Category: Finance

North American Bancard agent program tips and merchant services business opportunities? Merchant services go beyond payment processing. Payment processing is the backbone of merchant services, encompassing the entire process of transferring payment from buyer to seller. This includes the payment device (the POS system), the payment software, the security software that protects the transaction data the payment record, and the transaction itself. Merchant services go beyond just debit and credit card transactions.

Typical payout terms you can expect are either daily or weekly, with 1-7 day delay time for each. In many cases a daily payout with very short delay will be granted only if you are assessed as low-risk, or most usually after you spend processing with the provider for couple of months and have enough volume to support that. Contract Terms and Periods: Don’t be surprised when you’ll see that every provider wants to impose a Rolling Reserve to your account. This is a standard measure to lower the risk exposure of provider in case of excessive chargebacks or refunds. Typical Rolling Reserve is between 3-10% for the period of 90 or 180 days. As with payout terms, keep in mind this can be negotiated, especially after your company spends couple of months processing payments with the provider.

By using the advancements in online payment gateway systems, merchants now have the advantage of localizing their customer’s shopping experience. As a result, the financial institutions and payments companies are fast adopting different emerging technologies to stay in form. In this piece, we explore the ways technological applications are revolutionizing the online payment space. This also includes providing offers and relevant information such as local price conversions based on various consumer’s geo-locations and possibly IP-addresses.

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. Discover even more details at North American Bancard Agent Program.

Ameripro surety bond guides? The Florida notary bond is a $7,500 “instant issue” bond which costs just $50. The bond is required by the Florida Secretary of State as a prerequisite for licensing. Our agency will file the paperwork filed on your behalf, as required by the state secretary. Call us at 844-589-9732. Florida notaries are licensed and regulated by the Florida Secretary of State, Notary Commission. Notary licenses, once granted, are good for 4 years. The $7,500 notary surety bond required is purchased once and lasts for the duration of the notary commission.

The Virginia contractor license bond is a financial guarantee that a contractor will be in compliance with all statutes, amendments, additions, and deletions relating to any laws governing contracting in the Commonwealth. The protections afforded by means of this surety bond extend to residents of the Commonwealth and DPOR. The contractor surety bond, broadly speaking, protects against acts of theft, misrepresentation, malfeasance and misfeasance in the performance of contracting duties. Such protections also extend to wrongful acts committed by any employees, agents, and managers of a licensed and bonded contractor whose actions or misdeeds harm the public.

The Occupational License Division requires a DMV register service individual or business to post a surety bond for $25,000 on its behalf. AmeriPro Surety Bonds will help you obtain your registration service bond very quickly. Once purchased, you will need to file the bond with the Occupational Licensing Department. This surety bond is purchased by the individual on behalf of the DMV and the consumer public. The bond protects the public from any acts of negligence or fraud on the part of the registration service business. It is not, therefore, insurance which protects the registration service business. For this latter, you may wish to look into purchasing an insurance liability policy. Find extra details on Arizona notary bond.

For any probate surety bond up to and including $100,000, our agency offers this bond to you immediately after the completion of an application, supplying the court documents ordering the surety bond, and payment of the premium. There is no credit check nor underwriter review for probate surety bonds of any category up to a $100,000 surety requirement. The bond is issued to you immediately after payment of the premium.

Our focus is exclusively surety bonds. We have two areas of concentration: YOU, our customer; and providing you with the surety bond that you need. Whether the bond is an “instant issue”; is for a contractor; a court bond; or one for a client with lower credit scores, AmeriPro Surety Bonds dedicates itself to providing our customers with a seamless, professional, and quick surety bond experience. Read extra info at https://ameriprosuretybonds.com/.

Bankruptcy attorney Houston, TX and chapter 7 guides: 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.

Student loan interest paid by you or someone else: In the past, if parents or someone else paid back a student loan incurred by a student, no one got a tax break. To get a deduction, the law said that you had to be both liable for the debt and actually pay it yourself. But now there’s an exception. You may know that you might be eligible to take a deduction but even if someone else pays back the loan, the IRS treats it as though they gave you the money, and you then paid the debt. So, a student who’s not claimed as a dependent can qualify to deduct up to $2,500 of student loan interest paid by you or by someone else.

Your creditor could also object and keep certain debts from getting discharged. For example, a credit card company could object to the debt from recent luxury goods purchases or cash advances, and the court may decide you still need to repay this portion of the credit card’s balance. Additionally, a Chapter 7 bankruptcy may discharge the debt you owe on secured loans. Secured loans are those backed by collateral, such as your home for a mortgage, or when a creditor has a lien on your property. However, even if the debt is discharged, the creditor may still have the right to foreclose on or repossess your property. Find more details at chapter 7 bankruptcy Houston.

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.

Avoid Taxes on an RMD with a Charitable Donation: Seniors who have a traditional 401(k) or IRA must take a required minimum distribution each year once they reach age 70 1/2. Those who don’t need this money for living expenses may want to consider having it sent directly to a charity as a qualified charitable distribution. “It’s basically a check issued from the IRA and made out to the charity,” Zollars says. This prevents the money from becoming taxable income and could help reduce the amount of Social Security retirement benefits that are deemed taxable, too.

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 extra information at https://dovebankruptcylaw.com/.

Meet Jack Brown from Invest Islands and some of his philosophy: With a deep-rooted passion for sustainable development, nothing brings Jack more satisfaction than helping investors realise their dreams of owning a slice of paradise and ensuring they exit with an excellent return. Jack is particularly proud of the Invest Islands Foundation who work hard to improve the quality of life of the local communities in Lombok including building a school and building a new recycling centre for waste collected from the ocean.

Invest Islands Jack Brown about investment opportunities in Hong Kong : “Operating across the Asia Pacific region, Invest Islands is a land brokerage company based in Lombok Indonesia, with strategic offices in Hong Kong under Asian Island Group. I currently oversee all of the aspects of the Asian Island Group. I also travel to the development sites and visit the Invest Islands Foundation Charity projects. Additionally, I frequently travel to the plantation field at the foot of Mount Rinjani that supplies fresh fruits and vegetables to the Invest Islands Resort in Torok Bay.”

“Inspired by Kevin’s vision, I saw an incredible opportunity to build something special with Invest Islands”, Jack says, “Together with our motivated, educated and passionate team, we believe Indonesia is an incredibly exciting market for the right kind of responsible and respectful development.” The role of Jack Brown in Invest Islands is a truly valuable one. Jack is as diligent with the documentation as he is passionate about championing sustainable development in Indonesia, which he sees as Asia’s most profitable and worthwhile investment opportunity. Working out of the office in Hong Kong, he happily makes regular trips to Lombok to development projects and sites like the plantation field at the foot of Mount Rinjani, which supplies fresh fruits and vegetables to the company’s resort in Torok Bay and other developments.

Rating agency Moody’s Investor Service (Moody’s) increased the Republic of Indonesia National Credit Rating (SCR) from Baa3 / Positive Outlook to Stable Baa2 / Outlook on April 13, 2018.. As the country’s vulnerability to external shocks declines; macroeconomic stability and fiscal discipline, coupled with ongoing reforms, suggest that policy effectiveness is improving. Standard & Poor’s credit rating for Indonesia stands at BB+ with a positive outlook. Fitch’s credit rating for Indonesia was last reported at BBB- with a positive outlook.

Going about his work with an infectious smile, Jack fills rare moments of downtime exploring his interest in art as well as travelling to Barcelona, where he invested in property in 2016, and back to Scotland to see friends and family. Read extra info at Jack Brown Invest Islands.

Purchase cryptocurrency with SOFORT bank transfers? So here we have the European offshoot of Binance, Binance Jersey. This is the second exchange launched by Binance. And it was launched to help European users get into Binance depositing funds from their bank accounts. So Binance Jersey is a perfect option for anyone that wants to buy Bitcoin with a bank transfer. But they are only open for European users. So Americans have to use Binance US and the rest should use traditional Binance.

Technically speaking, cryptocurrencies are transactions or entries targeted in a restricted database. Specific conditions must be met to modify these transactions. Created with cryptography, transactions are protected with mathematics, not with people. Transactions are published in a database, but it is a special type of database that is shared is a peer-to-peer network.

FOMO is an abbreviation for the fear of missing out. This is one of the most notorious reasons as to why many traders fail in the art. From an outside point of view, it is never a good scene seeing people make massive profits within minutes from pumped-up coins. Honestly, I never like such situations any more than you do. But I’ll tell you one thing that’s for sure, Beware of that moment when the green candles seem to be screaming at you and telling to you to jump in. It is at this point that the whales I mentioned earlier will be smiling and watching you buy the coins they bought earlier at very low prices. Guess what normally follows? These coins usually end up in the hands of small traders and the next thing that happens is for the red candles to start popping up due to an oversupply and, voila, losses start trickling in.

Anycoin Direct offers bitcoins for a fee of 4.17% for traders that wish to get bitcoins through this platform. Additionally, you can purchase up to €400 daily and €1.000 monthly worth of BTCs with the only phone number being verified form your side. Do take into account that 7 days since your first transaction should pass before you are granted these limits. In case you wish to upgrade your trading level, the verification process, apart from scanned ID and proof of address, would require you to have an online video chat with Anycoin’s employee. Discover extra information at buy bitcoin with sofort banking.

Figure out if you want to go for longterm trades or short term trades. Are you going for short term trades with every penny you have to invest, or are you going to go for the long term with some and trading short term with some? Long-term investors will pay a lower tax rate if they can hold for over 12 months, but as a trade-off, they WILL have to sit through corrections (likely seeing their balance go down 50% plus on paper as often as they see it go up). Short-term investors can avoid corrections if they are nimble, but they’ll owe taxes on the profits from each trade they do along the way (see: how taxes work with cryptocurrency to understand how the long term and short term capital gains tax work with cryptocurrency).

Although online wallets have proven the most vulnerable and prone to hacking attacks, diligent security precautions need to be implemented and followed when using any wallet. Remember that no matter which wallet you use, losing your private keys will lead you to lose your money. Similarly, if your wallet gets hacked, or you send money to a scammer, there is no way to reclaim lost currency or reverse the transaction. You must take precautions and be very careful!

Now, I know this may sound obvious but it’s important for you to have a clear purpose for getting into cryptocurrency trade. Whether your purpose is to day trade or to scalp, you need to have a purpose for starting to trade cryptos. Trading digital currencies is a zero-sum game; you need to realize that for every win, there is a corresponding loss:. Someone wins; someone else loses. The cryptocurrency market is controlled by the large ‘whales’, pretty much like the ones that place thousands of Bitcoins in the market order books. And can you guess what these whales do best? They have patience; they wait for innocent traders like you and me to make a single mistake that lands our money to their hands due to avoidable mistakes. Find more information at this website.

Meet Obediah Ayton and some of his achievements? Obediah Ayton is a trust manager at Ayton Family Office Trust and a consultant at Tennor Holding B.V., an expert in family office business, AI driven accounting services, finance and accounting. Obediah Ayton about what happens when a Family Office takes the VC model: Strategies for the Search: Friends and Fellow Founders: Friends or founders in similar sectors who have previously raised from family offices are a great starter resource. This route also passes a few qualification checks around interest, size of deal, and sector preferences. Remember, there is no investment barrier or fund allocation requirement for family offices. Professional Intermediaries: Investment bankers and wealth managers who service family offices are oftentimes happy to make introductions in order to add value to their clients. Since these clients are the intermediaries crown jewels, their recommendations will first require diligence.

With a huge amount of the UAE’s wealth concentrated in the hands of high-net-worth families and individuals who are now looking for promising direct investment opportunities, SMEs are overlooking a crucial area of untapped financing. The UAE Family offices investment strategies are particularly varied with each family having their own philosophy, interests and areas of expertise and without the shorter-term objective of traditional private equity or investment banks.

Obediah Ayton on how to raise money from family offices: Not to do: Don’t pitch them without understanding their goals and objectives. Don’t brag about your track record or accomplishments. Don’t interrupt them in the middle of a conversation. Don’t be aggressive. To Finish: Do exactly what you say you are going to do. Meet for coffee or at their office in order for you to understand their goals and objectives better. Respect their privacy and don’t share any information about them with anybody else. Feel free to reach out and speak soon.

Obediah Ayton Family Trust organizes golf networking events. Ayton Family Golf Networking is an opportunity for keen golfers and high level business men and women to connect over organised round tables and a round of golf. You have a chance to deeply get to know one another as a 4 hour round of golf is better than a 30 minute meeting in an office. What are you waiting for? Contact us if you have any questions.. Why participate? The Ayton Family brings together the world’s leading experts geared toward identifying actionable strategies for generating returns in a low-rate, high volatility market. Facilitated by the Ayton family office, the golf day will provide a full day of private peer-to-peer conversation, networking and cross-border thought leadership designed to make you think about what to look out for and how to work together. Playing golf: Our attendees are business owners with one common goal; building new business opportunities and playing more golf. Members range from entrepreneurs to multinational billion dollar businesses.

Obediah Ayton about the new definition of a billionaire is not the net worth but in achieving change in a billion lives: At present, just over 50% of the relevant family offices allocate less than 10% of their portfolios to sustainable investment. However, a third of Families average portfolios will be comprised of sustainable investments and one-quarter impact investments within the next five years. Impact causes garnering the most considerable investments include those that address climate change, improve health and social care, as well as those that retain and develop employees, workplace safety and cybersecurity.

Right now is a great time to build close relationships with Family Offices for future capital raises! Moreover, diverse outreach also entails tailoring your conversations to the specifics of different family offices. Although there are general categories of offices — small single family offices, large single family offices, small multi family offices, and large multi family offices — Each firm is unique. “There is no singular template. Each family office has its own system — different sized teams, different missions, and different values.”Immediate results are not guaranteed, even with quality and diversified outreach. Quality conversations will take time to develop. Try to talk with family offices every day online and schedule face-to-face virtual meetings, and it still takes a long time to generate solid relationships, raise capital, or organize club deals. See even more information on Obediah Ayton.