Posts tagged ‘Card’

FREE Christmas Card Verses And Quotes! FREE Greeting Card Verses And Quotes! FREE Verses YOU Can Use!

When people make greeting cards for friends, whether for a birthday, Christmas, or for any other reason…they are sometimes at a “loss for words.” If this happens to you, here are some great friendship quotes from famous people…

This first one might be ideal inside a card as the main verse:

” ‘Tis the human touch in the world that counts–the touch of your hand and mine–
Which means far more to the sinking heart than shelter or bread or wine
For shelter is gone when the night is o’er, and bread lasts only a day
But the touch of the hand and the sound of the voice
Live on in the soul always.”
–Spencer M. Free

These beauties might be ideal on the cover of a card to a friend:

“If you want an accounting of your worth, count your friends.”
  –Merry Browne

“Friendship is an art, and very few persons are born with a natural gift for it.”
  –Kathleen Norris

“The only way to have a friend is to be one.”
  –Ralph Waldo Emerson

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Here is an awesome verse to write inside a card to someone you are in love with or your spouse, of you’re married:

“Love does not consist in gazing at each other, but in looking outward together in the same direction.
–Antoine de Saint-Exupery

My name is Father Time, of www.FatherTimePublishing.com and I am a self-help writer and speaker, as well as a writer of greeting card verses.

Here are some FREE Christmas Card Verses YOU Can Have and Use how you wish!

When you make handmade cards for people, they always love them, and they mean so much more than cards you buy in the stores! People appreciate when you show how much you care with a card or a gift!

For less than the cost of a store bought card…I offer an eBook of Fabulous Friendship & Love Verses that YOU can use all throughout the year! It contains 40 awesome verses from my pen, and 60 great quotes from famous people…you will LOVE it, I guarantee it!

Have fun making cards, sending cards, sending gifts, and enjoying life!

Many Blessings!

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It was Meant To Be that YOU found this Message on ArticlesBase.com 

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2012 Report Card

“Before I draw nearer to that stone to which you point,” said Scrooge, “answer me one question. Are these the shadows of the things that Will be, or are they shadows of things that May be, only?” Still the Ghost pointed downward to the grave by which it stood. “Men’s courses will foreshadow certain ends, to which, if persevered in, they must lead,” said Scrooge. “But if the courses be departed from, the ends will change. Say it is thus with what you show me.” Most everyone is familiar with the Dickens’s classic, “A Christmas Carol.” The above is a quote from the fourth Stave where Scrooge stands before his own grave. Like many great social novelists, there are many layers of meaning in their immortal words, if one would but take the time to listen. Often, humanity is offered portents of its future, but all too often, we fail to head the words and warnings. With barely only two years left to 2012, let’s look at the ‘stone’ to which the ‘Ghost” points.

We are all familiar with the prophecies of Nostradamus, the Mayan Calendar, the End Times scenario, the sage words of the Hopi, the I Ching, and warnings by other great seers and cultures regarding December 21st, 2012. Critics claim that this is all hype and that such prophecies are but myths that sell books, but which have no efficacy. They point to the many doomsday predictions prior to the dawn of each millennia and the fact that each such event, was a non-event. So, is the 2012 phenomena just hype? Is there anything different now that would warrant closer inspection?

Let’s create a little 2012 Report Card and see. The focus here is not on numbers and statistics. Those can be found on thousands internet sites. Let’s just create an overview and determine if there is anything to worry about. Since the economy has been captivating the news for the past year, it would be a good starting point. There is little doubt the world economy is in recession. Even after spending trillions of dollars, governments have been unable to totally stabilize downward economic trends. Yes, Wall Street has had a few rebounds, but Wall Street is not the entire economy. There are still more layoffs, foreclosures, and consumer spending and confidence is down. This is not just in the U.S., but globally. Of importance is the fact that the apparent goal of government efforts is to try to return the economy to the old model of business. Companies produce, you spend, you throw away, and buy again. This is no longer a sustainable economic model. While there has been a lot of talk regarding ‘green products’ and there are fringe economists promoting more sustainable economic theories, the impact of this movement is, so far, negligible. On a “pass/fail” basis, I give us a fail with respect to the economy.

Sustainable energy is another subject for consideration. There has been lots of chatter regarding alternative energy and environmentally friendly energy sources. Wind farms have been built, appliances are a bit more efficient, and there is serious research into expanding solar, tidal, geothermal, hydrogen, biofuel and other possible energy sources. However, there can be little doubt that we are still an oil based society. Much research on these alternatives began during the Arab oil embargo in the early seventies. It stopped when oil prices receded. It seems that just as alternatives become more economically viable, oil prices drop just enough to slow progress and investment. As a percentage of total energy output, alternatives are a very small factor. Actions and efforts here must be given a ‘fail’ grade, largely due to the fact that time is not on our side.

Climate change is the next, and perhaps most overriding of concerns; all else hinges upon this one danger. It matters not in this discourse who is responsible for climate change. It is happening now; it is out of control and it is happening at an accelerated rate. Temperatures are changing, waters are rising, glaciers are melting, storms are more severe, there are growing droughts and floods and lives are being lost and dramatically altered now. We receive a ‘failing’ grade in this category for several fundamental reasons. World leaders are continuing to fail at addressing this issue. Summit after summit fails to produce and results. There is still a blind perception that we have until 2020 or 2050 to deal with the issues. We do not. Governments are hiding and suppressing climate change data. Corporations are spending billions claiming that climate change is a hoax. Governments have failed to connect the dots from climate to the economy. Governments have failed to, at least publicly, to create plans to deal with the growing concerns over environmental refugees. While there is concern over the security threats that climate change creates, little is being done to figure out where hundreds of millions will go as seas rise, drinking water sources dry up, and food production declines. Perhaps the lack of response is the response.

If we examine the issues of war, politics and peace, we once again receive a ‘failing’ grade. There are hundreds of wars in progress, terrorism is alive and well, genocide have been ignored, the Middle East, Iran, Iraq, N. Korea and many African nations are a mess and their appears to be little progress in establishing peace among nations. Government corruption is forever in the news and nations just do not appear to be able to work in concert on any major global issue. Nationalism is on the rise and clashes of cultures flare as people have increased their mobility. There is a rise in fringe and extremist groups and gaps between rich and poor continue to widen.

Religion and science is an interesting topic in this grading system. On the one hand, religions are in turmoil and there is growing strife within and between organized religions. On the other hand, there is a continued growth in spirituality that embraces humanity’s unity and oneness. With respect to science, it is still at odds with most religions but, the gap is closing with respect to spirituality. By science, I do not mean new gadgets or technologies, but rather the progress in quantum physics regarding the nature of the universe. The gap between the scientist and the mystic is narrowing and a more unified theory of being is at hand. Unfortunately, since religions are still powerful and play a lead role in the politics of many nations, we have to assign a ‘failing’ grade here also.

Clearly, more topics could be covered. Education, the role of the family, equality among races and other social concerns have seen some progress, but again, the problems are still growing and solutions are far and few between. Humanity, like Scrooge, stands before his grave. The Ghost before us is all of the prophets who have pointed to this time of change. What is different now from times past is that every aspect of our existence on the planet is in turmoil. We have had economic problems in the past. We have seen many great wars. There has been religious strife. We have had mini ice ages, periods of drought and severe weather. The difference is that all of these things are happening at once and not over scattered periods of time. Add to all of this the great unknown of our solar systems alignment with the galactic core, polarity shift (which appears to have started), and things like the Solar maximum for sunspots, and plot grows even thicker. So once again, “Men’s courses will foreshadow certain ends, to which, if persevered in, they must lead,” said Scrooge. “But if the courses be departed from, the ends will change. Say it is thus with what you show me.” There is a time factor to consider in the plea of scrooge. Even if we depart, which I have shown we have not, from our courses, certain ends will result. The seers of days past saw the path we were on. They took us to the stone and pointed the way to change. Truly, if we change our course, the ends will be altered. But is anyone listening? At this point, 2012 looks to be a raucous time.

Mr. Harris was born in Massachusetts. He attended The American University in Washington, D.C. and received his degree in Political Science. His graduate work was done at the University of Northern Colorado and Howard University. He spent several years working for local and regional and state government agencies. He worked on a White House Task Force and served as Rural Policy Coordinator at the FRCouncil of New England.

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How to Get a Credit Card Machine

The usage bank card device is really important because there tend to be many deals that can be done with this particular card. The existence of this card is really famous since it is what is important you must have when you wish to buy on line. In this case, having a credit card device is likely to make you look much more professional so you will be able to get quick access to income. Hence, it is necessary for you yourself to discover the great device to your requirements to get the most effective help this is certainly useful for you.

1.  Searching online is the very first thing you will need to do since there are numerous web pages readily available offering the device. In this situation, you can form “bank card machine” or “merchant account” to obtain the device that satisfy your requirements. After getting some selections for your requirements, it is important for you to look at the analysis supplied so you are sure you find usually the one needed.
2.  Then, it is necessary to compare the values supplied. The purchase price vary so you must certanly be certain that you obtain the very best one that’s appropriate using the budget you have. Also, it is very important to help you know your private needs so that you won’t make any error that may cause you to feel sorry and you also needs to be careful finding the best one for you personally.
3.  additionally, you must be sure to select the right device that includes great capabilities as your determination. It means you have to look at the features off to turn you into sure that the machine will satisfy your needs and assists you in doing all of your jobs. The functions might be a significant consideration which will make you use the right choice for your requirements.

Also, you can select Datamax label printer which is useful for you. To help you to find just the right selection for your needs, simply explore address label printer

.

Repayment Card Competitor Tracker: February 2011 – General Market Trends Report

Aarkstore.com announce a new report through its vast collection of researching the market report :

Repayment Card Competitor Tracker: February 2011

For more information, please go to :

http://www.aarkstore.com/reports/Payment-Card-Competitor-Tracker-February-2011-126974.html

Introduction

The newest and enhanced repayment Card Competitor Tracker provides expert analysis and viewpoint regarding strategic techniques of leading competitors in the repayment card marketplace. Produced on a monthly basis, the Tracker is an international product and contains already been expanded to over 100+ people, including United states Express, Barclaycard, Capital One, Take a look at, very first Data, HSBC, JCB, MasterCard, traditional Chartered and Visa.

Features and advantages

* Gain priceless information about your crucial rivals in a single concise document, and monitor lasting trends making use of the interactive development database.
* Sharpen your method by applying the most effective marketplace, product, rival and strategic improvements of leading worldwide people.
* discover the Datamonitor Cards & Payments groups view on the main rival advancements into the thirty days.

Features

There are 41 competition improvements analyzed in the February edition of Payment Card Competitor Tracker. It was below the 12-month average of 49 improvements, and below the highs noticed in December (63) and April (57), but had been dramatically more than the lower point reached in August (30).
February saw transport operator Transport for London (TfL) announce that it would start accepting open loop contactless payment cards from 2012 onwards. The roll out begins on London buses before expanding on tube and overground railway systems. This can expand regarding the already preferred closed loop Oyster card contactless ticketing system.
The mobile space saw specifically strong development in February with two times the amount of advancements when compared to 12 thirty days average. In online space, the marketplace for repayments for digital products became more competitive with Visas purchase people based PlaySpan.

Your key concerns answered

* exactly what were the main element new item developments in the industry this month, particularly in contactless, cellular, on the internet and prepaid?
* Which people are in the lead by using these brand new developments, and where will they be occurring?
* How have styles in competition task changed over time, and which areas have become more energetic?

Table of Items :
OVERVIEW
Catalyst
Summary
Methodology
INTRODUCTION
The Payment Card Competitor Tracker provides both one-month and 12-month views of developments
Improvements in 2011 Payment Card Competitor Tracker series

We focus on offering web marketplace business info on marketing research reports, books, publications, conference booking at competitive prices, and strive to offer exceptional and revolutionary service to the clients.

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How Can You Combine Your Credit Card Debt?

Becoming alert to the entire process of solidification for clearing your dues is actually one of the better things some plastic cash holders can do. Individuals who wish to improve or keep their credit rating can use solidification measure because it is helpful for holders associated with the several credit debt. You have to hold few things in your mind whenever consolidating your debts.

 

Initial question which comes your thoughts is the reason why in case you follow this procedure? You can find, in fact, numerous reasons why you should consolidate or combine the plastic cash debts. One of the explanation and this can be cited in this regard is you can easily avail better prices. While consolidating, if a defaulter emerges most readily useful prices, then there is no reason the reason why he cannot to just take this chance which will be provided to him. Consolidating the plastic money dues may also induce substantial savings.

 

Consider all the interest you may be at this time settling simply by using multiple cards. Include all of them up. Now note the fresh rate of interest and then compare both. If the fresh interest is dramatically lower than the regular old interest levels which you had been spending, it may be a good financial choice to combine the whole liability load that you simply are having. Having cards with lower price is not at all required to use in this method.

 

There is another explanation making specific wanting to consolidate their particular liabilities to eliminate his economic burden and live life in a simple method. Because of the payment of just one bill, you can easily tone down a lot of stress and strain. You are able to reduce enough time of bill payment as well. Consolidating the liabilities provides you an opportunity to eliminate debt predicament.

 

While deciding this procedure, you have to avail professional help by employing expert companies as they have the needed expertise to acquire reduce your debts.

 

Debt consolidation organizations are accessible in just about every state but most are just flat out more experienced than the others in debt negotiation. That is why it’s so important for customers to utilize debt settlement sites. These networks qualify and only take a performing debt negotiation businesses. To locate a legitimate debt negotiation business within condition have a look at following website link:

Totally Free Debt Advice.

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Avoiding Chargebacks and Credit Card Fraud

More than anything else, its fraud that affects online business. If your online business suffers likewise, its time to make a few changes!


First, lets understand why do chargebacks happen? A chargeback occurs when a cardholder disputes a credit card purchase, for any one or more of the following reasons: –


• The item ordered by the customer was not delivered to him.

• The item delivered to him is damaged or in poor condition.

• The customer feels he hasn’t received what he thought he was buying, or, the customer feels he has been cheating into buying a product that was advertised differently.

• In case the purchase was made on a card lost or stolen from the card holder.

• Sometimes certain customers just use chargebacks to their advantage in order to get out of paying for a product.


So, if the customer is not happy and has initiated a chargeback, the card issuer bank will proceed with the chargeback process on behalf of the card-holder. Sometimes banks do not even inform the merchants about chargebacks, unless it is a clause of their agreement or contract. With the bank being under no obligation to notify the merchant of the chargeback, the bottom-line of the business can get seriously affected, pretty fast!


Chargebacks must be avoided! And to do that, the authenticity and credibility of the cardholder has to be verified. To do that effectively over an online platform, AVS is the best technological tool. AVS stands for Address Verification System; it does not have a 100% guarantee for fraud prevention but is definitely the best that is available today. AVS matches the billing address provided by the customer at the time of purchase with that provided at the time of applying for a credit card. Getting a match for an address and zip code is a good sign. However, if only one of the two matches, it is the merchants’ discretion whether the sale must be authorized or not. If there is no match, then it is in the best interest of the merchant to apologize to the customer and reject the order.


Here is how excessive chargebacks can cause irreparable damage. With every chargeback, not only does a merchant lose the actual inventory and the purchase price, but there are also chargeback fees assessed to the merchant each and every time. Consult your merchant account provider if you do not know what fees you can be hit with. That is not all. Merchants, who have excessive chargebacks, can lose their merchant account without warning. Moreover, they could end up on the MasterCard Match List, a.k.a. Terminated Merchant File, which is looked at by other providers and if you show up on it, this means you will not get a merchant account. You can expect to stay on the list for 5 years too.


Use caution and good judgment while accepting orders. Do not sell to any customer who is unable to complete the verification process. Lesser the chargebacks, better will be your Internet business and merchant account!

For more information, visit Credit Card Processing and Merchant Account Services.

Locating the Most Readily Useful Charge Card Options for Your

Private finance may be one section of our life that creates many anxiety. When you have the proper information to deal with individual finance, the strain could be significantly reduced, and you can solve the issues and stay glued to your finance plan. See a few of the helpful ideas in this article.

Keep close track of your personal finance by seeing your credit file closely. Not only can this empower you with important information, but in addition it may enable you to ensure that nobody else has actually compromised your private information and is committing fraud in your name. Generally examining it once or twice a year is sufficient.

You and your children must look into community schools for university over private universities. There are numerous highly prestigious state schools which will cost you a portion of what you will pay at a personal school. Also give consideration to attending neighborhood college for the AA degree for an even more inexpensive training.

Spend over your minimal quantity due on school loans, mortgages, bank cards and just about every other particular loan. It will help you save a beneficial little cash throughout the mortgage. A lot of your monthly payments will the attention and paying additional is going toward your key.

Electronics are extremely high priced and can be big money should you not get a good package. Attempt to do-all of the electronic devices shopping on the web, as you will find bargains and deals, that may enable you to select the price that you would like to cover.

If you’re an associate of every teams including the police, armed forces or a vehicle help club, ask if a store provides discounts. Numerous stores make discounts available of 10per cent or even more, although not all promote that fact. Ready showing your card as proof of account or provide your number if you are shopping online.

Becoming a good consumer can enable one to capture onto money pits that can usually lurk in store aisles or regarding the racks. A good example are available in numerous pet stores where animal particular products will frequently include equivalent ingredients despite the animal pictured from the label. Finding things such as this will avoid one from purchasing above is required.

In the event your company provides a match towards 401K, make certain you’re contributing at least extent they fit. When an employer offers to match your resources, these are typically really giving you no-cost cash. The funds you add shall help you reach pension goals and is tax free. It’s a win-win circumstance, throughout.

Even in a world of online bank accounts, you really need to remain managing your checkbook. It is very easy for what to get lost, or even not necessarily know how much you’ve got invested in just about any 30 days. Make use of your on the web examining information as something to stay down monthly and accumulate any debits and credits the traditional means. You can easily catch errors and blunders which are in your favor, as well as protect your self from deceptive fees and identification theft.

As you can see, the guidelines in article overhead is a good idea in minimizing the strain of working with your own personal finance plan. By using this helpful tips, you are able to immediately can get on with solving the issues you face. Then you can move out and revel in life!

Northrop Grumman Retirement could be an instant and easy economic option. But you need to know what things to consider, and how to identify ideal discounts.

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