The cost of becoming PCI Compliant depends on a number of factors including your business type, number of transactions processed annually, existing IT infrastructure, and current credit/debit card processing and storage practices. Gartner estimates that during 2007, the nation's largest merchants, classified as Level 1 (processing in excess of 6 million transactions of a single card type per year), will spend $125,000 assessing the scope of required PCI-related work and another $568,000 to meet the requirements. This part 1 of a two part series about PCI Compliance.
As an example, Robin Sidel and Pui-Wing Tam of the WSJ recently reported that Guitar Center, a national retailer of 210 stores, recently spent nearly $500,000 on PCI Compliance. Gartner also concluded that Level 2 merchants, those processing between 1 and 6 million annual transactions, will spend $105,000 to determine scope and another $267,000 for compliance. Level 3 merchants, processing between 20,000 and 1,000,000 e-commerce transactions, are expected to spend $44,000 assessing and $81,000 for compliance. The costs associated with Level 4 merchants, those doing less than 20,000 ecommerce transactions or up to 1,000,000 non-ecommerce transactions, varies widely.
Only Level 1 merchants are required to have an on-site audit. Levels 2, 3 and 4 need to fill out the Self Assessment Questionnaire and sign up for a quarterly scan to check vulnerabilities on all outward-facing IP addresses. A rough estimate for the scans is $150 to $2,500 per IP address per year. Merchants who accept multiple currencies may incur additional costs from global payment solutions.
Next month we look at other costs, including software and hardware upgrades.
Sly Cooper Part 1
Have you ever begun a exercising with a particular weight goal or body type in mind? At first you start to see all these results. Your clothes may be fitting differently and your body becoming more defined. You are pleased with the results and love the way your body is changing. You may have even bought new clothes to show off you new look, and then IT happens.
Gradually you aren't seeing the results that you first saw. Next thing you know your have become discouraged and want to quit, but DON'T!!! You just experienced a plateau. A plateau is when the body adjusts to the stresses applied to it so that the required tasks become easier. On your way to a plateau you may begin to see improvements in your body because of the transition it is making.
The reason you stop seeing results is because your body has adjusted and is no longer challenged to do the same activities that once were hard. How do you get out of a plateau you ask? Well, the first thing you must do is challenge the body again. You need to add more stress, whether it is by increasing your cardio or whatever. You need to challenge the body, because it is this challenge that actually yields results.
The F.I.T.T. Principle is one that can help you stop plateau and continue with your progress.
FREQUENCY- Exercise at least 3x/week. Exercising (cardio) more than 5 times may not greatly improve your level of fitness if you are doing the same thing every day. Your results greatly depend on the amount of effort you put in. With resistance training you can alternate different body parts different days of the week.
INTENSITY- When doing cardio, the body needs to be in its target heart rate zone in order to achieve fat burning. You need to do cardio at least 20 minute to change the body's energy source from carbohydrates, to the stored fat that you have.
If your heart rate isn't in this range then you need to either bring up the speed or resistance. For strength training, if the body isn't being challenged or overloaded you will not see substantial results. This overloading is what gives you those arms of steel, and those beach-body abs.
How to calculate maximum heart rate: 220 - age = Maximum Heart Rate Low Fitness Person would train at 50% to 70% of 180 beats per minute which is 90 to 126. They should keep their heart rate between 90 and 126 beats per minute for the required time of the exercise.
A Higher Fitness Person would train at 70% to 90% of 180 beats per minute which is 126 to 162. They should keep their heart rate between 126 to 162 beats per minute for the required time of the exercise. Use a heart rate monitor. For resistance training sometimes it isn't necessary to do 3- 5 sets of an exercise.
When muscle failure is reached, you can move on to the next exercise. You are basically working out for that moment when you have to struggle to get that last repetition. Lifting weight below this intensity is inefficient.
Both Bryan Johnson 01 & Donny Fonseca are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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