9 Ways to Cut Your Company’s Payment Fraud Risks 

Fraudsters are now focused on business’ alternative payment methods with weak protection. What steps are you taking to fight fraud? Who can help you with a secure and low cost bad credit merchant account? Below you can find several effective ways and a secure merchant services provider to fight fraud with ease. 

Prevent Fraud & Get a Bad Credit Merchant Account

82% of companies fell into the trap of fraudsters in 2018, as the Association for Financial Professionals reports. In fact, small and midsize (SMBs) businesses are faced with greater threats in this regard. 

Almost half of U.S. small and midsize companies underestimate payment fraud threats. A Vocalink Analytics report shows that nearly 50% of smaller companies think they won’t get awfully hurt if they were ever hit by fraud.

What about you? Are you looking for the right merchant services provider that can help you avoid fraud as much as possible? With the right specialist, you can protect yourself from payment fraud and mitigate chargebacks. A true payments expert can provide you with the most secure and cheapest payment processing services, including the best bad credit merchant account.

How to Protect Your Company from Payment Fraud    

Here’re steps that can help you effectively control your potential internal and external risks:

  1. Educate your employees involved in payment processing so they can know how they can directly/indirectly impact the company’s risk exposures. Each of them should know your fraud risk policy and the consequences that may result.
  2. Implement internal controls, meaning plans and/or programs aimed at protecting your company’s assets, ensuring the integrity of its accounting records, as well as detecting fraud and theft.
  3. Build a clear organizational structure, develop written policies and procedures, as well as fair employment practices.
  4. Use accounts payable automation to keep strong financial controls, reduce headcount, and streamline the manual processes that may result in big internal risk exposures.
  5. Build your payment process by taking into account the best practices.
  6. Use automation to get rid of manual phases: this will boost safety by cutting the risks of fraud and those of mistakes.
  7. Build a uniform, company-wide process to manage payments and centralize all your bank connections to a single system: this will help you enjoy exceptional transparency.
  8. Keep an eye on payments coming in and going out, have proper checks and balances between them. Monitor the payments being transferred to unknown bank accounts or made without following the normal payment schedule.
  9. Consider hiring experts who can help you with internal control audits and forensic, as well as with general and basic consultations.

Unfortunately, 48% of business owners of small and midsize businesses think their businesses are small enough to be a target for fraudsters, as … Read more

Condominium Investing Tips and Tricks

Nowadays, condominium investment is increasingly widespread. Of course, as a wise prospective buyer, it helps you get to know the potential and even the existence of condominiums through some tips for choosing the right condominium for you, so that later it will provide benefits, you can also consult with The Ola EC so that you can invest appropriately

 Choosing the Right Developer

How do you know whether the developer is correct or not? Of course you can see every portfolio that the developer has done before. Bona fide developers tend to have quite well-known portfolios such as the team from Anchorvale EC. We are not saying that other developers are not good at building condominiums, but usually they have a greater risk of bankruptcy with other developers. For that you should use the EC Sengkang services

‘Clean’ finance

You have to prepare good finances. First, before buying a condominium unit, usually someone estimates the amount of down payment (DP) that must be paid first. Of course if finance is not qualified, it will usually make loans to banks for some money. And the bank will check your financial history. Are you the right type of borrower or disciplined. So that it can be given a loan or not by the bank

Choose the Location well

Site selection Close to the city center? Not always condominiums will sell well in the city center, in fact some of the tenants in this time are prioritizing a fairly quiet area of ​​course that is easily accessible by transportation. Or choose a condominium in a well-known tourist area. singapore, several condominiums from several trusted developers will also be built here. So it would be wise for our advice, you choose a place in the tourist area

This is a Long Term Investment!

If you want to buy a condominium for profit potential in the short term? Think again. Because condominium ownership is generally carried out for the next five or even 10 years investment. And this is a good investment. Of course this is related to the location of the condominium. So make sure to look for information related to the infrastructure that will be built in the future around the condominium.

Read the contract carefully

In a contract you have to understand it to the fullest, the contract is the most complicated thing to understand, but the information contained therein will dictate you to better understand the rights and obligations that will apply to you. This is the most important thing to understand. So don’t just read the night and understand it.… Read more

6 Benefits of Using an Electric Car for Daily Use and Companies

Along with the changing times, now technology is increasingly developing and making various interesting discoveries that can benefit humans. Including developments in the automotive field, in the automotive sector, various automotive companies are increasingly competing in the production of electric cars as one of the innovations and solutions to overcome problems to reduce pollution, save fuel and various other problems. If you want to try using an electric car without buying an electric car you can try “electric car leasing deals“, So what exactly are the benefits of an electric car? The following explanation.

1. Without Emissions

One of the advantages of electric cars is that they contribute to protecting the environment and do not produce emissions. Several studies explain the use of electric cars can greatly affect the environment compared to using cars with petroleum fuels, especially in the level of air pollution. Also, other benefits will, of course, make the air quality even better.

2. Quieter When Driving

Another benefit of electric cars is that they provide more comfort when traveling. This is because its superiority is quieter and smoother, so it impacts on comfortable driving because it doesn’t cause much air pollution. This is different from most cars with petroleum fuels, especially as in cars with diesel engines whose engine performance is noisier.

3. Faster

Electric cars have incredible acceleration. Why? because electric cars can send torque in a fairly fast time to the wheels. For example, the Tesla car with the S model has an acceleration of around 3 seconds for speeds of up to 100 km / h.

4. Cheaper Prices

Who does not want to have a car at a cheap price? It seems everyone will make the purchase price of a car as an important factor in buying a car. If you buy an electric car, then you will incur a much lower cost, especially in terms of car use, of course also will reduce the costs used for fuel. Especially if you have a company that uses a lot of vehicles such as trucks or minibusses, or even companies that provide vehicle facilities for company workers, in addition to buying lots of vehicles at lower prices, it also reduces vehicle operating costs for each day. If you are interested in using electric cars for your company, you can visit “Business electric car leasing” for more information.

5. Minimal care and not complicated

A car certainly requires maintenance, one of them is like car engine maintenance. But on electric cars, it doesn’t need much maintenance. This is because electric cars do not have exhaust systems and do not need to change car oil, even spare parts on the combustion … Read more


After you do how to choose the right carpet and get your dream carpet, then you must understand how to take care of the carpet. You can take care of your carpet by yourself or you can also hire the Zionsville Carpet Cleaning which a good carpet cleaning service provider. Carpets that are not properly maintained will be easily damaged and later you will need extra costs to carry out special maintenance or even replace them even though you have not recently bought the carpet. Make your carpet as a decoration that is long-lived, as the purpose of the carpet is made. Before starting the discussion 10 ways to clean the right carpet, it helps you understand the various carpet materials so that later you also know how to treat your carpet during the cleaning process.


Want a carpet with the strongest and most durable material? Wool is the answer. Many people have proven and recognized the quality of carpets made from wool. Besides being super durable, wool is also easy to dye to make it possible to produce carpets with an unlimited choice of colors. Wool carpet is very suitable to be placed in a room that is often skipped or trampled on by people because it is not easy to thin and comfortable for your feet. If you have a wool rug, clean it regularly so it doesn’t get damaged quickly.


Bamboo is a multi-purpose fiber. How not, this natural fiber can be woven into silk thread or cut into thin layers. Typically, carpet with bamboo material installed in some rooms such as the living room, bedroom, or hallway from the entrance to another room. To maintain the durability of this bamboo carpet, it should not be placed in an area with a high level of humidity. It also means that you have to prevent the bamboo carpet from being spilled or wet cleaning.


Made of polymer, carpet that uses acrylic material can be shaped to resemble wool carpet or cotton carpet. This is an alternative you can choose if you want a carpet made from natural fibers, but the quality is the quality of synthetic fibers. As a synthetic fiber, acrylic makes the color of the carpet does not fade easily.


Having the same advantages as wool, cotton is also a fiber that is easily colored with various colors. However, cotton rugs are cheaper than wool rugs and have a more casual look. How to weave cotton fibers for making carpets usually by braiding or by flat weaving. Cotton carpet is a smooth carpet, so comfortable to use as a carpet that also functions as a cushion. Carpets that … Read more

When it is Time for AC Replacement

5 Signs it’s Time to Replace the A/C Unit

A/C breakdowns are frustrating and while you may think that calling a repairman to fix the unit is the best solution, replacing the unit may be a better idea. Although a new A/C unit is a big investment, continuing to spend money on repairs to keep a unit operating is simply throwing money out the window. While many A/C breakdowns are simple fixes, pay attention to the five signs below that indicate replacement may be the better option.

1- Age of the Air Conditioner

How old is your A/C unit? A well-maintained A/C unit averages about 15 years lifetime and uses, while others may last only about 10 years. It’s a good idea to repair the A/C unit that is over 10 years old if problems begin to occur. The older the A/C unit, the more problems you’ll experience. Fewer repairs and expense, as well as improved advancements in technology, are among the benefits of an A/C replacement.

2- Inefficient Operation

If your A/C unit has a low SEER rating, it’s time to replace the unit with a new unit. An A/C with a minimum SEER rating of 13 costs significantly less money to operate and offers the family more comfortable temperatures. If your unit doesn’t have the SEER 13 rating or better, consider replacing the unit as soon as possible. AC replacement may initially cost what seems like a large sum of cash, but it pays for itself in no time. You’ll notice that the home is cooler, more comfortable and that your energy bill costs substantially decrease.

3- Expensive Repairs

Evaluate the cost of the A/C repair to make sure it makes sense to spend the money on a repair. Complete the usual comparing with two or three companies to find the best rates for your A/C repair needs. If the repair is just as or more expensive than the costs of a new air conditioner, it makes sense to spend the money on a better unit that won’t face the same breakdowns and headaches as the current unit. Do not waste your money repairing an A/C unit that’s seen better days when it makes sense to replace that unit instead.

4- Frequent Breakdowns

If you find yourself calling repair professionals more than two times per year, it’s time to throw in the towel and replace the unit. Frequent breakdowns signal a unit that’s seen its better days and probably has a better life in the recycle bin. Besides, can you think of anything more frustrating than sweltering in the summer heat due to yet another A/C breakdown? You’ll save money after replacing the unit and avoid those frustrating … Read more

Advantages of Finding Funds through Receivables and Factoring Funding

Slow cash flow movements are often a problem that prevents your business from developing more successfully. One of them concerns the problem of accounts receivable (granting loans to other people or companies). The receivable collection process is quite long causing delays in the smooth running of the company’s balance sheet.

If it continues, this can cause serious problems for your business. It is not possible, right, you run a variety of operational activities without having an adequate availability of cash. Therefore, it is important to deal with it well from the beginning to avoid the impact or risk that will arise.

In this problem, entrepreneurs will usually take away to finance receivables or by using factoring. This method is considered as an alternative to short-term or long-term financing according to a mutual agreement or quick solutions to get funds that can make cash flow stable again.

Before deciding to choose one of these solutions, you need to understand the difference between receivable financing and factoring financing. If you are interested in getting more complete information or want to consult more clearly you can visit: factoring companies.

Receivable Financing

Receivable financing or known as invoice financing/invoice discounting is an act of borrowing several funds against several company receivables that are running in a company.

Broadly speaking, factoring-brokers will lend you the funds as borrowers as long as the receivables are still running and have not been billed. Then, when the consumer has paid your loan, you must return the funds to the investor. Of course the loan repayment and all the interest following the agreement that was agreed upon from the beginning.

If you have urgently needed funds to run the company’s operations, and are confident of being able to collect receivables from those who pay you in quick time, then this credit financing solution is suitable for you to choose. But keep in mind, you should still consider the risks that will arise if the collection of receivables does not go according to your estimates.

Benefits of Receivables Financing

1. Receivables financing can expedite cash flow in a short time.

2. Can overcome a variety of urgent financial problems for your business, especially if you can no longer find other sources of loans in a fast period.

3. Company activities can continue to run well and normally, until the time the receivables can be disbursed.


Factoring is an act of financing by purchasing company receivables. Understanding factoring is financing activities in the form of purchases or transfers, as well as the management of receivables or short-term bills of a company from domestic and foreign trade transactions.

Broadly speaking, the understanding is, the owner of the receivables will sell … Read more

Types Of Mortgage Loans For Homebuyers

Buying real estate with a mortgage:

Is it time to buy your first house? Or perhaps you have owned several homes and are buying another. Whether you intend to buy a home and flip it in a short time or buying your dream home that you plan on living in the rest of your life there are several types of home mortgage loans available to consider.

Most Common loan type

By far the most common home loan is a fixed-rate loan. These types of loans have a fixed interest rate for the life of a loan. Mortgages on a fixed rate loan are typically for 15, 20, or 30 years in duration. These types of loans are great for purchasers who desire regularity and don’t plan on moving any time soon. The increase or decrease in interest rates over the duration of the loan won’t change the terms of the loan. If you plan on only being in your home for a short period of time you may want to consider other available options.

Adjustable rate mortgage (“ARM”)

This type of loan likely includes interest rates lower than those available for fixed-rate loans. Generally, an ARM loan is taken out for five, seven, or ten years. If you stay in the home without refinancing beyond the term of the ARM the interest rate will likely increase. The monthly payment on the loan will increase as well. ARM loans are attractive for those who don’t plan on staying in the home for long. Buyers with lower credit scores may find this type of loan attractive as well. A lot of people with lower credit scores can’t get good rates on a fixed loan which may make the ARM loan a good choice for them.

Federal Housing Authority (“FHA”)

An FHA loan may be attractive to those buyers who can’t put down the typical 20% required to purchase a home with a regular mortgage. An FHA loan may allow buyers to purchase a home with as little as 3.5% down. This type of loan may be suitable for those that don’t have large savings accounts that allow for a sizeable down payment on their home purchase. There are down sides to an FHA loan. Most loans are limited to approximately $417,000. This type of loan also includes paying mortgage insurance which may be paid upfront or over the duration of the loan. The cost of the mortgage insurance is typically around 1% of the loan.

Veterans Loans (“VA” loan)

This type of loan is available to those who have served in the United States military. VA loans may be an attractive alternative to a traditional loan for those veterans who have served … Read more

Why Investing In Gold Is The Best Option?

Having some money and not trusting banks? Say no more, you want to invest your money in assets that are not going to be eaten by inflation, wars, or robbed by hackers. We’ve got the right answer for you – gold coins!

People still think that the best way to keep their money is in the bank. They think that the bank is the safest place on earth. What they don’t know is that having the money on your bank account is like place $100.000 on the street leaving a Chihuahua to guard it. Yes, you have someone watching them, but is this the best option? No! Hackers are out there breaching every security measure banks set. And they steal.

If you invest your money in this, they are no longer invisible and fictive. Your money in the bank doesn’t really exist, it’s just a number until you ask for them to pay them. That’s why hackers can still it so easy.

In this article, we’ll tell you why finding gold coins for sale is the best idea! Read on and learn all about it!

Gold price never drops

Since gold is on the market, its price never dropped significantly over a long period of time. If you buy such a coin worth 100 US dollars today, you can be sure that it will still be at least 100 dollars 10 years ahead.

Chances are big it will increase significantly and this is based on the fact that with time, it is only going up. For example, 40 years ago, 1 oz was $35. Today, the price is around $1400. Can you see the difference? A 100 dollar coin bought in 1970 today would worth $4000. Just because it’s made of gold.

Of course, numbers aren’t fixed at all times. They move up and down daily. Wars, economic and political fluctuations, natural disasters, all this affects the price every day. However, compared to anything else on the market, gold is affected the least.

This means you can invest in coins today and leave them in a bank safe or on a special place at home for years. When your children grow up enough to find a use of them, give them as a gift that will probably worth a lot more than at the moment you bought them.  

Easy to store

What’s best about gold coins is that they are very easy to store. Let’s say you have coins worth 10 ounces with you. You can easily place them in your pocket right now. But if you think about it, that’s actually 14.000 dollars. Can you easily place this kind of money in your pocket? Didn’t think so!

If … Read more

The Mind-blowing Numbers Behind Container Shipping

While there may have been incredible advances in rail and air travel, commercial shipping still dominates international cargo transport. With an ever-increasing population and flow of commerce, this often overlooked part of modern life can be quite fascinating. 

Shipping Still Dominates

An incredible 95% of international cargo is still transported by sea. It is by far the cheapest way of sending goods and that number is going to remain high for a long time. Trucks are obviously limited to land and aircraft have greater space limitations and higher operational costs.

When it comes to container ships, the world’s fleet includes over 5,000 vessels that are dedicated to transporting containers filled with just about anything and everything. Each container holds a huge amount of cargo. Virtually all large countries with some manner of coastline maintain large ports that will send and receive this cargo through a complex process.

Huge cranes with fasteners, eye bolts, and chains are able to lift and place shipping containers where they need to go. In order to maintain a supply chain, marine shipping yards rely on a materials supplier and other professionals to establish an appropriate infrastructure and keep it in operation.

Containers On A Global Scale 

If every shipping container was laid down in a row, they would stretch around the circumference of the world twice. That’s a lot of cargo to be moved from one port to the next and also a lot of containers that can potentially be lost at sea.

It is estimated that around 10,000 shipping containers are lost each year, which equates to around one every hour. When you think of that, it’s a lot of full containers now sitting on the floor of the ocean

The Life Of A Shipping Container

You have probably seen a shipping container in a place far away from the sea. It could be in a scrap yard, storage facility, or even repurposed for residential living. That is because the expected lifespan of most containers is only around 15 years.

Once they have reached the end of their life, they are usually sent off to be sold or recycled. It’s a whole world of shipping, lifting, and logistics that’s required for even small transactions.

The Ships

It’s easy to understand that rows and rows of massive shipping containers require a huge ship to support their size and weight. The largest container ship in the world is the Maersk Triple E Class, which is able to hold around 18,000 standard size containers. It has a deadweight of 165,000 tons and is an incredible 400 meters long. The fact that these immense vessels are still able to float is a testament to modern shipbuilding.  … Read more

Tips for Choosing and Buying Solar Panels Easily

Tunisia – Although it sounds contradictory, the use of solar thermal energy for cooling machines or refrigerators is not impossible. In Tunisia and Morocco, researchers from Fraunhofer use solar energy to cool a number of food ingredients, such as milk, wine and fresh fruits.

The use of solar cooler energy is done by installing panels to capture sunlight which is then processed by a reflector machine. Besides being used to cool, radiation from sunlight can also be used to make hot water up to 200 degrees Celsius.

“This method is ideal for countries that are more exposed to sunlight,” said a researcher Dr. Tomas Núñez. In addition, research funded by the European Commission through the Polytechnic University of Milan is certainly environmentally friendly and reduces excessive use of electricity.

Along with the trend of using solar panels, many prospective users are interested and want to buy solar panel products. However, many of them do not have the experience of choosing and buying solar panels, here are tips on choosing and buying solar panels easily and independently.

If we check on the internet together about solar panels, many types and brands of solar panels are offered. When we check several online stores with solar panel keywords, we will find a variety of shapes, types, capacities and features of solar panels offered by sellers.

When buying directly to the seller, such as at LTC Glodok, Jakarta, for example. Prospective users also will not only find a kind of solar panel, but various types and at varying prices. Choosing solar panels will be quite troublesome for beginners who want to start using solar power generation systems.

Is it true that certain brands have the best quality?

In the world, there are levels of companies with certain brands that have the best quality. These companies are included in the World Tier 1 solar panel company. Not many companies are at this level, but the types of solar panels they offer have several advantages.

However, that does not mean the tier 1 panel is always the best. The price of solar panels at this level is fairly expensive and not economical to use on small and home scale.

Some other brands on the market, may not be included in Tier 1. But are more familiar and affordable for most consumers in Indonesia. This is normal and permissible. Even though it has the same capabilities and functions as a tier 1 company. But it does not guarantee that other brands that are commonly used, also have the best quality.

Some buyers trust the seller, because the solar panel products have the right certification and offer guarantee guarantees on solar panels. But compared to the costs to … Read more