Browse Month

September 2019

How We Accept Universal Energy

How We Accept Universal Energy

How We Accept Universal Energy

How We Accept Universal Energy – Many of us would like to manage our personal finances. But have no clue about the first step for this financial management. Although personal finance’s management is not offered at college or universities yet it should be at the top priority of everyone. How We Accept Universal Energy. As a starter, we will give you seven important tips to manage your personal finances so that you can have a prosperous and comfortable life ahead. How We Accept Universal Energy.

1 – Gaining self-control:

Do not develop a habit to purchase thing son credit card if you cannot pay them fully at the end of the month. Always try to purchase a product only when you have actually saved money for that product. It is not wise to spend your earnings in credit card interests and in the purchase of those things which are unnecessary for you. Always keep that many credit cards which you can easily track and payoff.

2 – Manage your Financial Future:

You should learn to manage your finances yourself otherwise other people will start trying to use your finances for their own purposes. Taking advice from others on your financial issues is good, but you should take financial decisions at your own. Try to get the basic knowledge of the financial management and take charge of your own financial planning instead of relying on others.

3-Managing Outflow of Your Money:

It is an alarming situation if your expenses are exceeding your income. You can control this situation by budgeting. Once you make a monthly budget for you and your home then you will be able to cut off many unnecessary expenses. Then you will realize that making small changes in your everyday expense will result into a good overall picture of your monthly budget. With a little effort, you can turn your budget deficit into a surplus. Which will help you save your hard-earned money for future.

4 – Create an Emergency Fund:

No matter how less your salary is and how much money you owe in credit card loan or home loan debt. You should create a separate fund for your emergency needs. It seems difficult to cut off your salary for an unseen expenditure, but it will save you from a financial disaster which may over burden you in case of an emergency. If you are having a good amount in your emergency fund, then you can easily meet any emergency expense. If it remains unused for some time, then you can use a portion of it for paying off your debts.

5 – Start planning your retirement:

Parents start sending their kids to kindergarten so that they can prepare you for a successful life. Similarly, you should start saving for your retirements now. If you start saving sooner, you will have a larger amount of money in your retirement account at the time of your retirement. You should check whether your company is offering some special retirement plans for the employees as many companies offer great retirement plans. In the company sponsored retirement plans often companies match portion of your contribution, which is like having free money.

6 – Calculating Your Tax Expenditures:

You should know the tax mechanism of your state and country for proper management of your finances. You should understand the total applicable taxes on your earnings so that you can have an idea. Whether you can meet your financial requirements with that money or not. You can search for an online tax calculator that will clearly indicate the tax rates, according to your state. Amount of these taxes on your gross salary so that you can check what exactly your take-home salary is. These will be very helpful when you are thinking to switch to new job with new salary range.

7 – Protect your Wealth & Belongings:

If you want to safeguard your hard-earned money, then you will have to take steps to safe guard it. Health insurance will save you from any setback caused by a health issue or an accident which may cause you a damage of thousands of dollars. An automobile insurance will save you from its accident outcomes. Home insurance will cover you from damages like fire or burglary. Meeting monthly or annual insurance premiums seem to be difficult, but it will save you from any financial disaster.

Remember, there is no need for any fancy degrees to manage your personal finances. If you take in your consideration the above seven things, then you can be personally prosperous man.

Mobile Vs Wireless Card Processing

Mobile Vs Wireless Card Processing

Mobile Vs Wireless Card Processing

Mobile Vs Wireless Card Processing – As the title of this article suggests. There are differences between Mobile and Wireless credit/debit card processing. Hopefully, I can clear up some of that misunderstanding here.
As technology continues to evolve, the different levels of freedom and mobility for processing credit card transactions have expanded. If you’re looking for ways to possibly utilize some of this newer technology to generate additional revenues, you first need to understand the options available as well as the flexibility and limitations of each.


Cordless Terminals

Cordless are designed for short-range use. Typically you’ll find these in restaurants or larger retailers with numerous payment stations throughout the business. These terminals “communicate” with a base unit or computer via the wireless network. While this “wireless” option is portable, it’s not as flexible as Mobile processing. The advantage, however, is the ability to offer a printed receipt to the customer. For restaurants, especially, it offers a greater degree of comfort security for customers in that their card never leaves their sight. It also provides the opportunity to key in a PIN number which could potentially save money in processing costs for the restauranteur. It’s a true win/win situation. However, the recent passage of the Durbin Amendment will likely make this a non-issue beginning in October 2011.

Traditional Wireless Terminals

The traditional type wireless equipment communicates through “land lines” connected over the air to a base unit plugged into a hardwired phone line. This option allows for some roaming throughout a space. Limited somewhat by the radius of wireless connectivity to the terminal (often several hundred feet, depending on obstacles and interference). The great benefit, of course, is the ability to offer customers a printed receipt at the time of sale.



Mobile payment processing simply didn’t exist five years or so ago. And, there’s no telling what type of even newer technology is on the horizon. But for now, consider how you may benefit from this technology.

Simply stated, this is credit card processing that you take with you making it possible to accept payments wherever your customers are. The equipment is lightweight and easily transportable. Chances are, you currently own the major component for this type of transaction….a smartphone. Really, all that is required for this to work for you is a signal strong enough to surf the internet and an active data package on your phone. The terminal (or card swiper) itself is a tiny unit that typically just plugs into the headphone port on your phone. Some credit/debit card processing may require a customers signature on the phone’s touchscreen and a receipt will be provided to the customer by way of email or an SMS text message.

Obviously, if you are doing business anywhere in the field, whether it be in-home, in the field, at trade shows or flea markets or anywhere you get paid remotely for your goods or services, mobile is the answer for you to increase sales. You may want to consider looking for a swiper that features “store and forward” capability for completing transactions where no signal is available. Now, I use this term, “completing” a transaction kind of loosely here. Without a signal, all you are doing is “storing” the credit card information and not actually getting an authorization.

The Risk

So, the risk you take is that you do the work, or deliver goods or service. See “store” the data until you later have a signal to “forward” the transactions. If at that time,you get a decline on a transaction. Then you’ll have done the work for free unless you can recoup from the customer through some other payment method.

If you have determined that Mobile is a potential enhancement to how you currently accept payments. I strongly urge you to contact your current payment processor and ask for details. You could also do a search for mobile credit card processing equipment to see what options may be available to you. As always, do your due diligence.

Capital One Credit Card

Capital One Credit Card
Capital One Credit Card

Capital One Credit Card – If you currently have a balance on your card and want to avoid incurring more debts, lowering your interest rate can help. But how can you lower the interest rate on your Capital One credit card? Well, one option is to negotiate with the company to reduce the rate. And while your final answer is likely to be no, knowing the steps below could help improve your chances of getting a favorable answer. How to lower interest on a Capital One credit card.

First step: Assess your current situation

Before you call the customer service number on the back of your Capital One credit card, you need to understand what your situation is. To do this, read what the current card terms are, including details such as the grace period, statement expiration date, and your current balance.
By preparing in this way, you’ll be able to better evaluate the options Capital One might offer you and therefore know how to act, what decision to make, and what to do if your request is rejected.

In this order of ideas, it’s important to know your credit and credit score, since you can use them to your advantage the moment you’re trading. Having a solid credit is an indicator that you’re not a financial risk and that you can pay your debts, so the company might be more willing to approve your application.

Step two: Build your credit if needed

If you find that your credit is less than optimal, you may want to work to improve it. That way, you’ll be more likely to have Capital One accept your request. In this order of ideas, you need to keep your credit utilization rate (the percentage of your credit limit you’re using) at 30% or less.

Step three: Look for competitive credit card options

Credit card companies and banks need to compete with each other to attract more customers, meaning they need to offer attractive rates and features.

Therefore, our recommendation is that you do a little research and see what options are available on the market. If you find a card similar to yours that offers a better rate, write down the card name, company, and terms. You’ll want to share this information when you contact Capital One.

Step four: It’s crucial that you understand the credit card company’s perspective

You can conduct better negotiation if you understand what the company needs to see to accept your request.

For example, it makes sense for a bank to want to make sure that a specific customer poses a lower risk before agreeing to reduce the interest rate on the financial product it uses, whether it’s a credit card or a loan. And Capital One is no different from other credit card companies. On the other hand, if you pay in full, or at least a good portion of an outstanding balance, your credit score may improve. And once this is reflected in your credit reports, lowering your Capital One credit card interest rate could be much more likely.

Common Question:

What should I do if I need a lower interest rate due to financial difficulties?
Answer: If you’re having trouble paying your Capital One credit card due to financial issues. Trying to reduce your interest rate is a logical step in making it easier to pay your bills. In this case, Robert Franer III, LPL Financial’s wealth consultant. Suggests calling customer service to inform the company that you can no longer make payments due to your current situation.
Our tip: Explain any mitigating circumstances and ask the company for help through a lower interest rate, or ask if they have any relief program.