Credit Card Processing

The credit card is a commonly used financial instrument and its use forms an important part of personal finance. A credit card though simple to use has a networked system and structure that enables payment through a plastic card with minimal chances of misuse and fraud. The credit card industry mainly enterprises of:

  • Card Provider: Cards providers are very few in numbers. Some of the known credit card providers are: VISA, MasterCard, JCB, American Express etc. The logos of these card providers are what we very often see on entry to a store.
  • Card Issuers: financial institutions such as banks issue a MasterCard or VISA or any other card to card holders. This card will have logos of both the financial institution and the card provider.
  • Card Acquirer: The card acquirer processes the cards accepted by any store and this service is known as credit card processing or merchant account services.
  • Merchant Account: The merchant or stores have an account with a credit card processing service to enable credit card payments in their store.

Every credit card transaction initiates a flow of information and exchange of money between the credit card processing organization, card issuer and the merchant account authorized and connected by the credit card provider.

Credit card processing services do not limit their services to acceptance of credit cards alone but also enable the processing of various payment mediums such as: debit cards, electronic checks, gift cards and other forms of payment.

The credit card processing organization fulfills the key task of authorizing the credit card when presented to the merchant instantly. The credit card processing organization then debits the card issuers account and credits their account with the amount of purchase made by the card holder.This entails that the card issuer pays the card processing services for the transaction. The card services organization then makes the payment to the merchant after deducting a transaction processing fee.

This is the procedure followed for every credit card transaction and it is made easy for you due to the efficiency of various parties that are involved in making credit card transaction an easy process.

The Difference Between Digital Books and Ebooks

Most people today, don’t know the difference between a digital book and an ebook. In fact, many people think they are one and the same. They couldn’t be farther from the truth. They are entirely different species of the same animal.

Digital books

Digital books, sometimes also called electronic books or PDF books, are scanned, digital facsimiles of standard printed, published books. You can think of them as enhanced copies of the actual hard or paperback books we have come to know and love.

When we are talking about the digital version of newer publications, they are pretty much identical to the original. When talking about old or even ancient publication, they are much better than any original you would find on the shelf of your local library. Since they are facsimiles of the original printing, this really increases quality and helps overcome the problems of many older books, such as yellowed pages, stains, see-through or onion skin type paper, colored paper, brown inks, etc. These are scanned pages, not ‘copied’ pages, and the quality of print truly represents a better quality than the print of the original book.

The great majority of digital books come in PDF format, though Amazon offers a Kindle edition, Mobipocket offers the MOBI version, then there is the plain TEXT format, as well as many others.

Digital books are usually far less expensive than their hard or paperback counterparts, and there are hardly ever shipping costs, unless they are delivered on a CD (Compact Disk).


Ebooks are digital books too, but they were designed and written for the internet. Many, if not most ebooks were never officially “published” at all, unless you count posting something on the internet as publishing.

Most ebooks were meant to be written quickly, with little or no expenses except for possibly distribution. The majority are short, almost always less than 100 pages, usually under 50 pages. Some ebooks are literally slapped together in a matter of hours. Often they are little more than several short reports combined together.

Many ebooks are self-help books, or manuals of some kind, though there are some eBook works of history and fiction to be found if you look for them. More often than not, they have little or no literary value, their intentions being the distribution of facts, instructions and/or ideas.

Sometimes you may come across the eBook version of a hard or soft cover book. It will even be called the “ebook version” of whatever book. But if you look closer, you will find that this eBook version is almost always far fewer pages than the original. You may as well call the “ebook version” the “condensed version” of the book.

Though you will find many ebooks in PDF format, much like digital books, but many come as various generic interactive applications. But don’t let the initial attraction of interaction fool you. Even if this sounds like high tech education at first, you will find that there is not much to the promise of interaction. It just disguises the fact that these books are short, technically no more than a few pages, with little to no real practical, and even less academic value.

Last but not least, ebooks are often free or cheap, though you will occasionally find some specialty instruction “programs” costing hundred of dollars.


Technically, ebooks are digital books, though practically there is a big difference. Personally, I usually prefer a digital book to its eBook cousin.

By Thomas A. Retterbush

Benefits of Free Classified Ads

Of late there has been a much debate on relevance and usefulness of Free Classified Ads from the business perspective. Free classified ads are a sort of boon for small businesses who cannot afford to pump up large bucks into other forms of paid advertising.

Hands down, a classified ad is the cheapest way to spread the word about your company in order to connect with your potential audience. On the whole, below are some general benefits of using classified sites for advertising.

So, are they really useful? Yes, they are useful. But there is a catch; it depends on your requirement.

Time and Money:

While you can post your ad for free in many sites, the cost to access the popular classifieds sites which attract traffic is not costly too; in fact, it is nothing in comparison to the ROI it entails. Moreover, posting an ad is a simple process that doesn’t demand a lot of time. A simple ad copy is all you need.

Simple and Easy:

While other forms of internet marketing techniques demand a dedicated time and effort, classifieds posting is as simple and easy it can be. Preparing an ad and posting it could be a manual job,but there are sites which automates this process for you; Some of them even help you in preparing a better ad copy specific to each type of posting.


Targeting a good number of sites carefully selected depending on the context of the service, an online business can enjoy a tremendous reachability through classifieds. True that you need a good quality of sites to achieve that, as we have discussed before, access to such sites is cheap too.

High Return on investment:

Not only because it is very affordable but also due to its inherent nature of getting the word out a quality pace, Classified ads offer one of highest return on investment among other internet marketing strategies.

As we have said at the start of this post, though Classified ads seem like the best choice among all its counterparts, but it depends on the requirement of the user. While each method has its own set of positives and negatives and is suitable for particular type of strategy,we can say that Classified ads are the safest possible option to get a considerable exposure.

Most people who visit a classified site are search of the services, so as a service provider it is the best place to feature your advert. All you have to do is choose a good site that attract a lot of traffic and write an attractive ad copy.

Different Types of Computer Repair Services

Our dependency towards technology is increasing day by day. Even a minor problem in the operating system disrupts our life and hampers our work. With the development of new technology, there also comes many technical problems such as virus infections, spyware attacks on the operating system, networks issues, and hardware failures. Therefore, fast and efficient troubleshooters are always needed to fix all your technical problems without disrupting your work.

With the indispensable use of computers in our daily lives, we can not imagine encountering an issue that will leave us without our personal computers thus; we seek to have the computer service immediately. But due to the busyness of life, it is not possible for us to go to a computer service centers every time and get the system repaired leaving you days without a computer. Seeing today’s need, there are many efficient and fast troubleshooters available online that will solve your problem in a fraction of time. Many of us don’t understand need for professional computer repair services and try to solve the system related problem by themselves. Before going to any of the computer repair service sites, it is very important to be aware of the various types of services that are offered by the computer repair service centers:

1. IT services like network installation and configuration (LAN/WAN setup).

2. Virus & spyware removal. Installation of anti-virus software for a proactive approach to external attacks.

3. Hardware repair: Laptop/Mac/PC, printer, scanner, motherboard; CD/DVD ROM installation etc.

4. Problems related to Website development and presentation, graphic designing

5. Firewall and email security setup.

6. Windows OS installation and troubleshooting

7. Data backup and recovery

8. Tutorials to employees for solving small problems in-house

So, These are some of the services offered by the service providers. Before hiring any of the online computer repair services, it is very important to check the various types of services offered by them. So that you do not need to switch to different computer repair services sites for different services. It is also very important to check that there is a team of expert technicians for solving computer related problems individually, as this will help in solving the problem fast and efficiently. It is better to switch to such online computer repair services that avail you with the guarantee of fixing the problem fast else money back. As such, promises will pressurize the technicians to work efficiently and fix the problem quickly.