High Risk Merchant Account Breakdown

Do you want to get credit cards processing online, over the phone, or via mail order? Have you had a tough time getting approved for a high risk merchant account? If so, you may be wondering: What is it – “high risk”, and how does it apply to my business?

What is a High Risk Merchant?

Any business where there is no customer’s signature on the receipt of the credit card purchase – all e-commerce and mail order/telephone order (MOTO) businesses – has the potential to be labeled “high risk” by banks providing merchant accounts. In the list below you will find out what high risk merchants consider which some card-not-present businesses include:

  • Adult entertainment merchants
  • Online travel agencies and travel merchants
  • E-Cigarette merchants
  • Online pharmacy merchants
  • Online spieling merchants
  • Pre-paid calling card merchants
  • VOIP merchants
  • Offshore merchants
  • International merchants
  • Mail Order / Telephone Order (MOTO) merchants
  • FOREX merchants
  • Tobacco merchants

In case of not being aware in what industry you are, your business may be considered high risk if:

  • Starting a new e-commerce business you expect high monthly sales volumes.
  • You have a history of customer disputes or a high chargeback rate.
  • Availability of a high average transaction value.
  • You offer a subscription product or service.
  • You’ve had a merchant account terminated by a bank in the past.
  • You have recent bank failure or just a poor credit history.

High Risk Means Hard Times

If your business is considered to be high risk, you might be refused for a merchant account without knowing the reason. Even if you are approved for a high risk merchant account, banks might set strict trading conditions that make it impossible to run a beneficial business. High risk merchant accounts often require:

  • Large up-front deposits
  • Delayed payouts
  • High reserves
  • High credit card and transaction fees
  • Caps on processing volume

All of those restrictions can mean the difference between your business’ success and failure.

World of Tanks Game

World of Tanks is a MMGPG game developed by Wargaming.net, where the player plays from a third person or driver and shooter. Vehicles and prototypes are available mainly from the Second World War and the beginning of the Cold War. There are more than 70 million players here. This game won a worldwide Golden Joystick competition.

Wargaming.net runs 6 game servers according to geographic location: Russian (first launched, 7 clusters), European (2 clusters), North American (2 clusters), Chinese (2 clusters), Korean and Vietnamese. The game works on a free-to-play model, playing alone is free of charge, but a premium account can be bought for the money (increasing the yields of each battle), special tanks (premiums), better bonuses, camouflage etc. After registration, of base tanks and is allowed to go with the chosen to battle. The Battle is (typically) a battle of 15 against 15 tanks at the end of which each participant is evaluated for battle and is rewarded with the appropriate amount of credits (gaming currency) and experience. These credits can be used by the player to invest in new tanks, for which they must have enough experience, or to buy ammunition, tank equipment.

There are playable tanks for seven nations (Soviet Union, Nazi Germany, United States, France, China, Britain and Japan) and the offer is constantly growing, but access to them is limited through career advancement. Tanks are divided according to the nations and the characteristics (light tank, medium tank, heavy tank, tanks fighter, artillery) forming a development branch, which the player can gradually unlock for the experience gained. All the biggest names from the WWII are in the game and some of them are, Scorpion, Maus, Tiger, AMX 50 B, AMX 13 90 for which you can read the full review on https://gamestore.live/wot-accounts/amx-13-90. Most tanks have different types of guns, belts, radios or motors, which can also be acquired and assembled with experience. heavy tank, tanks fighter, artillery) forming a development branch, which the player can gradually unlock for his experience. Most tanks have different types of guns, belts, radios or motors, which can also be acquired and assembled with experience. heavy tank, tanks fighter, artillery) forming a development branch, which the player can gradually unlock for his experience. Most tanks have different types of guns, belts, radios or motors, which can also be acquired and assembled with experience.

WordPress Blog Essentials

When setting up your self-hosted WordPress site, there are certain plugins and WordPress settings which I consider essential if you want your site to be successful. These suggestions are mainly targeted toward business sites and niche blogs, but can be beneficial to some personal blogs as well.


Install & activate the Google XML Sitemap Generator Plugin. This very cool free plugin will automatically generate sitemap files for your WordPress site as needed, and it has many configurable options.

Install a Contact Form plugin and then create a contact page on your site. You’ll also need to have an email account for use with the contact form so that you can receive the contact messages and respond if needed. A contact form gives your visitors a good way to reach you if needed and also helps to build confidence in your business.

If you allow comments on your site, then you should activate the Askimet Anti-Spam plugin which is supplied with WordPress. This plugin does a pretty good job of screening out Spammy comments to your posts and pages. To activate the plugin, you’ll need to get a free API Key from WordPress.org.

Why WordPress

WordPress Settings:

From the WP dashboard, go into Settings, and then Privacy. Check to make sure that the “I would like my blog to be visible to everyone, including search engines (like Google, Sphere, Technorati) and archivers” option is selected.

Change your site’s Permalink structure so as to help your posts and pages get much better visibility in the search engines. Here’s how:

a.) From the wordpress dashboard, go into Settings and then choose Permalinks.

b.) Next, choose the “Custom Structure” option.

c.) Enter the following into the text box at the right: /%postname%.html

d.) Now save the settings.

What this does is it changes the internal linking structure between pages and posts on your site so that they include the title of your post or page in the link. This can massively increase search engine ranking and visibility, especially if you use your targeted keywords in the post or page title.

Custom Essay Writing Services

Much as we would like to complete our assignments ourselves, there are genuine times when we need some support in doing part of the work. This is because the professional support offered to online clients has quality as the core consideration. There are many reasons we can cite why people would prefer to contract academic custom essay writing companies. exceptional grammar and zero% plagiarism online academic custom essay writing services provide original papers with superior grammar with free plagiarism and grammar-check reports as proof.

Whereas one can complete work on their own, the processes of editing and revising can be tedious and time consuming. Academic custom essay writing companies have writers dedicated to ensuring that editing and revision of papers is done thoroughly and accurately. The other advantage is that there is a chance of looking at the paper twice because the client provides the control. The client’s feedback ensures that the writers conducting the academic custom essay writing have eliminated all the errors.

As the standard practice, academic custom essay writing entails writers first completing the drafts. The next step is to utilize computer-aided programs that check written materials for originality and grammatical adequacy. These programs are accurate and ensure that the work of academic custom essay writing writers is made easy through the suggestions for corrections provided in the form of an evaluation report.

In higher-level learning, it is a requirement that students conduct research and develop papers that are highly convincing in terms of the quality of statements. In this respect, academic custom essay writing should ensure that the entire process follows the standard guidelines for research. Citations must be included at all sections where information from various reference materials utilized. For this reason, writers must engage in studying the various elements of individual formats, in order to ensure that they are able to create papers that conform to the format requirements accurately.

The format is vital because it creates the appeal that pulls readers towards the paper at the expense of other papers. Format, affordability, research-based content, adequate grammar, and originality are factors that jointly make up the overall quality of work offered for purchase by web sites like essayscouncil.net. If you would like help in research papers and term paper help you can visit https://essayscouncil.net/.

Batman Arkham Asylum Game Review

Batman: Arkham Asylum has been given some sweet reviews. It is well liked by everyone who plays it and caters to many age groups. Not only did it sell two million copies in two weeks, it also won a spot in Guinness world book of records as the best acclaimed super hero game. The writer of this game has been working on Batman for many years and is well seasoned with the characters and story lines so he was able to keep the game true with some new twists and spins.

This game plays in the third person where you are controlling batman. The game begins right in the heart of the drama, as Batman chases toward the asylum and the Joker follows behind. The Joker breaks into the crazy asylum and makes plans with some of the bad guys to form an evil group. After he arranges his top secret plans, a fire emerges and the Joker escapes from harm. Batman has to overcome many hurtles as he attempts to keep the Joker from releasing all of the crazy patients. He must dart over buildings and open gas vents to do this.

The game contains some gory parts which make it true to the movie The Dark Knight. There are a few violent images but nothing too disturbing. At times there are girls in skimpy outfits and the odd use of bad words, but nothing too over the top. The main functions in the game are to explore the world and fight bad guys as they try to stop you. There are four types of fighting moves you can choose from; strike, reverse, jump and stun. And with these moves you can do drop kicks, elbow slams and punch.

So, the game was really one of the best when it was released, just as the Batman: Arkham City. But according to this news article, it seems that these two games are going to be remastered for the PS4 and Xbox one consoles. That means that maybe this new Batman Arkham HD Collection will be even better and that Batman will maybe be the best game released for 2019.

The Pros and Cons of Dental Veneers

It’s easy to see why most people would want a flawless, bright smile, what with all the pearly whites that grin at us from magazine covers and TV screens, but that doesn’t mean that you should rush to the nearest cosmetic clinic and book an appointment; like all surgical treatments, dental restorations have to be considered carefully first. Veneers are very popular in the world of dentistry, mainly because they can provide that ‘Hollywood’ smile that so many are looking for, by covering up misalignments and discolouration, and changing the proportion of the teeth so that they look more aesthetically pleasing. If you are unhappy with the way your teeth look, you might want to think about getting dental veneers, but before you make your decision, you need to look at the treatment from all angles, including the negative aspects associated with it. The process of fitting veneers is costly and can sometimes involve extensive reconstruction of the natural teeth, so you need to consider the future implications, instead of just looking for a quick fix right now.

What are the pros of dental veneers?

They can fix your smile – By far the biggest positive of having dental veneers fitted is that they can fix your smile, and give you back the confidence to speak and socialise – something which you might not have had if your teeth were noticeable misaligned. Instead of waiting for expensive orthodontic appliances to do the work, veneers can straighten and adjust your smile in a matter of weeks, with flawless results. Although there are some fantastic brace systems on the market today, some adults still don’t like the idea of wearing ‘train tracks’ or clear aligners, and they can take advantage of the speedy treatment that porcelain veneers can provide. Not only can they help with teeth alignment, veneers are also great for covering up dental staining, which may not always respond to a whitening procedure; it won’t get rid of the discolouration, but it will disguise it and prevent the enamel from deteriorating further.

They look natural – They might be more expensive than the alternatives, but you certainly get your money’s worth with durable porcelain veneers; they look natural and can last for ten years or longer, with good care. High-end products like Lumineers or Emax veneers are made from treated porcelain that can last for decades in great condition, and they are painted with a translucent coating that gives them the appearance of natural teeth – most people would struggle to tell the difference even after a close inspection. Composite veneers are not as durable as the porcelain variety, and they don’t always look as natural either, but they do cost less and they don’t require as much reshaping, as they are made from bonding material, rather than an individually sculpted shell.

They are versatile – Although most dentists would probably prefer to fix misalignments and other problems using orthodontics, veneers can be used to cover a multitude of problems; from heavy staining to crooked, crowded teeth. Of course, extreme cases would have to undergo some sort of treatment first, before the veneers are fitted, but because the process involves cutting sections of the enamel away, it means that the shape of the natural teeth underneath is not too much of a concern once the end result has been achieved.

What are the cons of having dental veneers?

Price – The biggest barrier to treatment for a lot of people is the veneers cost; dental veneers can be as much as a thousand pounds just for one, so imagine what a full set would be, covering the upper and lower jaw. It’s not unusual for patients to pay upwards of twenty thousand pounds for porcelains, and unfortunately this does put most working people off having them fitted. However, there are some finance options available to you, if you have your heart set on veneers; almost all cosmetic clinics will work with a loan provider to make sure their patients have access to the best products without having to raid their savings or run up a huge credit card bill. Talk to someone at the Pearl Dental Clinic if you are interested in the finance plans offered to patients who would like a set of porcelain veneers.

Normally irreversible – Unless you have very minor alignment problems or you invest in the more expensive Lumineers – which don’t always require the natural teeth to be reshaped, you will have to have sections of enamel cut away, in order to fit the porcelain veneers in place. This might not sound too appealing, but it is a necessary part of the treatment; you don’t want the outcome to be bulky or over-sized. Because the outer shell of the teeth has been considerably reduced, this does mean that the process is irreversible, so you need to think carefully about your future finances, and consider whether or not you will be able to replace or repair any broken veneers after a decade or so, otherwise you will be left with unattractive, peg-like teeth.

They can sometimes cause sensitivity – Shaving away the protective layers of the tooth can occasionally have some effect on the sensitivity of the inner pulp, and the patient might notice a slight ache when they eat or drink something that has an extreme temperature. This shouldn’t be extremely painful, but it can be disconcerting, and if you want to avoid it, opt for a more expensive product like Lumineers, as they can often be placed over natural teeth without extensive reconstruction.

Fitting requires some artistry – You could be forgiven for thinking that all dentists fit veneers in exactly the same way; while the principle is the same, it actually takes a high level of skill and experience to place dental veneers in a flawless way, which is not something all surgeons have. For this reason, finding a suitable dentist can sometimes be difficult, and you should always ask to see some evidence of previous work before you agree to anything – if they can’t provide you with proof of their skills, look elsewhere for treatment.

Helping Your Child Cope with Divorce

Divorce is difficult for all members of the family, but it is an especially tough transition for kids. There are many things about adult relationships and divorce that they do not understand and in many cases, children believe they are responsible for their parents no longer wanting to be married. Thankfully, there are things parents can do to make the transition from a married to a divorced family smoother for kids.

How can you make your divorce easier on your children?

Encourage Children to Discuss their Feelings

Kids should feel safe sharing their feelings about the changes occurring in their family, even if those feelings are negative. When you speak to your child about the divorce, try not to judge or react harshly to anything he or she says. This can be tough if your child expresses blame toward you concerning the divorce, but allowing your child to be open and honest makes it easier for him or her to process the changes and can lead to a healthier relationship with you in the future.

Avoid Arguing in Front of the Children

Families often see the worst in each other, even when things are relatively rosy in a household. Unfortunately, when a situation deteriorates and divorce is imminent, it can be tough to create a healthy, pleasant environment in a home. It is important for parents to do all they can to avoid fighting in front of children. Kids need to feel as if their parents are still a team when it comes to parenting, even if they are no long tied through marriage. Research has even shown the single biggest factor in long-term adjustment for kids of divorce is how well parents are able to manage conflict and protect their children from it.

Anticipate Healthy Resistance

Even if your child adjusts to the idea of living in a different location or shuttling between two homes, he or she might occasionally act out. Understand this is normal behavior during the adjustment, but if it continues or becomes severe, you should not ignore it. Overreacting to misbehavior can be just as damaging as failing to take action when the behavior is out of control.

Understand that Professional Support Might be Necessary

Do not be ashamed or embarrassed to seek professional support for anyone in your family if he or she is having a tough time dealing with the divorce. Having the ability to speak to a trained professional can make the transition much easier for everyone. Barclay DeVere is the UK’s best Mediation company and you can visit their website to find out more about them and the services they offer, and the following link https://www.barclaydevere.co.uk/mediation-locations/ will show you the counties they cover.

Do you need a Will?

It has been recently reported that around 70% of the UK population do not have a Will and I imagine that a large proportion of these people are unaware of the trouble that can be caused as a result. Here are just a selection of issues that can arise if there is no Will in place upon a persons death:

Your estate will pass in accordance with the Administrations Act of 1925 which means that any of your potential beneficiaries may not receive what you had wished. Instead, the strict order contained within the Act determines the distribution of your estate. Large amounts of Inheritance Tax can be paid. An accurately drawn up Will can save you large amounts of money in tax. Wills can often be made as part of an Inheritance Tax planning exercise.

Many excuses are used to put off the process of making a Will including:

“Making a Will can be depressing”
“I’m not really worth anything so what’s the point?”

Neither of these are valid reasons to not make a Will. Ok, so writing your Will may not be the most exciting task however it will not bring forth mortality and it can take as little as 10 minutes. There are a range of Will writing websites online most of which offer a quick Will writing solution. Most people do have money or assets which will justify making a Will, for example a lot of people forget the value of their properties. So you should think again if you think that your “not really worth anything”.

How to make a Will

The cheapest and fastest solution to making your Will in Surrey nowadays is via the internet. There are a whole host of Surrey Will writing services online, such as Direct Wills Trusts Surrey and their website https://surrey.directwillstrusts.co.uk/. The Will process can take around 10 minutes and there are no expensive legal or solicitor fees incurred – just a simple solution emailed to you upon completion for you to sign.

How Mediation Works

Both parties have to want to mediate otherwise mediation cannot help to solve the problems that have arisen. It may be that one or both parties will want to have an initial meeting with the mediator before making up their minds whether they wish to commit to the process. This is a good idea. A couple can agree to meet with the mediator together or on their own for this first fact finding meeting. Most mediators like to meet with each individual alone for a short time initially and then bring the couple together if the parties are happy with that. By attending one meeting, neither party is committing to undergo the process. A decision can be reached at the end of the first meeting when more is understood about how mediation works.

Once underway, the mediation process involves the couple talking their differences through in the company of the trained, neutral family mediator with a view to reaching their own agreements and solutions to the problems they are facing. Most couples will know how difficult it is to have these conversations at home and will probably have attempted to reach their own agreements informally. Emotions such as anger and resentment can get in the way and those conversations can become very negative and this is when the Miams Family Mediation Service is needed the most.

In mediation the family mediator controls this process for the couple in order to create an environment in which they can communicate more effectively. This does not mean that emotions are not given expression. It is important in many cases that things are spoken about in a frank and honest way. However, the couple will be encouraged to listen carefully to what the other has to say and the family mediator will work hard to ensure that the discussion stays proactive. It is not an easy process for couples and does require the full commitment of both parties as well as the skills of the family mediator to make it work.

There are different types of mediation such as “shuttle mediation” where the mediator will see both parties individually and will then pass information between the two parties. There is also “co-mediation” where there are two mediators in attendance with the parties rather than one. It may also be appropriate in some cases for each parties’ lawyers to attend mediation with their clients to provide legal advice during the mediation session. Mediation is a very flexible tool and your mediator will suggest the method or methods that may work best for you.

Affiliate Marketing – Where to begin?

The most successful affiliate marketers set up a business and make money as Internet business owners.

We like to call it a home business, but in reality everywhere you have Internet connection you can make money. Many people prefer to travel, and have a good time, while working their business from wherever they are at.

Home is not the most important part of home business. The word business is the most important part of this phrase. You must treat it like a business and that means learning how to be successful, and having the discipline to be a business owner.

Make a lot of money. I know some people are happy to supplement there income to the tune of $200 a month.

However, many of you may have decided to become an affiliate marketer because of the attraction of earning really big money. I am talking about earning over $100,000 a year.

There are Internet marketers who earn over $1 million a year with affiliate marketing. Because there are so many different ways to go about it you really can make as much money as you want.

Low start up capital. I have been a franchise owner in the past and have invested thousands of dollars to get started. Most affiliate programs don’t cost any money to get started. If you choose to build your own website, and host your own domain name, you will need about $25 to get started.

If you don’t have Internet marketing skills you can hire that done. For example, you can hire somebody to set up a WordPress blog as your website for $5 at Fiverr.com.

Getting started with little or no money out of your own pocket is certainly a draw to affiliate marketing. This can be both a benefit or a disadvantage depending on how seriously you take what you’ve just done.

Other reasons people decide to become an affiliate marketer is they purchase a product and decide they want to sell it. Some people join affiliate marketing because they can make money in multiple niches. Amazon is the best platform for selling products and probably the largest. It is easy to start selling your products on Amazon and you can see it for yourself from this selling on amazon guide. Regardless of the many reasons the opportunities to make money as an affiliate marketer continue to be good and are only going to get better!