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"I dream of Candy!"
Sweet cakes and peanut butter squares
A living diabetic's nightmare. -- My heart
sings to the beat, Under the Neutron Star Crunch
Sweet sugar cookies and peanut butter bars
Taunting whoopers,
Dancing dum dum's,
The sweetest silhouette show - in my room
Dreamy, Creamy Cupcakes in the afternoon
Cinnamon Cheerios cascade on my spoon
Sweeter than my sweet tooth
Now and later - a forever honeymoon
Jigglin' my jelly belly boo berry Butterfinger delight
I'm in love, licking the icy ICEE all night long
Extra freshness, once I crop a top off of a mountain dew pop
My eyes sparkle like diamond dazzle razzles in the sky
i LIVE to fabricate my very own sugar extract R.E.M. Sleep
Savoring the sound of saliva trapped in my mouth
THIS night - ovulated buds - wait to feast!
Enjoying a delicious dulce music sleepy symphony
Braggin' and embracin' a pinata pillow escapade
Enchanted by a cotton candy crave - calling my name
Lalaloopsy licorice and lemonade tea
The best-wet dream I've ever seen
Marshmallows of solitude dulcify every fresh fantasy
Enticing in a bright slushy skittles daydream freeze
One fat sunny bowl of cereals and cane
Crackerjack spell --- chocolate chip swirls,
Caramel lumps constipate the brain
Sizing - peanuts and in a popcorn party payday
Wrigley's wild winter Spearmint Breath parade
Give me, give me, some Gummy bear Dessert
---------"Another Fruit Ninja hair DAY!"
Watermelon Taffy stuck on the top of my gums
Swallowing the whiteness in a whistle pop bar
Glaze of glory erupts deep down my throat 24/7
Bubblicious, mint twist, Sunkist the best Twizzler breakfast
Yummy in my twinkie tummy, drooling over frosted flakes
One more strawberry smoothie 44 oz cup
Counting each and every Pez popping'' up
Goodnight light,
It's time to get lost under the midnight moon pie sky
SELF- Huggin'' and snugglin'' to a new sugar rush high
Copyright © Poet Destroyer A | Year Posted 2015
I would like to talk about "nothing"
It is a most peculiar word
I have heard it used so often
The way it's used is often absurd
I'm told there's "nothing" to worry about
Yet I worry about "nothing" for days
I try to stop worrying about "nothing"
and why "nothing" inside my head ever stays
There isn't another word for "nothing"
With "nothing" only "nothing" can compare
When a woman speaks about all her clothing
How is it possible she has "nothing" to wear
When she tells me I'm "nothing" short of amazing
What in the world does that "nothing" mean
If that "nothing" is really something
If I look will that "nothing" be seen
We are told that everything comes from "nothing"
A "nothing" theory that lacks evidence
A Big Bang and a boom from a "nothing"
If an explosion is something
Is that why "nothing" makes sense
So if "nothing" in the end becomes "something
Then "nothing" is "nothing" at all
Just a word that causes confusion
"nothing" can be big or quite small
If "nothing" can separate us from God's love
Please keep "nothing" away from me
For if I settle for "nothing"
It will separate me from eternity
So you can see why "nothing" is a problem
I am "nothing" if I can't be me
"Nothing" in the end is perplexing
For "nothing" is a mystery!
Copyright © Richard Lamoureux | Year Posted 2015
Clothes all clean
but the washing machine
ate up all my panties.
Raced to the store
to buy some more,
But bought instead some brandy.
Stopped at a shop
for a lollipop;
a treat I find so dandy.
My skirt fell down
In the middle of town.
Now everyone's eyeing my candy!
Copyright © Arlene Smith | Year Posted 2014
That day by the lake,
tattered jeans and old t-shirts,
my hand in your back pocket as we walked,
your thumb
hooked over the top of my waistband.
It was hot,
...damned hot.
You tilted your hat at a silly angle and laughed,
I looked over and thought
...damned hot'
Smiles exchanged and then a kiss,
I think I melted inside.
We took turns walking backwards
holding both hands
drinking in the sight of each other.
Of course we fell,
you to the floor
and me...
completely in love.
Making a frame with my hands,
a captured moment,
'smile for the camera'
and what a smile it was.
Sitting together in the long grass,
both our hats at silly angles,
you made a frame in front of us,
as I kissed your cheek,
and captured a memory.
Images stored safely in my jeans pocket,
not the one with the hole,
that day by the lake...
it was perfect.
Only now I realise
one camera never worked.
The image of you, still vibrant
as that day,
but the one of us
you made with your hands
faded to barely a whisper.
That day by the lake
we both fell...
but only one fell in love.
Copyright © Sharon Tideswell | Year Posted 2010
Why do they call it 'tourist season'
If you're not allowed to shoot 'em
Seems like a great opportunity
To end the over crowding problem
If a house fly loses both of its wings
Would we have to call them 'walks'
Is it possible to have a civil war
Of course not that's just silly talk
Any idea what the best thing was
That came before sliced bread
If a turtle somehow loses its shell
Is it homeless, naked, or dead
I find this saying quite unnerving
"Practice" is what doctors do
And braille on drive-through windows
Find that kinda scary don't you
If a parsley farmer ever gets sued
Can they legally garnish his wages
Well that's enough of this silly talk
At times I go through these phases
© Jack Ellison 2012
Copyright © Jack Ellison | Year Posted 2012
Our Boogeyman
There is a boogeyman within
this home of ours, we swear he's here!
He comes and goes to mess with us
and bring about a silly fear.
It happens if we're here or not;
he seems to go from room to room
to keep us guessing why we see
phenomena that brings such gloom.
It has to do with lights, you see,
the kind you touch to turn them on;
somehow this boogeyman knows how
to toy with us, and whereupon,
we find our touch lamps brightly lit
in rooms, we enter while we're there.
But worst of all, to find them on
when we've been out, and such despair,
to wonder how that comes about??
For sure, it doesn't make much sense.
Do boogeymen have fingers that
can generate capacitance?
Sandra M. Haight
~4th Place~
Contest: Boogeyman
Sponsor: Nayda Ivette Negron
Judged: 06/02/2016
True Story!
"Touch-sensitive lamps almost always use a fourth property of the human body -- its capacitance. [kuh-pas-i-tuh ns] The word "capacitance" has as its root the word "capacity" -- capacitance is the capacity an object has to hold electrons. The lamp, when standing by itself on a table, has a certain capacitance. This means that if a circuit tried to charge the lamp with electrons, it would take a certain number to "fill it." When you touch the lamp, your body adds to its capacity. It takes more electrons to fill you and the lamp, and the circuit detects that difference." http://science.howstuffworks.com
Copyright © Sandra Haight | Year Posted 2016
Who was that masked man?!?
Brian Williams, rides again.
He was in Amilia Earhart's plane;
even rode with the Dalton Gang.
The day the Titanic went down;
In the rescue boat when Rose was found.
He went on expeditions with Louis and Clark.
Once gave his seat to Rosa Parks.
He was actually the first man in space.
That shadow on the moon........ It's his face!
The earliest woman, they deemed to be
bones in the desert they named Lucy.
She was his niece, tho she drug her knuckles,
so he really is a monkey's uncle!
He walked miles and miles on the Trail of Tears;
wondered the desert with Hebrews for forty years.
He dated Cleopatra; drank wine with Moses;
gave the Queen of Sheba a camel and roses.
He's walked with Bigfoot in the hills;
been bitten by vampires, but magically heals.
He has had great adventures of every kind.
He's Brian Williams; a legend in his own mind.
Maybe I can be one of those news cast stars.
This is Arlene, reporting from mars........
Couldn't resist this little tribute to the wild stories of reporter Brian Williams who was fired for seemingly padding up his stories....
Copyright © Arlene Smith | Year Posted 2015
I got my mind on my money and my money on my mind but no matter where
I go I see them same old hoes
BRING DA BEAT c'mon, c'mon, c'mon HERE WE GO
They be warin old clothes, exposin them busted ass toez in fishnet pantyhose
They be standin in rowz, striking that silly old pose, workin them same two
So the rumor grows, and everybody knows, that her name is rose, we know
rose blows
She got fired from LoweZ, 'cause she stole a garden hose, spent all the money
at Moe'Z
Yea - Moe'Z ho clothes and fishnet hose, down at 52nd and StrowZ, traffic
really slows when she bends to expose, she get dirt on them knees, when she
She putz the powder up her nose, didn't pay the fine she owez, gives a
discount to the bros
Ever'body froze, then the streetlight glows, that'z the way it goes, for all them
Same for the hoes, az it is for the bros, all the way from Melrose to the
And it's still the same for the Souix and them Navahoes, UH YEA UH YEA
written by
Warner Baxter
One Knight Stand Productions
all rights reserved
Copyright © Warner Baxter | Year Posted 2014
a quote from dear Dr. Suess......
Dr. Suess and his Shoe Store
LISTEN, LISTEN! I have BIG NEWS
Dr. Suess has a store just full of SHOES..
A GAZILLION shoes I'm sure there must be
Line them all up, bet they'd stretch to the sea!
Small shoes and tall shoes and some with spots
He even has one covered with pink polka dots..
...... Lots of Dots....
Round shoes and square shoes and OH MY
Even lots of cool shoes you don't have to tie!
A snake came in cause he was going to school
And wearing shoes at school is a VERY strict rule..
Now where could a snake wear a shoe you ask?
Well he wore the darn thing like a Halloween mask..
You can buy just one pair if your feeling thrifty
But poor old centipede - he had to buy fifty
He first bought 25 pair, all were bright yellow
Then 25 orange...now he's quite a colorful fellow!
A kangaroo complained that his feet were sore
So extremely sore he could not hop any more
They fixed him up with a spring loaded pair
Now he can happily hop from here to there!
So if a GRANDUFULOUS sight your longing to see
Dr. Suess is waiting at the corner of 7th and G
With shoes for the young and shoes for the old
HURRY! HURRY! before the purple ones get sold!
This is an old poem of mine that I reworked a bit....
Copyright © Barbara Gorelick | Year Posted 2015
The town was all a flutter; Zombie the Musical, was coming to town.
We all signed up as extras… Yes, as Zombies… here we did come.
Bruce Willis was the hero, with the Mad Scientist Z, for all to blame.
Dragon wanted to be the hero, but became the Evil Z. OH! Poor Thing!
His penguins, the perfect zombies, chased across the screen, so berserk!
The director wanted his zombies to twitch, but all thought he said, twerk!
Someone turned on 'Thriller', and amid the music, things began to work.
The penguins were endearing, as they stole the show. Wouldn't you know!
As they did the: step left, step right, Shuffle, shuffle, twerk, twerk, twerk!
Dragon flew on the set, but things got wonky, as the set, in flames, went up.
He crash-landed in the fire works, which scaring most the towns' zombies off.
All was meant to be dark and scary, but naturally that came out, sooo wrong.
The witches decided to dig up zombies, for the flash mob scene, to work.
The new zombies, did their own thing, chasing more town zombies away.
The witches got them from the cemetery, not telling those alive, today.
Bruce Willis, by now, was really banged up, as he fought the zombies off.
Everyone knew something was so wrong when one bit Dragon in the butt.
Thank goodness that fricasseed Zombie, couldn't bite thru Dragons Scales.
Well, everyone made a run for it…as the penguins steadfastly twerked on…
At this time, some say, the director was straight out seen, pulling out his hair.
He was yelling: Dumb Zombies need a brain! & They'd head to the cemetery…
If 'they only had a brain!' So someone added the song 'If I only had a Brain'.
The director wanted Die Hard, but got 'Die Hard without a Brain'. Yeah, Way!
Tho some would simply end up calling it, 'Die Hard to Twerk another Day'.
The director decided: if he couldn't beat them, join them. Yes, he surely did!
With the ending credits Dragon twerked. Groan! For shame! Nobody Look!
That's when Bruce Willis called Chuck Norris to help round the Zombies up!
The Zombies wouldn't take their cues! Well, not, until, it was time to Twerk!
Then they all just joined in, as apparently a real Zombie…Can Indeed Twerk!
They were all, finally sent home, with smiles upon their face. Uh... we think!
The witches put them back, by order of Chuck Norris, in any case! It's True!
For a witch can mess with a director, but No One messes with Chuck Norris!
What! You knew? And the after show party, with Chuck Norris, had such flair!
He even ask Dragon for an autograph… Now, Dragon's head is in the air!
And Note: Not a single Zombie was hurt in the making of this musical…
Though, many a one, did fall down, when Dragon flapped his wings.
The fricasseed Zombie liked his suntan and new hair style, it seems!
Written By Carol Eastman 1-22-2015
Copyright © Carol Eastman | Year Posted 2015
Is it Love
a simple bowl of ice cream
sweating from the heat
cherries on the top
huddled 'round and looking sweet
two little wooden paddles
pretend that they are spoons
as we sit beneath the stars
in the savor of the moon
your lips are all I see
as they caress them with a passion
the cherries on your tongue
in a delightful playful fashion
with our eyes intent and focused
in a stare of solemn trust
Is this ice cream truly love
or is it merely cherry lust
Copyright © Jerry T Curtis | Year Posted 2015
It's the summer, and it's time
to take the train to old Saint Ives
and visit my Aunt Clementine
who lives alone by an old salt mine.
Aunt Clementine, she likes to dine
on mac and cheese at half past nine
then eats big slices of strawberry pie
while she sits and watches the fire flies.
Aunt Clementine loves polka dots
mostly orange, there's quite a lot
on walls and rugs, on kitchen tops
on her clothes and her dog named "Spot".
Aunt Clementine has crazy hair
that flies around most everywhere
while she hurries and scurries
here and there, and likes to say,
"Well, I declare!"
When she puts her lipstick on
Aunt Clementine breaks out in song
and tells me I should sing along
even if I forget or flub or FLOB
she tells me I am never wrong.
My Aunt Clementine is really fun
she certainly is not a nun
and so full of mischief
I just love to come
to be with her is double fun
in my book she is number one!
Written on 8/19/2015
For Children's Story, Dr. Seuss Style contest
Copyright © Laura Leiser | Year Posted 2015
Little Miss Dumpty, satin and all
went to great London - to the Queen's ball.
With Prince she was smitten
but then lost her mitten -
frightened away, she had a great fall.
Copyright © David De la Croes | Year Posted 2013
Bullet Proof
If I was a bullet I would travel real fast
Take showers in the past
Use gun powder to keep me dry
Shop at Target
And avoid people at all cost
If I was a bullet I would buy a gun
A small one, for company
Challenge Superman to a race
Or simply let him leap tall buildings, if he were so inclined
As I leap to my own conclusions by his side
If I was a bullet I would go to Mexico
Drink tequila real slow to get inebriated
Finish off bottles of 90 proof vodka to prove a point
That I can become bullet proof in any old joint
9/01/14 The Poet - Poetry contest
Copyright © Earl Schumacker | Year Posted 2014
Oh, no, he best not patronize me on Valentines.
If I must dramatize appreciation, I shall agonize.
Each year, he thinks chocolates will rationalize
spending his time guarding the sofa so it won't rise,
while my cooking and housework threaten to paralyze
all I am behind my victimized and exhausted eyes.
Unless he bears one, one way ticket for me to paradise
or procures a gift he ingests that will tranquilize,
he can stuff candy hearts in his behind so gelatinized.
The last time I fell for that darned, deceiving cupid
I committed to him and living my life forever stupid.
... CayCay Jennings
January 28, 2017
Copyright © CayCay Jennings | Year Posted 2017
There you go again little Sly fox P.D.
Another game of tag and jeopardy.
Clever, clever, little fox so bloodthirsty.
Chaos roams through your veins of liberty.
You walk the ground, prancing around your hostility.
Marching down with the dignity of mis-guided anarchy.
I'm gonna hunt you smell end it well.
Hang you up from your trophy tail.
Kiss your night one last farewell.
By morning dawn your foxy tail,
Won't live another tale to tell.
I'm gonna find ya' ~ pull your hideout from where you hide.
Smack you around in your everyday rebellious ways.
Thinking you can defeat my crowd with your lawlessness..
I don't need no hounds to track your unlivable Holy-mess.
You created a selfish character of kindness for the blindness.
You prey on the sheep's and linger on their wall of hopelessness.
Your sinfulness grew from the boldness, and bitterness,
Of growing up parent-less.
My dear Sly Fox are you on alert with your ears of nobleness.
Did you not hear me creeping while you were sleeping.
Sly fox the destroyer!
You are right, you are a mischievous game of hunt!
My trap is set and waiting for you by the river front.
Go ahead, take a drink, pull one last obnoxious stunt.
Run and run, as fast as you can!
You can't out run this one game of Skitty Skat fox hunt.....
Copyright © SKAT A | Year Posted 2011
Brenda Gail
I am Compassionate, love and breathe poetry, humorous and a peace maker.
Sister of Patti Lynne, Paul, David and Beth.
I love children (more), I love to sing in a choir and have a song for just about everything. I love to make others happy.
I feel loved, appreciated and very blessed.
I fear not being healthy enough to make it to my son's wedding, getting sick this winter and losing my mom.
I'd love to be able to travel again, walk around a mall, and would love to be in a poetry slam.
Living in the GTA Greater Toronto Area, Ontario.
Written by Brenda Meier-Hans
Regina Riddles Contest: Bio Poems
Copyright © Brenda Meier-Hans | Year Posted 2014
This is really kind of a sad story
But please sit yourself down
For the words I'm going to bestow upon you
Will make you feel your watching a drunken clown
As I bow to gracefully greet you
My silly hat suddenly slips from my head
As I look to the ground and try to focus on it
I feel as if I should have stayed home in bed
Bending over I slowly reach for it
Then feel my face suddenly kissing the ground
Now the happy smile that I painted on my face
Has been smeared into a big ugly frown
Standing back up and trying to gather myself
I slowly begin to reach into my empty hat
But the dove that was supposed to be hidden in there
Is no longer where it should be at
So I reach to my sleeve for some flowers
Only to notice they are no longer there
I happen to pull out some fine ladies undies
To my amazement I think,what a nice pair
Then I reach to my other sleeve for something
Though so afraid of what it might be
I pull out a picture of my drunken self standing
In a photo box by a bar,casually taking a pee
In such embarassment I then begin to stumble
These big floppy shoes are too heavy for me today
I then reach into my pocket to find this here poem
Leaving me wonder,how will I to pay off my bar tab this way
Danny Boy Kearley:1-14-13
Not at all a true story..Ha,ha...
Just some silly words from my head(Hic-up)
Copyright © Dan Kearley | Year Posted 2013
Summer's winding down, it's chillier with the new born morning dew.
So I ran out to finish painting my house, before caught in winter's Noose.
Yeah! I DO procrastinate. It's true! But there's a Gall-Darn reason why!
His name is Dragon… Yes-sir-eeedie! And when he helps… Oh My!
So be forewarned, as soon there'll be paint, found clear up to the moon!
The first thing was the ladder…He knocked it down once or twice!
Grandpa Troll finally, locked it in place. Now isn't that really nice! <3
Fortunately, I'd already finished way up high, earlier in the spring.
The penguins painted the lower parts as they made their brushes sing.
And Dragon lifted them up on his tail for another section. How sweet!
But if he can work so well with the penguins, just why did he have to…
Knock me of my ladder, twice? A tail cramp he stated but… Honestly!
Do you believe that? Oh My? But things got worse as I spilled some paint…
On his head… It was just a drop or two. Honestly! Sorry, was what I said!
He wiped it from his face, head, and topknot plus all that bling he wears!
But did Dragon believe me? Not on your life! But I got to hose him down.
Hey! That was fun! As we only use water based paint, with him around.
As he wiped it off his face and all he wore, I saw his eyes spark red, Darn!
Here we go, again! But EVERYONE knows not to duck beneath, my ladder.
Don't you see! But as Dragon readied to singe my butt, a Priest came forth!
He'd stopped by, to bless our house, just then. Now wasn't that So Very Sweet!
I'm no dummy and asked people over, to distract Dragon, one by one, you see!
Ambulance drivers arrived to say hello! The police sold us tickets, to their ball!
But the best thing of all, they helped paint our house. Done with brotherly love!
We even trimmed the house in cute little penguin feet! And I turned to see…
Dragon feet going up a very tall tree. We'll keep them. What do you think?
As a conversational piece! Then the firemen barbecued everyone some lunch.
As we got out our telescope to check the moon for Dragon paws… Sure Nuff!
They were really there! I secretly, think the neighbor witch had been involved.
I know sure well, some agency will call! I say, let THEM go wash them off!
Now September has officially become the Dragon moon. Stop by to celebrate!
The whole town's here! Let the block party resume! Come on Y'all partake!
Copyright © Carol Eastman | Year Posted 2014
My Shoe Collection
Nice if you have them
There is love
There is happiness
When the next path of your journey
You take with shoes on your feet
I am coming out of the closet
I am not a woman
But I do have too many shoes
Love and relationships
Why there are a lot like a pair of shoes
At times, things may stink and smell
Yet still better as a pair
If I could walk a mile
In everyman's shoes
I could walk forever
Never having to buy my own
Red Shoes
The Red Socks
Will never win
Without good running shoes
Blue Shoes
If only I had blue shoes
Of suede
Id be dancing with you
After the autographs
Homeless people wish for shoes
Millionaires wish for closets
Big Shoes
My feet are so big
Ladies buy me my shoes
Shoe Sale
The man with one leg
Looks for shoe sales
At half off
The Hookers Shoes
A good hooker
Never has used shoes
Academy a Wards
Winners and losers
All complain about their shoes
Petty and jealous, the famously inane
Their shoes show their vain
Shoe Diversity
They come in many fashions
In shoes there is humanities design
We all walk the path of human strife
All Shoes matter
Celtic Shoes
Irish Shoes
Scottish shoes
Welsh shoes
All meet at the pub
So their feet can have a rest
While the mouths imbibe with chatter
If all goes well
Later on
The shoes fall off in a clatter
Miami Vice
Got the finest shoes from Miami
Found out they were fakes
Tongues were bent and crooked
Must have come from crocodile skinned tears
Mocking the homeless with no shoes over the years
The Great Canadian Shoe Trapper
The trapper goes for beaver pelts
The millionaire goes for shoes of felt
Armani makes it all the way
Only when the consumer comes out to play
The Shoeless Argentine
If you wish to invade the Falkland's
Remember to bring your shoes
Cause your dictator has all your money
He cares not if you really lose
Copyright © arthur vaso | Year Posted 2016
Kicking Santa is not nice to do.
Chuck Norris has replaced him, 'tis true.
You'd better not pout,
or a swollen snout,
and a stocking of whoop-ass for you!
Contest: A Quintain Christmas
Sponsor: Andrea Dietrich
I post on the Soup for all to see
And am no angel nor claim to be.
I am kind and all that
But carry a big bat...
So beware how you remember me!
February 2016
For the Sensitive Community contest.
Copyright © Keith Trestrail | Year Posted 2016
There's a monster beneath my bed
At least that's what brother said
Mom said-" now that's just silly
You know your brother Willy,
He just tries to make you shiver"
"But Wlly said it 'd eat my liver !"
You know I couldn't go to sleep
In case the monster made a peep
And sure enough, round midnight
The monster gave me a terrible fright
The thing let out an awful roar
And pounded on the bedroom floor
Then the monster began to giggle
And my whole bed began to jiggle
You guessed it, out popped Willy
The smack I gave him was a dilly,,,
We're grown now, its been awhile
But silly Willy still makes me smile..
Copyright © Barbara Gorelick | Year Posted 2014
The Build UP
One two…I want you
Three four...Kiss me more
Five six…tasty licks
Seven eight…I can't wait
Nine ten…Come again!
The Cool Down? ;)
Ten, nine…that was fine
Eight, seven…still in heaven
Six, five….I feel alive
Four, three…more for me
Two, one…I'm undone!
Eileen Manassian Ghali
Copyright © Eileen Manassian | Year Posted 2013
A vacuum cleaner should glide
And relief from messes provide
It is quite unlike
Harley Davidson's bike
Since the dirtbag's on the inside
Author's note: Someone told me this vapid joke at work today, so I framed it as above--enjoy!
Copyright © Duke Beaufort | Year Posted 2013


text:
- Medium
- Lithograph
- Dimensions
- composition (irreg.): 13 1/8 x 10 7/8" (33.3 x 27.7 cm); sheet: 18 1/2 x 14 5/8" (47 x 37.1 cm)
- Publisher
- unpublished
- Printer
- the artist, Dresden
- Edition
- unknown (approx. 7-10)
- Credit
- The Associates Fund
- Object number
- 176.1986
- Copyright
- © 2017 Erich Heckel / Artists Rights Society (ARS), New York / VG Bild-Kunst, Germany
- Department
- Drawings and Prints
This work is not on view.
Erich Heckel has 80 works online.
There are 20,281 prints online.
Provenance Research Project
This work is included in the Provenance Research Project, which investigates the ownership history of works in MoMA's collection.
David Nolan, New York, ? ; sold to The Museum of Modern Art, New York, 1986
If you have any questions or information to provide about the listed works, please email email@example.com or write to:
Provenance Research Project
The Museum of Modern Art
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New York, NY 10019
Image permissions
Licensing of MoMA images and videos is handled by Art Resource (North America) and Scala Archives (all other geographic locations). All requests should be addressed directly to those agencies, which supply high-resolution digital image files provided to them directly by the Museum.
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subset: commoncrawl


text:
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Objectives After studying this chapter, you will able to Explain what a firm is and describe the economic problems that all firms face Distinguish between technological efficiency and economic efficiency Define and explain the principal-agent problem and describe how different types of business organizations cope with this problem
Objectives After studying this chapter, you will able to Describe and distinguish between different types of markets in which firms operate Explain why markets coordinate some economic activities and firms coordinate others
Spinning a Web Tim Berners-Lees idea, the World Wide Web, has provided a platform for the creation of thousands of profitable businesses from tiny owner-operated firms to giant multinationals. This chapter explains the role of firms and the problems that all firms face.
The Firm and Its Economic Problem A firm is an institution that hires factors of production and organizes them to produce and sell goods and services. The Firms Goal A firms goal is to maximize profit. If the firm fails to maximize profits it is either eliminated or bought out by other firms seeking to maximize profit.
The Firm and Its Economic Problem Measuring a Firms Profit Accountants measure a firms profit using rules laid down by the Internal Revenue Service and the Financial Accounting Standards Board. Their goal is to report profit so that the firm pays the correct amount of tax and is open and honest about its financial situation with its bank and other lenders. Economists measure profit based on an opportunity cost measure of cost.
The Firm and Its Economic Problem Opportunity Cost A firms decisions respond to opportunity cost and economic profit. A firms opportunity cost of producing a good is the best, forgone alternative use of its factors of production, usually measured in dollars. Opportunity cost includes both: Explicit costs Implicit costs
The Firm and Its Economic Problem Explicit costs are costs paid directly in money. Implicit costs are costs incurred when a firm uses its own capital or its owners time for which it does not make a direct money payment. The firm can rent capital and pay an explicit rental cost reflecting the opportunity cost of using the capital. The firm can also buy capital and incur an implicit opportunity cost of using its own capital, called the implicit rental rate of capital.
The Firm and Its Economic Problem The implicit rental rate of capital is made up of: Economic depreciation Interest forgone Economic depreciation is the change in the market value of capital over a given period. Interest forgone is the return on the funds used to acquire the capital.
The Firm and Its Economic Problem The cost of the owners resources is his or her entrepreneurial ability and labor expended in running the business. The opportunity cost of the owners entrepreneurial ability is the average return from this contribution that can be expected from running another firm. This return is called a normal profit. The opportunity cost of the owners labor spent running the business is the wage income forgone by not working in the next best alternative job.
The Firm and Its Economic Problem Economic Profit Economic profit equals a firms total revenue minus its opportunity cost of production. A firms opportunity cost of production is the sum of the explicit costs and implicit costs. Normal profit is part of the firms opportunity costs, so economic profit is profit over and above normal profit. Table 9.1summarizes the economic accounting concepts.
The Firm and Its Economic Problem Economic Accounting: A Summary To maximize profit, a firm must make five basic decisions: What goods and services to produce and in what quantities How to producethe production technology to use How to organize and compensate its managers and workers How to market and price its products What to produce itself and what to buy from other firms
The Firm and Its Economic Problem The Firms Constraints The five basic decisions of a firm are limited by the constraints it faces. There are three constraints a firm faces: Technology Information Market
The Firm and Its Economic Problem Technology Constraints Technology is any method of producing a good or service. Technology advances over time. Using the available technology, the firm can produce more only if it hires more resources, which will increase its costs and limit the profit of additional output.
The Firm and Its Economic Problem Information Constraints A firm never possesses complete information about either the present or the future. It is constrained by limited information about the quality and effort of its work force, current and future buying plans of its customers, and the plans of its competitors. The cost of coping with limited information limits profit.
The Firm and Its Economic Problem Market Constraints What a firm can sell and the price it can obtain are constrained by its customers willingness to pay and by the prices and marketing efforts of other firms. The resources that a firm can buy and the prices it must pay for them are limited by the willingness of people to work for and invest in the firm. The expenditures a firm incurs to overcome these market constraints will limit the profit the firm can make.
Technology and Economic Efficiency Technological Efficiency Technological efficiency occurs when a firm produces a given level of output by using the least amount inputs. Table 9.2 shows four ways of making a TV set, one of which is technologically inefficient. There may be different combinations of inputs to use for producing a given level of output. If it is impossible to maintain output by decreasing any one input, holding all other inputs constant, then production is technologically efficient.
Technology and Economic Efficiency Economic Efficiency Economic efficiency occurs when the firm produces a given level of output at the least cost. Table 9.3 shows how the economically efficient method depends on the relative costs of capital and labor. The difference between technological and economic efficiency is that technological efficiency concerns the quantity of inputs used in production for a given level of output, whereas economic efficiency concerns the cost of the inputs used.
Technology and Economic Efficiency An economically efficient production process also is technologically efficient.\ A technologically efficient process may not be economically efficient. Changes in the input prices influence the value of the inputs, but not the technological process for using them in production.
Information and Organization A firm organizes production by combining and coordinating productive resources using a mixture of two systems: Command systems Incentive systems
Information and Organization Command Systems A command system uses a managerial hierarchy. Commands pass downward through the hierarchy and information (feedback) passes upward. These systems are relatively rigid and can have many layers of specialized management.
Information and Organization Incentive Systems An incentive system, uses market-like mechanisms to induce workers to perform in ways that maximize the firms profit.
Information and Organization Mixing the Systems Most firms use a mix of command and incentive systems to maximize profit. They use commands when it is easy to monitor performance or when a small deviation from the ideal performance is very costly. They use incentives whenever monitoring performance is impossible or too costly to be worth doing.
Information and Organization The Principal-Agent Problem The principal-agent problem is the problem of devising compensation rules that induce an agent to act in the best interests of a principal. For example, the stockholders of a firm are the principals and the managers of the firm are their agents.
Information and Organization Coping with the Principal-Agent Problem Three ways of coping with the principal-agent problem are: Ownership Incentive pay Long-term contracts
Information and Organization Ownership, often offered to managers, gives the managers an incentive to maximize the firms profits, which is the goal of the owners, the principals. Incentive pay links managers or workers pay to the firms performance and helps align the managers and workers interests with those of the owners, the principal. Long-term contracts can tie managers or workers long- term rewards to the long-term performance of the firm. This arrangement encourages the agents work in the best long-term interests of the firm owners, the principals.
Information and Organization Types of Business Organization There are three types of business organization: Proprietorship Partnership Corporation
Information and Organization Proprietorship A proprietorship is a firm with a single owner who has unlimited liability, or legal responsibility for all debts incurred by the firmup to an amount equal to the entire wealth of the owner. The proprietor also makes management decisions and receives the firms profit. Profits are taxed the same as the owners other income.
Information and Organization Partnership A partnership is a firm with two or more owners who have unlimited liability. Partners must agree on a management structure and how to divide up the profits. Profits from partnerships are taxed as the personal income of the owners.
Information and Organization Corporation A corporation is owned by one or more stockholders with limited liability, which means the owners who have legal liability only for the initial value of their investment. The personal wealth of the stockholders is not at risk if the firm goes bankrupt. The profit of corporations is taxed twiceonce as a corporate tax on firm profits, and then again as income taxes paid by stockholders receiving their after-tax profits distributed as dividends.
Information and Organization Pros and Cons of Different Types of Firms Each type of business organization has advantages and disadvantages. Table 9.4 lists the pros and cons of different types of ownership.
Information and Organization Proprietorships are easy to set up Managerial decision making is simple Profits are taxed only once But bad decisions made by the manager are not subject to review The owners entire wealth is at stake The firm dies with the owner The cost of capital and labor can be high
Information and Organization Partnerships are easy to set up Employ diversified decision-making processes Can survive the death or withdrawal of a partner Profits are taxed only once But partnerships make attaining a consensus about managerial decisions difficult Place the owners entire wealth at risk The cost of capital can be high, and the withdrawal of a partner might create a capital shortage
Information and Organization A corporation offers perpetual life Limited liability for its owners Large-scale and low-cost capital that is readily available Professional management Lower costs from long-term labor contracts But a corporations management structure may lead to slower and expensive decision-making Profit is taxed twiceas corporate profit and shareholder income.
Information and Organization The Relative Importance of Different Types and Firms There are a greater number of proprietorships than other form of business, but corporations account for the majority of revenue received by businesses.
Information and Organization Figure 9.1(a) shows the frequency of each type of business organization. Figure 9.1(b) shows the dominant type of business organization for various industries.
Markets and the Competitive Environment Economists identify four market types: Perfect competition Monopolistic competition Oligopoly Monopoly
Markets and the Competitive Environment Perfect competition is a market structure with: Many firms Each sells an identical product Many buyers No restrictions on entry of new firms to the industry Both firms and buyers are all well informed of the prices and products of all firms in the industry.
Markets and the Competitive Environment Monopolistic competition is a market structure with: Many firms Each firm produces similar but slightly different productscalled product differentiation Each firm possesses an element of market power No restrictions on entry of new firms to the industry
Markets and the Competitive Environment Oligopoly is a market structure in which: A small number of firms compete The firms might produce almost identical products or differentiated products Barriers to entry limit entry into the market.
Markets and the Competitive Environment Monopoly is a market structure in which One firm produces the entire output of the industry There are no close substitutes for the product There are barriers to entry that protect the firm from competition by entering firms
Markets and the Competitive Environment Measures of Concentration Two measures of market concentration in common use are: The four-firm concentration ratio The Herfindahl–Hirschman index (HHI)
Markets and the Competitive Environment The four-firm concentration ratio is the percentage of the total industry sales accounted for by the four largest firms in the industry. The Herfindahl–Hirschman index (HHI) is the sum of the squared market shares of the 50 largest firms in the industry. The larger the measure of market concentration, the less competition that exists in the industry. Table 9.5 on page 202 shows an example calculation for each ratio.
Markets and the Competitive Environment Concentration Measures for the U.S. Economy The U.S. Justice Department uses the HHI to classify markets. A market with an HHI of less than 1,000 is regarded as highly competitive A market with an HHI between 1,000 and 1,800 is regarded as moderately competitive A market with an HHI greater than 1,800 is uncompetitive
Markets and the Competitive Environment Figure 9.2 shows the four- firm concentration ratio for various industries in the United States. The figure also shows the HHI for these industries.
Markets and the Competitive Environment Limitations of Concentration Measures Concentration measures alone are not sufficient to identify the market structure of a given industry. Concentration ratios are based on the national market. For some goods, the relevant market is local (e.g., newspapers) For some goods, the relevant market is the world (e.g., automobiles).
Markets and the Competitive Environment Concentration ratios convey no information about the extent of barriers to entry. For some industries, few firms may be currently operating in the market but competition might be fierce, with firms regularly entering and exiting the industry. Even potential entry might be enough to maintain competition.
Markets and the Competitive Environment Table 9.6 on page 203 summarizes the range of other information used with the concentration ratio to determine market structure.
Markets and the Competitive Environment Market Structures in the U.S. Economy Figure 9.3 shows the distribution of market structures in the U.S. economy. The economy is mainly competitive.
Markets and Firms Market Coordination Markets both coordinate production. Chapter 3 explains how demand and supply coordinate the plans of buyers and sellers. Outsourcingbuying parts or products from other firms is an example of market coordination of production. But firms coordinate more production than do markets. Why?
Markets and Firms Why Firms? Firms coordinate production when they can do so more efficiently than a market. Four key reasons might make firms more efficient. Firms can achieve: Lower transactions costs Economies of scale Economies of scope Economies of team production
Markets and Firms Transactions costs are the costs arising from finding someone with whom to do business, reaching agreement on the price and other aspects of the exchange, and ensuring that the terms of the agreement are fulfilled. Economies of scale occur when the cost of producing a unit of a good falls as its output rate increases. Economies of scope arise when a firm can use specialized inputs to produce a range of different goods at a lower cost than otherwise. Firms can engage in team production, in which the individuals specialize in mutually supporting tasks.
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Camp2Relax campsite Riu is a real family campsite nearby the beach and river and beautiful historical cities, and only 50km away from the Spanish border. Campsite Riu is ideal for families with children. On this campsite you'll find a large swimming pool and a toddler pool, a small supermarket and a restaurant where you can enjoy a delicious meal.
If you want even more water fun, why not hire a canoe.
While the children are being entertained by the special entertainment team, the parents can have a workout in the gym.
Campsite Riu is a cosy campsite spread out over 5 hectare with lots of shade and a large variety of activities. A wide sandy beach is only a 15 minute walk away and in high season a small train will take you here.
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text: Media Pounces on Young Student Survivors of Connecticut School Shooting for On-Air InterviewsTracie Egan Morrissey12/14/12 4:20pmFiled to: school shootingConnecticut shootingAdam lanzatweetFb226EditPromoteShare to KinjaToggle Conversation toolsGo to permalink NBC, ABC, CBS, and CNN all interviewed numerous young students — mostly second, third, and fourth graders — from Sandy Hook Elementary, mere moments after they were reunited with their parents. The children survived this morning's deadly school shooting, but is it healthy for these kids, who've witnessed the second-worst school shooting in U.S. history, to be speaking to cameras before speaking to therapists? Reply226 repliesLeave a reply


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Vernon G. Brown Malevil Iris Gardens Region 17 - USDA
7 AIS,ASI,MIS,RIS,SPIS,TBIS Lubbock, Texas 79403 email@example.com
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Re: Joint Venture ABI'm not sure sure about
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R&I description. I hope hybridizer Sharon McAllister will chime in
and verify for us.Kathy ChiltonTucson, AZ Your
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Publication Name: New Braunfels Herald Zeitung
Location: New Braunfels, Texas
Pages Available: 250,382
Years Available: 1952 - 2013Learn More About This Publication
New Braunfels Herald Zeitung (Newspaper) - July 2, 1985, New Braunfels, Texas roAM INSULATED1 k>s thanK iA>r»V briquets Kingsford Charcoal Briquets are hardwood briquets for that great charcoaled flavor 10 pound bag 2.66 .99 Johnson Baby Powder Purest Protection for Baby. Baby Fresh Wipes. 40 Pre-moistened wipes. Downy Fabric Softener .n the handy 64 ounce size And at a great low price, too Clod Tall Kitchen Bags, sixty 13-gal bags Clad Trash Bogs, forty 30-gal bags New Braunfels Open 9 am-9 pm Mon*Sat. 11 am -5 pm Sunday IQ6V upon you' toll Mot tton * you ca* not happy w«h what you pufChaM •fur-' • with your KMM r*c*pt ** wW chM*fcj»y Melange A or lUMy mhjr><3 you* morv^y to* jr>icx«i«ei •#aic : umn<te*3 »'«• comport) DW quality ana value possible Moil advorti»#d items are reduced Itam our everyday low onces Sorry, nrverchanaise it it limited quantities and available only wn.ie supply Witt ap >>*.•*■*-' y '1 Mottle wa Vtoo or coir Mr# wont you to De glad you shopped !<*•¥ : s no* CJvCtlotMfc we wk Du giod lr. ofter you "I '*<• .r 1 t . .a*'*'*»» WU wW tjw tv; pay lo accept voui DU! SOT VV'. ne -J Caffeine Free Items Available Af The TGBY Family Centers Listed Below Only Prices in effect July 2-4 Kodak Kodo* color VR Film: C110-24, CPI 35-24 or Disc-15 single pack STYROcup Foam Cups Twenty 16-ounce or fifty-one 8 5 ounce cups per package Sturdy foam cups that are picnic-perfect Lima 2 packs Scott Paper Napkins in the handy economy pack 300 per package in your choice of white or assorted colors Take advantage of a great low price for this holiday s festivities Limit 2 packages J baby po wilt? r Open July 4th 9 am to 6 pm Copyright t985 TGS* Stores Co Ruffles Potato Chips in your choice of Regular, Bar-B-Que or Sour Cream and Onion Don't forget to pack the Ruffles' Pick up a 6-pack Your Choice I Hew Tab Taste! I Stock up on Coke, Diet Coke, Tab or Sprite, soft drinks sure to refresh your July 4th holiday Limit 4 six-packs Spnte not available rn all markets 8 pocks substitutea in some markets at a comparable once Foam Plates Package of SO Flat or divided section foam plates Sturdier than conventional paper plates and won 't soak through ;


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The interdisciplinary BCBP major comprises courses in biology, chemistry, mathematics, physics, and computer science, in addition to the senior-year comprehensive requirements. Following a common set of six introductory courses in chemistry, biology, and physics, students will choose, depending on their particular scientific interests, either the "Biophysics" or "Biochemistry" track of the major. While these two tracks share much in the way of coursework (see the "Course Requirements" link on the left), they differ somewhat in the emphasis of the upper-level courses: the biophysical track offers a focus on computational and physical approaches to studying biological problems; the biochemical track provides a stronger emphasis on the tools and principles of molecular biology and biological chemistry.
In terms of course requirements, BCBP is one of the most academically demanding majors at Amherst: it requires 12 courses, some of which may have further prerequisites that don't directly count toward the major. Moreover, at least 7 of the required courses in the biophysical track and 9 in the biochemical track have laboratory components (these numbers of lab courses could be even higher depending on a student's course selection). We point this out not to discourage anyone from majoring, but simply so that students interested in BCBP will have a realistic view of the demanding trajectory required for completing the major.
BCBP majors may also choose to complete a senior honors-thesis project. Thesis work counts as 3 "courses," one in the fall and two in the spring of the senior year. A student's thesis project will be in an area of ongoing research under the supervision of one (or more) of the BCBP faculty members. (Thesis research is not tracked; that is, any student could in principle work with any BCBP faculty member for his/her thesis research.)


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Accepting credit card payments from your clients has proven to increase average order sizes by as much as 40%. If you want to know how to accept credit cards in your business, you are in the right place.
For most small businesses, we recommend Square as a fast and easy way to accept credit card payments. It's free and you can get set up in minutes, making it the perfect solution for new and small businesses. Click here to get started today.
Table of Contents:
Terms You Need To Know
What you need to have: Brick and Mortar, Online, Mobile
Credit Cards vs. Debit Cards: Which is better for merchants?
Processing Credit Cards: Rates, Fees and What you Should Know
How Access To Funds Works
How Refunds and Disputes Work
Protecting Yourself From Fraud
Contract or No Contract
Credit Card Processing Terms You Need To Know
There are some terms you will need to be familiar with in order to make an informed decision about implementing your credit card processing solution. They are:
Merchant Account – A merchant account is what allows you to accept and process credit card payments. It allows the credit card companies to easily take back fraudulent or disputed transactions before they hit your bank account. You generally get your merchant account through a merchant account provider. Our recommended merchant account provider is Payline.
Point of Sale (POS) System – Generally includes an iPad, iPad stand, cash box, credit card reader, and receipt printer. Many POS systems also help track inventory and manage employees, making it much easier to run a retail business. Square, a free POS, handles merchant accounts for you, even further simplifying life for small retailers.
Shopping Cart – Part of an online store that allows customers to select items for purchase.
Payment Gateway – The form that your customers will use to enter in their payment information when making payments online, and the back end technology that processes those payments.
Do you want to know how to accept credit cards in-store, online, remotely via smartphone or over the phone?
The type of credit card processing solution you decide to implement, will depend on how and where you want the ability to accept credit cards. Some solutions are designed specifically for accepting credit cards in store. Others focus on online credit card processing, and still others focus on giving you mobile credit card processing capabilities via a smartphone or tablet.
The costs will also vary. The risk of fraud is higher for online transactions versus in-store transactions, where the cardholder is present and their identity can be verified by the person processing the transaction. Because of the higher risk, processing Internet based credit card transactions tends to cost more.
Credit Card Processing Solutions – What will you need?
Brick and Mortar Store
What You Will Need: POS System and Merchant Account
A credit card reader (which can easily be rented or bought) will hook into your store's POS system or directly into your Internet and submit information to the credit card company. You will get back a confirmation that the transaction went through or was declined. The money is then processed by your merchant account provider and sent to your bank account.
For most small businesses, we recommend Square POS, an excellent free POS that can accept credit cards and help manage your inventory and sales. Click here to get started today.
Online Payments
What You Will Need: Payment Gateway + Internet Merchant Account. (If you sell lots of items you will also need a shopping cart)
Just because you have a merchant account doesn't mean you are set-up or allowed to take online transactions through the merchant account. It's also very likely the fees for online transactions will be quite different. You need to ask specifically about an Internet merchant account.
For online transactions, the payment gateway (you can think of it as the form in which a person inputs their credit cards data) replaces the credit card reader. After the transaction is successfully processed, the money is processed by your merchant account provider and then sent on to your bank account. If you have a lot of items, you will want to have an online shopping cart which integrates well with your payment gateway.
If you are going to be processing less than 50 online transactions a month, then we recommend Paypal who will provide both your payment gateway and merchant account. If you are going to be doing more than 50 transactions a month or want a service that can handle both in store and online transactions, then we recommend Payline. They also provide both the gateway and the merchant account.
What You Need: Card Reader + Merchant Account
With mobile, your smartphone becomes the credit card reader. A small attachment is provided for your smartphone which enables you to swipe the credit card's magnetic strip. After the transaction is successfully processed, the money is sent to a merchant account and then to your bank account.
If you are going to be accepting less than 50 mobile payments per month, then we recommend using Paypal here. If you are going to be doing more than 50 mobile payments per month, or if you want the ability to accept payments in store, via mobile and online then we recommend going with Payline. For more on how to accept credit card online see our guide here.
Credit Cards vs. Debit Cards: Which is better for merchants?
As a merchant, it's a lot cheaper to process debit cards than it is to process credit cards. If the debit card comes from a big bank (with $10 billion dollars or more in assets) you'll pay an average of $0.24 per transaction, according to a Federal Reserve report. If the card comes from a smaller bank, like a city-based bank (with less than $10 billion in assets) then your processing fee will be, on average, $0.43.
When you accept credit cards, you pay more for processing fees. You have to pay the interchange rate set out by card companies (here are MasterCard's interchange rates for 2014-2015) plus the company that provides your merchant account or processes credit cards for you.
Taking cash and debit payments is always going to cost you less as a merchant.
Processing Credit Cards: Rates, Fees and What you Should Know
The fees for processing credit cards can get very complicated very quickly. To try and keep things simple, remember that you are going to be paying three types of fees. These are:
- A percentage of the transaction.
- A fixed amount per transaction.
- Setup and service fees which are not based on the volume or number of transactions.
Your focus in terms of which set of fees you want to minimize, is going to depend on the number of transactions that you are doing, and the size of those transactions. Here's what you need to know:
- If most of your business comes in transaction sizes of less than $25, the fixed amount per transaction is what you want to try and minimize.
- If most of your business comes in large transaction sizes of more than $25, then the percentage you are charged per transaction is going to be more important.
- The smaller the total amount of transactions you do each month is, the more important any upfront setup and ongoing fees that the merchant service provider charges are going to be.
With most merchant account service providers, all the rates are negotiable based on your volume so it's important to speak with several to understand which is offering you the best rate.
Here are the questions you want to ask:
If you want a more specific breakdown, check out our credit card processing fees article (we compare the rates and fees for 3 of the top providers).
Do you use a tiered or interchange plus pricing model?
There are two basic ways in which the transaction percentage can be charged. One is a fixed percentage based on the type of credit card, which includes bank fees, credit card company fees, and merchant account fees. Typically this is called a tiered pricing system.
The other is the "interchange +" model, where the merchant account fee is set (and not dependent on the credit card) but all of the other costs, including bank and credit card charges, are passed on to the merchant.
Credit card companies will charge more if you make a rewards card transaction but your processor may also charge extra in a tiered system. In an interchange plus system, the processor cut remains the same and is a set percentage no matter what kind of card you process.
We recommend sticking with providers that offer the interchange + pricing model. With this model it's easy to see exactly how much you are going to be paying. Just make sure you understand how often and when the interchange plus pricing model can be raised by your merchant account service provider.
What are your fees for debit cards?
Accepting Debit Cards can cost from 0.2% – 2.0% of the transaction, plus a fee from $0.11 to $0.25 per transaction.
Keep in mind that fees will vary depending on whether the card is taken in store, via a mobile device or over the internet. Internet transactions are considered the riskiest and therefore generally have the highest costs.
What are your fees for credit cards?
Accepting Credit Cards can cost from 1.5% – 4.0% of the transaction, plus a fee from $0.20 to $0.30 cent per transaction.
Make sure you get these fees listed for all the different cards you plan to accept. For example American Express and International Cards always costs more, and many rewards cards do as well.
Payline Data uses an interchange plus system. Here is an example chart for Payline Data that shows your costs and the cuts for each party involved in a transaction:
Keep in mind that fees will vary depending on whether the card is taken in store, via a mobile device or over the internet. Internet transactions are considered the riskiest and therefore generally have the highest costs.
What upfront/setup fees are there?
Some merchant account companies will charge you fees when you sign up, which are monthly or in bulk. This may or may not include hardware, training, customization, integrating a new system with your current existing software and hardware.
What ongoing monthly and/or annual fees are there?
All merchant account service providers charge Payment Card Industry (PCI) compliance fees for security. This is generally somewhere around $100 a year. Some bill this separately on an annual basis and some roll it into their monthly fee.
Many also charge a monthly fee for things like customer service. If the merchant service provider charges a monthly fee often times they will include everything including the PCI fee in this monthly fee.
Are there any hardware purchasing or leasing fees?
This is for things like card readers, terminals, cash drawers, bar scanners and printers. While some hardware is free, (many mobile credit card processing providers, including Bluepay and Paypal Here offer one free card reader), others will cost you. Merchant Warehouse sells iPhone 4 and iPad card readers for $129.00 and PIN Pads for $69.00 to $105.00.
Are there any fees for payment gateways and POS systems?
While some firms like Bluepay provide a complimentary payment gateway for online transactions, some do not. A merchant is also expected to purchase their own shopping cart and point of sale system independently.
Access to Funds
How fast can you access your money? It depends. If you go with Bluepay they guarantee that you will have your funds within 2 business days for in store, mobile, and online transactions.
Most other credit card processors, such as Merchant Warehouse state that you'll have your money within one to two business days for in store payments made with major credit cards only. American Express credit cards will take longer, typically 3 to 5 business days.
For mobile payments, you often have to wait longer. PayPal Here can take up to 7 days, but funds can also be held for up to 30 days.
Online payments usually have the longest wait period before you can access funds. They are riskier, as cards and card holders are not present and there is a greater risk of fraud. If you use PayPal, for example, funds will be available in 3 to 5 business days, though you may have to wait up to 30 business days.
Part of offering great customer service is offering refunds. A refund will probably cost you, however. How much it will cost depends and you should make sure you understand this clearly before your choose a processing company. Some companies will charge you a small fee but will refund the interchange fee. Others will not only hang on to the interchange fee but also charge you a transaction fee and a processing fee.
There is also a time limit on refunds. The range varies but is often between 60 days to 120 days.
It can take three to five business days for a refund to process, though they are online complaints of refunds taking up to six weeks.
How do disputes work?
How a dispute is resolved depends. For Merchant Warehouse, merchants must refute a claim in writing that includes the time of the chargeback notification. Merchants can also appeal chargebacks that were not due to their own errors. Some will settle the dispute on your behalf, and other refer you to your financial institution or credit card processor.
Usually, a customer will open a dispute.They may or may not contact you and just deal directly with the credit card processor, which will notify you.
Many companies try and help you and your customer come to an agreement. Usually, the funds in question are frozen. There may be a processing fee for settling the dispute, and you may have to pay a chargeback fee, which ranges but is often around $25.00. If you did not operate with due diligence to confirm the identity and authorization of the payment, you may also be charged a fee.
Protect Yourself from Fraud
Not interested in being burned by a credit card user posing as a friendly customer? To avoid costly and time consuming fraudulent activity, be sure to:
- request identification with a photo id for in person transactions
- visually check the signature and card number
- ask for the three digit code on the back of all Visas and MasterCards (and require this in online purchases)
- require contact information for phone or email (in online purchases)
- don't hold data on your own computer
- use the Address Verification Service (AVS) for all online and phone purchases (ZIP code and street address) and be sure they match up with the credit card
- refund cards, versus cash
No one likes to be a victim of fraud, but taking steps to protect yourself and your customers can help shield you should it take place. Be sure to report any suspicious or fraudulent activity immediately.
A lot of credit card processors integrate with QuickBooks. Many also integrate with POS systems, though it may depend on the brand. This is the same with hardware. Many companies will work with major brands, but also sell or lease equipment that is guaranteed to work.
To Contact or not to Contract
Before, you often had to sign a one to multi year contract. Today, many of the younger companies offer month to month service without a contract.
Service providers that do require a contract often require a commitment of three months to up to five years, if you've taken advantage of pairing services, and gotten for example, a free POS system.
Keep in Mind…
Swiping cards is usually the cheapest way to process. It is also less risky as the card and card holder are usually present. Swiped card rates have a range of fees. The very lowest swiped rate is what most companies highlight in advertising.
Keying in card information is another way to take payments. It takes longer and often comes with a higher rate than swiped cards. There is a higher risk associated with keying in as the card and cardholder do not need to be present.
Debit Cards: Domestic vs. International
If most of your customers are using American cards, you will probably be charged a lower domestic card rate. Occasionally, Canadian cards are also considered domestic but they're often not. If you rely heavily on international customers, such as hordes of Canadian cross-border shoppers, summer tourists from overseas or online sales abroad than you may be charged significantly more. International cards are often processed at the highest rate.
At the End of the Day
Accepting credit cards boosts small business. A lot of companies would love to serve you, so shop around for a solution that fits your needs. Don't get bedazzled by the advertised rates. Clearly identify and understand the fees you'll be paying and you'll be on your way to ringing up more sales and building more success.
Ready to start processing credit cards? We recommend Square as a fast and easy way to accept credit card payments. It's free and you can get set up in minutes. Visit Square to get started today.


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I go every Sunday for their soup and breadsticks. Good price, friendly service. Tasty menu.great for special occasions or just for the neck of it.
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I go every Sunday for their soup and breadsticks. Good price, friendly service. Tasty menu.great for special occasions or just for the neck of it.
This is the most wonderful experience we had here the staff is so nice. The waiter here are so kind so stop by and grap a bite to eat
We have never had a bad experience at Olive Garden. Our order was correct, our special requests met. Only reason not a 5 star this time is because the server was hard to find for refills and needs.
We finished work and headed here for a late dinner. Even with 30 minutes to closing, staff was friendly, food was good. I had meatballs, salad, soup--my usual favorites. I was happy we landed at Olive Garden.
Nothing new to tell you about the menu--it's the national menu. During the time of my visit, they had the "endless pasta bowl" promotion going on. Service was exceptional. I was seated quickly in a quieter area of the restaurant at my request. Drinks and meal order taken quickly and efficiently. Minutes later the salad and drinks arrived. Minutes after... More
The Chicken Alfredo was delicious, the salad and breadsticks are always a favorite. The server was extremely friendly; she kept the salad bowl and breadstick basket filled at all times. The place was packed as usual, the noise level was low and it was very easy to converse. We will define toy go back again, and again.
Courteous service and good food. Very spacious and large seating capacity. Not much different than usual Olive Garden.
We traveled over to Green Bay to take in a concert and planned on eating at Olive Garden. Their website has a new app called Join the Wait list and shows the approximate wait time to be seated. We thought this would be a great thing to monitor and if the wait became 30 minutes we would use it. We... More
It's homecoming and the restaurant had an hour wait. Because there was 2 of us we were able to get immediate seating. Service was great and Tiny was professional and friendly. We had the Tenderloin Tips and Portobello Ravioli and Pepperoni Alfredo Fettuccine and they were both excellent. After spending the day shopping, this was a nice way to end... More
From the moment we entered, I felt like this is a happy place. The receptionists, servers, all are friendly and smiling. It must be a good place to work, because you couldn't fake that. The manager comes around to inquire if everything is satisfactory. We are not real fond of pasta (I know, we must be crazy) so we enjoy... More
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© Copyright 2017 Kuatsimoto. All rights reserved.
Status: Finished
Genre: Poetry
Well written :) I am actually fluent in spanish and not even I could have put this better. Excellent :) It was simply beautiful.
Would you mind translating?? Somebody beat me, I'm half Spanish, and the only word I understood was "Gracias"....lol
I will translate!!!
Oh, and a beautiful piece for your mom, really sweet because it came from the heart. Now be good and stop giving her grief boy!!! HAhHAHAhAha!!!!
I have yet to try out spanish poetry... honestly i am afraid... hhahahahahahahaha, but i will eventually, so that my family can read it too :)
Poem / Poetry
Poem / Poetry
Poem / Poetry
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[super] how to popen a gpo [NvkT] download now
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Everything we know about how to start a startup, for free, from some of the world experts. How to Start a Startup is a series of video lectures, initially given at ...author: topic: how to start catfish farming business in plastic fish tanks and concrete tanks (read 71153 times)Author: Topic: How to Start Turkey Breeding and Egg Hatching Business In Nigeria (Read 32558 times)How to view open my Mobile MMS, in India, mobile service providers in India like Reliance, Airtel, Aircel, TATA, Docomo (CDMA, GSM), MTS etc. as well. How to view …How to install Seafile on Ubuntu 14.04 (Trusty Tahr) Author: Roland C. Ilao • Tags: linux, ubuntu, server, storage, cloud • Comments: 0 • Published: Mar 18 ...Theanesthesiaconsultant Blog The Anesthesia Consultant is designed to inform and entertain both laypeople and medical specialists.How To Wiki is a place to learn and share knowledge. How to guides, hacks and other useful information. Add your guide today!2/28/2006 This website is about one thing: Learning how to use off-camera flash with your DSLR to take your photos to the next level. Or the next ten levels.2/18/2015 By now, many of us, beset by bad weather and declining motivation, are struggling to maintain our New Year's exercise resolutions. But a timely new study ...For many businesses, open source VoIP programs and apps offer a great way to save thousands of dollars every year in telephony costs. Here are a few of the open ...
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text: China builds worlds longest cross-sea bridgeMatt Hardigree7/01/11 1:30pmFiled to: InfrastructureWorld's Longest BridgeLongest BridgeChinaLake PonchartrainQindao Bay BridgeQindao Jiaozhou Bay BridgeQindaoClipsVideo0EditPromoteShare to KinjaToggle Conversation toolsGo to permalink The opening this week of the 26-mile, $2.3 billion Qindao Jiaozhou Bay Bridge endows the title of world's longest cross-sea bridge to China. Louisiana disagrees, saying the Chinese bridge doesn't count because it's curved. Here we go again... Advertisement Previously, the Lake Pontchartrain Causeway was considered the longest cross-sea bridge with approximately 24 miles of length straight across the lake. Though the Jiazhou Bridge is also almost completely over the wet stuff, the extreme curvature of the bridge means the 26-mile span only covers a distance of 16 miles between Qingdao City and Huangdao. The General Manager of the Louisiana bridge, Carlton Dufrechou, calls the Chinese attempt propaganda, although Guinness is going with the curved span.Our bridge, he says "brings pride to the region." We're guessing pride because it's so big. Advertisement Despite the arguments over how to measure the beam or who truly has the longest joints, Dufrechou did admit the Chinese have erected a "beautiful" one.ReplyLeave a reply


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Looking for a Used Sprinter Cargo in your area?
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Here you will find the fruits of my creative labor + and some ramblings and ideas. I think about food. a lot. I like playing with my cameras. and when coffee shops call, I sit and write with no hopes of being a writer.
Also, sometimes, I tweet: me @cesjohnson


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Dave's Car Care has been around since 1980. What stuck us when evaluating Dave's for our Certified Shop Network was the level of experience, ASE Certification, and on going training that Dave has invested in for his staff. The 8 staff member combine for over 167 years of experience, 3 of these guys are ASE Certified and all of the staff has participated in on going professional training. They have the automotive tools and computer diagnostic equipment needed to professionally service and repair your late model vehicle. They offer 24 months/24,000 mile warranty for your peace of mind. When evaluating shops for our Certified Shop Network we look for the best shops who have demonstrated a commitment to providing the very best for their customers by hiring experienced, currently trained, ASE Certified staff, and equipping them with tools needed to follow through with the complex repairs that are sometimes required on today's computer controlled vehicles. We feel that Dave's has done just that and this is what makes them a good fit for our network.
Dave's Car Care
Glendale, AZ 85302 USA
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"They treat you like family. They call and check up with you the next day. They are probably the best mechanics that I've seen in 30 to 40 years. If he says he can do a repair for $200, and he can't do it for $200, he will charge you $200, but it will be fixed no matter what it costs him."
Auto Repair Experience
- Dave Denmon, Owner
- Established 1980
- 5 Auto Repair Mechanics on Staff
- 3 ASE Certified Auto Technicians
- 110 Years of Car Repair Experience
- AC/Heating
- Alignment
- Check Engine Light
- Collision Repair & Paint
- Diagnosis
- Hybrid/Electric
- Muffler & Exhaust
- Oil Change & Lube
- Scheduled Maintenance
- Service & Repair
- Smog/Emissions Testing
- Timing Belts
- Transmission Repair
- AAA Member Discount
- Early Bird Dropoff
- Financing
- Heated Waiting Room
- Loaner Car
- Open Saturday
- Service Guarantee
- Shuttle
- Wireless Internet
Makes We Serve
- Acura
- Audi
- Buick
- Cadillac
- Chevrolet
- Chrysler
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- Ford
- Geo
- Honda
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Overall Rating
They don't specify what the billing will be. They repaired the wrong thing. Their diagnostics were not done right.
They are honest and took care of my needs in a timely fashion. I would trust him again.
They treat you like family. They call and check up with you the next day. They are probably the best mechanics that I've seen in 30 to 40 years. If he says he can do a repair for $200, and he can't do it for $200, he will charge you $200, but it will be fixed no matter what it costs him.
The personal hand written card they sent me. The warranty they gave me. The only negative thing is the price.
Outstanding service. Good quality people. They follow up. Make sure you are satisfied with the service.
They were very honest and very reliable.
I've been going there for 10 years.
Expert, friendly, thorough work by people who really care about your business.
They are very nice people and are very pleasant. They are close to home. My neighbor recommended them to me because he liked them. I like them too.
All I can say is that if I have a problem, I'll be going back there. I wouldn't hesitate to go back.
- High quality repair
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Season 2 of the Overtime podcast is here! Listen to the first episode with Meg Robichaud now.
We believe posters can make the world a better place. Here's how:
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Drug & Alcohol
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text:
The Cake Shop tweeted that someone already picked up no. 4
is this real:
from http://www.matadorrecords.com/matabl...nt-playing-atp
(EDIITOR'S NOTE : the 24 hour rock news cycle isn't kind to stories of great seriousness, but we're hopeful the following will serve as a teaching moment of sorts for our younger readers, or the illiterate older people they hang out with. The memo below came to us via Chavez earlier today – GC)
Chavez regrets to announce cancellation of their appearance at September 23′s "I'll Be Your Mirror" / All Tomorrow's Parties in New York curated by Greg Dulli.
Suffering from what has been called "near lethal exhaustion" due to the band's heavy touring schedule, guitarist Clay Tarver has checked himself into The Serenities Treatment Center outside of Mesa, Arizona.
The band's management said only he will be receiving attention for issues he has battled for some time, and released a short statement from the famed guitarist: "I hope to catch my breath, face some demons, and come out kicking more ass than ever. You're the best."
Chavez asks "the number one fans in the world" to please respect Tarver's privacy at this delicate time.
Damn. if it's on the Matador site, it is true.
That really sucks. Clay is a super nice guy, and has young kids. i hope everything is okay. Chavez were so great last year and at Primavera this year.
8/7/16 - Sufjan Stevens @ Hollywood Bowl // 8/8/16 - Radiohead @ Shrine // 8/8/16 - Boris @ Regent
9/14/16 - Wilco @ Theatre at Ace Hotel // 9/18/16 - Kraftwerk @ Hollywood Bowl
Aw man, I was looking forward to seeing them in a venue with good sound. I hope Clay is OK.. I wonder if we'll get a replacement
Clay is genuinely a nice dude. He consistently remembered me when Bullet LaVolta came through Pittsburgh about 50 times when I was in college and I had conversations with him several times. When he and Kenny Chambers were in the band, they were fucking awesome live, too, huge sounding dual guitar metallic punk, which was kinda unusual at the time.
can't find information about it anywhere. we've been duped!
chavez officially out, jeff the brotherhood in.
also theres a boat:
The boat thing sounds potentially cool.
I don't care for scotch, but fuck it why not?
stinkbutt: The reason last time for 'why not' was a (small) fee and overlapping of a set(I think it was Mudhoney and some of Iggy).
Oh yeah it was Mudhoney. I remember because my friend really wanted to attend, but was more interested in Mudhoney (who were great)
trying to think of a band I'd be willing to sacrifice for the scotch tasting.
i love scotch
The boat and Jeff the Brotherhood give me a slight tinge of regret, but with the destination wedding the following weekend I have to attend and my least favorite lineup ( no Shellac still would bum me out) since I've been interested in ATP, I'm still happy with my decision to do Fun Fun Fun Fest. I'm hoping ATP sells out, everyone raves about it, sound is good, vibe is awesome and next year I'm in again.
Frank killed it on SNL
I hope he plays the full version of Pyramids
yea I think he will. just played half cos of the time constraints for his SNL spot is my guess
Well the video version is short too
flying out tomorrow
supremely pumped for this
I'm sure it'll still be a really enjoyable event, despite the changes.
Have a good one, everyone.
i hope we get set times tomorrow... i need something to get my logistics planning in gear


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Instead, the blood and guts can be found in the eyes of the six members of the-band-you've-never-heard-of NC-17, a sort-of harmonized post-grunge combo with a violinist and a gravelly-voiced lead singer. Having moved from rural Michigan to Los Angeles based on the promise of a record deal, brothers Frank and Vince Rogala and Robin Canada (then known as Exude) thought everything was going their way. Said record deal evaporated, though, and the band found itself more unknown than ever. Ten years later, they're still at it, now with five members (including the violin), a new name, and nothing to show for a decade of work.
Continue reading: Won't Anybody Listen Review
'Wilson', starring both Dern and Harrelson, is released in U.S. cinemas on March 24th.
At just 13, Robert Irwin is continuing his father's legacy and he's just as enthusiastic about animals as his dad.
Madonna adopted twins Esther and Stella from Malawi earlier this month.
Dov Kelemer's look into an aspiring rock band in the L.A. music scene is as...


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A new law intended to strengthen the National Flood Insurance Program (NFIP) makes several changes to the way flood insurance premiums are calculated. These changes may increase your monthly mortgage payment. Contact your lender to find out if these changes will affect you.
Here are the most important things you need to know: (more…)


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Yvonne Carts-Powell
Tiny spherical drops in liquid self-organize into lasing cavities that demonstrate low threshold, emit in all directions, and can be designed with wavelengths from ultraviolet to infrared.
Become a member or log in to view the full text of this article.
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Publish Date: 01 March 2011


text:
Lessons from the Private Finance Initiative in the United Kingdom
This paper examines the UK experience of PPP/PFI from a value for money perspective. It argues that a rounded view of overall performance has to consider the procurement process, the construction of the asset procured, and the operational performance that follows. Important changes have been made in the UK to the appraisal stage of the procurement process, raising the likelihood of PFI being chosen when it is most likely to deliver value for money. While PFI has evidently performed well in the construction phase, the UK experience suggests a number of prerequisites for achieving value for money in the operational phase. Good contract management is needed to ensure that the risk transfer paid for actually sticks. Provisions to manage changes to contracts in a way that preserves value for money are important. An ability to benchmark the cost and quality of services provided over the long term is also likely to enhance the value for money achieved.
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Moshe Feiglin, head of the Manhigut Yehudit (Jewish Leadership) division of the Likud party, filed an additional appeal, Tuesday, against the results of last week's primary election for party chairman.
Feiglin said the party first posted the official results on its Internet site but his campaign did not receive the results, adding there was serious fraud.
Tags:Moshe Feiglin, fraud, Likud Primaries


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MCSO Increases Amount of Assets Seized from Criminal Suspects
Published April 29th, 2014
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Being charged with a felony is bad enough, but now the Marion County Sheriff's Office is cracking down on repeat offenders by seizing the property they use to commit a crime.
Sheriff Chris Blair has drastically increased the amount of forfeitures seized under his command.
Previous sheriffs only had approximately 38 forfeiture cases a year.
In the first three months of this year alone, 33 seizure cases are waiting for approval.
Some residents like the idea of the seizures but hope it's being done properly.
"If it's done properly and it's done legally, it's a fine way for the Sheriff's office to supplement," said Marion County resident Jim Dove.
Sheriff Blair adds that forfeiture funds can only be used for certain things.
Florida law states funds can be used for "specialized equipment" but 15% of those funds must go back to charitable organizations.
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