High risk merchant account processing

We have been talking about various points of view of the high-risk merchant account business for many years and have almost sure reached on most, if not all, of the most important problems. Here are some more guides on high risk merchant accounts.

High-risk merchant accounts are a group of finance services that allow firms to receive card payments from clients. Credit card processors assign merchants to one of two categories: high risk or low (normal) risk, based on a number of factors. High-risk merchants face limited options in processors, plus higher fees and stricter contracts. Being labeled as high-risk looks bad. But in some cases, it can be your only option.

It’s practically not possible for online shopping merchants to work without accepting credit or debit cards. Before you can accept “plastic,” you have to use a payment processor who acts as a liaison between you, banks, and credit card networks.

Many financial processors do business only with with low-risk merchants, who they consider as a low risk investment. That means businesses considered high-risk will have a limited selection of potential processors to choose from. Any processor you approach will take a careful, detailed look at your business to determine if you fall under their definition of “high risk,” based on the financial risk your company represents.

Here are some high risk credit card processors : Focusing primarily on high-risk e-commerce businesses, eMerchantBroker claims they approve 99% of all account applications. The company has a positive reputation for transparent customer service and reliable support.

Founded in September 2018, Card Z3N is a Las Vegas-based merchant account provider that serves both standard-risk and high risk merchant sectors. The company offers a wide range of retail and e-commerce solutions for most business types, including adult, auto parts, collections, credit repair, diet programs, e-cigarettes, electronics, extended warranties, fantasy sports, financial services, firearms, online furniture sales, multi-level marketing, nutraceuticals, online gaming, precious metals, self storage, and travel.

We did transactions on all of the high risk credit card processors, to be able to compare and our pick was HRMA-LLC. They cover all business types, have a huge experience in the field, fast customer support and low fees.

Do you have a business related to collection agency & debt collection ? HRMA-LLC can help you. See extra details at High risk credit card processing.

How to: upgrading from Drupal 7 to Drupal 8

Upgrading a website script version is one of the most complicated procedure a webmaster has to deal with when managing a website. How to do a Drupal 8 upgrade? Here is a small guide with various details. Let’s start with basic info : The content of your site does not live in your Drupal installation. It lives in a MySQL database which is managed by your Drupal installation. This database will sit somewhere on your server, as determined by your web host. (As an aside, I never did figure out where Dev Desktop puts the database on your computer at home. It’s a mystery.) Anyhow, the exception to this is that the images within your site do live in your Drupal installation, they are in the sites folder somewhere (depending on your settings), with Drupal keeping records of them in the database.

Note: Earlier, there used to be a migrate_plus module in Drupal 8 core which contained all the pieces of migrate functionality that wasn’t able to make it in the Drupal 7 core. It contained all the plugins for the support of XML, CSV and JSON data sources along with the support for databases like MS SQL or Oracle. This module has now been split into different modules, namely migrate_plus, migrate_tools and migrate_source_csv. Though not yet perfect, the upgrade procedure in Drupal has come quite a long way. As you can see in this tutorial, the upgrade process is now very streamlined and is an integral part of the Drupal Core. If you liked this blog post, then give a read to another blog post by us on, How To Update Drupal 8 Core.

If you’re migrating from a previous version of Drupal, start with our Preparing for a Drupal-to-Drupal Migration tutorial. From there you’ll learn how to perform a basic update using either the built in UI or the contributed Drush commands, as well as some common best practices to help things go as smoothly as possible. If you’re looking to customize your Drupal-to-Drupal migration a bit, continue through the tutorials on writing custom migrations, and then we’ll go in-depth on how to use those skills to tailor the Drupal-to-Drupal update process to your specific use-case.

The steps above outline how to get a distribution minimally installed on an existing site. But you’ll still have a lot of work to do to reconcile your existing site content and structure with what has been created by the distribution. Here are a few tips to get you started–but you should begin with the assumption that there will be lots more you’ll discover and need to fix. Roles. Many distributions will create one or more custom roles. Examples include contributor, editor, and administrator. If any of these roughly correspond to existing roles on your site, delete the roles created by the distribution and rename the existing ones to use the distribution role names. For example, if your site has a role called “site administrator” and the distribution has created a role called “administrator”, delete the newly created “administrator” role and rename “site administrator” to “administrator”. After adjusting the role names, visit admin/config/people/accounts, ensure the “administrator” role is selected as the “Administrator role”, and save the form. Consolidating the roles in this way will get you the functionality of the distribution’s roles and permissions while maintaining your existing users’ role allocations.

Update your site to the latest version of Drupal 6 (core and contributed modules). Before upgrading to Drupal 7, disable and uninstall modules you know you won’t be using in the new site. To help determine which modules to uninstall, you could review the list of modules included in the distribution, which often are found in the download in the directory profiles/[distribution_name]/modules. If a given module is not in the distribution and you don’t foresee needing its functionality on your new site, you may choose to uninstall it.

There are several tips and best practices to follow to help you prepare for the upgrade. Still, since this is such a complex process, we highly recommend getting members of your development team involved from the beginning, which will help ensure the upgrade goes as smoothly as possible. Upgrading to Drupal 8 is more similar to building a new website than previous Drupal updates were, meaning that you should never perform the upgrade to Drupal 8 on a live site. It’s also strongly recommended that you create a backup of your live site so that if anything goes awry, you can quickly roll the site back to an earlier version while you figure out what the issue is. See extra info about Migrating from Drupal 7.

Do you want to lose weight ? Here are some tips

Extra weight is a big concern and everyone should watch it but also avoid risky diets. Here are some weight loss guides for safe weight loss. If you’re trying to lose weight, you’d be well-advised not to eliminate this common morning pick-me-up from your diet. According to 2010 research published in Food Science and Biotechnology, caffeine stimulates the nervous system, which can send direct signals to fat cells telling them to break down fat. Just make sure you’re skipping the added sugar, which can quickly turn a healthy habit into one that causes you to pack on the pounds.

If you want to lose weight fast, then one of the easiest things you can do is make a meal schedule for yourself and stick with it. “When people stick to a meal pattern, they rarely overeat,” explains Julie Upton, MS, RD, co-founder of Appetite for Health. “Stick to eating three meals a day and two snacks. Don’t graze all day and don’t skip meals.”

Eating oysters, crab, salmon and tuna, and other copper-rich foods like beef and brazil nuts, can help you lose fat by improving your fat cells’ ability to regulate metabolic processes, according to a study by Johns Hopkins University in the US. Subjects suffering from low copper levels had “fatter” fat cells, the researchers found, because the deficiency altered how these cells process the storage and burning of fatty acids and sugars.

“At best fat burners are an expensive combination of caffeine, green tea and other ingredients designed to raise the metabolism or mobilise fat,” says personal trainer and fitness model Sean Lerwill. “At worst you may be taking be something detrimental to your health. Many people take a fat burner as an excuse to skip the gym when they’re tired (often because they aren’t eating enough) or short on time, in the mistaken belief that it will do the job instead of exercise. But even if your fat burner does mobilise fat you still need to exercise to burn it off or it will just continue to be stored.”

Katie Dunlop, creator of the workout and health community Love Sweat Fitness, lost the 45 pounds she gained in college by ditching fad diets and trendy workout plans. She follows three simple rules: have a clear “why,” dream big, and plan small. “For years the only ‘why’ I had was to be skinny so I’ll fit in better and boys will like me,” Dunlop told INSIDER. “It’s sad but true, and I don’t think I was alone in that very superficial reasoning.” When she finally hit her breaking point, she was 45 pounds heavier than she wanted to be, dealing with depression, and facing the lowest point in her life. That flipped the switch and was the moment her “why” changed.

Sipping some water throughout the day is one of the easiest ways to shave off some excess weight. A review of research published in 2016 in Frontiers in Nutrition confirmed that increased water intake is positively associated with weight loss—so before you grab a snack, make sure you’re not mistaking that thirst cue for a hunger pang.

“Whether you’re trying to lose weight or manage your cholesterol, the 2019 Best Diets rankings provide each person a chance to evaluate what eating plan will work best for them and their particular needs,” said Angela Haupt, Assistant Managing Editor of Health at U.S. News. “By profiling and providing in-depth data on more than 40 diets, as well as sample meals, consumers can rely on U.S. News for the tools they need to feel empowered to make well-informed lifestyle and wellness changes.” As we say, there’s no one diet to suit every single person. What will work for someone might not suit your particular goals or lifestyle. Read more info at Weight loss guides.

Legal assistance when dealing with personal injury issues

Looking for personal injury lawsuit tips? Here are some tips for maximizing your chances. Most people are familiar with the phrase that states that everything you say can and will be held against you in a court of law. Unfortunately, not all people realize that this phrase also applies to what you say on social media. If you’re claiming devastating injuries, but your Facebook page tells a different story, it can ruin your case. The other side is watching, and your best bet is to keep quiet and let your attorney do the talking. It’s also a good rule of thumb not to talk about any aspect of your injury case with anyone, or anywhere until a settlement is reached.

If at some point you feel negotiations are not going as you’d hoped, you may consider talking to a lawyer. An attorney should be consulted when any of the following are true: You are demanding compensation for serious injuries and pain and suffering beyond a few thousand dollars. An insurance adjuster is unlikely to take an unrepresented claimant seriously — and offer a fair settlement — when the damages are in the tens of thousands of dollars or more.

Keep a diary of all of your complaints and limitations on your physical activities. This will help you remember details many months later when you are required to provide a statement or testify about how your injuries impacted your daily life. Start thinking about the witnesses you may need in the future. It may be necessary someday to have friends, neighbors or co-workers testify regarding your disability and pain and suffering.

Personal injury lawsuit and social media : First off—regardless of what you plan on posting—it’s typically a good idea to ensure your personal social media accounts are set to private. This prevents outside parties from being able to easily comb through everything you publish online. However, no matter what your privacy settings, you should refrain from posting anything relating to your personal injury case. This includes meetings, doctor’s visits, and any interactions with your insurance company. Anything relating to your case is best kept off social media.

If you have ever watched lawsuits go on in documentaries, you know how boring and time consuming it can be, it is this site’s job to help you with this process. We promise you that our site will differ from others as it strives to produce legal content that will go the extra mile to explain each detail that the title entails. We know the struggle of filing a lawsuit or finding a lawyer and we are here to help. See more info at personal injury lawyers.

Software development outsourcing services

The internet transformed completely the way we do things and interact. Do you need a software program ? No need to create your own software development firm, you can outsource the job!

What is outsourcing ? Outsourcing is the business practice of hiring a party outside a company to perform services and create goods that traditionally were performed in-house by the company’s own employees and staff. Outsourcing is a practice usually undertaken by companies as a cost-cutting measure. As such, it can affect a wide range of jobs, ranging from customer support to manufacturing to the back office. Outsourcing was first recognized as a business strategy in 1989 and became an integral part of business economics throughout the 1990s. The practice of outsourcing is subject to considerable controversy in many countries.

Sometimes it’s just not cost-effective to expand operations internally. This can apply to equipment or your location. Example: If the growth of your business has resulted in an increased need for office space, outsource some simple operations such as telemarketing or data entry to reduce the need for space. It might cost far less than expanding your base in a pricey location if that’s even possible, and it would be more efficient and less expensive than relocating.

Your outsourcing partner, with their skilled expertise will produce quality deliverables faster, increasing your turn around time to the customer. With on-time deliveries and high-quality services your customers will be delighted! Outsourcing can help you benefit from increased customer satisfaction and thus creating a stream of loyal customers. All the benefits listed above come with the bonus benefit of lower cost and big savings! When you outsource services like medical billing, call center and teleradiology, etc. to a low-cost country like Bulgaria, you are getting access to quality services that are offered at a much lower cost (You can save up to 60% costs)! Maintaining an infrastructure can be an extra burden for some businesses, which outsourcing can remove.

When you outsource your business needs to an outsourcing partner like CoreCoda, they bring years of experience in business practices and expertise in delivering complex outsourcing projects. Thus, they can do the job better with their knowledge and understanding of the domain. This leads to an increase in productivity and efficiency in the process thereby contributing to the bottom-line of your company.

Keeping operations lightweight and running your eCommerce platforms customer-centric is key in a competing world of online merchants. Our specialists build platforms that integrate into your workflow. They can also connect you to trading platforms such as Amazon. A professional UX/UI design for your website or mobile app is very important for making your project highly successful and retaining loyal visitors. Our experienced Graphic Designers will engage in your projects from Design to User Experience. See more info at Software Outsourcing Services.

With hundreds of happy clients, CodeCoda has a proven track record of delivering top notch Software Products. Once our experienced staff engages with your project, we’ll transform it into a working and living process, which guarantees a successful outcome. Not everybody is an expert, so we’ll guide you through the process to make your custom works a success! What CodeCoda is about can’t really fit in words, but, we have a demanding set of features, on which we won’t compromise. We don’t accept anything but excellence. From Customer Support and Onboarding, throughout the development process and product delivery, this is what we stand for.

Managing a team of experts and resources, as well as the assets behind the scenes. Project Management is one of the most undervalued tasks in the context of outsourced execution of projects. Our experienced Outsourced Project Managers work with your technical or business departments to guarantee the flawless process of integration work, executed by our technical experts. All our Project Managers are trained battle proven industry experts with experience in a variety of industries, managing communications, teams, processes, monitoring, development and product delivery. Project management is an essential part of any outsourced activity and integral part of what we do. Additionally we provide Project Management Outsourcing Services (PM-O), which allows you to hire a highly qualified PM for third party projects, or even to take on tasks for your internal business departments – all on demand!

Source: https://codecoda.com/en

Where do you get divorce support?

Divorce is a very hard situation and nobody should get through it alone. Where do you get divorce guide? You know that thing that you found shocking? The line your spouse crossed? That act of betrayal that you and everyone you know is shocked and appalled by? The court doesn’t care. Short of provable acts of abuse or addiction they don’t give a shit. Ultimately, the court is there to divvy up property not mete out vengeance. You’re never going to have that Perry Mason moment where your ex gets on the stand and has to admit to his or her douchebaggery. They just want to figure out who’s getting the couch and where the kids go on Christmas.

If you have debt in your name, like credit cards or student loans, you will want to pay those debts down as much as possible before a divorce. Most American families spend close to their entire income, if not more, and when one household becomes two, there is often not enough money to pay the both sets of expenses unless something changes. You may have to cut down disposable purchases, sell your car and get a less expensive model, or maybe sell the house. If your spouse does not voluntarily support you and the children, your remedy is to ask the Court to order support. You will not have a good prediction of any of this and you will not know the answers for sure until the agreement is signed or the judge makes a ruling. But, the point is to think about it and identify problems and possible solutions. Then take the actions that you can take and avoid missteps.

Allow time to fully heal and reconnect with yourself before entering another relationship of any kind. The process of divorce is emotionally grueling. There is a lot to sift through and heal from. This is not the time to look to soothe oneself by entering another relationship. People make this mistake all the time. I personally went into a rebound relationship with someone who was sadder than I (like truly attracts like). It devastated me when it ended because I sought happiness and fulfillment outside of myself. This only leads to the same pattern to happen again. Learning this hard lesson pushed me forward and transformed me. I have a totally different mindset toward unconditional love and relationships now and I share this with my clients all the time.

This is a very bad idea for two reasons. First, except in extremely egregious cases, most courts won’t punish your spouse financially for being a bad person. Second, hiring an attorney to punish your spouse will cost you because your attorney will need to increase the number of hours spent on your case. Increased attorney hours means higher divorce costs, and higher divorce costs means there will be fewer assets and cash left for you and your family. Try to take the emotion out of your divorce, and treat your case as a business arrangement. The best revenge is to live well after the divorce is over.

Letting go of our unwanted items bought for our one-time dreams can bring joy and happiness to the next owner of the item, while providing them with high quality wedding items and other items at a fraction of the cost! Our very wise brides and grooms understand that diamonds are millions of years old and the vast majority are already recycled through jewelers and pawn shops, they understand that a 10K dress worn for a few hours can be purchased at 50% or more less than retail. Not only selling but buying too makes sense for everyone. Read more details on Divorce community.

iPhone repair advices

iPhone repair tips and other mobile phones tips and tricks. The first thing to do is check if your phone insurance covers cracked screens, and under what conditions. If so, arranging a fix should be straightforward. In most cases, the main problem is going to be without your phone for a few days. That’s as bad as it gets (although you might have to pay an excess charge). The problems with cracked smartphone screens start when it transpires you cannot get a replacement screen on the insurance. When this happens, you’ll need to take matters into your own hands.

If the phone is seriously damaged, get it backed up as quickly as you can, making sure all your photos and videos and important files are saved somewhere else just in case it dies completely and you can’t get it working again. If it’s already stopped functioning, then a professional repair is probably your best bet. Here are the solutions, in ascending order of professionalism. It is possible to replace a phone screen on your own. We’ll refer you to iFixit for their excellent, step-by-step guide with photos. A few key things to keep in mind here: Before you decide to go this route, look into the cost of the replacement screen. Today’s phone screens, which incorporate touch interaction and possibly biometric sensors, don’t come cheap.

If you are enrolled in a device protection program with your phone company, you may make an insurance claim to have it fixed by a contracted technician. Verizon, for example, contracts from Asurion, which can get your phone fixed within one business day. Otherwise, a quick Internet search should give you a list of phone screen repair stores around your area. The Huffington Post called a repair store in Manhattan for an estimate and learned that the work would take exactly 25 minutes and cost over $100. Just make sure your phone is protected by a password before you hand it off to a stranger.

Toothpaste gives you nice breath AND hides the scratches on your phone. This method can fix a small scratch, or at least hide it. Put a tiny bit of toothpaste on a cotton bud and rub it on the scratch, making sure it doesn’t find its way into headphone sockets, buttons or other vulnerable parts of your device. It will make your phone minty fresh, although it won’t restore it to mint condition. But this is amateur stuff, i recommend to see a professional. See more details on Cracked screen repair in Colorado Springs.

Laptop reviews

There are many budget laptops options in 2019, for this reason i believe any potential buyer should inform himself before purchasing and laptop. Let’s see a few of the best laptops in 2019.

Laptops with 14- to 15.6-inch screens are the most popular, because they hit the sweet spot between portability and features that most users find desirable. Yes, they may weigh a few more pounds than their smaller-screen siblings, but in return you get easy reading on a larger screen, more room for various I/O ports, better internal components, and extra battery cells. You’re up to 3 or 4 pounds in weight at this screen size, but that’s still easy to carry around an office building or your home.

When it comes to the best Chromebook laptop, you have a choice between two stark alternatives. There’s the premium Chromebook Pixel, which we list further down this page, and then there’s the excellent Asus Chromebook Flip C302, which combines premium features in a much more affordable package. For many people, Chromebooks are excellent and affordable laptops that are perfect for students, and the Asus Chromebook Flip C302 is easily one of the best Chromebooks, and one of the best laptops, money can buy. It comes with an Intel Core processor, full 1080p display, touchscreen, backlit keyboard and USB-C port.

If you prefer macOS or need great tech support, Apple’s 13-inch MacBook Air usually offers the best combination of size, weight, and speed. It’s great for the same people a Windows ultrabook is good for, including writers, office workers, commuters, and college students. Expect to pay around $1,200 for one with good enough specs and storage to last you three to four years. MacBooks are even more expensive than Windows ultrabooks—the 13-inch Air usually costs a bit more for similar specs. And like Windows ultrabooks, our recommended configuration for most people lacks the processing power to play demanding games or do professional 3D modeling. Read more details at best laptops.

The Asus ZenBook 15‘s colourful and lightweight style is complemented by exceptional battery life and excellent performance, thanks in part to it being powered by an Intel Core i7-8565U, an Intel processor that’s designed specifically of high-end laptops. It features a nifty ‘ErgoLift’ design, which makes for a more comfortable typing position, and also lets warm air escape from the main vent more easily. As well as that, the ZenBook 15 gives you plenty of ports – two Type-A USBs, Type-C USB, HDMI, and SD card slot. The only real downside here is the lack of an Ethernet port, but that’s mitigated by the fact that you get a USB-A-to-Ethernet adapter in the box. This means if you need a laptop primarily for writing reports, essays and articles on, you won’t have to shell out for multiple dongles in order for you to your work done, and the long lasting battery means you can work for over ten hours without having to reach for your charger. The Asus ZenBook 15 isn’t cheap, but it’s a solid investment.

Teeth whitening advices

Teeth whitening advices. One simple strategy can help maintain white teeth: brush. Brush at least twice daily. Even better, brush after every meal and snack. Brushing helps prevent stains and yellow teeth, especially at the gum line. Both electric and sonic toothbrushes may be superior to traditional toothbrushes in removing plaque and surface stains on teeth. Also, don’t forget to floss and use an antiseptic mouthwash daily.

Use Activated Charcoal: Activated charcoal is one of the easiest and most inexpensive ways to naturally whiten your teeth. Crush up one charcoal tablet into a powder. Dip your clean wet toothbrush into it, and brush your teeth as you normally do.

Whitening isn’t a one-time thing and won’t last forever. Teeth are always yellowing as part of the aging process. They’re also always becoming stained by the foods and drinks we consume. No matter where or how you whiten your teeth, it won’t last forever. Most teeth whitening results last from 6 months up to 2 years. The length of time depends on how easily your teeth stain, as well as your diet and lifestyle.

The practice philosophy focuses on each individual team member providing an exceptional standard of patient care to ensure our patients expectations are exceeded. This team philosophy is supported by superior technical skills using advanced equipment and materials in a caring, clean and welcoming environment. Our aim is to make your visit to the practice as comfortable as possible while ensuring that we are at the forefront of the latest dental techniques. At 75 Harley Street we provide a wide range of dental services including dental implants to patients of all ages from across the UK and abroad. Our dental team comprises of American (USA) and British qualified dentists, specialists and Hygienists, who are highly qualified, patient focused and commited to offering a first class service in a relaxed enviroment.

We are a real advocate in offering all possible treatment solutions to our patients and spend a significant amount of time discussing the pros and cons to allow our patients to choose options that are best for them. We do not treat two patients the same and we listen to their needs and concerns and design a plan that addresses their specific issues. Our plans also provide the patients with a guide as to what will happen and when as well as providing a financial timeline. The treatment time can be slowed or sped up depending on patients time constraints or financial restrictions and we will always be open to discussion. See more details at Harley Street dentist.

Pakistan real estate and the best cities to buy a property

Pakistan is a very fast developing country and investing in real estate here is a very good decision. We will discuss the best cities to buy property and also introduce you to smartest property portal for real estate business in Pakistan.

I have generally seen a lot of Expats looking to buy houses in Pakistan either for investment or as a holiday home. I mean seriously no matter how rich you are spending money on unproductive assets is just lame. While the plots appreciate over time in price the Houses depreciate as the construction gets older. Also if you have purchased it as a holiday home you will have to pay a substantial amount every year for its maintenance. Even if you rent your house out it is not worth it as the returns usually are even less than 3% annually. I always recommend that buy commercial properties for rental purposes or apartments.

Buying plots at lower prices with the aim of selling them on higher rates is one of the most common practices of real estate investment in Pakistan. In this activity, investors buy plots and keep them holding until their prices mount up. This increase is subjected to the time and the development of the involved project. This technique mostly gives healthy returns and can be quite lucrative. All you need is to judge the situation wisely and stay patient until the right time came to release your property.

Since residential and commercial properties are not documented at their current market values in Pakistan, it is an impossible undertaking to determine the worth of the real estate sector. However, FBR released data and industry surveys estimate that the industry is worth around $700 billion (source: Lamudi Real Estate Market Report Pakistan 2015). Real estate and construction, together, account for approximately two percent of Pakistan’s total GDP. Not only does it generate a high level of direct employment, the sector also stimulates demand in more than 250 ancillary sectors, including cement, steel, paint, brick, building materials and consumer durables, to name a few.

Lahore, Karachi, Islamabad, Faisalabad are considered the best cities for real estate business. But there are also a lot of other interesting areas so , to get the bigger complete picture, you should inform yourself on the most complete real estate portal for Pakistan, which is Graana.com.

Welcome to Graana.com – Pakistan’s Smartest Property Portal! For more than a decade our intention has been to revolutionise the real estate industry in Pakistan. The same belief drove the vision of our real estate team, Graana; where quality beats quantity. See more details on Plots for sale Pakistan.

Our story begins with Shafiq Akbar’s dream of transforming the way Pakistan’s real estate operates. After spending a decade and a half creating a stellar reputation in the UK’s real estate market by completing more than 55 successful projects, he longed to return to his home to encourage professionalism and transparency in the real estate sector.