Stuart Rubin’s real estate development advices

Stuart Rubin’s real estate development recommendations? Draining your savings. Spending all or most of their savings on the down payment and closing costs is one of the biggest first-time homebuyer mistakes, says Ed Conarchy, a mortgage planner and investment adviser at Cherry Creek Mortgage in Gurnee, Illinois. “Some people scrape all their money together to make the 20 percent down payment so they don’t have to pay for mortgage insurance, but they are picking the wrong poison because they are left with no savings at all,” Conarchy says. How this affects you: Homebuyers who put 20 percent or more down don’t have to pay for mortgage insurance when getting a conventional mortgage. That’s usually translated into substantial savings on the monthly mortgage payment. But it’s not worth the risk of living on the edge, Conarchy says. What to do instead: Aim to have three to six months of living expenses in an emergency fund. Paying mortgage insurance isn’t ideal, but depleting your emergency or retirement savings to make a large down payment is riskier.

This is a very necessary process, used to ensure that your new home is free from defects that could potentially cost you thousands of dollars later to repair. Home inspections will often reveal problems that you can have the seller correct before agreeing to purchase the home. This is known as a contingency. Most offers are usually contingent offers. This means, that the offer is contingent on another factor, such as a favorable home inspection or the ability to obtain insurance. In general, contingencies are safeguards for both buyers and sellers, but should not be overdone. In addition, it is important to meet all deadlines and that all contingencies are met exactly the way the offer describes. Your agent is responsible for making sure contingencies are written correctly.

Are you wondering: How much mortgage can I afford? In some markets, you better be able to pay for a big one, or you’ll be shut out. Fortunately, there are tricks you can use to increase the size of your answer when you ask yourself how much mortgage you can afford. Those are often overlooked but totally legit steps. Here’s what you’re up against. In the fourth quarter, monthly base payments for single-family existing homes ranged from $1,430 to $5,946. That was based on median purchase prices in the 25 most expensive U.S. metropolitan markets, according to HSH.com. Monthly base payments consist of the principal, interest, taxes and insurance (PITI) that comprise typical mortgage payments.

Stuart Rubin data: Stuart also serves as a talent leader for Deloitte’s Risk & Financial Advisory consumer industry practice. This includes programming and sponsorship designed to attract, retain, develop, and advance a diverse workforce and strengthening our inclusive culture where all our people can connect, belong, and grow. Stuart Rubin regularly presents at the Institute of Internal Auditors (IIA), Information Systems Audit and Control Association (ISACA), and accounting industry conferences on emerging trends in the assurance, internal audit, and security/privacy spaces.

He is the National leader for Deloitte’s Controls Advisory practice, incorporating emerging technologies like RPA, cognitive, and analytic visualizations to deploy scalable, tech-enabled, automated controls and compliance solutions that deliver meaningful business outcomes, generate higher ROI and lower Total Cost of Compliance (TCC) when compared to traditional control design, monitoring, and testing.

Stuart Rubin, can very well be dubbed a real estate expert. He enjoys his work, and his interest in real estate development is the secret to his success. The bank was publically traded, and all shareholders were proud of the disposition and the financial solvency of the bank at the time of the sale. Mr. Rubin has served on the board of Hebrew Union College, Vista Del Mar, and the L+R Group of Companies. See extra information at Stuart Rubin.

By Real Estate

Top Wish coupon codes 2020

Wish free shipping codes July 2020? Vouchers industry is huge. Any product on the planet can be acquired at half price if you wait for the right voucher. When a store issues promotional codes, they’re providing customers with an incentive to buy, which benefits both the customer and the business. Customers get the products they want for a lower price, and the ecommerce store generates revenue. One of the most useful things about promotional codes is that they work well with both new and returning customers. These incentives even have a direct impact on the overall shopping experience, according to research conducted by the Center for Neuroeconomics Studies at Claremont Graduate University.

Offering everything from rotisserie chicken to chicken pot pie to Thanksgiving turkeys to frozen meals you can prepare at home, Boston Market is feeding millions of Americans each year at more than 450 restaurants and through your local supermarket. It reportedly offers a discount to those 65 or older at most of its locations. Check your local Boston Market to see what discount, if any, is available to you.

Coupons and codes have always been popular with customers, but they get a bad rap with retailers. That’s because some promotional campaigns have been run without planning or segmentation – which leads to disappointing results, and damages the brand’s image. Despite the many benefits of sharing promotional codes, a poorly run campaign can be risky. You can use a promotion app to set clear rules and limits for your promotion. You can target a specific audience, cap the number of participants, and close the promotion after a certain amount of time. This makes the promotion more exclusive – and therefore, more effective. And you can ask participants to share contact details, feedback and more in exchange for the promotion, adding even more value to your campaign. Design and target promotions for your users on Facebook, Instagram, Twitter, and YouTube. You can increase the power and reach of your campaign by tailoring it to each specific channel. Don’t forget that you can segment your audience even further, by announcing the promotion with posts from Facebook Ads. Just as a bad promotion can damage your image, a good promotion will attract more followers to your social media and burnish your online reputation. Discover more info on Wish Promo Codes For Existing Customers.

Many people can appreciate saving a bit of money. Many business owners recognize that senior citizens do not always have the flexible spending options that those who are younger have. They still want your business. As a result, they may offer a discount or a small savings for using their service. Senior discounts range widely. Senior discounts can apply to everything from medical alert systems to internet service. There is no legal requirement for any location to offer them. However, many don’t advertise them thoroughly. Ask about them whenever you visit an establishment. It could save you a significant amount of money quickly. Golden Corral: Ask for a discount here. They vary from one location to the next, but are often discounted meal prices. Denny’s: For a deep savings on meals, visit this location. Many offer up to 15 percent off. AARP members could get a lower price significantly. Outback: Outback’s senior discount is for AARP members. They can save up to 10 percent on their purchase here. Taco Bell: Most Taco Bell locations provide individuals with a discount of five percent off their meal. Most also provide free beverages to seniors when requested. Burger King: Seniors may be able to get a 10 percent discount plus additional discounts on drinks at Burger King.

United Airlines: United offers discounted prices for flights for seniors over 65. Seniors need to select the Over 65 category when purchasing tickets online or with a customer service agent. Discounts vary depending on the flight and location. Delta: Senior discounts are available for limited itineraries with Delta Air Lines. However, you must call 1-800-221-1212 to find out if your flight is eligible for the discounted fare. You will not be able to purchase your tickets online and receive the senior discount. Jetblue: Does not offer senior discounts due to the already discounted ticket prices for all ages. The airline does state it supports the military including retired military veterans, so you can contact 1-800-538-2583 (JETBLUE) to request information about possible discounts. Greyhound: Seniors over 62 can receive 5 percent off of Greyhound bus tickets. You do need to provide a photo ID for eligibility.

Coupons market is big. Any product on the planet can be acquired at a very reduced price if you wait for the right coupon code. The discount can either be a percentage or a specific dollar amount. Promo codes also provide customers with free shipping or gift-wrapping. This marketing strategy essentially gives customers yet another reason to buy your products. According to Microsoft, a promotional code, sometimes known as coupon code or discount code, is made up of a combination of numbers and letters. It’s used for specific purposes, such as a holiday marketing campaign. See additional details at this website.

By Business

Fujikura hybrid shafts online store with golfing tips

Fujikura golf shafts online store plus golfing advices? The Pressure Putt Trainer is a parabolic ramp that gives you instant feedback on your putting stroke. It’s a simple concept, really. If the ball goes up the ramp and comes back to you, it was a good putt. If the ball goes off the ramp and you have to go retrieve it, it was a poor putt. You can also challenge yourself to get the ball to stick in the Micro Target. This training aid can get pretty addictive, so don’t say we didn’t warn you.

Bringing high-fashion to the golf course is not an easy task, but the designers at Whim, a new golf brand, have taken on the challenge of releasing runway-worthy pieces that will perform. These green nylon pants are designed to keep you dry, comfortable and stylish in any weather. The water-repellent pants are made in Chicago with a noticeable attention to detail, including Schoeller fabric, four zipped pockets and a belt finished with buckles for an extra technical and on-trend touch.

Firstly, if you are wildly inconsistent you most likely need to work on centredness of strike. Not hitting the middle of the golf club leaves all other impact factors useless and can result in almost any ball flight. Check out your golf stance and posture to resolve this issue. Golf swing tip articles for hooks and slices frequently blame swing path for errant shots. This is not completely false swing path is a factor, however, the key reason a golf ball curves through the air is the spin imparted on it when the club face is not aligned squarely to the swing path through impact.

A few other tour worthy Fujikura Shafts include Pro Irons and Vista Pro irons. These names should be starting to sound familiar to you by now. Sometimes players want a more dialed in feeling swing. Pro Irons feature High-Density Composite Core (HDCC) technology to keep you dialed in. For more launch and spin, the Vista Pro Irons are a lightweight option offering more clubhead speed. Whatever your needs are we can build you the perfect custom set of golf clubs using Fujikura Golf Shafts. See extra info on Shop Fujikura at Tour Shop Fresno.

Everybody wants to improve their putting and there is no better way to do this than by practicing at home. There are so many options to choose from when it comes to practicing your putting at home: If you have carpeted floors, then although the ball will run quite slowly across them in relation to the stimp meter, it is a great drill for gaining the feel and control of your putter. Get a trusty old school mug as a pretend target hole and you are all set. Another great drill is to balance a coin on one golf ball at one end of the room and the object of the exercise is to practice putting another ball as close as you can so that it touches the other golf ball but doesn’t knock the coin off.

Then, I asked myself – if all of the top players in the world have top of the line golf club sets and custom golf clubs that suit them perfectly, why shouldn’t I? We offer a broad selection of custom golf clubs from the world’s most respected brands. Rest assured, we have everything – from Harry Taylor’s renowned wedges to the handcrafted marvels of Miura golf clubs. What’s more, we offer all of the parts and accessories that any golfer could dream of needing. Let’s dive in and take a closer look. See even more info at tourshopfresno.com.

By Sports

Chapter 7 advices by Dove law firm Houston, TX

Bankruptcy attorney Houston and chapter 7 advices: Discovery is a formal request for information and documents during the lawsuit process. If the case is pending in a justice of the peace court, court approval must be given prior to either side beginning the discovery process. If the case is pending in a county court or a district court, court approval is not needed. Typically, but not always, discovery must be concluded thirty days before the case is set for trial. If the ‘Plaintiff’ (the person or company doing the suing) believes that they have all the proof they need to win the lawsuit (and there are no disputed facts), they can file a writing with the court asking for a judgment to be entered. This writing is called a motion for summary judgment. If the ‘Defendant’ (person being sued) believes that the Plaintiff is absolutely lacking some of the proof required to win the lawsuit, the defendant can file a writing asking that the case be dismissed. This writing is called a no-evidence motion for summary judgment.

Reinvested dividends: This isn’t really a tax deduction, but it is a subtraction that can save you a lot of money. And it’s one that many taxpayers miss. If, like most investors, you have mutual fund dividends automatically invested in extra shares, remember that each reinvestment increases your “tax basis” in the stock or mutual fund. That, in turn, reduces the amount of taxable capital gain (or increases the tax-saving loss) when you sell your shares. Forgetting to include the reinvested dividends in your cost basis—which you subtract from the proceeds of sale to determine your gain—means overpaying your taxes. TurboTax Premier and Home & Business tax preparation solutions include a very cool tool—Cost Basis Lookup—that will figure your basis for you and make sure you get credit for every dime of reinvested dividends.

The trustee’s job is to review your finances and assets and oversee your Chapter 7 bankruptcy. They will sell certain property the bankruptcy won’t let you keep (nonexempt property) and use the proceeds to repay your creditors. The trustee will also arrange and run a meeting between you and your creditors-called a creditor meeting-where you’ll go to a courthouse and answer questions about your filing. Discover additional information at chapter 13 bankruptcy Texas.

If you have questions about how a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Houston (or the surrounding areas) may be able to help you or your business, please call today to schedule a free consultation. Even if bankruptcy is not right for you and your situation, I may be able to help you through the process of debt settlement, if needed. My job as a lawyer is to educate you about all of your options when seeking a financial fresh start so that you can make an informed decision that is right for you.

Make 401(k) and HSA Contributions: People can make tax deductible contributions to traditional IRAs up to April 15 of next year. However, the door closes on Dec. 31 for 401(k) and health savings account contributions. “It’s a hard stop,” says Wendy Barlin, a Los Angeles-based CPA and author of “That’s Deductible!: Simple Tips and Tricks to Find More Business Tax Deductions.” “Whatever opportunities you have at work (for retirement savings), make sure you maximize them before the end of the year,” she says. Taxpayers with a qualified high-deductible family health insurance plan can deduct up to $7,000 in contributions to a health savings account. Individuals with self-only coverage can deduct $3,500. Those age 55 or older are eligible for an additional $1,000 catch-up contribution. Tax deductible contributions to a traditional 401(k) are capped at $19,000 for 2019. Workers age 50 and older can make an additional $6,000 in catch-up contributions.

Who Should File Chapter 13 Bankruptcy? Many people think of bankruptcy court as the final stop on a path to financial ruin, the only option left when repaying debts seems impossible. But there’s hope even in bankruptcy, and Chapter 13 of the federal bankruptcy code offers the closest thing to a soft landing. Sometimes called the Wage Earner’s Bankruptcy, Chapter 13 allows those with enough income to repay all or part of their debts an alternative to liquidation. It’s bankruptcy for those whose biggest problem is dealing with creditors’ demands for immediate payment, not lack of income.

I believe that customer help should be the number one priority in any business, but it is also very important important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues. See additional info at Dove Law Firm Houston.

By Legal

Types of Bitcoin wallets and crypto transactions

Sell cryptocurrency safely with Coinipop Consider Diversifying. With the above advice in mind, there is nothing worse than getting frustrated with BTC, moving to ETH / alts and missing a BTC price spike, then moving back into BTC and missing the ETH spike. This is very easy to do given the rotation, and the natural urge to “FOMO buy.” If you have some of your funds in all the coins you trade, you’ll avoid missing out on a unicorn (a term one can use to describe an odd event, like a giant price spike in a short amount of time). If you diversify, especially when prices are low across the board, you’ll avoid some of the urge to jump into one coin mid or late into a run and out of a coin just before it goes on its run. In other words, although it isn’t the most profitable tactic, diversifying is good for one’s sanity in a number of important ways.

What are the different types of Cryptocurrency wallets? There are several types of wallets that provide different ways to store and access your digital currency. Wallets can be broken down into three distinct categories – software, hardware, and paper. Software wallets can be a desktop, mobile or online. Desktop: wallets are downloaded and installed on a PC or laptop. They are only accessible from the single computer in which they are downloaded. Desktop wallets offer one of the highest levels of security however if your computer is hacked or gets a virus there is the possibility that you may lose all your funds.

During an ICO (Initial Coin Offering), startups offer the general public an early chance to invest in their idea through a crowded sale. In return, these investors are allocated tokens at a lower price with a promise to sell them at a much higher price when listed on an exchange. Time has proven that ICOs can quite successful with records showing that some tokens ended up more than ten times the value of the projected returns. But what’s the catch in this, you might ask… ICOs have attracted a large number of investors clearly due to their high returns; however, another large number of ICOs have turned out to be total scams. People have lost millions worth of investments.

The cryptocurrencies work like this: They are generated by the network in most cases to encourage peers, also known as nodes and miners, to work to secure the network and verify entries or transactions. Each network has a unique way of generating and distributing them among its peers. Bitcoin, for example, rewards its peers (miners) for “solving the next block”. A block is a group or entries with all transactions. The solution is to find a hash that connects the new block with the old one. From here comes the term chain of blocks. The block is the group of entries and the string is the hash. Hashes are a type of cryptographic puzzle. Think of them as Sudoku puzzles that the classmates compete to connect the blocks. Find additional details at exchange cryptocurrencies with Coinipop.

A lot of Altcoins end up losing value over a certain period of time, sometimes in an unusually short period of time. It is, therefore, paramount to understand that whenever you hold an altcoin for the long term, be careful not to hold on to them for too long. One of the best measures of coins that are perfect for long-term investments is the daily trading volumes. The higher the daily trading volume, the more suitable an asset is for long-term investments. If you’re thinking of going long term with cryptocurrencies, consider investing in some of the following coins: Ethereum (ETH), Factor (FCT), Monero (XRM), and Dash. These have decent trading volumes on various exchanges around the world.

Second out is Binance. It is one of the most important cryptocurrencies exchange platforms very easy to use, it allows you to buy Bitcoin (BTC), Ethereum (ETH) and Litecoin (LTC) and more 500 other cryptocurrencies. Binance Exchange is the largest crypto exchange by trade volume and one of the fastest in the world. To give you an idea, nearly 1 billion (USD) is traded on average, impressive, right? Besides, it’s a massive company with a good reputation offering various security services (2-factor authentication and safe for your cryptos, insurance against any risk). So even in case of a minor security breach (it happened in May 2019), Binance will refund the victims through its secure asset fund. Here you can buy BTC with a bank transfer and like with Coinbase know you are in safe hands!

With our well-connected Bitcoin miners and the world’s largest exchange platforms, we are your first step into the Cryptocurrency world. Are you looking for where to purchase Bitcoins without hassles? If yes, then you should consider reading this post to know where and how to buy and sell virtual currencies at the best rates. Coinipop is a platform that makes it faster and easier for crypto miners and traders to sell, purchase digital currencies such as Ethreum and Bitcoin. Find additional info at buy and sell cryptocurrencies with Coinipop.

By Business

Mot Tilehurst with best auto services by mot-centre.com

Best auto services Mot Reading by mot-centre.com? If you use a regular garage or test centre, they may keep a record of your MoT due date, and can send out MoT reminders if necessary. However most people have a rough idea of their vehicle’s MoT expiry date, as it’s become such an intrinsic part of car ownership. The most recent major change to the way MoTs work came in May 2018, when a new fault grading system was introduced. Faults are now categorised as Minor, Major and Dangerous – with the latter two equating to an automatic test fail. Cars with Minor faults will pass the test, but their MoT certificates will clearly show that the car passed the test “with defects”, urging owners to effect a “repair as soon as possible”.

Bwm Repair And Service Specialists Reading – BMW Servicing, Mot Repairs And Remapping down at The Bmw Service Centre In Reading Based Just Of The Portman Road, Our Fully Trained Technicians Will Service And Mot Your BMW with Precision And To The Manufacturing Terms And Conditions as to not invalidate Your Bmw And its warranty. The Need for BMW repair and Service specialists and Where to Get your Bmw Service And Repairs Carried out Vehicles come in different shapes, sizes and makes; this simply means that a different level of engineering goes into each type of car. There are certain vehicles that are designed and engineered for perfection and the highest level of performance, Basically these are the vehicles that stand out from the rest at the parking lot and on the road.

Do not worry as you do not need any cash to pay for your breakdown recovery service, we accept only all major debit or credit cards for the services that we provide you. We offer a 1st Class car recovery breakdown service in lots of areas of the united kingdom and if you just only need a jumpstart to get you going this is also no problem at all for us just give us a ring and we will do all we can to help you on your way.

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Our company repairs several kinds of vehicles including classic cars, luxury cars, sport cars and many more. We welcome you as our customer to see how our commitment to success makes us the best and most reliable body shop in Reading and the surrounding region that you can trust with your sport, classic, luxury or even family vehicle. With our company you will find a discrete and cost effective solution to your Car Bodywork Repair reading problems.

How much does an MOT cost? The Vehicle and Operator Services Agency sets the maximum fee official test centres can charge for an MOT. It’s currently £54.85 for cars and motor caravans and £29.65 for motorbikes, but many garages charge less than this – sometimes up to 50% less. Search online for “cheap MOT” or “MOT discount” to find out how you can save money on your car’s next MOT. Top 5 simple reasons for cars failing the MOT test: Nearly two in five MOT tests are a fail first time. Yet often this is because of minor faults the owner could easily have fixed beforehand. See even more info at https://www.mot-centre.com/.

By Automotive

Chapter 7 advices from bankruptcy lawyer Houston

Chapter 13 guides by bankruptcy attorney Houston, Texas: Abstract of Judgment – While a judgment creditor cannot force you to sell your homestead, they can file an abstract of judgment in the real property records of your county. The filing of an abstract of judgment may prevent you from selling your home or re-financing your home. Credit Score – A judgment is a public record and will be pulled into your credit report and may damage your credit score. Even if you resolve the underlying debt, you may not be able to get the judgment removed from your credit report.

Child and Dependent Care Tax Credit: A tax credit is so much better than a tax deduction—it reduces your tax bill dollar for dollar. So missing one is even more painful than missing a deduction that simply reduces the amount of income that’s subject to tax. But it’s easy to overlook the child and dependent care credit if you pay your child care bills through a reimbursement account at work. The law allows you to run up to $5,000 of such expenses through a tax-favored reimbursement account at work. Up to $6,000 in care expenses can qualify for the credit, but the $5,000 from a tax favored account can’t be used. So if you run the maximum $5,000 through a plan at work but spend more for work-related child care, you can claim the credit on up to an extra $1,000. That would cut your tax bill by at least $200 using the minimum 20 percent of the expenses. The credit percentage goes up for lower income households.

What Debts Are Discharged in Chapter 7 Bankruptcy? A Chapter 7 bankruptcy will generally discharge your unsecured debts, such as credit card debt, medical bills and unsecured personal loans. The court will discharge these debts at the end of the process, generally about four to six months after you start. Some types of unsecured debts usually aren’t discharged through a Chapter 7 bankruptcy, including: Child support, Alimony , Student loans, Some tax debt, Homeowners association fees, Court fees and penalties, Personal injury debts you owe due to an accident while you were intoxicated, Unsecured debts that you intentionally left off your filing. Find additional info at chapter 13 bankruptcy Texas.

I hope that you find this website to be helpful and informative. Information on a website, however, is not a substitute for the knowledge and advice of an experienced bankruptcy attorney. Once you have had a chance to look over our website, please fill out the contact form or give us a call to talk more about the specifics of your situation. I will get back to you the same business day, if possible. Take your first step towards a fresh financial start!

Pick Up Capital Gains if You’re in a Low Tax Bracket: The end of the year is also a good time for some people to sell stocks that have appreciated significantly in value. This can be a particularly good strategy for those who are in the 10% and 12% tax brackets since their capital gains tax may be zero. The stocks can then be repurchased, which resets the basis and minimizes the amount of tax to be paid on future gains. Even if you’re not in the lowest tax brackets, you may want to sell winning stocks to reset the basis if you’re also harvesting losses. “What you want to do is balance (gains) with stocks that have losses,” Barlin says.

One of Chapter 13’s most attractive features is the chance to keep your home as long as you can pay the mortgage under a settlement plan. Under Chapter 13, people have three to five years to resolve their debts while applying all their disposable income to debt reduction. The option allows applicants to eliminate unsecured debts while catching up on missed mortgage payments. Short-circuiting home foreclosure is one of the option’s most attractive features. Though keeping your home can be a major relief, you’re required to spend years living under the supervision of a court-appointed trustee who will collect and distribute your payments.

I think that customer service should be the number one priority in any business, but it is also very important important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues. Read even more info on Ryan Dove bankruptcy attorney.

By Finance

High income North American Bancard agent program and merchant services business opportunities with ShawMerchantGroup

North American Bancard agent program tips and merchant services careers with ShawMerchantGroup? As one of the largest merchant services providers, the North American Bancard Agent program helps you grow your portfolio and increase profits. North American offers a great partner program that provides ample opportunity to increase your sales and market share. You get great sales support, innovative products, and a larger bottom line when working with them.

Do your Due Dilligence: If you Google »merchant account services«, you’ll most likely be overwhelmed by the results showing all the different providers for accepting card payments, either for ecommerce, MOTO, or High Risk merchants. It is important that you know who are you applying with. First, you need to find out if you’re applying for a Direct MID (merchant account directly with the acquiring bank) or Aggregate MID or Payment Facilitator MID (more merchants share a single MID). Try to get the answers to following questions: Are you working directly with the acquiring bank or a middle-man Payment Service Provider company (PSP)? Where is the provider and acquiring bank based? Are they EU/UK regulated Financial Institution and have their own PCI compliant gateway? Do they already process payments for other businesses in your niche? Can you find any complaints online?

As people have embraced social distancing to slow the spread of COVID-19, more of them are opting to shop online. That’s created a huge surge in ecommerce—in fact, in the last few months, online orders in the U.S. have increased by 56%. Gift cards and rewards programs: Gift cards allow customers to support your business while providing you with a much-needed cash infusion. Gift cards are also a significant factor in raising customer retention, and could even increase profits by more than 25%. A full-service merchant services provider like Umpqua Bank can help you implement rewards and gift cards to drive your business. Find more information at North American Bancard Agent Program.

The payments market is not only one of the largest globally but undoubtedly one of the most progressive. With a total $1.9 trillion valuation by 2017 and an expected robust performance in 2019 according to a report by Mckinsey, it is evident that the global payments industry is shaping up to be one of the most powerful. The report indicated the role of technological evolution in this advancement. Not surprisingly, the advent of innovative technologies has played a prominent role in expanding the payments market by developing and refreshing strong payments strategies to give companies in this variation an edge.

Offer merchants the latest trend in merchant services, the cash discount program. Earn even more residual and eliminate all cost for the merchant. With the revolutionary EDGE Cash Discount Program merchants can now offer their customers a discount for using cash. Using this program as a sales tool has proven to make sales agents portfolio grow exponentially. NAB provides agents with a free website as a tool for generating leads online. This gives your agent office a clean and professional look and feel. This will make you confident in your online presents with North American Bancard. See extra information at https://www.shawmerchantgroup.com/.

By Finance

Private TOTO site guides

Tips for safe Toto playground by MtSite77: Teaser Betting Strategy – This is perhaps the easiest method a sports bettor can use to find bets with a positive advantage. When you also read our article on the current betting market, you’ll realize just before game time the lines are efficient. Teasers are based off the current betting lines, so no longer do you need to go do any deep analysis to find out whether as straight bet is +EV. Here find spots where teasers increase the win rate by enough and you’ll have a +EV bet. This is all described in our article on teaser betting strategy.

A good example of a football strategy you can use on Betfair is called Laying the Draw. This approach has been popular for a while and as a result, it’s not that profitable as it used to be. However, there are still opportunities to make money with low risk. As the name suggests, you will be laying the draw in certain football matches. However, it’s not that simple, so let’s see how the whole thing works. For a start, you have to select a game where one of the teams is a clear favorite to win, usually the home team. Then, the first thing you do is lay the draw. Your intention is not simply to wait for the game to end and take profits. You can secure a win much earlier or take a tiny loss depending on the way the match is unfolding. Usually, the favorite will be ahead at some point and this is when the price for a draw will skyrocket. You will be able to back it at much higher odds compared to the lay price you took before the game. This will guarantee a profitable outcome no matter what.

Let’s say the Orlando Magic are -6 points to win a game and they’re playing the Knicks. All the sports outlets and the media start talking about how great and underrated the Knicks are, and the public starts betting heavily on them. The line moves quickly to the Magic -3 reflecting all of the public betting on the Knicks. If you start to see the line moving back the other direction, like back to Magic -4, you are probably witnessing the smart money taking advantage of the public’s over-eagerness to get on trends. When you see this, you should bet with the experts. It’s important to point out that you don’t have to wait for the other experts to start betting the line the other way to jump on an opportunity created by the public.

Guessing the correct halftime scores are often not available online. This type of bet is only worthy if punters predict an unlikely score. Predicting the accurate score in two or three matches have the best odds among online bookies. They are popular for online bettors because of the far better payouts. Basketball Toto provides punters a unique form of betting opportunity not readily available among online sports betting sites. The main game is guessing whether the home team will win by 6 points or more, away team will win by 6 or more, or none of the team will win by six or more. Punters can also choose to predict the correct ending score in two or three matches and also the halftime scores in a match.

SportsToTo offers betting on the most popular Korean sports like football, baseball, basketball, volleyball, golf, and ssireum. However, they only have fixed odds and running odds formats. Terminals to bet with SportsToto are found all over the country. If you only bet soccer (football) Asian bookies are a fantastic option. You will discover all the Korean leagues, also English Premier League (EPL), La Liga, Serie A, Bundesliga, and others. You’ll find American and tennis sports like NBA basketball and MLB baseball are coated too. However, if you are interested in betting other Korean sports such as basketball, volleyball and baseball you will probably be disappointed with the fact that these aren’t well coated (if covered at all) from the significant Asian bookies. In fact, as we talk on this webpage, overseas bookies often offer a far better experience overall.

Toto Soccer – For soccer (football) there are 3 different games offered. 1X2 Game – Choose home, away or draw in 14 soccer matches. Correct Score Game – Predict the correct score of 2 or 3 matches. Single Match – Predict the final first-half score, and final match score in a single match. Basketball Toto – Basketball also offers three Sports Toto games. Win/5/Loss Game -For 14 matches choose between Home by 6+ points, Either team to win by 5 or less point, or Away to win by 6+ points. Correct Score -Predict the correct score margin in 2 or 3 matches. Single Match – Predict the first half and final score margins of a single game. Read even more information at www.mtsite77.com.

These days it seems every sport betting forum on the net is buzzing about “Wong Teasers” and “Teaser Betting Strategy”. I’ll be honest, as someone who’s made a steady profit each year since 1999 betting teasers, I wasn’t thrilled when “teaser strategy” became the betting forum topic. Rewinding to almost a decade ago, soon after Stanford Wong released the book Sharp Sports Betting, Las Vegas sportsbooks started losing money on teasers. Today its nearly impossible to find a +EV bet in Las Vegas as far as teasers are concerned. Thankfully, online there are still plenty of options, but how long might that last?

For our Korean guest :

안전한 토토사이트 검증단계를 소개합니다. 안전놀이터 이용 회원의 검증요청 접수 검증요청 사이트 담당자에게 자료요구 및 증거자료 제시 검증에 대한 충분한 해명이 있을 경우 검증요청 회원에게 통보 검증에 대한 해명이 불분명 할 때 토토사이트에 먹튀등록 안전놀이터 보증금에서 먹튀보상금 지급 ​안전놀이터 등록 업체 취소 및 제재

먹튀사이트는 실시간 먹튀검증 심사를 통과한 안전한 메이저놀이터 및 토토사이트 만을 소개해 드리고 있습니다. 대부분의 먹튀폴리스 검증업체가 완벽한 검증시스템을 말할때 먹튀사이트는 365일 자체검증 시스템을 구성하여 최적의 안전놀이터 및 메이저놀이터 발굴을 위해 지난 2007년 부터 10년 이상 노력해온 국내 최초의 먹튀검증사이트 입니다.
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메이저 놀이터의 선정을 위해 합리적인 판단 기준을 마련하고자 노력하고 있습니다. 먹튀사이트는 12만명의 회원님의 추천과 안전놀이터 선정당해 기준 5년간 먹튀사고가 단 한번도 없는 업체만을 회원님들에게 안전놀이터로서 소개하고 있습니다. 저희의 먹튀검증시스템을 엄격하다고 말하지 않습니다. 완벽한 검증시스템을 마련하고자 팀의 전원이 엄격한 심사와 검증자료를 만들고자 끊임없이 노력하고 있습니다. 이 웹 사이트에서 안전한 TOTO 게임을 즐기십시오 메이저사이트.

완벽한 먹튀검증으로 추천하는 메이저사이트 ​검증사이트 먹튀발생시 100%보상 먹튀사이트는 2008년 국내 최초로 메이저사이트 및 먹튀보증업체 서비스를 시작하여 먹튀검증 최초로 먹튀사이트의 피해복구를 제공하는 커뮤니티로 성장하여, 2019년 현재 12만 고정유저님들에게 다양한 서비스를 진행해오고 있습니다. 365일 24시간 먹튀검증팀의 안전놀이터를 만들고자 최선을 다하고 있습니다.

By Gambling

Best NorthAmerican Bancard agent program and merchant services jobs with North American bancard

Detailed NorthAmerican Bancard agent program and merchant services careers? Top Benefits of North American Bancard’s Agent Program: Lifetime Residual Income. Earn residual income on merchant accounts placed with North American Bancard. Agents have a buy rate of 1.5 cents over interchange. Anything over this is profit and that profit is split 50/50 with North American Bancard. With North American Bancard Agent Program you will receive the most aggressive residual split in the industry. Be careful of other processors that offer a higher residual split.

Integration: For any ecommerce business the shopping cart is the most important piece of the puzzle. So you probably aren’t willing to change the software and you want to ask the provider how will you be able to integrate with their payment gateway. Many providers will have pre-made plugin modules for the popular shopping cart applications, ask them if they have one for yours because this means you can be integrated with a click of a button. Alternatively if there’s no plugin available every provider will give you their gateway integration API guide. You’ll then need a help from a moderately skilled developer in order to integrate your website with the API. Good to know – outsourcing such job normally costs around 200-500 EUR.

North American Bancard makes it easy to offer your clients affordable pricing. With their flat rate pricing, you can offer simple pricing options to your clients without confusion or hassle. You don’t have to worry about PCI fees, monthly fees, or any other fees you don’t want to add – you are in charge of what you offer. Merchants sometimes need cash fast – they don’t have time to wait for bank approval. North American Bancard owns RapidFuel, a company that helps businesses get cash fast. Some businesses will get approved for up to $500,000 in as little as 3 days. If they get approved, you earn a nice commission. See more details at Become a merchant services agent.

Every merchant can agree that customer experience is a key factor in the expansion of any business. However, one of the identifiable points in brand abandonment by customers that employ online payments methods is the risk of frauds and other forms of breaches. With technological advancements at their peak, it is getting increasingly difficult to keep out unwanted hands from businesses. One of the advantages of electronic payment system enabled by innovative technologies such as Blockchain technology is the ability to track customer’s behavior and flag anomalies through transparency and data tracking.

As people have embraced social distancing to slow the spread of COVID-19, more of them are opting to shop online. That’s created a huge surge in ecommerce-in fact, in the last few months, online orders in the U.S. have increased by 56%. Gift cards and rewards programs: Gift cards allow customers to support your business while providing you with a much-needed cash infusion. Gift cards are also a significant factor in raising customer retention, and could even increase profits by more than 25%. A full-service merchant services provider like Umpqua Bank can help you implement rewards and gift cards to drive your business.

What is Zero-Fee or Cash Discounting Solution? Also known as the cash discounting program, the zero-fee solution works wonders for both agents and merchants. With this method, you will offset any fee paid by the merchants on to their customers. Since the fee is usually in cents, each individual customer won’t mind paying it as they are using the credit card facility. However, if the merchant pays this fee on every transaction, then it can accumulate up to hundreds of dollars on a monthly basis. Read more information on https://www.northamericanbancard.pro/.

By Business