All About Online Banking

Banking today isn’t about standing in line anymore. Instead of waiting in line, go online, and discover the advantages of internet banking. Access your account 24 hours a day, 365 days a year. Do all of your banking from the comfort of your own home. In fact, the advantages are numerous:

  • Look at your financial statements anytime you want. The online transaction record is updated instantly, so when the bank knows you made the transaction, you know too.
  • Save precious time and money. Going to the bank often requires booking time off work, driving a considerable distance, and spending hours in line. Doing your banking from home will save you has money, and will help you avoid unneeded stress.
  • Reschedule your payments. If you need to skip a payment, or pay off your credit card early, a simple click of the mouse and the transaction will be complete.
  • Send yourself money. If you are in the business or habit of sending money internationally, or even between cities, you could save yourself considerable hassle by transferring your money electronically from the comfort of your chosen internet connection.
  • Borrow money when you need it. If you have a financial product such as a line of credit, you can borrow money from it over the internet. A simple click and you can place the money in your checking or savings account.
    The possibilities of using the internet to conduct financial transactions has greatly increased the flexibility of the modern internet user. Instead of spending your life waiting in line at a bank, go online, and save your time and money.

Proper Use and Care of a Boat’s Electrical System

By the time a boat gets a few years old, it will probably have a number of things in the electrical system that need to be updated or replaced. When an insurance surveyor comes along, he may end up handing the owner a long, and costly, list of things that need to be corrected.

An electrical system for a boat is much different than that of a house or even a car. Sea water is a fair conductor of electricity. Therefore, there are some additional rules on the materials and methods of installation when it comes to boats.

Materials & Equipment – It is important that only equipment and materials rated for marine application be used. The American Boat and Yacht Council has very stringent standards for this. Things like common household wire and wiring devices, as well as electrical equipment and appliances should not be used on boats. These things are not properly constructed, insulated or grounded and could either start a fire, or worse, result in an electrocution. Federal regulations require that all electrical devices that are used in the engine compartment or bilges be "ignition protected" means that they will not create a spark that can cause a fire or explosion.

Buying Older Boats – When buying a used or older boat, one of the things to pay close attention to is how much rigging and alterations there are in the electrical system. Sometimes there are quite a bit. In most cases, the owner may not even be aware of why things are constantly breaking down. Usually he blames it on the pump or motor when actually faulty wiring is the problem. You should be aware that on boats with poor electrical systems, the cost of straightening it out can be pretty high.

Electrical systems do not last forever. Over time boat systems degrade, particularly when it comes to the effects of corrosion. It is recommend that a boat have an electrical system survey once every 5 years. This does not take long and does not cost a lot of money. In fact it may save you hundreds of dollars in unwelcome headaches. In most cases, the survey will reveal the effects of damage which may need to be cleaned up, along with a few minor repairs. The advantage is in not allowing these problems to accumulate to the point that it becomes a big, costly job.

Adding New Equipment

Most boats, particularly smaller ones, are not designed with the idea of ​​adding new equipment, even though nearly everyone does. But the primary reason why systems get so messed up is a result from the attempt to force something in where there is no provision made for it.

Gardening Ideas That Can Be Useful To Start

Herb Gardening For Beginners

The kits usually come with a variety of seedlings, a dome for greenhouse, pot for the herbs, peat moss and soil combination, and fertilizers. Each kit comes with step-by-step instructions on how to plant which herbs, and how to care for them from day 1 and onwards.

Nonetheless, for individuals who are bold enough to try the outdoor gardening, there are resources which provide helpful instructions on how to get started. Depending on the type of herbs cultured, there are varieties that are best suited for a particular purpose and require specific needs.

Herbs that grow for tea, mint herbs are among the easily planted in shady areas. Some of the best mint teas are peppermint, spearmint, and orange mint. They are best grown in pots as they tend to overpower other plants when grown on open beds.

For herbs grow for decorative purposes, among the best picks are the chamomile and wild thyme. They best thrive when planed between paving stones as their discharged leaves will leave fragrance on them.

There are also herbs that are specifically grown to attract bees. A few of these herbs are the sweet marjoram, bergamot and catmint.

Articles and discussions posted on the web also serve a good source of information on herb gardening for beginners. These community sites share information and anyone can post a question, then a lot will respond.

It can be done indoor. Since they require sunlight, they should be placed on windowsill. Hanging herb gardens are also a nice alternative especially if the plants planted are fragrant.

Chia Herb Garden

Not everyone is endowed with a gift of a green thumb. Worse, not all of us have outdoor space from which a garden can be built. But no need to fret; with the innovation of technology, one is possible to grow herbs right at the comfort of one's home. And if anyone has not tried to grow any plants at all, there is no need to worry as well. The Chia Herb Garden is exactly what everyone should need.

The Chia Herb garden is a starter's kit for everyone who sports all colors of a thumb. The kit comes with everything needed in order to grow healthily a variety of herbs-4 3-inch terra-cotta pots with 4 matching saucers and 4 matching plastic saucer liners, 4 Chia growing sponges, 6 plant marks, and 6 varieties of herbs namely Dill, Sweet Basil, Curled Parsley, Chives, Cilantro and Sweet Marjoram.

Some Chia Herb Garden kits only have 3 terra-cotta pots, but the number of herb seedling remains the same. This concept is to allow gardeners to choose which seedlings they would like to use and grow. If they decide to grow all 6, then the gardener will simply order additional terra-cotta pots.

The Chia sponges-especially made from peat moss, bark and sponge material-make it easier for everyone to germinate and grow plants from seeds. It is also quicker than the conventional methods of seed germination. The sponges are super absorbent and designed for better retention of moisture and air.

Of course, the Chia Herb Garden kits are not complete without a booklet of instructions, recipes and helpful tips on growing herb gardens. Many who have outdoor gardens take advantage of the Chia Herb Garden to grow herbs quickly from seed germination. When the herbs have reached a specific growth, they are transplanted outside.

How to Select the Best Mobile Payment Application

Mobile point-of-sale (POS) solutions enable merchants to accept credit card payments where it is most convenient for their customers. Mobile payments allow merchants to accept and process credit card payments in the aisle, outside the store or anyplace customers prefer to pay. Small business owners or large enterprise merchants with a mobile sales team or non-traditional storefronts can expand their business and increase revenue by accepting mobile credit card payments using their existing smart phone.

Mobile POS systems are setting a new standard in convenience and are easy to implement and support. Merchants equipped with an iPhone, BlackBerry, Windows Mobile or Google Android device can submit, authorize and settle transactions quickly and securely.

Mobile POS systems offer several advantages:

  • Decrease Processing Cost- Merchant can lower their processing cost by using a single merchant account to accept retail and mobile payments.
  • Customer Satisfaction- Improve the customer experience by offering multiple payment options.
  • Flexibility- Mobile transactions allow merchants to take your storefront anywhere you go.
  • Stability and Reliability- Mobile POS software rivals those of the largest e-commerce, trading, and portal Web sites. Mobile POS applications can handle millions of transactions every month.

Lower Entry Cost

Considering that most people would rather lose their wallet than misplace their cell phone, it comes as no surprise that the mobile platform is quickly becoming a new payment option for small business owners. For many, our cell phone never leaves our side. It maintains its place at the dinner table, is easily accessible on your belt clip or in your pocket, and often, somehow it even manages to end up sharing your pillow at night. Today, cost conscience merchants can accept credit card payments without purchase traditional point-of-sale equipment or paying for expensive system customizations.

Market Expansion

Mobile POS solutions are priced for the small business owner and independent sales representative. Merchants can purchase a quality smart phone payment application from $0-$29.95. Questions to ask your mobile payment provider:

· Is the mobile application PCI compliant?

· Does the application support both small and large payments?

· Does the system require a payment gateway service? If so, recognize payment gateways require an additional recurring monthly fee.

· Does the application support swipe and non swipe transactions? Swipe transactions provide lower processing fees.

· What card readers are supported?

· Does the card reader support data encryption?

· Does your system provide online statements for viewing customer transactions?

· What mobile phones are supported?

· Does the system ensure no customer payment information is stored on the cell phone?

· What are all the fees associated with accepting payment?

· How quickly are customer payments funded to the merchant’s bank account?

· What is the license agreement? Specifically can the merchant load the mobile payment application on multiple devices?

We’ll undoubtedly see many mobile application providers come out of the woodwork as the industry matures. However, merchants should look for a mobile payment provider with multiple years of experience in the payment processing industry.

Top Mobile Payment Applications

1. MobileAuthorize (Google Android, BlackBerry, iPhone/iTouch, Windows Mobile)

2. iPayPOS (iPhone)

3. RoadMerchant (BlackBerry)

4. MobileMerchant (iPhone, Windows Mobile)