#American Express Card Balance

[todaynewsonline]

Best Balance Transfer Credit Card: The Ultimate Guide

Best Balance Transfer Credit Card: The Ultimate Guide:- In today’s fast-paced world, managing credit card debt can be a challenging task. If you find yourself burdened with high-interest credit card balances, a balance transfer credit card can provide a viable solution. In this comprehensive guide, we will explore the concept of balance transfer credit cards, their benefits, factors to consider…

[wewontbesleeping]

ok it’s so annoying when places don’t take certain cards so you get all the way through and then they’re like ohhh you have American Express? absolutely not

[emerald-truth]

tarot reading for scavenger hunt item 8

One day, before the big snooze, Frank did tarot readings for some of her girlfriend's mysterious coworkers with her special lovers' deck. Here is what she found:

Three of Lydia's coworkers visited me that day to ask about their work crushes. Without giving away anything about what they do of course. Just like Lydia, honestly! For all of them though, I used my lovers' deck to do a reading with one card for their perspective on the relationship, one for the crush's perspective, and one for their relationship and future overall.

My first visitor was a shy, sweet American named Felix. The poor boy told me he was in love with his best friend. I've seen plenty like him before, pining for someone who only ever notices them in the wrong way. At least as far as they can tell. But we're here to see what the cards can tell, so let's consult them.

The nine of cups shows us Felix's feelings about the relationship. Cups are an emotional suit and the nine is a strong expression of that emotion. But even just from speaking with him I could tell Felix has strong feelings for this person. He shouldn't worry about whether the friend will turn him away if he confesses because his love for them is already obvious, even if they don't realize its nature. This is also the only non reversed card in the spread, showing that although Felix's feelings are certain, his friend's and their future are weaker at the moment and will depend on what actions he takes.

The eight of staves reversed represents a sudden change that is being delayed or held back. This suggests that Felix's friend is waiting for him to make the first move, after which he will make a decisive choice.

The two of coins represents balance, especially in work or practical matters. Knowing that this is a work friend especially makes me think this represents how well Felix and his friend balance each other out and work well together. Because it's reversed however, there's an aspect of that relationship they have yet to unlock, perhaps a romantic one.

My overall advice to Felix is that his friendship is strong and his friend knows they're very loved, so this is just the right time to try to take that friendship further. If he takes the right actions, there could be a big change in his relationship which makes it more complete.

My next customer was a man named Alec. I do hope he found some peace in his life, he seemed very wound up. But the cards do predict some possible romantic success in his future.

The five of cups is a card that represents great turmoil, but the fact that it is reversed means Alec is beginning to move past those troubles. In this card, someone looks only at the negatives in life and never sees the possibilities. Being reversed in this position suggests that by considering a new relationship, Alec is starting to find the paths to happiness in his life and recover from a time of despair.

The prince of coins is someone who works hard and has a materially successful future ahead of them. In this reading, we can assume this diligent person will put that same effort into a relationship with Alec and their mutual wealth. They are also someone who enjoys the physical pleasures of this world, another positive in a romantic partner.

In the lovers' deck, Arthur and Guinevere represent the archetype of power. Like King Arthur and his queen of myth, this also comes with the wisdom to wield that power together, building on each other's strengths. I can only say that if Alec lands his crush the world had better watch out!

My advice to Alec is that this seems like a great relationship to pursue which will bring him great happiness and out of a dark time, but first he should make sure he's ready to move on from his past regrets in order to be a fulfilling partner.

My last guest only introduced himself as Q. He seemed doubtful of the tarot, but willing to ask for its advice in a trying relationship. Love and hate are not always so different from each other, and like many before him, he spoke of someone he had at first hated but frustratingly come to love. Despite his lack of faith, the cards gave him this sound answer.

Arrows in this deck represent the importance of communication in relationships and (like the traditional swords) knowledge. Both being reversed here suggests there is some knowledge lacking on both sides of this relationship. The ten of arrows or swords can also represent a decisive ending. Combining these two, when Q improves his communication with his crush, an end will come to this difficult phase of the relationship.

The queen of arrows is the feminine culmination of this suit, suggesting that Q's crush has the potential to be an open and eloquent communicator. However, its reversed position and Q's comments about this person's aggravating communication style (or lack thereof) tell me something is preventing them from sharing the interpersonal expertise they possess.

Despite these roadblocks, the final card is the famous lovers Romeo and Juliet, representing tradition. This means their relationship may take on a traditional structure like marriage. However it may also be that societal tradition is the issue constraining their relationship at the moment. Most relationships flourish when people let go of societal expectations while also creating their own forms of structure.

My advice to Q is that he try to open up to his crush and encourage them to be open with him. I would also recommend they try to find the traditions that are important to them without worrying about what other people think, just like Romeo and Juliet. Although that story is a tragedy, with the right choices, this one won't be!

After all that, I discovered that despite the secrecy, Lydia's job does have the usual workplace drama! I'm sure all these men will find happiness with their crushes. (through the power of multishipping, all of Frank's positive predictions can come true!)

[thequeenofsarcaasm]

Geto’s parents were on demon time when they made him. Face card giving American express Centurion with an unlimited balance

[unchataparis]

Don't

Liladrien Week 2024 | Day Four: Solitude

Lila’s heels clatter against the cobblestone as she walks. When she brings her left foot down at an awkward angle, the stiletto point of her shoe dives into a crevice in the ground and nearly brings her off balance. But, elegantly, surely, Lila throws her weight in the opposite direction, manages to regain her balance, manages to not break her angle, and continues on.

It’s a cool night, not a cold one, but the brisk wind and the light rain make it feel as if it should be chillier than it really is. Along Lila’s arms, goosebumps are raised. Her dark red backless minidress looks good and costs a pretty penny, but doesn’t really do anything against the elements. Along Lila’s flank is an embossed black mini bag, containing her phone, her wallet, cosmetics, and nothing else.

Her reflection drifts alongside her in darkened windows and the glossy hoods of cars as she walks. Above, the sky is the shade of David Lynch’s Blue Velvet (1987). Lila could see cars in the distance. Lampposts flicker in and out.

Lila is far from the heart of Paris.

Ah, Paris, this lonely, dark, arrogant city. With its enviable history and funny people. Lila will never get over the way they pronounce gin . Seriously, walk up to a French person and ask them to pronounce gin.

Lila hasn’t been back in Paris for a long, long time, and she plans to thoroughly enjoy her temporary sojourn.

At the edge of an industrial complex, constructed at the mouth of a sprawling car park, is a closed travel agent’s office. Lila approaches the dim stairs that lead to the second floor above it and climbs.

Upstairs, it’s much warmer and sightly.

Lila sighs, relishing in the heat and the classy décor. Marble pillars and an under-lit bar table. Small clusters of plush armchairs are granted the veneer of privacy by their fences of giant potted leaf figs. A waterfall wall bubbles merrily on the far side from the entrance, glowing with neon light fixtures.

As Lila walks, her heels clatter on black-and-white chequered floor tiles before becoming muffled on scarlet carpet. She approaches the bar, clenching the edge of it coquettishly while the well-dressed and reticent bartender looks up from the silverware he is polishing.

“So, um…” Lila says, scanning the shelves of alcohol lined by along the glass shelves. “Could I have an…espresso martini, please?”

The bartender puts down his silverware. He starts up the espresso machine, which purrs like an awakening leopard. Lila leans on her elbows upon the bar, watching him work. 

He stamps freshly-ground coffee into a filter, fitting it tight into the grouphead . He lays a tiny glass cup beneath the drip and presses a button Lila can’t see. The espresso machine buzzes and dark, aromatic liquid flows down. Meanwhile, the bartender has obtained a bottle of Belvedere vodka and a bottle of Mr Black Cold Brew coffee liqueur from the shelf behind him. He adds ice into a silver cocktail shaker, then measures in two shots of vodka and one shot of coffee liqueur. A drizzle of golden honey syrup, the espresso shot is dumped in, and the entire thing is shaken economically and intently.

The final cocktail is poured into a crystal-clear martini glass; alcohol the shade of Lila's hair lightening and puffing into a foam the colour of her skin.

The bartender drops three whole coffee beans on top in the pattern of a trillium and slides the cocktail over the counter to Lila.

“Thank you!” she coos, tapping her black American Express card against the EFTPOS scanner.

After she tucks her wallet back into her bag, she drops it, letting her purse hit her flank. In the same instance, she picks up her cocktail and turns around, leaning on the bar while she sips.

Lila can hear the sound of the bartender cleaning behind her. Ahead, she could see the entirety of the demure, sophisticated little bar.

The wafts of cold and mist drifting up the stairs, losing the battle with the establishment’s artificially produced heat. The glimmer of the lustrous, dim lightning reflecting off metallic surfaces. The few patrons gathered at this hour talking to each other in low voices inside cushioned alcoves. At a table to Lila’s right, a silver fox conversing with an enchantingly sweet-looking minx.

Over by the lone table facing an entire wall of floor-to-ceiling glass, is a singular man staring down at his drink.

Lila takes a sip of her martini while taking in the back of this man. She's interested because he appears to be her age, financially-comfortable , and stylish. Then, Lila pauses. And moves closer.

Adrien Agreste is nursing a half-drunk whiskey. One fingerpad circling the rim of the glass over and over again in hypnotic circles while the amber liquid glimmers like topazes. His eyes are misty and he appears to be deep in thought. He wears a black leather jacket with a white V-neck shirt, dark jeans, and YSL Wyatt Harness boots. The Tiffany & Co. silver dog-chain necklace dangling at the crux of his sternum is blank and innocent. 

“Hi,” Lila says.

Adrien startles and looks up.

“…hey,” he says.

Read the rest on Ao3

[tctteredwings]

[ harry shum jr., genderqueer, he/they ] — whoa! KIAN ZHANG just stole my cab! not cool, but maybe they needed it more. they have lived in the city for THEIR WHOLE LIFE, working as the HEAD STYLIST AND OWNER OF KIAN ZHANG HAIR. that can’t be easy, especially at only 41 YEARS OLD. some people say they can be a little bit DRAMATIC and BLUNT, but i know them to be INNOVATIVE and ACCEPTING. whatever. i guess i’ll catch the next cab. hope they like the ride back to MANHATTAN!

IN A NUTSHELL; a smudge of eyeliner, vintage clothing, piano solo's when the sun's gone down, the slight scent of hairspray, an extensive collection of disney pins, willing to do anything for their son.

tw: bullying

ABOUT.

Name: Kian Zhang Nicknames: Ki Age: Forty-one Date of birth: 21st February 1983 Birth place: Manhattan, New York Occupation: Head Stylist and owner of Kian Zhang Hair Romantic/sexual orientation: Panromantic/pansexual

Kian was born in Manhattan, New York, along with his twin sister, his best friend from the word go.

He’s second-generation Chinese-American.

As the years ticked by they found themselves not entirely happy in their own skin, they started dressing differently, wearing the occasional smudge of eyeliner, something they attempted to embrace in high school.

It didn’t go well, the bullying soon followed; accepting apparently himself was frowned upon. Despite the multicultural city he lived in, his expression was limited in his youth.

He didn’t really listen, continued on in private, with close friends he made… with a boyfriend, someone who meant the world to him as time went on. He was someone who stayed a close friend long into his thirties, despite the break-up in senior year.

It was shortly after high school that they began to go by both he and they pronouns, something that has stayed the same ever since.

Their creativity came out over time and they embraced it, choosing in the end to make their way into the beauty industry and the Carsten Institute of Cosmetology was the place to do it.

He eventually chose to specialise in hairdressing, becoming a stylist to the stars within a couple of years of graduating.

Shortly after that they found themselves caught up in a new relationship, something that was difficult to balance, but he tried his hardest.

Within a year or so a wedding was on the cards, each detail planned out meticulously. It was to be the beginning of a new chapter for him and when they found out only six months later that she was pregnant, he realised it really, really was.

Somehow, at some point during all of this he managed to open up his own salon in the Upper East Side —- somewhere that ended up with a three-month wait for appointments at all times of the year.

Not long after their 30th birthday, the family of three relocated to London, UK, a decision that was made for her work. Kian chose to work on opening a salon there instead, a small franchise that they intended to let someone else run, but with their ethics and style.

As their time in London ticked on, cracks in the relationship began to show, attempting a slower lifestyle ( despite the location ) wasn’t working —- they were both so used to being rushed off their feet.

Two years later a divorce was finalised and Kian moved back to New York. A rocky few years followed, the pair attempting to handle parenting from different continents.

He soon met someone who changed things for him, someone who made them want to try again. A couple of years passed, they moved in together, they were complete opposites in a way, yet that only seemed to make their bond stronger. They complimented one another and it was as simple as that.

But then that ended, too, abruptly and painfully. Kian did all they knew how to do, focus on work and ignore everything else going on around them. Thankfully his son is back in the States now, his ex-wife's job changing a couple of years ago, meaning she could return.

HEADCANONS.

Their wardrobe is a rather eclectic mix of things, although their most colourful side comes out when they’re working and less so at home. At home they really are about being comfortable and nothing else.

There’s always the slightest hint of eyeliner with them, they’ve never been able to let that go.

He’s been playing piano since he was small and he’s pretty damn good at it now —- can definitely give Beethoven a run for his money.

He’s got a bit of thing for 80′s music and are playing it constantly, especially in the salon.

Can’t play sports to save their life, although they like to think they were an amazing high-jumper in high school ( they weren’t, but still mention it if anyone ever brings sports up ).

They collect Disney pins and have never been particularly shy about it.

Once got stabbed with their own scissors by an unhappy client.

[mysteriouslytransparentwitch]

prince william tarot & oracle

this is a rather special reading of prince william, it is an observation on several aspects. I know some people feel offended by the attacks on prince william since the queen's death. I'm going to be honest with it, everyone is there to learn and grow on this earth, everyone has faults and qualities (Charles too), but in my opinion William must start in 2024 to really prepare because his father is 75 years. He still has a lot to learn and his father learned a lot.

Let's start with the oracle of greek mythology, there question is how prince william is perceived from above (the olympus for the greek gods)

we have Tyche's card but reversed, William has the seeds of wheat, the ability to create abundance but does not use and plow his field. We have the card of Eros, he has love, the truth in his life, he has the power of attraction like Aphrodite, to create beautiful things and to inspire unfortunately we have the reversed Iris card, he does not see the signs of the universe and the messages of the gods and we have the Alcmene card, create your own problems or the power to self-sabotage.

we continue with the oracle of past lives: prince william's knots, it's interesting, we have the scribe's or writer's card, there is a knot with learning, study, ancestral knowledge. We also have the map of the farm, plowing his fields, the notion of effort comes back here. There is a lack of spirituality with the Native American map, Diana had Native American ancestors, the connection to the universe is quite low here in Prince William.

with the energies oracle we have the map of the inverted door of values + throat chakra + all time healer = ok he feels vulnerable and helpless he can't express himself he is in his mind right now, he is trying to activate healing but he is having a lot of trouble, he hopes over time to heal and get out of this pain so he feels trapped. There is a blockage in him in his crown chakra, he cuts himself off from his intuition, from his love and friendship bonds in certain aspects.

with the akashic tarot: the question here is: what is the connection between prince william and his people and royalty: we start with the will, wisdom and spirit card: he was bathed in this aspect, he was taught or told the balance of these 3 words. But, we have the map of the watchman, it is a map where we observe a sailor with his magnifying glass in a burning boat. Here the map tells us that William is looking ahead in the direction of dry land but does not see the start of fire on the boat. I translate, if William continues on this path, he will create his own problems. We continue with the map complexities and applications of reverse work: we use the tools that can help us build our church, we do not like the details, we react in haste instead of taking the time to reflect, we asks you focus on the subtleties and keep the faith. We continue with the map of the Akashic library, once again, there is a notion of learning, reading, ancient and recent writing, you have a library full of books, the only thing to do is to open a book but you don't do it with the map of the reverse commitment, you cut yourself off from this link and this light. We have the inverted ego map = you are going to see some gaps in your view of yourself. With the garden card + autumn = certain childish or immature things must die to make way for a new flower or a revival.

With the golden tarots: we want to move forward but we don't know how and we move forward in an unstable way, we can't be very square in our professional life, be careful he may have a desire to leave for certain people or to drop certain projects due to lack of organization or lack of detail. It is difficult to understand a new status or an evolution here, be careful once again, your behavior can create losses here with the inability to harvest abundance correctly.

[fourseasonsfigs]

Mid-Autumn, Snow Mountain Edition

Now for something a little different!

This fig set / diorama is actually an individually made to order piece. There's a fan artist on Xianyu that designs and creates Word of Honor / Junzhe figures for purchase. The artist will also take commissions, but I haven't done that yet (although I definitely have some figures in mind!).

The small diorama is made out of painted wood, and the figures out of sculpting clay. The moon is a little working light that adds a bit of extra delight to the scene!

The little scene is actually quite small. The outer dimensions of the frame are 12cm x 12cm (4.7 inches to me and my fellow Americans). I put the box next to the original official Tofu figs for size comparisons. Tiny and cute!

Here we have A-Xu, as light as air (or willow catkins), floating along in a tranquil snowy mountain evening. You can tell this is a CP (couples fan) artist because in his hand he has an egg, a representation of a CP fan, dressed in mid-summer bunny ears. We also have white-haired Lao Wen, holding a tangerine, also a symbol for a CP fan. Another tangerine sits on the snow, happily looking on. It's just about as cute as cute can be. You can see how it caught my attention on the Xianyu feed!

I'm going to do a few larger angles of the whole piece first, and then zoom in for some individual closeups.

The whole piece is quite sturdy. I was really worried that pieces would break in shipping (that ribbon seemed especially vulnerable), but it was well packed by the seller.

That plastic thing up there on the right is the battery light pack - we'll get around to a better view of it.

It's a little off-balance here because of the battery pack.

Speaking of, here it is. I had to have the battery taken out for international transport, so I need to find a replacement. As you can see, the back of the frame is very solidly nailed in, so I can't, say, shine a tea light in the back and expect it to come through to the moon.

When I locate a little battery, I'll come back and update this post!

In the meantime, we'll move on to the extreme closeups of these cute little figs.

We'll start with A-Xu first, since he's the shixiong here. A-Xu's floating ribbon scarf, much like A-Xu himself, is a thing of beauty - delicate and graceful. It's one of my favorite things about this piece.

I'm going to try to get all angles I can here - bear with me!

The detail is just wonderful. Keep in mind how tiny this is! It's really extraordinary. Also, the little egg in the bunny costume is super cute. I love animal costumes of any kind!

Aww, look at his little feet! I love the layers of his robes and of course the pants and boots. This is also a great view to see the scarf / ribbon.

Alright, on to the Lao Wen closeups! It's all you, shidi.

Look at the expression on his face. I love him! The snow mountain costume looks fantastic, and the little juzipi looks about as happy as can be.

A full on view of those super adorable faces! The artist did such a wonderful job with this.

It only takes the artist less than a week to make one of these. Amazing. I would still be working on the (first) juzi, if it was me.

A photo kind of wedged in between A-Xu's ribbon scarf and the mid-autumn moon. The figures feel solidly set in the frame - I don't worry they are going to budge or fall out at all.

This is such a funny, immensely foreshortened view! All we see is chipmunk cheeks!

There was no way I was going to forget the mid-summer tangerine CP fan! Us JZP have to stick together. I gave this little jiemei a wink myself when I saw her 😉

No box or box cards here, since this was individually hand crafted.

After this little item arrived in my warehouse and I saw how wonderful it was, I bought a number of the artist's other items. I'm really looking forward to making posts of those when they arrive at my door!

Material: Sculpting clay (figures) and wood (frame)

Fig Count: 234

Scene Count: 24

Rating: 😉🍊

[link back to Master Fig Index for more posts]

[merchantaccounts1]

Alternative Payment Methods (APMs) for Online Transactions

‍‍In the past decade, the world of online payments has witnessed a significant transformation. With the rise of e-commerce and the increasing preference for mobile shopping, customers now have more choices than ever when it comes to payment methods. This shift has led to the emergence of alternative payment methods (APMs) that offer customers greater convenience and flexibility. In this article, we will explore the different types of APMs, their popularity across the globe, the benefits of accepting these methods for businesses, and how to choose the best APMs for your business.

Understanding Alternative Payment Methods

Alternative payment methods refer to any form of payment that does not involve cash or traditional credit card systems like Visa, Mastercard, or American Express. These methods include domestic cards, digital wallets, bank transfers, prepaid cards, and more. Unlike traditional payment methods, APMs offer unique advantages such as enhanced security, faster processing times, and ease of use. They have become particularly popular for online transactions, with many countries seeing a significant shift towards APM usage.

Types of Alternative Payment Methods

Prepaid cards: Prepaid cards are loaded with funds by consumers and can be used for purchases until the balance is depleted. They are not directly linked to a bank account and are a popular choice for individuals who want to control their spending.

Cash-based payments: Cash-based payment methods allow customers to generate a barcode or unique reference number for their payment and then complete the transaction by paying in cash at a participating retail location. This method is particularly popular in regions with a large unbanked population.

Real-time bank transfers: Real-time bank transfers enable customers to make online payments directly from their bank accounts. This method offers instant settlement and minimal friction for customers, making it a convenient choice for many.

Direct Debit: Direct debit allows merchants to pull funds directly from customers' bank accounts for recurring payments. This method is commonly used for subscription-based services and offers a seamless and automated payment experience.

Domestic card schemes: Domestic card schemes operate similarly to global card schemes but are limited to specific markets. These schemes cater to the unique needs of consumers in their respective markets and often provide lower processing costs for merchants.

Electronic wallets (e-wallets): E-wallets allow customers to store funds digitally and use them for various transactions, both online and offline. They offer convenience, security, and often provide additional features like peer-to-peer transfers and cross-border payments.

Mobile wallets: Mobile wallets are digital wallets that are specifically designed to be used on mobile devices. Customers can load funds into their mobile wallets through various methods and make payments conveniently through their smartphones.

Digital wallets: Digital wallets are used to store payment card information securely and generate tokenized card numbers for each transaction. They offer a convenient and secure way to shop online without the need to enter card details repeatedly.

Buy now, pay later (BNPL): BNPL services allow customers to defer payments or split the cost of a purchase into installments. This method is gaining popularity for its flexibility and convenience, particularly for high-value purchases.

Cryptocurrencies and stablecoins: Cryptocurrencies like Bitcoin have gained attention in recent years, offering an alternative form of payment. Stablecoins, which are cryptocurrencies linked to fiat currencies or government bonds, aim to reduce volatility and make transactions easier.

Popular APMs Worldwide

The popularity of APMs varies across different regions and countries. Here are some notable trends:

North America

In North America, digital wallets have become the most popular payment method, surpassing credit and debit cards. Apple Pay and Google Pay are widely used, while services like PayPal and Venmo are gaining traction among the younger generation. APMs account for a significant portion of e-commerce transactions in the region.

South America

APMs are gaining ground in South America, with a projected increase in their usage for digital commerce transactions. Credit cards still dominate, but alternative online payment solutions, such as e-cash methods, are becoming more widespread. Cash on delivery is also popular, especially in countries with a large unbanked population.

Europe

In Europe, digital wallets have surpassed credit and debit cards as the preferred online payment method. Domestic debit cards, like Bancontact in Belgium and Cartes Bancaires in France, are popular alongside global card schemes. Bank transfer methods, such as iDEAL in the Netherlands and Przelewy24 in Poland, are also preferred by a significant number of consumers.

Africa

In Africa, mobile wallets have gained popularity due to the lack of bank branch infrastructure and a large rural population. Cash on delivery remains the preferred method, especially in Nigeria and South Africa. Digital wallets are also seeing growth, particularly in Kenya and Nigeria.

Middle East

Cash has traditionally been the dominant payment method in the Middle East. However, the region is experiencing a shift towards mobile wallets due to increased smartphone penetration and concerns over the transmission of cash during the pandemic. Mobile wallet adoption is supported by the expansion of international brands and government-backed payment networks.

Asia Pacific

China has its own domestic card scheme, UnionPay, which accounts for a significant portion of global card spending. Mobile payments, particularly through Alipay and WeChat Pay, are widely used in China. Other countries in the region, such as Singapore, Indonesia, and Thailand, have their own popular alternative payment methods, including GrabPay and OVO Wallet.

The Benefits of Accepting APMs for Businesses

Not accepting customers' preferred payment methods can have a negative impact on conversion rates and lead to shopping cart abandonment. Research shows that a significant percentage of consumers are deterred from completing a purchase if their preferred payment method is not available. By accepting a variety of APMs, businesses can improve customer satisfaction, increase conversion rates, and stay ahead of their competitors.

APMs offer several benefits for businesses:

Increased conversion rates: By offering a wide range of payment methods, businesses can cater to the preferences of different customer segments, leading to higher conversion rates and reduced shopping cart abandonment.

Improved customer experience: APMs provide convenience and flexibility for customers, allowing them to choose the payment method that suits their needs and preferences. This enhances the overall customer experience and fosters loyalty.

Expanded customer base: Accepting popular local and global APMs enables businesses to reach a wider customer base, including those who prefer alternative payment methods over traditional options.

Reduced fraud and chargebacks: Many APMs incorporate advanced security features, such as biometric authentication and tokenization, which help reduce the risk of fraud and chargebacks for businesses.

Access to valuable insights: APM providers often offer detailed transaction data and analytics, providing businesses with valuable insights into consumer behavior and preferences. This data can be leveraged to optimize marketing strategies and improve customer targeting.

Choosing the Best APMs for Your Business

Selecting the right APMs for your business requires a thorough understanding of your target market, customer preferences, and business requirements. Here are some steps to guide you in choosing the best APMs:

Research customer preferences: Conduct market research to identify the most popular payment methods among your target audience. Consider factors such as geography, demographics, and shopping habits to determine the most relevant APMs for your business.

Evaluate business needs: Assess your business requirements, including cost per transaction, setup and management complexity, regulatory compliance, and compatibility with your existing payment infrastructure. Choose APMs that align with your business goals and objectives.

Partner with the right providers: Work with payment service providers that offer comprehensive coverage of the APMs you wish to integrate. Ensure they have the necessary capabilities to support your business's growth and adapt to evolving customer preferences.

Test and optimize: Implement APMs in a phased approach and continuously monitor their performance. Analyze transaction data and customer feedback to identify any pain points or areas for improvement. Regularly optimize your APM strategy to maximize conversions and customer satisfaction.

By embracing the growing trend of APMs and selecting the right mix of payment methods for your business, you can enhance the payment experience for your customers and drive growth in your online sales.

Conclusion

Alternative payment methods have revolutionized the world of online transactions, offering customers greater convenience and flexibility. From digital wallets and mobile payments to real-time bank transfers and buy now, pay later services, APMs cater to a wide range of customer preferences. Businesses that embrace APMs can benefit from increased conversion rates, improved customer experience, and access to valuable insights. By understanding customer preferences, evaluating business needs, and partnering with the right providers, businesses can choose the best APMs to drive growth and success in the digital marketplace. Stay ahead of the competition by embracing the changing landscape of online payments and offering customers the payment methods they prefer.

[onenettvchannel]

OneNETnews EXCLUSIVE: An arrest warrant from a Texan TikToker facing multiple charges in the Dallas County area due to a Suspicious Money Glitch

(Prepared by Ronnie Anne Santiago & Miko Kubota / Stringer Correspondent of Nickelodeon News & Radyo Bandera Patrol #4 news reporter of OneNETnews + Station Manager and President of ONC)

DALLAS, TEXAS -- A Texan-based TikToker named Krishna Sahay is facing controversy after allegedly utilizing an illegal money glitch found in American gift cards to purchase inexpensive items. Stronger allegations surfaced following a series of online video shorts posted exclusively on his own TikTok account, which is owned by Bytedance.

Supermarket and mall stock prices are all drop unexpectedly due to repetitious cyber money heist in Q2 2023.

In the videos, Sahay claims to have discovered a flaw in the system that allows him to buy hundreds or thousands of dollars worth of items as associated with a gift card that has no balance or had been used before. He detailed the process step by step, showing his TikTok followers how to replicate his actions professionally. The videos quickly gained attention, with many viewers expressing skepticism and shock at the money glitch. However, some expressed concern at the legality of Sahay's actions, pointing out that exploiting such a loophole could be seen as a totally fraudulent.

Several individuals reported their TikTok videos to relevant authorities in Texas, the Federal Bureau of Investigation (FBI) and the National Cyber Investigative Joint Task Force (NCIJTF), prompting an investigation into Sahay's activities. As a result, the TikTok user is now facing potential legal consequences.

Many TikTok users have condemned Sahay's actions, calling for him to be held accountable for his behavior and make amends. Some even called for his account to be later banned, citing concerns about his influence targeted to younger users. In response to affected controversy, Sahay issued a closed-door statement apologizing for his public actions online and acknowledging the legal ramifications. He is admitted that he had not fully understood the significant nature of his actions and expressed regret for any harm done.

Despite his apology, the ramifications of Sahay's actions could be significant. Experts have cautioned that taking advantage of gift card system flaws could cause additional security problems and expose consumers and businesses to fraud and other unlawful activities. The case also emphasizes the importance of spreading knowledge and encouraging responsible online behavior, particularly among the younger generation, which may be more vulnerable to such schemes than those that imitate him.

The investigation is underway as based from his activities of Sahay as it remains to be seen what the outcome will be, as according to Dallas Police Department (DPD). At this moment, Sahay will soon face publicly in court with a multiple charges of Cyber Money Heist, Money Laundering, Shoplifting and even violates policies online on TikTok.

The intense controversy serves as an unsettling cautionary tale that there are no shortcuts to success in money glitches when it comes to financial difficulties for those who might be tempted by the lure of easy money, rather than a traditional gambling point. We urgently reached out to Walgreens, Walmart and Target for a comment and to be turned over via E-Mail for this situation.

STOCK PHOTO COURTESY: Wall Street Journal BACKGROUND PROVIDED BY: Tegna

SOURCE: *https://www.youtube.com/shorts/JTPuWRHGKec [Referenced YT Shorts Relay #1 via Krishna Sahay] *https://www.youtube.com/shorts/YqjPyGpwXbw [Referenced YT Shorts Relay #2 via Krishna Sahay] *https://www.youtube.com/shorts/fq4XRQ0kupY [Referenced YT Shorts Relay #3 via Krishna Sahay] *https://www.youtube.com/shorts/8o8GGYgaYvo [Referenced YT Shorts Relay #4 via Krishna Sahay] *https://www.youtube.com/shorts/Fo6cWi43SaA [Referenced YT Shorts Relay #5 via Krishna Sahay] *https://www.youtube.com/shorts/g4gnC7Znc88 [Referenced YT Shorts Relay #6 via Krishna Sahay] and *https://www.youtube.com/shorts/VU9QAuiU4wY [Referenced YT Shorts Relay #7f via Krishna Sahay]

-- OneNETnews Team

[mariacallous]

CFPB: Why the largest credit card companies are suppressing actual payment data on your credit report

In 2020, we noted that the largest credit card companies started to deliberately suppress their customers’ actual payment amounts from the nationwide consumer reporting system. Actual payments are the amount a borrower repays each month, as opposed to the minimum payment or balance. Failure to report actual payment data means that millions of people’s credit reports are missing fundamental information about their credit card repayment behavior that could help many of them receive better financial offers and save on interest expenses.

We asked the CEOs of the nation’s biggest credit card companies – JPMorgan Chase, Citibank, Bank of America, Capitol One, Discover, and American Express – if they ever furnished actual payment information. For those that suppress it, we asked why, and if they had any plans to change their practice. Here is some of what we learned:

Major market players made the change to suppress data within a short period of time

Credit card companies didn’t say when they would restart reporting actual payment information

Companies suppressed data to limit competition

By suppressing actual payment data, the largest credit card companies are making it harder for people to shop for credit and save money. We will continue to monitor and address credit card company practices that impede effective market competition, like actual payment data suppression. We will also brief the appropriate financial regulators and law enforcement agencies on our findings.

Learn more

[oftatteredwings]

[ harry shum jr., genderqueer, he/they ] — spotted in the streets of brooklyn, it’s KIAN ZHANG. they have lived in the city for ALL THEIR LIFE, working as the HEAD STYLIST AND OWNER OF KIAN ZHANG HAIR. the 41 year old will probably be seen around BROOKLYN HEIGHTS a lot, seeing as that’s where they live. people say they can be a bit DRAMATIC and BLUNT, but friends know them to be INNOVATIVE and ACCEPTING. you know for sure you’ve found them when you’ve come across A SMUDGE OF EYELINER, VINTAGE CLOTHING, THE LINGERING SCENT OF HAIRSPRAY. welcome to brooklyn, it’s been waiting for you!

IN A NUTSHELL; a smudge of eyeliner, vintage clothing, piano solo's when the sun's gone down, the slight scent of hairspray, an extensive collection of disney pins, willing to do anything for their son.

tw: bullying, divorce

ABOUT.

Name: Kian Zhang Nicknames: Ki Age: Forty-one Date of birth: 21st February 1984 Birth place: Manhattan, New York Occupation: Head Stylist and owner of Kian Zhang Hair Romantic/sexual orientation: Panromantic/pansexual

Kian was born in Manhattan, New York, along with his twin sister, his best friend from the word go.

He’s second-generation Chinese-American.

His parents went through a divorce when he was around 10 years old, but he found himself okay with it, soon finding himself with two families and new siblings on both sides.

As the years ticked by they found themselves not entirely happy in their own skin, they started dressing differently, wearing the occasional smudge of eyeliner, something they attempted to embrace in high school.

It didn’t go well, the bullying soon followed; apparently accepting himself was frowned upon. Despite the multicultural city he lived in, his expression was limited in his youth.

He didn’t really listen, continued on in private, with close friends he made… with a boyfriend, someone who meant the world to him as time went on. He was someone who stayed a close friend long into his thirties, despite the break-up in senior year.

It was shortly after high school that they began to go by both he and they pronouns, something that has stayed the same ever since.

Their creativity came out over time and they embraced it, choosing in the end to make their way into the beauty industry and the Carsten Institute of Cosmetology was the place to do it.

He eventually chose to specialise in hairdressing, becoming a stylist to the stars within a couple of years of graduating.

Shortly after that they found themselves caught up in a new relationship, something that was difficult to balance, but he tried his hardest.

Within a year or so a wedding was on the cards, each detail planned out meticulously. It was to be the beginning of a new chapter for him and when they found out only six months later that she was pregnant, he realised it really, really was.

Somehow, at some point during all of this he managed to open up his own salon in the Upper East Side —- somewhere that ended up with a three-month wait for appointments at all times of the year.

Not long after their 30th birthday, the family of three relocated to London, UK, a decision that was made for her work. Kian chose to work on opening a salon there instead, a small franchise that they intended to let someone else run, but with their ethics and style.

As their time in London ticked on, cracks in the relationship began to show, attempting a slower lifestyle ( despite the location ) wasn’t working —- they were both so used to being rushed off their feet.

Two years later a divorce was finalised and Kian moved back to New York. A rocky few years followed, the pair attempting to handle parenting from different continents.

He soon met someone who changed things for him, someone who made them want to try again. A couple of years passed, they moved in together, they were complete opposites in a way, yet that only seemed to make their bond stronger. They complimented one another and it was as simple as that.

But then that ended, too, abruptly and painfully. Kian did all they knew how to do, focus on work and ignore everything else going on around them. Thankfully his son is back in the States now, his ex-wife's job changing a couple of years ago, meaning she could return.

HEADCANONS.

Their wardrobe is a rather eclectic mix of things, although their most colourful side comes out when they’re working and less so at home. At home they really are about being comfortable and nothing else.

There’s always the slightest hint of eyeliner with them, they’ve never been able to let that go.

He’s been playing piano since he was small and he’s pretty damn good at it now —- can definitely give Beethoven a run for his money.

He’s got a bit of thing for 80′s music and is playing it constantly, especially in the salon.

Can’t play sports to save their life, although they like to think they were an amazing high-jumper in high school ( they weren’t, but still mention it if anyone ever brings sports up ).

They collect Disney pins and have never been particularly shy about it.

Once got stabbed with their own scissors by an unhappy client.

[bizxploresite]

How Can You Maximize American Express Card Benefits?

Unlock Exclusive Rewards with Your American Express Card

American Express cards offer great rewards. By understanding how they work, you can get the most out of your spending. The key to maximizing rewards is using the card often. For example, you can earn cashback or points for every dollar spent. These points can be redeemed for gift cards, travel, or even statement credits. Many American Express cards also offer bonus rewards in certain categories. For instance, some cards give extra points on groceries or dining. It’s important to choose the right card for your lifestyle. If you love travel, opt for a card with travel rewards. This can help you save money on flights or hotel stays.

Take Advantage of Special Offers and Benefits

American Express is known for its perks. Some cards offer exclusive deals or discounts. For example, you might get access to special events or early ticket sales. Many cardholders get shopping discounts or even free shipping with certain brands. If you shop online often, these perks can add up quickly. You can also enjoy travel-related benefits, such as airport lounge access. This is a huge advantage when traveling for work or leisure. Many American Express cards also come with purchase protection. This means your items are covered if they are lost or damaged. For added value, don’t forget to enroll in programs like Amex Offers. These programs give you cashback or discounts at popular retailers.

Stay on Top of Fees and Interest Rates

To truly maximize the benefits, keep an eye on fees and interest rates. Many American Express cards come with annual fees. However, the rewards and perks you earn can outweigh these costs. Before applying, check the fee structure of each card. For example, some cards waive the annual fee for the first year. Make sure to pay off your balance on time to avoid high interest rates. Late payments can reduce your rewards and damage your credit score. Use your American Express card smartly. By paying in full each month, you avoid interest charges and keep your rewards. Keep track of your spending to stay within your budget.

By following these simple steps, you can make the most out of your American Express card. Stay informed and enjoy all the rewards and benefits it offers.

Discover BizXplore: Your Comprehensive Source for USA Contact Information

For in-depth access to extensive USA contact details, explore the BizXplore directory. Offering a wide array of listings, this resource ensures you can find specific contacts across various industries and regions within the United States. Whether you're searching for business contacts, customer service numbers, or professional connections, BizXplore is a dependable platform to streamline your search. Utilize its user-friendly interface and vast database to access the most relevant and current contact information tailored to your needs. Efficiently uncover detailed American business contact information with the BizXplore directory today.

[globetrottergurus]

Learn the SECRET HACKS to See the World on a Shoestring BUDGET

Traveling the world is often painted as a luxury reserved for the wealthy, but what if I told you it’s within reach—even on a tight budget? With a few insider secrets and strategic planning, you can unlock the door to globe-trotting adventures without draining your bank account. From finding cheap flights to saving on accommodation, here are the ultimate hacks to make your dream of world travel a reality.

1. Be Flexible with Your Plans

The number one rule for budget travel? Flexibility is your best friend.

Dates Matter: Flight prices can vary dramatically depending on the day of the week or time of year. Use tools like Google Flights or Skyscanner in order to find the lowest cost when booking flights.

Destination Deals: Instead of fixating on a specific location, let deals guide you. Apps like Hopper and websites like Scott’s Cheap Flights highlight low fares to destinations worldwide.

Pro Tip: Use the "Everywhere" search feature on Skyscanner to discover affordable destinations you may not have considered.

2. Leverage Points and Miles

Credit card points and airline miles are the holy grail of budget travel.

Sign up for travel rewards credit cards that will reward you with significant welcome offers. After completing the minimum spending requirements, cards such as Chase Sapphire Preferred or American Express Platinum could give you sufficient points for a free flight or hotel stay.

Use apps like AwardWallet to track your points and make the most of loyalty programs.

Pro Tip: Even if you’re not a frequent flyer, many cards allow you to rack up points through everyday purchases.

3. Embrace Alternative Accommodation

Hotels are great, but they’re not always the most budget-friendly option.

Hostels: Modern hostels provide individual rooms, community kitchens, and social settings at a fraction of the cost of a hotel. Check out websites like Hostelworld for options.

Airbnb and Short-Term Rentals: Renting a room or an apartment can save you money, especially for longer stays or when traveling with a group.

House-Sitting: Platforms like TrustedHousesitters connect you with homeowners looking for someone to care for their property while they’re away. It’s free accommodation with a dash of responsibility.

Pro Tip: Consider couchsurfing for a truly budget-friendly (and often culturally enriching) experience.

4. Eat Like a Local

Dining out could use up quite a bit of your cash, but there are ways to enjoy local food without going overboard.

Street Food: In many countries, street food is delicious, authentic, and incredibly cheap. Think pad Thai in Bangkok or tacos in Mexico City.

Local Markets: Stock up on fresh produce, bread, and snacks from local markets.

Cook Your Own Meals: If your lodging includes a kitchen, preparing part of your meals can help you save money.

Pro Tip: Treat yourself to one fancy meal at a local restaurant and balance it with budget-friendly dining the rest of the time.

5. Master the Art of Cheap Transportation

Getting around doesn’t have to break the bank.

Public Transit: Learn the local bus, metro, or train system—it’s almost always cheaper than taxis or rideshares.

Walk or Bike: Exploring a city on foot or by bike not only saves money but also lets you soak in the sights.

Discount Passes: Many cities offer passes for unlimited travel on public transit for a set number of days.

Pro Tip: Use apps like Rome2Rio to find the most cost-effective way to travel between destinations.

6. Travel During Shoulder Seasons

Peak travel times mean peak prices. Instead, aim for the "shoulder season," the period right before or after peak season.

Airfare and lodgings are less expensive, there aren't as many visitors, and the weather remains pleasant.

For example, visit Europe in late September or early October instead of the summer months.

Pro Tip: Research shoulder seasons for your destination to find the sweet spot between affordability and enjoyable conditions.

7. Say Yes to Free Experiences

Not every memorable travel moment has to come with a price tag.

Free Walking Tours: Many towns provide free walking tours guided by experienced residents. (Remember to tip your guide!)

Museums and Attractions: Some museums have free admission days, and many parks, beaches, and landmarks are completely free to explore.

Cultural Events: Look for festivals, parades, or live performances happening during your visit.

Pro Tip: Check out Meetup or Couchsurfing events for free gatherings where you can mingle with locals and other travelers.

8. Pack Smart to Avoid Extra Costs

Overpacking can lead to unnecessary expenses, from checked baggage fees to buying forgotten essentials.

To avoid baggage costs, travel with only carry-on luggage.

Pack versatile clothing that can be layered and worn multiple times.

Bring a reusable water bottle, travel adapter, and other essentials to avoid last-minute purchases.

Pro Tip: Learn how to do laundry on the go—handwashing in the sink can extend your wardrobe without adding weight to your suitcase.

9. Work While You Wander

Budget travel doesn’t mean draining your savings—earning money as you travel can keep your adventure going longer.

Teach English online or abroad.

Freelance in writing, graphic design, or other skills.

Volunteer in exchange for accommodation through programs like Workaway or WWOOF.

Pro Tip: Digital nomad visas are available in several countries, allowing you to legally work remotely while traveling.

10. Stay One Step Ahead with Travel Apps

Technology is a traveler’s best friend. Download apps to find deals, navigate cities, and manage your itinerary.

Skyscanner and Google Flights for airfare.

Booking.com and Airbnb for accommodations.

XE Currency for real-time exchange rates.

Pro Tip: Use VPNs to access region-specific deals on flights and accommodations.

Start Your Adventure

Traveling the world on a budget isn’t just possible—it’s exhilarating. By staying flexible, planning smart, and embracing the art of frugality, you can turn your travel dreams into a reality without sacrificing quality experiences.

Remember, the journey is as much about the memories you create as the money you save. So, pack your bags, hit the road, and discover just how far your budget can take you.

[shosiblog]

 What is the deposit and final payment plan for the entire bill? What forms of payment do you accept?

When planning your wedding, it's important to have clarity on all aspects, including the financials. One crucial element to address is the marriage decoration Coimbatore provider’s payment plan. Knowing the deposit requirements and final payment details will help you stay on budget and avoid any surprises.

Deposit and Payment Plan: What You Need to Know

Many marriage decoration Coimbatore companies operate on a payment plan that typically involves two main payments:

Deposit: A percentage of the total fee is required upfront to secure your booking. This deposit usually ranges between 30-50% of the total cost.

Final Payment: The remaining balance is due closer to the event date. This could be a week or two before your wedding day, but it varies by company.

Why is a Deposit Important?

Secures Your Date: Your deposit ensures that your wedding date is reserved. Without it, another couple may book your preferred date.

Commitment: The deposit confirms your commitment to the service and helps the marriage decoration Coimbatore provider plan accordingly.

Example: A couple planning a wedding in Coimbatore chose a decorator offering a 40% deposit upfront. This allowed them to budget comfortably for other wedding expenses while ensuring that the décor arrangements were in place.

Forms of Payment Accepted by Wedding Decorators

Understanding the forms of payment accepted by your marriage decoration Coimbatore provider can help streamline the payment process.

Common Payment Methods:

Bank Transfers: A common and secure payment method for large sums.

Credit/Debit Cards: Many decorators accept major cards like Visa, MasterCard, and American Express.

Cash: Some decorators may still accept cash, but this is less common for large wedding payments.

Cheque: Accepted by certain decorators but may require additional processing time.

Online Payment Systems: PayPal and other online platforms are increasingly being used for convenience.

Tip for Couples:

If you want to earn rewards, consider paying with a credit card that offers cashback or points on large purchases. Just ensure the card is accepted by your marriage decoration Coimbatore decorator.

What Happens After You Make the Deposit?

Once the deposit is made, the decorator will begin planning and securing all necessary materials for your wedding. They may also finalize the design and provide a detailed timeline. Here's what to expect after the deposit:

Planning Phase: The decorator will collaborate with you on design choices, colors, and any special requests.

Final Payment: As your wedding day approaches, the final payment will be due. This is typically paid once everything is confirmed, and any adjustments have been made.

Example: One of our marriage decoration Coimbatore clients made their deposit six months before their wedding. As their event neared, they made their final payment, and we could finalize all décor details, ensuring everything was ready for their big day.

Final Payment and Confirmations

It's important to stay in close communication with your marriage decoration Coimbatore team as your wedding day approaches. Most decorators will send you a reminder about the final payment along with an event timeline.

Confirm All Details: Double-check the décor details one last time.

Review the Contract: Make sure there are no changes or additional charges that may have slipped through the cracks.

Conclusion

A clear understanding of your deposit and final payment plan is essential for smooth wedding planning. At marriage decoration Coimbatore, we strive to make the payment process as simple and transparent as possible. By knowing what to expect and planning ahead, you can avoid financial stress and focus on enjoying your big day.

Ready to plan the wedding décor of your dreams? Contact us today to discuss payment plans, packages, and how we can help create the perfect atmosphere for your celebration. Let’s make your wedding day unforgettable!

[aircardpoints]

Delta SkyMiles® Blue American Express Card: Your Gateway to Simple and Rewarding Travel

Delta SkyMiles® Blue American Express Card: Your Gateway to Simple and Rewarding Travel

Generous Welcome BonusEarn 10,000 Bonus Miles after spending $1,000 on purchases in the first 6 months of Card Membership. Great for boosting your miles balance right out of the gate!APPLY NOW The Delta SkyMiles® Blue American Express Card is a no-annual-fee option for travelers who want to earn Delta SkyMiles and enjoy flexible rewards. With competitive earning rates, essential travel benefits,…