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If your recipient's bank isn't in the clearXchange network, he or she will get the money 1 to 2 business days after it's sent, depending on the other Incoming Payments.
This lets employees donate accrued vacation or PTO to colleagues who have experienced a catastrophic illness or injury and exhausted all of their accrued PTO.
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Another exception: if you received payments via electronic means such as a credit card or PayPal, the payer is not required to send you a 1099-MISC.
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The effective interest rate takes into account the fact that you are repaying your principal, but your total interest paid will not be reduced.
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