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24 " Avoiding Chargebacks" Depending on the type of business, the frequency of charge backs will be higher for some businesses and more difficult to defend. Learning15 the proper way to handle a customer chargeback will help the owner and reduce the frequency. Having to pay charge backs can be very costly to the business owner resulting in losses. It could also be very discouraging to a new business owner knowing that he has to pay a penalty, as well as refund services rendered.It would be a good idea to be aware of the things about which your customers complain frequently and make it a goal to correct, improve, or remove it. It would be very unfortunate to learn of a damaging remark about your operation made on the Internet, rather than face- to- face.Make it a point to inquire of your customer whether he was dissatisfied. Make conversation with your customer and if the customer has a complaint, make every effort to resolve it as soon as possible. Charge backs could get very costly and sometimes settling the dispute with the customer could save you money. However, there will be times when the refund should not be given or attempts to settle this on the spot should not be made. The business owner will have to use his own judgment.Jesus counsels us to “Love your enemies, do good to them which hate you, Luke 6:27, (KJV).” No doubt some business owners will have difficulty doing this when the occasion arises, and some may have learned that this is the way to go. But, I encourage you to try this. As you do more and more business, you will find this to be a very necessary way for you to resolve conflicts in your business. It will be easier to do this than to resist, as Jesus said in Matthew 5:25 (KJV), “Agree with thine adversary quickly whilst thou art in the way with him.; lest at any time the adversary deliver thee to the judge, and the judge deliver thee to the officer, and thou be cast into prison.” Being cast into prison may be an extreme outcome, but we can avoid further conflicts if we would just humble ourselves and strive to resolve our conflicts. If it is any consolation, there are rewards for acting with love. Luke 6:35 says, “But love thee your enemies and do good and lend, hoping for nothing again; and your reward shall be great, and ye shall be the children of the Highest: for he is kind unto the unthankful and to the evil.” As one can see, business owners have a higher degree of responsibility because of the number of people with whom he/she interacts. "

35 " For the first time I understood the dogma of eternal pain -- appreciated " the glad tidings of great joy." For the first time my imagination grasped the height and depth of the Christian horror. Then I said: " It is a lie, and I hate your religion. If it is true, I hate your God." From that day I have had no fear, no doubt. For me, on that day, the flames of hell were quenched. From that day I have passionately hated every orthodox creed. That Sermon did some good.In the Old Testament, they said. God is the judge -- but in the New, Christ is the merciful. As a matter of fact, the New Testament is infinitely worse than the Old. In the Old there is no threat of eternal pain. Jehovah had no eternal prison -- no everlasting fire. His hatred ended at the grave. His revenge was satisfied when his enemy was dead.In the New Testament, death is not the end, but the beginning of punishment that has no end. In the New Testament the malice of God is infinite and the hunger of his revenge eternal.The orthodox God, when clothed in human flesh, told his disciples not to resist evil, to love their enemies, and when smitten on one cheek to turn the other, and yet we are told that this same God, with the same loving lips, uttered these heartless, these fiendish words; " Depart ye cursed into everlasting fire, prepared for the devil and his angels." These are the words of " eternal love." No human being has imagination enough to conceive of this infinite horror.All that the human race has suffered in war and want, in pestilence and famine, in fire and flood, -- all the pangs and pains of every disease and every death -- all this is as nothing compared with the agonies to be endured by one lost soul.This is the consolation of the Christian religion. This is the justice of God -- the mercy of Christ.This frightful dogma, this infinite lie, made me the implacable enemy of Christianity. The truth is that this belief in eternal pain has been the real persecutor. It founded the Inquisition, forged the chains, and furnished the fagots. It has darkened the lives of many millions. It made the cradle as terrible as the coffin. It enslaved nations and shed the blood of countless thousands. It sacrificed the wisest, the bravest and the best. It subverted the idea of justice, drove mercy from the heart, changed men to fiends and banished reason from the brain.Like a venomous serpent it crawls and coils and hisses in every orthodox creed.It makes man an eternal victim and God an eternal fiend. It is the one infinite horror. Every church in which it is taught is a public curse. Every preacher who teaches it is an enemy of mankind. Below this Christian dogma, savagery cannot go. It is the infinite of malice, hatred, and revenge.Nothing could add to the horror of hell, except the presence of its creator, God.While I have life, as long as I draw breath, I shall deny with all my strength, and hate with every drop of my blood, this infinite lie. "