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Budgeting in Extra Paychecks


When you receive paychecks weekly or biweekly the good thing is that you do not account for the months in which the extra checks arrive. Or do you?

If you receive a weekly paycheck you receive four extra checks a year if you are paid weekly and two if you are paid biweekly. Here's how: In a sense it is like having an automatic bank account that someone has been putting money into for you. Each year contains 12 months, but 26 two-week periods. Keep in mind that every year, four different months last or five weeks as opposed to four weeks and that is what accounts for the 25th and 26th payments. We often grow accustomed to the notion that there is four weeks in every month but on average it actually comes to 4.3 weeks. Assuming an $80,000 taxed at 25% (straight up) here is what the money equates to assuming Friday paydays for the 2004 calendar year.

Schedule Timing and amount (2004) Yearly total
Weekly Jan, Apr, Jul Oct $1,154 per check $4,616
Biweekly Apr, Oct $2,308 per check $4,616

From the way this budget is set up the extra money can be used for whatever you like. I prefer to label them as bonus checks. The hard part is waiting from them to arrive at their different intervals throughout a year. This is nice because you earned it and you deserve it.

What if you get paid bimonthly?
If you receive paychecks on a bimonthly basis it is usually on the 15th and 30th of every month. So how do you create a set-up so you can receive bonus checks? The $80,000 gross pay equates to an average of $6,666 a month in gross income. Instead of receiving 26 or 52 paychecks each year, bimonthly paychecks total only 24. Therefore, you will have to determine an amount you can set aside each month from both paychecks as your monthly average will be higher than the weekly and biweekly scenario.

Copyright David Mulonas - http://www.flipping70.com



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2Checkout - Overview as a Payment Processor

Actually, to just use the words ?Payment Processor? and ?2Checkout? in the same sentence is liable to get you into trouble.

2Checkout is very sensitive about who they are and what type of service they provide. They do not see themselves as a ?Payment Processor?. They are an ?Authorized reseller/retailer? of your products and services. So in essence, you sell your products to them and they sell it, for a 5.5% commission fee, on to someone else. The fact that the ?someone else? was someone who landed up on YOUR site and wanted to buy YOUR product is beside the point!

So what services DOES 2Checkout provide, as an ?Authorized Retailer?? Strangely enough, most the same services provided by a company that provides ?Payment Processor? services?.

If you sell your products or service through 2Checkout (or rather then, ?to? 2Checkout), you can expect to do it in the following ways:

You can sell services

You can sell services such as advertising, hosting, copywriting and lots others. But be aware ? check their policies on what is not allowed. For example, although normal hosting services are allowed, IRC Chat Hosting and Game Server Hosting are not.

You can sell products

These can be tangible or electronic. Once again, make sure that you do read their policies on what type of products are not allowed.

It might be a good point to mention at this stage that when you do sign up with them, your website and products already need to be set up so that they can review it for compliance with their policies before your account will be opened with them.

Memberships and recurring billing

You can also sell membership services which almost always implies some type of recurring billing service. 2Checkout offers a free script (provided by a third party) to set up your membership site or it can integrate with any type of membership site that you have.

2Checkout operates in a large number of countries and also offers the following currencies:

• US Dollars


• Australian Dollars


• Canadian Dollars


• Danish Kroner


• Euro


• GBP-Sterlings


• Hong Kong Dollars


• Japanese Yen


• New Zealand Dollars


• Norwegian Kroner


• Swedish Kroner


• Swiss Francs

One other thing to note is that 2Checkout is very sensitive about the text and logos that you place on your site. You have to get the wording exactly right the way that they want it, and you cannot just display any credit card logos on your site ? they do have approved versions of the credit card logos that you should download from their site and use.

Like all big service providers that have millions of clients, not everyone is going to be satisfied with their service. They are very fraud sensitive and therefore may freeze your account or put you under investigation if they suspect any fraudulent activity.

Despite this, 2Checkout is really a very popular provider and has a good reputation in the industry, and since it offers services in multiple countries, it does offer a viable alternative for those countries not able to easily sell through Paypal.

Finally, the question that can be asked is: Do you need your own shopping cart? The answer is no, 2Checkout does provide its own shopping cart. But always remember, it is disconcerting for a customer to start doing shopping on one site, and then move to another site as soon as the ?Add to cart? button is pressed. He might just not return to your site.

Wouldn?t you rather use a shopping cart that integrates seamlessly with 2Checkout but where the customer remains on your site all the time? In this way the customer will not have to leave your site and you will not have a potential ?lack of trust? problem which might lead to shopping cart abandonment.

Source: Free Articles from ArticlesFactory.com

ABOUT THE AUTHOR

Robin K is the lead developer of E-junkie - simply the best internet shopping cart to use if you want to integrate easily with 2Checkout and other payment processors.

 

 

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Spitzer's call girl sues "Girls Gone Wild" over racy videos Apr 29 - The call girl, Ashley Alexandra Dupre, more famous as "Kristen," filed a lawsuit Monday in Miami federal court claiming she never gave "Girls Gone Wild" ... (Xinhua) MDC to take election crisis to United Nations Apr 29 - ZIMBABWE’S opposition will take its claim of victory in last month’s election over President Robert Mugabe to the United Nations Security Council this week. ... (Dispatch Online) On affirmative action, Obama intriguing but vague Apr 29 - WASHINGTON - Barack Obama is one of the rare Democrats who often choose to explain the values behind a policy rather than the policy itself. ... (Boston Globe)

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Wedding Checklist ? Choosing A Videographer

While wedding photographs have a reputation for capturing the precious moments of matrimony, snapshots pale in comparison to reliving the laughter heard during the best man toast, watching the cutting of the cake, and noticing the delicate sway of the bride's dress. All of these lively, memorable flashes are delivered by a videographer, which can be rewound, fast-forwarded, and paused with the simple touch of a television remote. To make sure your memories are preserved with decency and satisfaction, it is important to choose a videographer who possesses both experience and creativity.

When it comes time to choosing a wedding videographer, you should consider the following suggestions:

? Samples Are Key: In order to make an effective decision on who will successfully produce a video illuminating the overall allure of a wedding, analyzing the previous work of a potential professional is essential. As you view samples, it is important to pay attention to clarity, quality of video, composition, as well as skill in shooting and editing.

? Know Your Video Formats: There is a wide range of video formats that a videographer may utilize when covering a wedding. To ensure the best quality and results, knowing the different types of options you may select from will help make a decision much easier. Today, the most commonly used approaches include VHS, S-VHS, and DV. VHS and S-VHS produces the lowest quality, while DV (also known as digital video) offers the best in quality, which can be repeatedly recopied without loss of features. For couples looking to receive video with the feel of a major motion picture, DV provides the best display of sound and video that comes in the form of a DVD.

? Don?t Let Fancy Equipment Distract You: Although name brand and flashy equipment is impressive when it comes to creating a video to your liking, if the videographer does not possess the skill, talent, or imagination to put the equipment to good use, it doesn?t matter. Simply looking at samples is not enough to ensure competency, ask for a short demonstration on what they can do with their equipment.

? Ask About Various Videotaping Methods: There are two main approaches towards videotaping a wedding. One option deals with multiple cameras that feed information onto one tape with instant editing (called live switching). The second technique involves multiple cameras that record on their own tape that allows a videographer to make edits within the comfort of his or her studio. It is the latter choice that videographers do not feel rushed to make on-the-spot decisions.

? Know the Setbacks Associated With Live Switching: Live switching requires a lot of equipment and wires, which may cause a distraction and physical obstacles with the multitude of cords running throughout a wedding scene. One person is responsible for watching all of the cameras on monitors that allows instant editing. This essentially makes a videographer's job much easier, but for the consumer, it is a setback because fine-tuning and follow-up editing does not take place.

? Request the Highest Level of Sound Quality: Some videographers rely on the built-in mics that camcorders possess, which produces the worst sound quality. Wireless mics follow as another ineffective way to capture sound. The best way to enjoy clear and crisp dialogue, music, and other wedding sounds is to use small digital sound recorders that can be placed in a variety of locations, such as the groom's pocket.

When it comes to creating a wedding memory that will stand the test of time, choosing the right videographer to meet your needs is vital. Overall, factors such as skill, talent, and creativity are quite important, but depending on your requirements and budget, you should also inquire about varying price packages, guarantees and liabilities, written contracts, additional charges, and the cost for multiple copies.

About the Author:

Mark Pommett is an accomplished wedding videographer in Las Vegas. For more information and wedding samples visit www.VegasWeddingVideography.com

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