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Fear of making an investment mistake can cause a retirement investor to postpone decisions. For example, an investor may delay switching out of an investment that has consistently underperformed. While the investor is lingering over the decision, the investment may be losing even more value. If you...
Perhaps you've read about an estate planning tool called a living trust. It is often recommended to individuals who want their assets to be professionally managed should they become disabled. A properly implemented living trust also avoids probate, which can be a time consuming and expensive...
With the use of checks continuing to slowly decline each year, businesses are faced with a challenge of how to effectively handle those items as part of their accounts receivable strategy. There are many alternatives businesses can choose from today – Remote Deposit, Electronic Check Conversion at...
The True Cost of Credit: Understanding Your Payments’ Effective Cost Pricing in the credit card processing industry is very complex and most merchant statements do not make it easy to understand. There are so many technical and industry jargon laden terms (interchange, qualification tiers,...
The 20th century U.S. criminal Willie Sutton was said to rob banks because “that’s where the money is.” The same motivation in our digital age makes merchants the new target for financial fraud. Occasionally, lax security by some merchants enables criminals to easily steal and use financial...
Although Gift Card programs have been used primarily by large retailers, small to mid- sized businesses can benefit from implementing a gift card program.   A First Data survey of small to mid-sized businesses found that 82 percent of respondents indicated that offering gift cards has had a...
It’s not always easy to know if you’re saving enough for your retirement. Like most people, you’re probably not sure. Here’s how to get a general idea of whether your savings are on track to last throughout your retirement.   Plan for a Long Retirement Your retirement could last over 30 years. And...
No one likes to think about the possibility of not being able to manage their own affairs. Still, accidents and illnesses do happen. If you worry about who would manage your assets if you couldn’t do it yourself, then you might want to consider a revocable living trust.   What It Is When you...
One way to help control risk and increase your portfolio’s chances for a healthy return is through diversifying your investments across and within the major asset classes. Holding a mix of large, mid, and small cap stocks and investment grade bonds of varying maturities can be a good start toward...
Credit card processing is one of the most complex and confusing services businesses buy today. However, this vital payment solution increases in importance each year as more customers use cards to make purchases. The current economic climate makes it even more important for a business to understand...

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