Credit Card Processing

The credit card is a commonly used financial tool and its use forms an important part of personal finance. A credit card though simple to use has a networked system and structure that enables payment through a plastic card with minimal chances of misuse and fraud. The credit card industry mainly comprises of:

  • Card Provider: Cards providers are very few in numbers. Some of the known credit card providers are: VISA, MasterCard, JCB, American Express etc. The logos of these card providers are what we very often see on entry to a store.
  • Card Issuers: financial institutions such as banks issue a MasterCard or VISA or any other card to card holders. This card will have logos of both the financial institution and the card provider.
  • Card Acquirer: The card acquirer processes the cards accepted by any store and this service is known as credit card processing or merchant account services.
  • Merchant Account: The merchant or stores have an account with a credit card processing service to enable credit card payments in their store.

Every credit card transaction initiates a flow of information and exchange of money between the credit card processing organization, card issuer and the merchant account authorized and conducted by the credit card provider.

Credit card processing services do not limit their services to acceptance of credit cards alone but also enable the processing of various payment mediums such as: debit cards, electronic cheques, gift cards and other forms of payment.

The credit card processing organization performs the key task of authorizing the credit card when presented to the merchant instantly. The credit card processing organization then debits the card issuers account and credits their account with the amount of purchase made by the card holder.This implies that the card issuer pays the card processing services for the transaction. The card services organization then makes the payment to the merchant after deducting a transaction processing fee.

This is the procedure followed for every credit card transaction and it is made easy for you due to the efficiency of various parties that are involved in making credit card transaction an easy process.

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Personals Like Craigslist – But Better!

If you go looking, you will find personals like Craigslist all over the internet. Most sites offering online classifieds have a personals section nowadays. They all suffer from the same problem, however. And this problem will usually result in you wasting time and often losing money.

This article is here to give you fair warning about the drawbacks to using these internet classifieds and also a solution that is a much better alternative for you to find a date or casual encounter.

The problem with personals like Craigslist is the huge number of con artists using the service to market dating products. If you post a personal ad, you will receive dozens, sometimes hundreds of responses. The majority of these emails will come from clever internet marketers, posing as attractive women who want you to join a dating service in order to meet them.

Some of those emails will come from real women, true, but how are you to tell which ones are real and which are fake? There is no way. Which means, though the personals at Craigslist are a good concept, they tend not to work for most of us.

The solution that most people overlook is to use a big-name dating service. Most people are put off by these services because they think you need to pay to use them. Not true. You only pay for premium features. And, let us face it, if you do pay for premium features, that is probably a small cost to pay for what you get.

And what do you get? Well major dating sites are personals like Craigslist in many ways. You can join for free and use many of their services without cost. You can make searches of people in your area and read what they are looking for.

You get a lot more, though, than that offered by personals at Craigslist. You get real people, no internet marketers trying to con you; you get to see who is online and who is offline; you get to contact people with instant messages; you get to add them as friends and view their photo albums.

So, all in all, they represent a much better alternative. They offer far more features, many of them offer free accounts, and when you get an email from a woman you know that she’s real, and not some clever con artist!

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Importance of Information and Communications Technology (ICT) In Our Daily Life

Information and Communications Technology (ICT) has an important role in the world since we are now in the information age era. With ICT, the company can make the business easier to happen with the client, supplier and the distributor. It is also very important in our daily lives. The lack of appropriate information at the right time will result in low productivity, low quality research works, and waste of time to pursue information and even to do research which actually others had done or in other countries. Nowadays ICT cannot be separated with our daily needs.

ICT has a great impact in our daily lives. For example, we can read our local newspaper using the online newspaper. Another example is we still can get connected with our family, relatives, or colleagues even if we are abroad by using the electronic mail, yahoo messenger, call conference, or video conference.

Digital computer and networking has changed our economy concept to the economy with no boundary in time and space because of ICT. It brings a lot of advantages for economic development enabling millions of transactions to happen in an easy and fast way.

ICT is one of the economic development pillars to gain national competitive advantage. It can improve the quality of human life because it can be used as a learning and education media, the mass communication media in promoting and campaigning practical and important issues, such as the health and social area. It provides wider knowledge and can help in gaining and accessing information.

ICT has become an integral part of everyday life for many people. It increases its importance in people’s lives and it is expected that this trend will continue, to the extent that ICT literacy will become a functional requirement for people’s work, social, and personal lives.

The use of ICT in education add value in teaching and learning, by enhancing the effectiveness of learning, or by adding a dimension to learning that was not previously available. ICT may also be a significant motivational factor in students’ learning, and can support students’ engagement with collaborative learning.

Information and Communications Technology (ICT) is basically our society’s efforts to teach its current and emerging citizens valuable knowledge and skills around computing and communications devices, software that operates them, applications that run on them and systems that are built with them.

As a matter of fact, we are living in a constantly evolving digital world. ICT has an impact on nearly every aspect of our lives – from working to socializing, learning to playing. The digital age has transformed the way young people communicate, network, seek help, access information and learn. We must recognize that young people are now an online population and access is through a variety of means such as computers, TV and mobile phones.

It is in this premise that educational technology and e-learning is taught in or out of the classroom since educational technology is used by learners and educators in homes, schools, businesses, and other settings.

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What Items Are Considered Fashion Accessories And Why Are There So Many?

Have you been trying to upgrade your gear as in your appearance of what you wear? If you are then you will need to start looking and thinking about what your style is and find that type of brand that you like and stick with it for awhile.

As it comes to fashion and accessories you will find that there is a diverse variety of different types of accessories. Fashion accessories, like clothing, shoes and others come in different shapes sizes and more. There are clothes and other fashions made just for that type of person it can be found from kids to bigger adults.

One of the most desirable types of fashion accessories is that of jewelry. As it was stated above fashion accessories are for all types and ages of people and genders. For kids and teenagers and older people they like necklaces bracelets and that such with charms and colors. Men usually like necklaces with large charms or nice watches, while women tend to like rings with stones those of diamonds, bracelets, anklets and many more.

More types of fashion accessories include handbags or purses. Most teen girls and women like to carry all there stuff in one of these. A purse is just used to carry their stuff that they need with them and handbags are just larger than a purse and can hold more. Handbags and purses come in many different styles, shapes and sizes that is why many girls and teenage girls and older women have a variety of these.

To go along with purses and handbags traveling bags are now popular as well. Travel bags are sort of the same as a handbag but are made for men and women. A travel bag might even have a smaller handbag inside to be used to bring on to the plane with you.

Shoes also are a prized possession of many types of women. A lot of women have to own a different pair of shoes for every outfit. Due to those reasons is why women like to shop a lot. So if a woman has a lot of shoes but not enough clothes she’s going to go out and get enough to match them.

More pieces of fashion accessories are belts for both men and women. Men and boys usually wear belts as means to hold up their pants but women wear them as fashion and are not just to hold up their pants. Women’s belts arrive in many different shapes sizes styles and colors. These belts that women wear are just for fashion and are not made for any specific reason except to display their sense of style and fashion.

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Your 50 – Part 2 – The Keys to Starting Your Own Business Now!

In part 1 of this article series we met 3 individuals with unique backgrounds that left corporate and forged their own way. Here we illustrate 2 addition stories along with important strategies and tactics you need s you go forward in your own business. This journey of starting your own business is not for the faint of heart, but the success you will find will be life-changing.

Here is what you will learn:
1. Franchising is a good option for a business.
2. Doing your own business is very rewarding.
3. How coaching is vital to making your business a success.

First Entrepreneur

Our first entrepreneur, was a successful high-level executive first at Ford and then at Terex, a firm focused on lifting and material processing products (e.g. cranes), with all the associated perks and incentives. Meet Pete Gilfillan. He had the good life and no reason to change until one day…

Alan: I saw that your main business is helping people evaluate franchises (FranChoice). How did you get started in your own business? What triggered that decision?

Pete: I was a corporate executive, first with Ford and later with Terex and they literally owned my life. I was traveling all the time. I just decided one day I had had enough and I would be an entrepreneur.

Alan: Tell me more about what happened when you decided to leave corporate life.

Pete: In my last position, I was with Terex. I live in Chicago, but the Terex is headquartered in Connecticut and I was on the road 6 days a week and much of the travel was international. With all the travel I didn’t eat right, didn’t exercise and frankly I was miserable. I was in another country and I woke up in the middle of the night and I couldn’t remember what country I was in. I realized then I had had enough. When I got back to Chicago, I told my wife about the decision. At first my wife wasn’t keen on the idea of my leaving corporate. She saw the practical side of staying in corporate (financial security), but I knew I needed to make a change. I quit my job and I started working with a franchise consultant in order to find a franchise. After a few months we found Junk King and saw that it was be a good fit. I liked that it was a service based business and could be scaled up; such as adding trucks as the business grew and it had little overhead. Later, I started to work with FranChoice, where today I’m one of the top franchise consultants. I really like the way their business model works. There is no cost to individuals (companies pay FranChoice) and it gives me the opportunity to do what I love most, which is to help people find the business that meets their needs.

Alan: That’s great. You are able to do what you love. Let’s change gears for a minute. I saw that you wrote a best-selling book. Writing a book is a big step. How did you come up with the idea for your book?

Writing is a key way to demonstrate your expertise and build your business

Pete: Darren Hardy, who is pretty well known in the entrepreneur circles, is my mentor. I went to his High Performance Summit and Darren said one of the best ways to give back is through writing a book. Since I have a lot of knowledge about the franchise business, doing a book on it was a good fit.

Alan: How did you find the time to write?

Pete: There is many ways to write a book. I found a company that would write the actual words while I talked. I would put together an outline for each chapter and talk for a couple of hours with the writers. We would meet for 2 hours a week, either early morning or late at night. After a draft of the book was created, I had someone edit the book. Even then it took a year and a half to complete the book.

Alan: How did you go about publishing it?

Pete: I was able to find a publishing company through my business coach.

Alan: It had to be daunting to start your own business after being in corporate. What is one thing you wish you knew before you started your own business?

Pete: If I could have been able to keep my corporate job and invested in franchise and then make the leap instead of going in cold to my own business, it would have saved me a lot of angst. I may have done something different than Junk King. I could have started a franchise on a part-time basis, say 15 hours week. With Junk King there was no way to do it on a part-time basis.

Alan: What’s next for you?

Pete: Speaking engagements, so I can reach more people and continue to work with ExecuNet, which is a private community made up of over 750,000 CEOs, VPs and various leaders and influencers.

Alan: Any final words?

Pete: I would say that for franchising, people need to have an open mind. When people ask me about franchising, they have already made up their mind that it would be food (McDonalds, etc.) They have that in mind because they see a lot of people eating at those restaurants so they assume it is a good business to get into. I help them understand that the food business is very competitive; has high capital investment and a high cost of goods sold (the food). There are over 3000 franchises in every conceivable business that may fit their needs. It doesn’t have to be food.
But regardless of what business you go in, whether it is a franchise or not, you need to work hard. There is no substitute for hard work.

Alan: Good words to live by. Thanks for your time.

Second Entrepreneur

Our second entrepreneur was a successful telecom executive before going into his own business. He shares key ideas on making your business grow. Meet Rick Lochner.

Alan: How did you come to be an entrepreneur?

Rick: I’ve known for some time that I wanted to be in my own business and that it would be in the leadership area. I worked with entrepreneurial company and it was sold 2 years after I started. I went to another company and 2 years later it was sold. The turmoil of being at companies that are going through turnarounds is very difficult for everyone involved. It is very long hours, great stress and often the rewards of that hard work just aren’t there. I’ve been laid off 4 times in my career so I knew corporate has no security. I even negotiated my severance package before I went to work a healthcare company.

Alan: How exactly did going into your own business occur?

Rick: My wife and I were having brunch with a couple and we talked about how it would be great to start business and details on what that business would look like when it started in a few years. At the end of the meal, I said, “Why are we waiting; let’s do it!” It was one of the best decisions I’ve ever made.

Alan: What do you like best about being an entrepreneur?

Rick: The best thing is I get to do what I love. In corporate, there were many things I had to do that I really didn’t enjoy. Being an entrepreneur, being in my own business, enables me to live with purpose and that is very meaningful to me.

Alan: Is there anything you would do differently now if you were just starting your business?

Rick: I would have pursued the non-profit market right away. I didn’t because people told me there is no money in that business, but that is not true. That market needs to be approached differently than for-profit but they need my services just as much. Now non-profit is 25% of my business. But you asked if I would have done anything differently and the answer is no. The business strategy worked and I would have approached starting the business the same way.

Alan: What challenges did you have starting out?

Rick: I started the business in July 2008. The US was already in a recession and financial markets were in turmoil and little did I know things in the business world were about to get a lot worse. I had worked in telecom for many years as an executive and I had been quite successful. I had a load of contacts at my previous company, Sprint; there were many people that knew me well and respected me but I was not able to get business from them. They still saw me as a telecom executive and not as knowledgeable in leadership development, even though I had been developing leaders at Sprint. I had traveled a lot during me years in corporate and my connections in Chicago were no better than in Atlanta or any other U.S. city. I knew I needed to develop roots in the local community. I joined Naperville Area Chamber of Commerce and started to created circles of influence. In time the contacts I made developed into connections for the business. It wasn’t easy, but I went all in; 100% to make the business work.

Why having a part-time business is so important

Alan: What advice would you give to someone that is climbing the corporate ladder?

Rick: Every corporate employee should have a part time gig to provide a bridge to go into business for themselves or just to have a secondary income source. I started teaching leadership at Keller School of Business in 2004. Teaching helped in the 8 months transition to my business full-time. It provided income after getting laid-off; making it easier to focus on the growth of the business and not where the next paycheck was coming from.

Alan: What has been the biggest challenge in your learning curve as an entrepreneur?

Rick: Marketing was new to me; I had not worked in that area. So I put together my business plan and my marketing plan and discussed it in detail with my two mastermind groups. They both said the business plan was great and was going to work but the marketing plan was not good. So I was tutored in marketing from people that were 20 years younger than me and their advice was spot on. This taught me a couple of valuable things. 1) You have to know what you are good at and what you are not good at and find experts in the areas that you are not good. 2) Spend a lot of time with people 20s to early 40s in order to gain insights on trends.

Alan: What additional advice would you give to someone that was looking to start their own business?

Rick: Know what problem you are trying to solve and position yourself so that is clear that you are the only one that can solve it. Too many people get hung up on their product or service and less focused on the problem to be solved. If you are going to go for it, then you really have to go for it. At the core, you have to know how to solve the problem in a unique way.

Alan: How did your writing a book come about?

Rick: The business model I developed has been a work in progress since 1999. I used that model to align the business at every organization I led as an executive. Often we try to fix a problem in an isolated way which doesn’t work. The process may not be broken; it may be the people, so you need a holistic approach. I wrote the first book in 2012 to complete my initial business strategy and a book does that. I was advised by a couple of authors and self-published it. I needed to promote the business alignment method and the book helps clarify the model as well as promote the business. I asked clients what is perfect length for a book and they said a Chicago to Los Angeles flight, which is about 4 ½ hours.

Alan: You’ve actually published multiple books. How did you come with your ideas?

Rick: The second book was to help the individual leader and the third book was for the entrepreneurs. I write books that apply to the business areas I work in.

Alan: How do you find the time to write?

Rick: The secret to success is having a coach. I’ve had 3 accountability coaches so far and each one helped me in a different way. When I first started the business, I needed an accountability coach; someone that would keep me accountable and keep me encouraged. She was the type of person I needed at that time. Keep in mind, I was starting this business during the depths of the Great Recession and needed that support. The second coach helped me write the books, not from the standpoint that he had ideas for the book, but he was able to get me moving along on the development of the book. I actually wrote the first book while my wife was driving during vacation because I was on a self-imposed deadline and needed to get it done. The third coach has helped me grow the business and take it took another level. If I would have had her in the beginning, it would not have worked well. Now that the business is growing and I am at a different place in my thinking and my business, she is exactly what I need.

Alan: Any final thoughts?

Rick: I talked with 20 different coaches before starting out in leadership coaching and based on my research, billions of dollars is wasted on leadership that doesn’t work. I am on a crusade to change that one leader at a time. It will take time to undo the wrong things that leaders are doing today; takes time to unlearn. But I will continue to work with them, one leader at a time. It is my passion.

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Smart Leadership in the 21st Century

Although we may claim that the world has gravitates from authoritarian rulership and that most countries in the world operate under a democratic ambience, but in certain parts of the world and over certain organisations preside some leaders who still lord over their followers without giving them a say at all in the affairs.

Every nation and society has its own leader, but what distinguishes the smart leaders in the world today from the bosses and the not-so-smart leaders? Consider the following traits.

The first trait of the smart leader in the 21st Century is that the leader has to EVOLVE. He should keep up with the times, with the latest techniques and updated information. Knowledge is power and the knowledgeable leader is not one that can be easily deceived or pushed about. The societies that use the most advanced methods in everyday life are the ones that lead the pack in today’s world.

In addition, the SMART leader is:

S- Simple/Straightforward: The good leader has to mean what he says, and say what he means. He must not be deceitful. His followers must be able to trust him and take his word for it in every circumstance. What he does not intend to do, he should determine not to say it. Also, the smart leader in this century must be a man of simple ways, words and lifestyle.
Gone are the days when leaders were marked by 100-foot billowy robes, with twenty servants carrying the clothes from behind. This can be tolerated from a bride in a wedding ceremony, but not from the world-class 21st Century leader. He should not live a complicated lifestyle or be unnecessarily extravagant. Simplicity does it these days.

M- Malleable: As mentioned earlier, the smart leader must be malleable, not rigid. He must be able to bend his views when it is necessary. He should be able to lower his standards when it is necessary.
Compromising your views at certain times is not a trait of the weak, but that of the intelligent. He should not insist on the status quo, or cling to ideas just because “that’s the norm here!” The norm is usually dumb. He must have a teachable heart that can learn new information at every opportunity. He must be malleable enough to learn from both young and old, rich and poor, male and female-anybody.

A- Accountable: Aha! Did the smart leader expect I won’t add this? It is inescapable for the smart leader to be accountable for all the human and other resources committed to his care. He must not be corrupt. Every penny in his administration must be accounted for. He must guard his citizens and his domain with the same intensity as well.

R- Resourceful: The leader must also be one with a limitless river of ideas constantly flowing for the betterment of his organisation. He must be very creative and actually SMART. As in, really intelligent. If a dumb leader is put over a domain, he will mismanage and diminish it. The leader must be able to multiply the little he has been committed with, and multiply it. He must commit to being constantly trained in order to further equip his intellectual arsenal.

T- Technology Literate: Finally, in this Internet Age, many wars are won or lost on social media. The smart leader in the 21st Century must be one who is very much versed in at least some high-tech devices. He must not be an illiterate with the computer or with the internet. He must make it a point of duty to learn the use of one new technological gadget every six months. That will set him apart and make him the man/woman to beat by the other leaders. He will find out pretty soon that he is a trail blazer in leadership. It does not matter whether he is presiding over a family or over an entire nation, such person will be a trail blazer.

Emmanuel Sokefun is a freelance article writer, in addition to being a novelist, poet, hymnist, songwriter and a lover of the academia.

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Ethernet Cables – Red, Yellow, Or Blue?

Ethernet cables come in many colours, it’s common to see red, green, blue, yellow, white and grey leads in every office. A lot of people get confused when they are buying a new lead as they wrongly believe the different colours do different jobs. A coloured Ethernet cable is used for identification. If you have an office network that has many connections, it can be difficult to know which cable goes where. This is why coloured leads are used, you can easily identify that the blue cable is connecting computer A to the network whilst the yell one is connecting computer B and the green goes to computer C. It’s not uncommon to see leads being sold in twenty plus different colours.

Another reason to use coloured leads is to help set up new equipment. Many internet service providers will send a free modem to the customer when they take out a new connection. Not everyone is confident at setting these modems up, they can come with two different types of lead, an RJ11 ADSL lead and an Ethernet cable. Both of these cables look very similar and many people try to connect the RJ11 lead into the Ethernet socket. Internet service providers use coloured leads for this very reason. The instruction book will advise the customer to connect one end of the blue Ethernet cable (or whatever colour is supplied) to socket A on the modem and then to your computer, this avoids any confusion and probably saves them from thousands of technical helpline calls each year.

Whatever the reason for replacing your Ethernet cable, maybe you need a longer length as you have moved the computer, the dog may have chewed your original, you may be trying to increase the speed with a better quality cable (we cover that in another article) or you may simply have lost the lead when you moved house. You can rest assured that you can use any coloured Ethernet cable. The only caveat to add would be to ensure you do not buy a Crossover cable, these are used to connect two computers together without using a router, they are always clearly advertised as Crossover and it would be difficult to buy one in error.

If you are looking to upgrade the speed of your connection, an easy and cheap upgrade is to opt for a Cat6 cable. Cat6 cables are cable of faster Gigabit speeds and are backwards compatible with standard Cat5e systems.

When buying a new lead it’s a good idea to look online, there are big savings to be had. Many online stores can sell at a fraction of the price a high street store as they have less overheads. For a short two meter cable, you should expect to pay around three pounds.

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Promote A Home Cleaning Service With Promotional Items

There is no better, economical, and effective way to promote your home cleaning service and to increase sales is to use the tried and tested promotional method of giveaways and gifts. Promotional products are an effective and low cost way to grow the brand recognition, within the community and even outside it, for your home cleaning service. Whether it is a new business or a trusted and established service with high visibility in the community, your cleaning company is sure to attract additional home cleaning jobs, and rope in more clients, with the wise use of a range of promotional marketing items.

A start-up cleaning business can promote its services through these handouts, while a larger cleaning service, offering a range of options like full house cleaning, or window and floor cleaning, can also benefit from such drives. Promotional item giveaways can help to rapidly expand the customer base of any home cleaning service. Ranging from promotional items like magnets, to larger giveaways like kitchen utensils or household and cleaning products, giveaways can be very useful in promoting your services to existing clients and their friends and neighbors.

Items such as computer brushes or even screen cleaners imprinted with your name and logo not only bring the shine back to the clients home, but remind them to come back to your when spring cleaning time comes around! Choosing a handy promotional item ensures that the recipient clients are able to have it right in front of their eyes, usually on their desks or counter top. What this means is that your brand, and the services you provide, also remain in the forefront. This is one of the most effective marketing campaigns home cleaning service can engage in, and it is not the least bit expensive or even time consuming. Promotional goods and items are the perfect cleaning business marketing campaign and they are easily carried out, requiring the bare minimum of personal input and working time.

Promotional items can be anything from umbrellas and paperweights to pens and magnets, from key chains to cleaning supplies, and all of them have the power to make your brand popular for a much lower investment. Significant value as a branding tool, and lower investment in terms of money, time and effort, make them a better way of publicizing your brand than the more traditional forms of advertising. Magazines and newspapers, television and radio ad spots, all pale in comparison, with promotional products giving you the same impact level at a noticeably lower budget.

Get your promotional cleaning services give away from the wonderful collection at Action Printing Inc are the perfect way to get your home cleaning business brand and logo out into the wide world? From the small and handy to the larger and more useful-around-the house items, there’s a range on offer to choose from. For a much smaller budget than needed for any traditional mode of advertising, you are sure to get noticed, and both satisfied customers, and their friends and neighbors will be lining up in droves to offer you their business!

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10 Types of Jewelry For Men

When we think of jewelry, we automatically think of jewelry for women. These days it is becoming increasingly common and fashionable for men to wear jewelry. Although much of men’s jewelry serves a purpose, there are many items that have no other purpose than to complement a man’s natural good looks. Read on to discover some obvious (and some not so obvious) jewelry choices for men.

Make a Statement with Men’s Jewelry

1. Watches

Timepieces have been around for a few centuries and serve a useful purpose. Jewelry or machine? Honestly, a watch is really a piece of jewelry that also happens to tell time. This is a way to get men who do not like wearing “jewelry” to actually wear jewelry without knowing it. The type of watch worn has to match the image the man wants to project,: a watch for the executive, a Swatch for the artist, a Nike for the athlete. Since many men have active lifestyles, there are different watches designed for different activities.

2. Rings

The next most common piece of jewelry men wear is a ring. The reason being in just about every culture, rings are worn to symbolize marriage between two people. Rings have been around for ages. Unlike watches, they do not serve a purpose, but when worn on the left ring finger, they do send out a signal about a man’s marital status. Wedding rings used to be made out of just gold or platinum. In fact, it wasn’t until recently that wedding ring designers began to experiment with the idea of using alternative metals. One of the first alternative metals was titanium. The metal was valued for its light weight, white color and strength. It is used for many other types of jewelry, not just rings. Only less than 5 years ago, tungsten carbide – a relatively unknown metal to the general public – suddenly exploded in popularity. It now comprises 20% of all men’s wedding ring sales in North America. Men’s tungsten wedding bands are valued for their extreme hardness. They are four times harder than titanium and have a hefty weight that men like. Tungsten is so hard that only a diamond or sapphire can scratch it. Tungsten is also very affordable. If you want to stick to a precious metal ring, but don’t want to pay through your nose for a gold or platinum ring, palladium may be the way to go. Palladium rings look and act just like platinum because both these metals are from the same family of metals, the Platinum Group Metals. Palladium, however, is about 70% less expensive than platinum rings. Many jewelers only deal with a few select metals.

3. Earring(s)

Traditionally for women, the earring is now accepted by society for men. Some men wear one earring and some wear two. Men that have traditional jobs in an office setting are often discouraged from wearing earrings or not allowed to wear them by company policy. Although, less popular as a man’s gift, earrings are here to stay as men’s jewelry.

4. Bracelets

Although less popular than watches, bracelets are a piece of jewelry many men wear. Men’s bracelets used to be made of heavier and more expensive metals such as gold, but alternative metals are becoming increasingly popular. The variety of materials used for bracelets are more varied than for rings or watches, and many of them are not even metals. There are bracelets made of wooden beads, carbon fiber, and ceramics, as well as stainless steel and titanium. Frequently, they incorporate more than one of the above mentioned materials.

5. Necklaces

Necklaces were worn by more men in the past than today. Men who wear necklaces tend to wear just one. In the past there was a higher tendency to wear multiple necklaces. Multiple necklaces can be viewed as tacky or “slimy” today, and as such many men today avoid wearing multiple necklaces.

6. Pendants

Men have mostly switched from wearing necklaces to wearing pendants. Pendants can be used to show a man’s religious faith or just to express oneself. The most common pendant to wear is the cross, in countless variations, and much like bracelets, pendants which were mostly made of gold in the past are now being made in all kinds of metallic and non-metallic materials. Some men wear pendants in conjunction with necklaces, while others choose to wear their pendants around their neck with a modest black leather cord.

7. Cuff Links

Commonly referred to as men’s accessories, cuff links are actually jewelry that men wear without thinking they’re there just keep shirt cuffs buttoned, right? Cufflinks are most often worn in an office setting where more professional dress is required. They make great Father’s Day gifts or birthday gifts. They are usually made of stainless steel or in some cases titanium. Gold is used, but is less common.

8. Money Clip

Men who like to show they have higher status, or at least the appearance of high status, tend to use money clips. With credit cards beings so ubiquitous, many men do not have cash in their pockets, which defeats the purpose of a money clip. The clip part of the money clip is typically made of stainless steel and if there is a decorative element on the clip it can be made of silver, gold or some other type of material. Money clips are usually given on the same occasions as cuff links.

9. Fountain Pens

Designer fountain pens can cost anywhere from a few hundred dollars to tens of thousands of dollars, and tend to be gifts that companies give to their male and female executives. They can also be given to friends or spouses. In today’s high tech world, writing with pens is less common – even signatures can be electronic now. The fountain pen is becoming more of a piece of jewelry than a functional item.

10. Key Chains

Key chains are a jewelry item used to perform a function more than jewelry. For this reason, few key chains are made of expensive metals. Most are made of stainless steel, leather or titanium. This is a gift that is popular for Father’s Day or birthdays, particularly from a son or daughter.

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All You Need To Know About The PTFE Ring Gasket

Gaskets are one of the basic elements for preventing the leakage, mist formation, and spray outs after the flange guards. They are installed at the flange joints, pipelines or valve joints, etc. to prevent the leakage of the harmful gasses and liquids from the gap between the joints. The gaskets are proven to seal the gap between the surfaces of the joints and provide better protection at an affordable price. They bear the high pressure of the high-temperature chemicals and have corrosion resistance properties. They are used in many industries like automotive, aerospace, chemical industries, electronics, military industries, pharmaceuticals and appliances.

The Types Of The Loads That A PTFE Ring Gasket Bear Are As Follows:-

The initial compressive load is the bolt load which pulls the gasket material into surface defects to form a strong seal.
The hydrostatic end force which tends to separate the surfaces of the flange joints when the arrangement is over pressurized.
The internal load pulling the part of the gasket exposed to inner force. It tends to blow the seal out of the joint.
The various metals and materials are used to make gaskets which can meet the demand of various industries. The range covers non-metallic, semi-metallic and metallic gaskets. The industries mostly install PTFE ring gaskets which are made up of a material and provide better performance in the operation.

This type of the gaskets used widely in the chemical industries and pharmaceuticals because it avails numerous benefits, besides acting as the protective seal for the leakage. It reduces friction to provide a rigid usability and avoid any of the damage or failures.

There Are Many Factors That Are Affecting The Performance Of The Gaskets:-

The Flange Load – The pressure on the two surfaces of flange joints churns the product and compresses the gasket to create an even tighter seal. The gaskets are enough tough to bear this load and the bolts of the joints should be tightened enough to create a perfect seal.

Temperature – The high temperature sometimes affects the efficiency of the product, but the gaskets are made of the high-grade material which is actually temperature resistant.

Fluid – The chemicals flowing through the pipelines is highly corrosive in nature and the liquids are harder to sell in comparison to the gas. The PTFE ring gaskets seal the liquid and prevent it from flowing outside. The product also prevents the contamination of the liquid.

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