Avoiding Fraud When Accepting Online Payments

If you run an online business, fraud is one of your biggest fears. You lose money and products when fraudulent purchases are made, and sometimes it feels as though there is nothing you can do to fight it. While fraud is a very real problem, there are things you can do to fight if you do your homework beforehand.

Recognize Fraudulent Orders

While you may not be able to recognize all fraud, there are some clues to watch for. Look out for orders with the following characteristics:

o Placed late at night
o Orders for huge volumes of merchandise
o Address that does not match credit card billing address
o ISP in a different area than the customer’s address
o Email addresses from free email programs that are not assigned an ISP
o Repeat purchases using a credit card number with different expiration dates

Obviously, it would be impossible to block all attempts that had some of these characteristics, but if you can learn to identify them, you may be able to fight back.

Fighting Fraudulent Credit Card Purchases

When fighting fraud, you must look for a balance between fighting crooks and making it possible for people to make purchases without going through too many loopholes. Remember, requiring your customers to do too much to prove their identity may cause them to not make the purchase, thus lowering your profits. You will have to decide what steps to take, but consider these:

o Require customers to provide full information, including phone numbers and billing address.
o Consider calling customers using the phone number they provide in order to verify their identity and the fact that they placed the order. If you do this right, the customer will not mind, because they will view it as an attempt to protect them from identity theft.
o Use a database to block credit card numbers that are identified as high-risk.
o Ask for the security number on the card. On MasterCard or Visa cards, this is on the back on the signature lines. It is on the front of American Express cards.
o Consider blocking customer who use free email programs. Keep in mind that this will hurt many legitimate sales, because millions of people use these as their primary email addresses.
o Ask customers to use an online payment gateway like PayPal that provides some protection from fraud.
o Delay delivery until the payment clears.
o Never offer cash or check refunds. Some scammers will make a credit card purchase on a fraudulent card, then immediately ask for a refund via check or cash. If refunds are required, put the money back on the card.

Go through this list, and put in place the protections you feel comfortable with. Remember, you may not be able to avoid all fraud, but with the right steps, you can prevent much of it, protecting yourself and your customers. When you do face fraud, remember that even the best traditional merchants occasionally deal with it, so fight the crook as well as you can, put extra security in place, and move on. There are more sales to be made and more money to earn!

Benefits of Bulk SMS

In this fast moving world, everyone strives to keep themselves informed about the current events happening in the world. One of the common devices that help us to get updated information from all corners of the world is mobile phones. As there are more than 4 billion mobile phone users worldwide, bulk SMS strategy was discovered to grab the attention of customers. As the market is expanding day by day, this type of messaging is becoming the basic medium to reach people. During the initial stage, it was used by companies to access their customers quickly.

A company spends a large amount of money on sending a single message to millions of clients in order to give them information about their latest services, products and offers. Through bulk SMS, a company can save both time and money. There are lots of benefits associated with this type of SMS. With the help of bulk messaging, one can send personalized messages with important information and brand names.

Moreover, one can also use this form of messaging to send a single message to millions of people in a few seconds, which is regarded as one of the biggest advantages of bulk SMS. Ultimately, this type of messaging also assists one in sending their sender ID that represents the name of the company in which one works. Therefore, we can say that this type of SMS offers every means to popularize a brand name.

One of the best things about bulk SMS is that one can send messages from any part of the country. So, if you are looking for a way by which you can send information to thousands of people at same point of time, this type of SMS marketing is the best option for you. This service is available 24X7 and companies in any corner of the country can use it without worrying about extra charges.

As the response rate of this SMS service is increasing day by day one can use this method for increasing the sales of their business. Among the various benefits of bulk SMS, the most important part is the capacity of receivers. Just through a single click, you can send your message to thousands of people at the same time. Once the message is sent, the receiver will instantly receive a delivery report. It also offers a tracking facility through which the person sending the message can be traced.

Checklist for Office Furniture Installations

A checklist is necessary when office furniture installations are taking place. It can be a daunting job to make sure that everything is organized properly. Besides the furnishings, there are also files to worry about, and the normal operations of the workplace to get back to as soon as possible. Assistants or whoever is given the responsibility of setting up the office should always have a checklist to work from. The checklist must document every pertinent piece of furniture. The individual who is assigned this job must know how to accurately use, as well as test, each item to ensure that it has been put together in the appropriate manner.

For your office furniture installations, you first must identify that the correct pieces have arrived at your place of business. Go through everything one by one and piece by piece as you do not want to miss a thing. If you have moved from one location to another, then an accurate checklist from the old place should be written up so it can be referred to. Check off each item on your list to make sure that it has arrived by either a delivery or courier company, or on the moving truck.

Every item that is being moved from one property to another should be labelled by either yourself or the moving personnel so that it can be cross-checked on the list that you have in your possession. If you are ordering new furniture, write up a separate list. Having two lists may slow you down but it will make things easier when the office furniture installations stage is reached. You need to stay on the right track in knowing what pieces have shown up and which ones are still to come.

Furniture placement in your new location is something that you need to be clear about before the relocation people show up. Some of your furniture may not need to be built within a particular room or area. For these elements, the movers can place them in the appropriate spot. For the office furniture installations that must be done in a certain way, do the work before moving the items into the appropriate rooms, such as the manager’s office, the conference room or the reception area. Start with the largest pieces. Put them together or take them apart and transport them before the small or medium sized furniture is dealt with.

You need to ensure that there is enough space to assemble tables, chairs, desks and cabinets. You also need to preside over the area where the jobs are being done as you want to see for yourself that the equipment and other pieces have been put together correctly. You do not want to have to move the items a second time. This would be needles work for yourself and the people you have hired.

Choosing The Perfect Ceiling Fan

More and more, ceiling fans are becoming an integral part of the look and feel of home interiors. There are more styles, finishes, and designs available than ever, making it much easier to match a fan to a rooms decor, or even to plan the room itself around a unique ceiling fan. No longer are fans merely functional. Often, the are more of an artistic focal point in a room.

It is well known that ceiling fan usage can reduce electricity costs by as much as 40 percent during the summer months. By recirculating warm air in the winter after the reversing the fan’s direction, you can conserve up to 10 percent of your normal energy usage. Ceiling fans typically use about the same amount of electricity as a 100 watt light bulb.

There is a great variety of ceiling fans available today, but not all are of the same quality. Inexpensive fans may seem to look and run well when first installed, but these tend to break down quickly. Finishes may tarnish, blades usually warp, and they easily become unbalanced. Do yourself a favor and invest in a higher quality fan, that will run for years without any problems. Pay attention to the manufacturer’s warranty, and the fan’s output rating.

Some of the aesthetic variables to consider when searching for the perfect fan are: style, size, motor finish, blade finish and material, and lighting. Some common fan colors and finishes available are oil-rubbed bronze, polished nickel, satin nickel, polished and antique brass, chrome, copper, pewter, white, and black.

You will also need to determine the square footage of the room in which you plan to hang your new fan. Doing so will help you to maximize the airflow for the area, without overpowering it. For instance, in a small room such as a bathroom or a kitchen nook, you will need a fan with a blade span of around 30″ – 36″. Larger rooms up to about 10′ x 10′ or 12′ x 12′ can use a 42″ – 48″ fan. 50″ – 54″ fans are considered standard size, and work perfectly in rooms 12′ x 12′ and over. This is the typical size fan you will see most often in homes and businesses. And for very large rooms, you will need a fan with an even larger blade span if you wish it to look right aesthetically in the space. Most manufactures offer models with 60″ or 72″ blade sweeps. Or instead, you may wish to install two or more medium sized fans in the room rather than one oversized one. This would most likely make for better airflow through the room.

Choosing the perfect, high quality fan with the right look and style for your space is not difficult, but you should be aware of the different brands and their advantages before purchasing.

CRUSH It As a COACH! The 1 SECRET To Success That Will Change Your Coaching Business Forever

Q: What is the one thing that separates super successful coaches from mediocre ones? Is there a simple secret… or strategy, system or skill set that separates folks who seemingly have an abundance of of clients from those who don’t?

The truth is, there are all kinds of amazingly talented, gifted, caring, compassionate and super skilled coaches, consultants, teachers, trainers and people of PASSION who will never get their first paying client… and many self centered snake oil salesman who have all the cash paying clients they can handle.

It’s really not about talent – or even the ability to help per se… at least in my view. It’s about having a curriculum – or your content codified into a simple system that’s sale-able.

In a content marketing based system… your “CURRICULUM” is the simple sequence of steps where you codify your niche knowledge or data dump into something that feels tangible to your clients… and serves to differentiate you from your competition in the marketplace of ideas, and outcomes.

For example –

All things being equal… Who would you rather hire as a business coach:

Someone who has a very specific, very structured system for building your brand, your blog, your business and your bank account from step 1…

Or –

Someone who doesn’t have any structure or specific sequence of steps, yet has a great sales pitch and story about what they can do to help you?

All things being equal, I can tell you without any equivocation in my own experience, and business:

People want the security of a system!


It feels more significant, and substantial and can be seen, touched and tasted. (where results, even powerfully promised ones from someone you think you can trust… still feel ephemeral, light and not concrete)

I can tell you in my own small coaching practice, the process of codifying my ideas into a series of blueprints, PDF’s and step by step outlines, has made all of the difference in the world… and will do the same for you.

The information is exactly the same.

The way it’s presented, is just more powerful and palpable. (and profitable)

What has YOUR experience been? Are you struggling to get your marketing message out to the masses?

I promise you this… if you have great goals and big plans that are predicated on putting your PASSION into the world around you, creating a content cornerstone that outlines your approach, or a simple step by step system that articulates your ideas, is the BEST thing you can do for your brand, and your business in 2013… and beyond.

Signs That Your Sex Life Needs Improvement – What Men Should Know

If you are in a relationship or married, it is important that you can connect emotionally and physically with your partner. Sex is an important factor to make your relationship passionate and long-lasting. When a woman is sexually deprived or dissatisfied, it could lead to other relationship problems like infidelity. There are usually signs that your sex life needs improvement and men should know how to recognize them to avoid problems in a relationship.

Your sex is getting less frequent. Being intimate with each other is important and sex should be a regular part of the relationship but if intimacy in the bedroom gets less frequent, something is really wrong. It is given that if you both have demanding jobs and have children, finding time to have sex could be difficult but no matter how busy you both are, sex should be a regular part of the relationship. If intimacy becomes less and less, this could be a sign that your sex life needs improvement to make your partner excited again and look forward to it.

Your sex becomes dull. Maybe there was a time in your life that sex was great and you are both open to try new things and experiment in the bedroom. But now it seems sex is no longer exciting and becomes just an obligation or responsibility that you need to perform which should not be the case. Sex is something that is given freely; it is not a chore or a responsibility that needs to be fulfilled. Intimacy is something that should be done with excitement and something that will leave your spouse satisfied. If sex is getting dull, your sex life needs improvement before it totally becomes lifeless.

She can’t reach orgasm and faking it. Sex is not just an act that you should do, it is more than that. It is a medium to connect with your partner emotionally and physically. Although it is true that most women find it hard to orgasms but when it is done right, women can reach orgasms multiple times. If your woman cannot reach orgasms or faking it, it maybe hard to accept but it is one of the signs that your sex life needs improvement.

It is said that most women can reach orgasms when stimulated orally. There are hundreds of sensitive nerve endings in a woman’s private parts that need to be stimulated to make her reach powerful orgasms.

Filing Systems for Paper Storage

Today we have many types of media, art and paper storage needs with many files as well as records and cd’s needing adequate and secure storage. As our needs expand so do the various storage outlets for filing our records. Years ago the one old stand by for file paper storage was the vertical storage cabinet but as time has gone on the choices of paper storage has become more specialized. Specialized cabinets would include the lateral file cabinet, card & multimedia storage cabinet, Literature sorters and organizers; fixed shelf files open and close as well as flat filing systems.

In order to make your paper storage system work for your business you must make sure that your filing must be easily retrievable, be secure only being viewed by only authorized personnel and have superior features when solutions are more complex.If these solutions are met you will find that storing and organizing will be done in a more productive manner.

Simple features that exist on many filing systems are outer shelf’s that allow for label holders that clearly tag a category of filing. Other features that are a necessity are shelf dividers which allow for incremental storage division. Pull out drawer features that are important include anti tipping counterweights that provide added stability and prevent loaded drawers that are pulled out to cause the entire file cabinet to tip. In addition if you want a quality long lasting cabinet with pull out drawers makes sure it has telescoping steel ball bearing suspension that will allow the drawers to be completely extended.

Security features on cabinets include having a single lock control all the drawers and doors, depending on your office needs and the file security. File systems like fixed shelf files come in an open or closed door style. These files allow you to keep a maximum amount of files in a minimum amount of space with open files allowing visual access and color coding systems. Closed systems are more for files that need added locking security and will meet HIPPA standards for medical storage.

Most filing systems come fully assembled however if your budget is more conservative and you don’t mind assembling your shelving you should you should look at Regal and Imperial shelving. These systems may be less visually appealing than assembled filing systems mentioned earlier but their versatility in size and durability make them a viable option especially when on a strict budget where function is more important than form.