If you want to get highest possible consistent return on your spending, you must maintain a focused, dynamic budget. This means you must concentrate your spending, track results, and then be ready to change your budget for next period to reflect your analysis of previous month's outcomes. Do not shift from service to service during same budget period. This will only obscure your results.

Joining a group of people who want to work at home is one of best ways to artificially shape your budget model faster. You can find hundreds of these groups on Internet alone; and in each of these groups, you will find people who are more experienced than you are, have tried some of things you plan to try, and can tell you what has and has not worked for them. If you want to maximize your spending, this is one of best places to start. There is no better resource than real, live people, who have succeeded in your field and are willing to tell you how you can do same.

In summary, working at home offers opportunity-seekers flexibility and unlimited income possibilities, but if you do not apply correct business model to control your spending, your statistical chance of succeeding is low. If you do following things, you will succeed:

1. Keep a dynamic, focused budget. 2. Remain patient. 3. Track your results. 4. Find mentors and friends in your field to help you.

Remember: You can go broke at home or you can retire early working from home. The choice is yours: be patient and economical and you will see results; or act spuriously and reap failure.

If check was returned "account closed", you may have a criminal case depending upon when account was closed. If account was closed before date check was written, you definitely have a criminal case. If account was closed afer check was written, court may determine that you didn't present check for payment in a timely manner. In that case, you have a civil matter, not a criminal complaint.

If check was returned because of a "stop payment", you have a civil matter. Some people try to save time and work by filing a crime report for ANY check that doesn't clear. This can result in individual who gave you check being arrested. They may miss work and encounter a host of other problems as a result of your FALSE crime report.

I said FALSE crime report, because an individual who puts a stop payment order on a check almost always does so because of dissatisfaction with a product or service. The accused individual is now in a position to countersue for problems caused as a result of your FALSE crime report. This could end up costing you a lot more than value of check.

Sooner or later every small business operator will receive a bad check. The first thing to do is politely contact individual and give them opportunity to make check good. If that doesn't work, many people try to save time and work by filing a crime report regardless of why check didn't clear. It's very important to determine why a check didn't clear before deciding on a course of action.

Disclaimer: Stephen Bucaro is not engaged in rendering medical, legal, accounting or other professional service. If legal advice or other expert assistance is required, services of a competent professional person should be sought.

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