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Some people think that November is the start to the Holiday season but a quick trip down the center isle of your local supermarket will soon prove that HALLOWEEN is the sweet start of the silly season! This next week people will be busy filling up candy bowls, customizing their costumes and putting the final touches on their ghoulish party plans. Then we are off to the ‘Big 3’: Thanksgiving, Christmas and New Years! As business owners, one of two things is happening right now: 1- You are winding down from a busy summer and getting ready to plan out 2011 or 2- You are running around like crazy, getting ready for your busiest time of the year ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ In either case, here are a few timely tips

Some months back I was at a business conference and one of the presenters said that he had decided ‘Not To Participate in the Recession’. I LOVED that idea and the power it contained! While the financial worries of the day are not completely behind us, there is some good news! Here at TMC, we are seeing a solid flow of new businesses as well as steady increases in transaction volume by our existing merchants. There are still signs that the economy has not completed its recovery but for the most part, the businesses we have the pleasure of working with are moving in the right direction. Perhaps the reason we are moving in the right direction is because we are taking better care of our finances. It

Sir Smiley here and Guess What? We just upgraded our phone system! As our business grows and we are privileged to serve more andmore merchants, finding ways to be more efficient is at the top of our priority list! Don’t worry- no call Ques or extensive ‘Press#…’ options at TMC! Just a solid, robust phone system designed to make accepting your calls and calling you even easier! Here are just a few of the features we are excited about: #1- Since the new phone system is integrated with our contact management software, we will be able to go directly to your record when you call from any of the numbers we have on file! #2- Likewise, when we are in your record we can easily click a button

For the past several days, I have been attending an Anthony Robbins Leadership seminar. As a small business owner, I use these types of events to ‘recharge’ my battery and gain helpful insights to continue growing and finding ways to be of even more service to our merchants and referral partners. Yesterday, I heard some powerful statistics that might interest you from a business stand point or from the stand point of a financial partner who provides services to businesses: ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Business Survival Rates 2006 50% of businesses fail before their 1 year anniversary 80% of those businesses fail before reaching the 5 year mark 96% of those businesses will never see their 10 year anniversary In other words 4 out of 100 business start ups ‘make it’-

For months, we have been talking about PCI/PED Compliance and how security mandates are requiring changes to the equipment we use to process PIN (Personal Identification Number) based debit transactions. Now that the compliance deadlines have passed, many of our merchants are receiving compliant PIN pads in the mail and are being given the option to replace the equipment or discontinue the acceptance of PIN based debit cards. Here are a few things to consider in order to make the best decision for your business: ********************************************************* #1- Should I Be Using a PIN Pad? With all of the recent changes to debit card pricing, it would be a good time to have our team evaluate whether accepting PIN based debit is still the best and most effective way

Sir Smiley here to wish you and your family the best 3 day weekend ever! Our TMC team will be enjoying the day off with their families (our 24 Hour help desk will still be available if you need assistance!). Please enjoy this walkthrough history as the folks from Wikipedia share the history of Labor Day with us: Labor Day is a United States federal holiday observed on the first Monday in September. The first Labor Day was celebrated on September 5, 1882 in New York City. It became a federal holiday in 1894, when, following the deaths of a number of workers at the hands on the U.S. Military and U.S. Marshalls during the Pullman strike, President Grover Cleveland put reconciliation with the labor movement as a