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try this article, http://answers1.co.cc/worldclass-business-questions-part-4-you-and-your-business-10
what I can tell you about paypal.at first its your pal, but when you grow it cant be your enemy if you dont prepare.its a payment gateway that let you collect (and pay) money from credit cards, it collects the money and later you can use it to buy goods, or after a time withdraw it you your USA bank account (few other countries also allow it) - you can start from scratch, i.e. with 0 money and they will charge you 3.9% + 0.3 typically for each sell you make.remember that paypal allows your buyer to reverse the payment by any reason, and thats something you must take care of, be clear in your terms conditions and have proof of all shipment tracking numbers, and being organized your business can grow very much.