Comparing Merchant Providers

There are many challenges one can face while trying to get a good merchant provider such as unethical agents, expensive contracts as well as hidden fees. To avoid such challenges, the key to picking a good merchant account for your business one needs to put several things into consideration. For instance, one needs to get a provider who can offer excellent support to the customer. Since customer service can change and they may not be available when needed, one need to find out the kind of service being offered and whether its available any time its required in order to avoid frustrations of losing sales when the there is nobody to contact.

Another point to consider is whether the provider meets the specific needs of the business. This is where some merchants may be tempted to go to the providers with lowest prices yet they do not meet the needs of the business. Therefore the best thing to do is to have a list of providers such as Highrisk Solutions that offer services that the business specializes in and choose the one that meets the expectation of the business.

Different service providers offer different rates as well as fees. Therefore it is also important to consider this factor. This is because mostly there is a common price among different providers called tiered pricing they do this so that they not outdo each other in the market. Therefore always when shopping for a best provider, insist on interchange-plus pricing and not tiered pricing. The interchange-plus pricing is better than the tiered pricing as it clears the confusion that the tiers come with. For instance the interchange-plus pricing model, gives a card with cost at predetermined rates that can be interchange. Later they set up their transaction with the merchant.

Often a business can offer contract to service provider and later they decide to cancel the contract based on how their services are. This is not easy process as one would think. This is because the process of cancellation must be done carefully in a manner that prevents the renewing of contract with new addition terms. Therefore it is important to have a contract of monthly basis and no termination fees incurred. However in some cases there are providers who offer merchants an opportunity to raise their issues if they are not satisfied with the service and come to an agreement on how they will conduct the business.

Finally one needs to consider buying credit card processing equipment instead of leasing it. This is because most processors give offers at tempting rates to convince someone that one will save money on an equipment lease but one needs to do a lot of math and have more misinformation so that you don’t sign something which will cost your business as they are binding legally contacts . Therefore one needs to choose a provider who does not advertise equipment leases on long term. One should also do cross checking of all documentation so that you are not cheated to signing contract which you are not aware of.

In conclusion it’s important to understand that one may not get a provider who meets all the requirements. Therefore the key to choosing a good merchant account provider for your business is to stick to your priorities.

Why it’s hard to constantly change your mailing address


There are several reasons why people move homes ranging from business, family, social, or any other personal reasons. Moving homes comes with its associated stress with research ranking among the top ten stressful life events. Among the stress it comes with is about getting a change of mailing address whenever you move home. If you don’t want to miss out on important information and also avoid your mails getting into wrong hands, you need to properly change your mailing address while moving home.

There are several factors and issues that make constantly changing your mailing address stressful and difficult and you need to put that into consideration before making your next decision to move home.

Here are few reasons why it’s hard to constantly change your mailing address without the help of

·  You can get exposed to change-of-address scams

You make yourself vulnerable to change of mailing address scams when you constantly move homes. It’s also easy to miss out on important mail. There have been cases of fraudster filing a change of mailing address at the post office on a victim’s name and could further use your credit card information and have them delivered to the new address. This often occurs when the victim is in the habit of changing mailing address frequently. The address is one of the physical location most people use to be identified by.

·  The long process of change in mailing address

The process of changing mailing address is quite long and takes time to effect change thereby making you lose out on important information which could be lost due to change in address. This is one of the most important things to take note of whenever one needs to move. Ideally if you are expecting a very important package, it will be advisable to wait to receive it in your present location before moving as you may not get to complete the processing of the mailing address change on time.

·  Lack of attention to minute details

While you file for a change in mailing address at the post office and set up mail forwarding, a confirmation card is usually sent to both the new address, and the old one. It’s possible for one not to pay close attention to the emails as it may appear as a junk mail. If such a mail is not read to confirm the new address then one will not be able to change to a new mailing address which will lead to loss of valuable information.

·  You will need to constantly update your address with your utilities, school, work, and bank

This could be quite frustrating as every time you move home you will need to approach the utility providers, school, work, and bank to notify them of a change in address. Also your doctor and other acquaintances might need to be informed whenever you move and the mailing address changes.

changing mail address might be difficult but the benefits outweigh the stress. Ensure you change your mailing address whenever you move homes. Bon Voyage!

Reasons to fill up the SS-5 Form

Below are the reasons and how to apply for an either new or taking a social security replacement in New York City. The first step is filling an application form (SS-5) and submitting it by mailing it together with the supporting documents required to the Social Security office or availing them yourself . You can fill this form online by you have to take it personally or by main to the society security offices.

When applying for a social Security number , you have to submit the SS-5 form together with the supporting documents. This is in order to offer proof of the age, the residential Status(whether a US citizen or not) and the reason for applying a social security number . Quite a number of the parents get a Social Security number or their children, some of the reasons is, to make that child a dependent on their inheritance and taxes.

If you are twelve years and above, and have never acquired a Social Security number, you must appear in person at the Social Security offices for an interview. You will also be required to present proof the you have never acquired another Social Security card. You can also obtain a new Social Security card at if the previous one gets damaged, misplaced, lost or even stolen.

In such cases, the Social Security Administration have set a three times replacement limit of such cards per each calendar year and ten times in a lifetime .Obtaining a replacement card is quite simple and easy ; just fill out the application form and get all necessary documents the required.You can also obtain a social security number in case you need to change your name. This can be because you want to add or drop your spouses name, or any other reason .In addition to basics, an original or a certified copy of your marriage license will be required as proof.

If your immigration status changes, you will require a new card for purposes of your jobs. You will have to issue additional supporting documentsObtaining a replacement Social Security card to correct an mistake made on the previous card is generally the same as obtaining a replacement card for any other stated reason except that you have to attach a note as there is no rectification space in the application form. Another purpose for applying for a card is because after childbirth or after adoption .

The SSA suggests acquiring a Social Security card number for the child. s soon as possible; You can acquire it at the hospital the same time with the birth certificate. In case you are filling out a form on someone else’s behalf, proof of identity will be required. Obtaining a replacement of Social Security card in New York City is not difficult. Just remember to fill out the form properly to avoid mistakes and unnecessary delays, and submit the required documents. Get copies of all the documents you submit for records purposes , and just wait for ten business days to get the new card

Why do People go for Psychic Readings

Many people today wish to know about their future; they want to have immediate answers for their dreams and desires mainly because they struggle with a lot of everyday problems. So, if you need some answers about your dreams and desires, you go for a psychic reading. But why do people go for psychic readings at

Want to Predict their Future

A lot of people want to predict if there is a good life in the years to come about them. They want to learn as soon as possible how to choose wisely in their lives, in order to prioritize all those important things in their lives. So, they turn to professionals to have a clearer idea about what lies ahead in every aspect of their lives; they want to know about their love live, their careers and more things.

Look for Answers in their Love Life

People go to psychics when they seek answers to help them overcome various problems in their love life. There are even some fortune tellers today
that claim that they have the power to help them find their soul mates. As a
result, people who are unsatisfied with their partners, go to psychics to seek
positive answers for their love lives in the future. Or they want to know when
they will be married or if their partner is the right one for them.

Want to Improve their Careers

People also go to psychics because they want to know how to become
successful in their jobs or how to win more money. They believe that by going
to a psychic they are going to find their hidden potential that will help them
to boost their career and be more successful. After discovering their hidden
powers, they can make smarter decisions about their next steps in their jobs.
Or they may want to know if it’s good for them to change their careers or how
they can get a promotion in the future.

Need Guidance

Today many people face a lot of problems in their everyday lives and this
is mainly why they visit psychics. Most of the times they feel lost and they
don’t know what to do. So, they turn to fortune tellers for readings, in order
to get some specific answers that they need for direction.

Search for Relationship Advice

If they are going through a problematic relationship, they go to
psychics, in order to learn how they can overcome these kind of situations.
This way they wish to be certain if they should terminate their relationship or
if they have to fight for it.

Want to Find Financial Answers

Many people are looking to make some financial investments and they need
to be sure if they are making the right decision. By going to a psychic, they
wish to get the answers they want in order to proceed with their decision or
not. These kind of decisions are very crucial and this way they are more
certain that they are doing the right thing.

People go to psychics for many other reasons, such as family or health
problems. This way they want to get positive answers to do the right thing in
order to improve their lives.

Neuropathy and Nerve Damage

Neuropathy i.e. peripheral neuropathy is a health condition that occurs when the functioning of peripheral nerves are disrupted or damaged. The nerves are responsible for a wide range of functions including involuntary organ-activity, stimuli perception and voluntary movement of the muscles. Neuropathy affects the nerves responsible for carrying out these functions. Although its cause can be as a result of underlying medical conditions, sometimes it can be as a result of an unidentifiable cause, as seen on the blog post on

Neuropathy affects single or multiple nerves simultaneously and its symptoms include muscle cramps, muscle paralysis, sharp burning/freezing/throbbing pain, increased sensitivity to touch, impotence, reduced vision, tingling/numbness in hands or feet, loss of bowel or bladder control, dizziness etc. These symptoms can take years to manifest which means that your short-term habits can lead to long-term or lifelong health problems.

Why Eating a Balanced Diet is Important for Neuropathy

Because neuropathy affects the nerves, its treatment usually involves management of the underlying causes of nerve problems and this includes eating a healthy and well-balanced diet. The main reason as to why you have proper diet when you are affected by neuropathy is because poor nutrition and certain types of food can aggravate the condition. Foods with high amounts of carbohydrates may worsen neuropathy due to high amounts of sugar which increase nerve damage. It is therefore important to avoid refined and added sugars found in pastries, candies, cookies, waffles and ice cream.

Neuropathy requires you to eat different varieties of food such as vegetables, fresh fruits, poultry, meat, fish, dairy products as well as healthy fats. it’s also important to incorporate carbohydrate i.e. starch in your diet but ensure that you keep track of when and how much you eat the carbs because they have an immediate effect on the amount of blood sugar in the body. Some of the carbohydrates that you can add to your diet include bread, pasta, grains, and cereals. Lean proteins such as low-fat dairy products and poultry contribute to tissue repairs and building of lean muscles all which are important for nerve development. Fruits and vegetables such as kales, spinach, broccoli, tomatoes, oranges, kiwi, berries, watermelons etc. contain various assortments of minerals, vitamins, nutrients and dietary fibers that are valuable in supporting the immune system.

Other Diet Considerations

If you are suffering from neuropathy, it is important to avoid foods with high amounts of salt because they pose high risks of increased blood pressure in the body. It’s also necessary for you to avoid alcoholic drinks because alcohol is highly toxic to nerves and it may worsen some of the neuropathy symptoms such as pain, numbness and body coordination. Furthermore, it also causes nutritional deficiencies that can worsen neuropathy. Smoking leads to detrimental health effects and that too includes worsening of neuropathy.

A balanced diet is important in treating neuropathy because eating healthy meals and making appropriate dietary changes not only enhances the immune system, it also reduces chances of increased neuropathy complications. You can also add dietary supplements to your diet since they help to ease neuropathy symptoms.

Has your Business IT Infrastructure been compromised?

How to Tell If Your Business IT Has Been Compromised

Businesses (both big and small) are often targets for corporate cybercrime and are often hacked due to the lack of a robust network security. It is difficult to stay on top of your network security, especially if you are a small business owner because it is difficult to find and gather the resources required for that task. If your business operates through a web application, this can ruin your reputation because it is the face of your business that has been compromised.

It is often easy to identify when a website or a web application has been compromised, but not always. According to a 2016 M-Trends report from FireEye, the time from security compromise to discover has dropped to 99 days in 2016. Every attack is different and it’s important to recognize it on time. Here are some signs that cybercriminals may have compromised your business’ IT network, based on research at

Signs of security breaches

1. Suspicious activity from executive accounts

Employees often don’t question activity from accounts of their senior business leaders. This is why hijacking email accounts of business executives and leveraging them is one of the best ways to get valuable information. For example, a company accountant gets an email from a CFO asking for a payment to a marketing firm. The mail is written in the same style and requests funds in amounts similar to other CFO’s requests. In order to protect your business from these phishing scams, your employees need to be suspicious of any potentially-fishy activity.

2. Ransomware message

A ransomware message is the most blatant sign that your business IT has been hacked. You’ll know when it occurs because your system will lock you out or you’ll receive a notification. This kind of attack can go in different ways – you pay the ransom and the hackers provide you the key to unlock your system or just ignore you. If you don’t want to pay the ransom, use the backups of your data to overhaul your network. In case you haven’t backed up your data, then you will need to pay and hope that the attackers will give you the key to unlock the system.

3. Unusual or increased network activity

If you notice increased or unusual network activity, this may be a sign that your business has been hacked. Hackers tend to leave traces if you know where to look for them. For example, if you notice sudden spikes in outbound DNS traffic, it can mean that botnets have infected your network. Also, a sign of hacking activities can be the appearance of large unknown files. A DoS (denial of service) attack can serve as a cover or distraction for a much deeper system penetration – while you deal with the primary security breach, the hackers are orchestrating a secondary one.

Use of privileged accounts during off-hours, mismatched system logs, unauthorized downloads, unsolicited webcam activity, large ICMP packets, and failed login attempts are all signs of potential security breaches.

How to protect your business IT

There various things that a business owner can do to protect their IT network and website from potential exposure. Add maintenance and security to your IT network, stay informed about the latest threats and what they’re targeting, tighten your network security, update your software, and strengthen access control by making strong usernames and passwords that are hard to guess. Also, use the SSL protocol to protect personal information between your database and website, backup your data regularly, and utilize malware scanning programs to detect unusual activity.

Having your business IT compromised happens, even though it is not a pleasant experience. This is why it is important to know how to identify a security breach, in order to maintain business continuity and minimize the damage.

Cyber Security and Business IT


Cyber security can be acknowledged as the security imposed on computer systems against damages on software, hardware, information, theft and other factors like misinterpretation or disruptions. Essentially, aspects of cyber security call for control on the hardware systems against physical accesses from outside parties and other harm which may be imposed through network connections, injection of codes and data as well.

Some operators may uphold malpractices through accidental or intentional manners thus resulting in a fail in cyber security. As an undisputable factor, IT can conceptually be seen as subject to errors through falling into tricks which eventually end up in deviating it from its secure platforms. With an increased reliance on computers, many companies are moving towards a digitally foreseen world. The desires to make work easier leads companies into adopting IT as a convenient mode for carrying out their activities. With this in mind, the question to be asked is, why are more companies getting hacked every year?

Reason as to why cyber attacks happen
Cyber attacks have been on the rise as more companies are being attacked every year. This has led to increased tension in the amount of security that needs to be adopted through security firms such as Ideally, it turns out to be difficult while trying to figure out those who are to be held responsible for these cyber attacks. Almost every company falls under cyber threats and attacks from unknown sources.

The number of DDoS attacks ends up weakening the servers of a company’s systems. Over one million malicious programs get to be created each day with the intention of weakening the IT securities of companies. Some attacks may be crude thus can be defended against easily. Other attacks are however vital thus difficult to figure out on how to defend against them. Attackers usually target weakened spots from which the attacks may be unexpected by the companies. There are really dangerous attacks which tend to exploit security holes which the subject company may not have discovered in their software.

Defences to cyber attacks
Companies are expected to uphold their defense systems against the rising amount of cyber attacks being witnessed. This calls for a tight security check on the company’s cyber system. Companies are assumed to utilized over 75% of the cyber defense systems in the policing of their networks. The systems are entailed to deliver regular warnings and alerts to the security staffs. It might be hard for companies to correlate the various alerts and warnings coming from the many different security systems. In case of a booby trap or phishing email sent by an attacker, it becomes easier to break through the company’s security systems. An insider may also assist in weakening the security systems when they give out important information pertaining the companies cyber system.

Understanding why more companies are being attacked every year over their cuber systems will allow us to learn on what needs to be improved in their security systems. Apparently, attackers usually look for loop holes before going ahead with their attacks. With the rise in cyber attacks, companies need to upgrade and improve their cyber security systems. They need to prepare for the day they might be breached instead of relying on the technological aspects of keeping them safe and secure from attacks.

Why Custom Full Color Printed bags are more expensive

Custom full color printed bags are a powerful tool one can use to communicate their message to whatever audience. Whether you are a seller promoting your product or service or simply want to coronate an event with beautiful custom printed bags, it is always rewarding efforts. Full-color well-printed bags are a sight to behold, vibrant and breathtaking, conspicuously communicating its intended message that can never miss its audience.
However, with high quality, one can expect costs worth the value. Several reasons explain what makes full color printed bags more expensive. These include;

1. Material Used in Making the bags.
From base material to the lamination finishes, the material used in making full color printed bags are relatively expensive, at least for high-quality bags. Whether you settle on laminated woven or non-woven polypropylene material which in most cases are most popular and recommended, the costs are relatively higher. Besides, these bags are made with durable handle material which are also expensive and thus making the bag more expensive.

2. Design and colors used.
The artwork involved in making full color printed bags is not only demanding but also costly. A lot of design and creativity is employed to achieve the desired goal. In most cases, professional graphic designers are involved which increases the cost of production. The artwork is the bag because the message on the bag usually is in the artwork. So one can not settle for average designs when the intention is to achieve excellence. Besides, different colors have varied qualities and uniqueness. The more colors involved the high chances of higher production cost.

3. Bag Styles and Sizes.
Whether it is a grocery bag, tote bag or gift bag, the style and size of the bag will definitely affect the cost of the bag. Most full color printed bags come in round corner and squared cornered style, both in which plate charges are slightly higher. Most color printed bags are produced in consideration of the visibility and readability of the artwork or writings for that matter. In this case, the need for visibility more of a priority than the actual use of the bag. As a result, bigger sizes are considered which means more material used and consequently, higher prices.

4. Other Bag Customization
More customization requires more material to be used. For instance, some full color customized printed bags come with metallic printings, other with fluorescent inks. These material add extra costs in the production of such bags which makes them more expensive in the market.

5. Number of Orders
Most companies give discounts only on a specific number of orders depending on the company policies. Any order below the specified number is usually more expensive. This is why most of these bags are viewed to be more expensive.

Custom full color printed bags have proven to be the ideal bags be it shopping, gift or communicating to a given audience. Like in any other line of production, high value goes hand in hand with high costs and consequently high prices. However, the high rates cannot overshadow the significant benefits that the bags can bring.

Why you should not repair your iPhone by yourself

iPhone is indeed the most expensive and valuable mobile phone in the world with Apple being the biggest name in modern gadgets industry. iPhone’s screen is more sensitive than many other mobile phones and thus prone to damage when it’s fallen. Also, any other damage can happen to your phone, and there are plenty of videos available on YouTube. Many people try to repair experts and fix it on their own. This can indeed be very dangerous for you as well as your pocket. The iPhone is very highly tech designed phone with minute specifications. It can be seen that taking the risk of repairing such expensive phone can be very costly. Repairing it on your own can make the situation worse. There are many legit reasons not to fix your iPhone in Phoenix or on your own, and some are presented below.

• Can be more complex than we think- iPhone has very complex engineering in manufacturing, and it isn’t easy to open even, let alone to fix things. To open an iPhone’s battery, you need great expertise otherwise it will damage your entire phone along with the existing battery.

• Parts can be misplaced and are very delicate- phones have tiny, small parts including a large number of screws. While trying to fix an iPhone on your own, you can end up either losing those small screws or put them in the wrong position. Moreover, tiny parts inside the phone including the motherboard are very delicate and should be handled by care. People at support centers are trained and do this job every day. Thus they know how to handle them.

• Loss of repair warranty- as a clause in Apple’s warranty it states that if you try to fix it yourself or do any alternations in the system, your one-year free repair warranty will be considered void. There are chances your phone might not work if you try to fix it and you will lose company’s warranty also. Repair shops usually give you a warranty when you assign them the job.

• It can be dangerous- correct tools are required to repair phones which you may not have at home. Normal screw drivers which we use in everyday life do not work for phones, and they require minute ones. Also to fix a phone’s screen, the high temperature is required to loosen it. While doing this at home, you may cause an accident hurting you. You may also damage other parts of the phone and shatter the screen completely.

• Loss of touch ID- the home button in iPhone has a fingerprint sensor, and it is paired to the phone at the factory. When this button is replaced, Apple detects that this sensor is replaced and takes it as a security violation. Apple will immediately shut down you touch ID forever, and the phone will start giving error 53 which is a mistake for hardware swap.

• Can be very expensive- when you try fixing a phone by changing parts, it can be more expensive as the parts you order online are generally of low quality and can either damage your phone or will stop working within few weeks. Repair shops are authorized ones and use Apple’s approved parts.

How much should you pay for CAD-CAM Software

Financing is something that plays a role in multiple areas of our life today. Without solid financing, a lot of things might seem relatively hard to achieve. While it is a commonplace to get financing for your home, car or even education, there might also be a need to obtain financing for software, particular things like CAD/CAM.


A couple of reasons why financing is worthwhile are listed below.


Tackling high costs

Bob CAD/CAM is quite expensive to buy on your own. They usually cost a small fortune, and buying it with your savings is next to impossible. To tackle these kinds of costs, you require help, which can be provided with a suitable kind of financing option. Reliable financing can distribute costs over a comfortable period.


Providing flexibility in choosing

With CAD/CAM software financing, you can go in for more than just a few software. Unlike the situation wherein you can buy just one or two tools with your own money, software financing helps you pick out all the tools that you need to get the job done effectively and efficiently.


CAD/CAM Software Financing: 4 Factors to Consider

CAD/CAM software is a type of software that is used for finance purposes only and thus is not used by everyone. They are only of use to people who specialize in using such kind of software and have studied about it and know its techniques and how to go about using it. The main users of this type of software are the people that belong to the manufacturing units and industries or the secondary sector of the economy. The main designers who deal with the making of products, on the other hand, use the CAM software. While using such software, the people get awed by the different kinds of things that it has to offer and thus often lose track of what they wanted or needed in the first place itself.


Installing the Software:

Also, while installing the software keep in mind that you do not purchase something because of which you have to format or re install everything else that you already have, but try and use software which will fit into your already installed database. The software that you install should also be able to handle the entire

a database that already exists in your computer’s memory and should be able to work with it without creating any issues.


Upgrading the Software:

Also, you should be able to update the software later if required without much hassle, and it should also not come at a very hefty price. Try and buy software from a renowned company so as to avoid any kinds of fraud. If you are not certain as to whatever to buy, you can always do a little bit of research on the internet or ask other people who have used such software before so that you don’t end up purchasing something that is of no use to you.


When you are involved with building your website, it is quite easy to get carried away and not know how to control the costs. If this is the case, then you need to refrain from going overboard. To prevent an untoward situation with the finances, go for a financing plan which will protect unforeseen expenses and ensure continued development.


When money is not a problem anymore, you will be amazed at how good the website can really look. Avoid any delays and go in for affordable software financing right away.