Archive for December, 2015

topcreditcardprocessorscom Announces BankCard USA as the Second Top Merchant …

Thursday, December 31st, 2015

NAPLES, FL–(Marketwired – December 15, 2015) – The independent authority on merchant services,, has named BankCard USA the 2nd best merchant cash advance service for the month of December 2015. BankCard USA was chosen based on their impressive performance in an in-depth analysis of the solutions they offer. While there are thousands of services offering a variety of solutions, the rankings consist of the best highlighted based on the results of the in-depth evaluation process.

The independent research team at performs a thorough examination of the competing services in order to remain aware of their latest developments within the industry. Competing services are investigated through the use of five criteria of evaluation in areas including efficiency, customer support, security, rates, and calculation methods. The recommendations consist of the best merchant cash advance services each month with the recommendations being updated due to the latest information obtained from the examination.

To supplement the research, the independent research team also connects with client references provided by the competing services. When interacting with customers the research team delves into the clients overall satisfaction. Insight from customers is used to better interpret the strengths and competitive advantages of the services being evaluated.

BankCard USA has been researched as a part of the rigorous analysis and has earned their position as the best merchant cash advance service. Through strong customer referrals and high scores in each of the five verticals of evaluation, BankCard USA has passed each phase of the analysis process. Those searching for a stable service to assist them should consider BankCard USA.

About is an established independent research firm focusing on the examination and recommendations of credit card processing services all around the world. The recommendations are organized by the independent research team each month to feature the best merchant cash advance services based on their performance and their rating achieved through the proprietary examination process.

Those interested in applying for the rankings can visit:

Contact Information
Marc Stephens
9045 Strada Stell Ct.
Naples, FL 34109

Copyright Marketwire
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gifts under $50 that feel good to give

Wednesday, December 30th, 2015


Ok, Ill be honest. I still get excited like a kid on Christmas morning to open gifts…including gifts for me! Everyone in my family thinks about others during this season and we all make an effort to give to those who have less, but we all enjoy giving and receiving gifts too. So, here are some great gifts that you can feel good about giving … and receiving (hint, hint.)

1. The 1Face Watch, $28 and up.

Ok. So its not the Apple watch youve been dreaming of. But this watch helps to support nine causes; cancer, hunger, breast cancer, clean water, disaster relief, environment, AIDS, education, and animal rights, and have partnered with different charities to bring global change. Each 1Face watch cause has a specific metric that tells you exactly what you purchase does. For example, 1 red watch provides aids treatment for 8 patients or a lifetime of water for someone in need. From building wells to providing a year of education, 1Face is committed to bringing about change, worldwide.

2. A Symbol of Family, Strength and Luck, $49.50.

I came across these lovely pieces of jewelry when I was shopping in Ridgewood at Ann Taylor. I was even more inspired to buy one when I found out that 50% of the purchase price is donated to St. Jude Childrens Research Hospital. The Limited Edition jewelry was inspired by the iconic elephant, a symbol of family, strength and good luck.

3. A Ball That Never Goes Flat, $44.50.

Is there anything more universal than a ball? The One World Futbol is an ultra-durable, all-terrain soccer ball that will never go flat, even if it gets punctured. If you buy one ball, the project will give a ball to a community in need in a refugee camp, war zone, or poverty-stricken community. Balls have so far been distributed in Rwanda, South Africa and Iraq while the Sager Family Foundation purchased 10,000 balls to be sent to Haiti. Dont need a ball? For only $25, you can donate one.

4. Unbeatable sound quality and unique style, starting at $29.99.

These must be the most stylish earbud Ive seen. And the headsets are gorgeous but more of a splurge. The LSTN Sound Companyprovides high quality products that help fund hearing restoration and spread awareness for the global problem of hearing loss and hearing impairment. Theyve been able to travel around the world with Starkey Hearing Foundation to help over 20,000 people hear in the US, Peru, Kenya, Uganda, China, Sri Lanka and Indonesia! Check out the videos and watch the kids faces as they slip on their hearing aids and their whole world changes.

5. Watch Out Imelda Marcos, heres a reason to shoe crazy! Shoes start at $32.

Who is Tom anyway!? There is no Tom. Their name comes from the abbreviation of Shoes for Tomorrow. The original idea was for every pair purchased today a new pair of shoes will be given tomorrow. This is how the One for Onereg; Movement was born.TOMSreg; is a for-profit company with giving at its core. With every pair purchased, TOMSreg; gives a pair of new shoes to a child in need. One for Onereg;.

6. Break out the Corkscrew: Every Sip You Take Can Help, starting at $18.99.

Ok, so its hard to decide if I like the wedges or this idea more. Wish I came up with this idea! For every bottle of One Hope Wine that you buy, 50% goes to charity. Thats a high number! Started in 2007, theyve donated over $1.6 Million to their partner nonprofits to date. The company also breaks it down so that you understand the impact that your purchase makes. For instance, every bottle of their Gold Glitter Sparkling Brut provides 15 meals to children in need through their nonprofit partner, WhyHunger. And shipping charges are only $10 for a bottle. One Wine is available on Amazon or

7. Elephants never forget, $29.

World Fair Trade Organization to improve the livelihood of tens of thousands of disadvantaged artisans in 38 countries. Ten Thousand Villages does this by making handmade products from other countries available in North America. I particularly loved their elephant calendar from India. Its beautifully crafted from natural beech. Their artists receive 50% of an orders price when the order is placed, which functions as an interest-free cash advance. They pay the remaining balance immediately following notice that the order has been shipped.

8. Feeling Parched? Hydrate Yourself and Others, $27.

Id love these water bottle just for their color choices. But the fact that with every bottle purchased $1 goes to provide one person in need with clean water for one year? Double happiness. They ask third parties to audit their sourcing, production, and giving to ensure social and environmental sustainability standards are met. Their bottle are esthetically pleasing and functional!

9. Party for Pink, $44.00.

Make moves in the fight against breast cancer in the Party in Pinktrade; Perfect Long Leggings while you get your groove on. Slim and shape your body while giving those hard-earned assets a lift! Zumba will donate 30% of proceeds to Susan G. Komen, which will be applied directly to the Zumbareg; Global Research Grant for Breast Cancer Prevention.

10. Give this fluffy friend a new home, $15.99.

PBS KIDS and Whole Foods Market teamed up to create a series of snuggly, stuffed animal friends including a penguin, moose, elephant, and a panda. 100% of the proceeds help fund efforts to assist kids in eating healthy through the Whole Kids Foundation.
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Four Ways To Get People To Pay Back Money They Owe You

Wednesday, December 30th, 2015

Whether its regular clients, some freelance work you did on the side, an item you sold or just money that your mates borrowed from you, its a pain trying to get people to pay you the money they owe you. With Christmas just around the corner, its a good idea to start chasing down that money that is owed before everybody goes off on their holidays. You could probably use the cash to buy Christmas presents as well. Here are four ways to increase your chances of recovering the money.

Woman who wants her money back image from Shutterstock

Clayton Howes is the CEO of digital consumer finance firm MoneyMe

Of course you may have bills to pay yourself and face a cash crunch if the money doesn’t come in. One option could be a quick cash loan to tide you over. But with presents to buy and parties to go to, it makes sense to get your money in now.

So here are four tips from MoneyMe on how to increase your chances of getting paid:

#1 Ask for your money

It sounds obvious, but if you don’t actually ask for your cash, most people won’t repay you. Maybe they genuinely forgot but the chances are they’re taking advantage of your silence or simply can’t be bothered. So remember to actually email people, text them and send invoices.

If you are sending invoices, there are a few tricks you can try to speed up payment. First: set tighter terms. There’s no need to set 30 days, you can set 15 or even 7 if you want. Try sending your invoice from software that makes it look professional and even follows up with reminders. According to some research, simply putting thank you on a payment request or invoice can increase your chances of getting paid by over 5%.

#2 Make it easy to pay

Whether business clients, family or friends, don’t let people use the excuse of got no cash on me right now. Send them your bank account details, set up PayPal, even look at accepting credit cards.

There are also apps like QPay which make it easy for people to split bills and even pay someone via their mobile phone number.

#3 Use a carrot or stick

One way to incentivise people to get their wallets out is to offer them a discount if they pay early. Or be sneaky and increase your rates by five per cent, then offer a five per cent discount to those that pay on time then you’re actually getting a bonus.

On the flip side, demand a penalty for late payers. This may not wash with your mates, but if you’re providing commercial services it’s a good clause to have in the agreement up front.

#4 Don’t let it go

Too many people rely on other people’s apathy or unwillingness to cause drama and simply don’t pay. They may figure it’s not worth your while to chase the money up formally. Try to get hold of people face to face: it’s much easier to brush someone off or ignore them over email.

In fact it can be worth your while referring debts as low as $50 to a debt collection agency. Some of them offer no recovery, no fee so you won’t be any more out of pocket, even if you don’t get your original money back. Beyond that your options are legal action in the small claims court, but hopefully it won’t get that far.

At the end of the day, you do have to consider whether your mate or client can actually pay. You could also be in a long line of creditors they may have more urgent priorities such as their own bills.

But if theyre completely broke or bankrupt, you may have to cut your losses and chalk it up to experience: being more careful whom you lend to next time. As they say, the best way to lose a friend is to lend them fifty bucks.

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Captain Cash Forecasts an Increase in Demand for Cash Loans in 2016

Tuesday, December 29th, 2015

Captain Cash forecasts an increase in demand for cash loans in 2016, based on the huge increase seen this year. Economic challenges are expected to continue, leading to the need for more people to borrow cash. As more people are now aware of these loans and the many uses of the financial product, they are finding acaptaincash loanto be a viable alternative when the bank says no.

The application process is easy, as individuals may apply online or by phone, and the entire process takes only five minutes, if that long. Certain criteria must be met to be eligible for the loan, but most people do qualify. Those who are approved for a loan find they have the money in their account in no time at all, the Captain Cash staff explains.

The Bank of Canada recently warned that the household sector is vulnerable. This is due in large part to climbing debt levels resulting from low borrowing costs, as household debt relative to income has now reached a record high. Individuals need to manage their debt carefully to ensure they do not take on more than they can pay, as this could leave them at risk in the event of a financial challenge.

Cash loans need to be used responsibly to ensure the consumer does not find him or herself in a vicious cycle, one that leads to the need to take out a new loan as soon as an existing one is paid off. Cash loans benefit many when they find they have a short term financial crisis, yet they should not be used to rectify long term financial difficulties, thecaptaincashstaff continues.

The Canadian oil and gas sector is expected to lay off more individuals in 2016, and credit and loan delinquency rates have been on the rise in certain parts of the country. These are just two examples of where the Canadian economy isnt thriving, and there are numerous others. When a person requests acash loan, they need to ensure they can pay it off in a timely manner and that the loan wont create more problems than it solves.

Responsible borrowing is key when a consumer takes out any loan, not just those of the short term variety. No one can predict the future. An individual who has never needed a cash loan may find they must have one in 2016, and those who have been using cash loans routinely might find their financial situation improves and they have less need for this financial product. Be prepared for any eventuality, and know Captain Cash is here when quick cash is needed. We are happy to help individuals in their time of need, the Captain Cash staff declares.

About Captain Cash:

A brokerage company dedicated to finding cash loans for clients with both good and bad credit, Captain Cash prides itself on amazing customer service. The companys mission is to meet and surpass the needs of clients and, with Captain Cash, its quick, simple and easy.

Media Contact
Company Name: Captain Cash
Contact Person: CaptainCash Staff
Phone: 1-888-226-1026
City: Vancouver
State: BC
Country: Canada

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Leaders Funding Named Best Merchant Cash Advance Service by …

Monday, December 28th, 2015

NAPLES, FL–(Marketwired – November 25, 2015) –, the independent authority on credit card processors, has named Leaders Funding the best merchant cash advance service for November 2015. Each month the independent research team at investigates thousands of services to identify which services produce the most remarkable solutions. The ratings are updated on a monthly basis to account for the latest accomplishments within the payment processing industry.

These services are analyzed through an in-depth evaluation process to uncover which services to showcase in the rankings. While there are thousands of merchant cash advance services, the rankings are comprised of the absolute best the credit card processing industry has to offer. The independent research team analyzes the competing services across five areas of evaluation in order to uncover their overall level of competency in areas including customer support, rates, efficiency, security, and calculation methods.

The recommendations are reassessed each month based on the assumption that the credit card processing industry changes over time. Services are evaluated based on the latest trends and developments most important to clients. Often times the research team at spends time connecting with clients of competing services for a more thorough look.

Leaders Funding has been named the top merchant cash advance service based on a meticulous examination of their offered solutions. The independent research team has named them due to their continued performance and their history of successful payment processing solutions. Those looking for a reliable merchant cash advance solution to meet their specified needs should consider Leaders Funding.

About is a well-known independent authority on merchant services. The key ambition of is to decide and announce those individuals or services offering the best credit card processing solutions all over the world. A specialized team of researchers examine thousands of applicants each month who are seeking to be ranked as a top credit card processing product or service by the independent authority.

Those interested in applying for the rankings can visit:

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Novato faces Dec. 31 deadline to pay state $5.2 million

Monday, December 28th, 2015

The Novato City Council is facing a Dec. 31 deadline to pay $5.2 million to the state.

The council has scheduled a meeting Tuesday to discuss its next move in the dispute with the state#x2019;s Department of Finance. The state says Novato owes the funds because of dissolution of the city#x2019;s former Redevelopment Agency.

The city says it shouldn#x2019;t be required to hand over the funds.

#x201c;It#x2019;ll be the last time the council has to make the decision before the 31st of December,#x201d; said City Manager Michael Frank. #x201c;Everyone is going away for the holiday, there#x2019;s going to be no one to negotiate with at the state. It#x2019;s the last possible time to direct staff cause we didn#x2019;t do that at the last meeting.#x201d;

Since last month the city staff has been in negotiations with officials at the Department of Finance in an effort to come up with an installment payment plan for the amount the state says is owed. The staff was attempting to get a 20-year payment plan but it wasn#x2019;t accepted by the finance department.

The council voted at last week#x2019;s meeting to give the staff a few more days to negotiate a payment plan. If an agreement cannot be reached, the council will provide direction Tuesday on whether to pay the money.

Finance Manager Brian Cochran said the staff has sent a new payment plan proposal to the state and have requested an answer by Monday.

#x201c;So, hopefully, we#x2019;ll have more information,#x201d; Cochran said. #x201c;And at that point, the council could give staff direction to simply keep negotiating, or to pay the $5.2 million, or to simply cancel negotiations, or not pay the $5.2 million and we#x2019;ll live with the consequences based on what the state and council decides.#x201d;

The state dissolved its roughly 400 development agencies, which funded economic development in depressed areas, in June 2011. Before the agencies were dissolved, the city#x2019;s agency paid off roughly $21 million in loans it had taken out from the city over the course of a few years.

In 2013, the state determined that $5.2 million of the agency#x2019;s cash loan repayments were invalid and ordered them to be returned for distribution to its taxing entities, including the school and fire districts.

The city staff say they#x2019;ve been in full compliance and are fighting the state#x2019;s claim with a lawsuit that has a court date set for March.

#x201c;If we lose the lawsuit, we have to pull $5.2 million out of various city funds and write a check,#x201d; Cochran said.

The benefits of moving forward with payment of the funding in question, which has been kept on reserve with the city, is that loans can get reinstated and be paid back over a number of years, according to a staff report.

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Man tells police he has a marijuana pipe: Chagrin Falls

Sunday, December 27th, 2015

Its a marijuana pipe, Sir, the man replied. He also admitted to having a small pill bottle containing marijuana. Two were found and he was cited for both along with the traffic violations.

Disorderly Conduct, Solon Road: An officer used his TASER to subdue an intoxicated man who resisted arrest, struck him in the face and charged at him shortly before 1 am Dec. 13.

Police were called to the scene by a resident of the Citadel after seeing three men loitering in the parking lot. When they arrived officers were told that one man was passed out on the ground. When an officer went to check on him, the man was awake and agitated. He refused transport to a hospital for evaluation, and was instead transported to the Solon jail, where he also had to be restrained.

Suspicious, Riverside Park: After seeing a group of five boys unplug a holiday light display to use the plug to charge their cell phones 7 pm Dec. 12, an Orange Street man yelled at them. They said they felt threatened by the man. An officer arrived and the boys left the area.

Mutual Aid, Pine Street: Officers were called to assist Bainbridge police with a distress call 11:08 pm Dec. 12. A woman called for help while driving her intoxicated boyfriend home. She parked her vehicle when he insisted upon taking over the driving. He calmed down when police intervened and the couple went on their way.

Identity Theft, West Washington Street: Someone took out a cash advance in China on a womans credit card Nov. 26. Phone service was ordered along with a new charge account for a Wisconsin store using the womans personal information. A photo of a female suspect was obtained at the Wisconsin store. Police are investigating.

Identity Theft, West Washington Street: A trip was purchased to the Ivory Coast on a mans Dollar Bank Visa card. The victim filed a police report Dec. 8. The unknown culprit had the victims personnel information along with the credit card number.

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BankCard USA Named Second Best Merchant Cash Advance Service by …

Sunday, December 27th, 2015

NAPLES, FL–(Marketwired – December 08, 2015) – has named BankCard USA the second best merchant cash advance service for December 2015. BankCard USA was selected due to their remarkable performance in the genuine evaluation process. While there are thousands of services competing to be the best, the rankings consist of only the 30 best companies offering a variety of payment processing solutions.

These services are evaluated through a rigorous evaluation process to uncover which services to highlight in the recommendations. While there are thousands of merchant cash advance services, the recommendations are comprised of the absolute best the credit card processing industry has to offer. The independent research team evaluates the competing services across five areas of evaluation in order to uncover their overall level of competency in areas including security, calculation methods, customer support, rates, and efficiency.

To supplement the research the independent research team also connects with customer references provided by the competing services. When interacting with customers the research team delves into the customers overall satisfaction. Feedback from customers is used to better interpret the strengths and competitive advantages of the services being investigated.

BankCard USA has been awarded the rank of second top merchant cash advance service in the monthly rankings at due to their fast customer response times, their comparative performance over previous months, and their dedication towards excellence. It is due to this information that suggests clients of payment processing solutions consider BankCard USA.

About is an established independent research firm focusing on the analysis and ratings of credit card processing services all around the world. The ratings are formulated by the independent research team each month to feature the best merchant cash advance services based on their performance and their rating achieved through the proprietary analysis process.

Those interested in applying for the rankings can visit:

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Sauber F1 team explains why it asked for cash advance

Saturday, December 26th, 2015

Sauber followed Force India in asking Bernie Ecclestone for an advance on its Formula 1 championship payments to prevent its rival gaining a competitive advantage, according to Monisha Kaltenborn.

Force India made its request, which is believed to have been accepted, in October with Sauber and Manor following suit when they were made aware of it.

The requests require unanimous consent from the other teams before Ecclestone can facilitate them.

We saw some of our competitors had done that and that can give you a direct competitive advantage, Sauber team boss Kaltenborn told Autosport.

So we felt that when our competitors had done it, it would definitely make our life easier, so thats why we did it.

If you can make your liquidity easier, of course it helps the company.

We are not in a position where you can say it doesnt matter at all.

Teams receive payments from Formula One Management on a monthly basis based on their historic status and their constructors championship position from the previous season.

These are paid from February through to November, leaving a cash shortfall for December and January when key production takes place.

Were approaching a time which is very cost-intensive and where there is no income coming from FOM, which is a major source of income for teams, added Kaltenborn.

When asked if she was confident Sauber would have its request accepted, she said: I dont see why anybody would be against it considering other teams have got it.

It would not be a nice thing among teams if suddenly one team says no for no reason.

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Saturday, December 26th, 2015 Inc. (NASDAQ: SOHU) Downgraded Target $35

HEFFX have downgraded Sohu with a target of $35.

Sohu is feeling out the market for an cash loan offer from the Chairman/CEO.

Although the terms are yet to be announced it seems Sohu must need $600m for something, and it is willing to entertain the offer.

The scary part of this for investors is the terms of the loan have not been disclosed, but it only makes commercial sense for the CEO to do this under the following circumstances.

The co is broke

The Investors ill get a deep discount


That combined with Sohus lackluster performance should see the company face pressure over the next 6 months.

Invest in the fund that knos China, contact us Inc. (NASDAQ: SOHU), Chinas leading online media, search, gaming, community and mobile service group (Sohu or the Company), today announced that its Board of Directors (the Board) has received a preliminary, non-binding indicative proposal (the Indicative Proposal) from Dr. Charles Zhang, the Companys Chairman and Chief Executive Officer, for an investment by a special purpose entity (the Equity Purchaser) to be formed by Dr. Zhang and a third-party private equity firm to be identified by him.

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