finance-worldwide

By: A. Nutt

Online shopping has become so common place; it is difficult to believe that there was a time almost no one would consider it because it was unsafe. As common as it is now, you should still take precautions to make sure that your payments are secure. There are still many sites which trick you into giving your credit card and/or banking information when they have no intention of sending you anything. Here are some tips to help you ensure that your payments are safe:
- The padlock in your browser does NOT mean a website is safe. Often people do not fully understand that the padlock only means that you have a secure online connection and not that the website is safe. Click on the padlock to read the site’s security message. It should have the name of the company. Make sure it is a name you can trust.

- Before you make a payment, make sure your browser says “https://.” and not just http://.

- Newer browsers look for secure sites so your address bar may turn green or red. If it turns red-STOP!

- When possible, use a trusted payment site such as Paypal.

- Check the company with the online Better Business Bureau.
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By: Steve8 Depraida8

There are several useful Merchant Account facts and information that may be of great help to you; either presently or in the near future. Such facts include payment processing and other general issues on merchant accounts. We have carefully outlined them below for your perusal:-

? What a Merchant Account is – For the benefit of those who are not yet informed, a merchant account is an account that allows the acceptance of credit cards. This account is kept in financial institutions. There are two ways you can go about opening this account. You have the option of either going to your local bank or using online search engines to find a service provider of this type of account.

? Discount rate – calculated in percentage, a discount rate is that which is removed from the processed charge. For instance, let’s say your discount rate is 2.25%. Therefore 2.25% will be deducted when you make an order for $90.
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Leasing Retail Space – Terminating the Lease

By: Patrick O Connor

Who Pays When Operating Expenses Increase?

Expense escalations are relevant when the landlord is paying a base level of expenses and when the tenant is paying expenses. With a typical gross lease, the landlord pays all expenses and the tenant pays expenses in excess of a base level. (Gross leases are atypical for retail.) The base level is typically the operating expenses for the year the lease is signed. The “expense escalations”, would be expenses in excess of this base level which the tenant is responsible for paying. (more…)

Finding and Choosing the Best On-Line Payment Processing Company for Your Business

By: Bryan Johnson

It is now widely known that ecommerce is one of the fastest growing channels of new revenue growth for businesses. Selling online presents opportunities for businesses to connect with new customers that were previously unreachable and allows them to do so spending less.

One of the most important factors that a business needs to consider when accepting payments online is choosing their payment processing vendor. Businesses will need two things to accept online payments: a merchant account and an online payment gateway. (more…)

What is a FICO Score?

By: Anthony Peck

Have you ever tried to get a loan, buy a car, get a job or rent an apartment? If the answer to that is yes you’re probably already familiar with your FICO score. It’s the three digit number that credit reporting agencies use to rate your credit and, by default, tell lenders, employers and landlords how reliable a risk you really are. (more…)