Merchant Account Risk and Security (part 2 of 2)

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For service providing banks, chargebacks mean that the merchant or the business owner do not have enough money or have declared private.

There are businesses, by their nature, have higher chargebacks compared with other businesses. Reasons for higher chargeback rates can be brought about by the products themselves that these businesses are selling. High priced and high in demand, like high end electronic devices and jewelry.

Other businesses that are considered to be high risk are adult book stores, adult entertainment, adult novelties, adult video stores, advanced sales, check cashing services, child pornography, collection agencies, credit repair services, dating/escor, diet marketers/ programs, exotic dancing establishments, multi-level marketing, interned pharmacies, pornography, sexual encounters firms, telemarketing, time share, travel clubs/tours/guides and vacation packages.

As protection for these kinds of risks, processing or acquiring banks get a special account called the reserve and put some business owner’s funds there. In cases when a business owner declared bankruptcy or closes down, processing bank are unable to process future chargebacks. So what they do is set up a reserve account to that the processing bank can access the funds held in reserve to cover the chargebacks.

Another risk is called the transaction risk. Processing banks are always facing daily transaction risks whenever they are processing credit cards for the business owners. The risk is mainly around the process of transmitting sales information to the card-issuing bank for collection and reimbursement. Other transaction risks are employee errors, system breakdown of the bank or natural calamity.

Merchant accounts can also have risks in balance with their benefits. There are different ways to counter the risks, but the most effective medicine is early detection.

Merchant Account Risk and Security (part 1 of 2)

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Merchant processing through merchant accounts is the way of paying through electronic payment for the business owners. Getting a merchant account and merchant processing involve gathering sales information, obtaining authorization for the transaction, collecting funds from the card-issuing bank, and reimbursing the business owner.

There are risks in opting for merchant processing. Whenever it has something to do with finance, if something goes wrong, someone will definitely lose money. Through merchant processing, it is important that nothing gets wrong with the processing or acquiring banks, or business owners who are with these banks under their merchant accounts can find themselves in mud.

But if the bank is adept management and can control the risks, then merchant accounts can be safe and business can prosper. There can three major or primary risks: strategic risk, credit risk and transaction risk.

Strategic risk is more on the side of bank who is offering the merchant account services.  If the bank management lacks the overall business plan and strategic direction then the bank may encounter some strategic risks.

The second risk is called the credit risk. Credit risk can arise from chargebacks.  Chargebacks have significant effects and risks to the acquirer/ processing bank and to the business owners themselves. Acquirers or bank processors experiences risk to their earnings and capital.

What are chargebacks?

Chargebacks are when customers or persons who have purchased the product would like to refund the purchase from the bank who have issued their credit card. Reasons for refund can different depending on the situation, but commonly, refunds are attributed to dissatisfied customers. With chargebacks, the buusiness owner is not contacted by the dissatisfied customer to resolve the issue.

Knitting Patterns (part 2 of 2)

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Interesting knitting patterns can be created through several types of stitches. The various types of knitting used for creating beautiful types of patterns include shadow knitting, slip-stitch knitting, fair-isle knitting, drop-stitch knitting, cable knitting, lace knitting, bias knitting etc. All these types make use of purls, knits and wales to create a variety of design patterns.

Each pattern of stitch can be created keeping in mind the stitch multiples required for that particular pattern. A multiple of 7 means that one can cast on a certain number of stitches that are divisible by 7. A multiple of 9+2 stitches means that one can cast a certain number of stitches that are divisible by 9 along with two extra stitches.

Reversible stitch patterns are of two types. In the first reversible pattern, the stitches on the cloth look similar on both its sides. The stitches on the fabric look different when seen from its both sides in the second reversible pattern. These visual effects add interesting dimensions to the fabric. The different types of reversible stitch patterns include layette, diagonal rib, little pyramids, purled ladder, moss stitch, diamonds etc.

Several websites provide information about knitting patterns with beautiful illustrations and step-by-step guides. One can also avail the books and magazines on designs and patterns.

Be it a cute teddy bear or a chic shawl; cozy little mittens or smart cardigans, one can incorporate interesting knitting patterns to add that extra style to the stuff he knits.

Knitting Patterns (part 1 of 2)

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Gone are the days when knitting was all about making monotonous patterns. Today is the age of vibrant and multifarious knit patterns. Knitting truly is conquering new heights with the rise in the number of knitting patterns. In fact, one can create his/her own knitting patterns by applying creativity and imagination.

One can combine knits and purls in an array of ways to form unique knitting patterns. In case of two stitches, the former stitch is called the knit stitch whereas the latter one is called the purl stitch. Both these stitches create a unique effect whereby a particular stitch appears to be a purl stitch from one side of the fabric and a knit stitch from its other side.

The different visual effects created by the knit and purl stitches help in creating several types of designs and patterns. Knit stitches generally look like ‘V’s stacked vertically. Purl stitches look like wavy horizontal lines running across the fabric. Rows of long and short stitches can be created to form interesting knitting patterns.  They create an appealing visual effect.

Stockinettes are simple fabrics in which all the stitches are either the knit stitches or the purl stitches. Both these stitches are twisted to create unique design patterns. Right and left plaited stitches create beautiful visual effects. One can knit attractive patterns of jewelry from fine wires of metal by using plaited stitches.

The different types of purls and knits include box stitch, basket weave, garter stitch, moss diamonds, moss panels, rice stitch, seed stitch, parallelograms, windmill, mistake rib, twin rib, triangle squares, triangle ribs, single chevron, close checks, elongated chevron, pavilion, purled ladder, weave, pique triangles etc. All these create interesting 2D and 3D effects on the fabric.

Landscape Architects PLP (part 2 of 2)

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The landscape architects work for many groups. Careers in landscape architect plp are available in all the sectors from real estate development firms to the municipalities. Such professionals are involved in the development of a site from the beginning of the work. They also work together with foresters, environmental scientists and other experts to find out the best ways to preserve the natural resources.

Landscape architects first study the plan completely while planning a site. Then they think about the purpose of the project and the availability of money. They study the natural elements of the location like the weather, earth, drainage, slope of the land and shrubbery. The landscape architects also watch how much sunlight falls on the location at diverse times of the day. They also study the effect of roads, existing buildings and walkways on the site.

The preliminary landscape plan may be included into the site plan. Therefore, there is a nice opportunity of making a career in landscape architect plp.

The preliminary landscape planes are required to show several things like parking lot and street lighting plans showing harmonization with planned landscaping, slopes, all proposed parking lot trees indicating conformity with the requirement of shading and the existing trees with species, location, trunk size and if they are to be removed.

Thus, the landscape architect plp is a broad filed and it offers a nice career opportunity for the landscape architectures.

Landscape Architects PLP (part 1 of 2)

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Landscape Architecture includes design, planning, conservation, management and rehabilitation of the land.  Landscape architecture is a professional, who designs site planning, architectural designs, housing estate development, urban designs and other landscape related designs. A practitioner of the field of landscape architecture is known as a landscape architect.

The landscape architects help make outdoor features more attractive and useful. They decide where to put trees, flowers, garden paths, along with different landscape details. They work with a team of surveyors, engineers and architects to find the best place to put roads and buildings. They work with ecological scientists to find the best way to conserve natural assets and resources. Landscape architect plp is also the same profession.

The landscape architect plp are the professionals who deal in the preliminary landscape plans. They make preliminary landscape plans of a particular land before its dealing. Many companies have expert landscape architect plps. The landscape architect plps work with a shared approach.

These professionals mainly provide cost estimation, master planning, project management, site analysis and evaluation and site planning services to the clients.
Everyone loves beautifully designed housing areas, playgrounds, public parks, shopping centers, college campuses, parkways and golf courses.

The landscape architects design these areas to make them more attractive, functional, and friendly with the natural surroundings. They design the site of buildings, walkways, roads and the parkways. The landscape architects also arrange shrubbery, flowers, and trees. Apart from that, these professionals also design and plan the reinstatement of natural places that are harmed by humans. Such places include stream corridors, wetlands, forested land and mined areas.

Living Wills: Putting Your Refusal Into Writing (part 2 of 2)

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The second probable reason for the refusal of medical treatment would be the existence of intolerable circumstances. In spite of the simplicity and tolerability of a particular life-sustaining intervention – such as a nasogastric tube (NGT) feeding, some may say no to it in the presence of an irreversible condition like a persistent vegetative state.

When viewed in this light, the life-prolonging measures may be met with completely atypical decisions. The treatment would then be perceived to lengthen the period of suffering, for both the patient and immediate family.

Even though some decisions fall effortlessly under one of the two broad categories, others just would not fit below any. Based on the circumstances present, the term "medical treatment" may involve the use of ventilation tubes (inserted into the chest or neck), the administration of antibiotics or any drug with a high probability of success. Benefit/burden decision-making in these situations could bring about different choices.

If you want certain treatments to be withheld when you're no longer able to decide for yourself, you should specify them in your living will. Numerous health care declarations or living wills contain instructions intended for doctors to deny the provision of "life-sustaining treatments" or "extraordinary care".

These directives are often difficult to interpret correctly and are less likely to be followed than those that are more detailed.

Living Wills: Putting Your Refusal Into Writing (part 1 of 2)

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The current medical advances have made it possible for health care providers to artificially prolong life. To some people, the notion of hooking their loved ones to a life support system may be not be agreeable especially if there is no definite chance of recovery from the debilitating condition.

However, a lot of folks strongly believe in the inviolability of life. And unless the patient himself or herself wills the termination of life-prolonging measures, no one has the right to pull the plug. Then again, the only way that this would happen is through the use of living wills.

You may not initially welcome the concept of living wills. But as you try to weigh the pros and cons, you will begin to realize that it is not a bad idea after all. A great deal of planning and preparation is your best option if you want your hospital care to turn out the way you want to – even if it involves pulling the plug for all forms of artificial life support. In addition, putting your wishes into writing is the right path to take in this particular situation.

Possible Reasons For Refusal of Treatment

There may be a million of different reasons why people would want to refuse medical treatment. Then again, most of these rationales may be placed under two broad categories. The first one basically involves the overall benefit of the medical intervention. If the advantage of a particular medication or procedure is not huge enough to substantiate the associated discomfort and risk, then the patient may decide not to receive such measures.

Even though most folks would be willing to undergo a number of risky and unpleasant treatments in order to live longer, this statistics should not be viewed as the basis for the medical care of all patients – particularly those that do not have living wills. Some people actually prefer a shorter and more comfortable life, especially if the quality is significantly compromised.

The Science of the Magazine Publishing Process (part 2 of 2)

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Distribution: Tapping into Globalization and the World Wide Web

As times have changed, the magazine industry has naturally evolved to adopt the paper-free system. Indeed, magazine publishing has already infiltrated cyberspace and beyond. There are no pages to print and no papers to bind. These are called online magazines and are usually either copies of the paper-based ones or are independent magazines themselves. All they need are their publishing schedules, pictures and articles, and they're good to go once they have a solid reader base. The profit they generate will most probably be from pay-per-read articles or from the profit generated from high traffic to the website.

When before, magazines were only distributed in the country of its origin, now it is being distributed worldwide and franchised by different countries. Today, magazine publishing has overdone itself in that it has allowed its publications to sprout up in countries such as China and Australia, allowing them to work under the name of the magazine but produce their own content.

Of course, the content must still be parallel with the topics that the main franchise of the magazine is known for. The irony here is that the different countries can localize their content but are participating in a worldwide company, allowing diversity in the process of globalization.

As you can see, the magazine publishing industry is in its booming stage, and many people are cashing in on the potential of the magazine business to grow. As it involves a complicated process in production and distribution, it allows creative minds to venture in and participate. It takes brains and willpower to get an edge in the magazine industry.

The Science of the Magazine Publishing Process (part 1 of 2)

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In science, there always has to be a process. Science occurs in the sequence of questioning, researching, experimenting, documenting, and concluding. Like in any scientific process that uses the scientific method, magazine publishing also has its own simplified version -- production and distribution. I wouldn't call it a vicious cycle because of the way the magazine's content reinvents itself, but it is still a cycle in itself. This is proven by the continuous racks of magazine stands that fill up every week and every month.

Production: The Perfect Bind

The models, editors and photographers have done their job. Now the pages are laid out and completed. Without the right finish to the product, they will be nothing but tattered pages of words and pictures. It is time to turn these pages into a magazine.

The different sections of the magazine are printed out separately. Some are in black and white, others in full color. It all depends on the editor's preference.

After this, there are two ways by which a magazine's sections can be bound together. It could be done through saddle-stitching or perfect binding. Saddle-stitching does not use thread or any weak material. It is done by stapling the center fold within the magazine's cover page. This is often used for magazines that don't have a lot of pages and don't need heavy duty material to bind the pages together. If staple wire is too weak to put the sections together, then a spine is made by gluing one end of the pages together. This is called perfect binding and is used for thick magazines such as Vogue and Cosmopolitan.

iPhone Applications for the Health Conscious (part 2 of 2)

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Another great application is called 2Fat. This application will allow you to estimate body fat as well as your body mass index. All you need to do is put in your weight, gender and waist measurement and the application will be able to calculate and estimate the amount of body fat you have in your body as well as your body mass.

Epocrates Rx is another interesting application that you can install in your iPhone. This particular application will allow you to get information about 300 different types of medication and also its dosing, its pharmacology, as well as its adverse reaction. You can even look up its price. With this application, you will be able to identify any medication that you may have forgotten about as it will have pictures of the medication in order for you to further identify it. This is very useful in order for you or your family members to avoid dangerous combination of different drugs.

The Weight Tracker is another iPhone application for the health conscious. This particular application does what it's named. It will allow you to keep track of your weight and can serve as a tool for motivation for you to lose weight. This application will also allow you to send the information to a website in order for you to see your progress in the gym as well as your dieting.

Another iPhone application that will help you with your dieting is the Restaurant Nutrition. The results may scare you but you will be better informed about what you are eating especially if you eat fast food.

These are some of the applications that you can install and use in your iPhone. With these applications, you can be sure that you will be able to keep track of your health and make sure that you are living and eating healthy. There are a lot more applications that you can download and use in your iPhone.

Whatever it is you are looking for, you can be sure that you will be able to find it.

iPhone Applications for the Health Conscious (part 1 of 2)

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The Apple iPhone is now one of the most popular devices today. Ever since it was introduced in the market, people started going crazy about them and up until today, people still want one for their own. Besides, with the iPhone, you will be able to combine a multimedia player with a mobile phone. With it, you will not only be able to communicate with your family and friends, but you will also be able to keep yourself entertained by listen to your favorite music, watching your favorite videos or movies, as well as play with your favorite games.

These are only the beginning of the many things that you will be able to do with your iPhone. In fact, you can even personalize your iPhone to your preferences by adding some of the cool applications available for iPhone. All you need to do is download it from the internet and install it in your iPhone. You can download the applications from iTunes or you can search for what you want in other iPhone application download websites.

If you are concerned about your health, you will see that there are quite a lot of applications that you can install and use in your iPhone. With these applications, you will be able to monitor your health and even your weight if you are on a diet or you are working out.

One type of application that will be able to let you know about your health is called the PointsCalc. This application will be able to allow you to estimate nutritional value. All you need to do is enter the calories, fat, fiber and other nutritional value of a particular food and it will tell you about its nutritional value. The great thing about it is that you don’t have to go online to find out about the nutritional value of a food.

Impact of Internal Branding In Your Marketing Efforts (part 2 of 2)

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Benefits of Internal Branding

Aside from unity in your company's vision towards what you want to achieve with your brand, internal branding offers more benefits. If you are not aware of the potential benefits that internal branding offers, these are just a few ways that it can help boost your brand's campaign:

• Internal branding produces a healthy working environment and cohesive working culture. Once all employees understand the vision behind the brand, all components of the company are now geared towards the same goals.

• Internal branding produces a more consistent branding message. Once your brand have established a given brand reputation, your employees will be proud to represent your company while at the same time be challenged to meet its set of standards.

• Internal branding serves as an avenue to push for change.

• Internal branding develops your brand identity.


Basic Priciples

If you want to create an effective internal branding system, every company must give attention to the following set of principles:

1.) Give freedom not control. An effective internal branding management is one that emphasizes a set of rules that are agreed on by the employees, so they could genuinely contribute to the advancement of your brand.

2.) Decentralize. Learn how to trust your employees to deliver the quality your brand deserves.

3.) Communicate your company's message to the personnel first before the customers. How do you expect your employees to deliver the type of standard you want to achieve if they do not have proper understanding of the company's objectives?

4.) Synchronized operation. You need to be able to pull together different departments of the company so that everyone works at the same pace and perspective.

5.) Think long-term goals. No brand is created overnight. Therefore, you need to create that mindset in your personnel that enables them to think of the long-term impacts and effects of an effective internal branding system.

Impact of Internal Branding In Your Marketing Efforts (part 1 of 2)

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About Internal Branding

Most companies focus entirely on promoting their brand to create a positive perception on the consumer's brand that internal branding loses its share of the formula. An important share, at that. Marketing efforts are executed to establish a high-quality brand that delivers to the needs and demands of the consumers. But how do you ensure that you are delivering up to the standards of your company? This is where internal branding comes into play.

To attain good quality products and services for your brand, you need to take care of your business' internal processes first. Internal branding is about the focus you give on ensuring that practices and methods utilized in the creation of products or services meet your company's set of values. Branding must be done inside and out. You need to be able to reproduce these values in the mind of everyone who is a part of the organization so you can naturally promote your brand.

How Do You Achieve It?

You cannot produce a good marketing message to the public unless you start from within. That is something every business owner need to realize. Therefore, you need to learn strategies as to how you can effectively execute a sound internal branding system to ensure a cohesive take on developing a brand that will satisfy your potential customers.


Here's how you can do it:

• Gather together all of your development team work together in the development and creation of the brand to ensure that all methods are synchronized with your values and set of objectives laid out by the company.

• When hiring employees to work with you, choose those that are aligned with the corporate values of your company. Having the right set of skills will enable you to achieve the most effective brand representation you desire.

• Keep internal communication lines open at all times. This will enable you to reinforce and enhance whatever existing values that are being executed to meet the promise of your brand. If you keep nurturing this in the mind of the employees, then they will be able to develop that soon enough.

Dressmaking As A Viable Business Venture (part 2 of 2)

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How to start growing a home dress making business  

Dressmaking is indeed one of those industries that can offer almost limitless opportunities. As long as you don’t run dry out with ideas and creativity, you can find your place in this ever-growing industry. If you are planning to start a dressmaking business, one of the most important things to consider is the uniqueness of the needlework and services you'll be offering.

Since there are so many dressmaking businesses today that specialize on different types of clothing, having a unique concept for your business will increase the chances of its success. To achieve this, explore the different possibilities of the type of dressmaking you specialize on.

You can opt for "custom dressmaking" if you love making clothes for individuals who have different needs and demands using patterns, "custom designer" if you have mastered enough skills in designing different styles of clothing, " dressmaking for weddings" if you have an eye for creating the gowns and accessories needed for the bridal events, " dressmaking for the home" if you are fond of making decorations for home like curtains, pillow cases, tablemats and the like, "sewing crafts" if you specialize in creating different crafts such as toys, bags, and the like, "alterations" if you are into clothes repair, and "sewing for pets" if you love creating clothing and other accessories for animals.

After coming up with a great concept, it's now time to consider the basics of dressmaking as a start up business such as costing for the materials and tools you'll need, pricing for the services you'll offer, calculating your potential earnings or sewing income, and your strategies to get as many paying customers as possible.

These considerations are very important because you can use these as a guide in determining the success of your dressmaking business. Make sure that you think of all the considerations very well before you finally engage in a business such dressmaking.

Dressmaking As A Viable Business Venture (part 1 of 2)

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Did you know that aside from being a wonderful and rewarding pastime activity, dressmaking could be a profitable business for you even if you are at home? This is because it can enable you to get customers that have various sewing needs for their clothes, homes, offices, and other areas that need to be addressed.

For those who are just beginning or those who have plans of doing so in the future, tools and accessories would be so important to be successful. These important tools for starters in dressmaking include sewing machines, dressmaking materials and resources such as books, magazines, DVDs, and CDs, cutting tables, dressmaking and pinking shears, irons and ironing boards, rotary cutter sets, various sewing kits, and different kinds of sergers would be a great help. This is because these tools and references can give you an idea where to start and how to start with your dressmaking process.

Once you are confident that you can handle not just your own dressmaking needs but of others as well, you can now start advertising your very own dressmaking services. Compared before where people who are into dressmaking business have difficult time managing their business due to lack of efficient tools, sewers today are lucky because the modern technology offers a lot more advanced tools and gadgets they can use to make sewing easier, faster, and more convenient.

Body Language: Romance And Signs of Attraction (part 2 of 2)

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Difference Of Men And Women

Compared to men, women can send signals of attraction five times stronger. They have more flirting habits than men and most of them are done intentionally. They love to preen, play with their hair, tossing the hair over the shoulder, and play something with their hands such as a wine glass. Most women are also quite good in seduction and teasing men, especially when they involve their lips. Biting and licking their lips, putting on lipstick, eating or drinking slowly are the usual moves of an interested woman.

Meanwhile, men usually try to appear masculine to show their prowess to the women they like by giving them a look at their full length. They would try to stand taller, square their shoulders, and sometimes hook their thumbs into the belt for that macho aura. They also unconsciously touch their ties or collar, and this means they find you irresistible.

Signals Of An Invitation

You would determine if a person likes you if he or she would give the following signs: prolonged aye contact, raising of eyebrows, smiling back, laughing with you, leaning, closing the distance, imitation of actions of the partner, touching, preening, and the like. If you received these signs, it means there is a big possibility that you could take your interaction to a higher level.

Signs Indicating “No!”

A person is most likely not interested when he or she never glances back at you. You can also determine that person is starting to get bored or uninterested in you when his or her eyes start to wander, sigh, yawn, have a passive or neutral facial expression, and the like.

The signals of body language in terms of romance and attraction are easy to detect if you know how to interpret one's actions. Understanding gestures and body movements of another person can definitely help you know in advance if you can be intimate together or be rejected.

Body Language: Romance And Signs of Attraction (part 1 of 2)

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How can a person show his affection to another person without telling him or her? And how can one know that he or she is indeed attracted? Body language. One's body language is an obvious way of telling someone how he feels and what he wants to say. Your eyes, facial expressions, and body movements can truly express that you want to engage in a romantic or intimate relationship with another person.

What The Eyes Could Say

The eyes are strong indicators of romance and attraction. They can express, flirt, and even seduce much more better than words. Eye contact may not mean anything if it only happens briefly. But once it lasts longer and with an intense look, he or she is definitely into you. Winking will also work, but it does requires right timing. Another strong evidence of attraction is when one would catch your eye, then look away, then back at you again. But, if he or she would look away and never look back again, it is a clear sign that he or she is not interested.

Smile And Facial Expressions

The smile is one of the greatest sign that he or she likes you. It means that he is truly interested, comfortable, and enjoying. But make sure you know how to determine a forced smile from a sincere one. Raising the eyebrows, although unconsciously done, has also been observed to be done by people flirting with each other.

Magic Of Touch

Sometimes, leaning towards another is just not enough. Closing the distance is much better. A light tap or stroking of the arm could send electric signals to another person. Most of people would pretend that there is a smudge on the face or lint on the clothes just to have a reason to touch.