Tuesday, November 15, 2011

Credit Card Processing

Ever given any thought to what happens during a credit card transaction immediately after you swipe your card? It’s not all smoke and mirrors, but rather a highly-secure, high-tech process that transpires in mere seconds. In a nutshell, Merchant Account® presents Credit Card Processing 1.0.

Credit Card Processing begins with a card swipe (or, alternatively, with the manual entry of data on a website payment page or a PIN pad) by the customer or merchant. The credit/debit card account number, sale total and merchant ID number are transmitted electronically and simultaneously over the merchant’s credit card processor’s network. Companies like Merchant Account® that provide credit card processing services are known by several names: credit card processors, merchant services providers, processors and acquirers.

Once the transaction clears the processor’s network, it’s sorted by card brand and routed to the proper credit card computer network — MasterCard® transactions to the MC network, Visa® to Visa, and so on. From there, the transaction is routed to the bank that issued the card, which is responsible for checking the account to make sure the customer has adequate credit to cover the transaction charges. If so, the bank authorizes the sale and notifies the merchant over the network. The merchant issues a receipt to the customer, who leaves with their merchandise. But the sale is not yet complete.

Each day at the close of business, the merchant must send all that day’s charges through the merchant services provider to the credit card processing network. This is known as batch processing. Individual transactions are sorted out by issuing bank and sent on to the banks, which debit the cardholders’ accounts and pay the processor through the Federal Reserve’s Automated Clearing House (ACH).

The credit card processor, in turn, credits the funds to the merchant’s account. This part of the process can take up to two days. The processor charges fees, typically on a monthly basis, to the merchant account, although sometimes this is done on a per-transaction basis. The fees encompass payments to the issuing banks, the credit card networks and the processor for services rendered.

All merchants who accept credit cards must first establish a merchant account, which is the basis for credit card processing. This account is strictly between the merchant and the credit card processor and is totally separate from any other bank accounts the merchant may own.

If you’re interested in adding credit card processing to your business, Merchant Account can help. Contact a sales representative today to get started.

Sunday, November 13, 2011

How To Save On Your Merchant Accounts Fees

With debit swipe fee reform now implemented, retailers nationwide are anticipating saving on the interchange portion of their merchant accounts fees.  Preliminary data indicates that millions of dollars in charges may be coming their way.

The Durbin Amendment to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 went into effect on October 1, 2011. Under it, the Federal Reserve capped the interchange fees banks can charge on debit card transactions at 21 cents, plus 0.05 percent of the transaction. Issuers are also allowed to charge an additional penny per debit transaction to offset their fraud prevention costs. The new average swipe fee for a debit card purchase is 23 cents, compared to the pre-Durbin average of 44 cents.

It’s important to note that the legislation applies only to Visa® and MasterCard® debit cards (not credit cards), and only to banks with more than $10 billion in assets. It caps the interchange fees that the banks charge, but does not apply to third-part processors, who can charge whatever they want to their merchant accounts customers.

“As an industry, we’re really pleased that the new rules have now taken effect,” Connecticut Retail Merchants Association President Timothy Phelan recently told the Hartford Business Journal. “We really won’t know the true benefit until the retailers get their statements.” Phelan added that he expects that merchants, in time, will pass along any savings they receive to their merchant accounts customers.

The business journal reported that Connecticut merchants could expect to save about $260 for every $100,000 in Visa and MasterCard debit charges they process.

In the months leading up to its enactment, the Durbin Amendment prompted an epic battle on Capitol Hill that pit credit card-issuing banks against merchants and their associations. The banks argued that they would lose billions of dollars in revenue from lower fees — income they threatened to recoup by charging debit card customers monthly fees to use their cards. Several major banks, including Bank of America, Wells Fargo and J.P. Morgan Chase, dropped that idea after cardholders rebelled and threatened to close their accounts.

For now, retailers are waiting for their first post-Durbin Amendment merchant accounts statements to arrive to see how they’ve fared under the new rules. If they have questions regarding their savings, they should discuss them with their merchant services provider representative.

Friday, November 11, 2011

Why It Pays To Accept Credit Cards

 

accept credit cardsOne of the biggest challenges for a small business is competing with larger businesses with greater resources. One proven strategy for leveling the playing field is to accept credit cards. After all, 78 percent of American consumers own a credit card, and 80 percent own a debit card.¹ That’s a huge market that no merchant can afford to ignore — especially small businesses who don’t plan on remaining small for long.

Small businesses that start to accept credit cards benefit in a variety of ways. Most obviously, they immediately become an option for patrons who prefer to pay with plastic. In their eyes, seeing the logos of the major credit cards in a merchant’s shop or on their e-Commerce website means that merchant is in the same league as much larger retailers. Since most small businesses strive to offer the superior customer service that the Big Boys often can’t or won’t, it’s a no brainer that they should expand their payment options to include the debit and credit cards consumers use so frequently.

Secondly, the convenience of credit cards cuts both ways. Consumers appreciate swiping their card and cutting the transaction time to just seconds so they can be on their way. But merchants benefit, too. Shorter transaction times mean they can serve more customers more efficiently. And, at the end of the day, merchants can send all their transactions in one batch to their credit card processor for electronic settlement, knowing that within days the proceeds will land in their account.

Credit card processing with a reputable merchant services provider like Merchant Account® is a very secure operation. State-of-the-art encryption technology keeps cardholder and account information safe, as does our PCI-compliant electronic payment gateway Transaction Express™. Whether a merchant accepts credit cards with a countertop terminal, an online virtual terminal or in the field with our mobile PayFox® service, the transaction is protected from fraudsters and identity thieves.

Merchants who accept credit cards also usually see an increase in sales. The reason is simple: Credit card shoppers tend to spend more than shoppers who pay with cash or a check. Impulse buying and upgrading to a higher level of merchandise are both possible when the shopper taps a line of credit instead of a wallet to pay.

Finally, there are savings to be realized from accepting credit cards. Merchants spend less time making bank runs and processing paper checks. New credit card processing options like wireless and mobile mean that merchants who deliver services or products to customers’ homes or businesses can collect right then and there, foregoing the time-consuming and expensive billing and collection process.

Today’s credit card processing is fast, convenient and safe, and the many options available give merchants the opportunity to work with a merchant services provider to design a package that meets all their requirements. For small business, being able to accept credit cards is the smart way to go and grow.

¹   Source: “The Survey of Consumer Payment Choice,” Federal Reserve Bank of Boston, January 201

Why It Pays To Accept Credit Cards

It Pays Off For Small Business To Accept Credit Cards

accept credit cardsOne of the biggest challenges for a small business is competing with larger businesses with greater resources. One proven strategy for leveling the playing field is to accept credit cards. After all, 78 percent of American consumers own a credit card, and 80 percent own a debit card.¹ That’s a huge market that no merchant can afford to ignore — especially small businesses who don’t plan on remaining small for long.

Small businesses that start to accept credit cards benefit in a variety of ways. Most obviously, they immediately become an option for patrons who prefer to pay with plastic. In their eyes, seeing the logos of the major credit cards in a merchant’s shop or on their e-Commerce website means that merchant is in the same league as much larger retailers. Since most small businesses strive to offer the superior customer service that the Big Boys often can’t or won’t, it’s a no brainer that they should expand their payment options to include the debit and credit cards consumers use so frequently.

Secondly, the convenience of credit cards cuts both ways. Consumers appreciate swiping their card and cutting the transaction time to just seconds so they can be on their way. But merchants benefit, too. Shorter transaction times mean they can serve more customers more efficiently. And, at the end of the day, merchants can send all their transactions in one batch to their credit card processor for electronic settlement, knowing that within days the proceeds will land in their account.

Credit card processing with a reputable merchant services provider like Merchant Account® is a very secure operation. State-of-the-art encryption technology keeps cardholder and account information safe, as does our PCI-compliant electronic payment gateway Transaction Express™. Whether a merchant accepts credit cards with a countertop terminal, an online virtual terminal or in the field with our mobile PayFox® service, the transaction is protected from fraudsters and identity thieves.

Merchants who accept credit cards also usually see an increase in sales. The reason is simple: Credit card shoppers tend to spend more than shoppers who pay with cash or a check. Impulse buying and upgrading to a higher level of merchandise are both possible when the shopper taps a line of credit instead of a wallet to pay.

Finally, there are savings to be realized from accepting credit cards. Merchants spend less time making bank runs and processing paper checks. New credit card processing options like wireless and mobile mean that merchants who deliver services or products to customers’ homes or businesses can collect right then and there, foregoing the time-consuming and expensive billing and collection process.

Today’s credit card processing is fast, convenient and safe, and the many options available give merchants the opportunity to work with a merchant services provider to design a package that meets all their requirements. For small business, being able to accept credit cards is the smart way to go and grow.

¹   Source: “The Survey of Consumer Payment Choice,” Federal Reserve Bank of Boston, January 201

Thursday, October 13, 2011

How To Choose Dog Carriers

Does your pet dog like running around your house? You can consider getting dog kennels for your dog then. Since oftentimes, you'd end up not knowing where they are and wish that you didn't just let them run around in the first place. It's like a fence where you can let your dog stay while preventing them from straying too much. It will definitely help and assist you to keep your dog in check.

Dog Crates come in different sizes and designs, which mean that some come in small or big kennels. If you are considering buying these for your dog, and then you'll have to think about how big it will be and where you will put it. The size is essential because if your dog is big, then you should get a size that will suit them since they'll need extra space to move around in. It is also important to think about where you'll want to put it because your dog might not be comfortable if it's somewhere in the garage. Usually, most people put it somewhere near the garage but on the grass so that the dog may feel comfortable.

Since dog kennels are like fences for dogs, it will usually be bigger so that the dog can run while inside it. That way, you wouldn't really have to worry about them if they're running inside it because you know that they're safe inside. Keep in mind that your dog's safety and well-being is a priority for most dog owners, which is why they get top quality items for their dogs' needs. Pet owners buy and get all the necessary items for their dog because they want to show that they care about them. Pets would often feel and know how their owners feel about them by seeing the things that their owners do for them.

Remember, in choosing dog crates for your pets, consider the quality of it and make sure that you're getting great quality because it'll be part of your pet's home. Place it around an area that they feel comfortable in and make sure that it's big enough for them to run around in. Also, make sure that it has a lock so that they won't easily get out of it and eventually stray. Remember, your pet's well-being is important which is why you should only consider choosing top quality kennels for your pet's needs.

Some Great New Dog Beds Online

Your pet pooch does so much for your family that appreciation should not only be shown by how they are fed or taken care of but also where they rest, and this is where dog beds come in. Beds for dogs come in many shapes, sizes and forms, some being more exotic than others. For those who are buying for the first time, finding the perfect bed for your dog can be quite challenging, if not, daunting. With thousands of selections available in the market, how will you know that what you're looking at is the right one? Need help? The tips below may be of some assistance.

First off, you'll want to determine the size of the bed. This is easily determined by measuring your dog in both length and height will do. But what if your pet is still in its growing stages? Well, you can choose a slightly bigger bed, but take note that you may still end up buying a new one if he is able to outgrow it. Don't choose an adult sized bed for a pup as he may only feel uncomfortable with it.

Secondly, and if possible, you'll want a bed that you can reuse over and over again. Make sure that if the bed itself is not washable, the covers can at least be removed for cleaning. This will ensure that your dog stays clean and feeling fresh all the time, not to mention that it can make the bed look so much more inviting to sleep in for your dog.

Third, consider the essential accessories. For colder seasons, get an accompanying blanket to go along with the bed. What's even better is that for as long as you are willing to spend the time searching, you'll actually be able to find dog beds that already include a blanket with the deal. Whether you buy them individually or as a pair, blankets are essential accessories that you should take into account so make sure you spend some time checking them out.

Last but not the least; buy beds that will suit your dog. If your pooch is not really particular with whatever design you get then this won't be an issue. There are instances however where your pet will tend to set its preferences over a particular design or style which is why you may want to bring him along when shopping for dog beds. This will ensure that he's going to be happy and comfortable with what you'll be getting for him.

Monday, September 26, 2011

Are Business Loans Now Easier To Get?

The news regarding business loans has been anything clear over the last several months.  We have been hearing that Government backed business loans would be readily available since the passing of the Small Business Jobs Act of 2010.  So what is really going on, and what can small business owners expect to find in the marketplace.

The truth seems to be that while SBA restrictions have eased regarding the cost to apply for business loans and the percentage of amounts of the loans they will guarantee has increased, little has been done to help borrowers understand whether or not they will qualify for loans.  Easing restrictions and lessening the risks for lenders to encourage them to lend is just one part of the equation.

The part that really matters is that these same lenders who have easier access to funds are now being held to higher standards with regards to how they distribute the money.  Before 2008, banks would do just about anything to push loans through with little concern for a borrower’s ability to pay back money or if their businesses were credit worthy to begin with.  We have already seen the consequences of such lending practices and the banking industry has recovered nicely due to the bailouts.

But things have changed and banks are now being held responsible for vetting their applicants and pushing through every applicant is simply not happening anymore.  You may not infer this from the headline news stories we see about small business owners being eligible for all types of loan programs designed to jump start the economy, but there is no reason to believe that Government backed money is out there for everyone.  SBA Loans are only for those who are attractive applicants, and while this is exactly how it should be, it does not really help those who have been treading water since 2008 and sacrificing their good business credit in order to do so.

The good news for the economy is that more and more people are looking to borrow money.  This is a key indicator on the state of economic conditions and shows that things are looking up.  On a larger scale, commercial mortgage lenders are reporting an increase in demand for capital and community banks are reporting a rise in requests for small business finacings.  So the overall picture is definitely positive, but for the little guy looking for a break, nontraditional lenders are going to be the best option.

Small business owners have been turning to unsecured business loans from companies like Seed Capital for years.  The availability of such business loans has remained constant through good economic times and bad ones.  Unlike SBA Loans, these particular loans do not come with restrictions regarding the way proceeds are allocating and the fact that they can be used to pay down current debt is particularly appealing to borrowers in the current economic atmosphere.  The application process is much quicker and in the majority of circumstances will be absolutely free.  So for anyone struggling with decisions about borrowing, they should consider these type of business loans as a very viable option.

Thursday, September 22, 2011

Credit Card Processing And Durbin's Amendment

In just over a week the Durbin Amendment goes into affect targeting credit card processing fees.  It has been a long time coming but will it provide the relief that it is intended too?  The common belief is yes but if we dig a little deeper, questions will arise.

The whole thing started as a result of the credit crunch which rocked the economy in 2008.  Last year the Dodd-Frank Act was passed which attempted to reel in financial regulations which Wall Street sorely lacked.  This new Amendment focuses on Credit Card processing fees which of late, have become overly burdensome for small business owners.  The fees they must pay to their merchant account providers is dipping into their profits and must ultimately passed on to consumers.

To make a confusing piece of legislation as simple as possible, let us define a generalization for the entire Dodd-Frank Act as it applies to humans.  It was simply a reaction to the credit crunch of 2008 and contains what is considered to be the most drastic attempt at policing financial regulation ever.  Whether it works or not or is simply nothing more than political posturing is yet to be determined but we will only concern ourselves here with the Durbin Amendment to Dodd-Frank.

This Amendment is focused on credit card processing, mainly debit cards and how big banks have been muscling merchants and forcing them to accept less than competitive merchant services because of their sheer size and power.  Currently, big banks are able to impose penalties on merchants for giving customers incentives to pay by cash or using other payment networks to pay for items.

As consumers we often believe the price of something is what we pay for it but it is a little more complicated than that.  Merchants must pay transaction fees to accept credit cards and these fees dip into their profits when accepting a credit card as opposed to cash.  This is why there are always little signs on the register telling us that we must spend a minimum for a merchant to accept credit cards, or sometimes they tell us that it will be a dollar or so surcharge before they swipe our card.  This money does not go to the merchant, but the merchant services provider.

In a lot of cases a merchant has to declare a minimum or even maximum sale to avoid the pitfalls of they may face from their merchant services provider and the Amendment aims to stop this.  Merchants are even penalized for loyalty programs, accepting checks and processing gift cards so this legislation was needed to provide relief for merchants drowning in fees.

The Durbin Amendment clearly states the maximum a merchant services provider can earn on a transaction and for those keeping score it goes like this.  For a debit card transaction highest interchange fee an issuer can charge 21 cents plus a max of 5 basis points multiplied by the amount of the transaction.  This Amendment also focuses on interchange, which simply put, is the fee a merchant's bank has to pay to its customer's bank to pull the money due from the customer's account. 

The intent of the Durbin Amendment is to bring direct relief to merchants but many critics say the banks will resort of other tactics to make up the lost revenues.  We have already seen the disappearance of debit rewards programs for consumers and the days of free checking accounts are all but gone.  An assortment of new fees we have never even heard of will undoubtedly pop up on or about October 1st so while there are major changes around the bend for credit card processing, ultimately we will have to watch the spending behavior of consumers to gauge its success.

Tuesday, July 12, 2011

Lifestyle Lift is a Neck Lift Without Surgery

My recent post about a neck lift without surgery caused me a lot of grief around Uberazzi so I really need to clarify my position on the neck lift. First, Lifestyle Lift is the name of the surgical we all hear about and the Neckline Lift is the new As Seen On TV neck lift without surgery product I was wanting to make fun of. The only thing was that when I saw the corny Neckline Lifts infomercial I actually liked the product.

It is pretty much my passion to make fun of all the silly things people do in Hollywood for vanity and I planned to jump all this neck lift without surgery fad as it ripped through L.A. but that dumb infomercial made me begin to pay attention to just how much demand there was for Neck Lift Surgery. I knew about the run of the mill face or brow lift and I'm a big proponent of Hair Transplants as long as the expectations are reasonable but I was baffled by the neck lift.

But as I started writing jokes for my post, I began to see the benefit of how simple the Neckline Lifts were and how much pain and money they could save people because I'm not seeing tremendous results from the actual Lifestyle Lifts surgery. In Beverly Hills a neck lift will run you over $8,000 and there is no hiding the fact that you've done it. As with any surgery there is a recovery period and no matter what anyone says, there will be at least minor pain involved.

My theory is that if we could all see what we would look like after the Lifestyle Lift, most of us wouldn't even bother with the procedure. This was my main point. I wasn't knocking cosmetic surgery. I love cosmetic surgery, especially the bad kind. There is nothing better than seeing some lady walking down Rodeo with giant sun glasses and huge duck lips just thinking she's cheated Father Time with her Gold Card and special relationship with Dr Whoever. It's hilarious. But really not necessary.

And here is why. I'm sure there are many cases where the Lifestyle Lift surgery is really the right answer for a patient and the surgeon performing it can really change their lives. But, for most people it is not corrective or life changing. It's a little whim of a surgery that they believe will make them look better. But most of us look fine and and the change will be so very slight we will just think we notice. And, I'm not about surgery for that reason. Well, at least until you've thought it through.

If you can invest $9 in Neckline Lifts instead of $8,000 for Lifestyle Lifts you can figure out what you may look like after a procedure and play around to find your best look. Often times when we go for a consult, the surgeon tells us what we want to look like based on what he can do. We need to have our own understanding of what we want and then find out the surgeon can do. If they say they can't do it, don't get talked into their plan. Either find another opinion or accept that you are not a candidate for the type of procedure you want.

So being who I am professionally, I encourage you all to go out and get bad cosmetic surgery that you can't afford so I can make fun of you. But as a person I would prefer that you got Neckline Lifts and tried a neck lift without surgery before you did anything costly, painful and drastic.

Lifestyle Lift is a Neck Lift Without Surgery

My recent post about a neck lift without surgery caused me a lot of grief around Uberazzi so I really need to clarify my position on the neck lift. First, Lifestyle Lift is the name of the surgical we all hear about and the Neckline Lift is the new As Seen On TV neck lift without surgery product I was wanting to make fun of. The only thing was that when I saw the corny Neckline Lifts infomercial I actually liked the product.

It is pretty much my passion to make fun of all the silly things people do in Hollywood for vanity and I planned to jump all this neck lift without surgery fad as it ripped through L.A. but that dumb infomercial made me begin to pay attention to just how much demand there was for Neck Lift Surgery. I knew about the run of the mill face or brow lift and I'm a big proponent of Hair Transplants as long as the expectations are reasonable but I was baffled by the neck lift.

But as I started writing jokes for my post, I began to see the benefit of how simple the Neckline Lifts were and how much pain and money they could save people because I'm not seeing tremendous results from the actual Lifestyle Lifts surgery. In Beverly Hills a neck lift will run you over $8,000 and there is no hiding the fact that you've done it. As with any surgery there is a recovery period and no matter what anyone says, there will be at least minor pain involved.

My theory is that if we could all see what we would look like after the Lifestyle Lift, most of us wouldn't even bother with the procedure. This was my main point. I wasn't knocking cosmetic surgery. I love cosmetic surgery, especially the bad kind. There is nothing better than seeing some lady walking down Rodeo with giant sun glasses and huge duck lips just thinking she's cheated Father Time with her Gold Card and special relationship with Dr Whoever. It's hilarious. But really not necessary.

And here is why. I'm sure there are many cases where the Lifestyle Lift surgery is really the right answer for a patient and the surgeon performing it can really change their lives. But, for most people it is not corrective or life changing. It's a little whim of a surgery that they believe will make them look better. But most of us look fine and and the change will be so very slight we will just think we notice. And, I'm not about surgery for that reason. Well, at least until you've thought it through.

If you can invest $9 in Neckline Lifts instead of $8,000 for Lifestyle Lifts you can figure out what you may look like after a procedure and play around to find your best look. Often times when we go for a consult, the surgeon tells us what we want to look like based on what he can do. We need to have our own understanding of what we want and then find out the surgeon can do. If they say they can't do it, don't get talked into their plan. Either find another opinion or accept that you are not a candidate for the type of procedure you want.

So being who I am professionally, I encourage you all to go out and get bad cosmetic surgery that you can't afford so I can make fun of you. But as a person I would prefer that you got Neckline Lifts and tried a neck lift without surgery before you did anything costly, painful and drastic.

Monday, March 28, 2011

Perfect Punch MMA Reistance Training System

Looking for an effective at-home workout that will give you the body and stamina of a professional athlete? Then look no further than Jay Glazer's Perfect Punch. This incredible system is the ultimate fat-furning workout that will help you punch your way to a perfect body in just a few minutes each day. Order Perfect Punch now and receive Perfect Punch training gloves, Jay Glazer's Pro MMA Workout DVD and an Xtra Advanced resistance band for just $29.99 plus shipping and processing!

Burn Fat and Get Ripped with Perfect Punch!

The idea behind the Perfect Punch program is that the resistance training helps you to develop speed technique and explosive power that will amaze you.  The heavy duty bands allow you the full benefits of Perfect Punch's Progressive Resistance Technology which allows you to toughen the resistance as you practice the striking motion. This ultimately makes you stronger and faster without the expense of having to hire a personal trainer or join a gym.

Punch Your Way to a Perfect Body!

Perfect Punch training gloves also feature a Form Feedback Strip on them which give you instant feedback so that you can insure you are using perfect technique. In addition, the comfort foam-plus elastic chest strap keeps the band in place on even the hardest punches so that you don't have slow down or break your rhythm. The MMA athletes that Jay Glazer has trained using this program swear by Perfect Punch and say that it is the ultimate way to burn fat and get ripped!

 

Learn more about
Perfect Punch today!

Hard Water Wand New As Seen On TV Scrubber

Hard Water Wand As Seen on TV

The Hard Water Wand As Seen on TV by Anthony Sullivan will make stubborn, embarrassing toilet stains disappear like hard water wandmagic!  The secret is the imported volcanic pumice stone that is tough on stains but super gentle on porcelain.  The extended reach comfort handle means you never have to touch the dirty water. Hardwater Wand will remove tough stains like calcium, lime, rust and hardwater.

 

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DOUBLE BONUS OFFER

Order Now and Get 2 Hard Water Wands PLUS 2 self-stick hanging hooks all for just $9.99.  This exclusive offer is not available in stores.  (A $25 value!)   Buy one for you and give one to a friend, or keep one in each bathroom.  Take advantage of this offer and order now! 

Sunday, March 27, 2011

Dress Up Your Credit To Get A Business Loan

It is fairly common knowledge that excessive inquiries on a credit report will have a negative impact on one’s credit.  But there is a widespread misconception as to why the inquiries are considered negative, especially as it relates to the business loans underwriting process.

The universal belief is that each inquiry causes a small one to two point reduction in the FICO and thus, having a large number of inquiries will result in a significant aggregate point reduction.  Although true to some extent, most times when individuals have their credit accessed frequently in a short period of time, it is as a result of shopping for the best rate for an automobile or home loan.  In these cases, such “same industry pulls” as they relate to the FICO score will only count as one pull.  Several years ago, Congress passed a bill that required the credit bureaus to recognize that just because a consumer was shopping for the best rate on a large ticket item, they should not be penalized for being financially responsible and searching for the best deal possbile.  As such, most debt instruments will not decline an application due to excessive inquiries, however, this is far from the case regarding business loans, especially unsecured business loans.

In the unsecured business loans underwriting process inquiries are examined on two levels: amount and type.

  • Amount – The number of inquiries on a potential applicant’s credit report are an important factor in underwriting business loans as it typically demonstrates just how much “shopping” for credit that person has done before submitting the most recent application.  Business loan underwriters detest inquiries because they represent hidden financial landmines.  Each prior inquiry means that the applicant has applied for credit with other lending institutions, therefore, there is simply no way the underwriter can determine which of those inquiries will ultimately become new debt on the applicant’s credit over the next several weeks.  Due to the fact that new accounts typically take 30-60 days to begin reporting, inquiries create an unknown variable in the business loan underwriting process that will cause applications to be declined.

Seed Capital maintains a database of all business loan lenders in the nation and understands what bureau each bank will pull and what each bank’s individual inquiry threshold guideline is before it will decline for excessive credit reviews.  This allows Seed Capital to assist its clients in designing a methodical and surgical business loan application strategies taking into consideration exactly what banks and order in which to apply.  This is one of the key contributors to the 98% successful business loan approval rate for clients that utilize Seed Capital’s business loan application consulting.

  • Type – In the business loans underwriting process, just as important as the number of inquiries of a potential applicant are the types of inquiries.  Obviously if an applicant has a large number of car loan or mortgage pulls, that will typically not spook a business loan underwriter as it is a reasonable assumption that the individual was shopping for the best rate and those inquiries most likely will result in a new car or home loan which are considered extremely low risk debt.  However, due to the fact that most initial underwriting is done by a computer application, these digital underwriters will not take into account the type of inquiries, only the sheer number.  Therefore, regardless of the reasons for the inquiries, a computer will decline systematically if a certain threshold is reached.  This is why it is extremely important in understanding how to have the application reviewed by a human business loan underwriter whom can override the computer’s decision should the inquiries be for non-unsecured debt instruments.

On the other hand, once a human underwriter reviews the credit and sees numerous inquiries for unsecured business loans or unsecured credit in general, that will weigh heavily on the underwriting decision for a business loan.  Banks are highly fearful of being the last lender to the party.  The last thing a business loan underwriter wants to do is grant another $20,000 approval when the applicant has already been approved for another $100,000 that is not yet reporting to the applicant’s credit report.  This is why underwriters will systematically decline a business loan application for too many recent inquiries and tell the application to reapply for the business loan in 6 months; the safe time period to allow any new credit to start reporting and to make sure the applicant will not overextend themselves with that new credit.

Inquiries are the very reason you have one shot at designing a systematic business loan application strategy.  All too often we have clients come to us that have tried to apply for business loans on their own without the in-depth knowledge of managing inquiries that Seed Capital offers.  And like clockwork, these clients have racked up numerous inquiries and been declined for a majority of their business loan applications.  At that point all we can do is tell them the same thing the underwriters have been telling them; “try again in 6 months.”  Don’t make the mistake of fooling yourself you can navigate the unbelievably complex world of business loans with the same degree of achievement as Seed Capital with its unparalleled understanding of the business loan underwriting world.  Put your faith in Seed Capital and we will guarantee your business loan results with a 98% success rate.

Sunday, March 13, 2011

Mighty Bite: The Best Fishing Lure System Around

Mighty Bite - The Best Fishing Lure System Around!

If you or someone you know likes to spend their leisure time fishing, then you have to immediately get the Mighty Bite fishing lure system. It is not available in stores and you can only purchase it through this special internet offer. And for a limited time, you can get the 100-piece Mighty Bite Fishing Lure System for just $19.95. As a special bonus, you will also receive Jeff Mancini's exclsuive EZ Fishing Guide for FREE.
Mighty Bite is the Future of Fishing

The amazing Mighty Bite fishing lure is designed to work for all predatory fish and is the only lure that looks, sounds, tastes, moves and smells like a wounded batifish. It features an incredible spasmic action that gets fish to strike and strike often giving you the best possible chances for a successful fishing adventure. It also creates a powerful scent trail that will lure the fish right to you.
The Only Proven 5-Sense Fishing Lure

Mighty Bite is the only fishing lure on the market that appeals to all five senses - sight, sound, smell, feel and taste. This makes it almost impossible for fish to ingore the only lure that swinms like a wounded bait faish. In addition, it has a unique bite-mark design and features an awesome 3D hologram design. Jeff Mancini, the designer of Mighty Bite, is so sure that you will be happy with the Mighty Bite that he offers a full 90-day money-back guarantee - no questions asked!

The Mighty Bite package includes:

    10 Mighty Bite™ Lures
    12 Adjustable Mighty Bite™ Fins
    12 Rattles that "Sounds the Dinner Bell"
    12 Unique Mighty Bite™ Scent Sticks
    PLUS Weed Guards, Popper and Tail Weights,
    No-Miss Deadly Treble Hook

Potty Patch: Let Your Pet Go When He Needs To!

Potty Patch - Let Your Pet Go When He Needs To!


Man's best friend is much like man himself....when you gotta go, you gotta go! Don't make your pet miserable and don't dread coming home to a mess. Just pick up a Potty Patch indoor pet potty pad and say goodbye to unwanted and unnecesary messes. The gadget is designed to give your pet a comfortable and sanitary place to go to the bathroom when they just can't make it outside. Order the Pet Potty today for just $39.99 and upgrade to the super plush anti-microbial grass with double blades.
Potty Patch is the Perfect Indoor Pet Potty

Made up of three tiers, the Potty Patch is perfect for apartment dwellers or people who live in the urban jungle. The first tier is made of a soft, artificial grass specifically designed to let liquid flow freely through it. The second tier is a grate that keeps the grass dry and suspended above the liquid. And finally the third tier is the collection tray which can hold up to a gallon of liquid which allows for your pet to be able to use it multiple times before it needs to be cleaned.
Great Pet Training Tool
The Potty Patch is endorsed by the American Kennel Club and is perfect for patios and indoor use. It is a great tool to use for potty training puppies and you will find that it has never been easier to housebreak a pet. In addition, it is so easy to clean - simply rinse it with warm soapy water, and within minutes it is ready for your pet to use again!

Poof Comb: Get High Fashion Hair

Poof Comb - Get High Fashion Hair
Beauty - Hair

Say goodbye to flat hair and hello to hair that has that high-fashion volume and style that makes you look like you just stepped out of the salon. The amazing new Poof Comb is so easy to use and it will give you the lift you are looking for without having to wear something uncomfortable in your hair. Order the Poof Comb today for just $10 plus shipping and handling, and you will also get the Mini Poof Comb, an additional set of Poof Combs and a 5X lighted compact mirror absolutley free.
Get Show-Stopping Styles with the Poof Comb

The secret to the Poof Comb is all in the design. The teeth are triangular and extra long which funnels hair safely, creting a cushion of hair at the root which will add inches to any style. The Poof Comb comes in two sizes - the regular size with standard 4-inch teeth and the mini which has shorter teeth and is perfect for layered looks, feathered bangs or shorter styles. It is so versatile that it will quickly become a must-have for your daily beauty regimen.
Add Volume to Hair Instantly!

Until now, adding volume to your hair meant using a lot of hairspray and products that look and feel tacky. Now with Poof Comb, you can instantly add volume to your hair just by using the great styling device. Simply pull the Poof Comb through your hair, and watch as your hair gets an instant cushion at the root that stays put. No more using hairspray until you can't breathe! The Poof Comb - it's like magic!

Friday, March 11, 2011

Heeldini Foot Scrubber

1

Heeldini Reviews

Heeldini Reviews: As Seen On TV Foot Scrubber


My wife seems to order these TV things by the ton and while some are terrific, most are just a waste of money.  But let's face it, infomercials get our attention and all the products look great on television.  So would this Heeldini turn out to be any different from the others?

So when I had the Heeldini sitting right there in front of me I had to open it up and give it a shot.  If this was the latest and greatest foot scrubber to hit the market, then so be it.  We all need to exfoliate, especially in the Winter months, and contrary to popular belief, heel creams just don't do it.

This has always bugged me.  By the time you realize you have a dry skin problem on your heels, it is too late to smother the area with creams and get results.  Dry skin is dead skin, and unsightly dry skin just means there is more of it about.  Regardless of the cause, trying to rehydrate dead skin will never work and makes no sense.  The answer is to remove the dead skin and reveal the healthy vibrant skin beneath.  It not only looks nicer but can help prevent many of the skin afflictions we all complain about.

Chemical exfoliation is a great way to remove dead skin for sufferers of chronic conditions. But it is drastic and expensive and most of us do not require such a procedure.  Just finding a simple, yet effective, to exfoliate will be sufficient for 99% of the population.  So what does the Heeldini do?

The secret is volcanic pumice which will gently remove dead skin and reveal the healthy skin below.  With Heeldini, all you need to do is a little bit of light scrubbing and your done.  The handle is long enough to reach the bottoms of your feet without bending down so it easy and safe to use in the shower.  It is well built and the pumice stone will not break off and will actually last quite a long time.  There really isn't much more to it and that may be the best part.

Real Heeldini Reviews should be short and sweet because there isn't that much to say. It delivers on everything promised in the ad and does so at a reasonable price.  I can't imagine that using creams and lotions would make any more sense than using Heeldini so I would have to say that I'm impressed.  Unless you have some type of severe skin problem requiring medical attention, Heeldini should be all you need to keep your dry skin nice and smooth.

 

Wednesday, March 9, 2011

Untitled

Heeldini - Treat Your Feet!

As you get ready for sandal season, don't forget to pamper your feet and make sure that they are ready for their close up! The Heeldini is a great new foot tool that is designed to give you smooth, sexy feet in no time. For a limited time, when you order online, you will get two Heeldini's and 2 Bonus Shower Hooks for just $9.99 plus shipping and processing. That's a $25 value for less than $10!

Treat Your Feet with Heeldini

Designed with an extended reach comfort handle, the Heeldini soothese rough heels, calloused toes and sore arches and soles. It works best wet in the shower or tub and can be used easily without having to bend over or pull your foot up. You won't have to worry about holding a pumice stone and keeping your balance on one leg! And after you start using the Heeldini, you will be amazed how quickly your heels go from dry and cracked to smooth and soft.

Exfoliate Rough Skin with the Heeldini!

Made with imported volcanic pumice, Heeldini exfoliates rough foot skin in no time to make silky smooth skin. It has been proven that pumice is the best and healthiest way to keep your feet smooth and silky, and the Heeldini formula is a winner. Just use the Heeldini for one week and you will instantly see the difference in your feet. Callouses and dry skin are not healthy for your feet and are often ignored by people who just don't know how to get rid of them. Now the Heeldini makes that job easy, simple and safe!

 

Learn more about
the Heeldini today!

Seed Capital Reviews

Seed Capital Reviews

So how do you get an As Seen On TV product to market without any money? The answer is Seed Capital in Henderson, Nevada.  In fact, Seed Capital helps all types of start ups arrange financing.  Here's what "they're" saying:

We have sent a number of franchisees to Seed Capital over the past year. As everybody knows, times are tough, and even those that would have easily qualified for business loans in the past have been having challenges going through conventional financing and dealing with the traditional banking system. Seed Capital has been the exception. The feedback that we receive from our owners that have used them has been extremely positive. They are attentive, knowledgeable, and most importantly, they provide results. Very often I receive calls with updates on all of my clients, which simply does not happen with other lenders. I would recommend Seed Cap to anybody that is looking for a quick, economical and viable way to acquire business loans.

Sincerely,
Adam Blake
VP of Franchise Development
The Filta Group Inc


After not being able to get into a franchise due to a competitive bid, I did not loose hope in starting or expanding my business.

When I moved to Florida with the Real Estate prices low as they were, I took advantage of Seed Capital. What banks could not do I could count on Seed Cap to get the business loans I needed to expand. If it were not for Seed Cap we would be wondering how do we get financing.

The customer service and the partnership with Seed Capital has been invaluable.

Anyone wanting to start a business and have no options, please trust in Seed Cap as they know what they are doing.

Thank you,
Mike Hanson

Seed Capital is a Better Business Bureau accredited company based in Henderson, Nevada. The company offers entrepreneurs a unique method of securing the funding needed today and assisting in building superb business credit for future working capital needs. Seed provides the industry's most complete service guarantee; if a client does not receive at least $50,000 in cash credit lines, they do not pay a single cent.

For more information please visit http://www.businessloan.org or http://www.seedcapital.com

Wednesday, February 9, 2011

Clay Matthews Leverages MMA Training All The Way To Super Bowl

Green Bay Packers Clay Matthews

Prior to hoisting the Vince Lombardi Trophy on Sunday night, Green Bay Packer Clay Matthews was around MMA heavy bags. Despite making the 2009 Pro Bowl team as an NFL rookie, the 24-year-old refused to rest on his laurels by enrolling in Randy Couture’s MMAthletics this past off season.

Together with mixed martial arts veteran and Fox Sports writer and Perfect Punch Developer Jay Glazer, “The Natural” developed a full-time training camp designed solely for athletes from other professional sports. Glazer spearheaded Matthews’ intense training regimen last summer.

With all due respect to their athletic counterparts, Couture and Glazer believe MMA fighters are the world’s best conditioned specimens. Mixed martial artists literally defend their lives in combat, so pushing their bodies beyond their breaking points on a daily basis is just par for the course.

Jared Allen paved the way for NFL players a few years ago when he started working at Arizona Combat Sports. One of the game’s best pass rushers claimed it was “the most important thing I did to help my career.”

According to Glazer, Matthews has significantly strengthened and increased the speed of his hand strikes – a more violent version of the hand slap. The technique dislodges offensive linemen’s arms from his body, allowing Matthews to maintain his momentum in order to get in the backfield to make plays.

In addition, MMA training has shown him how to maximize the leverage in his six foot three inch frame.

Matthews tallied 13.5 sacks this past season, the fourth highest total in the league. He tacked on another 3.5 sacks during the Packers’ playoff run.

Although Troy Polamalu beat him out for 2010 NFL Defensive Player of the Year honors by two votes, Matthews took home the only award that every athlete in any sport covets, a world championship. - www.5thround.com

Clay Matthews Trains MMA Style For Football

In just his second season, Green Bay’s Pro Bowl linebacker Clay Matthews is one game away from going to the Super Bowl.

 

But preparaing for Sunday’s NFC Champiosnhip Game (2 p.m. ET on FOX) against the Chicago Bears didn’t start this past Monday. It began long ago. Matthews owes the majority of his success to genetics and one of the most remarkable bloodlines in NFL history.

Matthews is unlike 98 percent of the league. He constantly is looking for an extra edge, constantly looking for a way to outwork the world, whether it’s during the season or the offseason.

Before this season, Matthews tried to increase his intensity and hand speed by joining MMA Athletics, a program started by UFC legend Randy Couture and Perfect Punch developer, Jay Glazer.

Training like a cage fighter has helped Minnesota’s Jared Allen and San Francisco’s Patrick Willis, among others. Two entire teams, Atlanta and San Francisco, also got in on the action.

The benefits of the program for Matthews: It greatly strengthened and speeded up his hand strikes, made him more violent and made him think like a cage fighter. It also increased his knowledge of leverage, but more than anything else, it pushed his breaking point way beyond the limits he though he had.

 

Packers advance

NFC CHAMPIONSHIP GAME

Matthews had 13.5 sacks (fourth in the NFL), despite playing with an injured leg for much of the season, and is in contention for the NFL’s Defensive Player of the Year award.

The video that accompanies this story is a sample of the grueling torture Matthews put himself through during the offseason to become one of the best linebackers in the game, adding that work ethic to his bloodline: His father, Clay Jr., played linebacker for 19 seasons with Cleveland and Atlanta, and his grandfather, Clay Sr., played defensive end for San Francisco. His uncle, Bruce, played 19 seasons for Houston and Tennessee.

After seeing the results he had this season, Matthews already has committed to more MMA work next season. We’re just glad we were asked along for the ride. FOX Sports

 

Monday, February 7, 2011

Don't Forget Your Grill Glove

Saying you truly never know what you have until it's gone may sound silly but it's true. And that's exactly how I feel regarding my Grill Glove.  I made the mistake of going a Super Bowl party filled Packers and Steelers fans.  I usually like watch these big games at home because I afraid I'll miss too mcuh of the action.  However, I figured these diehard football fans were worth the risk because I've been watching their tailgating exploits for years.  The fans of both teams are known for their tailgating so I expected a lot from them.

I may have been a little too quick to give theses guys such props.  I'm not denying they are great fans but they were true amateurs when it came to using the barbeque. It was requested that I bring some main course food but what I should have brought was my grill gloves.  We had plenty of chicken, steaks and ribs but not enough space on the grill to get them cooked in an efficient manner.  I've been able to shed almost all my utensils since I started using the grill glove.  The only thing you can't do with is cut your food.

None of this was any of my concern until somebody asked me to be the master of the grill. I wasn't looking for the honor but I really couldn't turn it down. But here's where realized how great the Grill Glove. Once you've used it control your cooking space, it is hard to use anything else.  As the grill master, my Super Bowl experience took a turn for the worse.

I did take a little comfort in the fact that this was temporary and I truly appreciated the glove I would have brought had I know I was cooking. I've become accustomed to putting my gloved hand right in the flames without getting burned and this was not something I could do today.  Besides feeling safer around the flames, the design is what lets you control the food better.  You never need to use a spatula to flip or a fork to serve.  Just grab the food and toss it on a bun or a plate.  It is a more efficient process, especially on the go.

Had I had any reason to suspect that I might had the only skills at the party to properly man the grill, I would have planned ahead and brought along my handy accessory and made my life a lot easier.  I could have spent some more time watching Clay Matthews causing fumbles or Hinds Ward making tough catches

Just that fact that you can clean it with ease makes it better than any traditional glove or oven mitt. When you think about all of the old burnt on food particles staining every pot holder in America it is pretty gross. So it is strange that nobody thought about developing such a product in the past but since it's here now I'm hoping that more people will find out about it. It would have been nice to have had one during today's big game.  I missed a lot of big plays in the first quarter trying to dole out the brats with the tongs.

Clay Matthews MMA Training

Clay Matthews - Is Mixed Martial Arts the Key to His Success?

Author: Coleen Goralski

Autographed Clay Matthews 'Storm Chaser'

By now everybody is familiar with the story about Clay Matthews III being undersized in high school. So much so that his own father did not play him due to his small stature. What some people may not know is that Clay has added mixed martial arts to his workout routine. Could mixed martial arts be the key to his success?

Clay's incredible physique is proof of his dedication in the weight room. While in USC he was thought of as the most intense player in the weight room. Putting on 80 pounds is no easy feat! He was able to makeover his 165 pound 6' 1" frame into the 255 pound linebacker he is today. He was so dedicated to the game and his own personal improvement he has said that he basically had no social life.

Clay III is always looking for ways to improve be it watching films or listening to the advice of his famous football family and recently he has added MMA training or mixed martial arts to his workout in the off-season. At first he was skeptical thinking it would not relate to football but in and interview while at MMAthletics he said, "..everything we do in here somehow relates to what we do on the football field'. The benefits of mixed martial arts is not only the mental toughness but a completely different kind of workout than most ball players are accustomed to. Using body on body work rather than traditional weight training; leverage, balance, knees and hips are worked in a completely new way for most players. Many football players just getting into MMA believe it gives them an edge on the field. The Atlanta Falcons must agree, they were the first NFL team to offer MMA training to their players. Clay III said he could feel his body transforming while doing mixed martial arts and I'm sure other players will also see Clay's improvements and want to try it out as well.

Clay Matthews III is an outstanding example of hard work and sheer dedication. From a small hopeful to a force to be reckoned with he is finally coming into his own and could possibly be named Defensive Player of the Year. He is certainly a fan favorite in Green Bay with Packers fans! See this celebrated Packer here

Article Source: http://www.articlesbase.com/collecting-articles/clay-matthews-is-mixed-martial-arts-the-key-to-his-success-3926010.html

About the Author

No fine art sports collector should be without a print by nationally recognized sports artist Andy Goralski

See his new autographed Clay Matthews lll 'Storm Chaser' Andy Goralski is a well known national sports artist who has had the pleasure of painting some of the finest atheletes in the country ranging from Walter Payton, Brett Favre,Prince Fielder, Paul Molitor, George Brett, John Elway and many more. Many of his editions have sold out quickly and are now on the secondary market. Learn more about Goralski at coleengoralski.com

Saturday, February 5, 2011

Why You Need A Business Loans Consultant

The Reasons You DO NOT Want to Manage the Business Loan Process on Your Own.

We are often asked, “Why do I need to pay a consultant to assist me in obtaining business loans?  I have perfect credit, can’t I just do it on my own?”  On the surface this statement seems to make perfect sense, however, since the mortgage meltdown and ensuing credit crisis, like Elvis, “sense” has left the bank building.  All the rules have been rewritten on how to obtain business loans and what the banks are looking for and what lending triggers they use to grant a business loan.  Everyday we have new clients that come to us after being turned down by their bank of 20+ years.  This has nothing to do with creditworthiness, but rather, not understanding what programs and lending biases each bank utilizes when underwriting their business loans.  Before you venture down the road of do-it-yourself business loan development and ruin your personal and potentially your business’s credit, please consider the following:

  • Lender Selection – In this post subprime lending paradigm, selecting the appropriate lending institution is quite possibly the most important single criteria when beginning the business loan application process.  There are literally hundreds upon hundreds of banks  and credit unions in this country.  Which banks will loan to small businesses with stated income applications? Start-ups?  Do not require collateral?  Have the best interest/promo rate?  The sheer number of banks offering business loans is daunting.  True, each bank will give general guidelines on how they underwrite business loans, however, the actual nitty gritty is proprietary and until an application is submitted, the borrower will never truly know what the bank will do.  Using a trial and error method to figure this out will absolutely ruin your ability to get future credit for yourself and your business.  I can’t count the number of clients that have come to us after trying to obtain business loans on their own.  Unfortunately, at that point their credit has been littered with inquiries and we can only say “sorry, contact us in 6 months and we’ll try again at that point.”  We have developed a systematic business loan application process that includes only the banking partners and programs we know your business can qualify for on the absolute best terms.
  • Guideline Changes – Banks’ business loan guidelines and underwriting methodologies are constantly changing.  Strategies to acquire business loans that work today, may not work tomorrow.  This is the very reason Seed Capital has developed the most robust, dynamic lender database in the industry that monitors hundreds of banks and their respective business loan underwriting preferences in real time.  This gives Seed Capital instant access to the what, who and how much a particular bank is lending at any time, allowing our consultants to fashion a lender/business loan application strategy tailored to each our client’s individual needs, credit profile and geography.  This unparalleled understanding of business loan underwriting procedures is the very reason Seed Capital is the only company in the business loan industry that offers an unequivocal performance guarantee.
  • Reconsideration Requests – If a bank says no, do you know who to talk to and what to say in order to turn that no into a yes?  Our years of working with business loan underwriters has given us a deep insight into how to use reconsideration requests to get credit approvals.  80% of business loan underwriting is initially done with what is called an automated underwriter (AU) which is a computer program that scrubs the applicant’s credit, considers additional variables such as income and spits out a business loan decision based on that input data.  AU’s are plagued with issues and often decline business loan applications for quirky reasons.  With Seed Capital’s consultation, our clients are able to turn initial business loan declines into approvals roughly 90% of the time.  This is because we are able to analyze the decline reasons, assist the client in formulating a reconsideration request and know exactly which individual in each lending institution they need to speak with in order to get their business loan declines overturned
  • Window Dressing – You may think that you have perfect personal credit, however, close to 75% of our clients need some form of “window dressing”.  This is a term we have coined that simply means making minor tweaks to the personal credit report in order to get the most business loan approvals with maximum limits and the lowest rates.  We understand exactly what credit criteria on which the banks base their business loan approvals.  Our consultation can mean the difference in getting a $20,000 business loan on your own, or $150,000 in business loans with our window dressing techniques.

These are just a handful of reasons on why you need an expert to assist you in wading through the intimidating world of business loans.  In the business loans world there is absolutely no substitute for experience and know-how.  Seed Capital will ensure you get the maximum working capital business loan up front and build a perfect business credit rating in just a few short months.  At that point, you will never need to worry about your business’s working capital needs ever again.  GUARANTEED.

Reviewing The Perfect Punch

There have been several recent perfect punch online in the recent months but few mention one of the best features of the product.  I'm thrilled that you can now train MMA without any pain!

If you train a lot, especially if you do a lot of bag work, you will start to accumulate little injuries.  But, you need to hit the bag in order to create your improve strength and hone your technique. Jay Glazer's perfect punch allows you to do MMA training while making the most out of your bag work by eliminating it.  You really shouldn't be using MMA gloves to hit the heavy bag in the first place but let's face it, if that's what we have, that's what we use.  Standard MMA gloves simply don't contain enough padding to handle all the shock we put on the hands and wrists.

In fact, with Jay Glazer's Perfect Punch you don't have to hit anything at all but can get an even more thorough workout than if you were hitting a bag.  First, if you are training allot then you know it becomes increasingly more difficult to punch yourself to exhaustion because you become used to hitting the bag.  The no impact progressive resistance will actually slow your punches down but require more force to complete your striking motion.  As a result you will tire quicker.

The next reason it is so much better than heavy bag work is that there is no bag at all.  Think about it, how many times do you actually make impact during a bag session?  A lot, and the accumulation of impacts takes its toll on your wrists and hands no matter strong you may be.  So being able to work on technique, speed and power without a single blow should be very intriguing.  Especially without fear of any injury.  No impact is just means no impact and regardless if you are currently injured or just trying to prevent a new one, you will not need any recovery time after using the perfect punch.  Sustaining injuries during heavy bag training can ruin your training schedule.

Many other reasons to use the Perfect Punch MMA training system have been mentioned in other online reviews but I wanted to make sure that people understand how important a no impact training alternative actually is.  But, don't dismiss this as an easy workout routine.  Avoiding impact does not mean you can't get the same, if not more, benefits.  The fifteen minute sessions which come with the system are easy to understand but extremely challenging to do.  Even the most experienced fighters will have trouble completing them which leads me to believe in the value of this as a fitness tool.

MMA Training With Jay Glazer

The perfect punch is my latest entry in my reviews on As Seen On TV items that work. This is a rare pleasure to find things advertised on infomercials that actually live up to their own hype, especially when it comes to fitness products.

I'm pretty thrilled about Jay Glazer's perfect Punch . This is one of the latest fitness products on the market, & it is really something. First, when I saw it, it just so cool. Mixed Martial Arts is the hottest games on the earth these days & the gear associated with a fighter who just exudes coolness. Every man in the world secretly wants to fight for they admit it or not, & as far as I know that this is the first product that works on punching technique.

This isn't one of those silly ab products which promise total fitness without lifting weights, this product combines shadow boxing with progressive resistance training to improve hitting technique while creating more speed & power. So basically, it might be a good workout. But there is no denying that it looks like the commercial, this isn't 1 to sit still & get in shape systems. You'll be working!

This is precisely  why the Perfect Punch is in the as seen on TV products that work column, because there is no promise that this product will do the work for you. When you use it you will punch yourself to the edge of exhaustion if you continue.

Just in case you have'nt seen the product advertised on TV, here is a description. It consists of high quality MMA training, 2 resistance bands a mixed martial arts training video made by Fitness Celebrity Jay Glazer. This is basic & easy to use, making it even more attractive. But does it work? How do I know? I am not a professional fighter. But I'm a person who wants to get into shape.

The Perfect Punch was created by Jay Glazer that an MMA trainer in addition to its rights to broadcast Fox Sports, was approved by MMA Fighter Dan Henderson I've no real evidence that a user will have a better fighter for so much technique, strength & speed. Only time will tell if more soldiers are used. "But, based on a normal person looking for a good workout, I can say without a doubt, this works.

From the first time you glove up & start punching you can feel the burn in your shoulders & arms. After a minute or two, you are totally wiped out. It's unbelievable that real warriors have three min rounds because it's extremely difficult to keep striking for this period.

The more time you spend the perfect punch, the stronger you get. The progressive resistance of some kind is responsible for this & is also responsible for increasing speed. Feedback form is a strip on each glove that lets you know if your technique needs work. DVD is good enough to keep you motivated & gives a great workout routine for all levels. So in my opinion the perfect Punch system has it all. Simple, effective & fun. I smell 1 that can be seen on the TV smash hit that'll probably go over to the shops, but again, only time will tell.

 

 

Thursday, February 3, 2011

Wednesday, February 2, 2011

Perfect Punch review

It is getting close to the end of 2010 and this when I like to put my best of’s product reviews. 2010 was a stellar year the stupid, and the more stupid. It was a time when we the bad get worse. But in the As Seen On TV fitness world we saw the tough get tougher.

My As Seen On TV fitness pick is Jay Glazer’s Perfect Punch. It released late in 2010 and it is so good, I’m going to name it the product of the year, red shirt, and let it start all over in 2011 and win the product of the year then too. It’s that good! Why?

The way I judge a product is not that hard and requires no statistical analysis. My main criteria for choosing the Perfect Punch to be the best was the fact that I did not hate it. That is how bad the products were this year. But the punch is different and deserves some attention.

Perfect Punch is just plain cool and therefore the marketers will not have to trick people into buying it. They will run some ads, offer great deals online and masses will want this thing. The reason you ask? Again it is simple.

Real professional fighters, be it MMA or boxers, actually use the Perfect Punch to increase their punching speed, work on their technique and develop greater punching power. Fighters are tough and very fit. I seriously doubt that any tough guy with a fight on the line would use a product that makes him less tough. And that alone will be the basis of the demand for this product.

One of the most important factors in training is doing effective reps. Repetition is crucial for success and that is why you see fighters training tirelessly. The Perfect Punch system will allow fighters to get the most out of each rep and this can translate into victory in the ring.

So now, we too can be a the top of our game as well. We don’t have to get into the ring but the makers of the Perfect Punch have devised a way to bring punching training to the masses in an easy to do and inexpensive way. You use your MMA Training Gloves as instructed and you punch your way to fitness. The low impact workout is based on progressive resistance repetitions and it is a killer. It will wipe you out but the reps aren’t hard to do. You might even think the punches are too easy but once you do about five you will recant that thought. It is the aerobic training and the punching motion that will do you in but I guarantee you will enjoy this workout. It is different than any thing out in the marketplace right now.

The perfect punch is a completely new workout program. This is not some old workout machine that is painted a new color and resold to the public through infomercials. This is an innovative workout system which will change the way you workout and motivate you to stay in shape. The concept is based on simple shadow boxing technique but Jay Glazer has updated the training to relate to today’s modern MMA Fighters.

As I mentioned above this is a brand new release but it really is the best thing to happen in fitness in 2010. I imagine the marketing will heat up in 2011 and we will begin to see commercials and offers everywhere. As much as I enjoy making fun of infomercial products there is really nothing here to lampoon. The Perfect Punch is the real deal and I’m glad I found it.

Tuesday, February 1, 2011

Clay Matthews Loses Super Bowl Battle Of The Hair

What a week for Clay Matthews of the Green Bay Packers.  I was a bit upset that he didn't win the NFL defensive player of the year due to some guy named Troy on the Steelers. Now it turns out Matthews is taking second prize in the NFL battle of the hair. 

Now Polamalu has the support of Head N Shoulders but I'm gonna go out on a limb and say we will see Matthews dome starring in some ads very soon.  I like his look a lot better, because frankly, it just looks easier to manage.

Now that the important stuff is out of the way, I think it is Matthews that will have a better Super Bowl on Sunday.  Polamalu is a game changer but Matthews is going to be involved in a lot more plays from his position.  Clay Matthews is definitely a monster and his often season training regiment may just be responsible for getting him through the longest NFL season of his young career. 

The only drawback of being in a Super Bowl is the punishment your body has had to endure to get to that point.  Yes, the players get paid more to play in the playoffs, but year after year, playing on a great team could actually shorten a guy's career.  When you play as physical as Matthews does you better find a way to get an edge.

He and other NFL players have taken to MMA training in the off season, and Matthews trains with Fox NFL commentator Jay Glazer. MMA fans of well aware of Glazer's involvement in the sport but NFL fans might not have any idea how tough Jay Glazer really is.  He has just released the Perfect Punch MMA training system so everyone can take advantage of MMA training for fitness, and if you can't get a private coaching session like Matthews, the Perfect Punch might just be the next best thing.

Clay Matthews Loses Super Bowl Battle Of The Hair

What a week for Clay Matthews of the Green Bay Packers.  I was a bit upset that he didn't win the NFL defensive player of the year due to some guy named Troy on the Steelers. Now it turns out Matthews is taking second prize in the NFL battle of the hair. 

Now Polamalu has the support of Head N Shoulders but I'm gonna go out on a limb and say we will see Matthews dome starring in some ads very soon.  I like his look a lot better, because frankly, it just looks easier to manage.

Now that the important stuff is out of the way, I think it is Matthews that will have a better Super Bowl on Sunday.  Polamalu is a game changer but Matthews is going to be involved in a lot more plays from his position.  Clay Matthews is definitely a monster and his often season training regiment may just be responsible for getting him through the longest NFL season of his young career. 

The only drawback of being in a Super Bowl is the punishment your body has had to endure to get to that point.  Yes, the players get paid more to play in the playoffs, but year after year, playing on a great team could actually shorten a guy's career.  When you play as physical as Matthews does you better find a way to get an edge.

He and other NFL players have taken to MMA training in the off season, and Matthews trains with Fox NFL commentator Jay Glazer. MMA fans of well aware of Glazer's involvement in the sport but NFL fans might not have any idea how tough Jay Glazer really is.  He has just released the Perfect Punch MMA training system so everyone can take advantage of MMA training for fitness, and if you can't get a private coaching session like Matthews, the Perfect Punch might just be the next best thing.

Perfect Punch: Here's The Trick For Success

I have had my Perfect Punch for about a week and I do like it but it took me a few tries to get it right.  First I want to say that I've been punching a punching for some time. I really was never sure if I was doing it right because there was nobody there to teach me.  After using the perfect punch I realize that I wasn't using the proper technique and it led to some dull pain in my left wrist. I punched my way through it for the most part, but I have taken a break from my punching bag routine.

Instead, I thought I would work on my speed and power while I healed up a bit.  I love the mma gloves and the whole contraption is well made but I could not get the chest strap closed.  The directions say to put on the gloves and lower the resistance band behind you, but when I did that I couldn't grab the ends of the chest strap to fasten them. I was like a dog chasing his tail. It was pretty frustrating but I found a solution.

To get the chest strap secured I put on the gloves as directed and lowered the resistance band behind my head. But, I kept going. I lowered the band down my back until it was behind my knees.  I then closed my knees together and could easily grab the chest strap ends easily with my gloved hands.  Then I just pulled the fastened strap up into position on the chest.

I've since learned that I could just glove up, touch my hands to the ground, step in front of the resistance band and fasten.  Then it is just a matter sliding the perfect punch up from my heels into place. It is really easy to strap in this way and I suggest this method for other users.  There is a huge difference using the punch with the chest strap fastened as opposed to leaving it dangling. It really keeps the whole system in place while your punching.

Friday, January 21, 2011

The Heat Surge Amish Fireplace

Winter Chill

Before the holidays, we went over to my wife’s mother’s condo for our regular weekly visit.  We found her sitting in the living room dressed in sweaters, coats, and covered with her hand made quilt.  Apparently, something is the matter with the ducting system in the building.  Her bedroom was absolutely toasty, but no matter how the vents were adjusted, the rest of her condo was cold.  Her unit was not the only one to have this problem...the whole building seemed to be suffering from uneven heating according to her friends who lived there.


She said she didn’t want just a typical electric floor heater because they were unsightly.  I really felt for her when she said she wished she could be back at her home where she had a fireplace.  I guess the older we get, the more remember the things that made us comfortable earlier in life. I remembered seeing an As Seen On TV commercial for the Amish Heater or Heat Surge Fireplace, and thought I’d find out more about it.


Heating With the Heat Surge


Handmade by Amish craftsmen, the Heat Surge Electric Fireplace has a beautiful real wooden mantle and the ambiance of a real fire.   It’s small, convenient and easily moveable from room to room.  It emits Infrared Heat and heats quickly and evenly while staying cool to the touch.  For my elderly mother-in-law, I think another advantage of the Heat Surge is that it’s really safe.  Because it is externally cool, she won’t set her condo on fire if a blanket or garment falls over it, whereas this might happen with other portable electric floor heaters.


Unlike many of the other electric floor heaters on the market, the Heat Surge is aesthetically fabricated and is not an just another electric heater, and this was important to her.  The look of a real fireplace is attained with their patented "Fireless Flame" technology, which really does give the exact appearance of a real fire.  Staying warm while enjoying the relaxing ambiance of a fire without the negative aspects of a real fireplace such as fumes, smells, ashes and the mess really did appeal to her.  Additionally, the integrated thermostat will let her to set the temperature to what’s comfortable for her so she won’t have to be resetting the temperature all the time.


Happy and Warm


As a bonus Christmas gift, my wife and I ordered one for her.  Of all the gifts she opened, this brought put the biggest smile and put a twinkle in her eye.  We unpacked it, reviewed the simple directions with her, and turned it on.  The flames are really pretty, and doesn’t take up hardly any space in her condo’s small living area.  If you have a loved one, or have a room yourself that stays cold, the Heat Surge Amish fireplace may be for you too.

Friday, January 14, 2011

The Fuel Shark Gas Saving Unit Review

The fuel shark is a simple and affordle new tool for your car that cuts cash off your gas bill. The fuel shark unit is more than meet the eye. This little gizmo plugs right into your car lighter and helps your car run better and save money on gas. Learn more by reading fuel shark reviews. Fuel shark creates a clean electrically enivroment for your car allowing it to run more smoothly and effieciently or at least that is what I have read. It all sound good to me but does it work? They say they have test it sucessfully with tens of thousands of consumers. I recently placed an order and I am looking forward to seeing what this new product has to offer for my gas guzzler. As soon as the fuel shark arrives I will fill you in. I have tried numerous things in the past but like fuel cleaners but it is so hard to tell. If you have tried the fuel shark or anything else that works please let me know I would love to hear your thoughts.

Tuesday, January 11, 2011

Easy Meals With the Butterball Turkey Fryer and Chef Basket

The Butterball Indoor Turkey Fryer


I had always heard that frying a turkey was risky business.  Our son had one of these old fashioned turkey fryers that used boiling oil over an open flame.  Of course, he set the fryer in the middle of the back yard so that if there was an explosion or fireball, he wouldn’t burn down the neighborhood.  He did get scalded though.  When he lowered the turkey into the boiling peanut oil, he hadn’t thoroughly dried it off, so he got splattered with boiling oil.  After that, it was just a long process.  The finished turkey wasn’t really tasty as it was somewhat greasy.  When he said he was going to do it every Thanksgiving, I began to look for other alternatives to avoid the risks involved.


The Butterball Turkey Fryer has been advertised all over this year, especially on the As Seen On TV Commercials.  If you haven’t heard about it, it’s a flame-less, indoor countertop appliance that won’t help you celebrate the holidays by burning down your house.  Because it uses less oil (two gallons instead of three), it’s far healthier as well as safer than the original open flamed outdoor turkey fryer.  Also, the temperature is controlled by a digital timer and thermostat so that you’re able to control the cooking time and get a perfectly fried turkey every time...crispy on the outside and moist on the inside.  It will fry up to a 14 pound turkey with predictable, delicious results every time.  I know because I ordered one for my son, and he did this year’s Thanksgiving turkey with it in about 45 minutes cooking time.  The Butterball Indoor Turkey Fryer is a great way to get a moist, perfectly cooked turkey every time.


Using The Chef Basket


As Seen On TV has some really useful and unique items.  My wife first saw the Chef Basket advertised on one of their commercials.  This is a really versatile cooking aide that’s really handy to have in the kitchen.  It’s really and ingenious colander type basket that’s collapsable, reversible and folds flat when not in use.  When you want to use it, just flip it open to the appropriate side and use for frying, steaming, boiling or par-boiling.  What makes this basket so unique is that the handles stay cool to the touch  while the basket’s in use.  So, you can take the Chef Basket full of pasta right out of the boiling water, rinse, and then pour directly into the serving dish without having to use a strainer or oven mitts.


For Thanksgiving, my wife used the Chef basket to make sweet potato fries to go with the fried Thanksgiving turkey.  Boy, were they great.  She just set the Chef Basket in the pot of boiling oil, dumped in the sweet potatoes, and fried them to a crisp golden brown.  Makes your mouth water, doesn’t it!


So, these are two of the newest and best gizmos to have if you’re looking to make your life in the kitchen easier.  They sure made our Thanksgiving dinner a treat to remember and look forward to next year!

Monday, January 10, 2011

The Wear Everywhere Ahh Bra

Heard of the Ahh Bra?


Everyone has their own favorite things to do in their spare time...if they can ever find spare time!   So what do you do with yours?  I exercise two or three times a week, but when it comes to just chilling out, I enjoy just lounging around watching TV.  Several weeks ago, I happened to see one of these As Seen On TV spots advertising the Ahh Bra.  I’d never heard of it before, although I’d seen Rhonda Schear, the comedienne who’s the major spokesperson for it.  She’s known for late night comedy show, Up all Night, and really gave this bra her enthusiastic endorsement.   I had really forgotten about the Ahh Bra until I saw my friend at the gym.  While we were talking, she mentioned this fantastic new bra she bought, the Ahh Bra!  Well...I Googled it when I got home, checked it out, and ordered the nude, black and white three bra package.


My Ahh Bra!


Since you've started having to wear a bra, how many styles and different brands have you tried in search of the perfectly fitting, comfortable bra?  If you’re like me, you’ve tried on an untold amount of bras in search of one that really and truly fits comfortably.  Are you part of the statistics that state that over 80% of American women are wearing the wrong size bra?  Can there be anything more uncomfortable than a bra that doesn’t fit right?


I consider myself within the range of ”normal” in the bust department, so I really shouldn’t be that hard to fit.  Yet, I definitely was a part of those statistics.  All the more reason for me to quickly try on the Ahh Bra when it arrived!  My major bra complaint has always been the shoulder straps.  I guess I don’t have enough meat on my shoulders!  The narrow straps on conventional bras always left pressure gouges and marks in my skin no matter how I tried to adjust them.   What immediately turned me on with the Ahh Bra was the wide shoulder straps.  Because the Ahh Bra is fabricated with 96% cotton and 4% spandex, the wide shoulder straps don’t apply pressure and dig in.  In fact, the pullover racerback design of the bra is incredibly comfortable all over.  The stretchy fabric does firm up my midsection a little, and the ribbing along the bottom edge helps to keep it from riding up while doing normal activities.  The fabric gives me just the right amount of support regardless of what I’m doing, and the center ruching is comfortable, and enhances my natural cleavage.


By now you know that I really do love my Ahh Bra, and the Ahh Bra Reviews have been great, too!   It’s so comfortable that it’s my everyday, all the time, go everywhere, do everything bra.  I don’t worry about bra lines, bunching or bulging because of its seamless design.  I wear it under everything, from the gym to a dressy dress. I just ordered my second set of Ahh Bras, and am telling my friends about it as well!   But I really enjoy its comfort around the house.  Remember I mentioned just lounging and watching TV?  You can’t get too much of a good thing!