Setting up your bank account to pay automated bill payments is a great way to systemize your financial life. Itís very convenient to know that you wonít forget to make payments, but there are ways to do it that work best. Letís look at these tips for automating your bill payments.

Go via Your Bank Account Not the Bill

The best way to set up bill payments is via your bank account. This gives you maximum control over the payments. Some banks will give you access to an "e-bill" once you enter your billís account information into the system, but itís not necessary. If they have the option to pay a bill via the system, you can do it with or without an e-bill; just set up the minimum payment or whatever payment you have budgeted for the bill.

Use the Billís e-Payment Options Sparingly

Some of your bills will come with an option to pay the payments via their system automatically. Use these only when it pays off to do it in terms of lower interest rates, ease of set-up, or something that makes you feel itís worthwhile. Itíll take longer to cancel the payment, and youíll need to take an extra step when you reconcile everything or have a need to cancel payment. So ensure that you note down how that bill is paid, how much, and when.

Ask for Equalized or Budget Billing

For some of your bills, youíre going to want to ask the account if you can get a standardized or budget amount that is the same each month. Some utility companies can do that, as well as other types of bills. This will make it easier since you can pay the same amount every month for the bill, equalizing it out every six months or so for under- or overpayments. Sometimes theyíll require auto withdrawal for this, so read the advice in the section above.

Deposit Extra Money

It helps if you know exactly how much will come out each month for your bills, of course. However, you still want to deposit about 20 percent more to cover for anything unexpected, since some of your bills probably vary in amount each month. Remember that all the bills will not come out right after you got paid, so you always want to keep a positive balance.

Pay Yourself Too

Even though itís to a "bill," letís get something straight about money. If you donít pay yourself, youíre not going to get ahead. Taking control of your money means that you pay your bills, but you also pay yourself some spending money so that you can enjoy your life within your means to do so.

Automating your bills can be a lifesaver for busy people who have the money to pay their bills but who are often so busy they forget. But itís also good for people who have less money and are having trouble balancing all their obligations. The act of setting this up can open your eyes to the possibilities and potential that your future holds.

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    歷史
    六七千年前的先民就開始釣魚。周文王曾和兒子們在靈沼釣魚取樂。戰國時范蠡也愛釣魚,常把所釣之魚供給越王勾踐食用。 二十世紀八十年代,中國大陸的各級釣魚協會成立,釣魚地點也從自然水域向養殖水域過度,所釣之魚則從粗養向細養過度。人數增多、水體污染及濫捕濫撈導致釣魚難度上升。釣魚協會開始與漁民和農民簽訂文件,使更多釣者能夠在養殖水域釣魚,達到了雙贏的目的。 二十世紀九十年代初,來自台灣的懸釣法走紅大陸,各地開始建造標準釣池。 二十世紀末,發達國家的釣者提倡回顧自然,引發新一輪野釣戰,而中國的釣者則更青睞精養魚池。]

    工具

    一种钓鱼竿机械部分示意图
    最基本的钓具包括:鱼竿、鱼线、鱼钩、沉坨(又名沉子)、浮标(又名鱼漂)、鱼饵。]:1其他辅助钓具包括:失手绳、钓箱、线轮、抄网、鱼篓、渔具盒、钓鱼服、钓鱼鞋等。]:1

    钓竿一般由玻璃纖維或碳纖維轻而有力的竿状物质製成,钓竿和鱼饵用丝线联接。一般的鱼饵可以是蚯蚓、米饭、蝦子、菜叶、苍蝇、蛆等,现代有专门制作好(多数由自己配置的半成品)的粉製鱼饵出售。鱼饵挂在鱼鉤上,不同的對象鱼有不同的釣組配置。在周围水面撒一些誘餌通常会有較好的集魚效果。

    钓具
    鱼竿
    主条目:鱼竿
    钓鱼的鱼竿按照材质包括:传统竹竿、玻璃纤维竿、碳素竿,按照钓法包括:手竿、矶竿、海竿(又名甩竿),按照所钓鱼类包括:溪流小继竿、日鲫竿(又名河内竿)、鲤竿、矶中小物竿。]:6-8

    鱼钩
    主条目:鱼钩
    鱼钩就是垂钓用的钩,主要分为:有倒钩、无倒钩、毛钩。]:14

    鱼线
    主条目:鱼线
    鱼线就是垂钓时绑接鱼竿和鱼钩的线,历史上曾使用蚕丝(远古日本)、发丝(江户时期日本)、马尾(西欧)、二枚贝(地中海)、蛛网丝(夏威夷)、琼麻(东南亚)、尼龙钓线(美国)。]:25

    鱼漂
    主条目:鱼漂
    鱼漂又名浮标,垂钓时栓在鱼线上的能漂浮的东西,主要用于搜集水底情报,查看鱼汛,观察鱼饵存留状态,以及水底水流起伏变化。]:36

    鱼饵
    主条目:鱼饵
    鱼饵分为诱饵和钓饵,是一种用来吸引鱼群和垂钓时使用的物品,钓饵分为荤饵、素饵、拟饵、拉饵。]:170

    沉子
    主条目:沉子
    沉子又名沉坨、铅锤,是一种调节鱼漂的工具。]:45

    卷线器
    主条目:卷线器
    卷线器主要安装在海竿和矶竿上的一种卷线的工具。]:63

    连结具
    主条目:连结具
    连结具是连结鱼线与钓竿、母线与子线的一种连结物,使用最广泛的是连结环。]:55

    识鱼
    鱼类的视力不如人类,距离、宽度均无法和人类的视力比较,鱼类对水色、绿色比较敏感,鱼类的嗅觉非常灵敏,鱼类的听觉也非常灵敏,钓鲤鱼时,不能在岸上大声谈笑、走动不停,鱼类的思考能力非常弱,鱼类应对周边环境随着气象、水温、水色、潮流、流速、水量的变化而变化,于是便出现了在同一个池塘、水库、湖泊,往日钓鱼收获大,今日少,上午收获大,下午少,晴天大,雨天少等情况。]:114-117淡水钓鱼,中国大陆经常垂钓的鱼类对象是本地鲫鱼、日本鲫、非洲鲫、鲤鱼、游鱼、罗非鱼、黄刺鱼(黄鸭叫)、黄尾、鳊鱼、青鱼、草鱼、鲢鱼、鳙鱼,台湾经常垂钓的鱼类对象是本地鲫鱼、日本鲫、吴郭鱼(罗非鱼)、溪哥仔和红猫(粗首马口鱲)、斗鱼、罗汉鱼、苦花、三角姑(河鮠)、竹蒿头(密鱼)。]:117

    影响鱼类的6大因素主要是:季节变更、气温高低、水的涨落、风的大小、水的清浊、天气阴晴

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  49. Benzersiz bir şekilde bakımlı olarak çok özel bir şehvet hissi sunacak mükemmel bir stille seksiyim. Özel, çok özel ve harika deneyimler sunan mükemmel bayanlardan biriyim. 21 yaşındayım, 172 cm boyunda, 63 kg, size eşsiz bir memnuniyet verecek, tam bir zevk duygusu için benimle takılacağınızı söyleyebilirim. escort Ben seçkin eskortlardan biriyim, çok özel ve harika görünümlü kadın, her yönünü tatmin etmek için özgürce takıldığımı fark edecek saatlerimi benimle deneyimlemek eşsiz olacak.

  50. Benzersiz bir şekilde bakımlı olarak çok özel bir şehvet hissi sunacak mükemmel bir stille seksiyim. Özel, çok özel ve harika deneyimler sunan mükemmel bayanlardan biriyim. 21 yaşındayım, 172 cm boyunda, 63 kg, size eşsiz bir memnuniyet verecek, tam bir zevk duygusu için benimle takılacağınızı söyleyebilirim. escort Ben seçkin eskortlardan biriyim, çok özel ve harika görünümlü kadın, her yönünü tatmin etmek için özgürce takıldığımı fark edecek saatlerimi benimle deneyimlemek eşsiz olacak.

  51. Benzersiz bir şekilde bakımlı olarak çok özel bir şehvet hissi sunacak mükemmel bir stille seksiyim. Özel, çok özel ve harika deneyimler sunan mükemmel bayanlardan biriyim. 21 yaşındayım, 172 cm boyunda, 63 kg, size eşsiz bir memnuniyet verecek, tam bir zevk duygusu için benimle takılacağınızı söyleyebilirim. escort Ben seçkin eskortlardan biriyim, çok özel ve harika görünümlü kadın, her yönünü tatmin etmek için özgürce takıldığımı fark edecek saatlerimi benimle deneyimlemek eşsiz olacak.

  52. Benzersiz bir şekilde bakımlı olarak çok özel bir şehvet hissi sunacak mükemmel bir stille seksiyim. Özel, çok özel ve harika deneyimler sunan mükemmel bayanlardan biriyim. 21 yaşındayım, 172 cm boyunda, 63 kg, size eşsiz bir memnuniyet verecek, tam bir zevk duygusu için benimle takılacağınızı söyleyebilirim. escort Ben seçkin eskortlardan biriyim, çok özel ve harika görünümlü kadın, her yönünü tatmin etmek için özgürce takıldığımı fark edecek saatlerimi benimle deneyimlemek eşsiz olacak.

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