Open Your Mind To New Payment Processing Opportunities

Payment processing is frequently one of the best areas to take advantage of residency arbitrage. Potentially lower costs, better technology, more currencies, laxer regulations, more banking options not to mention it can be critical to tax planning.

Yes, the card schemes (mainly Visa and Mastercard) have systems to try to prevent such arbitrage and they are getting a bit better but mostly they aren’t very good at it and when you combine differences in their rules with the tax laws it creates many wonderful international structuring opportunities.

So how does international payment processing work?

The card schemes (this is what we call Visa and Mastercard, who are far from the only players but they are the biggest global players by far and the most international players) have divided the world up into regions. In order to obtain processing in a region you need to have a legal entity registered in that region (in most cases). In some cases they try to demand an actual presence but even so there are fairly simple ways around this.

Various regions have their own interchange tables. Interchange tables are the most basic rates charged by the card schemes to process transactions. Don’t get distracted you’ll essentially never pay the interchange rates because an ISO (independent sales organization) or MSP (Member Service Provider) will mark up those rates to obtain their share and it might get marked up a few times depending on how many intermediaries are involved in delivering the end result. Generally speaking these organizations will charge somewhere between what’s called interchange +0.15% and 1+% more when it is high risk business and less when it is lower risk, more when it is lower volume business and less when it is higher volume business. The rationale is obvious, the providers need to make money and the greater the processing volume the less they need to mark it up in order to be profitable.

This is the first potential arbitrage, interchange rates vary around the world so you can take advantage of lower rates by setting up your high risk payment processing offshore processing through one region or another. There are usually cross border fees for foreign transactions to help prevent this (in some cases it means setting up separate processing in multiple regions is advantageous) but in some parts of the world the cross border fees still don’t make up for the differences in rates.

You can check regional interchange rates for many parts of the world on the Visa and Mastercard websites (some people will tell you this information is private and cannot be disclosed that’s nonsense, it is public).

Keep something in mind very often processors aren’t passing the savings on to the end client. Europe is quite famous for this, interchange rates dropped April 1st to new lows, incredibly low levels but by and large processors didn’t lower the rates merchants pay. It helps to know this because it helps to know how much negotiating leverage you’ve got.

This is another thing to know about payment processing, rates are typically negotiable in fact in shopping business around I’ve seen as much as a 2% spread in gross processing fees, which is unbelievable! You should definitely shop around to multiple processors, leverage them against each other, and negotiate with them to get the rates as low as you can. Particularly if you’re low risk high volume you can negotiate a long way because it’s better for them to have the business than not have the business.

Health Savings Accounts – An American Innovation in Health Insurance

INTRODUCTON – The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.

In America, the health insurance industry has changed rapidly during the last few decades. In the 1970’s most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-forservice. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care (CDHC). Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.


A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

Another feature is that the funds contributed cbd isolate oil to Health Savings Account roll over and accumulate year over year if not spent. These can be withdrawn by the employees at the time of retirement without any tax liabilities. Withdrawals for qualified expenses and interest earned are also not subject to federal income taxes. According to the U.S. Treasury Office, ‘A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

HSA’s enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.’ Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account

The Health Savings Account was established under the Medicare Prescription Drug, Improvement, and Modernization Act passed by the U.S. Congress in June 2003, by the Senate in July 2003 and signed by President Bush on December 8, 2003.

Finding a Good Sports Betting Strategy to Win Your Bet

Betting in sports is fun but of course, as you are putting your money on the line, it is also important that you find a good sports betting strategy to help you win your bets. Like any other game of gambling, betting in sports outcome can be risky and in fact, it can drain your bankroll if you become carried away by it.

If you are a sports enthusiast wanting to venture into sports gambling, or if you want to add more thrill to your favorite games, you may want to find out how you can bet on sports and enjoy it as well.

Indeed, as mentioned, betting on a sports outcome can be fun but it can also be risky, thus you may want to develop a certain sports betting strategy by understanding the rules of betting as well as the risks that you are getting into.

To help you develop your sports betting strategy, here are important points that you may want to consider.

– Betting on a team that is favored to win is not always an advantage. In fact, betting on the crowd favorite may not give you more winnings than betting on the underdog team. learn about spreads. This will give you an idea on the conditions of where you are putting your bet.

– Learn the type of bet that will give you a higher chance of winning and lesser risk. In gambling, the highest jackpot prize is often a prize for a more difficult to win game and in sports betting, you may also find the same rules. There are different types of bets in sports and make sure that you understand each one of them. Betting on the winning team may probably be the simplest type of bet that you can put your money into but they may also have lesser winnings.

If you are betting on several teams winning 토토사이트 at a particular order, you may find a bigger winning but of course, the possibility of guessing the right outcome may however be a little difficult, thus riskier. If you want to win more, then go for the simplest types of bets. This sports betting strategy is not just basic but it can also help you enjoy sports gambling more as well.

– Play with different sports books and bookies. This will allow you to find different lines and will give you a chance to find a line that may be in your advantage of course. You can also find a good advantage in having a local bookie as most people often bet for their home teams, thus will allow you to find more betting options.

Even if you are putting your money on sports for fun, it is always important that you have to manage your money right from the start. Good money management should always be in your sports betting strategy as this is one important part to enjoy sports gambling and not make it a means to lose everything you have.

Why IT Professionals Are Selecting Cisco Certifications

Cisco- It is one of the multinational companies that provide valuable certification courses to the IT professionals. According to present economic condition, it is very difficult to shine in a particular field. That too in information technology field, it has become a situation for the professionals to certify with some IT certification courses. In this aspect, Cisco certifications help the candidates to gain more knowledge in various specializations in IT.

What are the Cisco certifications available?

Cisco offers various types of certifications and each certification provides knowledge in one specialization. For instance, CCNA (Cisco certified network associate) certification consists of complete details about networking concepts. From this certification, candidates can learn more about basic networking concepts like installation, troubleshooting, configuring etc. Similarly, there are several certifications where candidates can select according to their field and seek for more opportunities. The following are some of the Cisco exams that are offered from Cisco and they are:

10) CCIE Voice etc.

Still there are several certifications offered from Cisco according to the latest changes in the information technology. Moreover, candidates are showing special interest in certifying with Cisco certifications every year.

Reasons for why candidates choose Cisco certification:

There are various reasons for candidates selecting Cisco certifications for their career. Some of the major reasons are as follows:

1) Since Cisco is one of the top most companies with its various branches around the world, candidates can certify with certifications from any part of the world.
2) Cisco certifications are accepted in all over the world and candidates will have maximum opportunities in all parts of the world.
3) In multinational companies, preferences are given to the professionals who have adequate knowledge in certain domain. Cisco exams courses are updated frequently with respect to current trend and hence, successful certified candidates can get preferences in top level companies.
4) Another aspect is about salary in companies. Successful certified candidates are eligible to perform various activities that will help the company or client to satisfy their needs. So, candidates can demand for salaries in multinational companies. Even companies are willing to provide maximum benefits to the candidates who are proficient in a particular domain.
5) Since the certification is valid only for three years, candidates need to upgrade their certificate in order to keep them valid. So, candidates can learn more about a particular domain.
That too in information technology field, it has become a situation for the professionals to certify with some IT certification courses. In this aspect, Cisco certifications help the candidates to gain more knowledge in various specializations in IT.

What are the Cisco certifications available?

Cisco offers various types of certifications and each certification provides knowledge in one specialization.
For instance, CCNA (Cisco certified network associate) certification consists of complete details about networking concepts.  lam bang cao dang From this certification, candidates can learn more about basic networking concepts like installation, troubleshooting, configuring etc. Similarly, there are several certifications where candidates can select according to their field and seek for more opportunities. The following are some of the Cisco certifications that are offered from Cisco and they are:

Learn How To Earn Thousands Of Pounds From Matched-Betting, With No Risk At All, Guaranteed Cash


To lay a bet is simply to bet that a certain event will not happen, ie to take the place of the bookmaker.

An Example:

Say that Man Utd are playing Aston Villa in a football match. The odds for Man Utd to win (when expressed as decimal odds) are 2.25 (or 5/4 as fractional). The odds for Aston Villa to win are 4 (or 3/1). Odds for the draw are 3 (or 2/1).
If you were to lay Aston Villa to win, and you were willing to do this with an amount of £10, you are basically offering £10 for someone to bet on Aston Villa to win. You are taking the place of the Bookie, and allowing a punter to place a bet.
When you lay a bet, you are betting against that event happening – so in this example, you are betting against Aston Villa winning the match. If Aston Villa lose or draw, then you are successful. Only if they win, have you lost your money.

You can lay any bets at an online exchange, the most popular ones being Betfair and Mansion. We will discuss these in more detail later on in the article.
Say Aston Villa win, you have to pay out £40. (The £10 lay and then the £30 winnings – £10 lay x odds of 4 = £40).
However if Aston Villa don’t win – they lose or draw, then you get the £10 lay, which was the punters money.

Another Example:

Say that Arsenal are playing Tottenham Hotspur in a football match. The odds for Arsenal to win (when expressed as decimal odds) are 3 (or 2/1). The odds for Tottenham Hotspur to win are 4 (or 3/1). Odds for the draw are 2.25 (or 5/4).
If you think there was going to be a bit of an upset, and you think Arsenal won’t win, you can lay them to win. Say you lay them with £40, at 안전놀이터 odds of 3. This means that if Arsenal do not win, ie they lose or draw, then you’ve earned £40.
If Arsenal do win, then you’ve got to pay out for the bet – £120. (The £40 lay and then the £80 winnings – £40 lay x odds of 3 = £120).

Earning money from this:

You may now be thinking that this just sounds like another form of gambling, and to be honest it is, but there is a way of using it to guarantee a profit with a little help from online bookies.
Often when you use an online bookmaker, they will offer you some form of a sign up bonus – for example, when you sign up and place a £30 bet, they will give you a free £30 bet.
The free bet or bonus enables a profit to be made from bet laying/matching.
When you match a bet, you are basically covering both sides of the bet.
Imagine you were to lay a bet, as mentioned earlier on in this article. Then you make exactly the same bet but this time you bet normally, by staking a certain amount at certain odds, at a bookmakers. If you win your bet with the bookies, you will get your winnings from that bet but you will also have to “pay out” for your lay. This is where the two outcomes cancel each other out, meaning you have lost nothing (but also gained nothing). However, if you were to use a free bet or bonus money, then either on the lay or the bet you will make a profit.

It’s important to point out at this point that when laying a bet, it’s important to try and lay at odds that are as similar as possible to the actual odds that are available at the Bookmakers. This is so that a minimal loss is made when making the bets. Also, if you are able to find lay odds at the Exchange that are lower then the odds at the Bookmaker, you can guarantee a profit.

Discount Dental Plans and Affordable Dental Care

Healthy teeth and gums play a fundamental role in our overall health. Regrettably, rising dental insurance premiums and treatment costs have made dental care inaccessible to many people across the nation. Today, there are more than 108 million children and adults without dental insurance in the U.S. As the need for affordable dental care continues to grow, more and more people turn toward discount dental plans as a cost-effective and easy-to-use alternative to dental insurance.

Current research shows a clear shift in the dental benefits marketplace attributed, in part, to concerns with cost, choice and service. Many consumers and employers are moving away from the inflated premiums, strict restrictions, poor service and other limitations often associated with traditional dental insurance and are looking toward the savings and benefits offered by discount dental plans. “With an estimated 45% of Americans not having any type of dental coverage, and the dental insurance marketplace offering few, affordable dental products for individuals, discount dental plans are an attractive answer to the need to reduce consumer out-of-pocket costs and increase access to care.”

Discount dental plans provide consumers with the value they desire by offering access to affordable, quality dental care at a low price and with an emphasis on choice and service. Plan members pay a low annual membership fee and are granted access to a network of participating providers offering discounts of 10% to 60% on most dental procedures, including braces, root canals, crowns, dentures, cosmetic dentistry and more on select plans. Certain plans even include discounts on additional benefits, including prescription, vision, hearing and chiropractic care.


Discount dental plans, designed to provide significant savings on members’ dental care needs, have quickly become an attractive alternative to costly dental insurance. Traditional dental insurance, once the only dental benefit option available, features many drawbacks including costly deductibles, tedious claim forms, long waiting periods and other limitations. On the other hand, discount dental plans are more cost-effective, easy-to-use and free of these hassles.

Additionally, discount dental plans – starting at $79.95 per year for individuals and $129.95 per year for families – are much more affordable than dental insurance. According to a 2005 report by the National Association of Dental Plans (NADP), a trusted representative of the dental benefits industry, the average monthly premium for individual dental HMO insurance is nearly $16 (about $192 per year), compared to nearly $24 (about $288 per year) for individual dental PPO insurance and nearly $31 (about $372 per year) for individual dental indemnity insurance. According to NADP, “Discount dental plans have become an economical and important alternative to combat the rising cost of health care. They are a cost-effective vehicle for millions of undeserved consumers to improve their access to dental care.”

How to Get a Valid Free Sports Bet Online

Before we can get into a deeper discussion on how you can get a free sports bet online, it may be a good idea to familiarize ourselves with the idea of a what a ‘sports bet’ is, in the first place. This would be for the benefit of those who may be coming across as term for the very first time.

And as it turns out, a sports bet is simply a bet that is placed for or against a certain sporting event coming to pass. If, for instance, two boxers are soon going to fight, you may decide to place a bet against boxer A winning the fight, while your friend places a bet for boxer A winning the fight. The arrangement, in the simplest terms, is that if boxer A loses the fight, you give your friend some some money, say $100 – and conversely, if boxer A wins the fight, your friend gives you some money, most likely a similar $100.

Virtually all sorts of sporting events can be betted on. There are people placing bets against football, horse racing, boxing and even tennis and golf outcomes. Naturally, some sports are more preferred over others, as being suitable to place bets upon. The likes of horse racing, boxing and soccer, are very popular with sports betting enthusiasts.

So with this background information, we can get back into our discussion on how to get a free sports bet.

Of course, the idea of getting a free sports-bet sounds rather counter-intuitive, because betting is supposed to be about money; so that when someone talks about free sports betting, you are likely to find yourself wondering what they are actually talking about.

In order to be in a position to understand how a free sports-bet comes about, you need some insight into the workings of online sports betting.

Online sports betting works in pretty much the same way as traditional sports-betting; save for the fact that the betting takes place of the Internet. What the people looking to partake in this online sports betting need to do is register with the sites where the betting takes place, create accounts there, deposit the money they would be using to make the bets there, and then proceed to make the bets using that money. In some of these sites, a majority actually, the betting amounts are standardized; so that for $5, you can ‘buy’ a bet, with which you can then decide what to bet on. The bet now becomes a commodity, with a standardized price to it.

So when someone tells you that they can give you a free sports bet, what they mean is that they will load your online betting account with money that can buy one such standardized bet.

We talk about it being a ‘valid’ free sports bet when it is bet with which you can actually win real money, rather than a ‘demo’ bet.

And the way to get one such free sports bet would be by searching over the Internet for any sports betting website that may be offering free 안전놀이터 sports bets (maybe as a strategy to attract new members or as a strategy to retain loyal members), and then proceed to register in older to attain the free bet. Most of these websites will have a ‘free sport bet code,’ which you enter when registering (for those aiming at attracting new members) or when loading money into your betting account (for those aimed at retaining loyal members). Upon entering the code, you find your betting account loaded, or added, extra money that would be enough for you to buy a sports bet. That way, you will have found a free sports bet.

Aerial Photography Using RC Helicopters

Over the last year the use of remote control helicopters for aerial photography applications has taken a massive leap forward into the mainstream. This is mainly due to more exposure in the press and thus more people knowing what is possible. The basic technology has actually been available for a while now, although recently it has become cheaper, more reliable and with a few new innovations, much safer.

So how can you go about getting your own aerial photography rig in the air? There are three main elements to consider:

* The helicopter airframe you wish to use.
* The camera gimbal, control and viewing system.
* Stabilisation and autopilot technology.

The best way to decide what remote controlled helicopter to use for your aerial photography project is to first decide what camera or camera weight you would like to use. If you decide to go for a budget option with a small point-and-shoot, then you can get away with a smaller helicopter to lift the weight. Visit : However if you want to go all out with DSLR aerial photography, then you will need a larger helicopter, at least a 600-class to lift the required weight. Stick with electric motors the benefits being less vibration and noise. The helicopter should be of a good build quality, being able to endure heavy lifting, and then modified to your requirements, the Align and Maxi Joker series are a popular choice.

Once you have a helicopter ready to go, make sure you can fly it comfortably. Then you can look at the best way to mount your camera system – in front or under slung. Both will work better in different situations, however I prefer a front mounted system, as this is easier to isolate from vibration, and allows a better angle for filming. The weight can easily be offset by mounting the batteries below the tail. Vibration isolation is very important; it is most certainly worth buying a more expensive mount that does a better job of this. Control can be achieved through a second radio system (and a second operator is recommended). Controlling pan, tilt, roll, shutter and many other functions is possible as well as video down links so you can see and frame you shots from the ground.

Flight stabilisation for remote controlled helicopters has moved forward very quickly recently, with great new innovations as well as military UAV technology making its way into the commercial market. I would recommend at least a basic system, as it will provide a much more stable platform to shoot from. If you are an experienced pilot, this will be enough. However if your budget can accommodate the outlay, there are autopilot systems capable of flying your aerial photography helicopter with no manual input via pre-programmed GPS waypoints. Safety is also a great benefit of these systems, from holding the helicopter stable if communication is lost, to returning it to its take-off point automatically with the more advanced systems.

A final word must be said about insurance and permission to conduct aerial work within the UK. So far as I know there is no equipment cover available for small unmanned aerial photography vehicles in the UK, there is however cover available for public liability and professional indemnity, both of which I recommend taking out. Finally the Civil Aviation Authority requires that any aerial work carried out in the UK has permission from them to do so. They are considered the leading body in this field and thus many other countries are following their approach.

Soccer Poems – An Ode to the Game

Soccer does not only require physical activity, it also appeals to the emotions of others especially those with strong conviction to the game. As a result of their passion, soccer poems were written to stand as a genuine witness for the authors’ love of the game.

It is apparent that both soccer players and enthusiasts were not contented just to enter the pit and play or just sit there and watch the game unfold, they also want the sport to be honored in their utmost capacity. truc tiep bong da Some players because of the admiration of the game don the game’s jerseys every time they leave their homes some carry the game’s ball wherever they were bound, some emulate the styles of their favorite player, especially the hairstyle and gestures, and some even uses the name of their favorite icons as their nicknames.

Some soccer enthusiasts who were not contented still of doing these things does exhibit ingenuity by writing verses like the one given below. This poem is written by a hardcore enthusiast. Just read her lines below for it clearly show everything in her.

Here is one example of so many verses or poems written by Jacinta Mary Ramayah from Malaysia;


When God deigns to watch soccer

He sits on the fence

While you clasp your palms in prayer

Cries of ‘goal’ fill the air

While the players run and sweat

Both punters and rookies hope to make a gain.

The poem clearly shows the author’s knowledge of the game especially the World Cup for the topic is obviously speaking about the competition. Soccer poems may only be known for those who love the game but one thing is for sure, it still exhibits the feeling of the one who wrote it. Anything you write truly reflects the person you are, it is a mirror that somebody looks at when they want to know you deep inside.

Online Loan – Incorporating Technology in the Loans Process

The use of computers was introduced immediately after its launch by loan providers to ease their operations. Internet technology that resulted in the emergence of the online loans was introduced later. Necessity is the mother of invention. The adage aptly holds in case of online loans. Borrowers always suggested a method wherein there participation in the loans process is minimised. Lenders too needed an online loan to lessen their own workload.

An online loan came to benefit both the borrower as well as the loan provider. The ease with which online loans resulted into will be best illustrated when compared with the scenario that prevailed before its inception. A borrower was required to be present at the loan provider’s office for all the documentation. The situation became more troublesome when the period of operation of the loan provider matched the office timings of the individual. This excludes the plight of common borrowers who had to visit several lenders to check their loan offering. There was no other manner in which the borrower would have conducted the search in those days. Most borrowers who could not have borne the inconveniences of the process unwillingly accepted the offers that came to them, with full knowledge that they could have received better deals.

The benefit to the loan provider accrues in terms of the decrease that online loans have brought about in the paperwork. Details of each borrower needed to be documented. This would often be too time-consuming. Besides, there was unnecessary wastage of stationery and required the employment of personnel to undertake the job. An online loan saves for the borrowers on all these counts. Details of the borrower are received along with the application form. Duplication of work is made look at this site for help redundant and thus saves time as well as cost incurred by the loan provider. If the cost incurred in arranging an online loan is low for the loan provider, then it will willingly offer the loan at a low cost.

Online loans [] have become very popular now. People still hesitate in dealing with a virtual loan provider. There are basically two aspects to this hesitation. Firstly, there is the issue of reliability. People still need a personal bonding with the loan provider before acceding to the loan agreement. To make the process of awarding online loans more personal, some loan providers allow easy access to its representatives. Borrowers can easily consult the experts for getting justification on important issues related to the online loan.

The other issue that may affect the borrower’s decision to get an online loan is of safety. The online scams that are regularly in news often are behind the vacillating decision. However, most loan providers make more than sufficient endeavour to ensure that the safety of the borrowers’ information is upheld. The details of the borrowers are stored in a secured server to prevent unauthorised access. The latest encryption technology is used to ensure that borrowers get the maximum security of their data. Borrowers are also wary of the marketing companies that are forwarded their details for undertaking their marketing campaigns. This is expressly prohibited under Data Protection Act of 1998. Relevant bodies have been set up where a borrower can complain about such misuse of the personal information.