With Online Bill Pay, you can securely pay your bills whenever you want. No more writing checks. No more stamps and envelopes. Online Bill Pay with your credit union allows you to pay any bill, any person and any company, without ever touching a pen. It does not matter if your bills are paper or electronic. Online Bill Pay will make the payment for you. Best of all, it's fast, easy and free!

I love paying my bills online. In fact, I think I've only written three or four checks in the last year and they were all sent to individuals, not a company. I really love the convenience. So, besides the convenience of online bill pay, what are the other advantages of paying bills online?

Save Time . I can pay a stack of bills in less than 10 minutes and that includes signing in to my online account.

Save Money. Now that a first class stamp costs $ .49 it makes paying your bills the old-fashioned way pretty expensive. If you have 10 or more bills every month you will be spending approximately $ 5 per month. Online bill pay at most credit unions is free so that adds up to a savings of $ 60 per year.

Increase Security. Using online bill pay can help prevent identity theft and give you additional security to your transactions. Online bill pay at most credit unions use the latest technology and security to keep your financial information secure.

Support the Environment. It's amazing how much can be made if everyone makes an effort to improve the environment. Did you know reducing the amount of paper that is used saves forests and reduces greenhouse gasses and fuel emissions? Less paper means more green. Check out Pay It Green to find out other steps that can be taken to improve the environment by using online bill pay.

The benefits described above are the most obvious but there are many more:

  • Pay bills from anywhere.
  • Control when bills get paid to avoid late fees.
  • Pay bills individually or in batches.
  • Schedule one-time or recurring payments.
  • Access your payment status and payment history.
  • Only enter payee information once with convenient customizable payee list.
  • View selected billing statements from payees online.
  • Arrange e-mail alerts for bill arrivals, due dates and upcoming payments.
  • Skip or modify a single instance of a recurring payment.
  • Run payment reports and create custom reports.
  • View your payments up to six months in advance with the payment calendar.
  • View recently processed and pending payments on the main bill payment screen.

Mobile access to check balances, transfer funds and pay bills from your cell phone or other mobile device.

There has been a burst of technological advances over the past several years so it surprises me that more people have not started using online banking. I'm urging you to take advantage of online bill pay to save time and money, decrease clutter and most importantly improve your financial management. …

Travel insurance policies come in different types of packages, with all manner of options and choices. It is designed this way for a reason, of course. You would not want to pay for cover that you are unlikely to need, or skimp on cover you should have.

A basic policy may be adequate, or you may find you’ll be more comfortable paying a bit more to obtain higher levels of cover, as needed. It often depends on where you plan to travel. Let’s say you plan to travel to a destination such as Madagascar, which has limited medical facilities. In the case of a serious medical emergency you may have to be transferred by air ambulance to another country for treatment. Therefore, you would be wise to pick a policy that offers the maximum cover for medical emergencies. It should also include cover for air ambulance and medical repatriation. If you check you may find that a very cheap policy does not include this cover.

You will need to decide whether to opt for a Single Trip or Annual Multi-trip policy. If there is any possibility that you may take more than one trip in a year the Annual policy is normally the best value for money. On many policies children are included free – which is a major saving for family holidays.

Travel insurance premiums normally increase depending on where in the world you are travelling. For example, the cost of travel insurance for a British citizen travelling to Europe would be less than if they were flying long-haul to a destination such as North America or Australia.

Most travel insurance companies offer different levels of cover so that you can choose. Paying a bit more for the next level should affect the amount the insurer will pay on a claim, or increase the amount of items covered. Pay attention to the amount of Excess (Deductible) included as it may be much higher on a cheap policy. (This is the amount you have to pay towards a claim). To keep the premium very low it is often the case that levels of cover have been cut or the amount of Excess increased.

When it comes to pre-existing medical conditions the cost may increase dramatically for serious pre-existing conditions, or the insurer may not offer cover at all. Most often though the average company will agree to cover a specific condition for an extra premium, or with the understanding that any claims related to the condition are excluded. This can be a bitter pill to swallow for those that are affected.

Unfortunately, it is a fact that travel insurance for seniors is usually more expensive because of the assumed increased risk of a medical problem arising – despite the fact that our seniors are probably healthier these days than they have ever been!

Winter sports (skiing/snowboarding) insurance can be added to a typical travel insurance policy for an additional fee. Other add-ons may include cover for activities such as:

  • Business

Self gratitude is the ability to appreciate self without the benefit of an outside influence and it is something that is very difficult for most people to do though without a doubt it is the most powerful thing any of us can learn to do.

There are so many different tools and systems to success that it could boggle the mind if one was to spend too much time looking around at all the options. There is, however, a single unifying thread that makes any or all tools and systems work – or not – the user. Each tool and system is powered by how the user feels about them selves. Gratitude in any form is a powerful attitude that will net results, however self gratitude is a power tool that can change all things. It is the key to personal success – whatever that means to you.

Many of us picked up where our parents left off with the practice of berating ourselves anytime our performance is less than what we perceive as our very best or beyond our capability. In many cases, we have set ourselves up by expecting the impossible which we can’t live up to, and then beating on ourselves for not being able to live up to our expectations. For those of us who do that, we have left little or no room to let ourselves off the hook.

The interesting thing about that little game with ourselves is that like our parents, we would never reward ourselves for substandard performance. Having a successful business that offers freedom and flexibility is a very big reward – that would feel much like it would have felt if our parents actually did buy us that brand new Porche for our 18th birthday. The problem is, few of us actually feel deserving of rewarding ourselves with such a big prize.

There is hope in the power tool called self gratitude or self appreciation; it’s just a matter of learning how to use it and applying it as consistently as possible. Here’s the rub: Often, people will dive on this idea and try and perform it perfectly – which is nearly impossible at the best of times never mind just starting out – allowing their ‘not good enough’ thinking to propel them right back into the ‘beat them selves up’ game.

It’s time to tell ourselves, ‘enough already!!’ It is time to break that self defeating heart breaking cycle that keeps us from grabbing the golden ring, that is – in every respect – our birthright. What that means is that learning to practice self appreciation requires that we begin to appreciate ourselves when we are less then satisfied with our accomplishments as well as when we are satisfied. It’s time to get off our own backs!!

But how do you get there?

Most of us are used to making a to-do list so that might be the easiest place to start. How about starting a ‘done’ list? I …

Many people wish they could learn the secrets of how to make money online. For those that would love to run a successful online business, it would be quite invigorating to realize that there are many successful ways in order to earn profits from such a business venture. Of course, some methods are more preferred than others and that is why it is helpful to stick with those ventures that are considered the most effective of all. Without a doubt, one of the most successful means that one can make money via online means would be affiliate marketing.

When it comes to answering the question of how to make money online, most people will mention that some of the largest money made on the internet is through affiliate marketing. This is not an overstatement or a belief based on mere recent information. The fact remains that affiliate marketing has proven to long since been an effective strategy for earning huge profits. No, not everyone has made millions with such ventures. However, there have been people that have made such profits. Allow those people to be your inspiration!

However, it is certainly advisable to look for a proper guide to setting up such an online business. When you try and muddle your way through the process, you will not find it being successful. That is why it is necessary to look towards blueprints that can help guide your through the process. These blueprint methods can help both the novice and the experienced person equally.

At the core to the success of any affiliate marketing program, there will be a need to promote search engine optimization and website development. Again, this is why it is best not to mudle through such processes on your own. You do not want to make mistakes when you venture into this territory. Rather, you will want to be as efficient and successful as possible. This is why following a proper methodology that has been established to answer how to make money online is advised. It will eliminate inefficiency and help you achieve the desired results. And by 'desired results' we mean earning money. If you are not earning money with your online business, is not much of a business is it? Rather than find yourself in such a position, look towards signing on with an affiliate marketing system or training program that will yield such great success.

But, do not assume that you will be able to make money overnight with any program regardless of how excellent it is. Time and deliberation will always be required when you are working with an online business system. This does not mean success will never be forthcoming. However, you need to be patient with the process in order to arrive at an effective result.

So, if you want to make money online, you will need to look towards the process of affiliate marketing the programs designed to deliver success. This will aid your ability to become independently wealthy at …

There are several opinions when it comes to personal injury cases. A school of thought believes that personal injury law creates an avenue for unscrupulous individuals to milk large corporations or organized businesses. Of course, every individual is entitled to his or her opinion but for a lot of people, personal injury law has created a natural lifeline, not only for them but also for their families. Without the compensation provided under personal injury law, a lot of families would be unable to survive the consequences of other people’s negligent actions. How so?

Consider this scenario: a young married father of two who gets injured at his place of work (a construction firm), due to the failure of the company to put in place certain safety precautions that would have preceded the accident from happening. There are several ways of looking at this scenario; the first consideration is the cost of treatment. This will depend on the extent of the injury and considering the high cost of adequate medical care, this is no mean feat. The father is unable to work and as such can no longer earn an income to provide for his needs and those of his family. These injuries also maintained in permanent physical disabilities and the father can no longer return to the only work he is trained for.

All of the above consequences are just a tip of the iceberg; there are many more and all because of the negligence of a company in ensuring the safety of its employees. Thankfully, personal injury law provides an avenue for victims of personal injuries to seek justice and compensation that will help them cope with these consequences. Of course, this particular example (workplace accident) is just one of the numerous cases of personal injury. Others include: car accidents, motorcycle accidents, train accidents, defective products, toxic exposure, defective drugs, animal bites, burn injuries and a host of other injury cases.

The typical compensation package in personal injury cases takes into consideration the consequences mentioned above such as: medical treatment and rehabilitation, repair and replacement of damaged property, lost present income, lost future income, non-monetary losses (pain, suffering, depression) in addition to punitive damages levied against the defendant in cases involving gross negligence. In order to receive compensation and justice in accidents resulting in injuries, get in touch with a personal injury lawyer today.

Any accident causing serious impact on your life, some emotional stress. Although it can not be measured, awarded compensation to reflect on you. If you have suffered serious injuries and medical costs would be considerable. A compensation program takes into account these costs and all expenses that will bring your attention is going.…

Where to start? Which business to choose? What direction to take? These are all the questions flooding through my mind as I decided to embark on the online business journey. It is not unfamiliar to experience doubts, tension and speculation about the various companies currently marketed online today as many make promises they can not keep.

It is like the ongoing reference of making millions in 24 hours with no effort. Realistically no one can make millions without any effort involved. Many online businesses promise consumers a get rich quick scheme that details the affiliate having to provide little effort and receive large responsibilities. Through experimenting and falling into the trap myself I experienced very little, if any, responsibilities from such companies and lost a large amount of money in the process.

Soon enough I learn that working from home can be accomplished however it involves participating within the right businesses and communicating with the right mentors. Having a sponsor available to help you every step of the way within building your online business is crucial if you want to succeed. A sponsor can not only provide advice on how to market your consumers, however more often than not they have experienced the internet business for longer and have the knowledge to direct you in making the right decisions for the long term. This is important because if you are really interested in working from home you will want to make decisions and investments for the long run in order to experience the financial freedom one dreams about.

Discipline, Attitude and Effort are the three hits that are essential in creating a business that will succeed. You do NOT want to go spending money left, right and center because you believe it will bring you more prospects. You do NOT want to possess a negative attitude and simply believe that working from home is not possible or that you will never achieve financial freedom.

Lastly you do NOT want to start out in this business with the idea that it takes little effort to achieve large results. Yes there will be sponsors, mentors and programs available to help you and reduce some effort within your online business; however it is through your time management, your 100% effort and your willingness to succeed that will truly define your career path. If you undertake your business properly consumers will come to you.

You should not have to seek or hunt down consumers or people to invest in your business. “The aim of marketing is to know and understand the customer so well the product or service fits him and sells itself”. (Peter F. Drucker 1909, American Management Consultant). This quote is very important. Read it again and again until you fully realize the significance. For your business to reach its full potential your product or service must meet the consumers needs or desires and accordingly the prospects or leads will come to you.

But in order to start an online business in …

At one point we may want to determine the size of business. This helps in knowing whether it’s growing or not. Also you ascertain the size of your business in order to plan its various aspects and requirements such as manpower, raw materials, machinery etc. Once you know the size of your firm, then you’re able to determine if it’s efficiency or not efficiency. A business can be small, medium or large size.

Every business is striving towards attaining the optimum size. What is an optimum size of a business? The optimum size is when the firm has reached its maximum efficiency. At this stage the average cost per unit of the firm is at its lowest. It is at this point that the size of the firm should not be changed i.e. increased or lowered. Usually, any business starts as a small entity and then during its operating period, it expands till it reaches the optimum size.

There are two main things that will make the firm to either attain the optimum size or not to attain it. The two things are:

1.) The kind of decision the management makes.

2.) Competition.

Eight Factors that Determine the Size of Business

There are a number of factors that you can consider in measuring the size of a business. The following are some of the factors:

1.) Total Assets

The total assets of any business determine its size. The value of all assets (current and fixed) are used in measuring the size of a firm. By comparing the total value of assets between two firms that are in the same industry doesn’t always reveal the size.

2.) Power Used

The amount of power used can be used to determine the size of business. Don’t rely on this factor as it is inaccurate because the amount of power used by any business may be more or less due to many factors such as installment of power reduction equipments.

3.) Capital Investment Factor

The amount of capital invested by shareholders in form of share capital, reserves and surpluses (net worth) determines the size of business. You can use the amount of share capital invested to compare two businesses or more that are producing similar or differentiated products.

4.) Volume of the Output

This factor is applied on those firms that are producing homogeneous goods. It shouldn’t be used in case firms are producing variety of products.

5.) Value of Output

This is another factor that determines the size of a firm; however this method is only effective in case where firms are producing variety of products and where price levels remain constant.

6.) Capacity of Plant

It is used by firms that produce similar products.

7.) Number of Employees

The number of employees employed by any business can be used to determine its size. This is done by comparing the wages paid to employees with other businesses. This factor is used where firms produce similar goods. If you use it in comparing firms …

In times of crisis and dire need some borrow from their kith and kin while some approach institutions such as banks, loaning companies and individual lenders. They play a very important role in providing the finance.

The most important thing to be considered before approaching any financial institution is a quick check on your eligibility criteria to avail of the loan. A person's credit report reflects his / her capacity of repaying the bank loan. Ample research beforehand ensures uninterrupted course of action. Thus a person going for UK loans or any other loan should apply mind over matter and equip oneself with knowledge of the process.

Broadly speaking one can classify UK fast loans into two-sub categories-secured loans in UK and unsecured loans in UK. Secured loans as the term suggests is obtaining the amount from the bank against a major asset usually your home or some other property. The collateral being large, one should act prudently before securing the same. Defaulting on your payment can cost you your home. However it is easier to obtain than unsecured loan, also the APR (annual percentage rate) of secured loan is usually lower than on unsecured loan. It may be used to finance a wedding, buy a vehicle, a business loan etc.

Unsecured loans also known as personal loans happen to be riskier for the lender than the borrower. Here is the financial structure and credit report of the borrower is scrutinized well before lending. Usually in UK it is granted to people holding first-class credit record. An unsecured loan [http://www.loans-park.co.uk/unsecured-loans.html] could have taken to make your credit card payment or a student loan or it could have been taken to invest in some business. However one of the main advantages is the speed of payout ie, the time between the application of the loan and receipt of the proceeds in your account. This time interval is shorter than that of a secured loan .

However once all of the procedures and intricacies can be solved with just a bit of simple instruction. With all the fine print in hand to read and understand, one is sure to be well informed and on the ball before taking the plunge. One should also visit several banks and lending institutions and not just cling on to one to borrow. There could be dash of difference in interest rates and other policies. A cross comparison across the table could sometimes act in favor of the borrower as the lender might just make some tweaks benefiting the borrower.

So with things like repayment periods to suit from 1- 25 years, quick decisions and prompt payout, efficient and friendly service to the customers and easy online application makes it all borrower friendly process to follow. Thus options galore of various lending institutions with their unrivaled access to different plans and amounts to suit the customer half the borrower's worry. Doing your homework well, cut shorts half the trouble and the rest is taken care by your …

Just as the word ‘ethics’ has a different definition from the word ‘etiquette,’ there is a vast difference between business ethics and business etiquette. There are even instances where you must forgo etiquette in order to remain ethical in business practices.

Business ethics is a code or a set of standards that a business adheres to. This code essentially states what is considered ethical, and what is considered unethical in terms of how the business is conducted in relation to what is best for human beings, the community, the environment, and so on. Business etiquette, on the other hand, is essentially conducting business affairs in a polite manner. It can be compared, in some ways, to dinner table etiquette.

For example, if an employee is rude to a customer, this is not unethical, but it is considered poor etiquette. It may even be against the company’s policy that relates to how employees interact with customers. One can have perfect etiquette and extremely poor ethics.

Another example of this is an attorney who has beautiful manners. In fact, his overall social and business etiquette is so perfect that he fits in well at any function, and performs well in any situation. However, if he is billing his clients for hours that he did not actually work, he is not using ethical business practices.

So, what must you do when you face a choice between etiquette and ethics? Above all else, choose to honor the code of ethics first, but have enough etiquette to try to smooth the situation over at the same time. Unfortunately, this doesn’t always work out, and one must choose ethics and let the etiquette cards fall where they may.

Have you ever seen the movie, ‘Jerry McGuire?’ This is a movie about a sports agent. He realizes, after a few nights of not getting any sleep because his conscience was plaguing him that the sports agent industry, as a whole, was rarely considering what was best for the athletes that they represented beyond the amount of money and benefits that they could negotiate for them, which in turn raised their own profits. He wrote a report about how this should be changed, and put it in the boxes of all of the sports agents at a convention.

In this fictional characters situation, ethics met etiquette in a head on collision. What he did was ethical, but not without etiquette. However, it did cost him his job, and there wasn’t much etiquette – or ethics – involved in that, mostly on the part of the company that he represented.

Again, there will come a time in your business transactions where you must choose between ethics and etiquette. Remember, however that in most cases, an unethical business decision will have a profound effect for a long time to come, while acting in a manner that is not dictated by good etiquette will usually only result in a few people talking about your poor manners for a short time. When …

Driving without the minimum auto insurance coverage required by law in your state is an indemnity. So, you have to get it even if you do not like the idea. That's the law. But, is not there more to this fulfilling the requirements of the law? I'll talk about this here and also show you how to save much on your auto insurance …

The minimum is okay if you can live with the consequences. I know you're a very careful driver. You've taken courses in defensive driving and do know how to respond effectively. Good for you, but be careful. A single lawsuit could easily wipe out your live savings and mortgage your earnings for the rest of your life. Then it would be penny wise; pound foolish. If you're luckier, it could just be the loss of your car (That's really for the very lucky ones). But for those who are exceptionally lucky, they get away with it. They drive with the barest minimum coverage and nothing ever goes wrong. That's what everyone prays for. But just imagine for a moment that the worse case scenario happens to someone who took that position.

Others learn from them. They become examples to others in a very bad way. The necessity of getting the best coverage then becomes glaring to all you witnessed their misfortune. Folks who witnessed the devastation quickly adjusted their auto insurance plans for better coverage. If you still remain unconvinced that a wider coverage is a wise move, do a little in-depth thinking.

Insurance as a whole is offered in the hope that it will never be needed. It's one thing you buy with the prayer that you never have to use it. Even insurance companies thrive on the fact that the majority of insureds will never make a claim. But whether one in a thousand or million, claims are made. The question that makes this wise step for the insured is: "Who would be that one to make the claim." If you are the one, you've actually earned. But if you never make a claim, you paid a little price for some peace of mind.

At the root of this argument is the cost of additional coverage. But what if you could get much more for the same amount? How's that possible? It is obtaining and comparing quotes. Just visit at least three quotes (preferably those owned by insurance brokers), obtain and compare quotes for better coverage. Someone saved $ 2,200 on his policy. Such a person could easily get additional coverage and still have a good amount left. Although you may not get such savings, a few hundred dollars would go a long way, do not you think? …