Pay Or Exchange?

To or not to pay or keep your money and avoid paying taxes, paying bills, etc, but you can’t because payingis an inevitable activity we done every day.

When you say “I have to pay my bills”, as if you owe something and if you don’t pay it, severe consequences will be done to you. Paying or paying bills for instance is becoming a connotation of somewhat financial obligations and doubt that one must liable with else you will pay the price forcibly. But that should not be that way because paying (paying bills, paying taxes, etc.) is just an exchange you give for the services and goods they bring and offer to you. And what you exchange or barter for it is not a box of chocolate or whatever, rather of course, money; money is the one you give in exchange for services and goods they offer and bring to you. For that is what they demand you for an exchange in their services or goods they bring and sell to you, respectively. And the money they demand from you is not how much you could afford of or how many money you wish to give to them in exchange for their service or goods, rather they have a paying rates of how much you should exchange for their services or goods.

The paying rates depends on their wishes how much they will exchange their services or goods to you and not you who will do the rating for the exchange or barter. The paying rates are obviously the price of a good and services which we pay. Thus, if you can’t pay the price, don’t oblige yourself to pay else if you do so, you will have debts. Paying debts is harder than paying bills because if you have debts you will suffer the consequences of paying and not paying it.

Therefore, it is important that if you don’t have any sufficient money to enter into barter or any money to exchange, don’t oblige yourself because you will only inherit problems.

However, though we don’t want to complicate ourselves to this kind of problem, still the government or country we dwell in forcibly implicate us to this financial problem – that is through Taxes. As a citizen or foreigner, we are oblige to pay taxes in exchange for the government service we use like democracy or free to do what you want to do within the country. Yap we pay democracy or democratic services in a democratic form of government. We want democracy or freedom, so we pay its run or process and services incurred in it, is not it? Requesting for a democratic form of government in a particular country is not free, there is payment for it.

Another taxes we pay in exchange for government services is the taxes for legitimacy for doing business matters within the country, like buying and selling goods and offering services. Before you could trade in a specific country, you have to pay first the legitimacy of your trading activities within the country; money in exchange of the legitimacy of your trade, that’s it!

Paying taxes is really burdensome because it is inevitable exchange or barter of money forcibly.

 

Dealing with Debts and Paying Debts

What if you can no longer pay your bills but your creditors were steadfast in forcing you to pay them? Here are some tips in paying creditors, properly.

  1. Don’t escape or avoid their calls or registered mail, like what others are doing, they just run away into hiding if they could no longer pay their creditors. Face it with a sober positive mind, for escaping it will only make thing worst, do want that to happen?
  2. Talk to your creditors and be honest to them and ask for an option how to pay off your debts to them in a way that makes both parties happy and satisfied. Creditors will not hesitate to cooperative as long as you are honest to them. For sure they will help you get rid properly your debts to them.
  3. Assessed how much this debt will affect you and your family, upon assessing it, make sure that before you pay your debts you and your family has still the capacity to meet your daily needs, that is, you and your family could still able to eat daily, have shelter to dwell in case your own house will be the collateral, and other basic needs and necessities that can never be take for granted.
  4. Dispatch all your unnecessary things in exchange for money that you can use either additional payment to your creditors or to secure you basic needs in case there would be collateral like your own house or car or anything valuable.
  5. Apply for debt consolidation loan. I know you will think this is crazy because you have already a debt that you cannot pay to your current creditor and now you are making another debt into another creditor by making loans? First and foremost, debt consolidation is best for those whose loan is an unsecured. This could minimized or help you pay the high interest rates in your unsecured loan, though debt consolidation loan offers mostly secured loans (thus, make sure you have something to collateral with, in case you could not pay).But debt consolidation loan have lower rates and one pay less money monthly than in an unsecured loan. Debt consolidation will also help you condense all you debts into one single bill.
  6. Browse or research for an option to your debt paying situation online or in the web.

 

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If paying bills offline is full of stress and hassles and waste of time and contemplating an option to pay your bills online to avoid such hassles, well think about it well because paying online has also stress much greater that paying taxes and paying debts offline.

Paying Bills

Have you experienced being hunted by authorities for not paying your bills? Or are you running from paying debts to anyone? Whatever that make you chill about paying something you owe, you must face it lest you pay the price of it?

What is more terrifying in paying your bills is the paying rate that sometimes changes not to a decreasing level but into a increasing level.

Paying Online

The advantage of paying bills or paying taxes online is you do not have to go through a lot of paying forms offline that give so much stress and hassles. However, that depends upon your bank if your bank offers an online option to pay your bills and also that is also depend upon you if you prefer paying online.

In paying online you must also have paying account in order for your online paying transactions will do in a safe and smooth way so that there would be no hassles and worries afterwards.

Furthermore, if you are an employer and wanted to pay your remote employees, online paying is good in paying their salary. But, if your employees have also an account online to receive his or her salary, this option is good. However, you can pay your employees who have no online account through issuing a check from your bank to be sent by mail to them through online.

However, there are also risk in paying online, of course have not heard about scams? Sure you have heard this, thus, be wary and careful in dealing payments online.

How safe is Paying Bills Online

Because of the rapid advancement in technology today that even fraudlers could make their own softwares(spywares and malwares) and technology to cheat and deceived other people most especially on the internet where without any protection on the computer you are using, you are can be a vulnerable victim to hackers and secret spies that hacks and spy your billing information that you enter in your online payment form. Once they have access your billing information, they could also rob your identity by using your own information which they have hacked if they wanted to withdraw money from your account. Thus, you the real owner is shocked in learning that you withdraw such amount money (whereas, you did not withdraw such money) or have buy such goods online (whereas, you did not buy such goods or items online) when you view again your billing account. This is one of complains of some credit card holders today who have a frequent payment transactions online.

Though modern computers nowadays have already pre-installed anti-virus and firewall software upon buying one at computer shops, you should still be wary when doing a billing transactions online or when you are connected at the internet for there still chances of attacks once you open such website. For some website today have pre-installed spyware that once you open it, you computer is already at the spying eye of these deceivers or some once you open their website there is an automatic download of anything from their sites into your computer.

Any websites that has an account type or billing type form have a standard encryption capacity of 128-bit of datas. That is, any information which you fill and send is encrypted or coded and this is the risk to it, this encrypted or coded datas can be hack or intercepted by an expert hackers when you send or submit your billing information to the website you have a paying account, like Paypal.

This internet hacking and intercepting is like when you send a letter to your friend through postal or any person in behalf, either that person which you entrusted to send your letter to your friend will manipulate or take a peek on your letter before he will sent it to your friend. Your letter then has been hacked and intercepted before it reaches your friend’s hands. And that is the risk involved in paying bills online.