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3 best Payment processing companies for retail businesses

Although the 21st century has been a great year for eCommerce, retail businesses still hold a significant degree of importance among customers. Take groceries for example. Households still opt to go to the store and physically pick out fruits and veggies. Other businesses such as dry cleaning and car maintenance services have experienced little shake-ups from the advancement of online retailing. However, there is one business trend they can’t avoid: credit cards.

No one carries significant amounts of cash in the wallet anymore. If yours is a brick-and-mortar business where the customer comes to you, you should be able to accept credit cards as a form of payment. A merchant account is the only reasonable way of enabling customers to make card payments. However, there is a growing number of account providers that give the industry a bad name. The internet is filled with client complaints against high fees, shady sales representatives and poor after-contract customer service.

Nonetheless, good merchant account companies exist, some of which come highly recommended by experts in the field. Below are three of the best providers of payment services for traditional retail stores in the US.

  1. EMerchantBroker (EMB)


EMB gained traction as a payment solutions provider for online merchants, but they now provide excellent processing services to the traditional business types as well. These include point-of sale systems, integrated gateways and mobile payment options. Maintaining a thoroughly satisfied client base is not easy, but the company’s staff is one of the highest rated in the industry when it comes to customer support.


Moreover, high-risk retailers who might find it hard to acquire card payment services have a reliable helping hand with EMB, which has been consistently voted the best high-risk provider by industry experts.


  1. Fattmerchant


For merchants, Fattmerchant offers everything; from traditional payment options and mobile solutions, to an online shopping cart for retail websites. Additionally, Fattmerchant provides EMV-compliant credit card terminals and point-of-sale systems. Clients are also encouraged to buy their own terminals, after which the firm will program them to work with their services for free.


Fattmerchant prides itself in low cost and transparent plans, which involve a higher monthly fee but no markup charges, added PCI compliance payments or other hidden side-fees. This can lead to significant savings in overall costs.


  1. PayJunction


PayJunction’s success is mainly attributed to their unique policy of providing a paperless solution to transaction processing. It achieves this by enabling a merchant to use both a virtual terminal and their proprietary Smart Terminal card reader to send customer receipts via email. This eliminates the necessity to store hard copies of the receipts, as all transaction data is stored online. PayJunction works best for clients that process over $10,000 worth of credit cards, because these clients incur no monthly account fees. All credit card transactions are processed at interchange + 0.75%


Every retail business has its own unique needs, but with the companies profiled above, it is virtually impossible to get it wrong.




Wolfgang Schaeuble Pushes To Stabilise EU

Wolfgang Schaeuble is pushing for stability in the European Union (EU). The German Finance Minister has stated that the recent British referendum should not be allowed to weaken the union. He urged leaders to do everything possible to maintain stability within the union, especially through implementing policies that support it.

Economic stability is one of the main purposes of the European Union. That is backed through trade among European nations, all of which are to benefit equally from the free movement of goods and services through the geographic region. The average annual rate of growth in the region has been 1.70%. The highest rate of growth for any quarter has been 4.60%. Eurozone GDP growth has been less than 1% throughout 2016. ]

Factors such as problems in the French economy have affected the overall growth rate within the union, causing members like Britain to consider pulling out. France is one of the largest economies in the Eurozone, so any decline in its growth rate will significantly affect the overall growth of the region. Joblessness in the zone currently hovers at around 10%.

Although the United Kingdom has voted to exit the union, the process is not simple. It could take as many as five years for Britain to completely withdraw from the zone. For his own part, Mr.Schaeuble has encouraged restraint in spending in Germany. He has developed a budget for Germany which should impart stability in times which often seem unpredictable. With less of a feeling of uncertainty, the Finance Minister seems to be upbeat about the future of Europe’s economy. He is confident that the European economy has never seen better times.

Mr.Schaeuble’s position is based on data which shows unemployment at the lowest it has been in 25 years. He states that wages have also been rising throughout the years, indicating that more people are working and those people are earning more than they have in the past. That means there should, in theory, be more money available for spending on consumer products.

Finance Minister Schaeuble has urged global regulators to avoid punitive measures for Europe and other regions as countries aim to meet new bank capital requirements. He emphasised the common methods of operation of banks in Europe. Being united tends to give banks in the Eurozone more authority to speak as one. This decreases the possibility that an individual bank or single nation may see a sizable increase in capital requirements.

With the fluctuations in inflation facing the Eurozone, a number of member states do not think now is the time to be focused on theoretical plans that cannot be supported by changes to existing treaties. The United Kingdom has already made a decision that directly impacts their ability to access employment in other parts of Europe. They did this hoping to have the zone change but are finding that there is a wide disparity between what they want and what the bloc is prepared to give.

Eurozone members aim to find solutions for urgent problems, including the deflationary trap facing the bloc. Together, they aim to find ways of improving the Juncker Fund. This was established in order to remove obstacles to investment. Since 2011, Mr. Schaeuble has emphasised the role that policymakers play in helping to keep the region’s currency stable.

When the Euro faced uncertain times in 2011, he was the one whose pronouncements helped to focus the efforts of leaders across the zone. He asserted that politicians would keep the Euro from devaluing and policymakers would keep the zone unified. Germany is the largest economy in Europe and has always played an important role in guiding policy which manages debt and keeps inflation headed in the right direction. Together, countries in the Eurozone have encouraged each other to overcome crises.

Sometimes tough austerity measures are needed to overcome debt. Each country in the zone has guidelines for the ratio of their debt to their GDP. With supporting policies from other member countries, they have worked hard to meet these and stabilise the currency. Forex traders who buy and sell the Euro through CMC Markets or other providers can be assured that with greater unity, the currency will be backed by increased confidence in all the markets.


How Well the Wealth Management Advisors Fit In Your Financial Plan?

While approaching the investors, there are a good number of wealth managers who present themselves as the trusted advisors. Now the biggest question for the investor or the service holder is whether to develop any such relationship with an individual who is compensated for selling a particular product, or should he go for a wealth manager who delivers his service without any conflict of interest between the firm and the clients. Since, more and more of independent advisors grow in the market; the question automatically comes out large and big in front of the investors. It is their decision on which counts how long will they move financially sound in their life.

One of the biggest complaints that reputed wealth management concerns like Dwyer and Associates feel coming their way from the investors is that they are being steered to invest their money on some specific products. Frequently, these products are being managed and manufactured by the firms that employ the relationship manager. These products might be mutual funds, the managed accounts or even partnerships of certain brands or established companies in the market. This policy of working actually holds true for the brokerage firms and investment banks that make their living by reinvesting the same worth again and again on similar products and grounds. In most of the cases, the compensation that these trusted advisors receive depends on the number of the products that they can sell. With such type of motivation working for the brokers, it makes complete sense for the investors to ask if their interest is being prioritized at all.

Most of the large investment services find that there’s a growing lack of trust amongst the investors which make them loose their customer base slowly. In order to regain their faith, these firms, create a platform where they put a limited number of outside advisors apart from what they offer. This helps their customers to cross check whether the policies sold by these firms will at all help their financial condition. These services are generally presented in the form of wrap programs which entails a good amount of fee. The wrap fee generally includes the charge of the investment manager, the advisor who comes from outside, and the charges of the advisor’s employer. They might be convenient for a few, but while considered on the fair value, it is indeed an extra charge that is being paid by the investor.

Going by the aesthetic sense of investing, when an investor lands up for some advice, it is the responsibility of the wealth management services to deliver the best that they have in their inventory. If the investor needs to pay extra just to cross check the credibility of the advice delivered to them by the experts, then it makes no sense to avail by the expert service. With multiple choices available in the market, it really gets complicated for the investors to determine which sector to choose and which not. Upon all these, if they need to worry about the credibility of the expert service that they avail for, then it gets lot tougher for them.

Although the market is being filled with nincompoops, there are a few who still believe in being truthful and have some morale, and one such name is Dwyer and Associates. Their reputation stands as their hallmark and they’ve proved their worth. Go for them, make sure you investment is put in the safest hands.

Stem Cells – What are the Potential Uses

If the term stem cell seems unfamiliar to you, it is nothing surprising. World is waking up to the stem cell research and the importance of stem cell production in medical science. These are biological cells which can be turned into specialized cells. Stem cells don’t have any fundamental structure. Due to this unlike other cells these don’t act in certain ways. Also, unlike other cells these can produced specialized cells, including heart tissue, blood cells and nerve tissues.

Alexander Potoczak is a researcher who has spent a lot of time exploring stem cells and its’ various properties. He has gathered ample information about stem cells and its’ use in the modern science. Alex has observed that in mammals two different types of stem cells can be found – embryonic cells and adult stem cell. Embryonic stem cells are separated from the other inner cells. On the other hand adult stem cells can be found in other tissues as well.

When it comes to adult organisms, stem cells act as a repairing system for the body tissues. It can be used to repair the damaged and torn tissues. If it is used properly in a developing embryo the stem cell can differentiate itself into specialized cells. However, it still maintains the actual regenerative organs like blood, skin or other tissues.

Alexander Potoczak says stem cells regardless of its source in the body come with three major properties. Self-renewal is one of them. It has the capability go through various processes of cell division. However, it does not lose its fundamental property while doing so. It still remains unspecialized. Two different organisms ensure that the stem cell multiplication is maintained. Stem cells usually divide into a main cell which is known as the mother cell. This cell is similar to the actual stem cell. Another division of the stem cell is known as the daughter cell. This one is different from the actual one. In case a stem cell gets divided into two different cells, meaning two daughter cells, another stem cell produces two different original cells.

It is not difficult to identify the stem cells. Alexander Potoczak says that usually, they are identified by the fact whether they can produce tissues. There are numerous ways the stem cells can be used in studies and clinics. Exploring different properties of stem cell promises to produce information about many complex human development. The main objective of this study is to find out how unspecialized cell can turn into specialized cells. Also, how such cells can produce tissues of various kind. Most of the complex medical situations including cancer arises due to the abnormal cell divisions.

An in-depth study is sure to produce more information about such serious disease and help the scientists understand how the cell division causes them. Controlling cell multiplication requires more study of molecular signals that ensure cell division. Stem cells that are found in human body are being tested for different purposes. Alex says the most important use of the stem cells is the production of the cells which can help in cell therapy.