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Plastics injection molding company

April 25, 2010 by · Leave a Comment 

Plastic goods now come in a variety of shapes and sizes. This is because of a method of producing plastic products called injection molding. A good plastics injection molding company is able to supply the market with innovative goods.

Diecast car displays are a great example of such products. For collectors and enthusiasts of model cars, these displays are the ideal product. Because acrylic has a transparency rate of ninety three percent, the display is actually clearer than glass. While it may cost a little bit more than a glass display case, the durability and longevity of the material outweighs the cost incurred. It is also much lighter than glass, so stack many display cases on a ledge or on shelves will place less strain than glass would. The display cases also have seamless corners and edges. This makes the product look better and gives unrestricted viewing of the product as well.

Another innovative product that has come about due to injection molding is the Cord Holder. Although it may seem like an innocuous product, its usefulness is really appreciated by anyone who does work involving wires & cables. Essentially it is a 3 pronged plastic product, which has an outward hook (like the bottom of an umbrella) from the middle prong. This hook goes onto the work belt and the cord is distributed among the prongs. The distribution of the cord is done as following:

1. Find the middle of the cord and drape it around the middle prong.

2. Loop one end of the cord (e.g. two foot loops) and place it on one of the end prongs.

3. Loop the other end in the same way and place it on the other prong.

This gives you a tangle free method for storing and carrying wire while you work. The whole product is made from one piece of plastic, making it durable and very sturdy. These are just a couple of examples of what a plastics injection molding company can do with injection molding technology.

Understanding senior life settlements

April 25, 2010 by · Leave a Comment 

Among a host of financial planners that conduct senior life settlements, bringing their clients cash settlements that can bring them delight, all this would not have been possible with Supreme Court ruling of regarding the insurance policy as ‘transferable property’.

As the industry depends on the life insurance industry that has been around for about a hundred years, getting the best senior life settlement for your client requires due diligence performed by attorneys, accountants, wealth managers, and insurance advisors. A large reason for this is because not everyone’s policy is the same, and therefore a unique solution to the settlement is required almost every time.

When it comes to the life settlements investment, the cashing of a life insurance policy for most senior citizens involves estate planning which could involve deciding who will get what when they pass away. If the estate value is a large one, then creating a trust which could involve leaving gifts to their family members or leaving the entire estate to a family member can be a part of the plan. In the case of the latter being left to minor, guardians will be appointed until the child reaches an appropriate age to take control of the estate himself.

All these details can be worked out by financial planners and attorneys who can then decide which is the best course of action for those who are interested in making a life settlement thus helping them to get rid of an unneeded policy so that they can divert funds for a more suitable purpose.

Home mortgage refinancing

April 25, 2010 by · Leave a Comment 

It is wise to know how to increase the value of your property once you have been approved for a home mortgage, and have been paying off your monthly installments without fail. Whether you have taken a fixed or adjustable rate type of loan, one can either save or lose money depending on the rise and fall of rates in the market.

Apart from satisfying your family’s needs of security, it is also important to be cognizant of the fact that home equity is also another factor that play out to your advantage when you might need money in the future or even in selling the property.

Most experts recommend that making improvements to the house will surely increase its value, which will also be a determining factor in the case of home mortgage refinancing as they require at least 10% of equity in your home. In the event of a property having negative equity, one will not be able to get a mortgage refinancing loan. So another suggestion made by experts is that in order to build equity on your home, one must pay off the principal to the mortgage loan taken.

Of course refinancing your home loan could be a result of either wanting to lower your monthly payments or wanting to pay them off faster or even receive a cash-out option that helps get a sum of money from the bank.

Now a 2nd mortgage is very different from refinancing although it also depends on the equity that has been built in order for you to get a second loan, however, not replacing the agreement made during the first loan.

Credit card payment processing services

April 25, 2010 by · Leave a Comment 

If your business wants to accept credit card payment, then picking a good and reliable company that can do merchant account processing is of paramount importance. The following are a few criteria that you need to look at when choosing such a credit card payment processing service.

  • Evaluate the average approval rating. This refers to the approval rate, the speed with which they process the application and how much it costs. You stand a better chance of being approved if the company has a high approval rate.
  • Understand the fee structure. Competitive and established companies will charge you a very low rate. They also communicate better with you about their rates/fees/costs as they will not want to hide anything from you. They will also have a very low fee to start up the service and establish the payment gateway.
  • Get a quick start. An established company can get you under way in a few days. Some even offer a one-day service, where the application is processed and the account is set up.
  • Look for good customer service. The company should be contactable on a 24 hour basis throughout the whole year. Not only that, they should have multiple ways of being contacted. This includes telephone, email, IM, fax, etc. They should also respond to you immediately.
  • Get online. Most companies now offer different types of virtual terminals. This also includes an online merchant account as well as a payment gateway. Having this feature will be very beneficial for you.
  • Options on POS. The company should offer you a variety of options on the types of Point Of Sales equipment that you can use. Depending on how your business operates (e.g. mobile sales centers) this can be of extreme value.

TMS Meets Payment Card Industry Data Security Standard Requirements

April 19, 2010 by · Leave a Comment 

In today’s environment, maintaining the safety of your financial and personal information is absolutely critical. The growth of Internet credit card processing has also led to a rise in hacking, theft and other online criminal activity. If you are involved with eCommerce, it’s critical for you to have faith in the security systems of your partners.


With this in mind, Total Merchant Services provides our customers with piece of mind thanks to our stringent security methods. For more than two years, we have been in full compliance with the Payment Card Industry Data Security Standard (PCI DSS) requirements. These are guidelines set by founding payment brands of the PCI Security Standards Council including American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc. International to standardize consistent and effective data security measures on a global basis.

Total Merchant Services’ compliance with PCI DSS requirements means that we have met or exceeded industry standards for security management, policies, procedures, network architecture and software design. You can rest easy in knowing that you can accept credit card payments online without compromising the private financial information of you or your clients.