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What Is Cialis For » United Pharmacy, No Prescription
How To Set Up On-Line Banking - Save Time & Money
January 2004
This newsletter is a FREE service providing you with tips and
ideas to help you live a more organized stress-free life.
Without spamming, please forward this on to anyone
you think may benefit…
****************************************************************************************
Welcome to the New Year….may you have
much happiness and fulfillment in 2004
The holidays were a blur this year for me. Getting back from overseas on the eve of
Thanksgiving, I had to manage some major problems on top of everything else. I coped in
'overwhelmed/catch up mode.' Not a comfortable or easy place to be, even for that short time…
Many of my clients tell me they feel this way all year round. And some people choose this way of
life. Paul Pearsall, author of Toxic Success: How to Stop Striving and Start Thriving, defines
success as "being able to pay full and undivided attention to what matters most in our life. It
results in a state of consistent and adaptive satisfaction and delight with one's blend of love, work
and play. Rather than being consumed by earning a living, it results in feeling totally
alive….finding joy with someone else in the good life, in the present."
So this year I challenge us both to spend some time considering what success means to us. And
make a concerted effort to find and maintain better balance in our lives, all year round! For
example, if your schedule gets really packed, you need to make a point of 'booking in' some 'time
out' for yourself. Don't just think about it (longingly). Set a time and date to do what relaxes or
restores you most and write it on your calendar or PDA. Don't be tempted to cancel for reasons
other than an absolute emergency. You will be much more efficient and productive and happier to
boot! Try it for a month and see. And remember what Steven Covey says, "Life is like a buffet
line." Our plates fill up sooner than we realize. We need to say 'No,' to some things. No is a
complete sentence!
Perhaps begin by saying 'No' to wasting time paying bills!! Read on…
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Reduce Paper and Stress with On-Line Bill Paying
Do you forget to pay all your bills? Rack up late fees? Are you drowning in paper? Are your
accounts in a mess? Then paying your bills on-line is a simple and fail-safe way to avoid all that.
(And you can save time and money in the process.)
After reading an article in Real Simple, I have decided to join the 40 million Americans who pay
bills on-line and go paperless this year. In case you're ready to take the plunge, I thought I would
pass the information on to you. Like most people who haven't yet gone electronic, I was
2005  Lindsay Hilsenbeck
510 669-1152 www.professional-organizing.com [email protected]
1
Professional Organizing & ADHD Coaching
Quarterly eZine
concerned about security, but advances in encryption technology make the information safe as it
travels through cyberspace. Perhaps safer than mailing a check with your signature on it!?
Banks
Your bank is the most obvious place to begin. Most let you pay up to 15 bills free of charge (some
have a nominal fee; you might like to challenge them not to charge you if you are a valued
customer!). And you should get a guarantee that your transaction will go through on time (or the
bank covers any late fees). The bank will transfer the money directly from your designated bank
account to the trust account of the company to whom you owe money.
Bill Payment Services
These services work much the same as the bank. You set up an authorization that allows the
service to move funds from your bank account to pay creditors. The two largest are:
billpay.yahoo.com
Yahoo's basic service is free and allows unlimited payments, but you are restricted to a list of
100+ billers. If some of the companies you pay are not on this list, there is a larger list of 200+
billers, but if you use this service, there is a $5-a-month charge for up to 12 payments and 40
cents for each transaction over this amount.
www.paytrust.com
Paytrust works by your re-directing all your bills to them. They will then forward them on to you
via email. This service costs $5 per month, plus 50 cents per transaction, or $13 per 30
transactions a month, plus 50 cents for each transaction over that limit.
NB: You can opt to receive some bills via e-mail yourself. About 270 companies send bills this
way; To see if your creditors participate, go to www.checkfree.com
Keeping All Your Bookkeeping On-Line
A very tidy way to keep all your accounts up to date and pay your bills too is by using computer
software packages. You simply go to the software maker's website to register. Two very popular
options are:
Quicken Bill Pay - www.intuit.com/billpay
With Quicken you not only keep your books all up to date in a user-friendly program but also pay
bills from up to 10 different bank accounts, with 20 transactions per month for $10.
MSN Bill Pay - billpay.msn.com
Using the Microsoft Money 2004 Premium software, you are entitled to 2 years of free bill-paying
- up to 15 transactions per month. You simply note on the calendar when your bills are due and
they are paid automatically.
To Get Set Up…
2005  Lindsay Hilsenbeck 510-669-1152 www.professional-organizing.com
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Professional Organizing & ADHD Coaching
Quarterly eZine
I suggest you go on-line and check out the above services and decide which one best suits your
needs. Then go on-line and register. You will need to provide all the information to set up your
schedule, your bank account numbers, billers' information, etc. But once you have done this
once, you are set up and good to go. A few days before your bills are due (allow 4 days to avoid
late fees), you simply return to the website and fill in how much, when and to whom you would
like funds transferred and click send.
NB: Another way to save time and stress is not to queue at the Post Office. Go to
www.USPS.gov and order stamps, calculate postage and track packages. You can find zip
codes there too.
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Quote from G K Chesterton
"There are two ways to get enough. One is to continue to accumulate more and more. The other
is to desire less."
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Your Referrals Are Much Appreciated…
For all referrals that book two sessions or more I will give you one free hour of organizing with
your next session. You don't need it? Refer me to four of your associates or family members and
when they become clients, I will send you a gift certificate worth $300.
*************************************
Your next eZine will arrive as a hyper-link. I will address the subject line as usual but you will
receive an active address in the body of the email. Click on it and you will be Immediately
transported to April's eZine, which will be on my website. This will ensure you will have trouble
free reading (the text on the website is in HTML and user friendly to all computers).
Warm regards, Lindsay
2005  Lindsay Hilsenbeck 510-669-1152 www.professional-organizing.com
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