!: Great Deals MERCHANT'S NATIONAL BANK OF NEW YORK Decide Now

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Post Date : Dec 14, 2011 13:29:19 | N/A

MERCHANT'S NATIONAL BANK OF NEW YORK

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MERCHANT'S NATIONAL BANK OF NEW YORK

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Swiss Bank Account - Swiss Private Banks - Opening Accounts

!: Swiss Bank Account - Swiss Private Banks - Opening Accounts

www.swissprivatebank.com for Swiss Bank Account Information, Swiss Banks, Private Banking Switzerland. Accounts - Offshore Asset Trusts - Wealth Managers - Wealth Protection - Overseas Private Banking - Inheritance Planning - Private Bank. How to open a Swiss bank Account. Swiss Accounts...

Swiss Bank Account - Swiss Private Banks - Opening Accounts

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Anonymous - #OpCashBack - November 5th

!: Anonymous - #OpCashBack - November 5th

If you dont trust any credit union, just let your old bank account active and try to get as much hardcash as you can. Fiat money is worthless for merchant banks, because if they need it they just create it, but if they loose their reserves of hard cash they may even could become bankrupt. ---------------------------------------------------------- Let's hurt the bankers. Links: Facebook page: www.facebook.com/Nov.Fifth Credit Union Near You: www.findacreditunion.com

Anonymous - #OpCashBack - November 5th

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Shift to Electronic Payments: Growth Opportunities for Merchant Processors

!: Wholesale Shift to Electronic Payments: Growth Opportunities for Merchant Processors look to

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Post Date : Nov 20, 2011 01:42:05
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There has been a continued strong global transaction growth in both debit and credit card transactions. The continuous move away from cash to electronic mode of payment is creasing significant opportunities for payment processors like First Data, Global Payments and networks like MasterCard and American Express. Australia’s share of retail payments through credit and debit cards is the highest with 51% of overall transactions in the country. Canada, France and United States follows with 47%, 40% and 37% respectively of overall retail transactions with credit and debit cards. Cash-centric international markets like Russia, Japan, China, Germany and Italy holds immense opportunities for merchant processors and card networks as the level of card penetration is also rising in these countries. The merchant services industry is highly competitive and largely a commoditized industry. The major factors that have increased competitiveness include aggressive pricing by merchants, increased adoption of technologies and ease of switching processors. Increased competitiveness and aggressive pricing has resulted in negative impact on the margins of merchant processors. Reduced profitability of the industry has resulted in consolidation as players are increasingly looking for gaining economies of scale. The report is a study on the shift to electronic payments from cash and the implications of this shift from the perspective of merchant processors or acquirers. The supply chain in the processing of credit or debit cards has been studied with a focus on the major entities - card issuer, card association, merchant, merchant acquirer and electronic processor for credit and signature debit transactions. The report analyzes the factors that are driving the growth of paperless transactions. It also assesses the competitiveness of the merchant processing industry and profiles the significant processors.

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Worldwide Merchant Services

!: Worldwide Merchant Services

If you are looking for a merchant account give me a call anytime at 1-866-949-8472 or visit my website for more information at www.thehighriskprocessor.com once you start the application process is almost immediate and if you are a high risk merchant account , I work with over 20 banks that can get you approved even if you have been turned down before or are on the TMF list. I love my job processing high risk merchant accounts I know the ins and outs of getting your application in the hands of the bank that will get you approved.

Worldwide Merchant Services

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The Dynamics of Organizational Collapse: The Case of Barings Bank (Routledge International Studies in Money and Banking)

!: Saved The Dynamics of Organizational Collapse: The Case of Barings Bank (Routledge International Studies in Money and Banking) Order Now

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The collapse of Barings’ Bank was a commercial catastrophe that resonated worldwide, showing what kind of secrets can lie behind an apparently successful organization.  Following Nick Leeson’s arrest and subsequent conviction for fraud, investment banks anxiously reviewed their risk management controls to make sure that it could never happen again. 

Helga Drummond’s exploration is conducted against a backdrop of social and psychological theories of decision error that seeks to go beyond media style accusations of greed and incompetence.  She challenges the myth that Barings ‘must have known’ that mischief was afoot.  The book offers lessons for all organizations as it shows how easily managers can end up living in a world of fantasy believing that everything is under control when the precise opposite may be true.  It is not risk and uncertainty that should worry organizations, concludes Drummond, but what they are most sure of.    

The collapse of Barings Bank had international ramifications, and this scholarly analysis will have an international audience as a result.  The book will be of great interest to all those interested in social psychology, the application of psychology in management theory, sociology, and organizational behaviour. It is also suitable as recommended reading for a management or organization behaviour course.

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High Risk Businesses - Do the Banks Want You?

!: High Risk Businesses - Do the Banks Want You?

A merchant is considered high risk business if the bank believes acceptance of a merchant will lead to a higher than usual risk of financial loss. High risk businesses can still obtain merchant processing. But, it often takes expert advice to determine which acquiring bank is best suited to handle the specific needs of your high risk business.

It is well worth-while for a High Risk Business to seek the expertise of a payment processing professional who understands how best to package the application and how to best present your business to the right banking officer.

In addition, any business will want to consider establishing accounts at more than one bank and often in more than one jurisdiction. Like any other business operation, redundancy of payment processing accounts protects your business from unforeseen contingencies.

Why do banks worry about high risk businesses? The answer is simple. Banks are concerned about chargebacks.

A chargeback occurs when a consumer calls the issuing bank and disputes a charge. The consumer has the right to dispute a charge up to 180 days after buying a product or service. Therefore, the bank is ultimately responsible for contingent liabilities of 6 months on every purchase made using a card.

There are many reasons for chargebacks. Some are valid. For instance, a consumer may not have received merchandise or a merchant may refuse to refund money to an unhappy consumer. Sometimes a consumer calls the bank rather than calling the merchant resulting in a chargeback being issued.

Sometimes, neither the business nor the consumer is to blame for chargebacks. Chargebacks may be caused by identity theft, fraud and cybercrime.

Millions of Americans are affected by identity theft each year. The television show "Dateline" reports that a stolen identity, including all credit card and banking information, can sell for as little as on the internet.

Within minutes, merchants can be targeted by fraudsters around the world buying items using stolen credit card information. Chargebacks ensue. The merchants and the banks lose money. And consumers are angry and frightened by the loss of their identity.

Merchants can dispute chargebacks. The merchant may even win the dispute. But, the bank sees a record of dissatisfaction on the part of consumers. And, the chargebacks still remain on the merchant's processing statements and are still considered chargebacks when account ratios are calculated.

The credit card companies insist that the merchant account portfolio of the banks remain under 1%. If a merchant consistently exceeds the 1% threshold, the bank is fined. The longer the merchant stays over the threshold, the higher the fines become. If a bank continuously has a high percentage of chargebacks from merchants, the bank risks losing its ability to issue merchant accounts.

If a business continues to have chargebacks, fines are assessed against the bank. The bank, in turn, passes the fines on to the merchant who may or may not be able to pay. If chargebacks do not quickly fall below 1%, the bank will terminate the merchant account. As a result, the merchant may go out of business or declare bankruptcy. Leaving the bank financially responsible for the chargebacks.

Carefully watch your merchant account processing statements each month. Nip any chargeback problems in the bud, before they escalate and threaten your merchant processing account.

If you are a High Risk Business, avail yourself of the expertise your payment processor has to help you manage your account. There are excellent specialized tools available that will minimize chargeback risks while maximizing sales results.

High Risk Businesses - Do the Banks Want You?

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4G Companies Private Equity - Chris Griffin

!: 4G Companies Private Equity - Chris Griffin

Chris Griffin talks about passion and the importance of a great idea in private equity. 4G Companies is a diversified merchant bank headquartered in Dallas, with offices in New York, Beijing and Abu Dhabi. 4G Companies provides private equity funding and business advisory services, as well as mortgage and insurance products. 4G is committed to changing the way changing the world through a special focus on developing companies with transformational and sustainable technologies.

4G Companies Private Equity - Chris Griffin

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Why Did I Receive a Bank Levy?

!: Why Did I Receive a Bank Levy?

Often, when a taxpayer discovers the IRS has placed a bank levy on their accounts, they are at a loss to understand why. If you are dealing with a bank levy, it is important to understand why the action occurred. There is an IRS tax collection process that precedes the use of this measure. By understanding that process, you will have the important tools to protect your assets in the future and avoid it from happening again. Help of an experienced tax specialist is the perfect guidance.

IRS Notifications

You will not receive a bank levy until after the IRS has sent you a series of notices regarding the amount of back taxes that must be paid.

First, you will be sent a Notice of Payment. The IRS will begin by assessing any back taxes you owe, including interest, penalties and fines. Upon completion of the assessment, you will be sent the Notice of Payment. This notice will explain the amount of back taxes owed and give you the opportunity to pay them. It is important to respond quickly when you get this notice. If you ignore it or procrastinate, your tax problems will compound. The IRS wants to hear from you and will grant you a short period of time in which to pay your tax debt in full. If you do not pay your back tax debt, the second step in the bank levy process will occur: The IRS will send you the Final Notice of Intent to Levy. This notice will explain your basic rights and advise you of further IRS collection action if the bill is not paid. You must take immediate action to prevent the bank levy from occurring. You have two options: (1) Pay the full back tax amount demanded by the IRS, or (2) call a qualified tax attorney who can negotiate with the IRS on your behalf. If you do nothing, your bank account will be frozen.

Lifting or Avoiding a Bank Levy

Once the bank levy occurs, you will be required to go through a complicated and confusing process in an attempt to lift it. It is not an easy procedure and requires current knowledge of tax laws and codes. A tax specialist experienced in negotiating with the IRS is more likely to get the bank levy action reversed. If a taxpayer attempts to face the IRS alone, it could be a long time before they have access to their accounts again. Worse yet, once they do have access to their accounts, all of the money may be gone.

Even though the best way to avoid a bank levy is to pay taxes on time, it is not always that simple. Most taxpayers would pay their taxes on time if they could, but life happens and it is not always easy to do what needs to be done. An IRS Notice of Intent to Levy israrely started against taxpayers who can afford to make their payments. Instead, it is typically taken against those who simply do not have the money. There are tax settlement options available that a tax specialist can help you with. A qualified tax attorney can halt the bank levy process and help you obtain a fair and affordable tax settlement.

Working With a Tax Professional

Attempting to negotiate on your own with the IRS to lift a bank levy can lead to increased penalties and fines, additional financial stress, and missed opportunities. You need the help that tax professionals can provide. They know your financial rights and what tax repayment options are available. You will be represented in all IRS negotiations to bring your tax problems to an end. In addition to handling your Notice of Payment or Notice of Intent to Levy, tax experts are skilled in:

Prevention and release of wage garnishments Prevention and release of tax liens Repayment negotiations (such as debt reduction and installment agreements) Tax debt elimination Submission of unfiled tax returns

Why Did I Receive a Bank Levy?

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