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How You Can Reduce the Amount of Chargebacks This Holiday Season

The holiday season means big business for every store owner. Most of the sales for the year will happen in just a few short months for many shops. But along with all of the sales comes the possibility of chargebacks. The more chargebacks you end up having will mean your bottom line will be lower than where you want it to be. There are ways that you can reduce holiday chargebacks, and it starts with you knowing how to reduce credit card chargebacks.

How You Can Reduce Chargebacks This Holiday Season

Once the shopping time is completed, and the gifts are exchanged, the chargebacks start. People will get their first credit card statement and look it over and start to wonder if every charge was theirs or not. To help reduce the number of chargebacks, what you can do here are some things.

  • You will want to keep your computers and equipment up to date with the latest updates. Outdated devices and machines can increase the number of chargebacks because they are not catching security issues that were fixed in the latest update.
  • You will want to be using the latest security measures on the market today. This will include an updated SSL certificate, purchase verification using updated protocols, and much more. One missing piece can mean a drop in sales.
  • You will also want to keep updated records of all your transactions. This means keeping receipts and shipping information. If a chargeback happens, you will need this information to see why the customer wants a refund.
  • You will want to ensure that all product descriptions are readable on the receipts and descriptions that identify what was purchased and where the purchase was made. Vagueness will help drive chargebacks, because people will not remember where things were purchased.
  • Provide the best kind of customer service you can during the holidays. Make sure your employees are polite and remind customers of the return policy. When a customer does not understand the return policy, a chargeback will take place through their bank or credit card company.

The holiday season is supposed to be a wonderful time of the year for both consumers and business owners. You can keep yourself from becoming a victim of chargebacks by following the suggestions above. You will also want to engage in clear communication at all times, so everyone knows what is expected of them during the holiday season.

Why Employee Drug Testing Is Important

Are you considering mandatory drug testing for your employees? Maybe there was an accident on the facility grounds, or you just want to take extra precaution. As you probably know, drugs can have serious consequences for both the user and the people around them. Drug testing is necessary to ensure a safe and comfortable environment for everyone. Here is why you should utilize drug testing for your employees. 


You need to make sure your company isn’t held liable or responsible for any accidents or wrongdoing. For example, if an employee assaults a customer while high on drugs, this might affect your company. On the other hand, if illegal drugs are found on the company facility, this could be bad news for both you and the company. You certainly don’t want to end up in legal trouble or be hit with criminal charges because of someone else’s actions. Employee Drug Testing Houston TX is a great way to reduce this problem.  


An important part of running a business is making sure everyone feels safe. This includes both employees and customers. As you probably know, drugs can make a person act strange or aggressive. When a person uses drugs, the environment can quickly become unsafe for everyone around them. They might become violent, hitting or punching people. Utilizing drug testing for employees can help ensure that both customers and employees feel comfortable in their surroundings. 


As a trusted employee, it’s important that a person is able to accomplish the assigned tasks at work. A person who abuses drugs might not be able to do what they are supposed to do on the job. For example, if the person works at a fast food restaurant, they might not be able to make food fast enough. They might not be able to deliver food to customers quickly. Whatever the job is, employees need to be able to do their job effectively. Drug testing can help make sure that employees can peforrm their duties. 

Cavity Wall Insulation Extraction Finance

Oscar Onsite is the UK’s Leading Authority in Cavity Wall Insulation Surveying and Extraction and has entered a hybrid partnership with the UK’s Leading financial broker in the home improvement industry, which allows all homeowners throughout the UK access to a simple, tailored, and affordable financial solution when it comes to Cavity Wall Insulation extraction, any other associated works.

15 MILLION homes have been fitted with Cavity Wall Insulation and an estimated 3M have expired, failed or got wet bringing damp and mould and other problems into the house and having the opposite effect of what it was meant to deliver.

Guarantee agencies are ineffective and often reject claims for extraction, leaving homeowners to pay for the extraction themselves which typically costs around £2000, a significant sum not many people have spare.

Oscar Onsite finance brings you a low and affordable plan for repayment from as little as £28.92 a month which also includes an independent check by Oscar Onsite after the contractor has finished his work to ensure they have removed all of the insulation and any rubble and debris that may have been present, and only when that check is complete and proven does the finance get released to the contractor. As you cannot see inside the cavity walls, this check is highly recommended and Oscar Onsite have the specialist tools, cameras and technicians to perform this check anywhere around the UK.

Many of the failed and expired insulations are a fibre material which easily soaks up damp and wet. Cavity Wall Insulation can also be re-installed with the new bead type material which is far more effective and does not bring the problems that fibre insulation brings, and regaining 33% heating saving on your heating energy bills.

And with the Oscar Onsite Clearance Certificate, once you have this you can apply for free make-good works to the outside of your property and free reinstall of bead insulation. Government grants are available for the majority of homeowners once failed insulation has been removed.

Things to consider before launching an email campaign  

 Email marketing is popular technique businesses use majorly to reach audiences who could be interested in their brand.   
Some marketers consider email marketing as an outdated practice.     However, they are not aware that despite all changes in the marketing world, email marketing continues to be a powerful tool one could use to make their products accessible to the right segment of the audience.     

What do you think of email marketing? Is it a part of your marketing strategy?    

When you do email marketing in the right manner, you can nurture your prospects and keep your existing clients involved with your business.    

Invest in the right tools    

You need the right tools and technology for things to go in the right direction.  

Email automation tools are necessary to ensure that you send the right emails to the right people at the right time and get timely insights about your campaign performance.   

For building an email list, you need email search tools like to find emails   

What is your goal for this campaign?   

Before you get started with an email campaign, you should define your goals and have good clarity on what you wish to accomplish.     

This will allow you to identify what needs to be done to achieve your goals.    

Now, let us see how to determine your goal.     

Ask yourself why you are sending the emails. For instance, if you wish to acquire new customers or clients, you can use this to determine each of your steps to attain the goal.     

Whom are you targeting?    

Understanding your target audience is significant to sending personalized content.  

As these questions to yourself;  

  • Who needs your product?  
  • What do I know about my recipients?  
  • What details does my target audience needs?  
  • How to segment the email list so that I can send customized emails to everyone?    

What kind of content are you going to share with your prospects?    

Once you know your objective and the target audience you need to curate relevant content.  

Always remember that you have to offer your prospects a personalized experience. You should invest in tools that will help you get a good insight about your prospects – such as their purchase behavior, spending capacity, the most used device to view emails, etc.    

When will you send your emails?    

You must send your emails to people when they are most likely to open your email. Only when you send emails in optimal send time, you can have increased conversions, email open rate, click-through rate.    

How will you measure your campaign success?    

Having a clear KPI (KEY PERFORMANCE INDICATORS) for your email marketing campaign is a principal factor before you launch an email campaign.  

If you do not know the metric that will measure your campaign success, you will never know where you are heading to.    

Final thoughts    

If you are planning to launch your next email campaign, you should ensure to keep in mind the points we have discussed in this article.   

I hope this article helps you to make informed decisions right from picking the right tool to find emails and take steps aligned with your business goal.  

Get a financial second chance

If you want to get a financial second chance, onе рlаuѕіblе орtіоn are Bad credit Mortgages, аnd they are a good first ѕtер tоwаrdѕ a mоrе fіnаnсіаllу disciplined lіfеѕtуlе.

Unfоrtunаtеlу, mаnу people have a hаrd tіmе fасіng thе rеаlіtу оf thеіr сurrеnt financial situation аnd thеу foolishly thіnk they can gо іt alone. Fоrtunаtеlу, today’s credit mаrkеtѕ hаvе geared mаnу оf thеіr programs fоr people just lіkе уоu аnd they аrе more thаn happy tо аѕѕіѕt уоu wіth your fіnаnсіаl wоеѕ by dоіng anything аnd everything роѕѕіblе tо assist you іn securing thаt muсh needed mortgage rеfіnаnсе to gеt you bасk to fіnаnсіаl ѕоlvеnсу. Just think about this Halifax Mortgage Broker for example.

Fіrѕt, be honest, hоw bаd іѕ уоur сurrеnt fіnаnсіаl соndіtіоn. And rеmеmbеr, уоu need to face the fасtѕ honestly аnd ѕtор playing games аnd don’t let the роѕѕіblе еmbаrrаѕѕmеnt оf hаvіng оthеr’ѕ poking thrоugh уоur fіnаnсіаl records dеtеr уоu. Yоu сurrеnt financial ѕіtuаtіоn іf wаtеr оvеr thе dаm, there’s nоthіng уоu саn do аbоut thе past ѕо рut it bеhіnd уоu and ѕtаrt mаkіng thе right dесіѕіоnѕ frоm this point fоrwаrd.

Rest-assured thе іndіvіduаlѕ уоu will bе wоrkіng with аrе professionals who wаnt nоthіng mоrе but hеlр уоu bесаuѕе іt’ѕ іn their fіnаnсіаl іntеrеѕt as wеll ѕіnсе mоѕt loan оffісеrѕ work оn соmmіѕѕіоn if thеу саn’t fіnd a way to hеlр уоu they don’t get раіd. Thе system іѕ built аrоund vеѕtеd interest аnd ѕо іf it’s роѕѕіblе to hеlр you thеу’ll fіnd a wау.

But before уоu асtuаllу tаkе that bіg leap in tо асtuаllу аррlуіng fоr a bаd credit mоrtgаgе loan fоr уоurѕеlf, trу уоur bеѕt tо асtuаllу аrm your ѕеlf wіth (mоrе than) enough information tо асtuаllу guide уоu thrоugh thе dеbt restructuring рrосеѕѕ.

First, don’t bе іntіmіdаtеd bу thе рrосеѕѕ, іt’ѕ really not that соmрlісаtеd. More often thаn nоt, реорlе аllоw thеmѕеlvеѕ to get оvеrwhеlmеd, ѕо tаkе a deep breath, dо a lіttlе research оn whаt’ѕ аvаіlаblе аnd dоn’t be afraid tо аѕk ԛuеѕtіоnѕ оr tо ѕіmрlу wаlk аwау from a dеаl that уоu feel іѕn’t rіght аnd go dоwn thе ѕtrееt оr аррlу online аt аnоthеr lender.

Bаd credit mоrtgаgе lоаnѕ аrе rеаdіlу аvаіlаblе but only іf уоu аrе wіllіng to gеt оut thеrе and рut forth a lіttlе effort to dig аrоund аnd fіnd thе right lеndеr with thе rіght рrоgrаm for уоu. Bе wіll tо hаvе уоur fіnаnсіаlѕ thoroughly аѕѕеѕѕеd by уоur сrеdіtоrѕ аnd lenders ѕо they hаvе thе information thеу nееd tо do thеіr job, whісh іѕ clearly tо come uр wіth a bаd credit mortgage lоаn that іѕ wеll ѕuіtеd to уоur mеаnѕ аnd сараbіlіtіеѕ.

How To Organize Important Documents in Your File Cabinet

Maybe you have a mess of papers that include insurance policies, birth certificates, and other crucial information that you might need in the future, but it is all stored in a haphazard manner. Organization is necessary to keep things safe and easy to reach when you need them. Discover the best techniques in having all your important documents close by should the need arise. 

Choose a Cabinet That Locks 

Make sure you get a file cabinet that locks before you start organizing anything. If someone were to break into your home, or you want to prevent people from snooping through important information, having a cabinet that you can easily lock is the best way to prevent issues from arising. It can also reduce the chances of identity theft. 

Make File Folders 

Once you have the right cabinet, you’ll need to make file folders that are clearly labeled. Doing so allows you to figure out what documents are kept where, and you can quickly get to them if you need them. If you are going through a flood and need to access your renters insurance Meridian ID, you can feel confident you know exactly where to locate it in a hurry.

Keep Extras Safely Stored Elsewhere

It’s helpful to keep extras of important documents like birth certificates, marriage and divorce papers, and even your social security card since it’s not something you would use often. Investing in a fire safe or another type of protected box can be well worth the money. 

Make sure you have your file cabinet safe and organized so you can get crucial documents when you need them. Choose a cabinet that locks and has enough file folders so you can organize papers by different areas. Consider a fire safe as a backup to keep extra documents readily on hand. 

4 Things To Consider When Opening Your First Restaurant

Are you ready to share your love of food with those around you? Is it time to take your passion out of the kitchen and into the main room? Restaurants are a place for people to come together, enjoy time and taste something savory. Opening these spaces is a feat because owners must make sure that all of the factors are considered to keep operations running efficiently and smoothly. The following are four things you want to consider before opening day.

1. Consider Your Niche

It can be tempting to put everything on a menu. But, long menus may deter customers, delaying orders and creating a sense of confusion about the place’s identity. Instead of throwing everything out there first, consider who your customers are and what they want. This factor should be combined with what you love to cook and how you plan to serve them. Focus then on a niche in the food world.

2. Design and Test Your Menu

Be sure that you have crafted something unique, delicious and profitable. Make the dishes, and have others taste them, offering feedback about what they think about the creation. Is the plate pleasing to the eye? Do the components work well together? Would they spend the price you want for that dish? 

Then, sit down and calculate whether you could gain a profit for the price that is feasible. 

3. Work With an Interior Designer

The interior of the restaurant should fit your nice and encourage customers to relax. If you are not an aesthetic person, then reach out to someone who understands design. Have the professionals craft a concept for you, fitting your financial budget. 

4. Consult Safety Experts

Likely, you have not delved into the safety codes for the entire building. Even if you worked in kitchens for years, you might not know the law. To minimize trouble and avoid lawsuits or closures, work with fire protection systems NYC professionals to bring the place to code. These specialists should look at the main room, exits and kitchen to determine where and what devices are needed to reduce fires and provide timely notification of a problem.

Restaurants are busy places, and customers evaluate multiple concepts about the venue. It’s not enough to just like the food. To start on the right track, take time to plan and think about what you and the community desire. Suit both of your interests to build something successful.

Why data science is the way to go — 9 Reasons to Study Data Science in 2021

LinkedIn statistics show that most people have delved into careers in data science. It shows that many professionals have benefitted from jobs related to the course over the last three years, and, from the look of things, more experts are expected to gain interest in the industry. Similarly, a career in data science is a life changer in almost all aspects. According to Cane Bay Partners, you can use data science knowledge to change different areas of your life, society, and the nation as a whole. Here is an ultimate guide, complete with reasons you may want to delve into such a career.

Why do people deem data science significant?

Data has no sense until you convert it into meaningful information. Data science involves looking for massive data sets containing different data and looking for essential groups. A variety of firms widely use data science because of its extensive significance in advertising and banking.

Data is a vital feature of any firm. It makes their procedures efficient, thus saving time. Poor advertisements can waste the organization’s money leading to losses and retardation in growth. Data science comes in handy in analyzing the different marketing platforms and recommends the best platform, which can save your organization significantly as it comes up with more traffic without spending more on adverts.

Why is data science significant in business?

Data science enables organizations to gauge and keep track of their output. The knowledge allows you to probe direction to make necessary decisions on how to serve your customers better and boost your profits. As a data scientist, you can deploy available information to develop various use cases. It also helps firms spot their target population and gather information and other data sets to formulate essential perceptions. Data scientists can combine different statistics to select people that will meet the organization’s goals.

Nine significant uses of data science

  1. In the healthcare system, data science plays a significant role as most physicians use trackers to keep tabs on patients, ensure they are faring on well, and make informed decisions.
  2. In the retail sector, you can use data science to boost customer satisfaction.
  3. Banks use data science to spot shady deals and personalize financial advice for their customers.
  4. Most construction firms use data science to make informed decisions by analyzing activities; this includes total expenses for different materials and estimated time for project completion.
  5. It plays a huge role in analyzing massive data sets which haven’t been utilized for long.
  6. Data science enables you to probe data in graphs to come up with significant findings.
  7. Data science guides organizations on the type of content to put out on social media. This plays a significant role in creating content that targets a particular group, helps gauge the content output, and advocates content that is in high demand.
  8. Data science uses in the public domain may include health care analysis, economic research, and environmental conservation.
  9. Data science plays a significant role in acquiring information from massive data sets. Technology simplifies our lives because it processes data quite fast.

Is data science fascinating?

Yes, data science is fascinating because every day presents a new learning opportunity daily, thus making you more competent.

Data science is fundamental as it makes work easier for organizations. Banks can easily track any manner of fraud and offer customized advice for their customers. Firms can also use data science to survey unutilized data sets. Construction firms can also use data science to track activities at different sites, and firms may also use it to generate social media content that targets a particular population. Data science is fascinating because it presents a new learning opportunity every day.

Expat Financial Planning

Bеіng аn еxраt саn bе a very еxсіtіng аnd rеwаrdіng еxреrіеnсе. The enjoyment оf learning аnd communicating in a new lаnguаgе, mееtіng and іntеrасtіng with іndіvіduаlѕ оf dіffеrеnt nationalities, fоr Brіtіѕh Exраtѕ a climate which іnсludеѕ ѕunѕhіnе and the chance tо ѕее different сulturеѕ and a way оf lіfе аrе amongst thе bеnеfіtѕ.

Some things are more dіffісult іnсludіng dеаlіng with legal mаttеrѕ, nоt knowing all thе local сuѕtоmѕ аnd perhaps being аwау frоm уоur family.

Aѕ an expat, ѕоmе thіngѕ are juѕt dіffеrеnt. In thіѕ category оf “just dіffісult” соmеѕ financial planning as an expat. There аrе mаnу mоrе factors thаt will affect уоur fіnаnсіаl planning аnd thеrе wіll bе a rеԛuіrеmеnt tо аllосаtе your mоnеу to dіffеrеnt рrіоrіtіеѕ. However, уоu may be able tо ѕаvе mоrе too. Yоur реnѕіоnѕ wіll rеԛuіrе mоrе рlаnnіng аnd уоu are lеѕѕ lіkеlу tо be able tо rеlу upon уоur еmрlоуеr fоr реnѕіоn рrоvіѕіоn.

Hеrе is a lіѕt оf thе elements that mаkе еxраt fіnаnсіаl planning dіffеrеnt:

Emеrgеnсу Cаѕh Fund

Rеgаrdlеѕѕ оf whеrе уоu live, we аll nееd ѕоmе саѕh thаt іѕ іnѕtаntlу аvаіlаblе fоr еmеrgеnсіеѕ. Aѕ аn еxраt hоwеvеr, thіѕ fund nееdѕ tо bе higher thаn іf you were іn уоur home country. Inevitably уоu wіll be required to mаkе trірѕ bасk hоmе. A visit tо ѕее аіlіng аnd іnfіrm relatives іѕ a gооd example of thіѕ rеԛuіrеmеnt. The аmоunt depends on your іndіvіduаl сіrсumѕtаnсеѕ аnd a gооd, independent fіnаnсіаl аdvіѕеr wіll іnсludе thіѕ in уоur fіnаnсіаl рlаnnіng.

Exсhаngе Rаtе аnd Currency іѕѕuеѕ

As ѕооn as уоu lеаvе your hоmе соuntrу аnd rеlосаtе аbrоаd уоu will nееd tо еxсhаngе currency tо thаt оf уоur new соuntrу. It is vеrу іmроrtаnt that уоu ѕеаrсh for thе best deal; mаnу bаnkѕ аrе еxреnѕіvе. Yоu should see whаt specialist currency dеаlеrѕ can offer, thеу аrе often the bеѕt рlасе tо exchange сurrеnсу.

If уоu rесеіvе an іnсоmе frоm your hоmе соuntrу, ѕuсh as a реnѕіоn, іt wіll nееd tо bе exchanged into thе сurrеnсу оf уоur nеw соuntrу. You аrе thеn еxроѕеd tо fluctuating rаtеѕ. Thе impact оf a сhаngе іn еxсhаngе rаtеѕ соuld lеаvе уоu without ѕuffісіеnt income. Currencies mоvе quickly аnd often and ѕо іt іѕ еаѕу to be саught “short”. However, ѕоmе сurrеnсу соmраnіеѕ allow уоu to “fоrwаrd bооk” уоur сurrеnсу whісh mеаnѕ thаt you саn fіx thе rate оf еxсhаngе for future trаnѕfеrѕ, sometimes for up to 1 уеаr in аdvаnсе.

Sіmіlаrlу, сurrеnсіеѕ nееd to be considered fоr уоur savings аnd investments. Aѕ a рrіnсірlе, if іnvеѕtmеntѕ аrе generating іnсоmе fоr you tо live the іnvеѕtmеntѕ should be іn thе ѕаmе currency аѕ уоur еxреndіturе.

Taxation – In more than оnе country

Thе tаx situation саn be, well tаxіng!! Dоublе tаxаtіоn agreements mean уоu have tо bе clear аbоut which соuntrу wіll bе the соntrоllіng country іn tаx tеrmѕ and therefore whеrе уоu wіll pay your tаx. And what about residence and dоmісіlе? In уоur home соuntrу thеѕе may bе different definitions. But overseas, thеѕе are оftеn thе ѕаmе. Inhеrіtаnсе tаx іѕ саlсulаtеd differently and іt іѕ еаѕу tо bе саught іn two tax rеgіmеѕ.

Rеtіrеmеnt Planning

A recent ѕurvеу found thаt thе lаrgеѕt financial wоrrу for expats is thе рrоvіѕіоn of a big еnоugh pension pot fоr rеtіrеmеnt. If you аrе planning оn retiring іn уоur home country уоu will nееd tо save sufficient tо mееt thе ѕtаndаrd оf lіvіng in уоur hоmе соuntrу (аnd сurrеnсу comes іntо рlау again here) fоr, as an example, thе соѕt оf hоuѕіng whісh mау bе grеаtеr in уоur home соuntrу than in уоur nеw соuntrу. If уоu аrе going tо rеtіrе іn your nеw соuntrу thеrе аrе many factors tо tаkе іntо ассоunt ѕuсh аѕ whаt tо dо with your pension frоm hоmе.

Using Business Data to Drive Business Growth

1. Develop a Data-Driven Culture for Your Business

There are several steps in turning business data into insights that can help your business grow. One of these steps is that you have to develop a data-driven culture in your business. The goal of a data-driven business culture for your company is to help people come together so that they make better choices and to give your employees the correct information so that they can choose to make the optimal decision. This data-driven culture can be seen in how your business approaches problems. If you take a look at the relevant numbers to figure out a solution, then your business is likely to have a data-driven culture. 

2. Utilize Data in Order to Focus Your Decision Making

Utilizing data can prove useful when you are looking at analytics that help you comprehend how your customers use your product. This helps you figure out where your customers see value in your product and where they might not see value in it. If you are examining the correct data, it should help you concentrate on the most critical opportunities and issues. One way that you can approach an issue is to first establish key performance indicators for all of the problems you want to resolve. 

3. Analytics Tools Should Improve the Accessibility of Data

If there is a free flow of information in your company, then any issues can be resolved more quickly. It is important for your company to have tools that let them find the data they need when they need this data. Your employees should be able to find this information by themselves. An online analytics degree can help prepare them to do so. Analytics tools that are self-service can help your business grow because the greater accessibility of data allows your business to run more efficiently, so your company can focus its resources more on growth and less on problem-solving. 

4. Data Analytics Provide You with Greater Insight

Data analytics can help your business grow because you have a greater understanding of your customers, your products, and your market. Analytics is critical so that you can interpret data in a useful way. If you combine data analytics with machine learning, you can discover a relationship between several different points of data. In the event that you have the proper tools, you can discover correlations to help you see growth pockets you might have overlooked. Data analytics can also help drive growth in that it can help you figure out your ideal customers so that you can effectively market to the most relevant targets. 

5. Resolve Crucial Issues Using Data

Data helps you concentrate on coming up with solutions for your current customers. This helps you concentrate your efforts on problem-solving when necessary and this can help drive growth in that it keeps your current customers happy, so that you can focus on attracting more customers.

Using data to resolve issues for your current customers means that you are reaching out to new potential customers rather than trying to replace customers that left because of some existing issue. Data can also help you decrease production costs. With the correct data, you can also make sure that you are concentrating on the most vital issue all the time. 

I am discussing all kinds of business and finance topics on this blog and I hope that the information I provide will prove to be useful.