There was a time when paying the bills could be quite a hassle. We had to keep up with paper bills, write a check, buy stamps and mail them in time to get them in by the due date. If we forgot to put them in the mail, we would have to make a trip to the billing party’s office to get the payment in on time.

Thanks to Electronic Bill Presentment and Payment, or EBPP for short, paying bills is now much simpler. Most service providers and lenders offer this service, which enables us to pay bills instantly from the comfort of our own homes. It’s quick, easy and efficient.

Here are six reasons why EBPP is so great:

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eBay has long been known as a place where you can get a deal on just about anything. The auction website connects sellers with buyers all over the country, and even around the world. But just like any open marketplace, eBay harbors its share of scams.

When you’re selling on eBay, you have to watch out for buyers who want to pay by questionable methods. Some will also try to make fraudulent returns. But there are also plenty of scams to go around for buyers.

The majority of eBay sellers are honest people who are trying to make money to support themselves and their families. But thanks to the small percentage who are out to make a quick buck at the buyer’s expense, we must be ever vigilant. Here are some things to watch out for when buying on eBay.

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Debit cards are considered by many to be one of the greatest innovations of the past few decades. First issued in the late 1980s, they offer the convenience of a credit card without the expense of using borrowed money. Since they’re linked to our bank accounts, they simply give us quick access to our own money.

The debit card has long since surpassed the check in terms of popularity. Consumers today are happy to swipe their cards when they make a purchase instead of having to write out the payee and amount. But unfortunately, those who use debit cards have a tendency to overdraw their accounts, resulting in expensive overdraft fees.

Overdraft fees have become quite common, but they aren’t a fact of life for debit card users. They can be avoided if you’re careful. Here are eight ways to steer clear of them.

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