at the beginning

Then, at the beginning of 2007 I finally discovered a better way. Technology had been produced and now website owners don't have to tackle these hurdles.
The answer was simple but search high and low on the forums and you will not come across it - why not?
Well, unfortunately, there is too much money in merchant accounts to be lost if webmasters took up these advances.
I hope to change that by revealing the answer.
It's mobile phone payments - you can get setup within 24 hours, and your clients need nothing more than a mobile phone with credit on it.
That's it! - No ID, no address, no credit cards.
There's also nothing for the website owner to set up, no need for their OWN credit record to come into it, no difficult applications to go through, and, best of all, guaranteed payments with no chargebacks nor penalties.
The fees are tremendously cheaper than any other processing I have ever known and can even be paid by the client.

Just look at the cash all the TV virtual reality programmes are making - well, now it's our turn.
How about if you could sell ebooks,info products, music, ringtones or any other downloadable items at that rate? Well now you can.

Religious Stew - PC Poison in the Po

With apostasy (falling away) running rampant in the church and PC’s impassioned call for diversity and tolerance in religion what are the implications for America? Let’s see.

When Jesus asked a crowd of people who felt their religion justified them about what he would find at his second coming he said “Nevertheless when the Son of man cometh, shall he find faith on the earth?” (Luke 18:8) No one in the crowd answered him because the answer is understood. The answer is of course; no! So what replaces faith, what could possibly pre-empt faith in the gospel. The answer is unlikely and odd; it is religion itself.

Religion if centered on the finished work of Christ creates a good supplement to express and renew faith but it often becomes a substitute instead of a supplement. In the apostasy this substitution is accelerated by ecumenicism, syncretism and liberalism. The need to bring all religions under one roof is expressed most often in the penchant for ecumenism. The catalyst for ecumenicism is syncretism which is a forced alignment of differing doctrines and beliefs so that one size fits all. Syncretism cannot be accomplished without liberalism. A lax attitude that says one religion or any particular belief is as good as any other. It is liberalism’s key to unlock the kitchen cabinet and throw in anything and everything into the pot.

It does well to note that while the secular world view of strict evangelicals, fundamentalist and any sect that holds stringently to the gospel is that they are intolerant and perhaps even belligerent, Christ does not see it that way. To him they are the blessed faithful of the earth, indeed the very “salt of the earth.” Sadly in today’s climate of PC, tolerance and diversity some of the salt is losing its savour. (Mt. 5:13)

The apostasy is not only a promise and a prophesied surety in the Bible it is one of the specific elements that help to usher in or precipitate the second coming of Christ. (2Th 2:3) The “New World Order” is predicated on the threefold idea that there must be one world government, one world economy and one world religion. The best way to stop the bickering and infighting in various religions is to throw them all into one single pot and pronounce that they are a single substance. Are they all of the same substance? Not on your life!

Did Buddha die for the sins of the world? Has Muhammad been raised from the dead? Will Oprah destroy the enemies of Israel at the battle of Armageddon? Will the city built on the God given New Earth that measures 1500 miles in height be built by the Army Corp of Engineers? No, all religions are not the same and no comparative religions course even if it is 202 or higher will explain the aforementioned with any honesty.

Liberalism in Christianity has nearly all of the same ear markings as political or secular progressive liberalism. Keep a close check on the economy, our country’s image in the world and don’t over tax the citizens and pretty much all else is of little consequence. Hollywood can dump on us and our children, legislators can promote any agenda they like and academicians can teach our children anything they choose to imagine. As long as we don’t commit major crimes we can do just about anything that comes to mind with relative impunity. That’s the secular world view and the liberal church’s view is only a little behind that.

When liberalism hits the church it is the basic tenants of the faith that get cut first. Adherence to strict Biblical doctrines and the promulgation of the gospel are attacked first. In the end the churches may still go on as usual but you can adopt a sort of 12 step approach to God and he can be “whatever you perceive him to be.” I actually heard someone say that God could be a light bulb to you and it wouldn’t matter. Sadly it makes a liar out of God and if it were possible a fool as well. Isn’t it an act of foolishness for God to let his only begotten son die for the sins of the world if they could get redemption in any other of a myriad of ways? What a waste.

Not everyone in the Christian church goes gutless as the New World Order comes waltzing in. Some churches and believers will remain faithful to the simple gospel of salvation till the very end. As with any good army someone is on the front “holding the line.” They will take the fire and many will make the ultimate sacrifice if necessary. Will it be necessary?

According to the Prophet Daniel and the book of Revelation the believers will most certainly undergo a direct onslaught from the coming world dictator known today only as the antichrist. Not as well known is the fact that he will cast off the ecumenical and liberal churches first then go after the remaining faithful. He (antichrist) will have no mercy on any religion, the Muslim, Judaic and Hindu religions will not escape either.

It will be a life and death struggle that for a while will look completely hopeless. That hope will suddenly shift back to the church at the end of antichrist’s rule because Christ himself will intervene. No wonder the Apostle Paul referred to that shift as a “blessed hope” in Titus 2:13. At the end of the antichrist’s rule the hope of every true Christian will become sight, they will see their Lord subdue the earth and remove the governments of the planet away from the hands of men.

The arch deceiver (Satan) is also the arch distracter. He can lead the apostate church (some of them) away with what seems like wonderful causes and missions like global warming, social causes, and a plethora of similar tripe. Those who know the scripture know full well that global warming has nothing to do with the coming judgments and will not be how the would comes to its knees. Both the penchant for personal and collective sinfulness is what’s warming up much faster than our temperatures are climbing. Social issues all syrupy and general will be as successful as the peace movement has been. Peace? There have been more wars in the past 100 years than all of the rest of history combined and the end is not in sight.

Churches that have not succumbed to the prosperity gospel or the emergent church doctrine, dominion-ism, Oprah-ism, New Age, and another half dozen or so hair brained latter day schemes are often taken in by something apparently much easier to swallow. The social gospel is full of PC attractive causes that no one would dare argue against, they come with a conscience soothing balm called “substitutionary behavior.” In short that means doing good stuff to offset a bad life and total rebellion to God. Being concerned cannot divert being condemned; the wages of sin is still death Ro. 6:23. The death of a soul is never very social and the jingle of change in an offering plate is not a substitute for a change in the way we live.

This isn’t angry talk it is desperate talk. God desperately loves mankind and has offered ample proof of the same. He would rather we appreciate not apostate, and the message will not change until the last star falls. For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. Jn 3:16.

Knowing that God so loved the world isn’t enough at times, what is needed is the reminder that God loves you. It is a personal, one on one matter for each man or woman. In 1948 legendary song writer the late Hovie Lister who began one of Southern Gospel music’s most beloved groups, “The Statesmen,” may have said it best in the last two verses of his famous song “How Long has it Been.”

How long has it been since you talked with the Lord And told Him your heart’s hidden secrets? How long since you prayed, how long since you stayed On you knees till the light shone through?

How long has it been since you woke with the dawn And felt that the days’ worth the living? Can you call Him your friend, how long has it been? Since you knew that He cared for you?

Tips For Choosing High-Performance Mutual Fund

Most people who invest in mutual funds don't know what they are doing. They take advice from someone at a bank or perhaps a friend and plunk down money into a fund. Sometimes this strategy works, but most of the time, it doesn't.

When you invest your money in a mutual fund, you are trusting someone to invest in the stock market for you. Because of this, you want to be sure this person knows what he or she is doing. Also, you want to make sure that this person is not charging you too much to manage your money for you. Mutual funds fees are "hidden," in the sense that they do not charge you an upfront fee but rather a percentage of the amount of money in your account. If this percentage is too high, you would do better just blindly picking stocks yourself.

Here are five helpful tips for choosing the right mutual funds.

1. Keep the fees low. Generally, expense fees should not be much higher than 1% if it is just a basic domestic equity fund. You should never invest money in a fund that also charges a "load," which is an additional fee that is ridiculous to pay. Never invest in funds that charge loads; those funds are for suckers.

2. Check the asset base. Mutual fund managers only know of so many good investments. When they have too much money to manage, they begin investing in stocks they don't like much but need to invest in anyway or else they'll just have money laying around. There's little reason to invest in a fund with over $5 billion in assets. It's best if it's under $2 billion generally.

3. Consider an index fund. This is a fund that tracks a stock index, such as the S&P 500. For these funds, the manager just buys whatever stocks happen to be in the index. Since this is not much work, the fees are much lower. Even though this method is simple, it has proven to perform better than most mutual funds. Some high performance index funds include FSMKX (Fidelity S&P 500) and VIMSX (Vanguard S&P 400 Midcap.

4. Evaluate the fund's strategy. If you have a long term outlook, look for a more aggressive fund that invests in small-cap stocks, international stocks, and riskier stocks in general. High risk tends to result in high performance in the long run. If you are more risk-averse, consider an S&P 500 index fund.

5. Keep the fees low. Did I mention this already? Well, I'll mention it again. This is where most people mess up. Make sure you are not paying a load or paying too much in fees to the mutual fund.

More information about mutual funds can be found at Research Mutual Funds.

Pros And Cons of Different Types Of Investments

When deciding where to invest your money, you need to always take into account your investment goals and objectives. Different types of investments carry varying degrees of risks and potential return.

CD

A bank CD is a very safe investment. The CD is FDIC insured up to $100,000, so there truly is minimal risk. The only downside is that you cannot withdraw that money in the CD for a specific amount of time or else you'll receive a penalty. Bank CDs generally only pay up to 5% interest.

Bonds

A bond is essentially a loan you make to a company or a government. Bonds have varying degrees of risk, from essentially risk-free treasuries to junk bonds. The higher the risk of the bond, the higher the return will generally be.

Stocks

Stocks are investments in companies. Depending on the company, the risk of the investment can be high or low. Obviously, buying stock in Johnson and Johnson is a lot less risky than a new internet startup company. In general, the stock market returns on average about 10% a year, though the actual return of any given stock will vary significantly.

Mutual Funds

A mutual fund typically invests in over 100 stocks, so it's an instant way to diversify your portfolio. However, the mutual fund generally charges a fee, which is about 1% of your assets per year. Because of this fee, most mutual funds do not outperform the market; a monkey blindly picking 100 stocks but not charging you a fee could easily outperform most mutual funds.

Real Estate

Real estate is a popular investment. The most obvious real estate investment you'll make is when you purchase your home. Your home can go up or down in value when you sell it; it depends on the housing market in your area.

Creating A Business Image That Counts

Many things can contribute to creating the business image that you want and they should all be considered before you rush into having anything printed to promote your business.

Start with the very name you call your business. When deciding on the name consider just what the image is that you are trying to convey e.g. fun, serious, sensitive, caring, knowledgeable, etc. Don't have the name too long or too difficult to pronounce or spell.

As well as a short name, if possible it should also give an idea of what the business is about. This will help your potential customers to recognise and remember your service/product. You can also create an image or 'branding' by supporting the name with a logo (a graphic or drawing) to help customers visually recognise you. A logo does not have to be complicated - it can simply be your name, which is written in a particular way e.g. Coca Cola just uses the name of the product written in a specific style.

In most countries you have to legally register your business name. In Australia registration allows you to have an individual name for your business that is not identical or similar to another business name within the State where it is registered. The cost of registration is around $70 in most Australian States.

As you may not get your first choice of a name, the registration form allows for alternative suggestions. Do not make the name of your business too long. It is difficult to fit in computer fields, and you may find clients end up abbreviating it.
Registration will not necessarily protect the rights of the name from being used by other businesses especially if they create a company or add another word in front of the name.

Starting a Home Business Using the Internet

Starting a home business I not an easy task and to make things harder there are so many myths attached to starting a home business that it can become quite confusing. Some people get an idea in their head and just take off. Starting a business for them is easy. The majority of people, however, end up having the desire to start a home business before the actual business idea comes to them. Once they begin thinking about actually starting a home based business they are overcome with many myths that make it seem next to impossible to succeed.

One of the biggest myths about starting a home business is associated with the internet. The internet has opened many doors to home business owners, but at the same time the complexity of the internet has caused many to give up and abandon hope that they can ever get a business to be successful. Many people believe that the internet is a vast marketplace that is too he to compete in. That is simply not true. There are many small home businesses that are doing great on the internet. It is all a matter of knowing how to run a business website. A person has to understand about marketing and setting up a website. Once they've established their online presence they can make great money.

Another internet related myth about starting a home business is that there is no help available for the business owner. Anyone who has went to a search engine and typed in business will now this is not true. There are online networks of websites that are all aimed at helping people succeed in internet business. These people offer free information and plenty of support. A person can find answers to almost any question they have and even talk to others who have started their own business. The internet business environment is one of helping others.

One myth that may hold some truth is that marketing online is impossible. While it is, obviously, not impossible it can be difficult for the beginner. Starting a home business online requires plenty of research into internet marketing. The marketing tools used online are very different from those used in the traditional environment. A person has to understand how to drive traffic to their website and how to catch the attention of their target market. As mentioned above, there are plenty of resources available to help a person get their marketing plan in order.

These myths about starting a business all make it look impossible to tap into the internet marketplace. These myths are quite untrue and should be ignored. It does take hard work and dedication to start any business, but using the internet just opens up a business to a huge marketplace and offers additional opportunities that a traditional, offline business does not have. It is worth it for every business owner to look into the internet when starting a home business.

What You Will Need To Start A Successful Business

Starting a home business is a very important decision, and there are some typical home business resources you will need to have in order for you to succeed. Home business resources are assets, services and systems you will need to make your home business run smoothly; and also other steps you will need to take to make sure that you will succeed with your business.

So, to start a successful home business, what resources and steps do you need to take?

? A clearly laid out business plan. Without a business plan and goals to achieve, then you can not get anywhere. A business plan will map out what you need to succeed and how you will achieve your goals.

? Good research. Whatever your business will need, you will need to be well informed about it. So you will need to do me research so that you become an expert on the niche, product or service. Knowledge about the business is an important home business resource, so you must do the necessary research to be well-informed about the industry or product/service.

? A well set-up office. Your office is another important home business resource. You will need to be productive while working from home. You will therefore need an office that has all you will need to run a smooth business; a computer, printer, internet access, fax, telephone, business cards and a conducive work environment. A suitable desk and appropriate lighting in your office is also an important resource that is often underestimated in its importance. You will sometimes work for many hours in a day, and your work space needs to be comfortable. Allocate some money towards setting up a working environment you will enjoy working from everyday!

? Some money to cover capital outlay and running costs is an important home business resource which you will need. Any business requires some form of investment, and you will need to know how much you have, and how much investments and ongoing marketing your business will need for it to succeed. It is therefore recommended that you start your business while you are still employed, so that you have some income to live on while you are still building your business.

? Support system. This can be a mentor; someone who has succeeded with a similar business, or simply your family and friends. You need to have people close to you who will encourage you and give you any support you need. You can also join a forum of people with the same business like yours. A good support network is a very important home business resource.