Thank you for your generous donations that allow me to continue the services I am called to give. Here are some options to pay it forward in financial terms.

1. Best option: bank transfer using email address. If you have an existing bank account with most major US banks, you can transfer money for free directly from your online banking, using the recipient’s email only. (My bank-associated email is mkozo[at]hotmail[dot]com) No account or routing number required. Here is the how-to from Bank of America, where I hold my account ) This is perhaps the best option, as it requires no additional sign-up (if you already have online banking with your bank), and has no credit/debit card or service fees for either the sender or the recipient.

2. PayPal personal transfer. When you use your PayPal Balance or bank account to fund a person transfer on PayPal, there is no fee, but it would require you to have a PayPal account. When you use credit or debit card to fund the transfer, the fee is 2.9% + $0.30 per transaction. My PayPal-associated email is mkozo[at]hotmail[dot]com, which can be used as transfer recipient.

3. PayPal donation link. I have set up a PayPal donation link. It accepts major credit/debit cards, and has a blanket fee structure of 2.9% + $0.30 per transaction, no matter what the funding source is (PayPal balance, or PayPal-associated bank account, or credit card). You can click on the button below to make a donation.