The makings of a great online store are judged by the consumer and created by the site owner or administrator.

This article relates to online fashion stores, but equally applies to an online store of any type wishing to sell products to a customer. There are possibly hundreds of online fashion stores that offer good products and good service, but what sets some stores above the rest?

The makings of a great online store are judged by the consumer and created by the site owner or administrator. The consumer will use certain set criteria when choosing an online fashion store in which to place an order using their hard earned cash. These criteria usually revolve around, but are not exclusive to the following list:

• Accessibility
• Security
• Price
• Service
• Knowledge

I have listed the areas in order of importance; having done this you may ask why accessibility is top of the list. The answer to this question is paramount to all online stores and businesses; if the store cannot be found then it can not be shopped. This stands as the most important factor in setting a great online store apart from an average one regardless of how good the security, price, service or knowledge of that store is.

Each and every online user will know of an online fashion store in which they can usually find the type of product they are looking for. If you cannot get your store alongside that store in the search engine rankings, or in front of the shopper through means of online or offline advertising the hard fact is that they are not going to find your store nor the great products, security, price, service and knowledge that you have to offer.

Secondly comes security; when the customer finds a store they must feel secure in shopping in that store. The greatest fear of e-commerce shoppers is having their financial details stolen or manipulated by hackers and thieves. There are no fool proof methods to ensure that a store is completely safe because hackers are becoming ever more sophisticated in the methods they employ to steel peoples financial information. However always look for reassurance including, certified site stamps from companies such as Go-Daddy and other reputable site security systems.

If a site does not look secure and reputable the shopper will leave. A good tip for shoppers is to check the terms and conditions of any site, they can usually be found in the bottom banner. Also check the ‘contact us’ page if an address, telephone number or further information is available, the store will usually be reputable. If you are on a site that has very little information in the ‘about us’ and ‘contact us’ pages it may well be a good idea to call first and check the company credentials.

Thirdly comes price; if the above two areas are satisfied, the price appears fair, the customer will not usually be overly bothered about price. This may sound odd but rarely are customers thinking about price as the number one indicator in the decision making process of whether they will purchase a product or not. It is always a good idea for online stores to play with their price point. Move the price up and move it down again, measuring the reaction to the price.

Fourthly there is service; an online fashion store that offers good service will always retain customers for further transactions, where as the store that provides flawed service will gain a customer for one sale only and then lose them forever. So in the first instance of gaining a new customer for an online fashion store service comes in fourth, but when it comes to retaining customers it jumps right to number one. Great service will make you a very happy store owner, as your customers will just keep coming back.

Finally knowledge; in online stores knowledge is not always the key to initial sales or retention of customers. Unlike in high street outlets whereby knowledge of a product or the ability of the sales staff to fill the customer with confidence is essential to the success of the customer experience. It is fair to say however that an online fashion store with a greater depth than just products it is wishing to sell will enthuse any customer or potential customer to share the information about a store with their friends through verbal communication and or social networking outlets. Knowledge is also necessary to improve the accessibility of an online fashion store. It is essential that the site be filled with relevant knowledge of the core product subject, in order that search engine algorithms find and index a site in an optimum manner.

This is a guide that I have formulated through years of personal endeavours as an e-commerce customer and an e-commerce online store owner. It will without doubt change from person to person, but the fundamentals of this guide will apply no matter what the situation.

James McAloon is the Co-founder of Excentree Eco Fashion Collections. Excentree Fashion Collections online store combines all elements of what exemplifies organic, environmentally and ethically aware clothing while attaining fresh, sharp and relevant style.

Excentree Fashion Collections offers vibrant, relevant clothing, drawn form a variety of strong and expressive world cultures. Each Excentree garment allows the purchaser to plant one tree in one of seventeen agro-reforestation projects. This guarantees a two ton reduction of any carbon footprint.


Accelerated depreciation provides a larger tax

Accelerated depreciation provides a larger tax
The gradual decline in the financial value of property used to produce income due to its increasing age and eventual obsolescence, which is measured by a formula that takes into account these
factors in addition to the cost of the property and its estimated useful life. Depreciation is a concept used in accounting to measure the decline in an asset’s value spread over the asset’s economic life. Depreciation allows for future investment that is required to replace used-up assets. In addition, the U.S. INTERNAL REVENUE SERVICE allows a reasonable deduction for depreciation as a business expense in determining taxable net income. This deduction is used only for property that generates income. For example, a building used for rent income can be depreciated, but a building used as a residence cannot be depreciated. Depreciation arises from a strong public policy in favor of investment. Income-producing assets such as machines, trucks, tools, and structures have a limited useful life—that is, they wear out and grow obsolete while generating income. In effect, a taxpayer using such assets in business is gradually selling those assets. To encourage continued investment, part of the gross income should be seen as a return on a capital expenditure, and not as profit. Accordingly, tax law has developed to separate the return of capital amounts from net income. Generally, depreciation covers deterioration from use, age, and exposure to the elements. An asset likely to become obsolete, such as a computer system, can also be depreciated. An asset that is damaged or destroyed by fire, accident, or disaster cannot be depreciated. An asset that is used in one year cannot be depreciated; instead, the loss on such an asset may be written off as a business expense. Several methods are used for depreciating income-producing business assets. The most common and simplest is the straight-line method. Straight-line depreciation is figured by first taking the original cost of an asset and subtracting the estimated value of the asset at the end of its useful life, to arrive at the depreciable basis. Then, to determine the annual depreciation for the asset, the depreciable basis is divided by the estimated life span of the asset. For example, if a manufacturing machine costs $1,200 and is expected to be worth $200 at the end of its useful life, its depreciable basis is $1,000. If the useful life span of the machine is 10 years, the depreciation each year is $100 ($1,000 divided by 10 years). Thus, $100 can be deducted from the business’s taxable net income each year for 10 years. Accelerated depreciation provides a larger tax write-off for the early years of an asset. Various methods are used to accelerate depreciation. One method, called declining-balance depreciation, is calculated by deducting a percentage up to two times higher than that recognized by the straight-line method, and applying that percentage to the undepreciated balance at the start of each tax period. For the manufacturing machine example, the business could deduct up to $200 (20 percent of $1,000) in the first year, $160 (20 percent of the balance, $800) the second year, and so on. As soon as the amount of depreciation under the declining-balance method would be less than that under the straight-line method (in our example, $100), the straight-line method is used to finish depreciating the asset. Another method of accelerating depreciation is the sum-of-the-years method. This is calculated by multiplying an asset’s depreciable basis by a particular fraction. The fraction used to determine the deductible amount is figured by adding the number of years of the asset’s useful life. For example, for a 10-year useful life span, one would add 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10, to arrive at 55. This is the denominator of the fraction. The numerator is the actual number of useful years for the machine, 10. The fraction is thus 10/55. This fraction is multiplied by the depreciable basis ($1,000) to arrive at the depreciation deduction for the first year. For the second year, the fraction 9/55 is multiplied against the depreciable basis, and so on until the end of the asset’s useful life. Sum-of-years is a more gradual form of accelerated depreciation than declining-balance depreciation. Depreciation is allowed by the government as a reward to those investing in business. In 1981, the Accelerated Cost Recovery System (ACRS) (I.R.C. § 168) was authorized by Congress for use as a tax accounting method to recover capital costs for most tangible depreciable property. ACRS uses accelerated methods applied over predetermined recovery periods shorter than, and unrelated to, the useful life of assets. ACRS covers depreciation for most depreciable property, and more quickly than prior law permitted. Not all property has a predetermined rate of depreciation under ACRS.


Where to Find the Best Beauty Supply Stores

Where to Find the Best Beauty Supply Stores

There are plenty of beauty supply stores to choose from, both locally and online. However, not all of them were created equal. Some specialize in certain areas (such as hair or nail care) and others may only carry high-end products or just one brand of beauty supplies. When searching for a beauty supply store, it’s important to keep a few things in mind to guarantee that you get the best product at the best price delivered by the best service.

Knowledgeable Employees

In a brick and mortar environment, it’s important for employees to not only know where products are located in their store, but also have an understanding of the products themselves. Most customers expect employees of beauty supply stores to be able to help them with any and all questions that they may have.

In online stores selling beauty products, it’s important that every product contain a detailed description so that you know exactly what you are getting. Online beauty stores have all the information you need about each product. This way, you don’t have to hope that the employee actually knows what they’re talking about.


Having options is vitally important when choosing a beauty supply store. Online beauty stores have wide variety of products that you can choose from which are sure to meet your needs. Every person is built differently which means they have different needs, which is why these online stores do their best to provide you with a number of different options.

Often times, brick and mortar beauty supply stores offer a limited variety of beauty products simply because they are limited on space. This means less color options and less brand choices. But when it comes to our virtual beauty store, there is an unlimited amount of space that we can fill with makeup, hair supplies, nail supplies, and other beauty supplies.

Best Pricing

Brick and mortar stores are limited in other ways that are a disadvantage to you as the customer. One such way is in their pricing. Because they have to pay for their storefront, employees, and other business-related expenses, they have to raise their prices if they want to make a profit. While this is all well and good, if you want to get the best price, you have to take another route.

Without all the additional costs of a brick and mortar store, these online stores can focus on bringing you the best products on the market at the best price. That means you can save both time and money. Time because you don’t have to drive from beauty store to beauty store searching for that perfect product that you’re looking for, and money because we can help get you a better price.

At the end of the day, choosing to go with an online beauty supply store can give customers a huge advantage. They do their best to provide you with an extensive lineup of products at prices that you can’t deny, all from the comfort of your own home.

Finding great beauty supplies online can be hard, but it doesn’t have to be. [] is a great place to find quality cosmetics and handbags for women. Being the website is run by Amazon, you know that you can trust them to get you the products that you want in a timely and convenient manner. website is a great resource if you are looking for those hard to find products or you need to find them at a discount. So, the next time that you are looking for that perfect lip gloss or nail varnish, don’ forget to check


Where Can I Get Health Insurance Help?

Here is some good health insurance help for people who want to apply for a health insurance policy, but do not have any knowledge about health insurance. However, before discussing in detail about health insurance plans, let us observe why health insurance is important.

A need for health insurance plans has arisen due to rising medical costs. It is impossible for individuals to bear all expenses on their own during certain situations when unplanned health expenses creep into their budget. Therefore, it is necessary for people to opt for ideal health insurance plans.

Types Of Health Insurance Plans:

When individuals approach any health agent for health insurance help, insurance agents suggest four types of policies to them. They are as follows:

Major medical plan:

Major medical plans are those plans in which individuals need to pay deductibles to health coverage companies to obtain benefits. Deductibles are nothing but a part of the amount, which people have to pay while applying for a policy. Later, health insurance firms pay about 80% of medical bills and insurers have to pay the remaining 20% of billed amounts.

Buyers may select any doctors to get medical services and pay fees to these doctors directly. However, they need to obtain a bill and furnish it to the insurance companies, who in turn reimburse 80% of the bill amount to the insured. This type of health insurance plan is a traditional health plan.

HMO plan:

An HMO (Health Maintenance Organization) is a type of health policy that focuses mainly on life long health care of the insured. This plan is more affordable than the major medical plan. People need to select their doctors from a list of doctors furnished by insurance companies. These doctors provide medical services to them. If required, they also co-ordinate with other specialists and hospitals, to provide the best available health service.

As a result, most people across the US prefer this type of health plan.

PPO health plan:

PPO (Preferred Provider Organization) is similar to an HMO plan. Health insurers refer in-network doctors and insured people refer their own out-network doctors. Here, people may choose in-network or out-network doctors as per their wish.

However, if people choose out-network doctors they will have to shell out a huge amount as fee because in-network doctors charge a reasonable amount. Whether insured people choose in-network or out-network doctors, health companies pay only 80 % of the medical bill amount to insured people.


Have you considered everything before the creation of an electronic store?

Many people who have access to the Internet are aware that they can earn decent money through the Internet. Perhaps you once had thoughts to start your e-business: choose a domain, find a hosting, download free online store template and start to sell the goods from a nearby store. And start waiting until buyers ring and buy goods.

Have you considered everything before the creation of an electronic store? But don’t you think that you have missed something? You forgot the most important thing – how you will attract potential visitors to the site? How will you promote your online store for free? What are the effective ways of promotion online shop will you use? Adding a site to free directories will give you sales? These and other mistakes, questions and answers will be discussed in this article.

Methods of promotion online store

You need to decide based on your advertising budget which methods of promotion you will use in your online store.

Unique and useful content is what is called “free” promotion of the online store, which is available to everyone. Write quality content for the site, which will bring many links from other websites. After all, only a unique and useful content for people will be appreciated as by a human and a search engine.

  1. Advertising.

To attract many customers from the search engines is very challenging task at first stages of business. That’s why Google Adwords advertising is exactly what we need. Contextual advertising for online store allows you to immediately get your potential customers. The price of one transition to the link depends on the competition and the theme of your internet business, as well as literacy and professionalism of its setting.

  1. SEO promotion.

You need your site to be at the top of search engines for desired keywords and receive daily influx of targeted visitors. For a young site it is very difficult to quickly get into the top. In order to achieve high rankings in Google SERP you need to prepare your site (internal SEO optimization) in order search engines “liked” your site. When all internal SEO work on the site is complete, it is necessary to begin to build links.

In the SEO promotion of your online store you need to put the emphasis on literacy internal optimization and content! Just so you can save a lot of money on the links purchase and get free traffic on long tail words.

Do not forget to add your website to / places. It is truly effective in this business! Google is actively testing the Local Business Center, but even now at the top positions of Google search there are companies from Google Local Business Center.

  1. Price aggregators.

Use special aggregator sites, which compare prices from different online stores. Sometimes they are called price aggregators. Enclose a contract with popular sites aggregators and get the sales. Everything will depend on your products prices. If your prices of the goods are higher than in other shops, it is unlikely that you will have a lot of orders from such sites.

  1. Socialization and viral marketing

Social networking is a great way to understand the consumer, to increase sales of your online store. Advertising in social networks of your online store has long been considered as one of the most effective. Use viral videos or photos to promote your website on social networks. This can increase traffic to your site on a successful viral promotion on social networks and other sites.
Also at this point you may use social bookmarking and micro blogging.

  1. Offline Advertising for Your Online Store

It can be:

• advertising of your online store on billboards;
• distribution of flyers and coupon codes near shopping centers;
• sponsoring of various events and activities;
• Mobile SMS-mailing is a great way to get people to visit your store;
• posting announcements, etc.

  1. TV and radio advertising

If your online store has friendly usability, well-designed website, and the prices on the site are not above the competition, make your site popular! Tap the power of your site advertising on TV and radio. Remember that advertising is the motor trade!

  1. Activity on thematic blogs, websites and forums.

This may be the publication of interesting articles, and just comments and suggestions on the subject sites.

  1. Blog or forum for your online store.

Create a blog for your online store. Publish interesting articles related to your store, photos of satisfied customers and reviews, interesting statistics and information, answer the questions. Be more open to visitors of your site. It would also increase the links for your online store. Of course, on the highly competitive request you will not to be in the TOP only thanks to a blog or a forum, but it has a number of important advantages for you.

9 Special offers, affiliate programs, discounts

Availability of affiliate programs lets interest the other people to recommend your store to friends and family. Sale is a great opportunity to remind your visitors and old customers that your site is still there. Also, this is a great issue for press release distribution, reviews, articles and advertisements with the active link to your website. Do not forget about the services of group shopping!

  1. Google Analytics

Continuously analyze the effectiveness of your site traffic with Google Analytics. Set up E-commerce and objectives for your store or site, and analyze the quality and efficiency of traffic! You need to know how much one target visitor costs and how much profit it brings to you. Continuously analyze the effectiveness of traffic from different sources!
All these methods of online store promotion are effective, but only with a competent and professional approach!

If you run Magento Platform for your online store, and have large product database you may notice that saving products in Magento is very slow []. This problems is solved by MPro [] Programmers by implementing Magento Extension Catalog Database Accelerator. Visit us and speed up your Magento Backend!


Services like Stripe, PayPal, and Square have worked very well for us

The payment industry is undergoing a huge transformation, with several new technologies promising better efficiency: blockchain, mobile wallets, contactless chip credit cards, and electronic payment platforms. But even as they pay out, not all of fintech is paying off.
The overarching goal in business today is twofold: act in real time and increase efficiencies to a point of zero cost to execute. This effort applies to every process, from the basic to the most esoteric. Payment processing is an important example—especially wherever payment processing fees are high and margins are slim.

“High-volume retail and grocery have very thin margins. For example, a large grocer may have 1.5 percent margins and also pay 1.5 percent interchange fees,” says John Pistone, executive director of strategy and business development at Toshiba Global Commerce Solutions. “If they can convert 10 percent of their credit card users to a wallet, they can save millions of dollars per year and double their margins for those customers.”

But not all newer financial technologies, also known as fintech, are paying off, even as they pay out as expected.

“Services like Stripe, PayPal, and Square have worked very well for us. They are all easy to integrate and to use to receive payments,” says Sean Pour, co-founder of SellMax, a cash for cars service.

However, the drawbacks are reminiscent of those from older financial services, beginning with high fees. “[The services] do charge transaction fees that can add up,” Pour explains. “Typically, it’s 2.9 percent plus 30 cents per transaction. The other drawback is that they typically hold your money for two days, and with Stripe, it can take up to a week to receive payment. However, these services allow you to accept payments very quickly and hit the ground running.”

Financial services transformations
The vast array of current and emerging fintech is transforming the payment industry and making room for disruptors.

“Fintech enables smaller players to compete against the large banks and financial institutions. This means the focus of financial technology services has shifted from being the biggest to being the fastest and most effective,” says Jared Weitz, CEO of United Capital Source, an online lender for small and medium businesses.

This shift is spurring changes in even the largest financial institutions.

“At a minimum, [fintech] will prompt financial institutions to re-engineer their systems and value propositions,” says Vikram Gollakota, vice president of strategic partnerships at HighRadius, a cloud-based fintech provider. Those traditional financial service organizations could stand some updating, he says, because payment transactions often take several days to process, clear, and settle. “New payment technologies strive for real-time transactions,” adds Gollakota. “Real-time payments are very real, with 39 countries already having implemented immediate payments.”

Financial service companies are also changing their menu of services and the types of clientele they serve. “Fintechs such as Revolut, Monzo, Monese, Atom bank, and others board literally millions of people without a credit history and with that level of risk for which banks are not ready,” explains Akim Arhipov, CEO of BASIS ID, a provider of authentication and verification of end-user services and data privacy compliance services.

Because fintech services are changing, it’s an opportunity for brand differentiation. In particular, payment services are a vital part of the burgeoning customer experience movement.

Are you looking for help with your AI deep learning journey? We have a Dummies Guide for that.

Starbucks is a prime example of payment services as product features. The coffee shop chain weaves payments into its famous customer service protocols. According to Pistone, “Starbucks has more mobile payment users than Apple (23.4 million), and 39 percent of U.S. sales are from the loyalty program.”

Starbucks mobile app features permit users to order ahead, earn loyalty points, apply points, and pay for the order. “Starbucks mixes the mobile and in-store experience into what it calls the digital flywheel, which encompasses taking insights from purchase data to provide personalized offers and communications to shoppers,” Pistone explains. “When offers resonate, they turn into sales. Consumers pay with the least amount of friction, purchases are fed into loyalty reward programs that keep the customer interested and coming back, and the cycle continues.”

The fintech lineup
A lot of technologies are involved in payment systems. Different types of fintech are used for different purposes, and therefore, the top technology for one purpose may rank poorly for another. Nevertheless, and generally speaking, here are how common fintech options size up.

Mobile wallets are all about convenience on the customer side of transactions. Mobile wallets are frictionless and often contain extra features, such as budget tools.

But it isn’t only the consumer who benefits. Businesses are finding mobile wallets to be relatively cheap to implement and easy to deploy.

“Businesses profit from mobile payments as well,” says Anastasia Yaskevich, an enterprise mobility researcher at ScienceSoft, a professional software development company. Because the mobile payments are fast and simple, “they reduce queues and create a shorter customer journey from the purchasing intent to approving a transaction.”

Yaskevich adds, “Bigger brands develop their own apps that bring together payments and loyalty programs, while other companies welcome the use of existing mobile wallets, such as Apple Pay or Google Pay. All a retailer needs is a point-of-sale terminal with an NFC or QR scanner. Small businesses can even go for portable NFC readers that sales assistants can easily attach to a smartphone.”

Peer-to-peer (P2P) wallets are swiftly gaining in popularity. “Zelle, a P2P wallet that is rivaling PayPal-owned mobile payment service Venmo, is actually a network of 229 banks led by Wells Fargo and Bank of America. They had 433 million transactions totaling $119 billion in payments in 2018,” says Pistone. “The pros for P2P? It cuts out the middleman regarding fees, eliminates the need for cash or credit cards, and from Zelle and Venmo’s perspective, it is a significant data collection tool for consumer insights.”

Cryptocurrency offers a lot of promise, but few consumers and businesses are ready to pay or accept payment in bitcoin or other cryptocurrencies. Further complicating the scenario is that there isn’t one blockchain flavor. Of the choices, some are more useful than others.

At some point, there will be a blockchain shakeout, leaving the best standing. Even so, there are other important points to consider.

“The main benefit we see with blockchain is instant payments for individuals. Typically, most payment processors will hold your money for a few days, but if you use bitcoin, you’ll get the money instantly, which can help with cash flow. In addition, with cryptocurrency, you forego a lot of the unnecessary bank fees, but you do lose the security of a federally backed currency,” says Pour.

But financial institutions see the potential benefits. “JPMorgan Chase is using blockchain to improve payment at point of settlement. They created a network of 75 banks, called Interbank Information Network,” says Pistone. He says it seeks to create an ecosystem that would allow fintech start-ups to develop products for their ecosystem—allowing JPMorgan Chase to partner and leverage relationships with startups rather than compete with them as disruptors.

Mobile and blockchain combinations are cropping up everywhere, most notably on social media networks and messaging apps. For example, Alipay and WeChat Pay use messaging apps to move money.

“Facebook is now looking to enter this space,” says Pistone, using the WhatsApp messaging app. Facebook sees an advantage in India in particular, where WhatsApp has 300 million users.

“Facebook is combining its messaging capability with a ‘stable coin,’ a cryptocurrency that is tethered to a fiat currency like the U.S. dollar. They see this as a way to make retail payments, but it also can be used for remittance. According to a Barclays analyst, combining this payment system with the new Instagram ‘shoppable tags’ means Facebook has an additional $19 billion revenue stream,” Pistone adds.

Pay-at-the-table fintech is currently favored by restaurants. The technology uses tabletop tablets so customers can pay for their order without a waiter wandering off with their credit cards. Think of it as self-service paying.

“Many restaurants around the U.S. have recently adopted pay-at-the-table technology in an attempt to bring greater operational efficiency, enhanced security, and faster table turns,” explains Erik Ploof, vice president of business development for TableSafe, a pay-at-the-table solutions provider for the hospitality industry. “Some restaurant operators have bundled the concept of table-side ordering and payments in a single solution that resides at the table or through the use of a tablet that the server manages.”

However, many other operators—particularly the full-service operators that are focused on superior service—see value in separating the payment process from the ordering, Ploof adds.

Such fintech is also under consideration by other businesses, such as bowling allies, exercise gyms, and hair salons. It benefits industries looking to do away with centralized payment queues and provider station bottlenecks—for example, hairdressers processing payments with Square on their phones.

Accounts payable automation covers the gamut from paying gig workers to vendors in the supply chain. “The added efficiencies that come with enterprise payment tools like accounts payable automation are required to meet today’s growing ‘instant gratification’ demand, especially for manufacturers and distributors,” says Tom Kieley, CEO of SourceDay, a procure-to-pay and supply chain collaboration software-as-a-service provider.

“Amazon, Walmart, and now Target are pushing one-day and same-day shipping, all but ensuring this will become the new norm. The only way merchants are going to be able to keep up and compete is if they find ways to make every link in their supply chain faster—and automating and digitizing payment is a big piece of the puzzle,” Kieley adds.

Personalized fintech is designed to resolve specific payment issues and meet personal needs. “What makes a person choose a metal prepaid card to take and put their money there? By issuing these cards, fintechs give a sense of importance, success, revolutionism to their customers,” explains Arhipov. “Or another example is Zestful, a debit card for your employees. They get a budget for an employee perk program with the opportunity to spend on training or fitness. No more reimbursement process for accountants. Warms the soul, right?”

Point-of-sale (POS) loans are the new layaway plans. They are most popular among millennials, who spurn debt and tend to avoid credit card use.

The consumer advantages for POS loans start with being interest free. “Lending companies charge a fee to the retailer on the transaction, similar to a credit card company,” explains Pistone. “POS loans are usually broken up into chunk payments, such as four monthly payments of X dollars. But you can take the purchased item home with you today. In years past, you would buy a refrigerator [on layaway] and only after making the final payment could you take it home with you. Approvals are done instantly.”

Total value is the bottom line in successful fintech. “It’s not really about technologies; it’s about personalization of experience, people behavior, and brand,” says Arhipov. “Fintechs have to establish a strong brand, whether personal or corporate, and it is all about value rather than volume.”

Payment systems: Lessons for leaders
Offer customers many payment options. Making it easier for customers to pay adds to the customer experience and encourages repeat sales.
Consider offering additional rewards and discounts to lower financial service fees. Offer customers a discount or additional rewards for using those payment options.
Use new fintech to negotiate better terms with traditional banks. Consider renegotiating bank fees, terms, and services—such as real-time deposit and payment crediting—with your traditional banks to lower costs and improve cash flow.
Customize brand payment options and tie to loyalty programs. Consider developing your own apps to combine payment options and loyalty programs, as Starbucks does.


The cannabidiol (CBD) craze is in full swing

The cannabidiol (CBD) craze is in full swing
A look at endocannabinoid support and the tricky therapeutic and regulatory landscape of using CBD for pets.
The cannabidiol (CBD) craze is in full swing all over North America. Recently, it was announced that even gas stations will be selling it, not to mention supermarkets, coffee
shops and health food stores. Big money is being invested in cannabis worldwide, and as with any trade bubble, there are plenty of players trying to get in, get rich, and get out before the bubble bursts — unfortunately, this “get rich quick” scheme has produced a plethora of unreliable products. Even companies specializing in human CBD products are jumping on the bandwagon and offering pet lines as an “extra” — despite lacking knowledge of veterinary applications, dosing or protocols.

But let’s not throw out the baby with the bathwater! This mania would not exist if utilizing CBD didn’t result in remarkable benefits. While most people are familiar with the marijuana plant’s “high” effects, mediated by tetrahydrocannabinol (THC), Cannabis sativa contains
hundreds of compounds, most of which, like CBD, are not psychoactive, and have untapped therapeutic potential. The native cannabis plant has abundant CBD and a small amount of THC; however, high THC strains have been bred for recreational use.

Is CBD legal, and what about my DEA license?
Unfortunately, this is highly variable state by state. To make things even more confusing, while federal law has declared industrial hemp (less than 0.3% CBD) to be lawful, cannabis has not yet been removed from the list of Schedule One drugs, leaving a lot of room for interpretation.

In some states, like California, even though both medical and recreational marijuana products are legal, veterinarians are not allowed to discuss the medical use of cannabinoids with clients. However, all these laws are rapidly changing and adapting to the hemp industry’s exponential growth over the past 18 months. If you don’t like the regulations in your state, wait ten minutes!

Unfortunately, the legal gray area is preventing vets from giving their clients the expertise they need, which leads animal owners to rely on Dr. Google.

How do phytocannabinoids work?
The endocannabinoid system (ECS) helps the nervous system and immune system communicate. The ECS is suspected to be involved in neuroprotection, immunomodulation, the fighting of cancer, pain reduction, metabolic balance and gastrointestinal motility, with effects in and around the synaptic space.1 Phytocannabinoids (cannabinoids derived from hemp and other cannabis species) can act as partial agonists of the ECS, providing pain relief through coactivation with endogenous opioid receptors. They can also reduce excessive inflammatory responses involved in chronic diseases and aging. THC primarily interacts with the CB1 receptors on nerve endings, which function to regulate neurotransmitter turnover. CBD, on the other hand, has indirect effects throughout the body via CB2 receptors, which have widespread distribution in immune cells, muscles, joints, and organs.

Can my dog or cat get high from CBD?
CBD is not a psychoactive drug. However, in a quirk of physiology, dogs have an unusually high number of CB1 receptors in their cerebellum, making them highly susceptible to THC effects — a big health risk for dogs that accidentally ingest their human’s medical or recreational marijuana “edibles” or bud. While THC is not toxic to dogs, subsequent severe ataxia and dissociation make them susceptible to secondary dangers, such as falling or aspiration pneumonia.

Pharmacokinetics of cannabinoids
Preliminary data in dogs indicates that optimal therapeutic levels are most rapidly reached through trans-mucosal 2 dosing, which avoids interaction with the liver CYP450 detoxification system. However, cannabinoids may compete for CYP450 binding sites, possibly altering or affecting drug clearance time for other medications. This list3 of affected drugs includes, but is not limited to, certain anti-seizure medications and several classes of antibiotics and cytotoxic chemotherapy drugs, so it is critically important for people to seek the advice of their human or pet health professional before using these substances on themselves or their animals. Anecdotally, dosing with cannabinoids has not been found to alter phenobarbital serum levels (G. Richter, DVM, personal communication).

Purified cannabinoids have a bell-shaped dose-efficacy curve; clinical effects increase then fall off with doses exceeding the peak efficacy for that individual. For this reason, some trial and adaptation is advisable when adding CBD to a treatment plan, because dosage may increase or decrease. Occasionally, pets receiving micro-doses of CBD for anxiety may become disinhibited — forgetting about their house-training or failing to control their aggressive instincts. This usually resolves with a further reduction of the dose. Best results are achieved when checking the dosage after three to five days for effects. Desired CBD effects, whether for pain mitigation or soothing the nervous system, should be visible within a day or two, unlike many therapeutic regimens which take weeks to load.

Indications for use of exogenous cannabinoids in animals
There are many useful applications for CBD, the non-psychoactive cannabinoid. (THC is mainly used, where legal, for cancer and end-of-life care. CBD is used for reducing anxiety and phobias, treating arthritis pain and inflammation 4 as well as neurogenic pain, mitigating idiopathic and non-drug-responsive seizure activity,5 and regulating diabetes.6 While cannabinoid research is in its infancy in the US, researchers worldwide have speculated that some neurodegenerative conditions, such as Parkinson’s disease in humans and degenerative myelopathy7 in dogs, may have their etiology in dysregulated function of the endocannabinoid system (ECS). For clinicians who have incorporated CBD into their treatment plans, it is proving to be a useful adjunct in managing many common pet ailments, especially in geriatric pets (see CBD case studies at

Though each individual animal’s response may vary, four levels of CBD dosing are generally used in pets:

Dose (per kg body weight) indications

Micro (0.1 mg/kg) — anxiety, fear, stress, behavioral issues, mild pain, muscle tension
Medium (0.2-0.5 mg/kg) — osteoarthritis, moderate pain, muscle spasms
High (0.5-1.0 mg/kg) — moderate to severe pain, neurogenic pain, degenerative myelopathy, tremors, idiopathic epilepsy, diabetes regulation, IBD
Ultra (1.0-5.0 mg/kg) — refractory epilepsy, anti-neoplastic, refractory pain, hospice care
In a recent study at Colorado State University College of Veterinary Medicine,8 high dose CBD treatment was associated with mild transitory diarrhea upon initiation of treatment. After long-term high-dose usage, one third of dogs showed elevated alkaline phosphatase. However, this study lacked a control group to compare environmental and stress effects with the CBD-associated effects. It is also essential to note that these results were found at doses of 10 mg/kg to 20 mg/kg, compared with the dose range of 0.1 mg/kg to 1 mg/kg, administered trans-mucosally, recommended by veterinarians with extensive experience in CBD’s clinical applications in pets. (R. Silver, Cornell NYSVMS seminar, 2018; G. Richter, CIVT webinar, 2019).

A study conducted at Cornell University 4 showed similar elevations of alkaline phosphatase, but also involved dosing at 2 mg/kg to 8 mg/kg orally, rather than the lower doses using trans-mucosal delivery. Neither study showed evidence of hepatocellular damage, so it is difficult to interpret the meaning of the changes mentioned above. It is likely that lower dosing though an appropriate delivery method would prevent them. Preliminary research trials in horses suggest that pain and anxiety reduction can be achieved with as little as 20 mg to 25 mg CBD oil administered trans-mucosally, once or twice a day


Why Online Betting Beats Going Down to the Betting Shop

Why Online Betting Beats Going Down to the Betting Shop

Most people assumed that the internet would revolutionise the way we bet, just like the way it has revolutionized many other things in life. However, recent prevalence studies have proved that the number of people betting online is still not as popular as other forms of betting such as phone betting, going down the bookmaker and being at the track. So for those who haven’t quite worked out the benefits of wagering online instead of these alternatives, here 10 good reasons why you should be:

1) Free bets: Due to the amount of competition online, betting companies like to encourage you to join their service in the hope you form some sort of brand loyalty. To entice you they will regularly offer a free bet. This is normally in the form of a matched bet (You put in a certain amount and they will match that amount.) and will allow you to double your money, if not more. Around big betting events like the World Series and the Kentucky Derby these free bets usually quadruple, making them a very attractive incentive. When was the last time you walked into the betting shop and the lady behind the counter said; “Here, have $10 on us”. Most likely never!

2) Compare odds: There are many websites online that allow you compare odds on all sorts of bets from all manor of betting events. You will be amazed at how much odds can very from one bookmaker to another, and by using online odds comparison tools you can seek out the best odds. This kind of information is only available online, but is free to use. If you are sat in the bookmakers all day you will only get the odds available from that specific shop, which may be much shorter than they are elsewhere.

3) Special offers: Something that seems to becoming more and more popular online is special offers such as “money back specials”. This is something an online betting site will offer in advance of a sporting event to gain interest from bettors. This could be something like, if your horse falls or if your team loses on penalties you will get your stake back. This is something you will rarely see offered in a bookmaker on the high street or over a telephone bet.

4) Other betting options: If you know anything about betting then you will have heard of betting exchanges and spread betting companies. These new betting sectors have largely formed due to the popularity of the internet, allowing all sorts of betting variables, with the final result being just one of them. Although these fairly recent betting options have caused controversy in the industry and in certain sports, there is no denying that they are extremely popular and are here to stay.

5) Increased markets: Most bookies tend to offer the popular betting markets, such as horse racing, football, basketball, baseball. With online betting there are a huge selection of bets to choose from including foreign sports betting, political betting, novelty betting and much more. For example some betting websites will allow you to bet on something like the 2nd division of the German Handball league or Gaelic football matches in Ireland. To be able to bet on sports and events that don’t even occur in this country was unheard of until the internet made it possible. This can be hugely beneficial to bettors who follow all sorts of obscure leagues, sports or events.

6) Access to information: It doesn’t take a genius to work out that you can obtain all sorts of facts, figures, statistics, historical data from the internet. This can be accessed very quickly at little or no cost. It doesn’t matter how good the form guide writer is in your favorite paper, its never going to compete with the amount of data that is available online. There are all manor of forums, blogs and reports that can be easily accessed to assist you with your betting options.

7) Comfort: Why would you drag yourself all the way down to the bookmakers(that might be miles away), when you can relax in the comfort of your own home and make your bets. Bookmakers tend to be dreary places with Formica chairs, lackluster decor and normally a bunch of sorry faces all around. It makes much more sense to put the kettle on, open up your browser and check out the bets of the day.

8) Speed: Provided you have a reliable broadband connection, online betting is instant. No standing in line or possibly missing the start of the race or game. You merely need to locate your bet, select your options and place your stake. This can all be done in the time it takes your to write down your selection on your betting slip. Some may feel that phone betting is just as quick, but you normally have to wait 5 to 20 seconds to connect to a representative. Why wait, when you don’t have to?

9) Access from anywhere: Provided it is legal to bet in the jurisdiction you are in, then there is no reason why you can’t place a bet from anywhere in the world, provided you have a connection to the internet. You can transfer money, place bets, check your account wherever you are and whatever time, day or night. Most high street bookmakers close, early evening, with the odd few staying open late. The same goes for several telephone betting services, and just imagine the bill from your hotel when you have called in half a dozen bets.

10) In-race betting: there is new technology starting to become more and more available online that allows you to bet in running or throughout a game. This is highly sophisticated stuff that is changing the way we can bet quite dramatically. There is no way in the world that this could be made possible in betting shops or even on the telephone.

For some; going down the bookmakers is so habitual it is impossible to change, but for others it should now be clear that the advantages are clear. Increase your chances of winning more bets, play online!


Action games can take the player into surrealism and fantasy

New PC and video games are not only capable of providing fun and excitement for everyone, but they can also give certain benefits and advantages.

With the help of advanced technology and popularity, the gaming industry has advanced and expanded rapidly over the years.

If we are looking for categorization of videos games, they are broadly divided into eight major categories:


These are fast paced and may contain a large amount of violence due to this. Action games are usually inappropriate for children. Such games fall under the category “M” (mature-rated). Examples are Halo, Star Wars, Jedi Knight and Enter the Matrix.

Adventure and Role Playing

These are normally not as graphic as action games and can take the player into surrealism and fantasy. Though adventure and role-playing games often contain violence, it is not found to be as intense as the violence in action games. Examples of this category are Borderlands 2, Final Fantasy, Legend of Mana and Billy Hatcher.

First Person Shooters

As the name implies, it is a game in which the player sees the action through the eyes of the character he is representing and involves the use of pistols or rifles to kill the enemy. Due to the violence involved in this genre of games, they are not suitable for young children. Examples of these games are “Half-Life, “Half-Life 2”, “Call of Duty: Modern Warfare” and so on.

Construction and Management Simulation (CMS)

As the name suggests, in the games belonging to this genre, the players are expected to build, expand and manage imaginary projects and communities with very little resources. Examples of this genre include, “SimCity” and “Harvest Moon”.


Here the accent is on strategy rather than on violence and these games are slower which gives the player time for strategic thinking, resource management and planning to achieve victory. Most are warfare based and so violence is not completely absent. These games are not suitable for children. Some examples are Advanced Wars I & II, Civilization V and Crusader Kings II.


These are video or computer games that simulate real world situations under game settings. In this category, the three well-known games are Racing Simulators, Flight Simulators and Sims. There are lots of games in this class to entertain children. Some examples of simulation games are: Football Manager, Farming Simulator 2013, The Sims and Evil Genius.


The Platform Game or Platformer is consists of jumping between suspended platforms of varying heights or obstacles and sometimes both to move forward in the game. Some examples of Platformer are 40 Winks, Abuse, Action 52 and Adventure Island.


Puzzle video games are a class of games that require puzzle solving. The kinds of puzzles that need to be solved can involve many problem solving skills such as using logic, word completion sequence solving, strategy and pattern recognition. Some examples of Puzzle Video Games are Mario, Bejeweled 3, Cradle of Rome 2 and Hidden Objects.

While on the subject, let’s not forget Sports games such as NHL 13, and FIFA Soccer 13 and Arcade games such Chicken Shoot 1, Toy Story Mania and Angry Birds to name a few.

Nowadays, video games are enjoyed by a wide cross-section of our society, from toddlers to grandparents and these have been accepted by everyone as a good manner of entertainment and seen to be better than watching TV as it requires the viewer’s participation and interaction.

The general feeling is that video games do not provide any benefits to the player and especially so in the case of children.

Contrary to this belief, there are many benefits in allowing children to play certain types of games. Most important of these benefits is the development of:

· Cognitive thinking skills

· Fine motor skills

· Real-time decision-making abilities

· Hand-eye coordination

· Cooperative playing skills

Keeping video games out of the reach of children can only deprive them of these benefits.

A child’s imagination can be stimulated through role-playing and adventure games. Even if some of these games can seem tasteless due to its graphic nature and violence, they can play a positive and important role in a child’s development by promoting teamwork, building confidence and improving motor skills. Playing such video games will only provide a child with a healthy means of expression.

Certain video games are believed to teach children high level thinking skills which they would benefit from in the future.

Now that we have looked at the benefits for children, let’s look at what benefits video games hold for the rest of us.

Research into the pros and cons of video games are being conducted by various bodies including universities in some parts of the world and the result is that the pros outweigh the cons in respect of benefits.

When playing video games, you would need to react quickly and take split second decisions in order to succeed in the given task. It is believed that this kind of practice would provide benefits in real life where you would be able react with speed and take quick decisions.

Brain scientists have discovered that a certain driving video game, created by a research and development team at the University of California in San Francisco could improve the short-term memory and long-term focus of older adults.

It was found that immersion in a game distracts the mind from pain and discomfort. Due to this reason, some hospitals have started to suggest that children and others undergoing painful treatments play games to reduce their distress and anxiety.

Some video games have provided improvement in “Cognitive Flexibility”, which is the ability to switch quickly from one task to another.

Researchers from North Carolina State University found a link between playing video games and mental well-being among the elderly. They found that those citizens who played video games, even occasionally, experienced a state of well- being and happiness.

Gaming can also improve family relationships, as some of these games can and should be played together.

According to some studies conducted at the University of Rochester, people playing certain titles of video games have shown improvements in tests in the following areas:

• Multitasking

• Attention

• Accuracy

• Vision

The only thing a video game player or his or her family needs to ensure is that it does not become addictive in any way. A video game player shouldn’t end up spending hours on end playing games and losing track of time and place and while neglecting duties, personal chores and responsibilities.

Another thing that the parents of minors need to ensure is that their kids get access only to educational or similar games which are suitable for their age group and the good news is that there’s a huge selection of games available that are appropriate for all ages.

A video game content rating is a system is available in many countries and they are used to classify video games into suitability-related age groups with respect to its contents which, if followed, will help to limit the negative aspects of some of the games.

Finally, if video game players are able to play in moderation, and stick only to the categories of games suitable for their respective ages, they can derive a number of benefits as cited above.

These are some of the benefits of playing video games. If you want to have a more enjoyable playing experience, there are different websites that you can visit. One such website is, [] where you can find a wide variety of choices which include the latest video games, consoles and accessories offered in the gaming world today. Feel free to visit the website to know more.


What Should I Do to Be Good in The Business Letter?

What Should I Do to Be Good in The Business Letter?
Lettering to business readers is normally actually unlike writing in the philosophy, social arts, or other scholastic systems. Business writing attempts to be brief and concise instead
of suggestive or imaginative; it emphasizes precision and correctness. This difference does not make business lettering better or lower to other techniques. Instead, it reveals the sole objective and concerns associated when lettering in a business context.

When you write a company report, you must consider that your readers have restricted time to see it and is expected to examine it. Your recipients have attention in what you state since it influences their operation. They need to understand the “essence”: the case you are executing about a circumstance or difficulty and the way they should react.

Formal letter formats differ from the informal manner usually seen in email communications to the extra orderly, juridical characteristic observed in contracts. The attributes of these two limits are suitable for most memorandums, emails, and messages. Drafting that is too symmetrical can turn off recipients, and an effort to be excessively informal may find as dishonest or improper. In business correspondence, as in all reporting, you need to understand your readers.

A writer should constantly control the feature of the business letter. It is simple for an individual or an association to impress the others. The features of a business letter can be grouped as

• Internal Feature

• External Feature

Let us review each of them thoroughly.

I. Internal Feature

It suggests the feature of grammar applied and the demonstration of business correspondence.

  1. Transparent

The terminology written in the business letter must be transparent. It assists the recipient to comprehend the content instantly, easily, and unquestionably. Any uncertainty will induce a misunderstanding of the information stated.

  1. Plain

A writer must use plain and straightforward vocabulary in the business letter. One must avoid extravagant and complicated words.

  1. Brief

The content addressed in the letter must be brief and straightforward. Please take note that “brief” does not have to be “blunt”-you ought to study your expression and the readers for whom you are addressing.

  1. Concrete

The content of the letter must be concrete and precise. By applying concrete writing, a reader will have an unambiguous idea of the message. Nevertheless, your message should not appear like an extended list of quick, disjointed sentences.

  1. Precision

One must constantly monitor the precision of the business letter. Precision commonly signifies no mistake in grammar, terminology, punctuations, etc. The right organization should be aimed for discussion.

  1. Rational

The vocabulary and wording used in the business letter must be rational. The communication must be in a rational form for genuine comprehension of the content. The draft of the communication must be uniform.

  1. Comprehensive

One must compose a comprehensive letter. It assists the recipient to understand the subject and the resolution. It should give all the required data. One must also remember that the letter should be brief and plain and must include the entire aspects.

  1. Pertinence

The message should only carry significant information. Business correspondence should not include unnecessary details.

  1. Affable

The expression used in business correspondence must be affable. A writer must continually use a clear, respectful, and reliable language in his message. It does not imply that one must use slang and offensive terms. One must use the terms such as please, thank you, etc.

  1. Tidiness

A business letter must be deftly typewritten or written. The writer should use appropriate indention, spacing, and paragraphs.

  1. Pronouns

Personal pronouns (like I, we, and you) are essential in letters and memoranda. In such reports, it is ideal to address yourself as I and to the recipient as you.

  1. Passive vs Active Tone

The most skilled authors attempt to produce a form that is so plain so that no readers should misunderstand their messages. One approach to accomplish a plain style is to reduce your usage of the passive tone.

II. External Feature

The external feature of a business letter indicates the character of its external form. The external appearance of the letter must be appealing and convincing. Some of the extrinsic characteristics are

  1. Dimension of the Paper

The conventional dimension of the paper should be used. An A4 paper is a commonly accepted paper for composing business correspondence.

  1. Grade of the Paper

The grade of the paper used must be suitable. A company cannot always use expensive paper. One must use quality paper for the primary copy and average copy for the carbon copy.

  1. The Color of the Paper

Sometimes it is particularly beneficial to use the various colors of paper for different kinds of letters. The reader can comprehend the purpose and the meaning of the letters by its color.

  1. Method of Folding

One needs to fold the letter correctly and consistently. The method of folding should ensure the letter fit the envelope. One must not overfold the letter. It will create a negative perception of the recipient’s opinion.

  1. Quality of Envelope

One should always use a good quality envelope and ensure the size of the letter should fit the envelope.