ACH or Credit Cards
by: Wayne Akey

Most businesses accept credit cards and consider the process fees a cost of doing business. However by implementing an ACH payment system you can realize dramatic savings and increase sales.

ACH refers to the Automated Clearing House and generically means moving money electronically to and from checking and savings accounts. An example would be a check by phone or taking recurring payments directly from a checking account.

The MAJOR difference between ACH and credit card processing is that a credit card transaction captures the merchant’s funds from the consumer and essentially guarantees payment. An ACH transaction is a request to transfer funds. The transaction may reject for several reasons with the most common being NSF (non sufficient funds) or a closed account. The funds are not guaranteed.
It is the guarantee piece that allows the credit card company to charge a percentage of the transaction to cover the risks involved. Typically a transaction will consist of a discount rate.

Contrast this with an ACH transaction. Typically there is no discount rate just a .30 (or less) transaction fee. Certainly you will have more failed sales due to ACH transaction rejects (eg NSF) but your transaction savings will far exceed these losses.

So consider ACH processing for your business. It will save you money and win new customers.

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What is Debt Settlement?

by: Jon Thomas

Debt settlement is the process of negotiating with your creditors so that you are able to pay off a certain percentage of the debt amount that you owe. A debt settlement company will use different types of strategies to negotiate with your creditors so that you get the best outcome. You’ll want to hire a debt settlement company that has arbitrators who are experienced and licensed so that they can negotiate a deal for you with your creditors. You can expect to lower the balances on the debt that you owe by anywhere from 40% to 60%.

But how does the debt settlement process work? And why are creditors willing to negotiate with you so that your debt balance is reduced? The answer is simple: creditors know that if you end up declaring bankruptcy that they may not have any chance at all of seeing any of the debt that you owe repaid to them. Studies show that approximately 25% to 30% of all bankruptcies that are filed each year are “current debt”. Many people obtain more credit to pay off another creditor. After a period of time these people run out of credit to pay off their existing debt. And this is when many bankruptcies are filed.

When people file a bankruptcy claim creditors don’t get back any of the money that is owed to them. This means that a creditor is better off negotiating with the person who owes them money so that they can regain even a small portion of the total amount of the debt. Debt settlement companies will work with you and your creditors so that you can pay the minimum amount of money back to your creditor.

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Where To Invest In Real Estate

by: Steve Gillman

Where should you invest in real estate? If you know an area well, and have enough experience investing in real estate, you can make money almost anywhere. However, there are always places that are better or worse for real estate investments - places that have a better demand/supply ratio. Use the questions below to find them.

Demand Questions :

1. Is the population growing fast?

2. Is job growth decent?

3. Decent quality of life?

4. Wealth in the area?

Supply Questions

1. How much new construction?

2. How many homes for sale?

3. Rent and vacancy levels?

4. Available land that is buildable?

Use these questions to compare various towns and cities, and you'll see the differences more clearly.

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