Paypal VS Merchant Account Provider?Written by Ben Cloutier
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An example of these fees is Paypal charges 2.9% so lets say you process $10,000 a month they charge you $290 for a discount fee... our select partners only charge $166 - $249 depending on your business. Your still saving at least $40. Check out our site and our guide will be able to help you. http://www.merchant-account-info-zone.com
Ben Cloutier President Merchant Account Info Zone
| | 33 Essential Year-End Financial TasksWritten by Scott P. Frush
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3.MAXIMIZE RETIREMENT CONTRIBUTIONS: Consider increasing contributions to your retirement account – 401(k), 403(b), IRA or other, if permitted. The compounding impact from increased contributions will become quite sizable over time. Take full advantage of employer matching. 4.ESTABLISH AN EMERGENCY FUND: An emergency fund is used to protect against a loss of income as a result of layoff, disability or death. As a general rule, your emergency fund should amount to between three and six months of your average monthly expenses. 5.CONSIDER BUNCHING ITEMIZED DEDUCTIONS: If you are close to benefiting from itemizing your deductions, consider "bunching" them in alternating tax years. One year you itemize deductions - and benefit from excess itemized deductions over standard deduction - and next tax year you take standard deduction. 6.DRAFT OR MODIFY ESTATE PLANNING DOCUMENTS: Having an estate plan (will, living will, trust, power of attorney, etc) is essential for avoiding probate, minimizing estate taxes and ensuring assets go to whom you designate. 7.MAKE TAX-EFFICIENT CHARITABLE GIFTS: Making gifts of highly appreciated assets, namely stocks, can be very beneficial by reducing your tax bill. In most cases, taxpayers benefit by obtaining both a charitable tax deduction and avoiding capital gains tax on highly appreciated asset.With end of year fast approaching, it is crucial that you address your personal finances and complete certain essential tasks, especially those with deadlines. Remember, managing your personal finances always begins with you. To obtain your copy of 33 Essential Year-End Financial Tasks, order online at www.FinancialBooklets.com or mail $4.75 to Marshall Rand Publishing, P.O. Box 1849, Royal Oak, MI 48068-1849.
Author Scott P. Frush, CFA, CFPâ, MBA is president of Frush Financial Group, a provider of investment solutions to individuals and families, and author of Optimal Investing: How to Protect and Grow Your Wealth with Asset Allocation (www.Amazon.com). Frush holds an MBA in finance from the University of Notre Dame and a BBA in finance from Eastern Michigan University.
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