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.

Pest Control Services Are Important To Your Business

Clearly homeowners will want to keep their homes free from pests for hygienic reasons. But when it is a business that has an infestation, it is a legal requirement as well. Once a rumour starts that there have been bugs and pests seen in a business, it will start to affect business and this will be even worse if the organisation is involved in food preparation. It is not only when pests are seen at the premises that problems arise, but also if anything gets sent out in a parcel.

Customers do not want to open a can or packet of food and find a carcass in it, nor do they want to open any package and find droppings or body parts. Not only will there be the need to refund and maybe compensate, but could also mean loss of repeat orders and the end of a great reputation. When a license is issued there are lots of commitments that have to be made and if they are not kept the license can be removed. In the worst cases there can also be large fines and even prison sentences.

It also has to be born in mind that many people will be afraid if pests. And it can mean hours of lost working time if people are not able to carry on with their job. Pests will be a major reason for licenses being revoked, and as a result it will be best to get rid of them as soon as possible and normally with the help of pest control experts. Irritating bites can be the least of the worries in some cases depending upon the type of pest that is involved. Serious illness is possible from some, and it is both humans and animals that can be affected.

Some people will think the best thing to do will be to wipe out the pests, but this could cause more problems than it solves. Most of them will play a part in the food chain and nature in general, so control is the best option. It is here that the expertise of pest controllers comes into play, as they will know what to do to solve the problem but not wipe out a species. Once the infestation has been dealt with there is still a role for the pest controller. They will be able to give advice regarding the best way to prevent the problem starting up again.

This will tend to be related to keeping the place clean and tidy, and not providing anything that the pests could survive on. They will take their services a step further and make routine inspections to see if they can find areas were standards have slipped or pests have breached the practices put in place. From time to time there will need to be the repeat of the actions that have prevented access to the pests. There will be no attempt to condemn a client by the company, but simply an attempt to help solve the problem and make sure it does not return.

Financial Education Services Review

Financial Education Services also known as FES is headquarter in Farmington Hills, MI and has approximately 200 plus employees worldwide. The majority of the services offered by FES are proprietary products developed by FES. There are as well some partnerships most notably, LifeLock the number 1 provider of identity theft protection.

The founders of this company, Mike Toloff and Parimal Naik come from a very successful background relating to the financial services industry and over the last 9 plus years have taken what was once an operation ran from a small back room in a shopping mall to a state of the art facility with representation across the country

Financial Education Services Products

Today’s market place demands products that will not only help consumers reenter the market place but as well help to educate them on important factors related to financial literacy that were never taught during formal educational years.

It is this combination of products, service and education that has helped FES to become a powerhouse in the market place today and what separates them from there competition. When you educate your customer base you have a potential for not only referral business but as well retention of existing clients.

Financial Education Services products consist of Credit Restoration, Positive Credit Building, Pre-Paid MasterCard, Wills and Trusts and the inclusive FES Protection Plan Membership that includes previous mentioned services along with DebtZero (Debt Pay-off System) and My Financial Lockbox.

Financial Education Services Business Model

The business model or distribution of these financial services is delivered through a network of independent distributors or what FES refers to as “Agents”. Agents are compensated for the sale of these products and also have the ability to build teams of agents and receive overrides and bonuses based on their team production.

The business model is a form of MLM or as more commonly referred to as Network Marketing. The unique thing about the FES model as that agent’s can opt to simply sell the products and not participate in the team building aspect of the business although to maximizes the compensation plan you will want to participate in both sales of products as well as team building.

Is Financial Education Services Right for You

Well let’s examine the facts; it is estimated that over 50 million Americans have less than a 599 credit score (Sub-Prime Credit), 90% of the population does not have a will and trust combination, the average consumer household debt is approximately 20K with no plan in place to pay it off and identity theft is the fastest growing crime in America. With that being said, it’s almost a certainty that most people know someone that can use the services that Financial Education Services provides.

The most likely candidates for the FES business opportunity are professionals in the financial services industry such as mortgage brokers and Real Estate professionals. There has also been a recent surge in interest from the insurance industry.

This opportunity just like any other home based business is great for anybody looking to enter the network marketing industry. There are no license requirements for the agents since FES is licensed and bonded in all 50 states including Puerto Rico.

The bottom line is if you’re the type of persons that needs the services offered by FES, will to sharing products that can benefit others or enjoy working from home than the Financial Education Services opportunity could be right for you.

How To Read A Credit Card Merchant Statement – 5 Ways To Categorize Fees

Reading your merchant statement and finding the rates and fees you’re being charged can be like playing “Where’s Waldo?”. One reason is because there are nearly as many different statement formats as there are merchant acquiring companies. Also, because of how competitive the industry has become, many monthly statements don’t completely disclose the rates being charged. And sometimes they are completely hidden.

I know of banks that don’t even send a statement out. If a merchant wants details of what they paid they have to logon to an online account to find it.

It’s War Out There!

One reason for this is the competitiveness. You have to remember that credit and debit cards make up part of a 2 trillion dollar industry. Money is like a magnet – it attracts Most merchants are being contacted continually by competing processors trying to get them to switch processors, by promising “lower rates”, etc.

So, to prevent a sales agent from another processing company from taking a merchant away – some processors make it as hard as possible for a competitor’s sales rep to walk in to a business, analyze a merchant statement, and do an ‘apples for apples’ comparison.

That being said, there are still some basic keys to look for when reading your statement. Here’s what I look for in analyzing a merchant statement, in order:

  • One: The pricing structure – how has the account been set up? Which pricing model does it employ? Is it using tiers (e.g. 3-tier; 4-tier, etc.) or – is it using “Interchange Plus”? (NOTE: most merchants are on a tier pricing model, which, in my opinion guarantees they’re being overcharged. Also, there are other pricing structures but tier pricing is by far the most common)
  • Two: The monthly fees (sometimes called “Other”) – next, I look to see what the monthly fees are. This can include: a statement fee; monthly service fee; account maintenance fee (normally, you’d only see one of these although I’ve seen two – or, you may see the equivalent fee but using a different term); PCI fee; batch fee; and gateway or access fees. Any miscellaneous, but not monthly fees can also show up here – e.g., an annual fee or semi-quarterly.
  • Three: Processing Fees – this is where the discount rates will be listed. If you are on tier pricing the best statements will print an itemized list showing the “qualified”, “mid-qualified”, and “non-qualified” (the 3 tiers) rate. If you are on Interchange Plus, you’ll see a list showing all the different cards you took, followed by the actual interchange rate for the card, the “dpi” (discount per item), plus the processors mark-up expressed as basis points and a transaction fee (or per item, depending on the term used to list it).
  • Four: Authorization Fees – here’s where you’ll find fees that go to VISA and MC. They’ll show up listed as access, authorization, and /or WATTS fees. You could also find here AVS fees (address verification); assessment fees; brand usage fee; risk fee; settlement fees, IAS fee (Issuer Access & Settlement).
  • Five: Third Party Fees – 3rd parties means networks other than VISA & MC that are included in your statement. This would include American Express, Discover, and the debit networks if you are using pin debit

Part of the problem in reading a merchant statement is different processors use different category names and different terms to identify charges. That’s why I began by saying it can be like playing “Where’s Waldo?” While there are common terms used for certain fees there is also a wide variation used, depending on the acquirer (the company you signed a merchant agreement with).

Again, part of this is due to an attempt to hide what’s being charged and make it difficult for a competitor to analyze a statement. While that’s ‘somewhat’ understandable – in my opinion it’s a disservice to the merchant. Integrity demands transparency. Maybe if processors were more merchant oriented they’d have a lower turnover and would not have to worry about competition so much. At least that’s my opinion.