While payment services normally have reduced fees, they do have higher "per transaction" costs so you'll have to do some math to find out if this is a good idea for your business. Just take an "average" invoice amount from a sale and multiply it times 12 to get a base total to work with. Now, add in your 12 months worth of fees for statement, monthly access, discount percentage, per transaction cost, etc. This is your "example" total. Do same with several payment services using their costs to see which one, over time, would be less expensive for you.

If you were paying a $15 statement fee, $20 monthly fee, 3% + $.35 per transaction and $25 monthly gateway fee, your annual expenses would be $742.20 for an average transaction of $50.00. Your annual fees for a payment service with 3.5%, $1.00 per transaction and a one-time $50.00 set up charge would only be $83.00 per year. [Savings of $659.20 per year.]

3) Re-evaluate Your Long Distance Costs - Competition is small business owner's friend! With hundreds of long distance companies out there, you can drastically reduce your charges instantly. Again - use 'Net to search for inexpensive long distance service. A business owner I know changed from a MCI "program" to one of those 10-10 companies and reduced her per minute charge from $ .07 to $ .05. Depending on volume of calls you make, some programs offer rates as low as $ .03 per minute. [Estimated savings of $20-$30 per year for 1,000 minutes.]

From just these three little things, we've saved an estimated $802.60 per year. That's enough to make anyone's spreadsheet sing! Go through your list of costs and you will most likely find other expenses that can easily be reduced with a bit of research and a phone call or two.

1. Is writer a recognized authority on subject covered?

2. Did writer have a motive in writing book other than imparting accurate information? what is motive?

3. Does writer have a profit interest in subject covered?

4. Are there easily accesible sources to check and verify writers statements?

5. Do writers statements harmonise with my own common sense and experience?

The habit of believing something on basis of little or no evidence is a major human fault to be avoided especially with over abundance of information that is so readily available.

Success is always an internal thing and external trappings are symbols of what has first taken place at an internal level. If you really want your business, either offline or online, to be a success you will always find a way to make it work. With motivation and a big enough reason you become unstoppable.

Goals are what you want, outcomes are what you create. Setting outcomes is key to taking your insights and resources, forming a plan of action and setting out to achieve what you truly want.

Some common areas that prevent people from succeeding are:

1. Inability to manage their finances well.

2. Making bad choices for themselves.

3. Being incapable of taking personal responsibility for their life or their actions (or inactions).

4. They do not know how to set outcomes for creating what they want.

5. They are lazy and would rather procrasinate than take necessary action to ensure success.

Unless you act, outcomes remain nothing more than dreams. It is like person who say's "I am a writer" but never actually writes or completes any writing projects they have undertaken. There are also people you simply love idea of an interenet business but are not prepared to follow through with all that will be required for them to turn ideas into financial profits.

There is a saying "the past does not equal future" Determine what it is you truly want and where you are going then you will be truly unstoppable with biggest success stories yet to happen in such young internet business environment.