Work Relationships Matter




I find it amazing, how discussions can lead to ideas for my blog.
We all need to feel great at work and establish solid relationships with our colleagues, managers and bosses.
Having said that, there is a fine line. You cannot mistake work relationships as personal. Don’t get me wrong. There are true, deep and long lasting friendships being born from your work environment.
But you have to understand your environment, always be respectful, and never “demand” social inclusion.
Not being included in events outside work, does not mean that you are not liked at work or not respected. Believe in yourself, don’t be “short”, don’t take work related issues personally.  NEVER be sarcastic and ask why you were not included. This is plain rude, and shows insecurity.

IF you feel left out, then sit and think really hard if you are as giving, as collaborative and as helpful at work as you should be. If the answer is YES, then know that : This is NOT personal. This is work.

IF some of your truths say NO, then try to change your attitude, be more of a team player, try to do good every day.

IF you start a true friendship, NEVER cross the line, NEVER ask for personal favors, NEVER put your newfound friendship in an awkward position by taking liberties at work. Work is work, friendship is friendship.
Do not muddle those two.

My advice is:
Stay true to your values, be respectful, respect others no matter their position on the corporate ladder, always offer a helping hand, be compassionate, know how to say thank you, and always apologize honestly for a mistake or faux pas. We are all human.

Do not start disliking colleagues for non inclusion outside of work.
We all have our social circles.
This doesn’t mean that you are “hated”.

Grow up and believe in yourself and abilities. After all, you were hired for a reason. Find this reason in your heart and go for it with all your passion, hard work and team spirit!




Starting a business? Be honest

There is no such thing as becoming a millionaire by “selling” stuff that are owned by other companies on platforms like Amazon, eBay, Facebook etc.


Victims of Employment Scams Speak Out


Have some pride. By re-selling another company’s products without permission, you are in very blunt terms a thief.

By trying to scheme a company with different email addresses, names, IP addresses, you will win nothing. Have some pride, have some honesty.

Ask any company to become a certified re-seller and you are in business. Work hard for your goals, but learn that by flying on another’s wings you have nothing to be proud of or win.

You are unethical, you don’t play by the rules and in the end your prospective buyers will see right through you. Can you provide the same services the company you “steal” from does? Can you look your buyers in the eye and tell them that you are running a reputable company that strives for honesty, customer service and a great product?

All of you wanna be re-sellers out there, listen to me. We know you. We shut you down left and right. Stop wasting your time defrauding companies and show the world that you have integrity.

Find your own stuff to sell, or contact companies and ask officially to connect and work together.



Life and Career



Is telecommuting dead? Don't count on it, experts say

You are tired. Your life is hard. You have personal problems.
You are not alone.
Everyone has one or more issues in life.
This doesn’t mean that you are allowed to bring this baggage with you at work.
There is a savoir-faire and a code of behavior, no matter where you work, or what you do in life.
I have been in the Corporate sector since 1978, and have slowly but steadily created my own “Ten Commandments”. If you follow these rules, you can only succeed.
Try them out. What do you have to lose?

1. ALWAYS come to work early and with a smile on your face.
2. ALWAYS give 110%. Don’t wait for others to tell you what to do. Be proactive.
3. SHOW your superiors that you are interested. Genuinely interested.
4. DO yourself a favor and learn Time Management. It’s a priceless tool to organize your daily tasks, and workflow.
5. NEVER make personal announcements in front of all your colleagues. Personal information might make others uncomfortable and is usually inappropriate, unless you announce that you are getting married… You get the point.
6. WORK. Don’t waste your employer’s and your time by getting up and moving around your company every 10 minutes.
7. NEVER say you completed a task unless you actually did.
8. RESPECT your job, RESPECT yourself. Show some passion and enthusiasm.
9. Always help where help is needed. As your company needs you for the work you were employed to do, so do you. Without your employer you would have no work and so no income.



A guide for Chargeback Code Reasons

Visa MC

This is a helpful list of chargeback codes.

**Visa Chargeback Codes**

  • 30 Services not provided or Merchandise not received
  • 41 Cancelled recurring transaction
  • 53 Not as Described or Defective merchandise
  • 57 Fraudulent multiple transactions
  • 60 Requested copy illegible or Invalid
  • 62 Counterfeit transaction
  • 70 Account number on exception file
  • 71 Declined authorization
  • 72 No authorization obtained
  • 73 Expired card
  • 74 Late presentment
  • 75 Cardholder does not recognize transaction
  • 76 Incorrect transaction code
  • 77 Non-matching account number
  • 79 Requested transaction information not received
  • 80 Incorrect transaction amount or account number
  • 81 Fraudulent transaction (Card present)
  • 82 Duplicate
  • 83 Fraudulent transaction (Card not present)
  • 85 Credit not processed
  • 86 Paid by other means
  • 90 Services not rendered (ATM or Visa travel/money)
  • 93 Risk identification service (RIS)
  • 96 Transaction exceeds limited amount

**MasterCard Chargeback Codes**

  • 4801 Requested transaction information not received
  • 4802 Requested / Required information illegible or missing
  • 4807 Warning bulletin file
  • 4808 Requested / Required authorization not obtained
  • 4812 Account number not on file
  • 4831 Transaction amount differs
  • 4834 Duplicate processing
  • 4835 Card not valid or expired
  • 4837 No cardholder authorization
  • 4840 Fraudulent processing of transaction
  • 4841 Canceled recurring transaction
  • 4842 Late presentation
  • 4846 Correct transaction currency code not provided
  • 4847 Requested/Required Authorization Not Obtained and Fraudulent Transaction
  • 4849 Questionable merchant activity
  • 4850 Credit posted as a purchase
  • 4853 Cardholder disputes – Services / merchandise defective or not as described
  • 4854 Cardholder disputes – Not classified in other category (US cardholders only)
  • 4855 Non receipt of merchandise
  • 4857 Card activated telephone transaction
  • 4859 Services not rendered
  • 4860 Credit not processed
  • 4862 Counterfeit Transaction – Magnetic stripe POS fraud
  • 4863 Cardholder does not recognize – potential fraud (US Only)
  • 4870 Chip Liability Shift
  • 4871 Chip/PIN Liability Shift
  • 4999 Domestic Chargeback Dispute (Europe Region Only)


Chargebacks vs Refunds


Do you know the difference between chargebacks and refunds?
Do you know the importance of this difference for your company’s financial reports?
Do you know which companies have refunds AND chargebacks and what the difference is?

A chargeback comes with a fee, usually around $20 per chargeback.

A dispute or a claim is simply a refund of a sale, without any added fees.
PayPal and Amazon give those two options.
Shopify does not… These are just a few examples.

Does your back end/platform have the necessary reporting structure?

Does your back end/platform have the necessary structure to stop fraudulent transactions for manual review before you capture payments?

I am starting a series on this subject and will start giving you information that is critical to any company that sells online, whether tangible or intangible goods.

If you need help or don;t know how to set up your company to deal with those issues, simply email me, stockmalm at gmail.com.


Το χρέος

ο Γιώργος Χουδαλάκης

H EIKONA του καταβεβλημένου Aκη Τσοχατζόπουλου δικαιολογεί την οριακή απόφαση για την αποφυλάκισή του. Ο άλλοτε πανίσχυρος υπουργός χρειάζεται φροντίδα που δύσκολα θα μπορούσε να έχει ως έγκλειστος στον Κορυδαλλό. Ομως, το γεγονός ότι ο ίδιος αποτελεί σκιά του παλιού εαυτού του δεν αποτινάσσει από πάνω του τις σκιές του παρελθόντος. Η έξοδος από την φυλακή με δόσεις love story καθώς και το πρώτο πρωινό ελευθερίας, προβλήθηκαν διακαναλικά.

«Δικαιολογημένο» σε μια χώρα που καταναλώνει αμάσητες μεγάλες ποσότητες life style. Εντελώς αδικαιολόγητες, όμως, ερωτήσεις για το «αν αισθάνεται δικαιωμένος». Αδικαιολόγητο και ο καταδικασμένος για μίζες Τσοχατζόπουλος να εξοργίζεται με ερωτήσεις για το πώς βρέθηκαν τα 200.000 ευρώ για την εγγύηση. Με διάθεση πολιτικής ρελάνς έδειξε ως υπεύθυνους για την «ταλαιπωρία» του τους Κώστα Σημίτη και Γιώργο Παπανδρέου. Αν έχει να πει, ας φανερώσει έστω και με καθυστέρηση όσα γνωρίζει. Ετσι θα αποπληρώσει το απλήρωτο χρέος της αποκάλυψης όλης της αλήθειας προς τους πολίτες που τον εμπιστεύτηκαν καθιστώντας τον πολιτικά πανίσχυρο.

ΥΓ.: Είναι χρέος κάθε ανθρώπου να δώσει πίσω στον κόσμο τουλάχιστον το ισοδύναμο αυτού που έχει πάρει από αυτόν.


Gratitude and Ego


, , , , , , ,

Personal growth goes a very long way.
A lot of people get stuck behind their ego, never move on in life, “hate” situations and never forgive and forget. They keep carrying grudges, filter the world around them through a warped lens, and live in a very definite space that makes them unhappy whether they realize it or not.
In the business and career world, personal has absolutely nothing to do with professional. Good manners, positive attitude, leaving ego aside, does not even come to the picture for those people.

Imagine landing the job of your dreams, and still feeling miserable because the whole world is against you, or so you think. This affects your performance, your communication with colleagues, bosses, team members and believe it or not your own family.
It is really so simple to live and let live, to let go. The past can only serve as lessons learned. If we use the past to dictate our attitude toward life and people around us, all we can do eventually is lose everything.

Our journey on this planet is minuscule. Before we know it, life passes and we are stuck in our 60’s, 70’s and live in regret.

I will ask one question that I kept asking in the seminars I used to teach: Someone calls you stupid. You hear the sound that these words make. Do you let it get in? Does this define who you know you are?

Your “person” your “ego” do not belong in any equation. Neither in your professional, nor in your private life.

Every human being is different, makes mistakes, learns, and moves on. By getting glued on what ifs, on past situations that can no longer be changed, on grudges, you only hurt yourself and take others down with you.

Conclusion: Live every moment in harmony, see others for who they are, never judge, never assume and never be passive aggressive. Neither your career nor your life can become better.

Last question: Which is better? Living a miserable lonely life, or being part of this huge community that is called life, enjoy all the curves and ups and downs, and keep going. Fall in bed every night knowing that you have given the world and those around you the very darn best that you can EVERY SINGLE DAY!

This will only give you back loyal friends, colleagues, a happy family and great success at everything that you do.




WE ARE CONSTANTLY BEING SPAT ON! ‘FTISEEEEEEE!!’ (Spit!) You hear it constantly! Spitting for the Greek culture is a way of detracting any form of evil presence, taking the jinx off something and b…



Boosting your Business


, , , , ,

I have met lately a lot of people really confused by all the Social Media hype, the marketing webinars, and are at a total loss.
I am not talking about the young person who wants to start a career as a blogger and tries to monetize a blog and swims in the depths of webinars.
I am talking about Business owners that are not in the tech industry.
Chiropractors, businesses that offer services, shops that need more clients, whether they are spas, beauty salons, etc.

There is a pretty simple formula that can help your business. All you need is to learn the basic ropes, and then follow up. Don’t be afraid of the big bad web. If you learn how this all works in a few easy steps, you will see results.

Contact me and I will create a complete package for your business, show you how it all works and what it all means.

We all need our business to succeed, we all need to receive the best for what we offer.

I am waiting for your email, call, Facebook message. Whatever works for you.

I am here to help untangle the mental blocks, and take the fear away of the unknown.