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Any business will cringe at the thought of what the banks put them through to use credit cards. If you do not know what I mean, then this article is for you!

The fact is that everyone online wants to use a credit card or debit card to process their order. It is very true in our society that the credit card is a way of life, and if you do not offer that ability to accommodate them, customers will move on to another website that does allow them to use their cards. This society has become driven by instant gratification and expects to receive their products immediately, either by a download or a short shipping duration. Taking credit cards as a form of payment on the internet or offline should be thoroughly understood. Read on to see what I mean and how to protect yourself.

The fact is that any merchant taking in payments is immediately at risk for whatever amount is charged and MORE. The banks will take the charge disputed along with a “charge back” fee right from your merchant account, and you better have enough in there that has cleared to pay your own bills or you will be charged more for “overdraft charges”. Some banks are waking up to the fact that it is not always the merchant at fault and most merchants are more than honest in their dealings. There is so much credit card fraud out there and since the merchants are ALWAYS liable, you need to realize this and take action to prevent as much disaster for your business as possible.

First, if you have your own merchant account, then you have a lot of work to do when you receive a credit card order. You must verify as best you can that the card, the name on the card, the address, the cvv number verification, and the quantities are all in order. You need to verify the IP address of every order and see if it is within the location of the card holder. A person living in Toronto, Canada, probably would not be in Las Cruces, New Mexico, charging products. This is a red flag but not a deal breaker, some people DO travel. Caution needs to be taken to protect your cash flow. As a merchant you must get money safely into your account for any goods or service you provide, so that you can become a larger or more substantial independent business.

Do not just take in cards and believe that everything is going to be just fine now that you have the money in your account, because it can come out just as fast, or faster, than it went in. There is a real need for you to understand a lot more than can be mentioned in this article.

The best way to receive all the tools and services you need to protect yourself and to make your voice heard is to check this website: http://www.merchant911.org This is a group of dedicated individuals who have been working for years to try to change banking and processing company rules and regulations as relative to merchants, both large and small. If you need any more proof of their dedication, just read some of the press releases and look at the tools they have assembled for merchants to use.

Right now is the time to start to protect yourself from credit card fraud. If you have read any of the newspapers or listened to any of the news reports, then you already know you are at risk. There are reports of over 40 million cards in the hands of criminals and thieves and they will sell these cards or will use them in various illegal methods. It’s not hard to imagine that some day soon you will be approached and asked to spend your time and money to ship a product or provide a service with these fraudulent cards.

Do your part to keep America strong and allow your business to grow and prosper, not be destroyed by thieves and credit card sharks.

If you’re like most people, you probably don’t particularly enjoy job interviews. They’re certainly amongst the most stressful occasions that you’ll have in your life. Are there any tips that’ll help? There certainly are.

The five tips below, if taken to heart and acted upon will probably give you an advantage over about 80% of all job applicants who do little or no preparation for the interview. And that is probably the biggest tip in itself - and a theme that runs through all five tips below - PREPARATION.

The more you prepare beforehand, the more confident you’ll be going in to the interview, and the more confident you’ll appear during the interview.

So, without further ado, here are the five tips that’ll put you streets ahead of the competition at job interviews:

1. Have all of the basic facts about yourself properly rehearsed in your mind. These include education, hobbies, interests and previous work experience. Try to slant what you say about your education, your interests and the roles you’ve had in your jobs to date to show why you would be the ideal candidate for this job.

Reinforce your job application with real evidence of what you’ve done in previous jobs. Don’t just give a bland one or two word description of your role - elaborate. Give specific descriptions of individual aspects of the work you did. Again, try to emphasize examples of tasks you performed that would make you perfect for the job you’ve applied for.

3. Make sure you demonstrate enthusiasm for the job you’re being interviewed for. Remember, the interviewer is looking for someone they feel will be ideally suited to the role advertised. If you come across as having very little interest in the position, do you think you’ll be offered it? Make sure you do your research on the company offering the job and the job role itself so that you give a good impression of your knowledge at the interview.

4. Work out beforehand the kind of skills and qualities you feel you would need to carry out the job you’re applying for and think of as many good examples as you can of how you’ve demonstrated these in your work and private life to date.

5. Make an effort with your appearance. Remember, first impressions are the only impressions the interviewer is going to have of you, so go all out to make those first impressions count. Think about the kind of character qualities and personality qualities you think someone good at the job you’ve applied for would demonstrate, and try to come across at the interview as having those qualities.

In today’s society which is very heavily dependent on medical help and intervention, it’s no wonder many soon to be mothers are afraid to look at alternative birthing options, such as waterbirth. Additionally, people tend to look at you strange if you have an opinion that varies too far from the norm, particularly when talking about alternative health care. Unfortunately, moms-to-be are overlooking what may be one of their most helpful and nurturing supporters when they don’t pursue the waterbirth option.

Waterbirth is typically practiced by an experienced midwife, who, over time, gets plenty of practical, hands on birthing experience with many women. Midwives have the skills to make you feel comfortable and to help you with some minor medical situations. And if they aren’t comfortable helping you, they usually are very quick to refer you to a local hospital or doctor. In some complex situations, like giving birth to twins, midwives don’t do the delivery without a doctor.

Throughout the whole birthing process, waterbirth is very gentle on the mother’s body, as well as the baby’s. The warm water tends to help moms calm down and relax. And water supports the mom’s weight and provides a lack of gravity which helps mom feel more at ease. The large tub and freedom of movement helps the mother change positions quickly to allow faster descent of the baby. In many instances, waterbirth can lower the need for drugs both for pain control and for labor stimulation.

Babies who have just spent the last nine months in water, can be perfectly at ease in their new out of body environment. It is recommended that once the baby is born, you bring it to the surface quickly. Many babies don’t actually begin to breathe until they feel their bodies in an air environment.

Typically, you will have check-ups throughout your pregnancy. Sometimes the midwife will come to your home making it very convenient for you. You can also get the midwife’s contact information, so they can be reached quickly, especially in emergency situations.

If you are opposed to waterbirth, then so be it. Otherwise, if you’ve ever felt a lack of care, attention, or time from your medical or hospital support, then you really should consider the waterbirth option. It is a very safe and nurturing option. Many times the empowerment and strength you feel from a natural, safe waterbirth will greatly enhance your birthing experience. You may never want to try birthing any other way!