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Hi, my name is James Shepherd.

Today I want to give you the advice that I gave a 20-year-old guy, who was getting into

merchant services.

My advice for a 20-year-old entering merchant services and really my advice in general for

somebody who is getting into this business for the first time.

I really had this great call.

I don't even remember the name of who it was I talked to now.

I'm really bad with names, but it was like a week ago.

When I had the call, it lasted about 25 minutes or so.

At the end of the call, I was thinking to myself, "I've got to shoot a video.

I wish I had recorded this."

I'm actually going to be recording some of my calls moving forward for a little blog

we are going to do, but I was talking to this young man.

He called me up.

He told me, "Hey," I think he was 20, maybe 22.

"I'm getting married in a few months.

I just got into merchant services."

He wanted my advice on the processor he had chosen to sell for and some other things.

Basically the advice that I gave to him was very, very simple.

I told him I said, "Look, what you are doing right now, you are making several assumptions

that may or may not be true.

The assumptions that you are making right now are number one, you can go prospecting

and people are going to like you.

Number two, you are making the assumption that if people like you and trust you, that

you have enough sales ability to close them.

Number three, you are making the assumption that your processor, if you close them, is

going to approve them and that they are going to service the customer in a way that works.

Number four, if all of those things happen, that the processor is going to pay you an

amount of money that is going to be sufficient to allow you and your new bride to live comfortably."

I said, "Those are four assumptions."

The key to business is not research and analysis and deep contemplative thought.

That is the secret to getting a business from 100 million to a billion perhaps.

That is not the secret of getting a business from zero to $100,000 a year in revenue.

The secret from getting from zero to $100,000 a year in revenue is very simple.

You get an idea – step one.

Step two, what are the assumptions that are underlying this idea.

I could sell you on any idea.

Ideas, you could come up with something, like selling ice to Eskimos.

Think how inconvenient it is for Eskimos to chop up their own ice.

They probably need a distributor to just sell them ice.

Don't you think that would make sense.

Well, there are some assumptions that we are making there, aren't we?

We are definitely making assumptions of how valuable we think this ice is to Eskimos.

You can make any idea sound good, but ultimately an idea is based on a set of assumptions that

you have made.

People who are successful in business are able to take an idea that seems like a good

idea and break it down into its compartments of assumptions that are being made.

That's step two.

Step one is come up with an idea.

Step two, figure out assumptions are underlying this idea.

If any of these assumptions are not true, it's not going to work and you are not going

to make money.

One little side example that might help you understand this.

When Itunes came out, for instance, with Apple.

Apple came out with Itunes.

They came out with the Ipod, things like that.

Right?

One of the assumptions that they had to make was, "Our people willing to put a device

in their pocket, or somewhere on their person and walk around with headphones in their ears?

Are they willing to do that?"

Here is the interesting thing about it.

Walkman had already proven that assumption to be true.

They didn't have to prove that assumption.

That was already there.

They knew already it was proven fact people are willing to do that.

What was maybe an unproven fact?

Well, are people interested in buying songs one at a time rather than the entire album.

That had not been proven.

Literally nobody had done that before.

They had had illegal downloads services.

So that was even more of a problem.

Are people willing to abandon illegal free services and actually pay for legal services?

It turned out that assumption was true, but that was the big leap.

That was the assumption.

They had to do all kinds of customer focus groups, surveys and find out.

Are people willing to pay for this?

Because we don't know if that's true.

So Itunes at the time, boy, what a great idea, right?

It sounds awesome.

You just buy music.

I've got it right here.

I even have the subscription service on my phone.

It's great, but are people willing to do that?

Well, there are some assumptions that are underlying it.

There is going to be some assumptions.

You have to figure out what those are is step number two.

Step number three is find the shortest path to proving that these assumptions are correct

or not.

In the case to this young man, my advice to him was very simple.

I said, "Okay, do you got a pen and paper?"

He said, "Yea."

"Let me give you a pitch."

I went through the survey pitch with him.

The survey pitch is basically you walk into the business.

"Hi, my name is James Shepherd.

I'm starting a new business here in town.

If you have just a couple minutes, I'm kind of going around and do a little survey.

I have two or three quick questions for existing business owners to learn a little bit more

about doing business in the community here and just to get your thoughts on what I'm

doing and do you think it is going to work.

Do you have like a minute or two for me to ask you these three questions?"

That's a great pitch.

People are going to be okay with that.

Then question number one is, "How did you get into business?

How long have you been here?"

A little small talk.

Question number two is "Are you currently processing credit card electronic payments,

and if so who are you using, and are you happy with them?"

Question number three is, "Once I get this business launched in a week or two, would

you mind if I came back and dropped off some free marketing materials now that I know what

you are currently doing?"

Something like that, right?

Very basic.

I said, "Okay, do you got that?"

He is like, "Yes."

I said, "Here is what you got to do.

It's two o'clock in the afternoon right now.

We are going to hang up the phone in a couple minutes.

When we do, you are going to go get your shoes on.

You are going to get our keys.

You are going to go out to your car.

You are going to get in your car and you are going to drive to the closest business.

You are going to walk in and you are going to tell them that exact pitch."

I said, "Then once you do that, you are then going to drive over to the next closest

business and you are going to repeat that."

I said, "Then what you are going to do is you are going to go to about 200, 300 businesses

over those first 10 business days and you are going to do that pitch 200 or 300 times.

By doing that what's going to happen is you are going to prove your first two assumptions

correct or incorrect.

Can you prospect in a way that makes people like you?

If not, I can't help you.

You need to go get another sales job, where you have a manager or a coach.

Number two, if you can get people to like you, can you close the deal?

If you get all these people, "I have 200 people that are interested."

How many of them bought from you?

Nobody, so you can't sell.

It doesn't matter about which processor you are with.

It doesn't matter about their compensation.

All that is totally irrelevant because you haven't even proven the first two assumptions.

The first two assumptions are can you prospect merchant services and can you sell merchant

services?

Those are the first two assumptions.

My advice to somebody getting into the business and like, "Which processor should I sell

for?"

Nobody.

Go out in the field and sell first.

"How can I do that?

I don't have paperwork."

It doesn't matter.

Go get some business cards that say payment consultant, you know, or sole proprietor,

whatever, and walk into businesses and say, "Hey, I'm just starting a business up."

Have some conversations and see, do you know how to get people interested and do you know

how to get people to buy from you?

If you do, well then all of a sudden, the processor becomes really important, don't

they?

Now you have a deal and you are going to write a deal.

What's their paperwork like?

What is the application process?

Now you are going to prove the next two assumptions.

See how that works.

My advice to somebody getting in the business is number one, you have an idea, that you

feel like is a good idea.

What are the assumptions?

Then what is the quickest path to proving those assumptions true or false.

That's how you can really get yourself going in business.

That's what I would do as a young person, or even somebody else who is going from an

employment to an entrepreneurial deal is what are the assumptions that are underlying this?

Then prove those assumptions as quickly as possible, so that you can either start making

money, or so you can end that and move on to something else that is going to be more

profitable for you.

My name is James Shepherd.

Thanks for watching and listening.

For more infomation >> My Advice to a 20-Year-Old Starting Out In Merchant Services - Duration: 7:41.

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CSC LAUNCH FIVE NEW SERVICES IN MARCH MONTH-मार्च महीने में सीएससी ने शुरू की ये पांच नई सर्विस - Duration: 6:52.

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For more infomation >> CSC LAUNCH FIVE NEW SERVICES IN MARCH MONTH-मार्च महीने में सीएससी ने शुरू की ये पांच नई सर्विस - Duration: 6:52.

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Peter Pan adding bus services for Easter weekend - Duration: 0:30.

For more infomation >> Peter Pan adding bus services for Easter weekend - Duration: 0:30.

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Certification de services supports pour du e-gouvernement - Duration: 6:24.

Government organizations face a new challenge:

to build IT infrastructures for the support of

``e-government'' services, in other words government services

that are accessible online while remaining reliable and secure.

With this support, any citizen could request an administrative procedure

and expect in return a timestamped certificate

of the operations carried out.

An obvious property of government e-services is that they MUST be resilient to failures,

regardless of their origin: accidental or malicious.

A first step is to rely on databases that demonstrate strong reliability.

There are several ways to build such databases.

The current trend is to use the ``blockchain'',

whose main usage is to record financial transactions associated with

virtual currencies such as ``Bitcoin''.

But there are other building blocks, for instance ``Distributed Hash Tables'', or DHTs.

``DHTs'' arrange huge numbers of nodes into virtual rings, where each node is associated with a computer.

A DHT ring can span over the whole planet, hosted by machines connected to the Internet.

Each ring node has a unique logical identifier: for example a number from 1 to N.

In order to compute the unique identifier of a node, DHTs provide a function

that takes the network address of the host computer as input.

Every physical machine on the Internet has a unique network address.

DHT functions add a distribution property

to the effect that two machines which are physically close in terms of network addresses

have a very low chance of being logically close on the virtual ring.

This property prevents the virtual ring from getting broken,

even in the event of a country-wide outage. The DHT maintains redundant copies of node addresses

to strengthen the ring the ring even further against failures.

The DHT stores and replicates data

on a set of nodes whose identifiers are numerically close, thus preventing

losses due to failures.

To read and write a data entry, a user must know its logical key,

a numerical identifier associated with the entry.

DHTs are good building blocks for e-government services.

In cooperation with colleagues from the four corners of the World:

at the laboratoire d'Informatique de Paris 6 at Sorbonne Université and Inria

in Paris, at the Universidad Técnica Federico Santa Maria in Valparaiso, Chile,

and at the Shanghai campus of New York University, we have designed,

on top of a DHT, a scalable system that stores transactions

and provides a non-repudiable certificate for each transaction.

However, even after we finished its design, we still had to prove our system

delivered its services correctly: no loss of transactions, no emission of an erroneous

certificate that would attest of an imaginary transaction.

The proof is hard to establish.

Indeed, our system is highly parallel, which is also

what makes it robust.

However, a fundamental result, published in 1985

by three researchers, Michael Fischer, Nancy Lynch, and Michael Paterson,

demonstrates that it is impossible to reach a distributed consensus

in an asynchronous system where at least one process may fail.

Simply put: the fact that you've been waiting very long for a postal package

does not give you any clue towards conclusions.

The longer you wait, the higher the probability

that the parcel got lost or was never sent in the first place.

You can check physically if the sender is functioning correctly.

But if you're handling simultaneous exchanges of large numbers of parcels

among multiple nodes, checking every node at all times is unfeasible.

All the more so in a context of possible failures, since requests to the senders

can also get lost.

It is thus impossible to determine the exact

status of each parcel.

Since the results of Fischer, Lynch, and Patterson apply to

the runtime environment of DHTs, we had to demonstrate the correctness

of our algorithm in a complex setting.

To this end, we combined mathematical techniques

for behavior modelling and prediction with a probabilistic analysis.

We proceeded in two steps.

In our first step, we verified formally (and thus with a 100% certainty)

that the behavior of our system in an ideal world,

where there is no message loss and where consensus is indeed possible.

Then we assumed a fixed probability of failure on a single node to

assess the probability of failures in the distributed system:

the loss of a transaction which prevents the establishment of its certificate,

or the issuance of an erroneous certificate attesting a transaction

that never occurred.

We selected our failure model and designed our algorithm

to cover at the same time hardware failures, bugs, and

malicious behaviors.

Our mathematical analysis shows that,

assuming a 5% (5 times 10 to the power -2) probability of failure on any node,

we can bound the probability of failure of our overall system

to 10 to the power -13.

Our single node failure assumption is voluntarily high and gives an idea

of the efficiency of the system we propose.

To give you a concrete example, by using our system to file

all of the 36.5 million income tax declarations submitted every year

in France, the error rate would be about one per millenium.

In practise, it is impossible to achieve a fully failure-proof algorithm

in a realistic environment of execution, so we use the term

``quasi-certification'' to describe the type of guarantee our solution

provides for online services.

You can find more details about this work in our paper published in 2017 by The Computer Journal,

a prestigious international journal edited by Oxford University Press.

For more infomation >> Certification de services supports pour du e-gouvernement - Duration: 6:24.

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New partnership helps Montana Child and Family Services workers - Duration: 2:06.

For more infomation >> New partnership helps Montana Child and Family Services workers - Duration: 2:06.

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Security Services - Duration: 1:14.

Crystal like to offer an approachable reliable member of staff that students

can feel they can come to if ever there's a problem.

We offer man guarding and key holding, mobile patrols and alarm response as well.

They're in charge of everything from lock outs, to fire alarms, to taking and

receiving of parcels. It's important that the students that live here a lot of

them are going to feel quite vulnerable, they're away from home they need to know

that they've got someone they can rely on. If there's any problems, we're on the

other end of the phone. Our response times that are quicker than anyone else.

All of our guards are SIA trained. We like to ensure that they've got a couple

of years experience. We ultimately look at security guard as being the first

impression and a last impression of a visitor to a building. We've got to be

prepared to treat them as students. They're very vulnerable and they might

feel out of their comfort zone. Just be there, a shoulder, at times that they need it.

These students will often look for guidance. He's goteto be firm but still

approachable.

For more infomation >> Security Services - Duration: 1:14.

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Karma Group have one of the best services in the industry | Rahul Pai - Duration: 0:54.

hi good afternoon from Candidasa I'm Rahul and my wife Sapna we've been

members the past 15 years and we should definitely say that Royal Bali Club is

one of the better club that we've experience in terms of service and the location and

the fantastic sight yeah the staff is really friendly

everyone's been really nice and pool beautiful and you really had a very nice

time you definitely like to recommend yeah join Bali Club to all the

members will experience two different things like diving and even took a boat and

volcano so a lot of different and unique things that definitely should be

experienced by any tourist who's coming to Bali yeah and

The beach is wonderful and the location is pretty central so you can go to a lot of

different places in Bali from town so it's been great being here and

Wish you guys all the best yeah thank you

For more infomation >> Karma Group have one of the best services in the industry | Rahul Pai - Duration: 0:54.

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Writing Grant Proposals to Include Translation & Interpretation Services - Duration: 12:56.

Welcome to this presentation on writing grant proposals to include translation

and interpretation services, provided you by UW cooperative extensions language

access team. In today's presentation, we'll provide an

overview of what "language access" is, then we'll talk about the difference between

translation and interpretation. Next, we'll talk about the benefits of integrating

language access services into your grant sponsored project proposal. We will cover

estimating costs for interpretation and translation services we'll talk about

developing a budget for your proposal and we'll provide some insight and

guidance on project consultation resources and support for grant writers

so what is language access there are three main parts to language access

first as recipients of federal funding civil rights non-discrimination

compliance requires that all of our project and programming are able to

provide services and access to programs for persons of the public with limited

English proficiency accommodations for limited English Proficient members of

the public include interpretation and translation services and finally

expanding access is part of our organization's mission and goals all of

these things provide a general overview of what language access is so why does

language access matter to uw-extension language access helps us operationalize

our mission to serve state and local needs especially as it relates to

serving linguistically and culturally diverse populations what is the

difference between translation interpretation if you look to the left

you'll see that translation is about relates to text-based content that's

made available into a multilingual format this can be anything from fact

sheets to brochures posters flyers outreach letters signs

sites newsletters PowerPoint presentations another way to think about

translation is about developing multilingual materials if you look to

the right column you'll see that interpretation relates to providing a

professional interpreter during in-person program this usually takes

place in workshops trainings conferences and delegations or international

partnerships another way to think about interpretation and how it's used within

programming is about interpretation helps create multilingual learning

environments so what are the benefits of including language access services such

as translation and interpretation as a part of your project proposal first and

foremost this demonstrates proactive planning securing funding upfront from

federal sources or funding sources helps offset unanticipated costs during the

project implementation second language access adds significant value to your

project expanding access is an organizational priority with UW

extension and translation and interpretation help undergird the strong

communication that is essential for building strong relationships with our

Wisconsin communities second language access helps keep your project

objectives on target when we're talking about targeted communities if they're

underrepresented communities we help you ensure that your programming and your

approach includes culturally responsive strategies for conducting programming

with and for underserved populations this is particularly important for

making sure that whatever we're developing in multilingual materials or

however we're creating multilingual learning environments for programming is

that we help make sure that they are linguistically appropriate and based on

the target community third language access helps meet requirements

established by federal funding sources for serving culturally and

linguistically diverse audiences

understanding costs for your project this slide provides an overview as to

certain considerations that we need to give for using translation and

interpretation services when we talk about multilingual materials in using

translation service vendors if you look to the column to the left it's important

to note that cost effective service rates or getting a price quote is not

the same as getting the cheapest rate possible this is important to keep in

mind when working only with professional translation service vendors online

translators such as Google Translate or other online translators are not an

acceptable way to create multilingual documents by working with the

uw-extension language access team we help you coordinate the development of

multilingual materials using only perfect language professionals who are

qualified to provide translation services that being said all translation

services are not the same keeping this in mind it is important to go only with

professional service vendors that we can help you use to create your projects

multilingual materials service rates for translation will also vary and can

depend on a variety of factors this includes the language fair it includes

the vendors credentials and it also depends on the project content also most

professional translation vendors charge per translated word and reasonable rates

for professional translation services can range anywhere from eighteen to

twenty-two cents per translated word moving over to the right column now

interpretation services or multilingual program delivery there are certain

considerations to keep in mind that bilingual people is not the same as

professional interpreters professional interpreters are qualified to deliver

services using more than one language whereas bilingual folks may have a

domain of two language but they're not necessarily qualified

trained and/or skilled to provide professional service professional

services within a multilingual say professional services possess specific

training these skills and experience and the credentials to provide the services

that they're used for service rates for interpretation can vary and depend on a

number of different factors this includes the language pair travel the

length of the event equipment needs weekend vs. weekend weekday versus

weekend events day that take can take place either during the day or evening

hours reasonable rates for professional interpretation services can range

anywhere from 30 to 80 dollars per hour so how do we develop a budget for our

project proposal if you look at this table you will see a breakdown of

anticipated costs for a project so the first column includes all of the names

of the different types of services incorporated within a project proposal

it includes in the top left and project assessment in planning translation of

text based materials and below interpretation services for in-person

programming we've developed a sample project here to price out to show folks

how these services are priced out and included for a total estimate as you can

see here this person had set up a time to consult with the language access team

that was again given out as a visit the sample cost for services consultation at

$80 an hour during this time we developed a plan for how to identify the

language access needs and a develop a plan for translating and interpreting

services this project consisted of both developing a brochure and a poster in a

multilingual format in addition to providing to events that would take

place within the community during the summer months if you move over to the

right here the third column provides an estimate

cost for subcontract subcontracting with third-party translation and

interpretation vendors the brochure which is 267 words is priced though at

an estimated 20 cents per translated word giving us a total of 53 dollars and

40 cents the poster that was a part of the same project which was 456 words was

also estimated at 20 cents per translated word and gave us a total of

91 dollars and 20 cents then taking into account the interpretation services an

estimate that would be needed during these community events at $40 an hour

since it was a one-point an hour-and-a-half community workshop was

priced out at $40 so combining both the costs of working with the language

access team and the estimated costs of the project we have a total estimated

project cost of three hundred and four dollars and sixty cents of course this

is just a sample project and all rates and services would vary depending on the

project and its unique needs project consultation and support here's how we

can help you we can help you identify the specific needs of the project

started target audience this includes what type of services we would need

whether it's just translation or a combination of translation and

interpretation that's going to depend on the nature of your project we can also

provide an insight on developing a rationale for language access needs and

helping you understand and communicate why the need for language access

services are important to the success of your project we will also help grant

writers explore traditional and non-traditional outreach strategies that

are necessary to reach their target audience we can help answer questions

about contracting with professional and translation interpretation service

vendors so that you understand what the costs are and and what implications it

has for your project we can help you develop a budget for the

project much like in the previous site you saw to develop a comprehensive plan

and a price out what it would cost to integrate these services into your

project and finally we can include a letter of support for your grant

application process this is a sample of a letter of support from language access

that would include information about the project its details and in addition to

helping you develop the budget that you can submit with your your grant

application for language access support and resources to get started on working

with us for your grant application please fill out our language access

support request form to get started keep in mind that the necessary lead time

that we ask is about four weeks at least four weeks from submitting your

application this is important to give us enough time to work together to identify

the needs to develop a plan and to provide you with the letter of support

needed for your grant application you are also welcome to visit our website or

you can reach us via email at these two email addresses located below we hope

you found this information to be of benefit to your grant writing proposals

if you have any questions related to the content in this presentation or other

questions related to grant applications or the projects that you're working on

feel free to reach out to us either by email by phone or by stopping by the

extension building thank you very much we hope you enjoyed today's presentation

For more infomation >> Writing Grant Proposals to Include Translation & Interpretation Services - Duration: 12:56.

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What does the California Department of Child Support Services offer? - Duration: 0:51.

The following services are provided by the state through local child support agencies:

Help with locating parents Legally establishing the parents of a child

Creating an enforcing collection of court-ordered child support payment

Partnerships with other states and countries to enforce child support

orders where one parent lives outside of California

The California Department of Child Support Services

does not handle matters of divorce child custody or

visitation if you need assistance with any of these matters, please contact the

Family Law Facilitator at your local county court. Those services are

available to every parent and are offered at no cost.