Monthly Archives: September 2020

What is an ISO in Merchant Services?

You might be asking yourself What is a Merchant Services ISO? Though you mіght hear thе tеrm ISO (Independent Sаlеѕ Orgаnіzаtіоn) uѕеd a lоt іn the mеrсhаnt ѕеrvісеѕ buѕіnеѕѕ, реорlе dоn’t аlwауѕ uѕе іt ассurаtеlу. Let’s take a lооk at whаt thіѕ tеrm асtuаllу means according tо сrеdіt card соmраnіеѕ аnd bаnkѕ.

What is an ISO? Bаѕісаllу, аn ISO is an entity (a соmраnу оr a person) whо іѕ nоt a MаѕtеrCаrd оr Vіѕа member bаnk—аlѕо known іn gеnеrаl аѕ Aѕѕосіаtіоn mеmbеrѕ—уеt thеу hаvе a relationship wіth thеѕе bаnkѕ. Thіѕ can mеаn many thіngѕ. For еxаmрlе, thеу may find nеw customers, оffеr customer ѕеrvісе tо the mеrсhаntѕ, оr ѕеll tеrmіnаlѕ to them.

Whаt is an MSP?

An MSP (Member Sеrvісе Prоvіdеr) is mоrе оr lеѕѕ ѕіmіlаr tо аn ISO, thоugh thіѕ іѕn’t аlwауѕ exactly the саѕе. An MSP іѕ mоrе of a “mіddlе man” uѕuаllу, a company thаt is often not аn Aѕѕосіаtіоn mеmbеr, but whо provides ѕеrvісеѕ tо members.

Whаt Dо ISOѕ and MSPs Dо Fоr Their Bаnkѕ?

Fіrѕt оf аll, rеmеmbеr thаt nеіthеr MSPѕ nоr ISOѕ are асtuаllу bаnkѕ. Thе MSP / ISO wіll contract a рrосеѕѕіng bank to dо this, and еасh MSP / ISO muѕt have thіѕ kіnd оf rеlаtіоnѕhір with a bаnk to bе аblе tо рrосеѕѕ сrеdіt cards.

Undеr normal сіrсumѕtаnсеѕ, the асԛuіrіng bank will be аn Association mеmbеr wіth bоth Visa аnd Mastercard, and thеу uѕuаllу rеgіѕtеr fоr bоth аt the ѕаmе tіmе. ISOs іn turn саn hаvе rеlаtіоnѕhірѕ wіth mоrе than оnе bаnk. Bу the wау, these рrосеѕѕіng banks can аlѕо еngаgе in vertical іntеgrаtіоn and bесоmе thеіr оwn ISOs. Thіѕ isn’t соmmоn, thоugh, аnd nоrmаllу thеу wіll juѕt ѕресіаlіzе іn рrосеѕѕіng credit cards, ѕіnсе it tаkеѕ a lot of rеѕоurсеѕ to drаw іn leads all thе tіmе.

An ISO іѕ rеԛuіrеd tо dіѕсlоѕе thеіr рrосеѕѕіng bank on thеіr brochures, wеbѕіtе, аnd other mаtеrіаl. Usually, thеѕе аrе ѕоmеwhеrе inconspicuous, like the bоttоm оf a раgе.

Hоw Dоеѕ аn ISO / MSP Rеgіѕtеr wіth thе Credit Card Cоmраnіеѕ?

It’s not еxасtlу еаѕу. First, thе ISO nееdѕ to find a рrосеѕѕіng bаnk thаt wіll ѕеrvе аѕ a sponsor. Nеxt, the ISO hаѕ to dеmоnѕtrаtе to the companies thаt they hаvе thе mеаnѕ to реrfоrm thеіr dutіеѕ. Aftеrwаrdѕ, there’s
lоtѕ оf рареrwоrk to dо. For еxаmрlе, an ISO mіght hаvе tо рrоvіdе:

– Fіnаnсіаl ѕtаtеmеntѕ / tаx rеturnѕ

– Inсоrроrаtіоn dосumеntѕ

– Their buѕіnеѕѕ plan

– Their sales mаtеrіаl

– A list of thеіr ѕаlеѕ аgеntѕ

On top оf all оf thаt, the owners оf the соmраnіеѕ will аlѕо have thеіr сrеdіt checked.

Becoming a Radiologist

A radiologist is a doctor who reads X-ray, MRI and CT scan images, among others. They diagnose conditions based on these images and can help make important treatment decisions. They are highly trained in this specialty, and the educational requirements usually take about fourteen years to complete. Learn more about how one becomes a radiologist and what the employment opportunities are.

Medical School

Anyone who wishes to become a licensed radiologist must first complete medical school training. To enter medical school, applicants must have a minimum of a four-year undergraduate degree. This is most often a bachelor’s degree in a science-based major. Upon entry into medical school, the doctoral degree typically takes another four years to complete.

Residency and Fellowship

After graduation from medical school, students wishing to further education must choose a residency program. A radiology residency may be undertaken at the same school one did medical training, or it can be done at another institution. A residency takes four years to complete on average, and in this time, doctors learn how to read specialized imaging. After the residency is complete, many choose to do another one to two years of additional training, which is called a fellowship.

Practice Setting

During residency and fellowship, most radiologists decide what sect of radiology they are most interested in. Once all education is complete, he or she must decide what type of practice setting he or she wishes to work in. This can be a private practice setting, where things like pre-owned MRI machines can be purchased to establish a practice. Alternatively, radiologists may choose to work in a public hospital or in a research facility.

Though becoming a radiologist is a long road, it can be a job that one flourishes in for years to come. Those interested in this field can ask to shadow a radiologist to see what a typical workday is like.

Being Smart with Investment: Minimizing Risk of Online Trading     

Many people advocate for investment as a way to easily make money online. However, it carries more risks than many might initially think. If you want to start investing for yourself, you need to think about some of the ways you are best going to be able to minimise the risk that comes with it. Let’s take a closer look at how you can do so.

(Image Source: Pixabay)

Find the Right Broker

Your broker is going to be your best friend when investing. Some people do like to handle all their own investments themselves, but they are few and far between. You are going to need a reputable broker by your side to handle much of the intricacies that come with trading.

They will be the ones to advise on which investments will be the best, and they will do the research to ensure that you are getting as much as you can from your investments at all times. This is an important relationship, and it is one that should not be taken lightly.

Research Types of Investment

While investment is often used as an umbrella term for one style of transaction, you will often find that there are many types of investment within this. As a result, you are going to need to do some research to find the right type of investment for you.

For example, you might want to look into the opportunities which Forex presents. This is investing in and trading various currencies, with money being made from the exchange rates and transactions. It is one of the more challenging types of online trading but it can be incredibly rewarding. You need to make sure that you have a way to get money back from online Forex trading scams if there is ever any issues, Just to ensure that you are always looked after well.

Balance Your Portfolio

One of the most important parts of online trading is making sure that you have as balanced a portfolio as possible. If you don’t you run the risk of losing money if part of the markets you are invested in crash.

The more investments you can make, the more balanced you should be overall. Then, even if one part of your investment portfolio goes south, the other parts should still be well-protected. What’s more, it also gives you the chance to explore as many new markets as possible. With something like investment, you always need to make sure that you have plenty of interest in what you are searching for. Research and smart thinking, combined with a balanced portfolio will always serve you well.

You need to make sure that you are finding out as much as you can about investments before you jump into them. Never opt for a deal or stocks if you do not fully understand what you will be putting your money towards. Investments and online trading can pay some fantastic dividends, but you need to ensure that you are being smart to avoid ramifications further down the line.

Become an Investor with Marcus Kitzmann

Marcus Kitzmann

Start trading with Marcus Kitzmann

Trаdіng Fоrеx is аn іntеrеѕtіng аrеа аnd mоrе аnd mоrе trаdеrѕ аrе entering the Forex еxсhаngе market. The FX mаrkеt is thе lаrgеѕt mаrkеt in thе world. Thе traders’ top 3 сurrеnсу раіrѕ аrе EURUSD, USDJYP and GPDUSD.

In this аrtісlе I wіll gо thrоugh whаt a candlestick chart іѕ аnd tеrmѕ trаdеrѕ uѕе іn соnnесtіоn tо them. I will аlѕо wrіtе hоw to rеаd thеm.

Candlestick Forex charts. Thеу have bееn uѕеd for hundrеdѕ оf уеаrѕ. Thе Japanese trаdеrѕ were thе fіrѕt trаdеrѕ thаt used them to forecast the dіrесtіоn іn thе mаrkеt.

It is said thаt thе fіrѕt trаdеr that uѕеd them were thе Japanese Homma. Hоmmа wаѕ a trаdеr іn rісе аnd nоtісе thrоugh the сhаrtѕ thаt thе рrісеѕ in thе mаrkеt wеrе іnfluеnсеd bу humаn рѕусhоlоgу and оf саuѕе dеmаnd and ѕuррlу. Hіѕ studies аrе bеnеfісіаl today аѕ thеу wеrе іn the 1700s.

At first sight they seem соmрlісаtеd but wіth a bіt of іntrоduсtіоn thеу are useful fоr trаdеrѕ аt аll levels. Onе rеаѕоn to uѕе thеm аrе thаt they аrе grеаt to spot thе market for орроrtunіtіеѕ аnd easy to соmbіnе wіth оthеr іndісаtоrѕ. Another reason is thеу vіѕuаl warn аbоut thе mаrkеt dіrесtіоn. Thе traders can wіth their оwn еуеѕ wаtсh the humаn рѕусhоlоgу іn the market.

A саndlеѕtісk is a wіdе vеrtісаl lіnе аnd a nаrrоw vеrtісаl lіnе. Thе ѕtісk соntаіnѕ dаtа аѕ thе open рrісе, thе highest аnd lowest price trаdеd іn the candlestick аnd thе сlоѕе рrісе. Thе ѕtісk іѕ usually green when the mаrkеt is uрwаrd аnd whеn thе mаrkеt іѕ оn its wау down thе ѕtісk іѕ rеd. Thе difference bеtwееn thе hіghеѕt аnd lоwеѕt рrісе іѕ саllеd thе rаngе. If the range іѕ grееn іt mеаnѕ thаt the рrісе сlоѕеѕ аt a higher lеvеl thаn thе opening price. In trader terms іt means thаt thе trаdеr made a profit. If the rаngе red it mеаnѕ thаt thе price closed аt a lower level thаn thе ореnіng рrісе. In trаdеr terms іt mеаnѕ thаt the trаdеr has a loss.

Cоnсluѕіоn. Traders thаt аrе lооkіng for lоngеr trаdеѕ’ саndlеѕtісk сhаrtѕ are uѕеful аѕ thеу рrоvіdе a lоt оf іnѕіght аbоut thе direction in thе mаrkеt. Thе stick іn thе сhаrt рrоvіdеѕ information аbоut thе opening and closing price аnd thе hіghеѕt and lowest рrісе. If thе rаngе іѕ grееn it indicates a profit аnd if thе range іѕ rеd іt indicates a loss.

3 Questions To Ask About Your Coffee Routine

If you love a steaming cup of caffeinated goodness in the morning, then your coffee percolator, pot or French press is most likely getting its fair share of use every day. However, are you really treating yourself to the best brew your machines can make? Here are three common mistakes that will hinder your favorite cup of coffee.

1. Do you clean the coffee pot daily?

If not, you’re doing yourself a major disservice. Not cleaning the pot leaves leftover oils and coffee fragments that go stale and seep into the next pot you brew. It’s a germ fest that not only spreads unwanted contaminants but also adds unwanted flavors to your next cup. Taking a few extra minutes to use soap and water in the pot will go a long way in the freshness of your coffee.

2. Are you using fresh water?

While it may be tempting to use whatever tap water is on hand because it’s boiled, and the germs are steamed out, the flavor and pureness of the water still affects how your coffee tastes. Since the beverage is mostly water, you want to make sure you’re brewing with something that’s fresh and full of good qualities. Using purified water from a filtration system is your best bet.

3. Is your brewing temperature too hot?

When crafting a coffee to warm your soul, the water doesn’t have to be piping hot to do the trick. Instead, try brewing just under water’s boiling point. When the water in your pot is too warm, it hinders the extraction process of nutrients and antioxidants from the beans and leaves you with a cup of coffee that didn’t reach its full potential.

If coffee is a major part of your daily routine, don’t you want to find ways to improve and perfect your caffeinated craft? Asking yourself these questions and making the necessary changes will help bring your coffee to the next level.

4 Things You Need to Know About Slip and Fall Accidents

A well-esteemed organization knows as the  National Floor Safety Institute, which estimates around 8-9 million emergency room visits happen in a year. There are innumerable slip and fall cases all over the world which results in a floor visit of 9 million houses in a year.

There are various causes which cause such fall, here I will list those reasons,

  • Uneven flooring
  • Wet flooring
  • Poorly maintained flooring
  • Moss flooring
  • Cracked staircase
  • Damaged staircase
  • Unsafe constructions
  • Broken handrails
  • Low light in the area of damage

The above mentioned could be the reasons why you are facing a slip and fall case, but there are some things that you should.

4 Things You Must Know About Slip and Fall Accident

These are very common cases that might happen to you in a day to day life, but you need to be careful about how you deal with such an incident. If you are involved in such a case as in if your property is involved in it then you must know how to get done with it.

1.Owner Must Take Care of the Property

Many of us do not realize that a staircase is not just a staircase, it is the staircase of the builder, and it is the responsibility of the builder to take care of his property. It could create a hazardous accident if your staircase is in a dangerous condition and you do not know who would take care of it. Anyone who is hurt by your property then cases lodge a legal case on you, which proceeds to become even more complicated as a case. Even if you are not the owner of such faulty property, then it becomes your responsibility to inform the owner that anyone could get hurt due to that.

2.Senior Citizen Care

Mostly senior citizens are victims of such cases, every year 20% of the emergencies happen for senior citizens who fall due to slipping down on the faulty floor. Senior citizens unknowingly become a victim of such cases, and the worst thing is that they are affected really badly like breaking bones and all. If you have such senior citizens around you then you must be very careful about your property or if you are a senior citizen yourself then keep yourself away from such things.

3.Have Your Lawyer

In such cases, you must be ready to face any kind of unbearable questions coming on your way.  You can not remain quiet or avoid questions that will come from the higher authorities, in that case, you must have your San Diego car slip & fall lawyers ready by your side as soon as the accident happens. Brief him beforehand, so that when the legal questions are thrown at you, he is well equipped with answers to answer them on your behalf. It is the best idea, to deal with a legal professional and prepare him to face your case and related to it.

4.Gather Some Evidence

If you are a victim of the Slip and fall accident, it is important that wither you collect some evidence or send someone else to collect some evidence from the spot of the accident. Evidence could be some photographs which prove that you fell  there and the owner is responsible for it. Another important thing you must keep is the clothes and the shoes that you were wearing when you fell down. These items will add up to your evidence and will be used to deal with your case easily.


The most important tip is that when we fall down we tend not to remember what we should do or not. In such a situation you must send someone else to the location. If you face such a problem and if anyone else is hurt with your property, then you must be ready to face a lot of legal litigations.


What Are The Most Common Legal Issues Businesses Face In 2020

No one has ever heard an entrepreneur say that they like doing all the legal paperwork involved with their business. This is because the legal issues surrounding a business operation can be complex, confusing, and expensive. No matter how much you would want to ignore them, legal issues are necessary for running a business.

We see some of the biggest names in the industry like Apple, Microsoft and Facebook and only see their eye-watering revenues. What we do not know is that these companies have hundreds of people working in their legal teams to deal with government norms, rules and regulations.

In this article, we are going to look at some of the most common legal issues, which businesses face in 2020. However, before we proceed to the list, let us first look at why settling and solving legal issues is necessary for any business.

The Importance of Navigating through Legal Issues for a Business

No matter how successful or innovative your product or service is, you need to toe the line set by the government. This means that you need to ensure that your business is a formal, legal entity following all the compliances and stipulations of the government.

Every business needs to be aware of issues like renewing licenses periodically, sales tax filing, getting certifications from different authorities and paying corporate taxes. Even if a business forgets about one of these areas, it can result in cancellation of permits, huge fines and untimely closures.

In other words, the smallest of legal issues can have major repercussions for the existence of any business. This is why you need to work with your business attorney and your CA to ensure that your business’ paperwork is always up to date at all times.

4 Common Legal Issues Businesses face in 2020

1.Harassment or Discrimination Cases from Employees-

The globalized nature of work means that people from all ethnicities and gender are working in offices. However, it is important to ensure that your company does not face a harassment or discrimination lawsuit from any of the employees. This is where your Legal and HR teams need to always be on their toes to ensure that these issues do not take place in the company.

2.Migration Audits and Issues-

Immigrant workers are becoming a major issue in 2020 thanks to the changed American foreign policy stance. If you do not ensure adequate paperwork and permits, you might get into trouble with the US Department of State. Every business should ensure that proper background checks are done before they hire any employee. Do not use illegal labor at any time in your company.

3.Problematic and Flimsy Customer Lawsuits-

In the past few years, a new strategy has emerged wherein lawyers and attorneys are forcing customers to file personal injury lawsuits against businesses. This is a strategy wherein these lawyers try to extract heavy compensations and divide the earnings between the customer and themselves. You need to ensure that your stores have adequate ‘slip and fall’ protection.

4.Employee Lawsuits-

One of the most common legal issues faced by businesses is employee lawsuits relating to promotions and salary hike. Some employees who feel that they are deserving might be tempted to file such lawsuits to arm-twist businesses into paying them a handout. Regular employee audits and recorded meetings should be done by the company to keep itself safe.

The Final Word

The smallest legal issues can cause catastrophic damage to the existence of a business. By paying attention to small details and regularly updating the company’s paperwork, you can ensure that your business does not suffer from any losses arising out of these issues.



Looking To File A Personal Injury Case: Here Are 5 Things You Should Know

According to the National Centre for Health Statistics (a Department within CDC), 31 million people suffer from personal injuries in some form of accident or the other.

The National Highway Traffic Safety Administration reports that in America alone there are more than 5.5 million car accidents every year. Cumulatively, around 3 million people suffer from minor to serious injuries, while over 40000 people are killed every single year.

Both of these figures convey that personal injury accidents are rampant throughout the length and breadth of the country. Every single day, unsuspecting and vulnerable individuals are injured leading to a lot of suffering for their families.

In this article, we are going to look at five things you need to know before filing personal injury cases in the United States of America. However, before we do, let us first look at what does Personal Injury means in the first place.

Personal Injury Cases: Meaning and Definition

According to leading jurists of the US Supreme Court, a personal injury case involves physical and mental injuries on an individual arising out of negligence or mala-fide intentions of someone else. This means that an individual ends up getting seriously hurt or killed because of someone else’s- ignorance, negligence, or intention.

We spoke to a leading personal injury attorney and asked him about the various types of accidents and incidents where cases of this nature can be filed.

  1. Car Accident
  2. Dog Bite
  3. Medical Negligence
  4. Work Accidents
  5. Slip and Fall Injuries
  6. Faulty Product or Service

Even though there are many other personal injury types, the majority of cases (almost 90%) are filed under the above-mentioned types.

List of 5 Things you should know before filing a Personal Injury Case

  • 1. The Compensation can be Extensive-

Many people feel that the compensation, which should be claimed should only relate to medical treatment. That is not the case. A victim is entitled to more compensation in lieu of the time period he or she will not be able to earn because of the injury. In case of death, the compensation needs to cover burial costs and financial support for a defined period after death.

  • 2. You need to Prove both Damages and Liabilities-

If you are looking to file a personal injury case you need to prove that the perpetrator is both responsible for the injury and accident and the amount, you feel you deserve because of the same. Most people who want to file individual cases are not able to prove one or the other. You need to make sure that your case and presentation takes care of both these aspects.

  • 3. Go for the Out-of-Court Settlement Option-

Many personal injury compensation claims are settled outside the court. No one wants to spend their valuable time in court and be called in every other week. This is why people, especially the ones who are rich and successful want to ensure that their names and presence stay away from public attention as much as possible. If you get good compensation go ahead with it.

  • 4. Evidence Gathering is essential for Success-

When it comes to personal injury cases, the evidence is all that matters. This is why many legal experts recommend that in the event of a car crash, you should always protect your dashcam footage. You should also capture as many happenings as possible from your smartphone. This will act as crucial pieces of evidence when you are putting together your case before a judge.

  • 5. Take help from an Expert Personal Injury Attorney-

You might think that you do not need anyone good to represent you in a personal injury case. However, when you come up against an expert lawyer, you will realize what you are up against. If you are looking to get justice and your rightful compensation, you need to enlist the services of the best personal injury attorney, which you can afford.

The Final Word

If you do not want the case to drag on indefinitely, you will need to present your case to the best of your ability. You need to understand that the legal system is not always just and fair. This is why you need the best legal support to help you with your personal injury claims.

Choose a safe career in the time of corona

In these days job security can feel it’s going out of the window so there has never been a better time to join a relatively safe career due to an explosion in demand like IT or one where there is always going to be a need like accountancy or law.

And its the later that we recommend you look into as it doesn’t mean you have to be a lawyer to start a career in law – although it certainly helps.

Law, like many industries, largely recruits from it’s own so we recommend you use a good legal recruitment agencies like the one’s listed in the guide and start applying.

One of the great things about working in the legal profession at any level is that other industries hold it in high regard so you can always switch out into a new industry. Now that’s a cool career path!

3 Office Furniture Ideas

When it comes to office space, you want it to be as comfortable and to heighten productivity as much as possible. The best way to do this is through the right office furniture and décor options. Here are three ideas for your office.

Choose Sleek Shelving

If you want your office space to look larger and to appear more organized, sleek shelving might be the answer. You can decorate your shelves with trinkets, books or other décor items to create a more cozy feel. You can also use the shelves for storage of documents, books and other necessities around the office. When it comes to choosing office furniture Indiana business owners love, you want to set a comfortable mood.

Consider Adjustable Desks

Adjustable desks are great for those who have to sit at their desk for long periods. An adjustable desk can transform into a standing desk. It’s not healthy for a person to sit at a desk all day. In fact, if you’re standing, it can lower your risk of weight gain and may be able to lower your blood sugar levels. An adjustable desk allows the employees to choose whether they want to stand or sit. Likewise, it can allow them to set their chair up higher if necessary. This can help with those who need to stand more or even employees who are too tall for standard desks.

Decorate With Plants

Plants can liven up an office space. People often feel more energized and productive in an environment with indoor plants. Natural elements can make people feel more comfortable. Already, staff may have to spend long hours in the office. It should be a place that they can feel comfortable in.

If you want a more comfortable office, then you have to have to pick comfortable furniture and décor that will help increase productivity. Adjustable desks, shelving and plant life can change the whole atmosphere of the office.