I have yet to see paytrust mentioned around here or on any RV forum ( I am sure it must be mentioned on some form, so no need to search to prove me wrong). It is a service where you have your bills sent to their address and they scan and organize them for you. So when paying your bills you go to the paytrust site and view them. You can then pay them also, and as I understand it basically the amounts and due date are filled in, you just check the go ahead box. Seems you can even have them autopay things if you will be away.
Cost is about $15/mo for 30 transactions. Recieving a bill and paying a bill are each a transaction. So if you recieve and pay less than 15 bills a month you are covered, additional transactions are $0.50.
I think it looks very convienent if on the road since you do not need to recieve the mail or store the hardcopy. You get a cd with all your bills for the year at the end of each year. Anyone using it? Does there SD mailing address have any bearing on Domicile issues?
The only bills we get via regular mail are our annual life insurance and vehicle insurance. The only monthly bills we have are VISA (we charge everything!) and our cell phones and we take care of that online in connection with our checking account. There is an occasional medical bill and for that we wait until all the insurance is taken care of before we write a check. Medical insurance premiums are deducted from retirement deposits. For us, paying for a bill-pay service would not be worth it.
Mary
Acorn said
06:59 AM Dec 19, 2007
How do you determine which credit card to use when using only one? I assume the plan is to pay it off each month -- so interest rate isn't a concern....
Linda No natter where you go, there you are!"
RVDude said
08:24 AM Dec 19, 2007
There are many services like paytrust. My problem is, with the ease of viewing all bills on-line at the biller's site, why would you ever need to do this? Another down side is that these services can not show you what they do not know, so if you have an irregular or one-time bill they do not help. But then again, I can go to that one-time biller's web site and often see my bill. In addition, many bank bill-payer services (which are typically free) also provide for e-billing where the bank bill payer can directly show you the bill. So I remain perplexed what "service" these firms like paytrust offer.
PS: Like mcw50 I too charge all everyday epenses... Puts it all on one bill...
-- Edited by RVDude at 09:41, 2007-12-19
mikeway said
08:55 AM Dec 19, 2007
We have only one recurring bill that will not take either an ech/ach or debit payment. Our credit union handles that under their free bill pay plan. All others are available online and 90% are set up for automatic pay. Even our brokerage statements are available online.
The only drawback? Internet access is a requirement. That is one reason for the Datastorm dish. Services like paytrust (have you checked them through Better Business and other sources?), might be a requirement without internet access, but with increasing connectivity you find the need diminished.
Mike
foxriverguy said
12:15 PM Dec 19, 2007
Seems like just another unnecessary service designed to collect our hard-earned dollars. At about $15 per month it is about $180 per year. I'd rather spend $180 on fun stuff.
Luvglass said
01:57 PM Dec 19, 2007
foxriverguy wrote:
Seems like just another unnecessary service designed to collect our hard-earned dollars. At about $15 per month it is about $180 per year. I'd rather spend $180 on fun stuff.
We couldn't agree more. The few bills we have we pay on line.
Tylersamma said
09:17 PM Dec 19, 2007
We have used our bank's bill pay service for several years now, without a service fee. Have not had a problem and we are in complete control of what and when the bills will be paid.
jdensie said
06:47 AM Dec 20, 2007
W pay everything online, we do not have any paper checks other than for medical bills or Rx (I use the VA).
We even pay our CC's online.
As for SD it has been working very well for us. We use Americas-Mailboxes out of Rapid City.
MERRY CHRISTMAS
RVDude said
08:37 AM Dec 20, 2007
bruce: Regarding domicile, search this forum some excellent discussion on this topic. In a sentence, your "domicile state" is that state that most looks like you live there - bills, driver license, tax filing, etc. are all addressed in that state. Mix this up and you could be in for some tough talking.
brucedelta said
09:57 PM Dec 23, 2007
I guess I am going to have to think about how many bills I will have. the beauty of partrust as I see it is that they recieve the buill in the mail. Online payment can of coarse be easily done by most banks. As pointed out by RV Dude, some bills are online viewable (mostly credit card) but my health and life insurance are not as far as I know. On the other hand they are relativly fixed so it is easy.
I guess I no longer will get utility, RE Tax, mortgage, sewer etc when I no longer have a house.
I need to decide if I cna justify the expense.
Thanks for your thoughts.
-- Bruce
Jim01 said
07:23 AM Dec 24, 2007
Bruce,
Most people have no idea of how Full-timing can simplify your life. If you don't have a house, you will not have near as many bills to pay, or near as many worries either.
We use a Debit card for almost everything, and the phone or paper checks for the few bills that we do get. My advise would be to skip signing up for a service like paytrust for now. I would think you could always sign up in the future if you decide you need it. Like foxriverguy said, spend the money of some fun stuff.
Cost is about $15/mo for 30 transactions. Recieving a bill and paying a bill are each a transaction. So if you recieve and pay less than 15 bills a month you are covered, additional transactions are $0.50.
I think it looks very convienent if on the road since you do not need to recieve the mail or store the hardcopy. You get a cd with all your bills for the year at the end of each year.
Anyone using it? Does there SD mailing address have any bearing on Domicile issues?
I am trying to transition to it for the new year.
http://www.paytrust.com/
-- Bruce
Mary
Linda
No natter where you go, there you are!"
Another down side is that these services can not show you what they do not know, so if you have an irregular or one-time bill they do not help. But then again, I can go to that one-time biller's web site and often see my bill. In addition, many bank bill-payer services (which are typically free) also provide for e-billing where the bank bill payer can directly show you the bill. So I remain perplexed what "service" these firms like paytrust offer.
PS: Like mcw50 I too charge all everyday epenses... Puts it all on one bill...
-- Edited by RVDude at 09:41, 2007-12-19
The only drawback? Internet access is a requirement. That is one reason for the Datastorm dish. Services like paytrust (have you checked them through Better Business and other sources?), might be a requirement without internet access, but with increasing connectivity you find the need diminished.
Mike
We even pay our CC's online.
MERRY CHRISTMAS
Most people have no idea of how Full-timing can simplify your life. If you don't have a house, you will not have near as many bills to pay, or near as many worries either.
We use a Debit card for almost everything, and the phone or paper checks for the few bills that we do get. My advise would be to skip signing up for a service like paytrust for now. I would think you could always sign up in the future if you decide you need it. Like foxriverguy said, spend the money of some fun stuff.
Relax and enjoy!
Jim