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Keep Business and Personal Finances Separate (Bank of America Coupons insid
2008-02-14 21:13:00
Small scale business people may often have problems managing finances. While most of the money they used to kick off came from their savings, most of their personal funds now come from their businesses. Financial management is really a tough thing to do. But although it’s a given that business and personal money are often be intertwined (especially in the case of a home-based business), it is necessary to keep them separate. The best thing to do is look at business as one entity and home as another. This works better, not just on the personal standpoint, but also on the financial one. There are top 5 reasons why:Your business is a hobby - There are several federal and state government policies that stipulate only businesses are allowed to deduct business expenses. Now let's say your business is more of a hobby and not a means to make considerable money. You may have a difficult time telling the government that you are indeed running a business and not a side hobby. Many business...
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Financial freedom, no matter how much money you make!
2008-02-11 13:06:00
You do not need to be rich to achieve financial freedom. Financial freedom is simply living debt free and organizing your money so that when the bills are due, you have the money set aside to pay them.Most people believe that a budget is for people who don’t have much money, and it also tends to make people feel restricted in their spending. Nothing could be further from the truth!A budget is simply a spending plan. Most people like to spend money, so let’s use the word “spending plan” and leave the word “budget” behind us.A properly used spending plan will provide a person or family (with even a modest income) a true sense of financial freedom. I am experiencing an awesome sense of freedom myself since I have put my own spending plan into place about two years ago.What I am talking about is this sense of freedom that you get when the mortgage comes due and you have the money already set aside; when the kids have to go back to school shopping and the money is there wait...
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8 Steps to setup a Business Paypal Account
2008-02-07 01:16:00
After reading the book How Come That Idiot’s Rich and I’m Not? I'm totally committed to setting up my own business. One of the requirements for that is to have a business account with someone like Paypal , because its very easy to handle all your online invoicing and payments.Paypal is secure, reliable and most important of all - easy to use.Here's how to set up a Paypal account for your business.1. Print out these instructions2. Click here to Set Up Paypal Business Account 3. Scroll down and click where it says: “sign up today”4. Choose whether you want a personal, premier or business accountIf this account is for your business, you should choose Premier Account or Business AccountHere’s the only difference: a Paypal Business Account allows you to set up the account under your business name. But you need to have a business bank account and wait for your Paypal Business Account to be approved.If you don’t have a business bank account but you want your Paypal account unde...
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Carnival of Everything Finance: # 12 Edition
2008-02-03 14:45:00
Welcome to the February 1, 2008 edition of Carnival of Everything Finance .We had over 120 really good articles submitted for this edition. Unfortunately I could not include all of them.Earning MoneyMatthew Paulson presents What to Do When You Can’t Afford to Pay for College Anymore » American Consumer News posted at American Consumer NewsNadege presents How to get a raise at your current job posted at fabulous financesSarah presents The Girl's Guide to Kicking Your Career into Gear posted at SARAHSPYTim Gary presents Are Your Customers Just Fresh Meat? posted at Internet Success BitesSteven Lohrenz presents 4 Reasons To Go Into A Make Money Online Biz posted at Steven LohrenzEd Rivis presents CRM & Business Rule 101. posted at Ed Rivisthe simple nickle presents Work Hard + Work Smart = Wealth and Success posted at the simple nicklewilson ng presents Its not the Brain, its the Stomach posted at Reflections of a BizDrivenLife6=-Raymond presents My Favorite Reward Credit Cards...
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How Come That Idiot’s Rich and I’m Not?
2008-02-01 15:21:00
When I started reading the book, my first impression was: So here's another book that will tell me that I can buy real estate for "no money down", how I can make 6 figure passive incomes etc. I was right...but Robert is not telling you to give up your day job. All he is saying is that to become a Rich idiot, START NOW! Take action NOW! Accumulate cash, buy a home for your primary residence..then think of buying investment properties. Buy stocks/mutual funds, invest $100 to start but don't wait! . Start a business, it can be part time!The 4 biggest assets that a Rich idiot accumulates is CASH, REAL ESTATE, STOCKS and BUSINESS!I can totally relate to that. Most of us have some cash, own a home, buy some stocks, but very few of us really own a business.I have been thinking about it for a long time and what this book did for me is to give me that final push!I recommend this book to individuals who need that FINAL PUSH !Book Description (Amazon)Bestselling author Robert Shemin reveals...

10 Easy Ways to Save Money on Your Wedding without Being Tacky
2008-01-31 08:04:00
This is a guest post by Heather Johnson1. Wear someone else’s gown: Ask your mother, grandmother or other family member if she’ll let you wear her dress. She will most likely be honored that you asked, and you will save valuable time and money spent looking for a gown. Though you might have to get it altered or updated a bit, it will only be a fraction of the cost of buying a new dress.2. Wear family jewelry: You don’t need to spend lots of money on wedding jewelry when someone in your family probably has something nice for you to wear on your big day. This saves you money buying jewelry just for your special day and eliminates “something borrowed” from your to-do list.3. Shop at internet wholesale florists: Take your comparison shopping outside your local area by checking out prices from internet wholesale florists who often stock more varieties of flowers in greater supply.4. Simple centerpieces: Don’t go overboard with a centerpiece that takes up a lot of space on the...
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How to become debt-free!
2008-01-27 17:00:00
Debt – does the mention of the word send a shiver down your spine? Are your monthly debt repayments an ordeal for you? Do your monthly payments cover your interest rates rather than the principal amount you owe? Seems like you’re trapped in a bubble that’s hard to burst, right? But there are simple yet cost-effective ways to tackle your mounting debts.Read on and act at the right time to combat your debts before they spiral out of control. Find an easy way out of your debts in this article.Living a debt free life is no longer a dream. Follow these steps and put your debt behind you!Prioritize your debts: Begin by listing the amount you owe into priority and non-priority debts. List the ones with high interest rates and those that need to be repaid soon under priority debts and the others under non-priority debts. You’ll surely save a lot by tackling your priority debts first.Don’t fall for ‘Buy Now, Pay Later’ deals. Cut out credit cards completely: Can’t afford mini...
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Save Energy, Go green and Save money too !
2008-01-23 13:40:00
Step 1Put a sweater on your house. One of the most important energy-saving elements of your home is insulation. Insulating your ceiling and walls will cut your energy bills and make your house more comfortable throughout the year.Step 2You should consider solar energy. Solar power is obviously a wonderful environmental option because it is renewable and clean. While a whole-house system can have an expensive up-front cost, many states and cities now provide attractive financial incentives.Step 3 If you live in a rural, windy area you should consider wind energy. Like solar, wind energy is a great environmental alternative to traditional non-renewable power.Step 4Change your light bulbs. Lighting is one of the largest uses of power in your home. Use natural lighting where you can, or replace incandescent bulbs with compact fluorescent lighting. Fluorescent lights use 1/3 the electricity of normal bulbs and last up to 10 times longer. And they’re not bright and ugly anymore!Step 5Im...
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Code Against Identity Theft
2008-01-19 16:31:00
This is a guest post by the author of the LifeLock blogIdentity Theft is a crime. It is done when an impostor obtain pieces of personal identifying informations like your name, credit card number, Social Security number without your permission. This is also called ID Theft. Some identity theft victims resolved this problem quickly, but there are some who spend so much money in repairing their good names and credit record.There are two type of Identity Theft or Fraud:Financial Fraud – this includes bank fraud, social program fraud, tax refund fraud, computer or telecommunications fraud, mail fraud and many more. This is the most prevalent type of identity theft.Criminal Activities – this involves taking someone else's identity to in order to commit a crime, hide one's own identity, get special permits, enter a country, or commit acts of terrorism.How can we protect ourselves from Identity theft?Delete any suspicious emails from organizations requesting personal information from...
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Carnival of Everything Finance: # 11 Edition
2008-01-16 14:49:00
Welcome to the January 16, 2008 edition of Carnival of Everything Finance .We had over 80 really good articles submitted for this edition.Editor favorites have "*" on them.Earning MoneyJames D. Brausch presents Intern Program Tips posted at jamesbrausch.com*Christine presents Finding Your Special Talent posted at Me, My Kid and Life: An American Single Mom Living in FranceEd Rivis presents Discipline: Number One Success Tool for 2008. posted at Ed RivisGWN Lifestyle presents Girls Who Network Grow Rich Teleseminar posted at GWN LifestyleRyan-Careonecredit presents Is A Fixed Rate Mortgage Your Best Bet? posted at Care on CreditRyan-Careonecredit presents A Home Inspection Can Save You Thousands posted at Care on CreditDave presents Win-Win Referrals - Vox posted at Cheapo GroovoDavid B. Bohl presents Success in 2008? It’s Achievable – And Here Is How You Can Do It! posted at Slow Down Fast Today!Christine presents Monetizing Your Website Through Inspiration and Desire posted a...
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Tips on How to Save Money on Transportation
2008-01-11 04:48:00
Prices go higher every year, especially the cost of gas. Transportation is one big factor that makes the household budget difficult to cover all your expenses. Here are some guidelines to help you save money from transportation:1. To save money, you must always check on your vehicle regularly. A well-maintained vehicle can get you out of trouble on repair expenses. You can actually spend only $50 on maintaining your vehicle and save up to $800 on repair costs in a year. You can even save more if you do the maintenance yourself and not bring your car into an auto shop.2. If you want to save more money, it is recommended not to buy a new car. The value of a car depreciates automatically when you drive it out off the showroom of the car dealer shop. You may buy a car that is used at least one year. It will save you thousands of dollars to the actual worth of the car when it was new. The owner will then pay all the depreciated value of the car.3. Save money on buying used cars ...
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Credit Unions are a good option
2008-01-08 04:18:00
Credit unions can be a very good alternative to banks as long as you meet certain conditions. In general, credit unions can perform many of the same services that banks perform, but there can be exceptions to this.Credit unions are member organizations and this is the biggest difference between them and banks. When you join a credit union you, in essence, become a stakeholder in the institution. In the past, most credit unions were formed around certain professions or formed around certain employment bonds. Today, much of that has changed. The credit union is still a membership process but the bond can be anything from regional to religious. Many different types of groups now have their own credit unions, and finding one that you can join has never been easier.According to the Credit Union National Association there are over eighty million Americans currently enrolled in credit unions. This huge number of participants is not a fluke. There are reasons why people choose credit unions...
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2008 Carnival of Everything Finance Begins ! (# 10 Edition)
2008-01-03 14:38:00
Welcome to the January 2, 2008 edition of carnival of everything finance.We had over 70 really good articles submitted for this edition.Editor favorites have "*" on them.Earning MoneyKingsley Tagbo presents Business Analyst Training Online posted at HOW TO LEARN COMPUTER PROGRAMMING FAST OR GET A JOB EASILY*Lulu presents How to make the most of Cash Back Credit Cards this Christmas posted at How I Save Money.netTip Diva presents Top Ten Tips - Successful eBay Selling posted at Tip DivaJay M presents Business Plan Basics II posted at 4 entrepreneurEverything Else Finance Karen Halls presents Understanding How to Get a Loan After Bankruptcy posted at A Bankruptcy Lawyer's BlogAllen Taylor presents Student Housing - A Niche Market - The ?Echo Boomers? are off to College posted at Investing World TodayThomas Humes presents Linear Income Versus Exponential Income Growth posted at Wealth Building World*Wanda Grindstaff presents Adding Rocket Fuel to the Law of Attraction - Success with ...
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Why Should I Make a Budget?
2007-12-31 16:48:00
You say you know where your money goes and you don’t need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny.You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.That is how much you could have saved AND drawn interest on in just five years. That, my friend, is the very reason all of us need a budget.If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest.See what I mean… it really IS the little things a...
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Best of 2007
2007-12-28 16:12:00
Its been more than 8 months since I started blogging here at Everything Finance and till now, its been a blast. I'm having a good time and I hope that my readers are getting something useful out of this.Since I started blogging, some of my posts have been very popular. Here is a recap of my best posts in the year 2007.Let me start with the post that became very popular on Digg 25 Rules to Grow Rich byI don't think its my best work but for some reason Diggers enjoyed it.Here are the others.Book ReviewsDo you want to be a Quiet Millionaire ?Investing is boring. Well, It should be!InvestingWhy Passive Investing beats Active InvestingSaving for Kids College EducationUnderstand how bonds work ?US Treasury Savings Bonds Home and MortgageBuying a New Construction Home: Do I need a realtor ?How do Realtors sell their own Homes ?What to Expect at the Closing TableMortgage Escrow: To Do Or Not To DoIs Bank of America giving wrong advice ?Features that add "Resale Value" to a HomeFeatures t...

Low Cost Health Insurance: Should I ?
2007-12-24 13:57:00
To protect and preserve one's health, low cost health insurance is needed. Due to the increasing costs of doctor's professional fees and hospital charges, there should be low cost health insurance available to everyone. US government statistics show that more than 40 million Americans do not have low cost health insurance. Health care prices are rapidly and continuously going up and many people cannot even afford basic health care insurance.Low cost health insurance are programs that offers health insurance policies at a much lower price. Students, the unemployed and low-income families are the best candidates for such low cost health insurance. These people can choose from a list of low cost health insurance policies that offer coverage at a minimal price. These low cost health insurances offer low premiums compared to the other health insurance programs out there. In some of these plans, the employer pays part of the premium. It is important that, although not expensive, the p...
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How can I Save Money ?
2007-12-19 13:30:00
It's challenging in today's world to save money, especially during the holiday season. Spending money on gifts and traveling to visit family can really put a dent in your wallet. Knowing when to set aside money for yourself can seem like a tall order during these festive times. In reality, it is not as hard as it seems. Just follow these easy steps:1. Set a Goal – Whatever your reason for saving, you should always set a goal. For an "in-case-of-emergency" fund, you should work toward three to six months of reserves. A goal also serves as your savings inspiration. It is easier to save when you have an objective.2. Pay Yourself First – Each pay period, set aside $20 to $50 to your savings account. An easy way to do this is with Direct Deposit. Ask your employer to deposit a percentage of your pay to a savings account and the rest in your Checking so you gain the extra benefits it entails. You won't miss what you've saved because it is taken directly out of your paycheck before...
More About: Money , Save Money , Save

Carnival of Everything Finance: # 9 Edition
2007-12-16 23:57:00
Welcome to the December 17, 2007 edition of carnival of everything finance.We had over 65 really good articles submitted for this edition.Editor favorites have "*" on them.Earning MoneyRyan Russell presents It’s All Cash For Christmas! posted at My Money ThinksDavid B. Bohl presents Regaining Control of My Life - How I Did It posted at Slow Down Fast Today!*Shaun Connell presents Five Lifestyle Tips I Wish I Knew When I Started posted at Make Money Online.James D. Brausch presents Internet Business 101 » There Is Tons Of Money Available posted at jamesbrausch.com.Ron Ruiz presents Earn Money By Standing In Line posted at The Business Ideas-Making Money Blog.*GradGirl presents 5 Ways to Impress Your Boss posted at This Writer's WalletAndrew Erickson presents A ?Thank You? To Those of You Linking to My Blog posted at WebSite Werx.InvestingLeon Gettler presents Private equity: who makes money? posted at Sox FirstDereck Coatney presents Why A Guy Who Never Wants To Buy A Bank Is ...
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Easy ways to cut your energy bill
2007-12-13 14:13:00
A bill recently introduced in California would ban the sale of energy-hogging incandescent light bulbs by 2012. Aside from changing your light bulbs, there are some other things you can do around the house to save you energy and money.1: Take an energy auditYour home isn't very energy efficient if you have less than six inches of insulation in your attic, if your furnace is 10 years or older, or you have lots of windows on the North side and you live in a cold climate, according to the Alliance to Save Energy .But, there are some specific calculations you can make to determine just how energy efficient your home is. Take a free energy audit online at the Department of Energy's Web site. This tool can tell you where your home is leaking energy and what you can do about it.2: Cut the draftsThe average house loses up to 20 percent of its heat or air-conditioning leakage from air ducts alone, according to Energy Star. Make sure you repair your leaky ducts and seal drafty doors, windows...
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I need Life Insurance! Ok, but what kind ?
2007-12-10 22:50:00
What is Life Insurance ?Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals or in lump sums.As with most insurance policies, life insurance is a contract between the insurer and the policy owner (policyholder) whereby a benefit is paid to the designated Beneficiary (or Beneficiaries) if an insured event occurs which is covered by the policy. To be a life policy the insured event must be based upon life (or lives) of the people named in the policy.Insured events that may be covered include: deathaccidental deathSickness Life policies are legal contracts and the terms of the contract describe the limitations of the insured events.Below are the types most common types of Life insurance sold these days. The last one ...
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Financial Planner: Do I need one ?
2007-12-08 14:37:00
The best time for young people to consider hiring a financial professional "is when you land your first real job," says Barbara Roper, director of investor protection for the Consumer Federation of America. "At that point, you have a variety of financial issues to consider, such as your 401(k) plan and your benefits," and a financial plan will set you on an appropriate course, she says.For savers with modest assets, Ms. Roper says, a fee-only planner is generally the best match. These planners only sell their time, at a cost of between $100 and roughly $250 an hour, depending on where they're based geographically. Because they don't pitch products tied to a particular company, "it minimizes the potential conflicts," she says.To find local planners, consumers should ask friends, family and colleagues if they can recommend someone they trust. Several Web sites, including the National Association of Personal Financial Advisors (napfa.org), the Financial Planning Association (fpanet.o...
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How do Realtors sell their own Homes ?
2007-12-06 12:15:00
Believe it or not, sometimes, Realtors have to sell their homes too! So how do they do it ? They obviously know what a buyer is looking for in a home. So how do they attract the right type of buyer and get the most out of selling their their home ? Here are a few tips I found at Art Of Saving that I found very enlightening.The ExteriorReal estate agents understand how important 'Curb Appeal' is. It is the home buyers first impression of the home. Shouldn't it be a good one? When beautifying the exterior of the home, the focus on the landscaping, driveway, entranceway and front door.* All clutter is removed from the front yard.* Cracks in the driveway and walkway are fixed.* The front lawn and shrubs are manicured. Gardens are mulched.* The exterior of the home is painted if needed.* The front door is painted or replaced if needed.* Chipped or fraying paint on door and window frames is removed, and fresh paint is added.* Gutters and downspouts are cleared and in good working order...
More About: Homes , Sell

Carnival of Everything Finance #8 - Investment Education Edition
2007-12-03 22:23:00
The December 3rd, 2007 edition of Carnival of Everything Finance , Investment Education Edition is being hosted by Blain at stocktradingtogo.com . Since his blog discusses investing tips, tricks, picks, and education from market professionals you will be exposed to 10 great ways to learn investing in the stock market.8th Carnival of Everything FinanceEnjoy.If you like my post, subscribe to My Feed

What to Expect at the Closing Table
2007-11-30 07:58:00
I'll be closing on my home next month and, I think, I have everything under control. But I'm still getting anxious about the whole deal. So, what am I anxious about ?Buying a house. The biggest investment I have ever made. 20% down payment. A very large chunk of my savings is going to vanish from savings account.The closing table, where there will be attorneys, Realtor, builder etc. who have done this quite a few times.So I thought I'll get some more information about the whole closing process and what really happens at the closing table.(Motley Fool Information)Who will be present?You, the buyer, will be present, along with your team, which likely includes your real estate agent and your settlement attorney. If you have an especially amiable and service-oriented mortgage broker, he may be there on your behalf as well, though that is unlikely.On the other side of the table will be the seller(s), the seller's agent, and possibly an attorney for their team.When the referee bl...
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Switch Between Fixed and Variable Rate Mortgage with no Closing Costs
2007-11-27 21:42:00
WaMu has come up with a new kind of mortgage product called Mortgage Plus, that allows you to Switch Between Fixed and Variable Rate Mortgage with no Closing Costs . Below is the article explaining this new product.A new product from Washington Mutual lets borrowers shift from fixed to variable and back again on a dime.By Les Christie, CNNMoney.com staff writerNEW YORK (CNNMoney.com) -- There's a new kind of mortgage in town - and it's very limber.Usually, when borrowers want to restructure their mortgages - go from a fixed-rate to a variable rate, for example - they have to refinance, an onerous, expensive process. There are new closing costs, legal fees and title search and insurance fees that could add thousands of dollars to the mortgage principals.But the new product from Washington Mutual (Charts, Fortune 500) (WaMu), called Mortgage Plus, gives customers the ability to switch the type of loan they have without going through a refinance.Say that originally, a family is plann...

Use Software to Budget Money
2007-11-25 20:56:00
The problem with most people these days is that they get so comfortable with their expenses through the aid of credit cards. They become so indulged with cashless shopping that more and more people are spending more than what they can afford.For this reason, experts contend that budgeting can definitely alleviate the consumers from “financial strain” by managing their expenses and income instead of falling into the pit of liabilities.However, some people just contend that they cannot simply do budgeting alone. They insist that they need some help in order to come up with a reliable and workable budget.That’s why some financial experts have created some money budgeting software that will facilitate the creation of a good budget in order to promote wise money-saving strategies.Basically, money budgeting software assists an individual in his or her expenditures and uses the money sensibly. These new technologies will help distribute the money into various aspects and areas and wi...
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Mortgage Escrow: To Do Or Not To Do
2007-11-21 13:45:00
First, let me answer the 2 basic questions about Mort gage Escrow .What is an escrow?An escrow is when you include your taxes and insurance with your monthly mortgage payment.How does Escrow work ?Buyer, seller and the Escrow Agent sign the escrow agreement. Buyer deposits money and/or documents in escrow. The Escrow Agent manages the escrow account. The Escrow Agent confirms to the seller that the escrow amount and/or documents have been received in the escrow account. Seller performs the required services. Buyer accepts delivery and proof of acceptance is sent to The Escrow Agent . The Escrow Agent releases the money and/or documents in escrow.Now here's my situation. I'm in the process of finalizing my mortgage for buying my first home. (I have to make a decision by the end of this month). I got Good Faith Estimates from a number of lenders and all of them had $2000 - $2500 going towards the escrow account. so I assumed thats how it has to be. But then during a conversation wit...

Why Passive Investing beats Active Investing
2007-11-19 14:08:00
I'm a big proponent of investing passively by maintaining a diversified portfolio of index funds. It definitely takes the fun out of investing, but as far as I'm concerned, taking risks with money that is earmarked for my daughter's education and our retirement is not meant to be fun anyway. Its serious business.So what do I mean by passive investing. For me, it means that I don't stay awake at night thinking (and worrying) of ways I can beat the stock market and make millions of dollars or on the flip side, make sure that I don't gamble away all my hard earned money.If you want to hear stories of why trying to beat the market is a waste of time, I would definitely recommend reading the book Wise Investing made Simple by Larry Swedroe.The best definition for Passive Investing I have seen so far is: An investment strategy involving limited ongoing buying and selling actions. Passive investors will purchase investments with the intention of long-term appreciation and limited main...
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Carnival of Everything Finance: # 7 Edition
2007-11-16 13:37:00
Welcome to the November 16, 2007 edition of Carnival of Everything Finance . We had over 80 really good articles submitted for this edition. As usual, the Editor favorites have a "*" on them.Saving MoneyAahz presents A Bathroom Full Of Cash - Top 5 Tips For Saving posted at PhilaahzophyMark U Runta presents Simple Frugality – Conservation posted at Smart Investing & Money Management*Donna Freedman presents Desperately seeking dinner posted at Smart Spendingfreefrombroke presents Loose Change Gets Us Free Meals On Vacation posted at Free From BrokeSpending WiselyKalyn presents How To Deal with Bad Credit posted at LifeEdit.netThe Career Counselor presents Seven Strategies to Stop Living Paycheck to Paycheck posted at ask the CareerCounselor*ChristianPF presents 6 Tips for a Debt Free Christmas posted at Money in the Bible | Christian Personal Finance BlogStephen Miracle presents Remember These 6 Things And Never Worry About Donating To Charity posted at AltNoise.net*Adam Zekmu...
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ACHBUSINESS.COM - Review
2007-11-14 14:00:00
Every time you pay a bill online, you transfer money into your online savings account or your employer direct deposits your paycheck, do you know what kind of a transaction is really taking place in the back end ?Its called an ACH transaction. ACH stands for Automated Clearing House.Today, I'm approaching ACH transactions from the perspective of a business owner and not a consumer.Now, more and more businesses prefer transacting via ACH, because its fast and cost efficient. You also use less paper, so in turn, you help the environment cutting less trees.The 2007 AFP Electronic Payments Survey, done by the Association for Financial Professionals, showed that while checks are still the dominant payment method for B2B payments, organizations are gradually overcoming the barriers and increasing their adoption of all electronic payment methods-ACH, cards and wire transfers.The 2007 survey, underwritten by the Electronic Payments Network (EPN) is a follow up to an AFP survey on electroni...
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