Merchant Services a REAL Comparison

Posted on October 21st, 2010 { 6 Comments }

I’m very opinionated (you already know that right?), so if you’ve followed me on Twitter you would know by now I’ve been having an interesting argument with a Independent Marketing Rep for http://AGMSOnline.com who found my FNMS case interesting and has been trying to get me into give the company he represents a try.

My argument, quite valid, is that I’m sick and tired of hidden fees, penalties, minimum fees, termination fees, fees for breathing air and any unimaginable fee banks and merchant services (credit card processing) can come up with to suck the life out of a small business, so I resorted into using the Virtual Terminal from PayPal after my last encounter with a credit card processing (FNMS) who’s running a very lucrative (for them of course) scam on businesses of all sizes, and most recently the Square app from Squareup.com for my iPad (which I’m in love with!) instead of a regular boring credit card processing with complicated contracts.

His argument, I’m paying higher rates compared to a regular merchant service or bank. › Continue reading


Thursday, October 21st, 2010   |   permalink  |   6 Comments   |  

On my Easel Right Now – A New Opportunity to Collect Art

Posted on August 30th, 2010 { No Comments }

On My Easel Right Now is a new section I’ve created on my website featuring a work-in-progress that I happen to be working on at the moment.

This came out after many of my clients, collectors and galleries wanted not only to have a chance to see what I’m currently working on but wanted a chance to buy it before anyone else. So after a lot of thinking we decided it would be great to give my collectors a financial break and give them the chance to buy the new freshly painted artwork for a fraction of it cost before it’s released at regular gallery retail price. › Continue reading


Monday, August 30th, 2010   |   permalink  |   Comments   |  

1 Week ONLY! All Daily Paintings on Sale

Posted on August 28th, 2010 { No Comments }

I’m cleaning my studio/gallery to make space for all the large paintings I’ve been working on, so this is your chance to purchase the painting you always wanted but couldn’t afford.

All my daily paintings and I mean ALL my daily paintings are on sale @ $75 each!

There is a catch though the sale ends September 2, 2010, so hurry before they are gone.

Start Collecting My Art NOW! >>


Saturday, August 28th, 2010   |   permalink  |   Comments   |  

First National Merchant Solutions – A Scam or a Bad Business?

Posted on August 25th, 2010 { 14 Comments }

UPDATE 4/8/2011: First National Merchant Solutions (FNMS now formal TSYS) was sued in court  in 2010 for the same practices we’ve all described below (as you can see I’m unfortunately not the only one that got scammed by this fraudulent company) .  First National Merchant Solutions are definitely scamming their clients with fake contracts, illegal overcharges and outrageous fees. This has happened to thousands of business. First National Merchant Solutions claim they are the largest payment processing bank, I should say the largest fraud makers in the US. This company needs to return each and every penny they’ve illegally taken from all their clients.  To read the lawsuit follow this link.

In February of 2009 I was approached via phone by Jason Carpenter a sales representative for First National Merchant Solutions (FNMS) offering me what I thought was the best offer any business could possibly have, a great pocket saving, credit card processing company. The rate were great 2.16% + 0.20 cents on VISA, 2.37% + 0.20 cents on MasterCard, 3.67% + 0.20 cents on Discovery and a monthly fee of $7.50.

When I signed up I was verbally promised 1 year agreement with auto-renewal and no early termination fees if I stayed for at least a year, which sounded reasonable. He said my contract agreement would be mailed after signing the contract, which I thought unusual, but hey, its First National Bank right? they have been in business for ever. During the negotiation I mentioned to Jason I was already PCI Compliant with my website through McAffee (former Scan Alert), for which he asked what was that? Little old me had to explain one of the biggest bank institutions what PCI Compliant meant for the credit card industry and how it affected online e-commerce. He replied saying that was fine but that they were not involved with it at all. Which I thought it was quite weird since the law for merchant services and e-commerces was passed in June 2006. › Continue reading


Wednesday, August 25th, 2010   |   permalink  |   14 Comments   |  

Living with a 9p+

Posted on August 6th, 2010 { No Comments }

It took me a while to get this out not because I’m embarrassed but because I didn’t want to be placed or place my daughter in the position of scrutiny and answer tons of questions. Nonetheless I came to realize that no matter what people will ask as they have being asking for 12 years every time they see us at the mall or the beach, everyone is curious to know why, how and when… some questions have being senseless and quite painful and many people have pointed and laughed (to me those are the ones who I consider retarded) but I guess is human nature, I’m just too jealous and in a way have been shielding her from everyone and everything as much as I possibly could. She’s my baby, why wouldn’t I?…

Her name is Daniela Cristina and she’s my daughter. She’s 12 years old and was born with a very rare syndrome that affects less than 200000 kids in the US, a condition that is even more rare than Down Syndrome and Autism combined. The syndrome is commonly known as 9p+ (Rethoré syndrome). This syndrome runs in my family, on my mother’s side, which was not known to us until Daniela was born. 3 of our family members were born with derivatives of this syndrome, my daughter (9p+) my nephew (older brother’s son 9p-) and my grand daughter -  I think that’s what she’s to me? – my nieces’ daughter (presumably 9p+ we’ll know when the results come out).

The expectancy of life in kids with this syndrome is not too high. Usually they die within the first 5 years of life, and the complications after birth are heart breaking to say the least. It takes a truly committed and strong parent to overcome all the obstacles but the rewards after the storm are incredible!… Daniela is 12 y/o which makes her an exception to the rule, for which we have been asked many times by genetics and doctors to let them study her, which we have refused to some and agreed to less invasive studies as we wanted to provide her of a normal life that any child has the right to. Because of the syndrome Daniela can’t verbally talk or walk the reason she’s on a wheel chair. She has the mental capabilities of a 2 years old in many activities and of an infant in many others. Nonetheless she completes our lives in ways that I can’t explain.

Daniela is a blast! she’s extremely sweet and has the smile of an angel! she likes to cuddle while watching tv and enjoys music and bright colors, and trust me there are PLENTY of bright colors in my house to stimulate her. Good thing I’m an artist huh?! Although she can’t talk or do any sign language she has told us many times how much she loves us. She’s smart and is able to let anyone know what she wants or doesn’t want even though she can’t talk. She’s the main reason I work so darn hard. Everything I do is for her, to make sure if something happens to me her and her brothers will have everything they need to continue their journeys.

I don’t want to think about the if’s of her condition, I don’t want to think for how long she’s staying with us in this life, these are things that don’t matter to me. What matters to me is that she’s here with us, that she chose us to be our angel on earth, to teach us things that no one could possibly imagine. She has taught us so many beautiful things and has given us soooo much without asking anything in return. She’s my angel and she will always be.

God bless you Dani, God bless you my beautiful angel.

To every parent that has a child with any disability I say don’t ever give up, don’t ever give or THINK to give your child up for adoption. They need you as much as you need them. Only a parent of a special needs child knows this and knows the journey is so well worth it.


Friday, August 6th, 2010   |   permalink  |   Comments   |