit card transactions, and both can be used for auto recurring payments, online payments, phone payments, and point-of-purchase payments. But, processing direct-debit transactions is significantly less costly for merchants than processing debit card transactions.
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The myriad things that necessitate computer services
Many people know how to work on a computer, but know precious little about computer services. That is, they might have basic Ms Office skills of using a word processor program or a spreadsheet program, sending emails with attachments, or saving files in marked folders. These skills are sufficient for many jobs and people may sail through successfully in life with this much computer knowledge.
Still, even for exercising that much of skill the right way, they need computer services providers who can give the right type of customer support. For a computer to be functional to do even that much works, so many parts of it have to work together in unison. For example, a simple thing like an optical mouse falling down and breaking open can bring things to a complete standstill. Nothing can be done without a mouse and you may not know how to reassemble it, or may not even understand whether it is in a state from which it can be assembled again. If you have a regular computer services arrangement in place, your problem would be instantly rectified.
Most of the companies that provide computer services provide round-the-clock customer support. So, they will have your mouse repaired instantly and if it is not repairable, will replace it. If part replacement is not in your agreement, you can buy a new mouse, but it will be more convenient to get a mouse home delivered than to go and buy one. Even on a holiday when buying a new one may be difficult, your computer services company, with which you have a good rapport, will provide you with a temporary one that could solve your immediate problem.
If you have the right onsite computer services at your beck and call, problems relating to a malfunctioning mouse, monitor, printer, keyboard, or scanner will be dealt with immediately in this manner. Other problems that may necessitate help are data protection in case of virus infection, or installation of antivirus software. Such a job may take some time, but will be managed very satisfactorily by service providers that give the right customer support.
Some sophisticated hackers give cheap antivirus software that might be malicious programs that harm the computer. computer services experts are easily able to identify these bogus anti-spyware stuff and remove them and prevent their future entry into the system altogether. In most cases they are also able to clean and recover the data that has been infected by virus.
For the right functioning of modem and router also, good computer services providers are necessary. Many people manage the installation of the router themselves. When the router is connected to the modem with cable, and the modem is switched on, the path becomes functional. But very often the router may not be secured and this will leave the network open for miscreants.
Troublemakers will be able to get their hands at the information that you send and receive and you will be oblivious of the fact. Your computer services provider will be easily able to spot the problem and secure the router for you. There are many more similar problems that the right services with good customer support will take care of.
For any type of computer services or upgrades in Sydney or any suburb, call PCSoft. PCSoft is one of the few computer support companies in Sydney that provides Same Day onsite PC repair and support services. Visit our site to make an online booking or call us now.
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Computer Home Business
When the conversation turned to cool businesses that one could work from home the topic turned to starting a home computer repair business.
As my wife and I have had many such chats over the years this one started out as just a routine brainstorming conversation. Then I Googled the idea and things changed.
I found out that up to 95% of all Windows computers currently online are plagued with data-mining, offline ad pop-ups, something called parasites, trojans, dialers, browser hijackers and lots of stuff even meaner sounding than viruses.
According to Earthlink, “the spyware and virus problems are getting worse instead of better. Problems with locked up computers are more common and over 225 million computers are infected.”
I decided to start a casual survey of my friends. I gave myself a very low key goal of 3 to 5 months to complete the project. I didn’t want to appear too pushy or obvious. All I asked was one question and the rest of my presentation took a natural course from that point.
My conversation would begin casually and end with….have you noticed your computer is acting funny?
Most often the response would be, “sort of. It takes longer to boot up and I get so many pop-ups even with a pop-up blocker, it makes me sick.”
My next strategy is to say, well the same thing was happening to me and just about all of my friends. I decided to buy a kit to clean out viruses, some nasty worms, and some stuff that’s hard to pronounce. I always get a laugh with that line. Then I continue.
“Most of the time I just charge for the program I use for each computer which is about 20 bucks. I’ll take a look at your’s some time, just let me know when.
8 times out of 10 I make an appointment on the spot. Even though I’ve only done this about a dozen times, I’ve banked $600. This mostly because I’m getting referrals, one of which was a small accountant’s office just before the tax season started.
I’ve always maintained a private coaching practice so the money is not the main idea behind my project. I wanted to see if what I read had any value. It appears to be a true opportunity that can only get bigger.
USA Today reported recently that, “By the turn of the millennium, unparalleled growth in computer and Internet usage resulted in a $300 billion computer service market, comparable in size only to the home improvement market!
This sector of the computer industry is now experiencing double-digit growth, and is projected to continue doing so for the foreseeable future.” This was based on industry studies by Ziff-Davis.
If I ever decide to retire from coaching, I’ll have no problem moving into a computer home business.
I recently found a great little company that has designed a complete home computer repair package. If you know how to setup an internet connection on your computer, and access the add/remove programs in the control panel, you can do this.
What’s even better about this is my personal experience indicates you can pocket a day’s pay in less than a day.
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The Benefits of haveing an Electronic Safe
Keeping valuables safe is a pressing issue for most families and businesses. Families have documents, jewelry, and heirlooms that are often irreplaceable. Keeping those valuables secure in an electronic safe, like a Sentry Safes, can bring peace of mind. Researching electronic safes and finding an electronic safe that matches your needs often offers reassurance to a small business owner as well. Defining your electronic safe needs is a helpful way to start your search for an electronic safe.
An Electronic safe is essentially a metal box designed to be a stronghold against unwanted tampering. An electronic safe is often designed to withstand natural disasters, such as fire or flood. Safes can have different types of locking mechanisms, but electronic safes have locking mechanisms that use electric current to work. The most common form of this type of electronic lock is a keypad. Electronic safes with keypads are now fairly commonly used in hotel security. Hotel rooms often have electronic safes in the closets or cabinets. You can program these electronic locks by resetting the numbers on the keypad. These electronic safes usually use four to six digit codes that can be easily reset by the next guest. The ease of resetting an electronic safe is one of its assets.
Underwriters Laboratories (UL) rates electronic safes on their fireproof abilities. An electronic safe should have a rating of at least UL Class 125 1 Hour. This means that the interior temperature of the safe must not be raised above 125 degrees Fahrenheit for thirty minutes when exposed to fire and extremely high temperatures. The electronic safe must maintain an interior humidity of 80% to receive this rating. Electronic safes must also be explosion and impact tested. You’ll want an electronic safe with this rating to ensure that the electronic safe can withstand exposure to fire and that if it is stolen, the electronic safe will be very difficult to break into.
Some electronic safes offer the option of being able to be bolted to the floor. Bolting an electronic safe to the floor inhibits the ability of the electronic safe to be stolen. If this option is important to you, look for an electronic safe that has the ability to be bolted to the floor. Choose the proper size of electronic safe that meets your needs. Many electronic safes offer interior shelves that can be positioned at many different levels. Some electronic safes offer interior compartments designed to meet your storage needs. Depository electronic safes offer the ability for money or other items to be “dropped” into the safe. These electronic safes are a good investment for a business involving a great deal of cash. Often, the employees of the store do not know the code for the electronic safe and while they are able to put money in, they cannot take anything out of the electronic safe.
Electronic safes are a good investment and enable you to secure your valuables in your home or business. Explore the various electronic safe options available and match an electronic safe with your needs.
For further information on electronic safes and information on Phoenix or Sentry Safes, check out iShopit.com
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The Future of Japanese Robotics
The Japanese has always been a keen bunch for the world of robotics. They are so engrossed in the robotics industry that they constantly introduce new kinds of hi-tech robots to the global market, while the rest of the world is struggling to keep up. In fact, robots are already taken for granted in some Japanese factories, as there are robots everywhere. Robots greet you when you enter facilities. Robots make sushi. Robots clean the floors. They wash your hands. They serve tea. They plant rice and tend paddies. In Japan, humans and robots interact socially as they routinely live side by side.
Financial statistics on robotics
The robotics revolution is extremely important for the Japanese. With approximately 25% of the population at age 65 and older, the country is banking heavily on robots to replenish the lack of manpower and care for the elderly. For almost a decade now, the Japanese government has funded a plethora of science projects involving the creation, design, and research of robots. These include a $50 million injection for the first phase of a humanoid robotics project, and an annual $10 million from 2006 to 2010 to develop key robotics technologies. Further, the government estimates the robotics industry will experience a very lofty rise from $5 billion in 2006 to $26 billion in 2010, and nearly $70 billion by 2025.
Robots are humans’ friends
Remember Tamagotchi, the handheld device that allows you to raise and take care of a virtual pet? That particular invention exemplifies how the Japanese view the existence or the need for robots. Unlike us westerners who portray robots as merciless and violent killing machines in the movies and in general science fiction, the Japanese have long seen robots as friendly helpers and catalysts in industrial dealings, as they work faster and more precise. The Japanese are also more accepting of robotics because unlike Roman Catholicism or Islam, their native Shinto religion does not view it as immoral. To the Japanese, the idea of a robot with feelings and mental capacity is not as threatening as it might be in other cultures.
Robot revolution
Other than the Japanese, a lot of people are anticipating the robot revolution, where robots would walk the streets, talk like human beings, and work like horses. That revolution has been going on quietly for quite some time now in Japan. With over 400,000 robots working at factories in 2005, Japan is undoubtedly an industrial robot powerhouse. In fact, the country’s leading financial experts believe that due to high supply and stable demand, the cost of machinery is already going down while labor costs are steadily rising. This means that robots would have to replace low-cost workers soon, thereby greatly boosting productivity. Further, Japan’s Trade Ministry recently announced its request for 1 million industrial robots to be installed all over the country by 2025. Each robot is said to be capable of replacing 10 low-cost employees. This means the guaranteed 1 million-robot army of workers will eventually represent 10 million human workers. In Japan, that is about 20% of the current work force. Indeed, robots are the cornerstone of Japan’s global competitiveness. GP
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LTO 4 Tape Technology Offers Increased Recording Capability and Economical Solutions
These days the I.T managers usually face the task of backing up massive amounts of information within backup windows. LTO3 tape is the most reliable and cost efficient medium for long term storage of your precious and critical data. LTO-4 tape technology has double the recording capacity than its predecessor LTO-3 media. The recording performance and advantages of LTO-4 ultrium technology are simply unparalleled. LTO-4 and LTO-3 tape formats deliver high class performance and cost efficient solutions in all demanding environments.
LTO4 tape format features advanced technologies and compelling attributes that are demanded by the modern data intensive environments. Native 400GB capacity found in the ultrium-3 tape standard has been raised by 100% in the next LTO4 tape format. This means that the LTO-4 tape cartridge can backup up to 800 Gigabytes of precious information. Transfer speed of the 4th generation ultrium tape has been doubled to 120 Mb/sec which was 80 Mb/s in the ultrium-3 tape technology. LTO-4 tape format adds more to its advantages and uniqueness by offering the AES-GCM encryption mechanism which helps the users to secure their recorded data at lowest cost. Both the LTO-3 and the LTO4 tape formats offer the advantageous and cost saving feature of backward compatibility. Therefore this feature enables the IT managers to restore information that was backed up in the LTO media tapes of prior generation. The LTO-4 tape drives can read data from the ultrium-2 tapes but cannot record data on to them. On the other hand they can read and write information to the ultrium-3 tapes.
Data throughput and performance level of the LTO-4 tape drives have been enhanced to deliver 50 percent faster transfer speed than the LTO-3 media technology. Encryption technology is the most reliable, economical and compelling of LTO-4 tape that has forced the enterprises to adopt the LTO-4 media tape standard. WORM is another very reliable mechanism available in both the LTO-4 and LTO3 ultrium tape technologies. The six generation roadmap of LTO ultrium format is well defined and specifically designed for growth, high performance, superior compatibility and scalability.
LTO-3 is a powerful and highly durable storage format that addresses the increasing demands and needs of the modern age enterprises in a cost efficient manner. It is the ideal tape technology which serves with its increased media durability and high cost efficient results in the server and enterprises class backup environments. LTO-3 data tapes provide industry leading performance with high speed recording capability and massive recording capacity. Data can be interchanged among the different versions of LTO tape media as they are backward compatible. LTO ultrium 3 is the ideal backup storage technology that protects the investment in enterprise environments. The modern enterprises and SMBs are seeking more economical, powerful and high capacity tape technologies that offer high density recording at a fast rate with low error rate. LTO-3 and the 4th generation LTO-4 ultrium meet all these requirements of the businesses and secure their valuable data and prevent data loss.
