Selecting the Perfect Payment Gateway Partner in 2019

Whether it’s due to an incomplete understanding of payment gateways or misinformation, not all businesses choose their payment gateway integration partner[s] based off of the potential growth factor for their business.

Choosing the right partner means asking the right questions regarding their potential impact on your organization or application.Here are a few important things to consider when selecting the perfect payment gateway partner:

The Onboarding Process

A happy customer is the best referral generation strategy.

The perfect payment gateway partner will accommodate a simple onboarding process for with plenty of support going forward. Customers love simplicity, and easy onboarding is a great way to ensure positive feedback and referrals. 

Potential For Scalable Growth

Your payment integration should be expandable.

Don’t fall into the trap of only weighing your current needs when selecting a gateway partner. As your business grows, you may require additional features such as tokenization, a card account updater, and mobile payments. The correct partner’s technology can grow alongside your business.

PCI Compliance

Non compliant businesses are subjected to large fines and security risk.

Choose a payment gateway partner that has your back when PCI compliance standards force change on the way your software handles transaction data. Your payment partner should take PCI compliance by the reins and steer you away from risks like financial liability, loss of customers and hefty fines.

Optimal Security

The right payment gateway should offer 1) point-to-point encryption (P2PE), and 2) tokenization.

There is no perfect answer to all security threats, but P2PE and tokenization in particular are a necessity. P2PE provides optimal security and greater efficiency for handling cardholder data, while tokenization securely stores cardholder data.

Visit Agile Payments For more information on Payment Gateway Providers and ACH Payment Facilitator Solutions.

Employability Prospects of Data Science in India.

The past two decades have seen India as one of the most sought-after regions for outsourcing. However, there have been significant developments across various industries with the interests of global enterprises on the rise. These organizations have been setting up development as well as data science divisions in the country in pursuit of new opportunities, smarter methodologies, productive operations and client-centric operations.

A study by NASSCOM suggests that the big data industry in the country will constitute 32% of the global market at a valuation of $16 billion by the end of 2025. The study also came with a proposal for incorporating big data and data analytics in the curriculum of skill development programs & initiatives. This proposal is aimed at preparing the youth for the massive influx of jobs in the field.

As several tech giants and startups have started exploring the prospects of ‘Big Data’ and Data Analytics, data sciences are expected to grow in the near future. This provides significant employment prospects for qualified data scientists.

According to an Economic Times report, 97,000 jobs in data science in India remained vacant because of the lack of a skilled workforce. The most significant contributors to this figure were the BFSI, energy, pharmaceuticals & healthcare and e-commerce industries.

To add to this, estimates suggest that the country is set to add 1.5 lakh new jobs in the field by the end of 2020. These openings largely span across Tier 1 cities such as Bengaluru- 24%, Delhi (NCR)- 22% & Mumbai- 15%.

Some of the major firms contributing to this figure are Accenture, Amazon, KPMG, Ernst & Young, Hexaware Technologies, Dell International & Deloitte.

Great Learning’s upskilling programs like Post graduate program in Data Science & Business Analytics (PGP-DSBA) aims to bridge the gap between the demand and supply of jobs in fields such as Data Science. Its learning collaborations with esteemed schools like Stanford & Purdue grants a platform for Indian professionals to progress at the same rates as their counterparts in developed nations.

With the increase in FDI in recent years, more and more companies are looking to bolster capabilities in the domain. This has resulted in thousands of vacancies. But the lack of talent continues to be a roadblock in this pursuit.

The good thing is that most of these openings do not have high experience requirements (less than five years). They are thus enabling freshers to pursue them and career-changers from traditional domains.

A Guide to Improving Your Credit Score Using Catalogues

Unless you’re paying in cash, most large purchases require taking out a line of credit. However, lenders won’t consider offering you a loan if your credit score is less than desirable.

A low credit score may make it nearly impossible to buy a home, purchase a new car, get a credit card, open a bank account, or even borrow money in the event of an emergency.

Even if you’re struggling with a low credit score, all hope isn’t lost. There are ways to improve your credit score over the course of several months. Credit catalogues are one way to do just this. It’s possible to use catalogues to help build or boost your credit.

What Determines Your Credit Score?

If you’ve ever borrowed from a bank or agency, you develop credit. Using credit cards also builds credit. A credit score is given to every borrower, no matter how much or how little credit they have. This number tells potential lenders if a borrower is a low or a high risk. The lower the score, the less likely you are to be approved for loans in the future.

Your borrowing history is reported to several credit reference agencies. This includes all credit cards, personal loans and financing. If you make your repayments on time, your credit score will improve. Regularly using your credit also boosts your score. Things that may reduce your score include late payments, large debt balances, and unused accounts.

So, How can Catalogues Help?

Before determining if credit catalogues are right for you, it’s important to fully understand what they are and how they work. Credit catalogues help people shop and make purchases. Consumers purchase a variety of goods from catalogues. Instead of paying for their purchases right away, they are offered a line of credit to pay for their purchases over a set time frame. Each catalogue offers different repayment options, including:

Before making a purchase from a catalogue, consumers need to learn which of these credit options is offered. Each line of credit comes with its own specific rules for repayment. Interest rates, fees, and penalties are also set by each catalogue.

How Can Catalogues Improve Credit?

If your credit score is low, you may feel discouraged. Many people think they can’t do anything to improve their credit, but this isn’t the case. For many, shopping from catalogues may help improve their credit score. There are many reasons why this works, including:

  • Regular Line of Credit

Lenders want to know how responsibly you use lines of credit. By opening a credit line with a catalogue, you’re taking the first step towards improving your credit score. Simply using your credit on a regular basis can boost your score in the long run.

  • Shows Responsibility

When you take out a line of credit from a catalogue, you’re responsible for repaying the debt. Every repayment you make is reported to the credit reference agencies. When you make your repayments on time, this shows you are a responsible borrower.

  • Reduces Risk

Consumers with more favourable credit scores are offered premium credit lines. By opening and properly maintaining a line of credit from a catalogue, you’re proving to the credit reference agencies that you’re a low risk borrower. This increases the likelihood of being offered large loans with low interest rates and fewer fees in the future.

However, there are a few things to note about improving your credit score. First and foremost, it takes time to rebuild your credit.

Simply using catalogues will not improve your score overnight. Instead, it will take several months and a lot of diligence to raise it. You must earn your trust back as a borrower.

Enjoy shopping from catalogues but take your spending seriously. When it’s time to make a repayment, do so on time. Never miss a payment. This alone is the best way to improve your score.

What Are the Drawbacks of Catalogues?

Catalogues themselves don’t have many drawbacks but failing to use them correctly may hurt your credit score even more. Here are some things to know when using catalogues:

  • Higher Interest Rates

Each catalogue sets their own interest rates. If you’re applying for a loan with low or no credit, you should expect a higher interest rate than is offered to someone with an exceptional credit history. On average, you can expect a rate of around 38 percent per annum. However, some borrowers may be offered rates as low as 16 percent, while others may find themselves paying even higher rates, often near 60 percent. If you don’t like the terms of a credit line, don’t accept the offer. Apply for credit with another catalogue instead.

  • Late Payments

As previously stated, you must make all your repayments on time. Each repayment is reported to the credit reference agencies. Whenever you are late or miss a repayment, it acts as a strike against your credit score.

  • Large Balances

Simply carrying a balance won’t harm your credit, but if you regularly carry a balance that is too high, it can lower your score. Credit reference agencies weigh your balances against the amount of credit you have available. If you are carrying higher balances, try to get a credit line increase to reduce your debt to credit ratio.

  • Unused Accounts

Having a large credit line can also harm your credit score if the account goes inactive. This is even true if you have an account with a zero balance. To prove you are a responsible borrower, you need to use your credit lines. When working to improve your credit score, be sure to regularly make purchases with your credit. If you are not planning on using an account anymore, it may be in your best interest to close it.

If you’ve been denied a loan because of your low credit score, using catalogues is perhaps the best way to improve your credit. Have reasonable expectations, and realise that it will take time to raise your credit score.

Be diligent in making repayments. Use your credit line wisely. Keep your credit line open and active for a long time. Even though it will most likely take a few months to see results, in the long run, your credit score will improve by using catalogues.

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4 Things to Consider When Buying a Wood Burning Stove

Wood heat stoves are gaining in popularity all around the world. Apart from being cost-effective they are also energy-efficient.

The rising demand for wood burning stoves has led to the emergence of many options that can make it tough for you to make your choice. However, here are a couple of things that you need to consider to make sure the choice that you are making is the best one:

Stove type

The type of stove you use depends on the purpose you want to use it for. You can check out pellet stoves, multi-fuel stoves, stoves with manual ignition, or stoves with automatic ignition. Pellet stoves are easier to install; but you will have to go for a chimney or make arrangements for venting. Multi-fuel stoves are good if you can’t find the wood necessary for your stove. They can burn corn, cherry pits, soy beans, and many other items.

Stove size

Size is also something you have to consider before buying a wood burning stove.  You will have to provide for the heating space, considering the number and size of blowers included in the unit. There are certain requirements such as distance to be maintained from the walls and combustibles. Some might also need a certain ceiling height and floor protector. You will find all this information in the product manual.

Cost and Maintenance Considerations

Cost is definitely one of the main deciding factors when buying wood heat stoves or fireplace inserts. Apart from the purchase cost, you should also consider the cost of fuel and the installation materials.  Check how easy it is to get fuel in your area.

Maintenance should be easy and minimal. You might have to empty the ash bin regularly and check once in a while for creosote buildup; but that’s about it. Make sure you clean your chimney once a year, if you don’t have a vent-free stove.

Restrictions

One other thing to check for, before buying a wood heat stove is to make sure it satisfies the codes and regulations of your building, local municipality, and state. Not all wood burning stoves are approved in all states of USA.

Explore your options, check out the features, ask for a demo, and buy a quality unit from a reputed manufacturer. Get a certified professional to install your unit. Make sure you have their number to call for any service or repair that your stove might need.

5 Uses of Wood Burning Stove

Whether you want to cook your meals or heat up your home, a wood burning stove can work out really inexpensive. And since wood is a renewable resource, a wood burning stove saves not just your money, but also the environment.

There is another benefit of purchasing a wood burning stove. It is a multipurpose tool that can make you self-reliant. Here is what you can do with wood burning stoves:

Heating the house

If you live in a cold climate, you will need some appliance to keep yourself warm, especially during winter times. You can choose from a fire place, an HVAC system, a gas furnace, or a wood burning stove.  But if you wish to keep your home warm throughout the day, you can go for a combination of two of these options. For instance, you can switch on your HVAC system keeping your thermostat at about 58 degrees F, when you are away. Once you are back home, you can fire up your wood stove. You can get good wood burning fireplace inserts too.

Cooking Food

The best part of a wood heat stove is that it has a large flat surface. This will make it easier for you to set pots of bigger sizes too. Also since a wood heat stove is compatible with many kinds of utensils, you can enjoy a variety of options. You can even create your own oven on top of your wooden stove.

Drying laundry

During the rainy season when it becomes difficult to dry your laundry, your wood heat stove can come as a blessing to you. All that you need to do is place a drying rack behind or on top of your stove and put up your laundry there for drying. This can be a great alternative for drying your laundry, should your dryer break down at any point of time.

Dehydrating food

If you wish to preserve your fruits, vegetables, and meats for longer, you might have to dehydrate them to remove their moisture. This is best done by hanging your foods behind your wood heat stove.

Heating Water

If you are out camping, a wood heat stove can prove to be very useful. You can heat large quantities of water for bathing. You can also keep your tea pot on it to make tea. If you remove its lid while heating, the evaporating water will work in humidifying your space.

There are many more uses you can find for your wood burning stove. Not only does it add to your cooking convenience, it will also heat up your space keeping you comfortable. In short, it offers excellent value for your money.

Wood Window Shutters – Pros and Cons

Whether you want to control the amount of sunlight that enters your space, enjoy privacy and security, or get some protection against bad weather, window shutters should be your first choice. Apart from keeping away damage and unwanted intruders, window shutters can also enhance the aesthetics of your building like the Spanish tiles do.

There are different types of window shutters available in the market. You can choose from louvered shutters, hurricane shutters, plantation shutters, solid shutters, and café style shutters. They come in a range of colors to suit your décor.

Wood window shutters are best for interiors as well as exteriors. While most exterior ones are fixed and don’t close, you can get a lot of decorative yet functional options in inside shutters.

Before you make your decision on the kind of shutters you want to go for, it is better to understand the pros and cons of wooden shutters. Here are a few for you to consider:

Pros:

They are attractive

When compared to traditional blinds and various window treatments, wood shutters can look really attractive. Plain wood shutters are neat and go well with any room décor.

They offer extra protection

Wooden shutters can be adjusted to ensure the right amount of air enters your space. They offer good protection against the scorching heat of summer, while keeping away the cold winds in the winter.

They help control natural lighting

Whether you want to completely block the light or fine tune the amount of light that enters your home, wood window shutters can seem really useful.

They are easy to maintain

A light dusting is all that is needed to maintain your wooden shutters. On the days that you feel like doing some deep cleaning, you can gently wipe them with a wet cloth.

Wooden shutters are available in a variety of colors and stains. However, you can also paint them in a color of your choice. Check with the manufacturer before doing so.

Cons:

They are expensive

When compared to most other materials such as faux wood and composite, wooden shutters are quite expensive. But nothing can match the looks of real wood or the way it functions.

They offer limited protection against storm

If you live in a storm-prone area, you would be better off using shutters made out of fiberglass, aluminum or metal. They offer better protection against storms when compared to wooden ones.

Unsuitable for humid weather

You might notice warps and damaged finishes in your wooden shutters if the environment around you is too humid. You can then go for a hardwood variety that may not require touch-ups or replacements that frequently.

Essential Tips to Optimally Use Kitchen Appliances

As we use our kitchen appliances every day, we assume we are an expert when it comes to using them at their fullest but the fact is that most of us do not know how to effectively use the most common kitchen appliances hence we have listed below a few tips that will help you to optimally use the appliances.

Dishwasher:

If you are planning to run the dishwasher immediately, then you need not scrape off or pre-wash the dish but if you plan on running it later, then it is a good idea to just pre-wash the dishes with plain water and then place it in the dishwasher so that the food does not dry off and get stuck to the dishes. Run the dishwasher when it is full as it washes better when fully loaded. Make sure that the dirtiest dishes are at the center as those will be washed the best. The dishwasher itself can be cleaned by sprinkling baking soda at the bottom and running an entire cycle without dishes in it.

Cooktops:

Gas-tops are great for cooking but if you are looking for slow or low simmer cooking, then they might not be of much use. The solution is to buy a heat diffuser which will diffuse the gas burner’s heat and let the food in the pot simmer.

If your cooktop is made of glass, then you need to keep it clean by wiping it clean with water and dish soap when the cooktop is not hot. If something is stuck on the glass, then do not try to scrub it off but use a glass cleaner to clean it off.

Oven:

Make sure not to put any item inside the oven that can become bubbly and spill-over. If there is a spill inside the oven, then don’t wait for it to cool down but sprinkle salt on it and you can easily wipe it off as the oven cools down. You should always clean your self-cleaning oven whenever it gets dirty by following its self-cleaning feature. Do not use aluminum foil in the oven’s bottom as it may catch fire or damage your oven floor. Also, while using the oven, do not cover the top with anything.

Refrigerator:

Do not overload the fridge as it pressurizes the compressor to maintain the required temperature levels which decrease the life of the fridge. Change the filter and gaskets occasionally to prevent contamination. To avoid spills, use mats on each shelf so that if there is any spill incident, then you can remove the mat and clean it directly. In case there is a spill in one of the shelves, use baking soda and water to clean it as baking soda will absorb the nasty odor and the solution will remove grease.

Purchasing the best kitchen appliances for your kitchen is a great idea as it can make your life easier, but following these simple tips will help you get the most out of your appliances and also increase the life of them hence it is a win-win for you.

A Complete Home Maintenance Checklist- 10 Quick Tips

It’s not just challenging to buy a home but maintaining it is also a big task which many homeowners ignore which may cause issues in the long run hence follow a regular maintenance schedule as listed below;

  1. Change HVAC Filters:

You need not change the filters monthly, especially if you have a smaller family. You can change the filter every 2-3 months. Do inspect the filter on a regular basis and if you find it too dirty then get it replaced.

  1. Inspect Fire Extinguisher: 

You need to inspect if your fire extinguisher is placed in the right place which is not blocked by anything and can be accessed easily. Also, check the pressure gauge and see if it shows adequate pressure reading to make sure that the extinguisher is functioning.

  1. Replace Damaged Window Screens:

If your window screen is damaged, then bugs may enter the house hence get it fixed or replace as soon as you see any such damage.

  1. Test Smoke Detectors:

It is essential to check all the detectors by pressing the test button on it. If you can hear the alarm sound, then it is working fine. Also, clean it before fitting and change the batteries as mentioned.

  1. Test Garage Door Auto-Reverse Feature:

You need the inspect your garage door functionality and also test its auto-reverse feature by placing a log of wood on the ground where the door closes. The door should reverse in a few seconds as it hits the wood.

  1. Run Water in Unused Bathroom: 

If you have guest bathrooms at home which you do not use in general then you need to turn on the tap in the bathroom and use the flush once in a while to prevent any build-up.

  1. Inspect Plumbing for Leaks:

You need to go around the house to check all the faucets for any small leaks.  If you find any issues with the plumbing, then you can easily call Plumbers in Texas to fix your leak issues at the earliest.

  1. Service Your Air Conditioning System for Summer:

You may not use your air conditioning system for the most part of the year hence before the summer begins it is essential to get it serviced so that it functions well throughout the season.

  1. Remove Dead Plants from the House:

If you have a front yard where you maintain a garden, then you need to clear up unwanted shrubs as well as any dead plants. Also, clear plants that grow near to your exterior wall as the roots may cause damage to your home exterior.

  1. Deep Clean the Basement:

You may not visit the basement often, hence it is essential to clean it frequently and inspect it for any damaged or molds at least every 2-3 months.

While this list does not cover everything, it does include the majority of the maintenance work involved that you need to get done with time so that the house remains as good as new always.

7 Incredible Benefits of Log Burning Stoves

A log burning stove is not just a source of heat for your home, it can also help you cook quite a few delicious meals for your family. Also, since wood is a renewable resource, a wood burning stove could be an economical and energy-efficient addition to your kitchen.

Some of the modern Log burners stoves are really good in terms of aesthetics as well as performance. Here are a few things you would like to know about log burning stoves before making your decision on buying one:

You can place it anywhere you want

A log burning stove can be placed anywhere in your house, provided you have a vent pipe running outside your home. Place a couple of them in different places and you won’t even need a central heating system.

Better quality heating

The quality of heat given out by a wood burning stove is much higher than any other appliance. By radiating heat from all sides to all directions, a wood burning stove can warm up an area not only faster but also in a more efficient manner than a vent system that blows out warm air.

Eco-friendly Alternative

When compared to the fossil fuels such as coal, propane, and natural gas that are usually used for heating, wood is a lot more eco-friendly option. Unlike these alternatives, a wood burning stove does not add carbon-dioxide to the environment when it burns wood. In fact the wood that your stove uses absorbs the carbon dioxide that is found in the atmosphere, maintaining that perfect balance during combustion.

Inexpensive source of heating

You can easily save hundreds of dollars on your utility bills every year by replacing your central heating system with a couple of wood-burning stoves. Your cost per BTU will be much lesser with a wood-burning stove, when compared to a stove that uses gas, electricity, or even oil.

It is self-contained

If you live in one of those places that have occasional power outages, you will be thankful for buying yourself a wood-burning stove. It does not need any electricity or gas to operate. It will keep you warm round the clock, throughout the year, irrespective of your electricity or gas supply.

It can make your cooking very convenient

Whether you want to have a party at your back yard or go for a picnic with your family and friends, a Wood burner stove can make it very convenient for you to cook your meals. You have to choose a model that can double up as a stove top. You might need a little practice with placing your cookware and adjusting the temperature; but once you do it, you will see that it is perfect for your cooking.

Great aesthetics

More than anything else, having a modern wood-burning stove in your home can improve its aesthetics and compliment your décor. If you are up to a little shopping around, you can get one in a style, size and finish that goes perfectly with your theme.

You can choose from a variety of wood burning stoves. But make sure you ask for professional installation to keep things safe. Learn a thing or two about cleaning and maintenance before the certified technician who installs your stove, leaves your home.

How to Choose the Best Tiles for Every Room of Your Home?

Of all the flooring solutions, tiles happen to be the most popular and efficient option that is used these days. Apart from being durable and strong, they also make your home look absolutely classy. Easy to clean and maintain, these tiles are available in a variety of designs and colors that can blend perfectly with your home’s décor.

You can find a variety of options when you look for Spanish tiles UK. But what you choose depends totally on where you want to place it. Here is a guide you would want to follow while choosing tiles for the different rooms of your home:

Tiles for the Bathroom

Ceramic tiles are best for bathrooms. You can choose glazed varieties for your walls; but for the floors it is better to go for tiles made of natural stones such as slate, sandstone or granite. These offer an excellent grip and are safer to walk on, when the floor is wet. Go for bright-colored tiles that come with a non-skid matte finish. These are best for your bathroom floor and add character. They are also very easy to clean and maintain.

For the walls you can also choose mosaic tiles made from porcelain or glass. Choose tiles that offer durability along with style and elegance. You can mix and match them and even add borders to them.

Tiles for your Kitchen

Ceramic tiles go well for your kitchen floor too. Look for non-skid tiles that are safe to walk on since the kitchen floor is always prone to getting wet. Go for a shade of brown or gold that don’t highlight stains or scratches. Use small glossy ceramic or mosaic tiles for your kitchen wall since they are easy to clean.

Tiles for the Living Room

Larger tiles are always better for living rooms. Go for grey or ivory-colored tiles that match with your interiors. If you want to give it an antique look you can even go for terracotta tiles. Else, there are many options in ceramic tiles, natural stones, porcelain, and Italian marble to choose from. If your living room is large and spacious you can even go for textured, designer marble tiles.

Tiles for passageways and corridors

These are spaces of high traffic that are prone to dirt, wear and tear. Hence you may want to choose earthy or dark colored tiles that can camouflage such issues.

Tiles for the Roof

White is the preferred color for roof tiles since they can reduce the temperature of your room dramatically. Else you can go for basic colors. You can use terracotta tiles or even reclaimed tiles.

Go through a few magazines and browse through the net for images of tiles that you may like. But make sure they go with the style of your home. Consider the size of your room, before choosing the size of your tiles.

Choosing the right grout color is also very important while choosing tiles for your home. If you want to give it a subtle effect, you can use a complimentary color. To highlight the design and lines, go for a contrasting grout. Make sure the grouted areas are sealed well to avoid stains.