Whether you’ve got a beginning scholar entering kindergarten or are kissing your college bound son or daughter goodbye (we know it can be tough) the issue of vaccinations cannot be avoided.
Many parents and an increasing number of MDs and health officials refuse vaccination for their children because these shots are dangerous and are linked to autism, allergies, ADD/ADHD, dyslexia, tics, processing disorders, personality disorders, asthma, vision problems, diabetes and many, many more neurological and immunological conditions.
Parents who have both vaccinated and non-vaccinated children all report that their non-vaccinated children are far healthier than their vaccinated children.
Please get yourself informed about what we believe is one of the most serious healthcare decisions you’ll ever be asked to make.
Vaccinations are not required for school in most states. School officials may sayotherwise but they often are ignorant of the law. For more information go to www.vaclib.org or to www.thinktwice.com and you’ll see the legal requirements.
Another reason not to vaccinate (especially girl babies)
Naturally immune mothers have considerably more antibodies than those who had been vaccinated. The same applied to their babies – babies of vaccinated mothers had significantly lower antibody levels than infants of naturally immune women. (
You can legally avoid vaccinations
Some parents who are concerned about the dangers feel they have no choice, “Don’t they have to have shots to get into school?” they ask.
Happily, the answer is: All states (except West Virginia and Mississippi) honor medical and religious/philosophical exemptions to vaccines. Most educators, school nurses and health professionals are unaware that you have a choice.
What religions qualify for a religious exemption? It doesn’t matter. The government cannot ask you your religious beliefs because that puts them in the position of deciding if your religion is “good enough.”
At the very least, if parents would wait until their child is going to public school before vaccinating, hundreds of thousands would be saved from autism, dyslexia, immunological problems, ear infections, brain injuries and other vaccine injuries.
If a religious or private school or camp refuses to honor exemptions we recommend a lawyer who specializes in these matters such as Alan Philips, J.D., www.vaccinerights.com .
For state laws about vaccine exemption, visit www.thinktwice.com or www.vaclb.org
All posts by Admin
Info on Bill Hoidas
I wanted to post some info on myself and my company so you can feel comfortable dealing with us.. We have approximately 200 ticketbrokers as clients- far more than any other processor. We also have a 2.80% group rate for you with Amex. We have a lot of brokers that use Ticket Evolution, Ticket Technology, Ticket Network and Tickets Now so can easily send them the hierarchy info if necessary for their POS/gateways. Around 2002 we were introduced to Gold Coast Tickets and learned that the credit card industry was treating ticketbrokers like second class citizens holding reserves, charging higher than normal rates and imposing various strict restrictions. We were the pioneer in getting ticketbrokers the same terms and conditions as any other good merchant. We are also a supporter of the NATB including financial support to their causes and have been to all of their trade shows.
Below please find some info on myself and my company. As I mentioned on the phone because of my long hours and the fact that almost 100% of my accounts come from client referrals I am very proud of the service I give my clients. This is because I am involved in an industry which unfortunately often still resembles used car sales as far as reputation and rightly so. However that eventually works to our favor as we demonstrate to our merchants and prospects that we are a beacon of honesty, great customer service and true fair pricing in an otherwise tarnished industry which I’m sure that you have gotten a taste of firsthand.
The reasons date back to the original days of cc processing when no or very little residuals were paid on a merchant account to the ISO and rep after it was opened. So the only way a rep could make money was to get a new account bonus and sell or even worse do a lease/purchase equipment at vastly inflated prices. Even though the opportunity now exists to make a marvelous six figure annual residual stream most ISO’s, acquirers and banks have not outgrown that mindset as their typical “training” is a day of hard sell, hard close instruction and then they release the new rep with instructions to haunt restaurants and shopping malls. Consequently the average rep quits in six months or less.
Because of my long hours and the fact that almost 100% of my accounts come from client referrals I am very proud of the service I give my clients. This is because I am involved in an industry were unfortunately almost 100% of my competitors quote rates that if true would be under water so consequently they quote you a teaser rate and than proceed to downgrade all of your rewards, business and corporate cards to a higher rate. In addition they charge hidden fees, annual fees, etc. I’m in the industry and sometimes it takes me awhile to properly interpret a statement. Also there are currently about 200 different types of cards which all carry their own rates so we have to make sure that although we give our merchants the best rate possible we also have to make sure we won’t lose money on an account. And of course with us you have 24/7 Level 2 support without having to hit multiple prompts and get put on permahold just to talk to an inexperienced “customer service” rep. The average firm in our industry loses 35% of their merchants per year. Matrix loses less than 1/10 of one percent so there must be a reason for that.
Recently talking with two of our acquirers we asked how many of their ISO’s concentrate on not having their merchants suffer transactions that downgrade to a higher rate. One that has over 1,000 ISO’s said just one-us. The other one has 298 ISO’s and they said two.
Also feel free to go to my links below
Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
847-381-3482 office
847-381-4289 fax
http://paymentconsulting.net/
Green Sheet Article
An Open Letter to Credit Card Holder’s that do Chargebacks through their Issuing Banks/American Express & Discover. Also to the issuing banks that allow it.
Ticketbrokers are often their target.
Filing chargebacks is not a license to steal!
I despise people that knowingly commit “Friendly Fraud” That is they file a chargeback knowing they received tickets or other merchandise as promised and are just trying to weasel out of paying. To those that do are you aware that the victimized merchant can file felony theft charges against you and you could see real jail time?
Many cardholders think if they file a chargeback claim the card issuer reimburses them. Not so-it’s the merchant that sold you the merchandise in good faith. Whether or not a chargeback is filed often depends on the issuing bank. My bank BMO Harris for example is very strict & does not allow frivolous chargebacks. I have filed one chargeback in the 9 years I’ve been with them and I was very justified in doing so, but they made me jump through hoops to prove that I was right and that I had first tried to settle with the merchant. Unfortunately many banks are not like this. They have low level staff answering chargeback requests that have no business expertise or knowledge of the marketplace. You can almost hear Sam or Sally Newperson saying “You want to file a chargeback? Oh goodie that sounds like fun-let’s do one!”
So now we have a bank who’s cardholder went on a legitimate website as an example, picked out exactly what they wanted, clicked on acceptance of all terms & conditions, paid with their credit card and received exactly what they wanted and then want to do a chargeback because of some misunderstanding, petty complaint or worse yet so they can wind up getting the merchant’s product for free. In most cases they have never even attempted to call and discuss their alleged grievance with the merchant.
Cardholders have to realize that just because they paid for example $600 for an item that isn’t the profit for the merchant. To use Ticketbrokers as an example again they may have paid almost or even over $600 for that ticket and are often operating on a razor this profit or at times a loss.
Cardholders please stop stealing from merchants! Courts please order that MC/Visa/Amex/Discover have to mandate fair handling of chargeback complaints by all card issuers! Merchants start pressing felony charges against offending cardholders and put them in jail with the rest of the thieves!
Glad to report that I was again quoted quite a bit in our leading industry magazine The Green Sheet (third paragraph)
Annual Grace Conference is almost here!
This July 25th & 26th we are having our annual Grace Conference. We have world famous speakers and pastors from all over the world. It is an incredible value. At a price of only $75 you get a 2 1/2 day conference including all materials, concert, kids & teen camps, etc and gourmet meals provided by one of our church members who was the head chef for the Hilton Hotel Midwestern region and also the instructor for the current White House chef!. If you want to bring the whole family we provide excellent activities and/or day care for your children by our award winning daycare & school staff. Your spouse can attend all events with you and we also offer special programs for the spouses should they choose. If your budget is limited we can provide you with housing and I can offer you a scholarship so you won’t have to pay any fee at all. There is a fantastic program for teens that your kids will absolutely enjoy! http://www.graceconference.com/teen-conference
More info is at http://www.graceconference.com/
Please let me know if you or anyone you know would like to attend.
Bill
A few reasons why you don’t want to miss the Grace Conference
Phenomenal Workshops
Gain a wealth of knowledge from renowned speakers. There are dozens of workshops to choose from, as well as the main sessions!
Unmatchable Fellowship
Not only do you get to meet the well-known preachers, but you will get to fellowship with like-minded people and pastors from around the world. Come and get encouraged!
Exceptional Music
Don’t miss hearing from Gospel Music’s most awarded trio, Greater Vision! The concert is free when you register. Also hear from Sounds of Grace and other talented musicians!
Incomparable Banquet
Appreciate the unique experience of food cooked by Chicago’s top chef, Dean Jaramillo and our staff, as well as delicious food by our kitchen throughout the conference.
Grace is the heartbeat of our lives, the very purpose of our ministries. The 9th Annual Grace Conference will be a conference unlike any other. Hosted by the Quentin Road Bible Baptist Church in the Chicagoland area, we do our best to ensure that you have two days of spiritual refreshment, learning and interacting with some of America’s most respected Bible teachers. It is our desire to help refresh your soul and renew your vision for ministry.
Practical workshops and powerful main sessions are led by men such as Dr. Carl Baugh; Dr. Robert Lightner; my son, Pastor Jim Scudder, Jr.; and Dr. Phil Stringer.
You’ll also be treated to gourmet meals, capped off by a Friday night banquet, hosted by Chef Dean Jaramillo, one of Chicagoland’s most renowned chefs.
Your children will also be taken care of. We have exciting programs for children of all ages. We can also take care of your travel needs through our special in-house travel agency.
Most of all, our desire is for you to enjoy yourself and come away with a fresh, new perspective on sharing the clear gospel of Grace to those God has called you to serve.
I hope to see you at this year’s conference. For registration information, simply reply to this email.
God bless you,
Dr. James A. Scudder
To Register:
Web: graceconference.com
Phone: 847-438-4494 Ext. 1040
SUPER IMPORTANT! If you take photos with your phone
SUPER IMPORTANT! If you take photos with your phone. This is a real video from NBC Action News including an interview with an Internet Crime Policeman. You and your children can be tracked right down to your exact address! There is a quick fix for future pics. Just do as the end of the video says and got to settings/general/location services/camera/off http://www.youtube.com/embed/N2vARzvWxwY?rel=0
I was quoted quite a bit in our leading Industry Magazine
Its also a great informational article for merchants that accept credit cards. http://www.greensheet.com/emagazine.php?story_id=3544
NATB Florida Regional Meeting
NATB Headquarters Organizer
2 hours ago ·
In Florida, around 50 ticket brokers filled the session room at the Ft. Lauderdale Crown Plaza Hotel on April 15th. The meeting was hosted by the NATB along with Jimmy and Lena Siegendorf of Premium Seats USA and Rick Schefter of A Great Place to Sit. Special guests included representatives of the NATB; Jason Berger (President), myself and NATB PR Consultant Viveca Woods. Jason discussed the far reaching NATB objectives and provided insight on the history of the legislative battle in NY. I talked about the state of the industry and the ways brokers were being impacted by various industry developments. Viveca provided her expert perspectives on how publicity initiatives are being tackled to address and elevate the interests of ticket brokers nationwide. For educational purposes, the meeting included presentations by Ticketmaster Resale (“TicketsNow”) and Cloakify.
A prime focus of the meeting was a discussion on legislative issues affecting ticket brokers in Florida as well as the rest of the country. Nick Larossi, the lobbyist hired by the Florida brokers, gave a detailed account of the vicious legislative battle being played out between all facets of the industry including Ticketmaster, StubHub and Disney. Nick explained how the efforts of the ticket broker community served to protect free market principles in Florida.
Every attendee I spoke with said the meeting was extremely valuable and the content was compelling. The vast majority of attendees agreed to participate by speaking with legislators from a local business perspective, financially contributing or helping in other ways. Numerous brokers eagerly volunteered their time and financial support to address pressing Florida legislative issues. And many vowed to continue these efforts and to attend the upcoming NATB World Ticket Conference on July 18-20, 2013 in Las Vegas. Afterwards, there was a cocktail reception where brokers networked.
In Texas, I, along with Jim Barr and the lobbyists hired by the Texas Ticket Brokers Association, met with a number of legislators and staff. It still amazes me how uneducated legislators are about the secondary market and how much they appreciate learning about what legitimate brokers do. I was quite impressed with the coordination on the local level in Texas and how many brokers have contributed both their time and money to make sure ticket brokers’ interests are protected and ticket brokers’ voices are heard. The Regional Meeting also served as a valuable tool for the NATB’s expert strategic planning consultant, Morrie Warshawski, to meet with brokers and to learn more about the industry.
A compelling positive aspect of the Regional Meetings was that they represented yet one more proactive step taken by the leadership of the NATB to assist its members and to improve communications with the broker community. As you may recall, the NATB Board has created a list of action items to assist in improving the NATB and to create a long term plan for the NATB. One key action item was to hire a planning expert which the NATB did when it retained Morrie. Another was to conduct regional meetings which have now been accomplished. A third was to improve the public recognition of the NATB and its Members. That is also being accomplished. Hopefully you saw that the Better Business Bureau (“BBB”) has issued a press release recommending to consumers that they make sure that when buying tickets in the secondary market to deal with an NATB Member. The BBB joins a growing list of groups who have made that recommendation.
If you feel that a meeting would be beneficial in your region please reach out to me. I expect that we will continue to see legislation that will require ticket brokers to unite in the future.
Gary Adler
Roetzel & Andress
600 14th Street, NW
Suite 400
Washington D.C. 20005
Main Phone No: (202) 625-0600
Direct Phone No: (202) 216-8307
Fax No.: (202) 338-6340
Email: gadler@ralaw.com
We are the credit card processors for both AED and the AED Foundation.
I’d like to save you some money on your credit card processing also.
My company info can also be found at The AED Marketplace here
I wanted to send you some info on myself and my company so you can feel comfortable dealing with us. If it looks good to you email or fax (847 381 4289) me a recent MC/Visa statement. We have a lot of merchants that use POS Systems, gateways and cc terminals so I can easily load the hierarchy info for their POS/gateways. Below please find some info on myself and my company. As I had mentioned because of my long hours and the fact that almost 100% of my accounts come from client referrals I am very proud of the service I give my clients. This is because I am involved in an industry which unfortunately often still resembles used car sales as far as reputation and rightly so. However that eventually works to our favor as we demonstrate to our merchants and prospects that we are a beacon of honesty, great customer service and true fair pricing in an otherwise tarnished industry which I’m sure that you have gotten a taste of firsthand.
The reasons date back to the original days of cc processing when no or very little residuals were paid on a merchant account to the ISO and rep after it was opened. So the only way a rep could make money was to get a new account bonus and sell or even worse do a lease/purchase equipment at vastly inflated prices. Even though the opportunity now exists to make a marvelous annual residual stream most ISO’s, acquirers and banks have not outgrown that mindset as their typical “training” is a day of hard sell, hard close instruction and then they release the new rep with instructions to haunt restaurants and shopping malls. Consequently the average rep quits in six months or less.
Also I am involved in an industry were unfortunately almost 100% of my competitors quote rates that if true would be under water so consequently they quote you a teaser rate and than proceed to downgrade all of your rewards, business and corporate cards to a higher rate. In addition they charge hidden fees, annual fees, etc. I’m in the industry and sometimes it takes me awhile to properly interpret a statement. Also there are currently about 200 different types of cards which all carry their own rates so we have to make sure that although we give our merchants the best rate possible we also have to make sure we won’t lose money on an account. That’s why I need you to email or fax (847-381-4289) me a recent MC/Visa statement. And of course with us you have 24/7 Level 2 support without having to hit multiple prompts and get put on permahold just to talk to an inexperienced “customer service” rep. The average firm in our industry loses 35% of their merchants per year. Matrix loses less than 1/10 of one percent so there must be a reason for that.
Recently talking with two of our acquirers we asked how many of their ISO’s concentrate on not having their merchants suffer transactions that downgrade to a higher rate. One that has over 1,000 ISO’s said just one-us. The other one has 298 ISO’s and they said two.
Sincerely,
Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
847-381-3482 office
847-381-4289 fax
Square called unlicensed
Meanwhile, Illinois issued Square the cease and desist order after the IDFPR’s finding that Square is in violation of the state’s Transmitters of Money Act. The act requires any business “selling or issuing payment instruments, transmitting money, or exchanging, for compensation, payment instruments” to be licensed by the IDFPR.
The department ordered Square to stop doing business in the state and produce documents on all Illinois customer account activity, money transmissions and “independent reviews of Square’s Anti-Money Laundering program.”
The order called for Square to file those documents with the IDFPR by Feb. 19, 2013. IDFPR spokeswoman Susan Hofer told The Green Sheet that she could not say if Square had met the deadline. A Square representative stated, “We’ve been in close contact with the Illinois Division of Financial Institutions for several months and are addressing their concerns.”