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<p>[QUOTE=&quot;ToughCOINS, post: 1949800, member: 20480&quot;]I maintain a zero balance with PayPal by transferring the funds to my bank account when recording each sale.</p><p>&nbsp;</p><p>PayPal sources funds for all purchases from my credit card, which I pay off with a check at month&#039;s end. </p><p>&nbsp;</p><p>The only downside is refunding for a return.&nbsp; When I issue a refund my PayPal account sits negative for <u>3 days</u> waiting for the funds to clear my bank (this <b>is</b> the electronic age, is it not?).&nbsp; Until that time, my account goes on hold . . . fortunately, I&#039;ve only had 3 or 4 items returned in 7 years time.</p><p>&nbsp;</p><p>On the upside, I accumulate plenty of points on my credit card, am reminded to be very disciplined about my cash flow being positive (card is AMEX), and keeping my PayPal balance at zero will not attract the attention of a PayPal insider looking for a way to put his feet up (I&#039;m sure someday we&#039;ll read about some genius at PayPal running off with millions of OPM).[/QUOTE]</p><p><br /></p>

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