As the economy declines more people than ever will be using debit cards. These cards are already the #1 form of retail payment in Canada and the US will soon follow. When you run these cards though you credit card machine you are charge a premium rate plus an extra flat rate fee.

With this fact of business life in mind many savvy business owners are changing the way they process debit cards. In recent years as debit cards have become a larger percentage of the way people transact retail sales a new generation of cashless ATM systems have been developed. They are as profitable as the old cash machines but cost much less. The new system have models designed for many retail location and do not need a dedicated phone line.

The new cashless ATM systems make money on every transaction instead of paying the card companies. These new systems can make a difference of as much as $3.50 on a $10.00 transaction. 
A recent study reports that the average ATM in a retail setting makes over $20,000.00 per year. These new system are available on lease to own deals that for most allow the equipment to pay itself off while making a nice profit every month and they cut or eliminate credit card charges.

An article in The Wall Street Journal predicted that between 10 and 26% of small retail businesses could go under in 2009. In these economic times can any business afford to let $20,000.00 or more slip though their hands while they continue to pay ever increasing credit card charges.

Alan Goldsmith
http://www.articlesbase.com/strategic-planning-articles/nightclubstore-and-fast-food-owners-net-an-extra-20000-usd-in-only-one-square-foot-718740.html

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The current financial situation looks intent to create a long term world wide recession. A main concern is how well you can build a financial safety net to protect your money and make your savings grow despite the negative situation. The importance of creating a financial web to safeguard your money has never been greater.

Some of the greatest potential risks include:

1. Hyperinflation: The bailout may increase the supply of money within the country through printing of more money.

This increase might dilute dollar value due to higher amount of dollars in circulation.

A few financial giants have fallen and some others are struggling. The Federal government may have to give support through a period of more closures, bankruptcies and a stressed financial economy. The government’s main instrument for support is through creation of more money. But, where there is excess money in circulation, the possibility of hyperinflation may increase.

2. Sale of U.S. Debt: US debt is spread across Japan (around $600 billion), China (around $500 billion) and United Kingdom (around $250 billion).

The total US debt is currently about $10 trillion and is expected to increase by $500 billion each year. This might cause foreign creditors to sell their US debt or stop buying any further US debt. If

Japan and China start selling US debt, it could become more difficult for US to procure new debt. The way to attract new debt is by increasing interest rates on debts or printing more dollars to cover expenditure. This might prompt hyperinflation as already discussed.

Counteracting Bail-out Problems

The bailout risks when translated into terms which the average person like me may understand include the falling value of the dollar and an increased threat to your livelihood.

But, it is possible to provide yourself with a financial safety net even in these trying times.

Adjust these Steps to Your Financial Requirements

Time in Hand

The Bail-out has probably provided you a little extra time to earn and save more money to guard yourself and your family against the possibility that the overall situation becomes even worse.

That period of time might be a few months, years or even a decade.

You should, if you believe that you might need to, look for alternative or additional sources of income.

If you are on the federal payroll, you might face the possibility that, at some point, a paycheck may not arrive on time as all state governments are deep in debt.

The scenario could be the same if you are living on pension benefits, health care or worker benefits.

This is likely to be fixed quickly to prevent major panic but plan what you can do to reduce the temporary effects before the situation is upon you.

If you are employed with private businesses, from the smallest to the largest corporations, the same sort of problem could occur and the fix may take longer.

Real pressure could be felt during the Christmas season. People have less cash in hand to spend on gifts and durables than has been normal during previous years.

Many people are fearful of their future and that of the whole economy. That was a major reason that I prepared this ebook.

Secure Your Financial Situation

The best way to look for extra sources of finance is to create something for yourself.

Look for opportunities that allow you to control your source of income. The beginnings could be slow but, whatever little you earn would help to increase your preparedness.

You do not have to fear so much about the effects of being fired of your job.

While searching for additional income sources, avoid any which require you to put in significant amounts as initial expenditure. You could do better with options that do not require much initial expenditure, even if the potential return is also lower at the beginning.

You should keep any recurring expenditures, like advertising and expenditure on stock to a minimum.

You should be able, in at least the early stages, to do the job all by yourself so that you do not have to hire, pay and be responsible for additional people.

Job Opportunities

The best job opportunities are likely to be those which relate to your present skills, areas of interests and hobbies.

Your hobbies could range from gardening, cooking, dancing, singing, writing, blogging and collecting. the list is almost endless.

You could seriously consider turning your hobbies into businesses.

If gardening is your hobby, you might offer gardening tips and other interesting information about how to nurture and grow any plant.

You could offer information at your web site or through phone consultations.

You might create a video on how to take care of your garden and sell it to interested people.

Or, you might offer garden care services to the people that do not have enough time or may be physically incapable of looking after their own garden. Be careful to get appropriate insurance for your activities before you start.

You might sell books on gardening or special gardening tools. If any of these options are too costly to start, look for cheaper alternatives.

You can apply similar tactics according to whatever your hobby or skills are.

If you have some writing talent, you can offer write-ups on events to web sites or offer content-rich articles at freelancing web sites.

You can take up these activities in your leisure time, make additional income and perhaps build them into a full-time activity. Then, you would be earning your living doing what you love. Few things can be more satisfying.

For more detailed information on the current situation and how you can protect you and your family order your copy of Surviving the Debt Crisis today.

Craig Maugham
http://www.articlesbase.com/wealth-building-articles/how-to-build-your-financial-security-net-701121.html

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Economy or First class ?

That’s the question that you’re bound to ask yourself with the latest Nokia E63 mobile phone. Why ? Well essentially the Nokia E63 is a stripped down Nokia E71 that Nokia claim ditches some of the features aimed at the hardcore corporate world and softens the blow in the wallet to us mere mortals that simply wouldn’t use them. In a nutshell it’s a smartphone for the masses - But does it cut the mustard or is it simply a charlatan with nothing behind the smile ?

Don’t be fooled into thinking though that the E63 is some poor relation as it’s one hell of a 3G smartphone which makes communication as simple and easy as possible. With a full QWERTY keyboard, e-mails and attachments can be dealt with easily & quickly on the large 2.36″ display. Dedicated one-touch keys: Home, calendar, contacts, and email let you access your most used applications at the touch of a single button. Intelligent input with auto-completion, auto-correction and learning capability make your life even easier too.

Memory is expandable upto a more than adequate 8Gb via the microSD expansion slot for those all important files & there’s 110Mb of internal memory to get you started with.

Connectivity couldn’t be easier as you can instantly connect on the go via any Wi-Fi hotspot. Surf the net, access mail and more at broadband like speeds whenever & wherever you are 24/7.

So just what am i missing out on then ? Well, read on as it may or may not matter and you could save a whole wedge of hard earned cash.

The styling of the E63 is where the difference is most significant. The E63 feels sturdy, but it lacks the solid metal feel of the E71. Again, the lower price tag may make you forgive the cost-effective approach to the exterior.

Poor camera performance compared to the E71 as you only get a 2MP camera & not the 3.2 of the E71

No GPS receiver - You won’t be using it as a Satnav then….

Lack of “extra goodies” in the box - Don’t expect a datacable, Nokia Stereo Headset , Leather Pouch & Strap in the box like you get with the E71

Little niggles - There is an FM radio but it lacks RDS, there aren’t any preinstalled games and the 3.5mm jack protective bud is not attached to the body which is quite irritating

Obviously it’s your money at the end of the day and life is about compromises. The E63 is a very good phone that represents good value for money…but will you always secretly regret not shelling out that little bit more ?

The Nokia E63 and E71 are both available on contract or SIM Free at The Order Ltd

Andrew Leech
http://www.articlesbase.com/cell-phones-articles/nokia-e63-mobile-phone-740618.html

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