Ravi's Blog

Merchant Services from CNG Business Services are offered in conjunction with the Bank of Scotland. CNG Business Services’ Merchant Services include the best credit card payment
processing system which is offered at a really competitive rates. The processing charges for credit services stand at 1.24% while for debit cards they are 14.5p.

The compact credit card processing system requires minimal set up, and little space making it just suitable to be placed on the countertop. The functionality of the system is very simple and works noiselessly causing practically no disturbance to colleagues. You can also check out wireless and integrated EPOS solutions available in Credit Card processing systems. CNG Business services assures their users a very secure environment as its terminals are fully chip and PIN compliant making card payments very safe and secure.

Additionally, when you install CNG merchant services, you can accept credit cards or debit cards either over the counter, over the phone, online or even through mail. The charges are levied as per the period that the Credit Card payment processing systems are hired and the sector. For example, Confectionery, Tobacco and News – CTN or Non CTN – whichever is appropriate. There is a joining fee of £50 for those businesses belonging to the Non CTN sector.

The minimum rental agreement stands for a 5 year period. The monthly terminal rental rates begin from £11.95 (exclusive of VAT) irrespective of the sector. The cost of merchant services depends upon the credit cards used, the tenure of rental and also on the value of the transactions processed annually. Apart from Credit cards, you can also process Visa Debit and Maestro Cards too.

Moving home involves a lot of work. There are also a lot of financial considerations that people generally are not used to. Engaging a solicitor, arranging the mortgage, paying for bridging finance if it is necessary, seeking the best selling price for your home, and the best buying price for the home you are moving into, all of these are very large and important transactions that cost a lot of money and may also cause you a lot of stress.

Add to this the stress of actually moving house. There may be some emotional attachment to the home you are leaving and you may find this very difficult. Then you have all the practicalities of dealing with utility companies, having mail redirected, cancelling your services and informing friends and business of the move.

Traumatic

And this has not even begun to consider the hassle of packing up your belongings, arranging for a removal company, and transit insurance if you think you need it, and unpacking everything at the other end. It is really no wonder that so many people consider moving house such a major and traumatic experience.

However, if you take a step back, the situation is really not that bleak. Most people end up moving home for very positive reasons. These will include getting a new job, or moving to a bigger property. Therefore, as well as all the stress there is also a lot of joy and excitement involved.

Get Sorted

You can also use the move as a chance to clear out your possessions. Look through everything before you start packing and decide what things you do not want to take with you to your new address. If there are a lot of clothes you can pack them up and give them to a charity shop. You should think about getting boxes and old newspapers gathered up. Boxes will be available from local shops and you can save your newspapers for wrapping breakables.

If you are moving everything yourself, you can rent a van to help you out. Make sure it is a suitable size. If the van is too small you?ll find yourself doing multiple trips, and if it is too large you may not be able to park, or even drive it. You should be comfortable with driving the van so give it a try before loading it up to make sure. The alternative is always to hire a long distance moving companies.

Just like everyone else, I too monetize my blogs with adsense. And I do receive payments every month on a net-30 basis. Payments accumilated till the end of may will be paid by the end of june, and you get ot clear it by the first week of july.

Well. I have been really happy all these months, since Adsense sends its checks payable in India through DHL from Dublin. It used to. Untill now. I used to get the check on the 1st of 2nd of every month just like most others in India and the payment would hit my account on the 3rd or 4th. And I did pay an extra $25 charge for that express delivery. I thought it was well worth it.

At around the 20th of April, I got a mail from google sent out a mail to everyone in India that there will be no more Secure Express Delivery, and all checks to India would be sent through the local courier service called Blue Dart.

Well, when i had got the mail, I thought it was cool. Saving $25, and you get your cheques from google’s Hyderabad office. Great. I should get the cheque the next day itself then. Paymet issued on the 28th and I get the cheque on the 29th. Send it for lcearing on the 29th and I get the money by the 30th. The idea was cool.

Payment was issued on the 28th of April, and I waited till the 30th. People said that only on the 30th the cheque will be handed over to blue dart, and may 1st being a holiday we would get the chq only on May 2nd. Great. Will wait. Late hua to kya hua? Paise to bach gaye na. I waited till the 5th. No cheque. If it was DHL, I would have gotten the money by 4th.

6th and 7th. No cheque. Today is 8th.

At a few forums where I participate, people just scare me. Looks like Google has made Hyderabad its center for cheque printing. It has been sending cheques to Russia and many other places in Asia and Europe from Hyderabad. People are saying that only after printing all those International Cheques, google will be sending the cheques for Indians.

Holy Crap.

And, people also say, it is India, and there would be several other problems that google might never have imagined.

1. Powercuts
2. Printer Problems
3. Delay in the arrival of service engineers to fix the printter.
4. Traffic delaying the delivery of cartridges for the printers.
etc.

Google moved their entire operations at Dublin and Singapore to Hyderabad because all Indians are loosers and work for food and nothing more and wont mind mesothelioma if they get it.

Well, at this rate, I dont think the cheques would arrive anytime sooner than the 31th of May. And we can only hope that google sorts out its operations soon and make the Hyd unit as efficient as Dublin, and make sure that we all get our cheques in time.

What are these banks trying to prove? Are they not happy with the new RBI policy of free Inter Bank ATM transactions?

I lost some money last week while trying to make a withdrawal from an ATM. I tried to withdraw money from an ICICI ATM close to my house from my UBI account and I lost the money and ICICI and UBI both refused to help me with it, and I shot a mail to ICICI support telling them that Chandra Kochar can utilize that money to buy some sexy lingerie for herself and they promptly replied saying that they did not appreciate my mail and that it was lack of professionalism. who is lacking professionalism here?

Today my friend had gone to an SBI ATM that is close to his place to withdraw Rs. 1000 from his ICICI account, and the same thing that happened to me happened to him too. Network error, money taken from his account, and he didn’t get the money, and as usual, just like everyone does, he threw away the slip that he got from the ATM. No proof that way. I guess his money would be gone too. Without the slip, there is no way of prooving that you have not taken the money and that you have really had a network error, and the banks will not bother to check their logs if the money has really ben dispensed or not.

This is a serious problem. Lets say you are a salaried person and at the end of the month, when you have only around Rs 5000 in your account, and you get into a medical emergency and the hospital is asking you to deposit Rs 5000. You go to the ATM, and it swollows your money. Its the middle of the night, money gone, and no ways to reclaim that money back, and you are in a medical emergency. Imagine the kind of trauma that you will get into. People would rather have paid the Rs. 20 fee for the transactions rather than getting into this kind of trouble.

Should we stop using the ATMs? Should we go visit the bank when we need to withdraw money the old fashioned way? Because the only proof that you can possibly get in a situation like this is the slip that you get from the ATM, and atleast here in Pondicherry, most of the times all ATMs are out of paper, and for most of the other times, the prints are hardly legible.

It is money, and private banks would be glad the keep the money for themselves rather than let you have it back, and in the court only documents speak and if you are without a document that supports your claim, the bank would just say that the cash was dispensed and would ask us to bring the ‘proof’ for our claim that the money was not dispensed.

I am writing to RBI anyways today. But getting a reply from RBI is a tough job too. Takes a lot of time. You need to send a letter through registered post first, and you will not get a reply fro that. Then you will have to spend another Rs 10 and file an RTI application to get a response, and they will manage to reply with a stupid reply asking for details that we will never have, and that the banks will never give us. The transaction id for example.

This really is, a serious problem.

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If you must run a newsletter, say for promoting your Outer Banks rentals to a regular list of subscribers, you will need a server. And if you have a server, always headache comes free with it, and server administration costs a lot of money or a headache. Trust me, I have been thru that for about 3 years of my life, and have come out of it. One important threat is that the spam monitors of the web might block your ip or your domain for various email servers even if you be very careful in sending out emails and picking the members of the mailing list. It is a tough job.

Have you heard of google groups? Just start a google group, put in all your email ids in there, and send mails to them. If someone doesnt like to receive mails, he will nto complain or try to get your domain blacklisted, but he will use the unsubscribe option below the mail. This is the most legitimate way to send out huge numbers of emails . And above all, its google’s servers, and they will do the worrying about maintaining it. And it is a completely free service. Why spend hundreds and thousands of dollars in buying paid mailing solutions when you get it for free?

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