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Archive for August, 2011



PostHeaderIcon Investing in Utilities

This interesting article addresses some of the key issues regarding Stock Market. A careful reading of this material could make a big difference in how you think about Stock Market.

There was a time in our recent history that investing in utility stocks was like opening up a pass book savings account. Today, the investor needs to be more cognizant of the companies compliance with various regulations and their current stance on applying new and efficient technology. The increase in demand and a need for power plants and distribution has placed a burden on the utilities sector.

Some utility companies employ a combination of energy producing resources. Some rely on coal, hydro electrical plants and the occasional nuclear plant. Many rely on their natural gas reserves and electricity contracts with their producers to provide power to their customers. In effect the utility is a reseller of power sources.

Investing in Public Utility Companies:

Some good work horse utility companies are on the stock market. In seeking out the security of a public utility stock you may be interested in dividends. For some investors the utility is a relatively secure method of investing for the long term and part of a retirement plan.

One example of a good utility stock is American Electric Power Company. It trades on the NYSE under the stock ticker AEP. This is a public utility holding company that transmits, generates and distributes power to a variety of utility companies. Some of these utility companies are cooperatives, municipal power companies and smaller utility companies.

How can you put a limit on learning more? The next section may contain that one little bit of wisdom that changes everything.

AEG is a 17.7 billion dollar market cap company. It has been a consistent performer for over 30 years and its major institutional investors read like a who’s who on Wall Street. It is better than 93 percent of all stocks listed on the S& P 500. The stock is a consistent performer and sells in the range of $40 to $51 for the last year. In November, 2006 the price was in the high $30 range, but has moved to the $40 ranges in recent months. It consistently issues a small dividend. It currently sells for $44.48 a share and should rise to its first target of $49 with ease.

There are other holding companies that may be of interest to the investor with a desire to invest in utilities. Duke Power that trades under the stock ticker DUK is a multi billion dollar company. Another l00 year old company is Constellation Energy Group in Baltimore, Maryland. The significant aspect of investing in power companies is whether the company is in compliance with various regulations pertaining to clean air and water. The cost to update facilities is costly. Most of the major players in power have already commenced updating their facilities.

Investing in Diversified Utility Companies:

There are some very good diversified utility companies that are consistent performers. Wisconsin Power & Electric trades on the NYSE as WEP. This company is a consistent performer and recently provide a large credit to its customers. It has a 5.9 billion market capitalization. The company is owned by some of the biggest funds in the country. It sells for $44 and has a mean target of $50.

Two other good good diversified utility companies are Integrys Energy Group stock ticker TEG and Alliant Energy that trades under the ticker LNT. There is a price difference in the companies, but both utilities are multi-billion dollar companies. Both have a blue ribbon groups of institutional investors.

All of the utility companies listed require some analysis to determine if the company fits your investment portfolio. The utility sector has some pressure due to world wide considerations and the demand of end users. The key is if the company is poised for future growth by enhancing its infrastructure and distribution methods.

PostHeaderIcon Sponsorship – the Good and the Bad

The following article lists some simple, informative tips that will help you have a better experience with Sponsorship.

Promoting a company’s product or service is no light task; but with the number of tools that are available for marketing, it becomes easier. There is, however, no single perfect marketing strategy for product or service promotion. Tools that help in disseminating commercial information to the public are not fool-proof – sponsorship is no exception.

Although sponsorship has become a vital part of a company’s marketing strategy, it is not entirely faultless. With the good comes the bad, all of which business organizations should be aware of when sponsoring events, individuals, other groups, and the like.

Advantages of sponsorship

There are many benefits that come with sponsorship – both to sponsors and sponsees. With its nature as being loosely a financial support of activities, events and such – sponsorship then provides a broad opportunity of reaching goals. For sponsors, these goals generally may be part of their marketing aims, letting their name be known or commercially circulated. For sponsees, goals may include the needed equipment or financial means provided by their sponsors.

The most common recognized sponsorship advantages are discussed below:

Enhancing and/or building an image association that is positive – Companies often engage in sponsorship to be visible and to create a clear union relevance between the sponsored individual, event, or organization, and the company itself.

This aim for creating a clear association helps create appeal to the sponsor’s targeted audience, offering them a positive perception of the company name by relating with the sponsee.

Generating product and/or service awareness – Sponsorship provides a direct way for sponsors to relate with their consumers by actively supporting a sponsee that people know or follow. For example, athletes sponsored by major companies directly make the consumers (their fans) aware of the company by the sponsee’s use of the company’s name like their equipment, clothes, etc.

If you base what you do on inaccurate information, you might be unpleasantly surprised by the consequences. Make sure you get the whole Sponsorship story from informed sources.

Building goodwill – People most often approve of sponsorship since it’s perceived that such a sponsor is willing to help out someone or something in need. This commitment that the company showcases gives people positive reactions that would make them remember the company.

Creating exclusivity – A sponsor’s ability to promote itself through supporting a sponsee generates product/service recognition to its targeted market. The targeted market than associates the sponsor’s name with the sponsee, succeeding in creating proper visibility in spite of other competitors, and therefore increase in sales.

Generate positive publicity – Anything that involves products and services need exposure for people to take notice of it. This sponsorship advantage makes use of an arena for potential consumers to always have an encounter with the sponsor’s name, leaving a mark in their minds about a specific product/service offered and specialized by the company (sponsor).

Disadvantages

As with advantages, comes the downside. Below are most common sponsorship disadvantages:

Development of controversies leading to negative attitudes – the presence of competitors is on its own a disadvantage for sponsors. There will always be a challenger to each company to stay on top. Controversies that affect the sponsor will often lead to faltered belief from its consumers and would at most also create a negative sponsor-sponsee association.

Absence of standardization – The partnership between a company and its supported individual, organization, or event has no sure-fire way of how best to benefit the both parties. Different methods of support are applied to sponsees depending on their needs and the sponsor’s needs as well. This points out to a lack of standardization, and therefore requires more time on planning and evaluation.

More time is consumed – As sponsorship promotes a more ‘intimate’ business relationship, this also causes more time to be spent on a sponsor-sponsee plan. The amount of time needed in planning and execution is bigger since sponsorship should be very detailed.

There’s no doubt that the topic of Sponsorship can be fascinating. If you still have unanswered questions about Sponsorship, you may find what you’re looking for in the next article.

PostHeaderIcon How To Start A Recycling Program In Your School

The following article lists some simple, informative tips that will help you have a better experience with Recycling.

Each time you see your schoolmate or teacher discard a recyclable bottle, can, or printer paper, do you just cringe and gnash your teeth in anger, or should you actually be doing something else? You can do something to prevent this incident from happening again, by initiating a recycling program in your own school. While the activity may take some time and a lot of work, it should be worth your time and effort. Here are some tips for starting a recycling program in your school.

Organize A Team, And Determine How Much Trash Your School Disposes

A nice way for starting a recycling program in your school is to first organize a team, which may consist of students, teachers, administrators and other school staff. You may also need to sell your program to the school administration, so be ready to state your facts and prepare your arguments for it. Second, determine the volume of trash your school produces each day.

To do this, ask your friends or classmates to collect cans, bottles or used paper from other students, and monitor how much is thrown into the garbage bins during class. This information will help you to gather concrete evidence once you present your idea to the school administration.

See how much you can learn about Recycling when you take a little time to read a well-researched article? Don’t miss out on the rest of this great information.

Find a Company or Facility To Help Handle The Recycling

Once your recycling program is approved by your school administrator, find a company or facility that will help handle your recycling output. Get a phone book, and check out the recycling companies in your area, or talk to the solid waste management or recycling coordinator in your local government. Some towns and cities help provide recycling bins and other containers or drop-off areas, which the recycling company will collect at a certain time.

However, if your town can’t help you, you may also start a fund-raising campaign to purchase recycling bins and other collection containers. What can be recycled in your school will depend on which types of materials or items are actually discarded away. The easiest and commonly-recycled materials include aluminum, paper, clothes, printer cartridges, printer paper, glass bottles and more.

Once you’re ready to begin, spread the word about your school’s recycling program. You may post attractive, eye-catching signs around the premises of your school, which contain important information about the location of the recycling bins. It would also be great if you use different colors and shapes for your recycling bins, and also stick shiny, attention-grabbing labels or stickers to each container, so that the students and school staff will know what to throw in each of them.

Although some people may get confused about where to put which item at the start, most of them will probably get used to it in the long run. Aside from initiating a recycling campaign, it would also help if you start an environment club in your school, so more students and staff will be enticed to help oversee the campaign. The environment club could also serve as a proper forum for discussing proper waste disposal and other pressing environmental concerns in your community.

Of course, it’s impossible to put everything about Recycling into just one article. But you can’t deny that you’ve just added to your understanding about Recycling, and that’s time well spent.

About the Author
Helena Zwarts is a small business entrepreneur and write passionately about various home based business opportunities to earn money from home.

PostHeaderIcon Bird Watching Tips for Beginners

The best course of action to take sometimes isn’t clear until you’ve listed and considered your alternatives. The following paragraphs should help clue you in to what the experts think is significant.

Bird watching can be a very fun and interesting activity once you are familiar with the thing that you need to know when doing it. The first thing that you need to familiarize yourself about bird watching is identifying the bird that you will watch.

This very task is quite challenging because it is not easy to identify them especially when they are so many feet away from the ground. Since birds are energetic and active animals, you need a clear and quick eye to be able to see as many details possible in such as very short period of time.

Aside from being too far away from you, other problems that you might encounter—especially if you are a first time bird watcher—is the dim light shaded by trees, the glint of sunlight that can affect your sight, and the hidden places where birds go to play. So, when you are into bird watching, it is always best to have a general knowledge on bird’s attitudes and observe them carefully. You might not name them properly the first time but you definitely can the next time if you pay proper attention in observing them.

The following are just of the helpful tips that can help you in your very first bird watching session:

- Always keep on eye on one bird. Bird watching is more effective if one uses a binocular. When you are bird watching, try to spot only one bird that catches your attention. Once you have seen one, never take your eyes off it because it might fly to a place where you cannot see it.

If your Bird Watching facts are out-of-date, how will that affect your actions and decisions? Make certain you don’t let important Bird Watching information slip by you.

In most bird watching centers, beginners are given a field guide in a form of a booklet or brochure so they can identify the bird once they have seen one. Once you know what is it, take time to observe its physical details as well as its behaviors and mannerisms. Make sure that you observe the bird’s movements, markings, feeding habits, songs, color, and size so you can easily identify it the next time you see it.

- Make sure that you listen intently for the bird’s calls and song. Although listening for a bird’s song is easy, it doesn’t stay long in a person’s memory. What you should do is to listen intently when the bird calls or sings and play the bird’s song in your mind repetitively. Listening to a bird’s call and song is important because it can help you identify the bird even without seeing it.

- Take time to estimate the bird’s shape and general size. The average shape and size of the bird will give you a huge clue in finding out the family it came from. In bird watching, make sure that you assess its overall appearance and take note of its approximate size and shape. Once you can tell from the size and shape of the bird what kind is it, then you are doing good.

- Pay attention to the bill characteristics and facial markings of the bird in sight. This is one of the hardest things to do because the average of almost all birds are small. They also keep on moving so it will be hard to take note any unique markings on their faces. It is also equally hard to take note of characteristics of its bills because most birds keep on pecking all the time.

To get these details, spot a bird that doesn’t fly around that much. Once you found one, start observing it head by looking for any distinguishing hue patches or color strips. These can be present in their eye lines, crowns, napes, and arcs or in the rings.

That’s how things stand right now. Keep in mind that any subject can change over time, so be sure you keep up with the latest news.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

PostHeaderIcon Merchant Account Types that are Suitable for Business Needs

Merchant account refers to an account that a specific merchant deals with a bank to be able to accept credit card payments and orders from its customers. Because of being a lucrative business option, more and more people are have merchant account providers in the last years. However, there have been many issues surrounding merchant accounts and its providers over the years.

One of the common problems that people who deal with merchant account experience is the confusion which type that would suit their needs. To avoid confusion, as well as other problems that will come along the way, it is best if you familiarize yourself with the types of merchant accounts available. Aside from sparing you from financial difficulties, knowing the different types available will also help you decide which one will be the best option for your interest.

There are three different types of merchant account available depending on the need of the client or the business itself. Experts have categorized types of merchant accounts into three. The first type is the “retail” which is one of the most popular merchant account types out there. This is because many businesses especially those that are related in food such as restaurants, lodging such as hotels, and daily needs such as grocery stores avail of this type. They choose this because the “retail” type offers lower fees without compromising the quality. Some say that the rules implemented by retail account providers are more strict so they can make up for the lesser rates they give for a service.

Knowledge can give you a real advantage. To make sure you’re fully informed about Merchant Account, keep reading.

The second type is the “MOTO” or mail order-telephone order charges higher rates for services because it requires more effort for any transaction to be made. Experts say that the MOTO accounts were created to cater to the credit card processing needs of those mail order companies when they receive sales or other transactions with the use of either mail and telephone line. This type of merchant account is usually more expensive because it uses more pieces of equipment like modern technologies—through the personal computer complete with accessories needed like the keypad and the physical terminal as well as the software needed for the program to run effectively.

The third type is the “Internet” which is very similar to the cost, the set of rules, and the means of using the “MOTO”. The only difference is that it is more organized and more updated. Here, the transactions are being made using a virtual terminal that play as the “gateway” for payments and other processes that are being made. The internet type of merchant account uses usually uses a program that is custom-designed for its clientele such as the HTML format or the shopping cart format when dealing with payment processes and transactions.

People who don’t have much knowledge on these types would be easily confused since they all adhere to a common policy—to ensure that there is efficient merchant account processing. But, when closely examined, there are great differences in these types, which cannot be ignored. When these differences are not identified early and properly, it can be detrimental to the business itself.

Experts say that the major differences among these three types is the rates or charges they have when it comes to transaction fees and the rules they implement in terms of account usage.

The day will come when you can use something you read about here to have a beneficial impact. Then you’ll be glad you took the time to learn more about Merchant Account.

About the Author
By Anders Eriksson, feel free to visit his Perpetual20 training site for great bonuses: Perpetual20

PostHeaderIcon Recycling Items Like Computers & TVs

With the way technology is out-doing themselves year after year with newer, better, bigger and improved products for computer users, you can just imagine the amount of waste that is generated when consumers upgrade along with the process. One household may have one or two computers to upgrade on a yearly basis but if you add to that computers and monitors from even a small business, the numbers add up very quickly.

What is the problem with throwing computers, their monitors, TVs and the like away with the rest of our trash? The main concern is that with CRTs and TVs they each contain approximately four pounds of lead per unit. Lead cannot be biologically broken down and if it were placed in a landfill there is the possibility of the landfill becoming contaminated with the toxins from lead. Lead poisoning has been associated with several health problems in children, including, learning disabilities and behavior issues and in some extreme cases, where high doses of the lead has been found, there have been reports of seizures, coma and even death. There is always the risk of lead toxins seeping into a water source if left in a landfill and any results of lead poisoning are made even more tragic because they are so easily preventable.

In addition to the lead in some household items like computer screens and TVs, the plastic parts of these items sometimes contain a component that is called, brominated flame-retardant that helps the item to be resistant to flames in case of a fire. Unfortunately, while the exact results of exposure to this additive are undocumented there is sure to be some kind of negative result that it’s just better to steer clear of.

The best time to learn about Recycling is before you’re in the thick of things. Wise readers will keep reading to earn some valuable Recycling experience while it’s still free.

In an effort to keep these potentially hazardous materials out of landfills there are many other options for ridding your home of older, outdated technology. The first option should be to check with your community to see if there is a program set up to receive older CRTs and TVs for recycling. For instance, in Massachusetts, where I live, many cities and towns were given grant money for the specific purpose of setting up such a program.

If your town does not have such a program the next place to look would be at a local TV repair shop or even an electronics retailer because they may be able to reuse what you want to throw out. Some areas even have electronic recycling companies that will come to your residence or business and pick up such items and from there they are responsible for the recycling of the items. Even if a piece of electronic equipment can no longer be used for refurbishing an older model they can always be dissected and the individual components can be sold for their scrap value.

No matter what the item is that you want to recycle, there is a way to do it, all you need to do is make a phone call or two and you will have done your part to follow the recycling laws.

Hopefully the sections above have contributed to your understanding of Recycling. Share your new understanding about Recycling with others. They’ll thank you for it.

About the Author
By John Hanks, feel free to visit this top ranked crime stopping affiliate site: the thief,home security,security,deals

PostHeaderIcon The Importance of Keeping a Bird Watching Life List

If you’re seriously interested in knowing about Bird Watching, you need to think beyond the basics. This informative article takes a closer look at things you need to know about Bird Watching.

The bird watching life list is a record kept by the birders. This also serves as a tracker device for the people involved in the activity and for those who are conducting related studies. And this is a very important tool for those who love the action and actually has the passion for such.

Bird Watchers
The people that are being categorized as bird watchers are those who are only starting out. Everybody who is into this activity first become a bird watcher or just a mere observer. Their curiosity actually lead them to look and then look more until they’ve developed a habit of looking farther to see what the birds are doing and how they do it.

For such type, a journal would be fine. This is where they jot down their observations for the purpose of not forgetting. These notes would actually be helpful if they take their hobby to a different level, by being a birder. But for now, let the simple note taking do it for them. Theirs is more simple task because what they see is far from scientific because they still don’t have the equipment and the ability to see beyond what their naked eyes seem to tell them.

Birders
These are the more passionate people about the craft. They are not merely hobbyists, they do this to study and relate their observation with scientific research. This group would invest on materials to strengthen their claims. They are always on the lookout for the newest technology that could help them navigate more thoroughly. Birders go where the birds are.

Through research, they go the extra mile to travel where the birds that they haven’t seen or haven’t been seen by many are situated. The keep track of what happened on their journey. They take notes along the way.

Those of you not familiar with the latest on Bird Watching now have at least a basic understanding. But there’s more to come.

Life List
This is what the electronic or written records contain. Such things can be done by the birders. As they search for the species, the venues in which they could find more types, and looking out for yet to be discovered kinds of birds, they contain it all in a life list.

The information in a life list should include where a certain type of bird was seen, classifying the bird and the date when it was seen. Noting what the bird’s usual activities are and how they went on about such is also part of this.

The birders have variety and long list of this kind. It shows their history as an enthusiast of how far they have gone in terms of the activity and how much they have already seen and learned in the process.

They can always go back to this data to change or modify some information depending on their further observation. This is the reason why as days or years go by and as the number of life lists being made by a birder piles up the data gear more towards being scientific because more proofs are available when anyone tries to contest what was recorded.

Keeping a bird watching life list would also benefit people in the future. As the study about the different types of birds become more and more varied, people can always refer on the information provided by the birders on this list for further researches to become more and more accurate.

You can’t predict when knowing something extra about Bird Watching will come in handy. If you learned anything new about Bird Watching in this article, you should file the article where you can find it again.

About the Author
Andrographis Paniculata Extract Side Effects Benefits – Uses include: Helps reduce fever and blood clots, may aid the pain threshold, helps protect the liver and gall bladder, support issues associated with common colds, benefits to AIDS / HIV sufferers along with those who have herpes/cold sores

PostHeaderIcon Free Legal Help for Bankruptcy

The following paragraphs summarize the work of Legal Help experts who are completely familiar with all the aspects of Legal Help. Heed their advice to avoid any Legal Help surprises.

Are you currently in a financial crisis which can soon lead to foreclosure? Perhaps you can find relief by familiarizing yourself with the bankruptcy laws of your state and you can do that by seeking free legal help for bankruptcy.

A bankruptcy lawyer can help you decide whether you will discharge your debts or you will opt for a payment plan but since many individuals don’t want to damage their credit standing for a long time, they will want more options to choose from.

Let’s just say that the homeowner finally decided to file for bankruptcy. In this case, you will need legal help immediately. Oftentimes, the financial capability of individual serves as the determining factor in seeking legal help; since you’re already filing for bankruptcy, you have very limited resources and hiring legal help may be the last thing on your mind. One thing’s for sure, filing bankruptcy entails a lot of paperwork. You must be able to prepare all the necessary paperwork accurately and completely. If you don’t know now to prepare all the papers, you will be at a complete loss.

Hiring an experienced bankruptcy lawyer is the best way to handle all the paperwork. Debtors can rely on their lawyers during their financial crisis to meet all the court requirements in accordance with the bankruptcy laws. The reform laws of bankruptcy have made it even more difficult for debtors to comply with all the legal requirements these days and this is the reason why you need to choose and hire the best attorney in your area.

So far, we’ve uncovered some interesting facts about Legal Help. You may decide that the following information is even more interesting.

Most of today’s bankruptcy attorneys charge over $1,000, just for the bankruptcy filings. Because of their limited resources, homeowners can’t afford such steep price. Some individuals resort to legal self help resources so that they can prepare all the paper work on their own. There are books and of course, the internet resources which can be of great help to these homeowners. Check out the courts websites in the US and there you can find copies of the various bankruptcy forms that you need to fill up.

Most of the forms are self explanatory and for the ambiguous requirements, you can conduct further online searches to get simple explanations. This way, you can fill out the forms correctly.

States have various bankruptcy laws and you can inquire in your local state government about the required forms. Local forms given in some states but if you can’t find the forms locally, you can download the forms online. You can also get the court’s contact info and request copies of the forms. If you have problems in filling out the forms, you can ask help from the bankruptcy court in your district; that way, the paperwork can be put to order.

No one wants to file for bankruptcy but if there is no other choice, you need to comply with the bankruptcy requirements of your state. When you file for bankruptcy, it means that you’re already financially defeated. Bankruptcy lawyers are extremely expensive and this will be an additional burden on the part of the homeowners.

There are ‘bankruptcy resources’ that you can turn to if you don’t want to spend any further on filling out the bankruptcy forms. Take advantage of these free legal bankruptcy help now and get over your financial hardships the fast and easy way.

About the Author
By Chris Meagher, feel free to visit his top ranked Automotive site: Instant Whitewalls

PostHeaderIcon Bird Watching in Rome Georgia

When you’re learning about something new, it’s easy to feel overwhelmed by the sheer amount of relevant information available. This informative article should help you focus on the central points.

Another place where you can do some bird watching is in Rome, Georgia. With a total land area of 59,000 square miles, you will get to encounter one of perhaps 300 plus bird species that have made this place their home.

Just to give you an idea of this state, Georgia is divided into 6 natural regions namely the Atlantic Coastal Plain, the Gulf Coastal Plain, the Piedmont, the Blue Ridge province, the Ridge and Valley province, and the Appalachian Plateaus. Given that each is different from the other, it is no wonder that it can house a varied number of species.

Of the more than 300 species, 160 of them are permanent residents of this vast land. The others migrate here and these can often be seen during the winter.

Along the coast, you will to see the Anhinga, Black Crowned Night Herons, Clapper Rails, Egrets, Least Bitterns and Wood Storks. Along the shore, you will see Dunlins, Common Snipes, Spotted Sandpipers, Sanderlings and Semipalmated Sandpipers.

In other parts of Georgia, you will encounter Black Vultures, Catbirds, Mourning Doves, Northern Mockingbirds, Northern Bobwhites and Turkey Vultures.

The state bird of Georgia is the Brown Thrasher. You won’t miss it because this usually sings while you might see Ruby Throated Hummingbirds in the garden as they enjoy being around flowers and feeders.

Other birds that you can see here are the Acadian Flycatchers, Barred Owls, Belted Kingfishers, Blue Gray Gnatcatchers, Horned Larks and Sedge Wrens. Don’t forget that there are numerous species of vireos, sparrows and warblers that have been reported as well as American Robins, Blue Jays, Eastern Meadowlarks, Fish Crows and Northern Cardinals.

If you find yourself confused by what you’ve read to this point, don’t despair. Everything should be crystal clear by the time you finish.

Founded as a non-profit nature preserve and education center in 1986, Birdsong is dedicated to preserving and maintaining its lands in a manner that is most beneficial to wildlife, and to fostering in the public a greater understanding and appreciation of nature.

Not far from Rome, Georgia is the 565 acre center called the Birdsong Nature Center that is also host to a lot of bird species. This is mid way between Thomasville, GA and Tallahassee, Fl so don’t confine yourself to just one area and go out and explore the nearby areas.

If you go to greater Atlanta, you can visit the Cochran Shoals unit of the Chattahoochee River. There are over 60 species of birds here especially during the spring and fall migration.

Those who want to go hiking can travel to the Kennesaw Mountains. There are over 20 species of birds up there mostly warblers. While you are there, you can go the visitor’s center and get a bird checklist as well as ask if there have been any rare bird sightings.

Along Georgia’s southern coastal region is the Colonial Coast Birding Trail. There are over 300 species of birds that have been seen here so it is really a treat to see so many all in one place.

You can also call Georgia’s Ornithological Society to be informed of rare birds. This is updated on a weekly basis given that Georgia is host to many migratory species.

Hobbyists will surely have a lot of fun doing some bird watching in Rome, Georgia. Try to spend two days or more here so you don’t have to rush seeing the various sites.

It never hurts to be well-informed with the latest on Bird Watching. Compare what you’ve learned here to future articles so that you can stay alert to changes in the area of Bird Watching.

About the Author
By Ted Ellis, find / advertise free, your self-catering Portugal holiday villa: Algarve Self Catering

PostHeaderIcon Merchant Account 101

A lot of modern technology has brought us great convenience to the tip of our fingers. From travel, to fashion and even in business, almost every type of good and service is accessible. With businesses trying to make their product more sellable amidst a very competitive market, they have to get consumers not only look for quality and price of the product but also for the service that comes with the purchase. Hence, merchant accounts were born.

Merchant accounts are a way to for businesses to handle transactions through the use of credit cards. There is really no historical note on how merchant accounts started although it can be hypothesized that the service started during the rise of credit card use during the 1960s. Industry giants like MasterCard and Visa, which originally are non-profit organizations, pioneered the general use of credits cards.

In 2006, there are 292 million credit cards that are in use in the United States alone. Globally, it is estimated that there are at least 1 billion credit cards issued. Merchant accounts make business faster, easier and more accessible to their clients. Provided, of course, that the merchant account obtained is effective. Large businesses could avail of merchant accounts relatively easier than the small businesses although more and more merchant account providers are going after the small business sector.

It seems like new information is discovered about something every day. And the topic of Merchant Account is no exception. Keep reading to get more fresh news about Merchant Account.

Thinking of getting a merchant account? A merchant account may be provided by a processing bank or by an agent for the bank. The factors in which merchant account provider to choose are relatively easy to weigh in. They must be able to guarantee reliability, security and cost-effectiveness. The business owner should have his merchant account in the least of his or her concerns and not think about whether money is really coming in from the credit. However, since no merchant account provider is exactly flawless in terms of performance, they must be able to provide technical support in the event of a glitch. Technical support should be fast and accurate. A business that deals with hundreds of transactions every second cannot afford to lose profit through a technical difficulty.

Security is also an important issue in getting merchant accounts. Many business owners fall victim to scammers who disguise themselves as providers. Make sure that the merchant account provider is registered to the Payment Card Industry Security Standards Council, also sometimes known as the Payment Card Industry (PCI). The council was organized by the five leading merchant account providers in 2006 and aims to standardize the credit card based commerce.

Lastly, another big factor in choosing a merchant account provider is the cost. Much of the cost is set by the card issuing bank although there are fees that would be asked by the merchant account provider. The largest portion of the fee is the interchange fee. Interchange fee takes into account different circumstances on how the transaction is made. For example, in a 3-tier pricing, visa and MasterCard classify these transactions into non-qualified, mid-qualified and qualified where the non-qualified classification gets to be charged the highest.

Some of the other fees that could be charged are the monthly minimum fee, authorization fee, batch fee and chargeback fee. Another factor to consider in the cost is the software used for the transactions. Renting equipments or software may be cheaper but may not be a good investment in two or three year time.

If you’ve picked some pointers about Merchant Account that you can put into action, then by all means, do so. You won’t really be able to gain any benefits from your new knowledge if you don’t use it.

About the Author
John Kay is compiling the list of the coolest websites on the internet: cool websites for kids, cool websites for girls and cool websites for teenagers.