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>> they believe it will be extented again in february. >> bret: but all they are agreeing to, is two months. so i get conventional wisdom in this town and i get the politics. there is a question, however, about lo listics of passing a two-month payroll tax cut. you had neutral parties like the payroll services. that say it jo listicly is difficult to do. and two, why isn't the onus then on the senate now to negotiate the full year? >> well, the onus technically is on the senate because the house was able on the floor to do what is technically reject the senate amendment. and request a conferen...

Know, fedex shipping, on check printing, on payroll services, all kinds of businesses. you go to costco, it's the same thing. they offer 401(k) plans. i mean, it's all over the place. so it doesn't surprise me. it's a brilliant marketing strategy. >> you've got a lot of deals being offered by target, toys "r" us, staples, home depot. i want to start with target. starting in the fall they're going to offer 5% off total purchases for customers that use the target card. is that a good move or bad move when it comes to interest rates on the cards? >> it's a good move, but you have to remember, thi...

Those homes sold a 27% discount. which means if you're sitting in your house, and your neighbor's house just sold in foreclosure at a 27% discount, that's going to affect your neighborhood. so watching these numbers in if places like nevada and florida, it's been amazing how cheaply some of these condos are turning up. you know, they built up these big, speculative bubbles and now that bubble has popped and so you're still seeing the fallout from that. second thing i wanted to tell you about is the jobs market, because friday we're going to get this big jobs report and it will be interesting t...

Present "your business" on msnbc. hi there, everyone. i'm j.j. ramberg, and welcome to "your business." the national payroll association says that at least one third of the private american workforce is paid not directly by their employer but through independent payroll services. these services can seem like a godsend for small business owners who have plenty on their plate already, but for this kind of service to work, it means that you trust them with large amounts of your money. something that shouldn't be a problem if there are mechanisms in place to protect you from fraud, but as we fou...

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