This is a very valuable website for performing a reverse cellphone or phone look up or search.

This can be helpful when you have somebody calling your phone and harassing you from an unknown phone number.  Or if you simply see a number you don’t recognize on your caller id.

Find out the owner of any cell phone or unlisted number. Results include name, address, and other available information. Your search is 100% confidential.

Visit Best-ReverseCellPhoneLookup.com today.

You can do a one-time search for under $20 or you can get unlimited searches for a year for less then $40!  So what are you waiting for?  Track down that unknown phone number today.

Hello everyone - I just wanted to make a quick post regarding a super website that I just launched for anyone who is looking to find relatives, family of friends.

This is one of the few truly Free people searches on the internet. If you are building a family tree this website PeopleFinder-FreeSearch.com can be very helpful.

Locate anyone fast, do a background check or look up by SSN (social security number) or by phone number.

Find old or lost friends now visit: PeopleFinder-FreeSearch.com

Preventing identity theft is not a difficult task, as you simply have to put common sense into practice. Whenever you are through with any mail, prescription bottles or any other trash that contains your personal information you should shred what you can and black out info on pieces that cannot be shredded. This keeps those thieves who dig in trash searching for info to be left dirty and empty handed.

You also have to protect your information online. If you are interested in any information online that requires you to provide personal information, never provide your bank account or social security number. There are scam artists who will take your personal information and sell it to those who will use it to make purchases in your name running your credit.

You should also be wary when you use your credit cards or checks when shopping protect the visibility of these numbers as there are scam artists who will photograph your banking information for fraud use.

By following simple guidelines such as these you can ensure your personal information is safe from the eyes and hands of those who are up to no good. You should also be aware of your credit reports and what is on them as you can view for any criminal occurrences and report them if necessary.

Far too many times we believe that this can’t happen to us but if you look you will find that your neighbor or even your sibling has had a level of this happen to you.

If you are looking for further information about identity theft, you can find an abundance of information online. By taking the time to provide yourself with knowledge of identity theft than you know how to protect yourself. Prevention is key to not becoming a victim of identity theft.

Many times people that are ready to declare bankruptcy cannot afford a lawyer so they neglect to seek the help of an attorney. Believe me when I say that attorneys that deal in bankruptcy know that money is tight. That is the whole point of looking for bankruptcy help, you are having the most serious of money problems and you are looking for bankruptcy help as a potential way out. Do not discount talking to an attorney at any point. An attorney is invaluable in getting bankruptcy help and while you can theoretically file for bankruptcy yourself the savings in using a lawyer more than make up for the cost. With all of the paperwork and other information you are required to file it is difficult to imagine someone without legal experience being able to successfully navigate their own bankruptcy. Lawyers know money is tight so go ahead and talk to a lawyer for bankruptcy help because you may be surprised at how reasonable the cost is and also how much money they can save you in the process itself and by knowing how to deal with bankruptcy. You do not need to give up your whole life in a bankruptcy and a lawyer will be the bankruptcy help to make sure you don’t give everything up.

The federal government, and your state government, can also offer you bankruptcy help in the form of informational websites and pamphlets that can tell you what you can expect and also help you to get the important information ready. Don’t hide from the government during a bankruptcy because you will have to face them eventually. You might as well seek out their advice as you go through the process so that you know what to expect from them later on. It always helps to deal with issues that you can see coming.

Just A Little From Family And Friends

If you know someone that has been through a bankruptcy then ask them how to deal with it and what advice they have to offer. I am in now way saying you should seek legal help from your friends nor should you only talk to your friends and family about this. I am saying that personal experience is the best teacher and if you can learn anything from someone that has already been through the process then you should take that opportunity.

There are plenty of resources where you can find bankruptcy help and you should use all of them. Don’t be afraid to ask questions and learn as much as you can so you know what you are getting into.

Most people that file for bankruptcy have never had to file before and when the court proceedings are all done, and the papers are all signed, the reality begins to set in. The house is taken away, the new car is gone, and some of the new property you had accumulated is gone. The lawyers like to refer to a bankruptcy as a second chance at life but obviously they never had to go through the after effects and figure out how to pick up the pieces after bankruptcy. While it certainly is not the bright and fresh start to a new life that he lawyers make it out to be life after bankruptcy is not all doom and gloom. You are given a chance to put the pieces back together the right way and one can only hope that the proper lessons were learned.

Get Back To Work

Sometimes the effect after bankruptcy is that you lose your job. This is not always the case but as your credit rating plummets your employer can release you from your job based on your credit rating. You cannot be let go because of a bankruptcy but it is a little difficult to have a bankruptcy be the only bad thing on your credit report. So after bankruptcy go get a job. Talk to employers and explain your situation and be honest with them. Honesty is all you have and a bankruptcy does not mean that you are necessarily an unreliable person. Just keep trying and eventually you will find someone that will listen.

The Roof Over Your Head

Probably the biggest shock to deal with after bankruptcy is losing your house. The home you put together with your own memories is gone. This is one of those situations where what’s done is done and you need to move on. The toughest thing after bankruptcy is trying to find a place to live that won’t judge you by your recent bankruptcy but be patient. Look at a lot of places and fill out a lot of applications. Be honest with the landlord and just explain your situation. Just like your job search honesty is all you have to offer people to offset a bankruptcy on your credit. So just be honest and hope for the best.

Chin Up

While all bankruptcies are not the result of bad money management many of them are. Whatever the situation that brought about your bankruptcy when you live life after bankruptcy it is important that you learned your lesson and take what you have learned with you so that you do not make the same mistakes, or allow the same situation to occur, in the future.

Accepting Credit Cards is Easy with Pay Junction’s Trinity Merchant Processing Software.

Watch this short introductory video to get an idea of what Trinity can do for you.

Visit www.Pay-Junction.info and click on the video link to get the full demo.

Have you been looking for a way to get rid of your credit card accounting nightmare? Now this isn’t for your common retail shops but for your business professionals. Doctors, attorneys, chiropractors, manufacturers, dentists, auto repair, glass repair, heating and air conditioning contractors etc.

I’m talking about your office that when you process your credit card you print a receipt and stuff it into the daily transactions for the day. This envelope is then passed on to the accounts receivable department or yourself later if you’re a small business and your accountant or yourself has to go through the tedious task of matching up the days receipts with the bank statements and at the end of the month your Merchant Processing company sends you your invoice which again takes more time to compare to the books.

Now this process is already bad enough in the office, now if you accept credit cards in the field for you contractors out there. Your representative/worker goes out to perform a job and the customer offers them a credit card, they in turn either:

1. Call the office with the credit card number
2. Write the credit card down on paper for later processing (losing this paperwork is now a risk)
3. Or processing it through an additional 3rd party processor by phone (extra costs & accounting)

Anytime these credit card account numbers are written down they are at a potential risk of being lost, stolen or misplaced, you also hope that you have honest employees so that you don’t risk fraud.

So how do you get rid of this Credit Card Accounting Nightmare?

Pay Junction’s Trinity 3 in 1 Merchant Solution

Here’s what the Trinity Web based Merchant Software will do for you.

• It’s completely internet based - Get rid of that dedicated phone line that runs your old credit card machine & save $$
• You can access your Trinity software from any computer in the world with an internet connection
• All transactions are stored securely in the back office of your Trinity Store - No more risk
• Permanently stored credit card customer records - you can look up records back to day 1 of using Trinity
• You can print or email customers copies of their receipts from the software.
• You can produce daily, weekly, monthly or yearly reports by a touch of the button and easily export them to your accounting software such as Quicken and many more
• You can enter credit cards manually or with the optional swiper (attaches by usb)
• You can add customer information at the time of entry or after, address, email, phone etc.
• You can easily accept credit cards on your website - no extra cost or programs
• You can accept credit cards on the go by cell phone, phone or PDA - All transactions are stored online
• You can assign account ID’s per Representative, Department, Store etc for independent record keeping
• You can set up recurring billing
• and more

One System, One Solution for all of your business needs.

Businesses that will benefit using the Trinity System are:
Doctors, attorneys, chiropractors, manufacturers, dentists, auto repair, cab companies, tanning salons, video rentals, golf courses, heating and air conditioning (HVAC), manufacturers, distribution, utilities, insurance, dry cleaners, gyms, spas, any retail business with more than one location, cabs, limos, delivery, on site services, repair, plumbers, contractors, towing, roofing, traveling sales reps
AND MANY MORE . .

Visit the Pay Junction Trinity Website for Details

You can view or download the Trinity Credit Card Processing PDF here.

More PDF’s coming soon.

1. Trinity by Pay Junction, stores a digital record of every transaction. No need to file away paper receipts. If you need to organize the processing receipts and filing then Trinity will do that for you. All transactions and reports are available online.
   
2. Trinity will allow you to easily search for past transactions by customer name, credit card #, invoice #, etc.
   
3. Automatic re-occurring billing available. Your accounts receivable department can never close.
   
4. Trinity will allow you to pull detailed online reports and totals by a specific time frame. Pull reports for the day, week, month, year, sales area, location or individual and etc.
   
5. Trinity gives the ability to separate sales reports by individual users, locations, or departments by assigning separate user ID’s.
   
6. Trinity will give your accounts receivable department the ease of exporting daily, weekly, monthly or yearly reports by a touch of a button by CSV, Excel or XML to your businesses accounting software.
   
7. Trinity will allow you to accept credit cards on the go through any cell phone. There is no limit to the number of phones that a business can use to process.
   
8. Trinity will track every transaction that you make through your phone and store it online for future viewing and management.
   
9. Trinity will allow the business to separate individual employees who are using the system to make sales. By assigning different user IDs. The business can see separate sales totals by department or employee.
   
10. Trinity can also be accessed from a lap top with a wireless internet card. A USB card swiper can be attached to the notebook computer or a desktop PC for swiping cards.
    
11. If you have re-occurring payment of the same amount each month, Trinity will allow for recharging a client’s credit card each month automatically. Using a client account number, the business can re-bill the client’s card over the phone.
    
12. Trinity allows the business to sell their products and/or services via their website. This can generally be setup in a matter of a few minutes.
    
13. Trinity will allow for a business to sell on the same merchant account you have for your physical store (a normal terminal obviously cannot process online, so the business would need a separate account with additional fees for online setup).
    
14. Trinity can be deployed to multiple computers with an Internet connection, thereby eliminating the bottleneck of multiple people wanting to use the same computer on a slow dial up modem.
    
15. Trinity has unlimited user IDs to separate sales by locations, departments, or even employees.
    
16. The business can eliminate all phone lines dedicated for processing machines which generally results in an immediate $360 in annual savings per existing outdated credit card terminal. (i.e. 12 months x $30).
    
17. Adding new locations or employees will no longer include purchasing additional equipment and running a new phone line.

With Trinity, you can use one of these magnetic swipers and plug it into a notebook, a cellphone or a PDA and accept credit cards anywhere you can receive internet or cellphone services. The MSR will help you receive the lowest processing rates per transaction.

Visit my Pay Junction Site for more Details. Be Sure to watch the Video…

E-Commerce

PayJunction is an Internet Processing Gateway. Therefore our core competency is web based transactions. As far as the merchant account competitive landscape is concerned, the last unsaturated resources are internet and wireless transactions. Being less than a decade old, the general public’s understanding of e-commerce is very slim. This has lead to thousands of merchants who chose to go online paying way too much for way too little. This especially includes rates and fees with credit card processing.

Ecommerce rates in general are much higher than normal. This means that acquiring accounts will be easier due to our ability to show increased savings. In addition to that, salespeople in the bankcard industry also have little understanding of e-commerce. Most of them stay away from it. This has led to:

1) Extremely high rates

2) Uneducated merchants

3) Merchants who aren’t “on the defense” because they haven’t been approached by numerous other salespeople.

4) We can easily locate potential clients knowing four things in advance:

a. What their problems are

b. What rates they are paying

c. How we can fix them

d. What we want to sell them

This opportunity has really become a consultative one. Most of the people who use third party providers, or are using e-commerce in general just don’t know any better. Ignorance has been a major factor which dominates the web. When this lack of internet knowledge is combined with the fact that merchant accounts are also a very foreign concept for the average business owner, we find vast opportunity.

Third-party providers are companies that allow you to accept credit cards on their behalf. They are allowing you to “borrow” their own merchant account to provide you with this service. Many e-commerce merchants start out with these types of payment processing providers because start-up is very easy, and the account is month-to-month. PayPal is an example of this. There are many drawbacks to accepting credit cards this way.

Every business has a long-term goal to setup a LEGITIMATE merchant account. We are here to help them do this with no setup fee.

Here are a few broad reasons why merchants should avoid third party providers if they can:

1) Higher Rates - The discount rates are generally MUCH higher than those of standard merchant accounts.

2) No Control - Since you are using their merchant account, you have no say if they chose to hold your funds, freeze your account, etc… Class action lawsuits are commonly filed against these providers for unfair business practice.

3) Reputation - Lack of a real merchant account may put a merchant at risk of looking juvenile relative to their e-commerce competition.

4) Chargeback Risk - Since you are using another firm’s merchant account, clients will not see your companies name on their bank statement and possible chargeback their transaction due to a misunderstanding. These chargeback penalties will be passed down to the merchant.

PayPal

1) Go to www.paypal.com and click on the small link on the bottom of the home page that says “shops.” PayPal lists the categories on the left side of the home page.

2) PayPal is NOT FDIC Insured.

3) Any PayPal customer with a problem has an impossible time calling and talking to a live person.

4) Fraud against merchants runs rampant on PayPal

5) Louisiana has ordered PayPal to stop doing business in the state.

6) During Columbus day weekend of ’04, the PayPal service went down for 4+ days. Tens of thousands of merchants were affected by this collapse in service. Since then, there has been a wave of PayPal clients who are looking to set up a legitimate merchant account. This issue for PayPal may be the nail in the coffin for third-party providers.

2Checkout.com

1) 5.5% discount rate versus 2.2% from PayJunction.

2) Less protection during disputes by not having a legitimate merchant account.

3) They charge $0.45 per transaction, we charge only $0.35.

Companies With Recurring Billing

Our online Trinity point of sale system has a free recurring billing feature. This feature saves companies money in the form of time.

Many companies are forced to manually enter hundreds of credit card numbers per week. With our point of sale, the credit card info is entered manually or via swipe one time only. Once the card info is in the system, clients can plug the card numbers in for recurring payment. The credit card info is stored on our secure servers forever.

PayJunction is targeting several specific vertical markets. We have chosen these segments because of their ubiquitous nature along with the fact that we can sell them on ONE MAIN BENEFIT, recurring billing. These markets include:

1) Fitness Centers

2) Storage Facility

3) Chiropractor

4) Dentist

5) Attorney

6) Yoga / Cooking / Karate Classes

7) Magazine

8) Newspaper

9) Web Hosting Company

10) And More…

Companies With Multiple Locations

Our Trinity System is much less expensive to deploy for companies who have multiple locations or offices. If a merchant has 5 locations for their business that all accept credit cards as a form of payment, they have two options:

1) Pay full price for 5 standard terminals (average price $700) and 5 separate phone lines for each of those terminals.

a) Total $3,500 for equipment.

2) Pay full price for one Trinity license (retail $449 and $99 per additional login)

a) Total $845 for equipment.