The way we do business has drastically changed over the years. Most of us don’t even marvel at being able to make payments from our cell phones while just a few years ago we had to que in banks and fill out forms.


Before money came into the equation there were transactions. I’ll give you this if I can have that. Bartering was the first step in our history of transacting. There was no monetary value against which to measure items. Items were measured in value solely based on their value to the parties involved. And so was born the principle of fair exchange. [click to continue…]


The Benefits Of Using Paypal

by Nicole Bateman on

Do you need to make transactions online? Or receive payments? Are you concerned with your transactions safety? Well then you need to look at Paypal. This online finance service started in 1998 and is one of the most established online pay and be payed services you can find. So why is this the case? well because of the wonderful benefits it has to offer to its customers. One of the most notable benefits it has is that of accepting payments in a matter of seconds which can be done very easily. Another massive pro is its ability to accept Visa, American Express, Master Card and other popular payment methods [click to continue…]


These days we are really stuck for choice when it comes to online payment systems, there are literally hundreds from different parts of the world and for different purposes, it can actually at times be really confusing and frustrating, especially if your setting up your own E-commerce store perhaps. There are a few, more than ten actually that are definitely worth looking at, but for the purpose of this article we will be looking at the ten most popular and easy to use systems available on the market today. [click to continue…]


Pay The Piper… A Little Less!

by Nicole Bateman on

It seems at times that having to keep up with all our responsibilities is overwhelming. Having to account for paying bills on time, keeping up with work schedules, and finding time to unwind and enjoy some rest and relaxation seems daunting! But there are certain things that are keeping you far away from your goal of happiness and contentment both in your emotional life and your financial life. There are key things you can do to help get you on track to financial sustainability. Here are two financial "rules" that should cut your expenses! 

1.) Keep A Diary 
It's hard to keep track of the "little" things we spend money on each day. For instance, I had gotten into a routine that had me shelling out around 50 extra dollars a day. I would get up in the morning, go to my local coffee shop, buy an overpriced coffee, get an overpriced bagel and then hop into a cab. All in all, it didn't seem like that much money. Especially, since I was using my debit card. A quick swipe and it seemed like the money never even left! Ten dollars at the coffee shop, fourteen dollars for the cab ride (to work and from work) and by the time I got to work I had already spent around thirty dollars including tips! Start writing down what you spend your money on each day and you'll be surprised at how much you can cut out. Needless to say I started using my own coffee pot and taking the train! 

2.) Don't Use Your Debit Card Regularly
Relating back to "Tip 1"… I used to use my debit card for everything! I hardly even kept cash on me. This didn't seem to be a problem until one night when I got locked out of my apartment. The Locksmiths Northampton employee, although a lifesaver, didn't accept credit…. of course I didn't have any cash. So I was forced to walk with this fine gentleman to the nearest ATM after he so nicely let me back into my apartment in the wee hours of the morning! Moral of the story? Better to be safe than sorry. In the beginning of the week take out an allotted amount of money to keep in your apartment. Each day dip into that and only spend what you've taken out for the day. It will help you budget, as well! 

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A Look at Online Payments

by Nicole Bateman on

The world has seen its fair share of different payment methods. From the early days, when people only used the bartering system, the world has seen so many changes with regard to how people transact with each other. Although almost everyone is oblivious of the history of payment methods, select scholars and hobbyists are actually very much fascinated with it. We started this site to help such people find all the information they need with regard to the history of payment methods. By doing so, we hope to help both scholars and hobbyists do great research on the subject much more easily. In this post, we are going to concentrate on a payment method that was only made possible through recent advances in technology: online payment. We are going to do this by looking through the lens of binary options trading.

Many people ask, is binary options trading good or bad? The answer is this: it depends on the brokerage one works with. By working with a legitimate brokerage that offers amazing services, one can have an amazing binary options trading experience. There are many factors that contribute to the quality of a binary options brokerage, and one of these factors happens to be their online payment scheme. Unfortunately, many binary options brokerages out there have a lousy payment system. Just how are these payment systems lousy? Typically, such payment systems do ensure that clients get their money; the problem is that they make the withdrawal process so hard for their clients. They impose unnecessary requirements and other bureaucratic procedures so that their clients’ money stays with them. Such things contribute to the bad rap online payment schemes get.

Fortunately, though, there are some binary options brokerages out there that have a great payment scheme. One of these brokerages happens to be Banc de Binary. If you ask people “is Banc de Binary any good?,” they will most likely tell you that it is, and for the reason that they make the withdrawal process for their clients very easy. Through Banc de Binary, people only have to have the minimum (yet very much necessary) requirements in order to withdraw their money. This way, the security of the brokerage’s clients is taken care of whilst enabling them to fully enjoy their earnings. Banc de Binary’s case goes to show that online payment schemes don’t necessarily have to be complicated and be abused by online businesses. A good example of such a payment system is that CRA’s.

In the future, we can expect online payment to be more streamlined. In addition to this, we can expect those who abuse their online payment system to actually lose out to their competitors in the future. As we get more and more exposed to the internet, we will definitely want the online payment method processes used by companies to become much more efficient – this will inevitably force companies to adapt their payments systems to our expectations. It remains to be seen if more advanced payment methods will end up replacing online payment in the future, but for now, we can expect online payment to be the future of commerce.

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Today, there are so many ways to send payment now that electronic transactions are possible. Electronic payments are methods that do not involve printed checks, or money is sent electronically, such as through debit or credit cards. The payment methods you can find depend on the kind of service or product being offered by a business. Since many businesses are already online, e-payments have been widely used. However, for product rentals, there are many ways to pay which also depend largely on the type of product being offered.

Cash Basis

Cash basis payments are still widely used, especially in rental services. Typically, once a customer gets the item he or she is about to rent, that would also be the time to pay for it. Sometimes, additional payment costs are required on top of the actual fees to serve as deposit charge, and once the item is returned, the deposit will be returned to the customer as well. This applies to renting costumes, formal wear, etc. Cash mode of payment is ideal for a rental business so that transaction is clear between the two parties. Once the client sees the product he is about to rent, that is the time he can pay for it.


Issuing checks is still very much in place even if electronic payments are on the rise. Most business owners still accept checks to offer flexibility to clients. They just inform them to whom the check must be made payable to.  Typically, payment must be due earlier or at the time of delivery of product, or by the time the customer receives the rented item. Car rentals or even dumpster rentals still do accept checks. Click here if you want to know more about dumpster bag rental service and the payment forms they accept.

Credit Cards

Credit or debit cards are probably still the most popular mode of e-payment. Using your credit card, you do not need to enroll in a new online payment portal just to rent something online. However, pricing could be difficult to determine for some type of rental service, such as when you rent dumpsters and dumpster bags, for the weight of the waste must be determined. Usually, how much the load weighs is pretty much estimated to know the size of the bag to rent as well as the pricing. Credit card payments are common for online rental services such as when renting cars, wedding suits and gowns, etc.

Online Portals

Secure payment portals online are largely used for online transactions. The customer just has to sign up for an account, which is typically linked to their bank, or credit card account for verification.

Renting is highly appreciated for its affordability compared to buying a new product. In this regard, payment must be safe and secure. While cash basis is still the leading mode of payment since the two parties agree on the item in person, there are still other options. Customers can freely choose the mode of payment he prefers. If you are, for instance, about to rent dumpsters or dumpster bags, you can issue a check, pay through your credit card or preferred e-payment portal. To know more about such service, you may see this here.

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Who even uses checks anymore? With advancement in technology, people have changed a lot of their ways. There are several convenient ways to pay for bills and other expenses now. Be it through cash, checks or the major credit and debit cards available, one can do all payments without having to handle cash.

That applies nowadays to checks as well.

But yesterday my washing machine broke. I tried to fix it myself at first. Thankfully, I found a really handy checklist on troubleshooting a washing machine here. Unfortunately, my problem was unfixable given the tools I had. So I needed to call in a repair guy. But when he asked me to pay and I whipped out my credit card. He just gave me a look.

He didn’t want to take the card!

Here’s how I would’ve wanted to pay for his services-

Payment by Credit Cards
Everyone has a credit card but this guy wasn’t taking it! The times when you are short on cash, you may choose to pay for maintenance by credit cards. The card will allow you to make payments and give you time to repay the money to bank. They help to build credit. This will later help you make large purchases. Most credit cards also have reward points and many other perks. The only problem with this mode of payment is that one can use the card to pay for more bills than he can afford. Repaying the bank can be a very difficult job.

Payment by Debit Cards
I also had my debit card again, but of course he couldn’t accept it. Debit cards can be used the same way as credit cards. The different between the two is mainly that debit cards use money from your bank account to pay the bills. This is a very safe way of handling money, and it is a better option than credit cards because there is no scope of overspending. You can only pay from what you have. If at any time, you need cash, you can withdraw it from nearby ATMs. Nevertheless, these cards do not help build any credit and also have less fraud protection systems.

The repair guy gave me two options to pay:

Payment by Cash
Cash is a good way to pay in-person. But I rarely keep much on me. I pay with everything use my cards so I didn’t have nearly enough to pay. Fortunately I had my checkbook.

Payment by Checks
The last time I used my check was to cross a line through and write “Void” to make a direct deposit. But fortunately, that meant my checkbook was still open! Woohoo! I was able to pull out my checkbook and pay for everything no problem.

So before you write off having a checkbook, remember that they will come in handy at odd times, and not just to fill out a direct deposit form. Occasionally, you will run into services that don’t have a card machine to accept payments, and that’s when you need a checkbook. Often times, repair oriented services only take checks. So after you’ve checked out any tutorials on appliance repair, and you still need a repair guy, make sure you have your checkbook handy. Checks may be the only way to pay them, even if you have a wallet full of cards!

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In this day and age of bitcoin and other electronic types of currency, sometimes it is nice to see plain old cash used for transactions. However, we do realize that this likely isn’t the more common approach in today’s digital age. Some industries are very picky when it comes to payment types. For instance, whereas convenience stores and small mom and pop shops likely deal mostly in cash, some other industries only deal in electronic payment methods. For this article we will focus on how payment types are used in the insurance industry.

If you don’t know much about how the insurance industry processes payments you are not alone. Ever hear of a credit default swap? Ever heard of risk transfer? Likely not. These are very complex and mostly paper payment transactions. By complex we mean that almost all “normal” everyday people would have no idea how they work. In fact, most people who possess an MBA wouldn’t be able to define these terms with any precision either. In fact if you look at the recent mess at JP Morgan Chase you will understand that even at the highest levels of companies, oftentimes no one really understands the investments they are in. This of course speaks to the complexity of our current financial situation.

In the insurance industry most premium payments are paid for through automatic transfer from a policy holders checking account directly to the insurance company. Things like auto insurance, funeral insurance policies, homeowner’s insurance, general liability coverage, etc. are paid for through the individual insureds checking account. This is so since most of these types of policies are extended to regular citizens and not large corporations. With these types of financial transactions it is almost amazing how much money is being transferred through electronic means. Very few customers of insurance companies actually pay for their premiums via personal check. The number of pure behind the scenes payments (electronic in nature) increases on an annual basis to the point that no one deals in cash or checks any more.

How about when an insurance company needs to make a payment for a covered loss? How are those payments sent? Just like the above examples, when an insurance company makes a payment they are generally using wire transfer of some kind. For instance, for large life insurance policies that are payable upon an insureds death, the payout is usually paid to the beneficiary through an electronic transfer to their checking account. In a small slice of those payments an actual live check would be sent, however, the more common way these days is through electronic transfer. How about when an insurance company has to pay an auto body shop for repairs to an insureds car? These buck the payment trend in some fashion in that those payments are made by check, and sent through U.S. Mail Service.

In the end, we can see that insurance payments are going the way of most payments these days and that is electronic methods of payment. We can envision a point in the not to distant future whereby all payments are electronic, and cash, actual physical bills, are a thing of the past.

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Online loans have actually rapidly turned into one of the fastest as well as most convenient ways to go about getting funding for any reason. Online loans can be made use of for personal, company, car or mortgage use oftentimes, and it’s excellent to know that funds can be moved to your savings account just by filling out an application form online.
Different Online Loans Available To You

As with other sorts of loans, there are lots of different types of online loans that are offered, and these different types can all be utilized for various or specific purposes.If you would like to find out more about getting quick cash online, than visit this site.

Automobile Loans

Automobile loans are some of the most popular loans around, whether it be on the web or not. Auto loans online can be excellent due to the fact that they allow people to obtain the vehicle that they truly want as long as they can pay for it and make a set regular monthly payment which will of course include interest. Rather than needing to save up for years to get the vehicle that they truly wish to drive, they can simply get a car loan which will allow them to have the vehicle immediately and pay it back over time.

Business Loans

Company loans have actually been around for years. Getting great financing for business is crucial because when you require a loan for your company and you have  a running business, sometimes you do run into cash flow a lump amount can really assist you get going.

Business loans can be a little different since financiers normally want to know how you prepare to earn profits and obviously settle the loan in time with the earnings that you’ve made. Showing investors that you have a method to start earning revenue rapidly will assist you get a company loan and receive the funding that your company really needs.

Personal Loans

Personal loans can be gotten and got for virtually any reason you can possibly imagine. All you have to do is have credit that the loan provider will accept and a stable income and you will likely be able to get an individual loan. Like with personal loans that are not online, a personal loan can be dispatched to your checking account usually within a couple days, sometimes even hours.

While it’s important to handle the money that you obtain from an individual loan really sensibly, you likely will not have to divulge too much about exactly how you prepare to use it. Simply basic info about how you prepare to utilize your personal loan usually works, unlike a business loan where a flowchart and advanced charts of how you plan to make earnings are typically vital.

If you’re trying to find a loan online, there are tons of great places to get your loan and get the financing you need.


There is a variety of reasons people are choosing online shopping – even for cosmetics. First of all is probably the convenience factor. Many nowadays try to avoid busy shopping centres. And why not have your purchases delivered to your door? Not only are you able to take your time in making your choice without being badgered by a sales assistant but then there is the obvious benefit of paying online. Paying online used to cause concern but with the security of online payments having increased to such a degree, people are more at ease shopping online. There is a variety of online payment methods so the shopper can choose whatever makes them feel least at risk. One thing is for sure, paying online sure beats carrying cash around or running the risk of your card being cloned!The Advantages and Disadvantages of shopping for Cosmetics and Beauty Products Online

There is however the important matter of establishing the integrity of the product you wish to purchase. There are still sites online offering cosmetics, skin and other beauty product that have not been properly tested. Do your research thoroughly and ensure that you are not disappointed.

The choice is almost overwhelming. Especially for products that promise to reverse the appearance of aging skin. Wrinkle reducers, dark spot remover (insert link) and many more. However, be sure to spend your money only after doing your homework.

Another drawback to online shopping for cosmetics and beauty products,  is that the opportunity to try before you buy is lost. Many choose to only purchase these kinds of products online, if they have previously used a specific brand. For instance when shopping for compact or foundation – how do you colour match? Perhaps it is a better idea to choose the product in store, write down the details and then buy online.

Once you have done your homework, why not shop in the peace of your own home (usually at a better price than in store) and have your product delivered to your door? There can be no good reason not to.


Online Shopping Made Easy By Google

Google has been intrinsic to the development of the online market. Starting with making it easier to to find the product for which you are searching. Due to Google’s superior algorithm, it provides the best quality results to searches. It makes sense to keep up with Google as it seems to dominate all that is […]

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Paypal vs Google Checkout

Last year Google Checkout achieved a world renowned acceptance over Paypal. Being aimed at Paypal it hit its mark and some more. Paypal however excelled as well over the same year Especially recently there has been a massive upsurge in the amount of online purchases and online bank transfers that Paypal and Google Checkout are […]

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How Manage your Credit Card

There are two main aspects to managing your credit card. Firstly, raising your credit score and secondly making sure you get the best deal.   Raising your Credit Score The most important rule is to make payments on time. If you make your payments on time your score will be raised, if you don’t your […]

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Hand your money over…

It might come as a bit of a surprise to find out that scams using money wiring systems such as Western Union and Moneygram, as as common today as they were a few years ago. Western Union is an international facility which does not require too much red tape, this makes it ideal for the […]

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Making A Payment Protection Insurance Claim

The fraudulent selling of Mortgage Protection Insurance has been recognized as one of the worst financial mis-selling scandals of all time. How it works, When you get a mortgage a premium is usually added to it, meaning that the poor unsuspecting customer also paid interest on the insurance policy.  A lot of banks and other […]

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Pakistan’s growth on the online scene Not Just Cricket

On a list of developed countries, Pakistan is near the bottom. Pakistan has a horrific record of terrorism. As recently as 2009 over 3000 people lost their lives to terrorism in this country. This ever-present threat has had a massive impact on the country’s economic development. It is estimated the indirect and direct economic costs […]

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3 Fantastic Careers In Finance

Starting a career in finance can be rewarding but really challenging, not only does it pay extremely well, but it allows you to work along with powerful and respected companies in there respected space and market places. As someone in the financial field you will learn to become a professional and wield a large amount […]

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Why Pursue a Career in The Finance Industry?

In the past, finance was pretty basic, in fact it was downright boring! These days though things have changed dramatically and the playing field has become a little more even, if not a little more tough. The role of finance has become more challenging these days, its true. In today’s world of finance, a persons […]

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