Stability, Predictability, Consistency, and Standardization in the Flow of Commerce

The best of all possible worlds is for the government to stay out-of-the-way of commerce, industry and business, and very rarely institute regulations. There are some times when government and businesses, industry associations should collaborate for the sake of standardization, but again, very rarely. The tendency to allow industry collusion, create monopolies, duopolies or quasi-cartels is just too easy. Further, once you create one regulation it’s hard to prevent the add-on affect, the temptation is just too great to add exceptions, additions, clarifications as lawyers, unions, and consumer groups work to lobby legislators to intervene with the regulatory apparatus.

A few years back this was a big conversation at our Think Tank, and one think tanker Andrew stated: “I would have to agree that businesses do need some form of standardization, but we must also understand several concepts! A business must have the capability to micromanage for maximum efficiency. I believe states should be granted the power to standardize businesses, not the federal government.”

Okay but, where I see the definite need for standardization are with things like Internet Protocols, railway track width, freeways for intrastate travel, airport runway markings, frequencies used in communication, food safety, etc. In a big state like TX you could get away with doing almost everything counter to the overall prevailing way of doing things, it’s practically large enough to be its own country, and some Texans would prefer it to be still. Pretty independent minded, even with the population’s mindset of succession from the union. It even has its own electrical grid.

Still, with regards to the flow of energy, transportation, distribution, communication, currency, etc. we need standardization. And to the point of having each state decide, what about every county, every city, or every HOA, down to every person, where do you stop the breakdown of centralized standardization.

The argument for state level standardization could be argued against by someone who is a County Supervisor telling the State to go to hell, we want to do it our way, especially a county like the County of Los Angeles, with 16 million people in it, also larger than most countries. How about a city telling the county where to go, again as an example, let’s take the City of Los Angeles VS County of Los Angeles, see the point.

And realize I am not making an argument for a global government here, but we also need some standardization there too, for aviation, which we do have, maritime, trade rules, and having the Central Banks work together so no one Central Bank doesn’t destroy the entire global economy. See that point. We need SOME standardization, but we MUST retain regional variation. We do this at the Global Level, but we don’t do it enough at our Federal Level with regards to the states in the US and that’s why we have issues now. Think on this.

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Credit Card Processing

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

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

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

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

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

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

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7 Reasons How Goa Will Blow Away Your Winter Blues

According to experts, the seasonal affective disorder (SAD) or winter blues affects millions of people around the globe. People of any age may get effected by it. If you have been suffering from winter blues, you are not alone. It’s said that traveling can help you deal with your SAD, and if you happen to be from India, you may get ready to leave for Goa. Here are 7 reasons how Goa will blow away your winter blues.

Amazing Natural Beauty

Goa has incredible natural beauty with a great deal of green forests and beautiful beaches. Some of the must-visit beaches include Baga beach, Anjuna beach, Calangute beach and Candolim beach, just to name a few.

In the majority of shacks, you can get umbrella and beds for free if you love to eat at beach shacks. Aside from this, most of these places offer different types of Indian, continental and seafood. You may also get to South Goa to take your time at the serene beaches.

Old Goa

Old Goa is a beautiful place to visit the popular places, such as churches of Francis of Assisi, St Augistine and Basilica of Bom Jesus, to name a few. In the evening, you have the option to visit Panjim. Old Goa also has some of the finest Casinos of the country. Just be careful, as you don’t want to spend all your money over there.

Electronic Music

If you love Electronic Music, Candolim and Vagator are your places. During the last 7 days of December, you can attend the popular Sunburn and Supersonic events. Usually, visiting Goa will cost you more money during New Year, but it will be worth the money. The crowd during the New Year makes an incredible atmosphere.

North Goa clubs

If you love to party, you may head to the dance clubs of the North Goa. The majority of the clubs are not that expensive. There you can enjoy music late at night. Clubs that are the most popular include Sinq, LPK, Club Cabana and Curlies.

Food Lovers

If you love to eat seafood, Goa is the best place. Throughout the state, you can find a variety of sea food as well as cheap alcohol. You can also eat alcohol Fenny, which is made from coconuts and Kaju.

Adventures

For adventure lovers, Baga beach, Calangute beach and Sequirem beach are your places. On these beaches, you can play a variety of sports, such as water scooters, Para sailing and scuba diving.

Biking and cycling

Throughout Goa, you can hire bikes or cycles at many of the rent shops. If you want, you can hire cheap Royal enfields and 4 wheelers for a couple of days to have fun. You can cruise along the streets of Goa and drink roadside tea or coconut water.

So, if you are having winter blues and would like to go somewhere for a few days, we suggest that you give a go to Goa. This beautiful state has a lot to offer. Hopefully, you will have a great time over there.

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Gambling: Online Casino

Gambling is considered to be an activity that involves betting on the outcome of a contest, playing a game for money, or paying for the opportunity to enter a lottery. It is a very old form of entertainment and one that will be with us as long as we continue betting. The pleasure of gambling comes from the very real risk of losing even your most prized possession. On the opposite side, gambling comes from wagering valuables or material things one cannot afford to lose. In a nutshell, gambling though how entertaining it is has its own advantages and disadvantages.

Gambling, which most people would really enjoy, could be of many different forms which include scratch tickets, pull tab tickets, bingo games, mahjong, charity raffles, lottery tickets, betting on sports games or casino games.

Casino games can be considered most common among people and it is commonly played in almost every country around the world. These days people could be entertained by just playing casino games online. Online casinos, also considered as internet or virtual casinos are online adaptations of traditional casinos that most people liked playing many years ago.

A casino game is similar with the land-based casinos that offer odds and payback percentages. Some of them claim higher payback percentages for slot machine games and make known to people payout percentage on their websites or homepages. The payout percentage for the games, being played by gamblers is established by the rules of the game.

Today, most people seem to be bombarded with lots of negative things. For this reason, they would really take up gambling though just from time to time yet soon it becomes their habits.

Gambling is undeniably fun and casinos create an exhilarating atmosphere, and there is always that slim chance of winning a fortune. Today whatever game you desire playing, the casinos available online could always provide you fun and excitement. It easy to find virtual casinos and if you have already chosen the game you want to bet on then you have to get ready and make a deposit, you will be entitled for some terrific first deposit bonuses for sure.There are various online casinos that could provide players free casino credits which can be credited into their real player account once they have met all wagering requirements.

Various online casinos with no deposits could provide players free of charge bonuses to try out the casino games available. Some casinos offer or give players up to $150 of free bonuses but on the other hand, the normal amount a casino could give is between $10 up to $25 only. Most online casinos have their own verification process to make sure the gambler or the person playing is really the one whom registered. This is to ensure their protection.

Here is a few of the casino sites that you could play at online.

1. BET365 CASINO

2. GAMING CLUB

3. GO WILD

4. CRAZY VEGAS

5. CASINO CLASSIC

6. GOLDEN RIVIERA

7. INTERCASINO

8. JACKPOT CITY

9. PLATINUM PLAY

10. RIVER BELLE

These are just a few of the so many casinos available nowadays.

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How Being Authentic Will Help Your Network Marketing Career

People can see through smoke and mirrors. Maybe it was different in years past but these days people are very smart. In this article, we are going to talk about how being authentic will help your network marketing career.

Let me first let you know that being authentic to me does not mean that you share all of your business with the world. Being authentic means being in line with whatever message it is that you are sharing. If you are talking about financial freedom and you don’t have it, you should be talking about how you are working toward it and what you are learning instead of trying to make people think that you already have it.

One of the things I remind myself and teach to my team is that the truth is good enough. Maybe we are not impressed with the success that we have so far but it could be just what the person we are talking to needs to hear.

When I am talking about success, I don’t even necessarily mean monetary success levels, it can even mean that you’ve enrolled one person or got one customer. Whatever your story is, you have to be good with your story and be authentic. This does not mean that you tell the world all of your problems. People don’t need to hear all of that. You can give your story after you’ve gotten through your challenge. When was the last time people were inspired by a rags to rags story?

When you are talking to people just connect with another human being and be genuine in your writing and any other communications as well. The more that you do this, the more people will know, like and trust you. We all know that these are the people that we love to do business with and that is how your business will be helped by being authentic.

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The Seven Wonders of the World

The world around is filled with all kinds of wonders and we can gaze at them only by opening our eyes and our hearts. After all you need to believe in magic to be able to believe it. However, if you’re someone who is a bit on the cynical side, we bring to you a list of the wonders that exist all around the world. If you are a fan of archeology, history or travelling you’re definitely going to enjoy this article. Oh and if you plan to travel after reading this, don’t forget to look into Cathay Asia Airlines.

1. The Great Pyramid of Giza
The crown jewel of Egypt and the only surviving architecture from the original Seven Wonders of the Ancient World, this pyramid is truly a sight to behold. This pyramid is said to be built as a tomb to the Egyptian Pharaoh Khufu. The building is approximately 480 feet tall and was the tallest building in the world for more than 3800 years. This pyramid when built was outlined with a limestone casing which with time got destroyed. Now you can only see the casing near the bottom of the pyramid whereas the top exposes us to the inner lining of the pyramid.

2. Petra, Jordan
Petra is often called the city of rose due to the red colored stones that it is made of. This beautiful hidden city is famous for its architectural grace and the water conduit system. Even though the city is located in Jordan, it was actually discovered by a Swiss explorer in the early 19th century. This place is also said to have structures that are more than 2000 years old.

3. Christ the Redeemer, Rio De Janeiro
This miracle took a total of nine years to be constructed due to the its location on the top of a cliff. This is the third largest statue of Jesus in the world. The raw materials for this statue were actually imported from Sweden. This beautiful statue was actually constructed as a sign of peace, to show that Christ loves everyone.

4. The Great Wall of China
This wall that stretches over 8000 kilometers was built over a period of 2000 years and renovated over time by many different Chinese dynasties. It is said that millions of people died while building the wall and that they’re buried within the Wall’s foundations. The Wall is also famous because it is the only structure on Earth that can be seen from the moon without any aids. Fascinating right? Go check it out yourself!

5. The Colosseum
This fighting ground of the roman gladiators took 8 years to build and was designed by the Roman Poet Virgil. The Colosseum has more than 80 entrances and can house 50,000 people at one time. It receives millions of visitors every year and is therefore the biggest tourist attraction in Rome.

6. The Leaning Tower
This beautiful tower located in Pisa is famous because of the way it inclines with height. The architecture has been constructed in a way that makes it feel tilted. If you’re ever in Italy, this is a must place to go to.

7. Taj Mahal
Constructed by an emperor in the memory of his beloved wife, this palace is a symbol of love for the entire world. The intricate architecture and carving inside this Mahal will make you fall in love with it. And if you don’t believe us, why don’t you go see it yourself? All you have to do is book your ticket using Cathay Asia Airlines.

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How to Live a More Exciting Life With Network Marketing

If you are a network marketing professional then you have the ability to live an amazingly exciting life. In this article, we are going to talk about how to live a more exciting life with network marketing.

When you are working in network marketing you have the ability to be working from anywhere in the world now that we have the internet. There is no reason to be constrained to one area of the world. We can go anywhere in the world and still support our teams and show people how to be successful in our organizations.

If we don’t design it is not going to happen. If you do not know where you want to go, what you want to do and how you want to do it, it’s not going to happen. This is why we need to create dream lines. We need to know what we are going to fill our free time with once we create it. If we don’t know what we are going to do with the free time, we will find something to fill it.

The biggest trap is getting addicted to working for work’s sake. Instead of working for work’s safe we need to create systems that will work for us and fill our time with things we enjoy doing. What are some hobbies that you have? What are some causes you want to help with?

Network marketing allows us to live any lifestyle that we want to live and create passive, residual income but we have to tell life what we want. It is not enough just to have a dream board. You have to have a game plan.

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What Items Are Considered Fashion Accessories And Why Are There So Many?

Have you been trying to upgrade your gear as in your appearance of what you wear? If you are then you will need to start looking and thinking about what your style is and find that type of brand that you like and stick with it for awhile.

As it comes to fashion and accessories you will find that there is a diverse variety of different types of accessories. Fashion accessories, like clothing, shoes and others come in different shapes sizes and more. There are clothes and other fashions made just for that type of person it can be found from kids to bigger adults.

One of the most desirable types of fashion accessories is that of jewelry. As it was stated above fashion accessories are for all types and ages of people and genders. For kids and teenagers and older people they like necklaces bracelets and that such with charms and colors. Men usually like necklaces with large charms or nice watches, while women tend to like rings with stones those of diamonds, bracelets, anklets and many more.

More types of fashion accessories include handbags or purses. Most teen girls and women like to carry all there stuff in one of these. A purse is just used to carry their stuff that they need with them and handbags are just larger than a purse and can hold more. Handbags and purses come in many different styles, shapes and sizes that is why many girls and teenage girls and older women have a variety of these.

To go along with purses and handbags traveling bags are now popular as well. Travel bags are sort of the same as a handbag but are made for men and women. A travel bag might even have a smaller handbag inside to be used to bring on to the plane with you.

Shoes also are a prized possession of many types of women. A lot of women have to own a different pair of shoes for every outfit. Due to those reasons is why women like to shop a lot. So if a woman has a lot of shoes but not enough clothes she’s going to go out and get enough to match them.

More pieces of fashion accessories are belts for both men and women. Men and boys usually wear belts as means to hold up their pants but women wear them as fashion and are not just to hold up their pants. Women’s belts arrive in many different shapes sizes styles and colors. These belts that women wear are just for fashion and are not made for any specific reason except to display their sense of style and fashion.

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Hobby Classes For Children

Parenthood is definitely the toughest and the most challenging task. From giving birth to a child to growing him up into a civilized human, parents have to face various turbulences in life. The way the child grows and what he becomes in future is all influenced by the way parents handle their child and the kind of environment they give. As the child grows up it is very important to keep him active and busy into good activities. More of free time makes your child lazy and pushes him to get indulged in something that may not be good for him. It’s the job of parents to choose some constructive activities and pastimes to ensure healthy growth and development of their child. This is where the role of hobby classes comes into course.

Hobby classes for children are the best pastimes for them that contribute to their overall development. It also plays a vital role in exploring their hidden talents and boosting their self confidence. Children also discover their skills and abilities during the course that they use to their benefit to showcase their credentials in due course of life. Nowadays there are many hobby classes conducted in various places. Some are regular classes and some classes are conducted during vacations so that children can make wise of their holidays. The only thing that parents need to consider is the interest of their children. They should not push their children to learn something that they are least interested in.

Some of the most popular hobby classes for children are art and craft, dance classes, music, and sports. Art and craft classes are great for those children who have a passion for drawing. A class like this will help to enhance their drawing skills and help them explore their imaginations and creativity. Art and craft classes include variety of courses like drawing, flower making, basket making, greeting cards, paper decorations, and jewelry making.

Dance classes are also of various types like free hand dancing, kathak, bharatnatyam, hip-hop, salsa, jazz, and movie dance. These classes contribute in boosting self confidence and bring an open outlook towards life. Dance makes children more expressive and helps in improving the coordination between heart, mind, and body. This coordination is really essential in human life as it influences our behavior and controls our daily activities. Music and singing classes are also very impressive for children. Almost all children are influenced by the movies and enjoy music to a great extent. Vocal music, singing classes, guitar training, tabla, and harmonium are all different types of music classes that are conducted for children.

Children today are also involved in various sports activities like skating, cricket, tennis, badminton, and swimming. All these activities make children sporty and active. It not only enhances physical activeness but also offers freshness to mind and calmness to heart.

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Useful Travel Tips About Seasons And Weather in Langkawi

Langkawi has the same type of climate as Thailand. It is known as a tropical monsoon climate. It can sometimes also be labeled as a “tropical wet climate” although that’s not always the case year round. It’s paradise climate makes Langkawi a great place to visit, but it’s wise to learn about the different types of weather before booking that perfect vacation.

For those that are accustomed to the usual four seasons of spring, summer, autumn and winter, Thailand may seem like a different planet! Its summers and winters may seem backward although It is usually warm all year round with temperatures ranging from an average of 27 degrees Celsius (81°F) during the coldest month of July to about 29 (81°F) during the hottest month of February.

With that said, rather than traditional seasons, Langkawi experiences only a wet season and a dry season. In terms of traveling, these are known as the low season and the high season respectively. This is because many tourists only prefer to visit during the dry season as to avoid the rain and possible monsoons.

Dry Season (high season):

November through March is the busiest time. During this time, Langkawi experiences the most traffic.

Following the heavy rains of the wet season, the plant life thrives creating beautiful sights.

Due to the high influx of visitors, many of the prices are raised to compete with demand.

Wet Season (low season):

July to October is when the Langkawi tourism business slows

The rain varies in levels of intensity. Sometimes intense flooding is possible.

On many occasions, the rain doesn’t last long but is very strong

During this time, boat travel is not always available

For those looking to hire a Koh Lipe ferry to Langkawi, it may still be possible to do during the wet season as long as the travel plans are made to be flexible. However, traveling by ferry from Langkawi to Phuket or even hiring a Langkawi to Krabi ferry is not recommended during the wet season.

During the dry season, it’s extremely common to find a ferry between these popular travel destinations. In fact, it is the preferred way to travel as many places in and around Thailand are too small to have their own airport.

In either season, wet or dry, it is usually possible to hire a ferry to KohLipe to Langkawi and vice versa without any problem. They offer very competitive pricing and have experience in transporting tourists and locals alike from island to island. There are also speed boats available as well for those looking for a faster ride.

It is important to choose the time of year carefully to get the best experience in Langkawi. Of course it all depends on of the preferences of each and every traveler, but usually, a vacationer wouldn’t want to spend their getaway avoiding a flood! On the other hand, some may be adventurous and find exactly what they’re looking for no matter the weather!

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