Avoid The Worst Home Selling Mistakes

As an individual ages, a certain quantity of memory loss and confusion is rather typical. Personally, I`ve been known to conjure up the cliché, “The older I get, the better I was!” Alzheimer`s illness represents a more severe loss of psychological sharpness and calls for unique care for elders.

Memory Troubles

Alzheimer`s Disease is a progressive form of pre-senile dementia. Signs are typically very first noticed in an individual`s late forties or early fifties. As the illness starts, it will initially impact memory. Impaired ideas and speech will follow with the patient ultimately ending up being helpless.

Alzheimer`s is a genuinely awful illness since it robs an individual of their ability to function. The illness is also damaging to family and friends as it is very difficult to see a mom or dad, sibling, sister or pal regress to the point where they don`t acknowledge anybody. The burden of taking care of an individual struggling with Alzheimer`s is substantial. At some point in time, a household will need to look for assistance with the care.

Many “board and care” and “assisted living facilities” are willing for and capable of offering an individual struggling with Alzheimer`s. These facilities are similar to nursing homes, but with less of an institutional atmosphere. If, nevertheless, a senior becomes significantly disoriented, possibly even sometimes straying, they may need a center with a dementia waiver.

Despite the name, a “dementia waiver” is an indicator that a center and personnel have extra training and licensing for the care of clients with dementia. On top of the extra training, the actual center may be protected with a perimeter to keep residents on the premises. Alzheimer`s illness leaves a mark on family and friends in addition to the victim. There are, nevertheless, facility alternatives that can at a minimum take the care concern off of you. For those in the Masonic Lodge one option is this: -   They operate for Masons via Masonic donations: -

Summing it All Up

Alzheimer`s illness represents a more severe loss of psychological sharpness and calls for unique care for elders. The concern of caring for an individual suffering from Alzheimer`s is substantial. Many “board and care” and “assisted living facilities” are willing and capable of offering for an individual suffering from Alzheimer`s.

What are Push Payments and why are they potentially a better option than credit cards?

Think about checking out out online at Staples. In every scenario Staples (ApplePay etc) charges your credit or debit card and “pulls” (called a debit) money from your debit or credit card. (“debit card” and “account debit” are completely different).

You might assume that money you charged from your purchase goes directy from your credit card to Staples’s bank account. What actually happens is that the payment processor Staples has partnered with receives those sale $ and then in turn pays out Staples’s bank account via an ACH payment credit (by credit we mean Staples receives the $ from another entity via their checking account). There is always a bank or payment processor middle man acting as both the checkout proceeds receiver and paying out the end merchant (Staples).

Every sale that Staples processes could potentially result in a chargeback. An example would be the item arrived damaged and you could not get a refund. You might call your card company or use their online portal to challenge the debit, explain the situation and see if they will credit your money back.

Someone could have used your credit card fraudulently. If this happens your credit card company or the issuing bank  (they “issued” your credit card) pulls the money you paid back from Staples’s payment processor (the acquiring bank). The acquiring bank, again acting as the middle man in turn, pulls that money from the Staples bank account.

Staples and all mainstream retailers are very good at managing chargebacks and fraud. But think about a business selling higher risk products or services, eg Adult or telemarketing, psychic readings etc. You can see the chargeback risk (and fraud risk) become elevated. Businesses and processors (mostly 3rd party processors) can and have lost BIG money from chargebacks from poor product fulfillment and fraud (both friendly and malicious).

Fundamentally the chargeback risk occurs because someone reached (eelctronically) into your account and pulled money out. You as  the consumer have recourse for unauthorized debits as well as disputing fulfillment or the merchant’s right to debit. 60 days is a common dispute window time frame although fraud extends this time frame much longer.

So how do you completely remove this risk of payment chargebacks?

The solution is to reverse the payment originator and eliminate the need for a merchant account. Essentially the consumer initiates a push payment from their bank account. There is no Merchant Account whereby a payment processor receives the sale proceeds from the consumer and in turn (24-48 hours later) funds the business.

An example would be a property management application that enables rent collection. Using Yodlee/Plaid/Finicity etc, the platform enrolls the tenant by having them “connect” their bank account. This is done via a “lightbox” that pops up and asks the consumer to log in their online bank account.

Once done the property management application can check balance, payment history etc. They can also  future check bank account balance before a debit, thereby reducing NSF risk.

New technology takes this one-step further and once the consumer connects their bank account they are then presented with an option to push or send the payment from their bank account. This PushPayments run on the same network as Zelle or PopMoney network rails and uses Real-Time Payments (RTP).

***Note: PushPayment Solutions  we are discussing are geared toward US based non face to face transactions. PushPayments do have a use case for Point of Sale transactions.

 Payments are final when completed and cannot be reversed.

This instant settlement eliminates payment failures due to insufficient funds, which is relatively common in the  ACH world. When a business uses ACH processing to debit a customer’s bank account for a regular payment and that bank account doesn’t have the requisite funds, their bank sends the ACH network notice that the debit was returned NSF. This NSF notice cab come back 72 hours from the payment being processed. Because RTP are creditor push payments, there is no risk of payments failing due to insufficient funds.

Your bank won’t let you send money you don’t have in your account so payment declines are eliminated as well, meaning no NSF.

The technology also eliminates the need for a merchant account. As long as a business has a bank account they can receive push payments from their customers.

PushPayment solutions or Consumer Permissioned Payment Solutions connect the consumer’s payment directly to the business bank account.

PushPayment FAQ’s

• Does it really eliminate chargebacks? Yes-the consumer is providing express permission to pay for an item or service
• Can anyone pay via PushPayments? Anyone can provided they use a bank that participates in the RTP network and the entity being paid also has a bank in network
• Are there prohibited businesses? There are high-risk business types that are ineligible. This includes adult, credit repair, basically the usual suspects that typically must rely on high-risk merchant accounts. Crypto and legal betting ARE eligible. All businesses must be US domiciled.
• What does it cost? Typically 50 cents to a $1+.
• How do I sign up? To start we would have a conversation about your business. If everyone agrees you complete an application (similar to a merchant account). Because the risk involved is mitigated by finality of payment and certainty of good funds the primary risk concern is reputational. Eg “Could your business damage the reputation of either the banks involved or your Push payment tech partner”?

To be able to use PushPayments as a payment channel both you and the paying customer need to have a bank account at an in-netwrok bank that participates in the Real-Time Payments network. If you have used Zelle or Pop Money the payment rails are the same for PushPayments.

For more info visit AgilePayments.com/PushPayments

Many people choose to do the wrong thing and disregard their financial difficulties. This article can help you a lot of ways on how to be in control of your budget. Start getting a hold of your finances today!

This will help you to save a little money much better each month. This approach is ideal for something like a special occasion in the near future.

• Try negotiating with your debt collectors who are trying to get you to make payments. They probably bought your debt off for a discount. They will make a profit even if you pay a very large amount. Use this knowledge to your advantage to avoid paying off old debts.
• Replace old incandescent bulbs with high-efficiency CFL light bulbs. This will help you save the environment money on your electric bills significantly.CFL bulbs should last much longer than traditional light bulbs. You will also save money because you have to buy fewer bulbs over time.
• Find a bank that is free.
• If you’re under 21 and you desire to have a credit card,you should know that things have changed recently. It used to be that credit card. Research each card’s requirements before applying.
• Ensure that you’re paying your utilities on time! Paying bills late could ruin your credit. You may also be charged a late fee,adding to your bill.Paying your bills in a timely manner will help you gain control over your money wisely and avoid costly fees and complications.
• Even if you have a solid financial plan and budget,you can run into unexpected financial issues. It is a good idea to become familiar with the late fee is and how many days you can be late.
• If you pay attention to your cash,pay attention to your cash flow. Keep track of your income and expenses to assess your investment’s performance each month. Make sure that you establish a solid budget in mind and stick to it.
• Avoid ATM fees by using the ATM of your own bank’s ATMs. Financial institutions often levy hefty per-transaction and monthly fees for using the ATM of other banks,and those can build up fast.
• This reduces the likelihood that you will forget to make a late payment. This will allow you budget more easily and allow you to stay away from incurring late fees.
• By getting the information right for you and using it for your money situation,you can be more ready than you were before. You will improve your personal financial situation and pay off debt a step at a time.
• I hope all these tips got you some help to save some money each month. Money you can spend on financial charity such as Fixcash.