With Paypal the fees are on YOU the seller. Without Paypal the fees are on the buyer. But consider this. If 95+% of the people on ebay have Paypal that means only -5% DON'T! There is more interest and competition on an item when you have 95+% working with you. Hence the other -5% is not in your monitary favor.
Top-down and bottom-up design - Management and organization. 1  In the fields of management and organization, the terms top-down and bottom-up are used to describe how decisions are made and/or how change is implemented. A top-down approach is where an executive decision maker or other top person makes the decisions of how something should be done.
The very best solution for that upside down house is to turn it right side up again. The way to do that is through a principal reduction program. The problem with a principal reduction program is your bank would have to forget about that portion of debt that is underwater, and not every bank will do this.