Pet Relocation – Tips For International Pet Moving | Pets

We pet lovers must face the sometimes confusing task of moving our pets internationally with us. This can be confusing since the paperwork is different from country to country, and we sometimes worry about the well being of our furry friends. Well, throughout this article we will go over some tips for international pet moving that comes in form of questions you must ask yourself, and get the answers to, when you want to make your pet an international being.Restrictions: Are my pets legal on the destination country?One of the things you must be especially careful with is the countries’ laws regulating pets. This is even truer if you have exotic pets such as snakes, tarantulas and so forth. If your pet is legal in your country it doesn’t mean it is legal everywhere – so don’t make a trip without proper research first, or you might get your pet confiscated, be charged for smuggling or even get your pet put down… and nobody wants that.Documentation: What documents are required to import your pet? Pets are mostly treated as imported and exported goods when it comes to international travel. They also need heavy documentation in some cases, so another tip is that you should always research the proper documentation to back your pet. Ownership and birth certificate, as well as the receipt, may be needed in order to prove the pet is yours and indeed a pet and not a “smuggling good”.Vaccinations: Is your pet ready for the new destination? There are two cases to consider here, the first one is about the destination – do you need to vaccinate your pet for diseases that you didn’t need to vaccinate it at your home country? Are there diseases there that your pet might never have been exposed to? The second case is about your home country – does your pet carry the risk of infecting a new country with a disease that previously didn’t exist there? The vaccination laws are pretty strict, and you are expected to have all of the vaccines, of the destination and of your home country, in order.Customs: What are the procedures to transport pets? The procedures to transport pets vary from pet to pet, from transport to transport and from company to company. So, having said that, it is vital that you know the procedures from front to back and that you respect them and make the process run as smoothly as possible!Quarantine: Does your pet fit the quarantine list? Some countries often have animal species in quarantine to prevent the risk of epidemics. Consult the destination’s quarantine list to avoid any possible risks of having your pet held on your home airport.. There are no exceptions here, and there are reported cases of pet tarantulas being thrown down the drain just because the owners failed to comply – you’re responsible for knowing this stuff. We hope that this small article and that these tips will make your pet relocation efforts run smoothly. Research and prepare yourself previously enough and you won’t encounter any problems at all – it seems complicated, but it’s really plain simple.

Interested in Merchant Accounts? Discover Your Many Options | accounting

If you are just starting a new business or trying to expand, you can boost your profits by opening a merchant account. A merchant account will allow you to accept debit and credit cards. It will boost your business, increase your customer base, your clients’ satisfaction, and your credibility. Read this article if you want to find out what merchant account options are available to you.Internet AccountInternet accounts were created for businesses that sell their products on the web. The fact is that most people use debit cards or credit cards when they shop online, so an internet merchant account will help you substantially boost your profits. Keep in mind that an internet merchant account will cost you more because there is a higher risk of fraud, but the fees are still reasonable.
If you want your company to thrive, you should definitely take your business online. You will be competing with so many businesses on the web, so it is crucial that you accept debit cards and credit cards from your customers. If you do not offer these payment methods, you will reduce your revenue and lose a substantial amount of business.Retail AccountRetail accounts are ideal for brick-and-mortar businesses that are able to use credit card processing machines. After you open this type of account, you will receive a terminal for your countertop. You will use the terminal to swipe your clients’ credit cards. After you swipe the credit cards, the terminal will retrieve the customers’ information and approve or deny the transactions. Bear in mind that retail merchant accounts are associated with lower transaction fees.High-Risk Merchant AccountHigh-risk accounts are excellent for businesses that deal with many product returns and charge backs. High-risk merchant accounts are also best for businesses that have a higher potential for fraud such as who deal with travel, casinos, cigarettes, pharmaceutical, alcohol, adult products, and replica products.Telephone or Mail AccountThis type of account was created for businesses that need to accept credit cards over the phone or via mail. It is always a good idea to offer telephone and mail order payment options because some customers prefer these methods. Some people feel more comfortable when they place orders over the phone. Keep in mind that mail accounts are perfect for direct marketers and catalogue sales.Offshore AccountAn offshore account is ideal for businesses that conduct transactions around the globe and it will help you accept credit card payments from international customers. Offshore merchant accounts are easy to open and affordable.Wireless AccountA wireless account is ideal for businesses that conduct transactions outside of an office. For instance, a food vendor on the streets can accept credit cards with a wireless terminal.
Today, there are hundreds of merchant account providers. Many of these providers are well respected, legitimate companies. However, some of them are dishonest, so you should only use a company that you trust. A good merchant account provider can offer you a variety of options for an affordable price.Merchant accounts are suitable for any kind of business and they are affordable, so it is in your best interest to start accepting credit card payments from your audience. Keep reading if you are still not convinced. Since most people like to pay for purchases with credit cards and debit cards, you will gain new customers and lock in your current customers. People will stop shopping with businesses that only accept cash and they will come to you. In addition, if you accept credit cards, you will show your customers that you care and you will make their lives easier. They will be more likely to return to your business in the future and they will spend more money if they see things they want to purchase.You will increase your customers’ confidence if you open a merchant account because studies show that people trust businesses that accept credit cards from their customers. People view these businesses as being legitimate and trustworthy.Consumers also like to use credit cards because they enjoy earning flier miles, points, free hotel stays, cash, and rewards from their account providers. Shopping with credit cards is also safer and more secure than using cash, especially when consumers are shopping online.If you open a account, you will not have to wait weeks to get your money. When your customers place orders and pay for their purchases, you will have that money on the same day or the following day. The funds will be deposited in your business checking account. With that said, you should definitely open a merchant account if you want to increase your sales and cash flow today.

The Three Killers of Misunderstanding Investing | investing

An annual delight of mine is reading Warren Buffett’s annual letter to shareholders. Buffett has very much influenced me as a financial advisor and how I manage investments. In this year’s letter he writes, “Investing is often described as the process of laying out money now in the expectation of receiving more money in the future. At Berkshire we take a more demanding approach, defining investing as the transfer to others of purchasing power now with the reasoned expectation of receiving more purchasing power – after taxes have been paid on nominal gains – in the future. More succinctly, investing is forgoing consumption now in order to have the ability to consume more at a later date.”Whew, it brings tears to my eyes. Each time I meet with a client, I always try to reframe the concept of “money” and “investing”. Money is all about purchasing power and it’s all about buying things at some point in time. It’s laughably simple, but to me I can think of no other concept that common investors miss. Here are three implications of missing the concept:1. Responding to volatility – It is human nature to run from scary things. Each time the market goes down, investors panic out of the market. In my opinion, the only time an investor should take his or her foot off the gas pedal of investing is when they have decided that it is time to buy things in the near term. Otherwise, all sails should be up, your hand should be on the helm and you should ignore the reports of monsters in the waters or that you’ll sail off the edge of the world. If you think about when the money you have invested will actually buys things, the answer is often not in the foreseeable future. Naturally it’s different if you are living off your investments in the present time particularly if you are in long term care rapidly draining them down, but this answers the important question of when you are going to buy things. Volatility must be looked at as only that: volatility. Volatility is simply the price of admission that you must cope with in the task of seeking to outpace inflation. Historically, speaking of the broader capital markets, volatility has never ended up being a long term risk.2. Being irrationally conservative – If an investor embraces the concept that you are taking an amount of money that has purchasing power, investing it in something and that when it is done it will have a different purchasing power afterward, then he or she would probably keep as little money in cash equivalent investments as possible. I think it’s always important to assess how much cash somebody needs to have on hand, but then to highly discourage having anything more than that figure. I have no idea why somebody would get a CD for money that they are not likely to spend in their lifetimes. If somebody gets a $100,000 one-year CD earning 0.50% when inflation is 3.00% in essence they’ve lost 2.5% or $2,500 at the end of the term. If each year this was sent as a bill, I have a feeling people wouldn’t do this as much as they do. Elsewhere in the Berkshire annual report, Buffett notes that since 1965 the dollar has fallen by 86%! It takes $7.00 to buy what $1.00 bought back then. Investors who are earning a rate less than inflation are kidding themselves if they think that they any portion of that interest as “income”. And to turn the knife, that “income” is usually fully taxable. Cash is like oxygen, you want a little around you to breathe, but anything beyond that should be promptly deployed.3. Jumping into Bubbles – This type of investment shows the ugly side of supply and demand. Sometimes an investment will increase in price only because of an expanding pool of buyers and not because the investment is increasing in value. There will be a group of buyers in an investment. More are attracted to that pool not because of the investment, but only because they believe that the buying pool will expand further. The investors are not investing because of what the asset will produce (usually the asset is a zombie from a rational standpoint), but rather because they believe that in the future other investors will desire it even more. The essence of a bubble is that it doesn’t have to do with the investment itself and that there isn’t anything to numerically justify it, it’s all about expecting future buyers of the asset. To me, gold is a bubble. It is a zombie asset and the only thing driving the price is the hope that in the future somebody else will come along who will buy it for more than what you bought it for. This isn’t investing, it’s speculating. If you were given one ounce of gold when you were born, when you died you would have… one ounce of gold. The cruel experience is that investors usually see prices rise and it justifies their investing hypothesis – at least for a while. As a financial advisor, there’s no shame in telling people they shouldn’t invest in something based on principle and then to see the prices of that investment rise afterward. There’s no shame in being temporarily wrong.I think that when investors seek to denominate their money in a manner which orients it around the reality that people purchase things now and in the future, then they are likely to let go of their primitive fears that cause them to do foolish things. 5 years, 10 year, 50 years, 100 years from now humans will consume more than they do now. When you have money denominated (or invested) in a stock, it is a piece of a company that in the natural flow of business will raise its prices along with seeking to expand its sales (which all things equal, should happen simply by population growth and also perhaps by the emerging consumers across the globe). Some investments are designed to keep up with rising prices, others are not designed that way.There are strategies that compliment this, but before investing you have to embrace that it’s about purchasing power and guarding that. Secondly, that if you aren’t exercising your purchasing power (otherwise known as buying things), it’s unlikely that you have any rational reason to cash out your investments. History has taught us that this approach consistently works so long as people don’t let their emotions take the helm.