How to Pay Government With ACH Direct Deposit

by tammieb 8. May 2023 14:35

The Latest Direct Deposit Software Gives Customers A Faster Way to Pay the Government Taxes Easily and More Securely.

How to process ACH payments to the IRS here

How to process EFTPS payments to IRS here

As always, there is no cost or obligation to try the software before purchase.  Please visit ezACH Direct Deposit Software


Correct W2 Forms for Years 2013-2022 with ezW2Correction 2022

by tammieb 27. April 2023 05:27

Employers are required to correct errors on Forms W-2 as quickly as possible. The penalty for filing an incorrect W-2 with the SSA increases over time. To avoid penalties, a Form W-2c is generally required within 30 days of becoming aware of an error. ezW2Correction processes unlimited forms for unlimited companies at one flat rate.


ezW2Correction starts at 49.00 to print and mail. offers a no cost or obligation demo version to test for compatibility before purchase.  Download at ezW2Correction Software

efile, PDF and Data Import features are an addional cost

ezACH Eliminates Expensive Check Paper Cost In Processing Payments

by tammieb 24. April 2023 12:44

Newest ezACH direct deposit software gives businesses a way to save money by eliminating paper checks for payroll and vendor checks.  Potential customers are encouraged to download and test drive at no cost or obligation at






ezAch Deposit Software — Affordable direct paycheck deposit for any business — 30-day trial

ezAch is priced at just $199 per single version installation,(additional cost for network version). To ensure the software meets customers’ needs before purchasing.

With purchase of a license key, customers can unlock ezAch Deposit Software for unlimited use. The free download and the license key can be found at ezACH

Use ez1095 to correct forms before any penalties are incurred!

by tammieb 11. April 2023 07:42

Latest 2022 ez1095 ACA software from is available to send correction forms for 1095 C, 1094 C, 1095 B & 1094 B.  Test drive the 30 day no cost or obligation trial at If you just have a few ACA forms to correct, it may be easier to print the paper forms with the "Corrected" box checked and mail them to the IRS. If you need to efile for ACA form correction, please view the instructions below. 

See correction video

To learn more about ez1095 ACA software and test drive before purchase, customers can visit Purchase and download



March 31, 2022 is the due date to efile ACA forms to IRS

by tammieb 24. March 2023 08:49

Beat the upcoming efile March 31, 2022  deadline. developer’s have also added form level help links to process forms more quickly. Additionally, ez1095 is available for form processing for years 2015 to 2022 tax seasons (Each year sold separately)

Steps for how to efile forms for upcoming 1095 March 31, 2023 deadline here


First time efiler: How to generate test scenarios EFiles


How to apply for an ACA TCC code for 1095 E-filing.

Customers that need to file form 1095 and 1094 can download and try out this ACA software from before purchasing with no obligation by visiting ez1095


ACA Software | Business | business management | ez1095 | Working Remotely

2023 941 Form Added to ezPaycheck and ezAccounting

by tammieb 11. March 2023 17:18

ezPaycheck Payroll Software and ezAccounting Business Task Software Released to Support 2023 Form 941 Changes. Current 2023 customers will get the 2023 941 Form update at no cost.

Employers use Form 941 to: Report income taxes, Social Security tax, or Medicare tax withheld from employee's paychecks. Pay the employer's portion of Social Security or Medicare tax.

Failure to timely file a Form 941 may result in a penalty of 5% of the tax due with that return for each month or part of a month the return is late. The penalty caps out at 25%. A separate penalty applies for making tax payments late or paying less than you owe.
Ezpaycheck and ezAccounting Download links. Download and test for compatibility before purchase!


File W2C Forms, In House Easily with ezW2Correction Software

by tammieb 3. March 2023 12:09

2022 ezW2Correction Software from includes a new feature for importing form data electronically to save money and avoid penalties. By processing corrections, in-house customers have more control and better security with data. Download and test drive for 30 days at

Correcting errors on W2 forms previously filed incorrectly can have several benefits, including:

  1. Avoiding penalties: By filing  incorrect W2 forms it will result in penalties by the IRS unless the errors are corrected before the deadline

  2. Helping employees: Correcting errors on W2 forms can benefit employees. Accurate W2 forms can help employees file their taxes correctly and avoid any future issues with the IRS.

Starting at 49.00 to pring and mail for a single installation. (efile and import and PDF features available for additional cost.) Download and test today by visiting



File 1095 ACA forms before Feb 28 2023 Due Date

by tammieb 28. February 2023 11:48

Our support team offers extended email support on 1099, 1095 related questions until midnight (Central Time) on 2/28/2023. Please feel free to contact us if you need assistance

ez1095 software makes it easy to prepare and file ACA form 1095 and 1094. As an employer, Here are the important dates you should know.

1095 individual copies: March 2, 2023
Extension of due date for furnishing statements!

The due date for furnishing Form 1095-B to individuals is extended from January 31, 2023, to March 2, 2023.
 See 2022 Instructions for Forms 1094-B and 1095-B.

The due date for furnishing Form 1095-C to individuals is extended from January 31, 2023, to March 2, 2023.
See 2022 Instructions for Forms 1094-C and 1095-C.

1095 and 1094 IRS copies: Feb 28, 2023 for paper filers; March 31, 2023 for electronic filers

Download and process forms today!



We offer step by step guide for clients who need to File 1095 ACA Forms to IRS electronically.

by tammieb 20. February 2023 11:51

With ez1095 software, employers and accountants can prepare, print, PDF print and efile 1095 & 1094 ACA forms in house easily.


We offer step by step guide for clients who need to File 1095 ACA Forms to IRS electronically. 

Click this link for the completed guide from TCC application, to ACA form submission.


Please contact the support department for for any questions or troubleshooting

The cost of ez1095 is 195.00 for a single installation paper print version, and $295 for IRS efile single-user version.


Download and test at no cost or obligation at ez1095 Software

How to Make 941 Federal Tax Deposit Using EFTPS Site

by tammieb 16. February 2023 13:50
IRS has NOT published 2023 Form 941

The draft version of 2023 Form 941 is available now. Hopefully IRS will release the regular version soon. Both ezPaycheck and ezAccounting software support this form!

If you need to make the 941 federal deposit, please follow this guide

Note: IRS will release new 2023 Form 941 in late Feb or March, Form W2 & W3 in Nov, Form 940 in Dec. We will release the new versions when the new forms are available.



Business | business management | business news | ezAccounting | ezPaycheck | Halfpricesoft news | Working Remotely | 941 Form

Accountants Are Accommodated For Beating Deadlines With The Newest ez1095 2022 ACA Software

by tammieb 2. February 2023 10:24

Accountants, employers and tax professionals that need to process unlimited ACA (Affordable Care Act) forms 1095 with new 2022 ez1095 software from ez1095 can process forms 1095C, 1094C, 1095B and 1094B. It has also been approved by the IRS to generate the efile documents that customers can upload to the IRS for ACA form electronic filing.  This feature will allow customers to beat the deadlines.

ez1095 software is compatible with Windows 10, 8.1, 8, and 7. ez1095 software’s graphical interface leads customers step-by-step through setting up a company, adding employees, add forms and print forms. Customers can also click form level help links to get more details regarding the software.Even better, the software offers discounts for muliple installations! welcomes all customers to start the no obligation test drive today at

Returning Customers Appreciate The White Paper Printing With Newest ezW2Correction Software

by tammieb 31. January 2023 15:30 caters to both returning customers as well as new customers in the latest new 2022 ezW2Correction. ezW2Corrections offers white paper printing for both Copy A W2C and W3C

Forms for years 2013-2022.  These features from developer’s will offer peace of mind and quicker processing for W2 and W3 Correction forms.


As with all software from, ezW2Correction has a user-friendly design that allows customers to get started immediately after installation from  The software’s point-and-click simplicity makes it ideal for small business owners who have better things to do than learn complicated software.

Latest EzCheckPrinting Boosts Productivity for Home Businesses and Entrepreneurs in 2023

by tammieb 30. January 2023 12:23


Business owners working from home and utilizing the latest ezCheckprinting software boost profit and productivity. developer’s have also tested and confirmed that there will be no

interruption in processing unlimited checks for unlimited companies with the latest Windows 11 update. 

Starting at just $49 per installation, ezCheckPrinting is affordable for any size business and is compatible with all popular brands of laser printers (most of which can print bank-accepted MICR numbers) and specialized MICR printers. Furthermore, there are never recurring fees or hidden fees associated with the program. We also offer discounts for multi user keys. To learn more about ezCheckPrinting business check writing software and the many easy to use features, please visit

New ez1099 Supports Upcoming Deadlines To Prepare, File and Deliver 1099 MISC and 1099 NEC Forms

by tammieb 29. January 2023 14:47

Ez1099 tax preparation software from will allow businesses and tax professionals to file 1099 forms online in minutes. File one or thousands of forms 1099, 1099 NEC, 1099-MISC, 1098, 3921, 3922, 5498, & W-2G from anywhere to beat the upcoming deadlines. It’s fast, easy and secure. 



Cost is only $79 per installation for the basic version of ez1099 Software or $139 per installation for the advanced version with bulk printing feature, import feature, PDF file creation and electronic filing capability.

1099 filing software makes it simple to create, issue, send and e-file  1099-NEC, 1099-MISC and more. Get started with a free trial today at

Last Chance For The Bundle Version of ezPaycheck 22-23 Years for $159.00 Until January 31, 2023

by tammieb 24. January 2023 08:25

Don’t  miss out on the limited time offer of ezPaycheck payroll software for years 2022 and 2023 in a  bundle version for only $159.00. will keep this great bundle for  business owners until January 31, 2023



Priced at $139 per installation and released each per calendar year ($159.00 for the 2022-2023 single installation bundle version is available for a limited time),

ezPaycheck payroll software is affordable for any size business.  To start the no obligation 30-day test drive today, please visit Will Support ezW2 Customers Until Midnight EST On Jan 31 For Any Form Filing Questions

by tammieb 22. January 2023 08:12

Extended customer support hours offered on January 31, 2022 at no cost for customer’s and small business owners who utilize 2022 ezW2 and 1099 software. Employers can get details by visiting


ezW2 2021 Readies HR staff for the upcoming filing deadline for W2 and W3 forms.  The due date for filing 2021 forms for both SSA and recipient copies W2 and W3 is January 31, 2022.  Business owners must furnish Copies B, C, and 2 of Form W-2 to your employees by January 31, 2022. will support customer inquiries regarding filing until Midnight AM EST. For inquiries before then, please contact us at Support

Customers Can Acquire The Bundle Version for ezPaycheck22-23 Years for $159.00 Until January 31, 2023

by tammieb 20. January 2023 06:16

Don’t  miss out on the limited time offer of ezPaycheck payroll software for years 2022 and 2023 in a  bundle version for only $159.00. will keep this great bundle for  business owners until January 31, 2023

Priced at $139 per installation and released each per calendar year ($159.00 for the 2022-2023 single installation bundle version is available for a limited time), ezPaycheck payroll software is affordable for any size business.  To start the no obligation 30-day test drive today, please visit

Latest ezW2 2022 Tax Preparation Software Allows For Seamlessly efiling W2 and 1099 NEC Forms

by tammieb 18. January 2023 09:35 gives business owners an efiling option for processing W2 forms. When utilizing the new 2022 ezW2 tax preparation software, customers that have never had to process W2 tax forms can easily

prepare and efile  W2, W3, 1099 NEC and 1096 forms with greater peace of mind. For the tax season, businesses will need to use the new Form 1099-NEC to report nonemployee compensation for contractors.



Starting at 49.00 for the print and mail version (efile, PDF and Network version additional cost), customers can test compatibility before purchase download at ezW2 Software.

Latest ezCheckPrinting & Virtual Printer Accommodates All Versions of Quickbooks in 2023

by tammieb 11. January 2023 16:21

Quickbooks customers save money and time with ezCheckprinting and virtual printer combo in 2023. Print unlimited checks for unlimited accounts with one single installation.  



Starting as low as $99 per installation for a single-user license key for the Quickbooks compatible version. (additional cost for network version) Customers can download the trial version of ezCheckPrinting at Download and sample all of the software’s features at no obligation To remove trial from checks,  customers simply purchase a license key (available on the download page).



Service Industry Businesses Can Print W2, W3, 1099-NEC and 1096 Forms, In-House With New EzW2 2022 Software

by tammieb 6. January 2023 09:03

2022 ezW2 has been released to easily file W2, W3, 1099-NEC and 1096 forms, in-house for service industry companies. Try it at no cost or obligation by visiting




No price increase from last year! Beginning at only $49 for the small business paper printing version ($99 for the new enterprise version)

ezW2 software automates the process of completing, printing and filing all W2, W3, 1099-NEC and 1096 forms. Download and test drive at ezW2.

Latest ezCheckprinting Software Assists Home Improvement Contractors Streamline The Business

by tammieb 8. October 2021 12:55


Potential  customers are invited to download the trial version at  with no obligation.  The only restriction to the trial is  that “TRIAL” appears on checks and reports

until the key is purchased and added.  The great news about the trial version is all data entered in the trial version will remain once the key is purchased and input to the already downloaded software. No adding data twice!

New ezPaycheck Bundle Gives Small Business Owners A Faster Way For Payroll and Tax Form Processing

by tammieb 5. October 2021 12:06

ezPaycheck payroll software accommodates small business owners as a faster way to process payroll and tax form processing in one quality application.  Get the details by visiting

New and seasoned business owners are invited to visit

and download ezPaycheck for up to 30 days with no cost or obligation.

Handle Payroll And Business Tasks With New ezAccounting Bundle Version 2021-2022 For A Limited Time

by tammieb 20. September 2021 11:49 gives small to midsize business owners a new bundle version to start ezAccounting immediately for the current 2021 and upcoming 2022 calendar year.  Download and test for compatibility at

Accounting software designed with small businesses in mind: simple, reliable and affordable. ezAccounting is the right in house accounting solution for small businesses needing to document and report on incoming and outgoing cash flow including sales, receipts, payments and purchases. It also supports payroll processing and tax form printing.

Potential customers can now download and test it for up to 30 days with no obligation to purchase. Test drive at

The Latest ezPaycheck Payroll 2021-2022 Bundle Software Offers Lower Price For A Limited Time

by tammieb 15. September 2021 05:49

The 2021-2022 bundle version of ezPaycheck is available for a limited time at $159.00 to business owners searching for a less expensive way to process payroll. Try the software at at no obligation.

Priced at $119 per installation and released each per calendar year ($159.00 for the 2021-2022 single installation bundle version is available for a limited time), ezPaycheck payroll software is affordable for any size business.  To start the no obligation 30-day test drive today, please visit


EzCheckPrinting and Virtual Printer Combo Supports Unlimited Companies For QuickBooks Customers

by tammieb 11. August 2021 14:45

Business owners utilizing QuickBooks that want to have an unlimited amount of accounts are turning to ezCheckprinting and Virtual printer for better flexibility.



ezCheckPrinting and virtual printer from allows both Quickbooks online and desktop users to add unlimited companies within one single installation at no additional cost. Quickbooks customers can easily print on blank check stock for $99.00 with no hidden or recurring fees.

Download and try it at no cost or obligation at:

EzCheckPrinting Supports Unlimited Companies For New and Established Business Owners

by tammie 12. July 2021 14:34

Business owners are turning to ezCheckprinting for better flexibility and support in processing checks for unlimited accounts with one single installation version for 39.00!

Download and try it at no cost or obligation at


Features and highlights included are:

- Supports unlimited clients 

- Add a company logo and other customizable design features for a professional, corporate look to 

- No limit to the number of accounts that can be used

- Print an unlimited number of checks

- Prints MICR characters accepted by most banks (for use with laser printers) — no need to order expensive checks pre-printed with bank information

- Use blank check stock or pre-printed checks in check-on-top, check-in-middle, or check-on-bottom formats

- Customizable report features that are easy to use

- Export and import of check data for use with ezTimeSheet, Excel file, QuickBooks, Microsoft Money, and other accounting software. Released New MAC ezPaycheck Software To Allow Processing Payroll from Anywhere

by tammie 9. June 2021 19:28 has just released the ezPaycheck MAC version to enable customers to process payroll from anywhere customer desires.  For details and trial download visit

Customers seeking a way to simplify payroll processing with more accuracy can go online to, and download the payroll software. The download includes the full version of the paycheck software along with a sample database.

EzCheckPrinting & Virtual Printer Gives Customers Using Quickbooks A No Validation Fee, Promise!

by tammie 28. May 2021 07:23


Customers using Quickbooks can now utilize the latest ezCheckprinting and virtual printer combo to print on blank check stock without worry of recurring costs or check validation fees.    The team prides itself on eliminating astronomical, hidden or recurring fees to all customers.   


Starting at just $99.00 for a single user installation. Customers can download the  trial version of ezCheckPrinting and virtual printer,  at 

and sample all of the software’s features at no cost or obligation. 

Newest ezCheckPrinting Software Has No Validation Fees, Yearly Cost or Hidden Costs

by tammie 16. October 2020 12:17 now offers ezCheckPrinting business customers another way to save money by eliminating validation fees or hidden or recurring fees.  Learn more with the no cost demo version at

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business management | business management

ezPaycheck 2020-2021 Bundle Version Is Now Available In A Network Version At a Lower Cost

by tammie 8. October 2020 11:22


ezPaycheck payroll software 2020-2021 bundle version is now being offered as a network version for a discount for a limited time.  Please visit to download the no obligation trial version.





Priced at $109.00 per computer, per calendar year (2020-2021 network bundle version is available at $139.00 for a limited time), To start the no obligation 30-day test drive today, please visit



business management

ezPaycheck Payroll Software Now Available for a Limited Time with Special Pricing For New Customers

by tammie 25. September 2020 04:03

ezPaycheck 2020 business payroll software from  has just been released with a special cost of only $79.00 for a single user version.  Consumers should act fast to get this deal as it is for a limited time only.

. Potential customers can download and try this software for at no obligation or cost at

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business management

ez1099 2020 Is Now Available From For Processing 1099 Forms For the Upcoming 2020-2021 Tax Season

by tammie 27. August 2020 06:37

Preparation for 1099 forms for 2020-2021 tax season  is now available in the new ez1099 2020 software and now includes the 1099-NEC form .  Get the trial version at no cost or obligation at


ez1099 2020 tax preparation software from has just been released  to accommodate accountants, HR managers and employers that want to process 1099 tax forms in-house for the upcoming 2020-2021 tax season.   

ez1099 2020 supports the  following  IRS forms: W2G, 1099-OID, 1097BTC, 1098s (1098, 1098C, 1098E, 1098 T), 1099s (1099A, 1099B, 1099C, 1099CAP, 1099DIV, 1099G, 1099H, 1099INT, 1099LTC, 1099MISC, 1099OID, 1099PATR, 1099Q, 1099R, 1099S, 1099SA), 5498s(5498, 5498ESA, 5498SA), 8935, 3921, 3922, 1096. JUST ADDED THIS YEAR-- 1099-NEC form!


business management | business

Covid-19 Employee Tax Credits Included in New 941 Form For Customers Using ezAccounting Software

by tammie 23. July 2020 07:01 has updated  ezAccounting business software to include 941 form with Covid-19 employee tax credits. Test drive with no cost or obligation at



New Businesses Are Switching To ezAccounting Software For Greater Security With Stand Alone Version

by tammie 3. June 2020 12:58


Businesses can not afford to lose accounting and payroll data through security breaches. ezAccounting  software from is a desktop version stand-alone accounting and payroll software. Customers can track sales and print paychecks, forms, invoices & receipts without internet connection.


EzAccounting software is designed to cater to the needs of small to midsize business owners and  entrepreneurs

Potential customers can download and try this software with no obligation or cost at:

Latest ezCheckprinting Business Check Writer Caters to Home Based Business Owners

by tammie 27. May 2020 11:21


ezCheckprinting caters to home based business owners by way of saving time and money with stand alone applications from

Starting at just $39 per single user installation, ezCheckPrinting is affordable for home based businesses and is compatible with all popular brands of laser printers as well as pre-printed and blank check stock. Creating and printing  a check is simple with ezCheckPrinting.  Simply, enter the date, payee’s name and amount payable to the payee. This check writer will automatically convert numbers to words.  Potential customers can download the trial version at at no cost or obligation. Offers ezPaycheck Payroll Software in Macintosh For New Entrepreneurs

by tammie 19. May 2020 12:51

ezPaycheck software gives entrepreneurs an in-house solution to the business payroll process. The new Mac version is available to test drive at
 realizes new business owners have enough to worry about without adding payroll headaches to the mix.  ezPaycheck has just  been released in a MAC version to assist entrepreneurs in processing payroll, in house for less.  Download and test with no cost or obligation at

ezCheckPrinting & Virtual Printer Accommodates Remote Servers For QB Customers Working Remotely

by tammie 16. April 2020 10:26


QuickBooks customers that have growing businesses  get accommodation when using a remote server when utilizing the latest ezCheckprinting and virtual printer network version.  Download at no cost or obligation at

Download at no cost or obligation by visiting

Latest ezPaycheck 2020 Payroll Software Offers Peace of Mind for Clients Who Need to Work Remotely

by tammie 29. March 2020 09:09


Whether clients need to work remotely or in an office, ezPaycheck is an easy software to utilize for processing payroll, W2, W3, 940 or 941 forms as well as miscellaneous vendor checks.. gives a no cost or obligation trial period for new customers to test the software for compatibility before purchase. This offers peace of mind to anyone that is new to processing payroll, remotely.

Customers can download and test drive it at no risk or obligation at

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business management | Working Remotely

Returning Customers Appreciate Quick Import Feature With Newest ezW2Correction Software

by tammie 11. March 2020 10:41 caters to both returning customers as well as new customers in the latest 2019 ezW2Correction.  The ideal feature for returning customers are the two options for importing data. Data may now be imported from a CSV file or from an efile document.  These features from developer’s will offer peace of mind and quicker processing for W2 and W3 Correction forms.


Download and test the product with no cost or obligation at


Business | business management | W2 and W3 Correction

W2C Filing: Newest ezW2Correction From Eliminates Pre-printed Red Forms

by tammie 18. February 2020 11:24

The 2019 version of  ezW2Correction software is helping businesses cut costs by eliminating pre-printed W2 and W3 correction forms (SSA Approved). Download and test drive this software at


ezW2 Software Customized For Small Businesses And Gets Extended Customer Support for January 31 Deadline

by tammie 27. January 2020 18:58


The due date for filing 2019 forms for both SSA and recipient copies W2 and W3 is January 31, 2020.  This is for both paper form filing or electronic filing. Business owners will have added peace of mind as is offering extended technical support hours for last minute processing with ezW2 2019 tax preparation software. 

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Business | business management | Halfpricesoft news

Top Companies Started During a Recession

by admin 26. September 2011 06:14

The economy is barely growing right now, however owning a business is still a dream shared by a lot of people. Is a recession actually a good time to launch a company? From General Electric to Microsoft, some of the biggest names in business were started during tough times. 

Here's a look at some of the more well-known survival stories from past recessions: 

·         General Electric: 1890

·         IBM: 1896

·         General Motors: 1908

·         Disney: 1923

·         Tollhouse Cookies: 1933

·         Burger King: 1953

·         Microsoft: 1975

·         CNN: 1980

·         Apple: 2001


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business management

New Credit Card Scam to Watch Out For

by admin 12. April 2011 10:08

We just received the following message from one friend and decided to share it with friends here.


Just a heads up for everyone regarding the latest in Visa fraud. Royal Bank received this communication about the newest scam. This is happening in southern Alberta right now and moving.

This one is pretty slick since they provide YOU with all the information, except the one piece they want..

Note, the callers do not ask for your card number; they already have it.

This information is worth reading By understanding how the VISA & MasterCard telephone Credit Card Scam works, you'll be better prepared to protect yourself. One of our employees was called on Wednesday from 'VISA', and I was called on Thursday from 'MasterCard'.

The scam works like this:

Person calling says - 'This is (name), and I'm calling from the Security and Fraud Department at VISA. My Badge number is 12460, Your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona ?'  When you say 'No', the caller continues with, 'Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?' You say 'yes'.

The caller continues - 'I will be starting a Fraud Investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security. You will need to refer to this Control Number. The caller then gives you a 6 digit number. 'Do you need me to read it again?'

Here's the IMPORTANT part on how the scam works - The caller then says, 'I need to verify you are in possession of your card'.  He'll ask you to 'turn your card over and look for some numbers'. There are 7 numbers; the first 4 are part of your card number, the last 3 are the Security Numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card.  The caller will ask you to read the last 3 numbers to him. After you tell the caller the 3 numbers, he'll say, 'That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card  Do you have any other questions?'

After you say no, the caller then thanks you and states, 'Don't hesitate to call back if you do', and hangs up. You actually say very little, and they never ask for or tell you the card number. But after we were called on Wednesday, we called back. Within 20 minutes to ask a question. Are we were glad we did!  The REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of $497.99 was charged to our card. We made a real fraud report and closed the VISA account. VISA is reissuing us a new number.. 
What the scammers want is the 3-digit PIN number on the back of the card. Don't give it to
 them.  Instead, tell them you'll call VISA or Master Card directly for verification of their conversation..

The real VISA told us that they will never ask for anything on the card as they already know the information since they issued the card! If you give the scammers your 3 Digit PIN Number, you think you're receiving a credit; however, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult to actually file a fraud report.

What makes this more remarkable is that on Thursday, I got a call from a 'Jason Richardson of MasterCard' with a word-for-word repeat of the VISA Scam. This time I didn't let him finish. I hung up!  We filed a police report, as instructed by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain , and so on through the above routine..

It appears that this Is a very active scam, and evidently quite successful.


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business management

10 Mistakes That Start-Up Entrepreneurs Make

by admin 15. September 2010 01:46

10 Mistakes That Start-Up Entrepreneurs Make

by Rosalind Resnick

Here, in my experience, are the top 10 mistakes that entrepreneurs make when starting a company:

1. Going it alone. It's difficult to build a scalable business if you're the only person involved. True, a solo public relations, web design or consulting firm may require little capital to start, and the price of hiring even one administrative assistant, sales representative or entry-level employee can eat up a big chunk of your profits. The solution: Make sure there's enough margin in your pricing to enable you to bring in other people. Clients generally don't mind outsourcing as long as they can still get face time with you, the skilled professional who's managing the project.

2. Asking too many people for advice. It's always good to get input from experts, especially experienced entrepreneurs who've built and sold successful companies in your industry. But getting too many people's opinions can delay your decision so long that your company never gets out of the starting gate. The answer: Assemble a solid advisory board that you can tap on a regular basis but run the day-to-day yourself. Says Elyissia Wassung, chief executive of 2 Chicks With Chocolate Inc., a Matawan, N.J., chocolate company, "Pull in your [advisory] team for bi-weekly or, at the very least, monthly conference calls. You'll wish you did it sooner!"

3. Spending too much time on product development, not enough on sales. While it's hard to build a great company without a great product, entrepreneurs who spend too much time tinkering may lose customers to a competitor with a stronger sales organization. "I call [this misstep] the 'Field of Dreams' of entrepreneurship. If you build it, they will buy it," says Sanjyot Dunung, CEO of Atma Global, Inc., a New York software publisher, who has made this mistake in her own business. "If you don't keep one eye firmly focused on sales, you'll likely run out of money and energy before you can successfully get your product to market."

4. Targeting too small a market. It's tempting to try to corner a niche, but your company's growth will quickly hit a wall if the market you're targeting is too tiny. Think about all the high school basketball stars who dream of playing in the NBA. Because there are only 30 teams and each team employs only a handful of players, the chances that your son will become the next Michael Jordan are pretty slim. The solution: Pick a bigger market that gives you the chance to grab a slice of the pie even if your company remains a smaller player.

5. Entering a market with no distribution partner. It's easier to break into a market if there's already a network of agents, brokers, manufacturers' reps and other third-party resellers ready, willing and able to sell your product into existing distribution channels. Fashion, food, media and other major industries work this way; others are not so lucky. That's why service businesses like public relations firms, yoga studios and pet-grooming companies often struggle to survive, alternating between feast and famine. The solution: Make a list of potential referral sources before you start your business and ask them if they'd be willing to send business your way.

6. Overpaying for customers. Spending big on advertising may bring in lots of customers, but it's a money-losing strategy if your company can't turn those dollars into lifetime customer value. A magazine or website that spends $500 worth of advertising to acquire a customer who pays $20 a month and cancels his or her subscription at the end of the year is simply pouring money down the drain. The solution: Test, measure, then test again. Once you've done enough testing to figure out how to make more money selling products and services to your customers than you spend acquiring those customers in the first place, roll out a major marketing campaign.

7. Raising too little capital. Many start-ups assume that all they need is enough money to rent space, buy equipment, stock inventory and drive customers through the door. What they often forget is that they also need capital to pay for salaries, utilities, insurance and other overhead expenses until their company starts turning a profit. Unless you're running the kind of business where everybody's working for sweat equity and deferring compensation, you'll need to raise enough money to tide you over until your revenues can cover your expenses and generate positive cash flow. The solution: Calculate your start-up costs before you open your doors, not afterwards.

8. Raising too much capital. Believe it or not, raising too much money can be a problem, too. Over-funded companies tend to get big and bloated, hiring too many people too soon and wasting valuable resources on trade show booths, parties, image ads and other frills. When the money runs out and investors lose patience (which is what happened 10 years ago when the dot-com market melted down), start-ups that frittered away their cash will have to close their doors. No matter how much money you raise at the outset, remember to bank some for a rainy day.

9. Not having a business plan. While not every company needs a formal business plan, a start-up that requires significant capital to grow and more than a year to turn a profit should map out how much time and money it's going to take to get to its destination. This means thinking through the key metrics that make your business tick and building a model to spin off three years of sales, profits and cash-flow projections. "I wasted 10 years [fooling around] thinking like an artist and not a business person," says Louis Piscione, president of Avanti Media Group, a New Jersey company that produces videos for corporate and private events. "I learned that you have to put some of your creative genius toward a business plan that forecasts and sets goals for growth and success."

10. Over-thinking your business plan. While many entrepreneurs I've met engage in seat-of-the-pants decision-making and fail to do their homework, other entrepreneurs are afraid to pull the trigger until they're 100% certain that their plan will succeed. One lawyer I worked with several years ago was so skittish about leaving his six-figure job to launch his business that he never met with a single bank or investor who might have funded his company. The truth is that a business plan is not a crystal ball that can predict the future. At a certain point, you have to close your eyes and take the leap of faith.

Despite the many books and articles that have been written about entrepreneurship, it's just not possible to start a company without making a few mistakes along the way. Just try to avoid making any mistake so large that your company can't get back on its feet to fight another day.



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business management

how to cut business cost

by admin 29. June 2010 03:17

U.S. economy is still in the recession -- unemployment rate is still high, the value of the home is continuing to slide in some area and consumers are continuing to temper their spending habits. This downturn could be longer and deeper than we anticipated. Most small businesses experience ups and downs. Any reduction in expenses is always welcome and could be result in increasing your profits. A penny saved is more than ever a penny earned.

Here are a few relative painless ways to cut cost and make your business more robust. 

Use Free Services

Why pay for something you don't have to? There are a lot of free stuffs on the internet. Web sites, e-mail addresses, fax numbers and conference call services are all among the options business owners can use for little or no charge at all.

Just enter "free phone service" or "free xxxx" in Google, you will be amazed at what come up, from free check paper, free check printing software to free web hosting service. (check the video on "How to print check at $0 cost").

Do It Yourself

How much you pay your accountant each month? $200? With less than $100 priced easy-to-use payroll software like ezPaycheck from, you can handle the payroll job easily yourself. Most payroll software can be downloaded from the website and try free for 30 days. Just pay the software after you feel comfortable.

And do you hire a professional to create to e-letters or flyers? With software like Microsoft Office Publisher, you can select from pre-built templates to quickly and easily create professional-looking e-letters or print the flyers advertising a sale in house with a color printer. Outsourcing

Outsourcing does not always mean sending your business oversea. This is an idea to find talented people not limited in your local geography. From, or other websites, you can find web master, bookkeeper and other people that work for you on a subcontract basis.

Marketing Efficiently

If you mail a printed newsletter or coupon to customers, would it be more cost-effective to send out an e-mail? You can save not only printing and paper cost, but also postage.

Instead of buy advertisement from traditional news paper, you can also market online. If you have money, you can use pay-per-click program from Google, Yahoo or other companies. But do not forget there are still a lot of free and effective ways to marketing your company online, such as blog, bookmark, article-marketing, directory-marketing, press release, email-marketing and so on.

If you sell digital products such as software, TrialPay is also an effective and free way to promote your products. 

Cut Transportation Cost

The gas price is still high now. Here are some questions to ask: - Do all your sales or services calls need to be in person? Can you help your customers with internet-based technologies such as web conferencing and tools?

- Can your company allow full-time employee to telecommute? It will cut your rent expense, travel and fuel costs. And some studies have shown the employee work from home have increased output and enthusiasm.

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business management

10 Ways to Deny the Recession

by admin 25. June 2010 02:59

Strategies to grow your company in spite of tough times

By Paul Spiegelman   |   June 23, 2010

  1. Become Indispensable
  2. Invest in the Future
  3. Seek Out Referrals
  4. Buy Weaker Companies
  5. Strengthen Your ROI Pricing Offers
  6. Be Loyal and Focus on Retention
  7. Maintain a Fun Environment
  8. Celebrate Being Small
  9. Don't Leave Room for Doubt
  10. Fight the Urge to Give Things Away

       Bonus Tip: Drop Unprofitable Customers

Read full article at:




business management

Google Voice Now Available to Everyone in U.S

by admin 23. June 2010 04:23

Google Voice is now available for everyone (provided you have a U.S. phone number). Mid and small business may benefit from this cost-effective tool.

Explore some of the most popular features of Google Voice by watching these videos:


View Google Voice on YouTube


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