Wednesday, 28 December 2016

What type of PayPal accounts is better.

How to choose the type of PayPal ?

There are 3 types of accounts:   Personal  ,  Premier   ,   Business.

All PayPal accounts allow you to send and receive payments.

Here are the detail of function of each type of account.

Personal: Recommended for individuals who shop and pay online, or wish to send or receive personal payments for shared expenses such as splitting of dinner bills or rental charges.

Premier: Recommended for casual sellers or non-businesses who wish to get paid online, and who also make online purchases.


Business: Recommended for merchants who operate under a company/group name. It offers additional features such as allowing up to 200 employees limited access to your account and customer service email alias for customer issues to be routed for faster follow-ups.

You would need either a Premier or Business Account if you want to accept credit card transactions online or in person.  Your customers do not have to have a PayPal Account, they can check out as a guest.  (Personal accounts are really intended for shopping online or sending/receiving money to friends or family.)

Note there's no charge to have any of the 3 types of accounts, just transaction processing fees.

Assuming your business is setup, registered, etc., then go with a Business Account.  The advantage is that Business Accounts allow you to display your Business Name or Business Logo Graphic on the PayPal Checkout Screens.  Business Accounts also have a feature called Multi-User Access.  This is helpful if you have an assistant or other employees who help with the business.

If you used a Premier Account, you can not display a Business Name or Business Logo Graphic.  Your customers would only see your email address on the PayPal Checkout Screens.

You do have the option to keep your Personal Account and also open either a Business Account or a Premier Account as PayPal does allow users to have 2 Accounts.   Actually you can have more than one Business Account assuming you have your businesses registered, they each have their own emails, bank accounts and credit cards.

SignUp for Paypal . Click Here


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Thursday, 22 December 2016

PayPal FAQs about PayPal.Me

About PayPal - PayPal.Me - Frequently Asked Questions

About PayPal.Me

What is PayPal.Me?
PayPal.Me is a faster, easier way to get paid through PayPal. Just share your very own PayPal.Me link ( with your friends and family, and they can send you money for lunch, chip in for a group gift, or any other reason they need to pay you back. 

Have your own business? Set up a PayPal.Me/YourBusiness and get paid quickly for the goods or services you sell. Your customers will love the ease and the PayPal Purchase Protection for their eligible items.

Your friends and customers don't have to know your email address or mobile phone number, or even have the PayPal app. They just tap on your link, go to your PayPal.Me, type in the amount, and send the money.

How do I create my own PayPal.Me link?
Just visit PayPal.Me to grab your link. If you already have a PayPal account, you're all set. If you don't, signup is fast and free.

Is it free to set up?
It sure is! PayPal doesn't charge a fee to open a PayPal account or set up a PayPal.Me link.

What kind of PayPal account do I need?
PayPal.Me is open to both personal and business use:
 * People with Personal or Premier accounts can get paid back from friends (Friends & Family) or sell their stuff (Goods & Services).
 * People with Business accounts can only accept Goods & Services payments.

Is PayPal.Me available in my country?
PayPal are adding new regions oftenly. Check back often to see if it's available in your country.

Can I use PayPal.Me on my mobile device?
Sure! Your PayPal.Me link is available on mobile (iPhone and Android), desktop, and tablet.

Do I need a PayPal account to grab my PayPal.Me link?
Yes, you'll need a PayPal account to claim your PayPal.Me link. If you don't have a PayPal account yet, you can sign up for one while you're creating your PayPal.Me link.

Do I need a bank account, debit card, or credit card to set up my link?
No. You only need a PayPal Personal account. But you'll need to link your bank or card to send money. Or a bank account to withdraw the money you receive.

Setting up your PayPal.Me link

Where and how can I access the site to create my own PayPal.Me URL?
Just visit PayPal.Me to select your PayPal.Me Link and create your account. If you're not a PayPal user you'll be required to create one when signing-in – it's super easy!

The PayPal.Me link I want is taken. What can I do?
PayPal.Me links can't be reserved and are available on a first-come, first-served basis. If your preferred link is taken, try some alternatives or pick one of our suggestions.

How many links can I have for PayPal.Me?
You may have only one active PayPal.Me link per PayPal account.

Once you create your PayPal.Me link, you won't be able to edit it. So choose carefully!

Are there any restrictions on what I can name my link?
Yes. Here are the guidelines for selecting a PayPal.Me link:
 * It can only contain alphanumeric characters (letters A-Z, numbers 0-9) and can't contain symbols, dashes, or spaces.
 * It's not case sensitive, but casing is recommended to improve its readability for your friends and family.
 * Profane, offensive, defamatory or reserved trademarks are forbidden even if the link is available. Your account may be suspended if you violate this one. Let's keep it clean.
 * Link names are limited to 20 characters max.

Friends & Family? Goods & Services? Which should I choose?
If you have a Personal or Premier PayPal account – and want to get paid back by friends or chip in for a group gift for dad – then Friends & Family is right for you.

If you want to get paid for stuff you sell or services you provide, then opt for Goods & Services. You'll pay the standard PayPal fee and be able to offer your customers PayPal Purchase Protection for eligible items. Please note: if you have your link set to Friends & Family and sell something, your customers can choose Goods & Services when they're checking out. That way, they'll get PayPal Purchase Protection on their eligible purchases. And you'll pay the standard PayPal fee.

If you have a Business account, Goods & Services all the way. You'll be able to offer customers PayPal Purchase Protection on eligible items, and pay the standard PayPal fees.

How long can I keep my PayPal.Me link?
Once you create your link, it's yours to keep and it will never expire. You can choose to turn it off and on as often as you like.


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About PayPal Payment Methods

PayPal allows you to make payments using a variety of methods including: PayPal Balance, PayPal Credit, bank account, credit card, PayPal Cards, and debit card. Because your protection against undelivered or defective goods will vary with each method, you should review this page to understand how you can select a payment method and how protection differs depending on your payment method.

About  Paypal

This page does not address unauthorized transactions. For information on your protection against unauthorized transactions, please see section 12 of the PayPal User Agreement.
Default Payment Methods ***

When you make a payment, if you have not selected a Preferred Payment Method, PayPal will fund your transaction in this order:

    PayPal Balance
    Instant transfer from your bank account (if eligible)
    PayPal Credit
    PayPal Cards (PayPal Extras Card or PayPal Smart Connect)
    Debit card
    Credit card
    eCheck (a delayed transfer from your bank account - may result in significantly slower shipping by seller)

*** Note: If you do not want to use your Balance, you can withdraw it before making a payment.

Preferred Payment Method

You may select a Preferred Payment Method each time you make a payment, except when making a Preapproved Payment, a No Log-In Payment, or an In-Store Checkout payment. Certain Payment Methods may not be available for certain transactions if there are Payment Method limitations, including if you make a PayPal payment through certain third party websites or applications, or if you use PayPal for In-Store Checkout. For a Preapproved Payment or, in most instances, a No Log-In Payment, you can select a Preferred Payment Method when you provide your initial authorization for this payment and through the My Preapproved Payments section of your Account Profile (it may be called "Backup Payment Method"). For In-Store Checkout payments, you may change your Preferred Payment Method in your Account Profile prior to initiating your transaction.

If you select a Preferred Payment Method but have available Balance in your Account, your Balance will be used to fund your payment first. If you set PayPal Credit, a PayPal Cards product or eCheck as your Preferred Payment Method in your Account Profile, it will be used to fund your PayPal payments first, even if you have a Balance. eCheck is not an available Payment Method for In-Store Checkout.

For Business Payments, you are limited to funding your PayPal payment with either (or both) your Balance or by eCheck.

Changing the Payment Method

You may change the Payment Method at the time you make a payment by clicking the 'More Options'/'Change' link on the Confirm Your Payment/Review Your Information page and then selecting a payment method on the "More Funding Options" page. You may do this each time you make a payment if you do not have a Balance. If you have a Balance, you must use your entire Balance before you can change the payment method.

You cannot select a payment method for all future transactions, except that if you have been approved for PayPal Credit or a PayPal Cards product and one of those is an available Payment Method for the transaction, you may select PayPal Credit or a PayPal Cards product as your Preferred Payment Method. You may do so by logging in to your Account, selecting "Profile", selecting PayPal Credit or your PayPal Cards product, and then setting it as your preferred funding source.
Payment Method Rights and Remedies

PayPal Purchase Protection

PayPal Purchase Protection (also known as PayPal Buyer Protection) applies for certain, qualifying purchases regardless of the payment method. For these qualifying purchases, PayPal will cover you for the full amount of the item plus original shipping costs if you do not receive the item or if you receive an item but it is significantly different than the description the seller provided. To receive reimbursement for items that are significantly not as described, you will be required to return the item to the seller, or in some cases to PayPal, and to pay the return shipping costs. PayPal Purchase Protection is not available for personal payments and other ineligible purchases.

To be eligible for PayPal Purchase Protection, you must file a Dispute in the PayPal Resolution Center within 180 days of the date you sent the payment, escalate the Dispute to a Claim within 20 days of the date you filed the Dispute, and meet the eligibility criteria as listed in the PayPal User Agreement.

PayPal Credit Protection

PayPal Credit offers protection against unauthorized transactions and billing errors, including items not received and items received that are significantly not as described. When you submit a PayPal Purchase Protection dispute on a transaction funded by PayPal Credit, the transaction will be placed in dispute on your PayPal Credit Account. This means you will not be responsible to repay the disputed transaction amount while the dispute is investigated and interest and fees will not be assessed while Paypal review your dispute. This step will occur automatically when you use the dispute process in the PayPal Resolution Center.

If your dispute involves a transaction that is not identified in the Resolution Center or your dispute involves a billing error that is not related to a specific transaction, you can call PayPal Credit at 1-866-528-3733 to submit your dispute.

If you wish, you may also choose to submit any billing error dispute in writing to

        PayPal Credit Dispute,
        PO Box 5018,
        Timonium, MD 21094

Credit Card Protection

You may pursue a Dispute/Claim with PayPal, or you may contact your credit card company and file a chargeback. You may not pursue both at the same time or seek a double recovery. If you have an open Dispute or Claim with PayPal, and also file a chargeback with your credit card company, PayPal will close your Dispute or Claim, and you will have to rely solely on your chargeback rights.

If you pursue a Claim with PayPal and if you do not receive a full recovery, you can then file a chargeback.

Credit card companies must abide by these statutory guidelines, including but not limited to the following:

    If a consumer claims a "billing error" because an item is not received or is refused at the time of delivery, the card issuer is obliged to investigate, resolve, and to correct written claims filed by the consumer within 60 days of receipt of the applicable credit card statement.
    If a consumer claims a dispute with a merchant, the card issuer is obliged to investigate and resolve consumer claims, provided the consumer: (i) has not paid for the charge (ii) has made a good faith attempt to settle the dispute with the merchant (iii) lives in the same state as or within 100 miles of the merchant and (iv) paid more than $50 for the item.

You should contact your credit card issuer to learn more about your rights and remedies.

Debit Card Protection

Your debit card issuer is not required by law to provide you with protection against items that you do not receive or that are significantly not as described. Many debit card issuers voluntarily provide protection similar to the chargeback rights provided by credit card issuers.

PayPal may process debit card transactions through either (a) an ATM debit network such as STAR or NYCE, or (b) a Visa or MasterCard network. If Paypal process your debit card through an ATM debit network, Paypal may provide you with the opportunity to switch to a Visa or MasterCard network by clicking the "Funding Sources" link on the payment confirmation page. Choosing the Visa / MasterCard network may give you additional protection compared to the ATM debit networks. You should contact your debit card issuer to learn more about your rights and remedies if you pay with your debit card.

Bank Account Protection

Your bank is not required by law to provide you with protection against items that you pay for with a bank transfer but that you do not receive or that are significantly not as described. You should contact your bank to determine if they voluntarily provide any purchase protection.


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Top 10 Healthy Alternative Discipline Methods to Spanking

Top 10 Healthy Alternative Discipline Methods to Spanking 

child spanking photo: SparingRod sparingrod.jpg

1. Spanking teaches children two dangerous lessons: that hitting people is okay and that violence works.

2. Spanking destroys self-esteem, damages children's ability to learn and sets the stage for future emotional problems.

3. Children learn good behavior by imitating good behavior and respect by being respected. 

Here are some alternative discipline methods that you can try that will not harm your children. The effectiveness of these will vary from one child to the next, and even based on age, but they should all be tried to figure out what works best for your child.


This is one of the simplest, and quite likely the best first response to try. If your child is throwing hard toys, for example, take the hard toys away and in their place, give the child a toy that is meant to be thrown, or at least one that is soft and won’t hurt anything, like a ball or a stuffed animal. If they are expressing anger, for example hitting or kicking, place them in a safe area and teach them an alternate means of expressing their anger. You might give them an object that it is okay for them to hit and let them get it out of their system. This will help teach them self control. All humans have violent tendencies, but most adults have learned to manage those feelings. Children, on the other hand, are uninhibited and thus lack the control to avoid these feelings sometimes, so an alternative method of expression should be offered. Regardless of the situation, redirection can be a powerful tool for parents to teach their children what is and is not acceptable.

Removal of Toys

For some children, having a favorite toy or a number of toys taken away is a great motivator. When children value things, it increases the meaning when those things are removed. For example, I used to tell my son that if he left any toys out of his closet when I told him to put them away and I found them out on the floor, I would take them away. Now when I tell him it’s time to put his toys away, he almost always gets every last one of them picked up and into the closet. The possibility of losing them, in this case, has proven to be an effective deterrent to leaving them lying around.

Standing in the corner

Growing up, standing in the corner proved an effective discipline method for me, although not so much for my stepbrother. I hated standing in the corner, so if I got into trouble to where I had to do so, I would keep my nose in the corner as was expected of me. However, my stepbrother kept taking his nose away from the corner. This caused me to get out of the corner on time, but my stepbrother to end up adding time to how long he would stay there. I would get to go off and play while he was still stuck there. Kids don’t like to be bored so this can be effective.


When I was a kid, grounding didn’t prove as effective as it does for some children. However, I believe that if done right, it would have. My mother had a tendency to ground me for a week, then let me off after three days if I behaved the entire time. This is okay to do once in a while, but not every time because the child grows to expect it and it’s easy enough to be good long enough to get off grounding. If a child is to receive a punishment, they should be expected to endure that punishment for as long as is deemed necessary. I see it as teaching them the same way our criminal justice system works. If a criminal is only on their first offense, and it is relatively minor, they may get out on good behavior. However, if it is more severe or a second offense or more, the person is less likely to be released early. I am a strong proponent of teaching a child much the same way that the adult world works.
In addition, if a child is to be grounded, they should not be confined to a room with a television and video games and all sorts of other fun things. That is not a punishment at all, and entirely defeats the purpose. Parents should ground their children from things that they know are of high value to them in order to get the desired effect.

Early bedtime

If I even warn my son he is going to go to bed early, he gets fussy. If he continues and actually earns an early bedtime, he really gets upset. However, I always talk with him and make sure he knows what he did in order to cause himself to go to bed early. He usually understands with little or no explanation from me, but I do tend to reinforce it to him. I think it is highly important for a child to understand what they are being punished for, regardless of the circumstances.

Refusal to do fun activities

On a few occasions, I have used this technique with my son. I have refused to take him to the park to play when he gets fussy and moody. He doesn’t like it, but he has to understand that he will only do fun things in public when he is behaving himself. The more this is reinforced, the more the child will realize what they have done wrong and that they need to correct it.

extra chores

This is probably more effective for children that are a bit older and understand the concept, although I have used this with my own 4-year-old before. He used to get into his chest of drawers and pull out every article of clothing in it, unfold them and drag them everywhere. One day, I put everything from that chest of drawers into the washer and dryer and then told him to fold them all, every single one. He usually likes to help and doesn’t mind small loads, but he got distracted and frustrated with the large load, and I explained to him why he was having to fold them all. Ever since then, he has never taken the clothes from his chest of drawers without permission.

Paying for things

If your child damages or breaks something, don’t just let them get away with it, and don’t just eat the cost yourself. In serious enough cases, you may need to initially pay for the damage in order to settle disputes with third parties, but regardless of whether it is something of yours that is broken or damaged or something belonging to someone else, always have the child pay for the damage, one way or another. If they are old enough to work and make money, even if they aren’t legal working age but can make a few bucks mowing lawns or something, expect them to do that at least until the debt is paid. It doesn’t hurt for them to be responsible and continue doing these types of things even afterward though.

Visiting Your Local Jail

This one is only recommended for serious infractions, in which you can see the beginnings of your child heading down the wrong path, but for some children, seeing people who are actually suffering the consequences to similar actions to their own may be enough of a deterrent to redirect them. Sometimes, even witnessing consequences before being physically faced with them is enough of a wake up call to jolt a child back off that road. People, like animals, do not enjoy captivity as a general rule, and will do whatever is necessary to avoid it.

Enroll Your Child in Sports or Martial Arts

If your child’s problems center around excessive energy, unhealthy release of agressive tendencies, or a variety of other factors, sports or martial arts may be an effective way for them to release pent up energy and agression in a constructive manner that is not harmful to others. It may also teach teamwork and cooperation, important skills throughout one’s lifetime.
It is important to teach children appropriate versus inappropriate behavior from an early age, and to reinforce those lessons as much as possible. However, I believe that spanking is counterproductive to this goal, and can even increase aggression and decrease control. The above suggestions are just a few ideas to teach children acceptable behavior without harming them or causing them further issues.
What other discipline methods have you tried using with your child? How effective were they? What other methods have you used or seen used that seem ineffective? Feel free to share.

Be well, beloveds, and be grateful.


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Tuesday, 6 December 2016

Life Lessons That Can Be Learned from Teenage Life

Life Lessons That Can Be Learned from Teenage Life

Teenagers… Messy, moody, dramatic, social media obsessed; being a teenager has its ups and downs. It’s so funny to think of your mom, dad, aunt, or uncle, as a teenager. They may be “put together” now, but the stories of their past may be less than expected. It’s hard for me to even picture my mom being a teen. When she tells me about her experiences, all I can think is wow… you were my age once. Teens may hang with the wrong crowd, get sucked into peer pressure, mess around with drugs, or go through a rebellious stage. We all have our teenage stories. Personally, I was a homebody, shy, never drank or smoked, never partied, and never fell into the wrong crowd, I was also pretty sad, but that’s another story. As I write this (October 5) I’m currently 19 years old. In 5 days I’ll be turning 20, so what better time to think and reflect teenage life than my last moments as a teenager.
We can all take life lessons from the teenage experience.

12 Life Lessons That Can Be Learned from Teenage Life

1. Parents Are Usually Right

Oh teenagers, we put our parents through hell. We went out with people we didn’t let them meet, we wore short skirts under our trench coats when we went to school, and we usually lied through our teeth about well, everything. I’m just assuming, as I said, I was a homebody. As we get older, the dumb things our parents said start to make sense. We begin to value their wisdom and respect their authority. We may even miss them telling us what to do.

2. Don’t Worry About the Future

Worrying doesn’t solve anything, it just gives you anxiety and a negative outlook on the future. We can’t control the future, we can only control our reaction to it and the actions we do until we get there. I can tell you from experience, the things you worry about the most are probably not going to matter in the future. Everything will be ok.

3. It Isn’t the End of The World

Why is everything such a big deal. Calm down! So the boy doesn’t like you, he’s probably an idiot. So you were embarrassed at school, everyone gets embarrassed! It’s a part of life. Sometimes you have to be just that blunt with yourself. Try to look at things in a calm and rational manner.

4. Learn from Your Mistakes

No use in beating yourself up for your mistakes, you are only human after all! Look at a mistake as a chance to grow and learn. Instead of pondering what you’ve done wrong, ponder what you’ve learned so the mistake either won’t be repeated or you’ll handle it better next time.

5. Don’t Be So Dramatic

“I can’t live without him! If he dumps me, I’ll die!” Really? You’ll die? And what is the teenage obsession with the word literally!? (I’m working on getting rid of this one myself.) I literally can’t even?? Just stop..

6. No Regrets

Mistakes, missed opportunity, we torture ourselves with our regrets. I like to look at it this way; in the past, you were a different person than you are right this second. You are constantly growing and changing. So moving forward, don’t go through life with regrets, do the things that scare you, those are usually the things we regret the most.

7. Don’t Set Your Dreams in Stone

Dreams and passions can change. I just knew I was going to be a fashion designer, but as I wrote the blog for my accessories business, I fell in love with writing. I enjoyed writing for my business more than actually running it. I changed, and so did my dreams. And so I started this blog. And just as I write, I’m not sure what will happen for me in the future but I’m open to it. I’m not telling you to stop dreaming or working toward your dreams, quite the opposite actually! I’m telling you to live, experience, and enjoy the ride to your dreams, you may find yourself passionate about something else, and that’s ok.

8. What is Love?

Many teenagers think they experience love, but from experience I can say it’s usually just infatuation, emotions, and hormones. Let’s forget about the first boy we had a crush on for a second. Love is laughing so hard with your friends that your drink comes out of your nose, and then you all laugh at that, love is spending time with your family and experiencing that comfortable home feeling, love is that moment you stand at the altar with the person you can honestly call your best friend. Only a lucky few find true love as teenagers and if you did, cheers to you!

9. Stop Comparing Yourself to Others

We as human beings instinctively want what others have. We often look at other people and think, I wish I had their life, their boyfriend, their abs, or even their butt! As we scroll through each others Instagrams we think to ourselves, “their life is perfect.” Not at all babe. Instagram doesn’t tell the whole story. Comparison is a daily battle that doesn’t stop after teenage life. We’ve all done it at one time or another. If we can just stop and be thankful for the current moment and stay in our own lanes, we won’t have to compare ourselves to anyone.

10. Happiness Isn’t Found In Material Things

Teenagers love their phones and laptops, some get a car at 16, and many have a dream to grow up and be rich one day. Money, houses, and fast cars are nice, but they’re definitely not everything. The only real way money can make you happy is helping others with it. It’s the same reason why Justin Bieber started acting out, why Lindsay Lohan got addicted to alcohol, and why our beloved Robin Williams left us too soon. They weren’t happy, and yet they appeared to have everything. Not everything; not happiness. Happiness is found inside, in human connection, and in gratitude.

11. Choose Your Own Path

Media says one thing, friends say another. Teenagers may often feel like they’re being pulled in a million different directions with all the decisions and pressures being thrown at them. College? Career path? Love? Friendship? Parents? In the end, only you can decide where your life will take you, what will make you happy, and which path you’re meant to take. There are decisions we may make as teens that can change the course of our lives forever like: taking drugs, drinking alcohol, getting pregnant, or joining a gang. You may fall here and there, but you’ll find your way if you choose wisely.

12. Don’t Try to Grow Up So Fast

Looking back on my teenage years, I let a lot of time pass me by. I didn’t take time for fun and to just be a teenager. I tried to grow up faster than I should have, and also certain life situations force you to grow up. But that time isn’t gone… I appreciate what I’ve learned from my teenage life, and I’ll take it with me as I start this new journey. It’s never too late to feel like a teen and regain your youth. Just taking more time out to enjoy your life instead of struggle through it is a great start.
I think we look back on our teenage lives and wish we knew then what we know now. We wish we were wiser, smarter, or made better decisions. But we were only teenagers. As a teenager, it’s your human right to be dumb, and make dumb decisions, that’s a part of growing up. So instead of looking back and cringing at our teenage selves, we should smile, and thank them for the memories and the lessons. We were young, we can’t be mad at where we were. As I say this to you, I say it to myself, that’s all we had to give at the time. No regrets, remember? Let’s thank our teenage selves, no matter how broken then, we’re here now. Moving forward in our lives, we can take what teenage life has taught us and indeed be wiser, smarter, better, and happier.
So the number of years I’ve been on this earth no longer has the word “teen” in it, and instead of dreading my twenties like before, I’m excited.

Tell me loves, What life lessons did you learn from your teenage life?  Teens, are you looking forward to adulthood?

Live a life that’s muzic to your ears!

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