Until now, Seattle startup Doxo has been pretty secretive about what it’s up to. All it’s revealed is that it’s backed by Jeff Bezos’ Bezos Expeditions and Mohr Davidow Ventures, and that it’s been developing a paperless billing product.
Today, however, co-founder and chief executive Steve Shivers gave me a demo of the service. And the site is now handing out invites and letting in users.
Shivers and his team tried to answer this question: If so many of us are Web-savvy, why haven’t we gone completely paperless? Shivers said 55 percent of US households pay some of their bills online, but only 15 percent of them have gotten rid of paper completely. The gap between the two numbers includes people who still pay some of their bills the old-fashioned way, as well as people who still receive their bills and other messages in the mail, even if they pay online.
There are a couple of problems with the current way of doing things, Shivers said. Customers have to go to separate websites for each bill, and it’s an impossible headache to log in to 15 or 20 different accounts each month.
Doxo should help push users towards a state of complete paperlessness. It offers an online dashboard for managing each account where you need to pay bills. Users will be able to upload their bills (whether they downloaded it from the company website or scan a copy they received in the mail) and store their login name and password for each account. That way, they’ll have all of their billing information in one place. Then, if the billing company decides to create an account with Doxo, they can send you your bills via the Doxo website, and they can send other messages, such as a revised privacy policy.
All of the documents belong to you, Shivers said. Doxo can’t sell the data to anyone else, and you can download each bill whenever you want.
The approach sounds a little like Mint, the popular Intuit-acquired personal finance service. They both bring multiple accounts together and make the data easy to understand. At the same time, by focusing on bills, not financial institutions, Doxo is tackling a different problem. Plus, it has a different business model — instead of making money when it convinces users to sign up for different accounts or credit cards, Doxo will charge businesses, since they’re saving money by not sending paper bills. Businesses supposedly spend $30 billion a year to mail 50 billion bills to customers.
One question right now is whether the service can be useful even if the companies sending you bills haven’t signed up with Doxo. Shivers predicted that the experience will vary from user to user. Some will be fine just using Doxo as a repository for bills and account data. Others will find that a number of the businesses they need to pay are in Doxo already. And yes, there will be a group that doesn’t get much use out of the site right away, but they might sign up for the companies whose bills they want to pay, and then they’ll receive notifications as businesses join.
There are some shortcomings right now — mainly the fact that you can’t make payments on the Doxo site. Doxo just gives you the bill, hands you over to the billing site, then you can mark the bill as paid in Doxo once you’re done. But Shivers said Doxo is definitely looking to add in-site payment features, mobile features, and more.
Next Story: SkillSlate grabs $1.1M to find local service providers Previous Story: Symbian CEO Lee Williams steps down
Before purchasing life insurance as an investment, a potential investor should understand a few things about the types of life insurance and how they work. Basic life insurance can be broken down into two major categories, term insurance and whole life insurance.
Term insurance is insurance for which one makes annual premium payments in exchange for a death benefit. This is the least expensive type of life insurance and cannot be purchased as an investment. The death benefit is all that one receives from term life insurance, provided one passes away while the policy is active.
This type of insurance is ideal if you do not believe you will need life insurance in your later years; the older one becomes, the higher the premiums for term life insurance. The primary purpose of term life insurance is to protect those people who depend on you; as one gets older, most people accumulate retirement savings and/or their children become self sufficient, decreasing the need for term life insurance.
Whole life insurance, also known as permanent or cash value life insurance is the second type of life insurance and can be broken down into whole life, universal life, variable life, and variable universal. In general, cash value life insurance offers protection throughout one's entire life, and also includes an investment — the cash value. Only a portion of the premium payments on a cash value life insurance policy cover the actual insurance. With the other portion of the premium, the insurance company sets up an investment known as an accumulation account which is invested in interest-bearing securities.
The cash value reduces the amount at risk to the insurance company and thus, the insurance expense over time. The owner can access the money in the cash value through policy loans or other options which reduce the death benefit. Accordingly, premiums for such policies generally tend to be higher than those associated with term life insurance, at least in the earlier years.
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Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML
The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...
Nintendo hasn't discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>
Read our Wii news of Nintendo hasn't discontinued Wii Speak.
Great Dolly <b>News</b>! | PerezHilton.com
Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...
bench craft company scam
Until now, Seattle startup Doxo has been pretty secretive about what it’s up to. All it’s revealed is that it’s backed by Jeff Bezos’ Bezos Expeditions and Mohr Davidow Ventures, and that it’s been developing a paperless billing product.
Today, however, co-founder and chief executive Steve Shivers gave me a demo of the service. And the site is now handing out invites and letting in users.
Shivers and his team tried to answer this question: If so many of us are Web-savvy, why haven’t we gone completely paperless? Shivers said 55 percent of US households pay some of their bills online, but only 15 percent of them have gotten rid of paper completely. The gap between the two numbers includes people who still pay some of their bills the old-fashioned way, as well as people who still receive their bills and other messages in the mail, even if they pay online.
There are a couple of problems with the current way of doing things, Shivers said. Customers have to go to separate websites for each bill, and it’s an impossible headache to log in to 15 or 20 different accounts each month.
Doxo should help push users towards a state of complete paperlessness. It offers an online dashboard for managing each account where you need to pay bills. Users will be able to upload their bills (whether they downloaded it from the company website or scan a copy they received in the mail) and store their login name and password for each account. That way, they’ll have all of their billing information in one place. Then, if the billing company decides to create an account with Doxo, they can send you your bills via the Doxo website, and they can send other messages, such as a revised privacy policy.
All of the documents belong to you, Shivers said. Doxo can’t sell the data to anyone else, and you can download each bill whenever you want.
The approach sounds a little like Mint, the popular Intuit-acquired personal finance service. They both bring multiple accounts together and make the data easy to understand. At the same time, by focusing on bills, not financial institutions, Doxo is tackling a different problem. Plus, it has a different business model — instead of making money when it convinces users to sign up for different accounts or credit cards, Doxo will charge businesses, since they’re saving money by not sending paper bills. Businesses supposedly spend $30 billion a year to mail 50 billion bills to customers.
One question right now is whether the service can be useful even if the companies sending you bills haven’t signed up with Doxo. Shivers predicted that the experience will vary from user to user. Some will be fine just using Doxo as a repository for bills and account data. Others will find that a number of the businesses they need to pay are in Doxo already. And yes, there will be a group that doesn’t get much use out of the site right away, but they might sign up for the companies whose bills they want to pay, and then they’ll receive notifications as businesses join.
There are some shortcomings right now — mainly the fact that you can’t make payments on the Doxo site. Doxo just gives you the bill, hands you over to the billing site, then you can mark the bill as paid in Doxo once you’re done. But Shivers said Doxo is definitely looking to add in-site payment features, mobile features, and more.
Next Story: SkillSlate grabs $1.1M to find local service providers Previous Story: Symbian CEO Lee Williams steps down
Before purchasing life insurance as an investment, a potential investor should understand a few things about the types of life insurance and how they work. Basic life insurance can be broken down into two major categories, term insurance and whole life insurance.
Term insurance is insurance for which one makes annual premium payments in exchange for a death benefit. This is the least expensive type of life insurance and cannot be purchased as an investment. The death benefit is all that one receives from term life insurance, provided one passes away while the policy is active.
This type of insurance is ideal if you do not believe you will need life insurance in your later years; the older one becomes, the higher the premiums for term life insurance. The primary purpose of term life insurance is to protect those people who depend on you; as one gets older, most people accumulate retirement savings and/or their children become self sufficient, decreasing the need for term life insurance.
Whole life insurance, also known as permanent or cash value life insurance is the second type of life insurance and can be broken down into whole life, universal life, variable life, and variable universal. In general, cash value life insurance offers protection throughout one's entire life, and also includes an investment — the cash value. Only a portion of the premium payments on a cash value life insurance policy cover the actual insurance. With the other portion of the premium, the insurance company sets up an investment known as an accumulation account which is invested in interest-bearing securities.
The cash value reduces the amount at risk to the insurance company and thus, the insurance expense over time. The owner can access the money in the cash value through policy loans or other options which reduce the death benefit. Accordingly, premiums for such policies generally tend to be higher than those associated with term life insurance, at least in the earlier years.
bench craft company scam
Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML
The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...
Nintendo hasn't discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>
Read our Wii news of Nintendo hasn't discontinued Wii Speak.
Great Dolly <b>News</b>! | PerezHilton.com
Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...
benchcraft company scam
benchcraft company scam
benchcraft company scam
Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML
The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...
Nintendo hasn't discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>
Read our Wii news of Nintendo hasn't discontinued Wii Speak.
Great Dolly <b>News</b>! | PerezHilton.com
Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...
bench craft company scam
Until now, Seattle startup Doxo has been pretty secretive about what it’s up to. All it’s revealed is that it’s backed by Jeff Bezos’ Bezos Expeditions and Mohr Davidow Ventures, and that it’s been developing a paperless billing product.
Today, however, co-founder and chief executive Steve Shivers gave me a demo of the service. And the site is now handing out invites and letting in users.
Shivers and his team tried to answer this question: If so many of us are Web-savvy, why haven’t we gone completely paperless? Shivers said 55 percent of US households pay some of their bills online, but only 15 percent of them have gotten rid of paper completely. The gap between the two numbers includes people who still pay some of their bills the old-fashioned way, as well as people who still receive their bills and other messages in the mail, even if they pay online.
There are a couple of problems with the current way of doing things, Shivers said. Customers have to go to separate websites for each bill, and it’s an impossible headache to log in to 15 or 20 different accounts each month.
Doxo should help push users towards a state of complete paperlessness. It offers an online dashboard for managing each account where you need to pay bills. Users will be able to upload their bills (whether they downloaded it from the company website or scan a copy they received in the mail) and store their login name and password for each account. That way, they’ll have all of their billing information in one place. Then, if the billing company decides to create an account with Doxo, they can send you your bills via the Doxo website, and they can send other messages, such as a revised privacy policy.
All of the documents belong to you, Shivers said. Doxo can’t sell the data to anyone else, and you can download each bill whenever you want.
The approach sounds a little like Mint, the popular Intuit-acquired personal finance service. They both bring multiple accounts together and make the data easy to understand. At the same time, by focusing on bills, not financial institutions, Doxo is tackling a different problem. Plus, it has a different business model — instead of making money when it convinces users to sign up for different accounts or credit cards, Doxo will charge businesses, since they’re saving money by not sending paper bills. Businesses supposedly spend $30 billion a year to mail 50 billion bills to customers.
One question right now is whether the service can be useful even if the companies sending you bills haven’t signed up with Doxo. Shivers predicted that the experience will vary from user to user. Some will be fine just using Doxo as a repository for bills and account data. Others will find that a number of the businesses they need to pay are in Doxo already. And yes, there will be a group that doesn’t get much use out of the site right away, but they might sign up for the companies whose bills they want to pay, and then they’ll receive notifications as businesses join.
There are some shortcomings right now — mainly the fact that you can’t make payments on the Doxo site. Doxo just gives you the bill, hands you over to the billing site, then you can mark the bill as paid in Doxo once you’re done. But Shivers said Doxo is definitely looking to add in-site payment features, mobile features, and more.
Next Story: SkillSlate grabs $1.1M to find local service providers Previous Story: Symbian CEO Lee Williams steps down
Before purchasing life insurance as an investment, a potential investor should understand a few things about the types of life insurance and how they work. Basic life insurance can be broken down into two major categories, term insurance and whole life insurance.
Term insurance is insurance for which one makes annual premium payments in exchange for a death benefit. This is the least expensive type of life insurance and cannot be purchased as an investment. The death benefit is all that one receives from term life insurance, provided one passes away while the policy is active.
This type of insurance is ideal if you do not believe you will need life insurance in your later years; the older one becomes, the higher the premiums for term life insurance. The primary purpose of term life insurance is to protect those people who depend on you; as one gets older, most people accumulate retirement savings and/or their children become self sufficient, decreasing the need for term life insurance.
Whole life insurance, also known as permanent or cash value life insurance is the second type of life insurance and can be broken down into whole life, universal life, variable life, and variable universal. In general, cash value life insurance offers protection throughout one's entire life, and also includes an investment — the cash value. Only a portion of the premium payments on a cash value life insurance policy cover the actual insurance. With the other portion of the premium, the insurance company sets up an investment known as an accumulation account which is invested in interest-bearing securities.
The cash value reduces the amount at risk to the insurance company and thus, the insurance expense over time. The owner can access the money in the cash value through policy loans or other options which reduce the death benefit. Accordingly, premiums for such policies generally tend to be higher than those associated with term life insurance, at least in the earlier years.
benchcraft company scam
bench craft company scam
Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML
The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...
Nintendo hasn't discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>
Read our Wii news of Nintendo hasn't discontinued Wii Speak.
Great Dolly <b>News</b>! | PerezHilton.com
Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...
bench craft company scam
benchcraft company scam
Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML
The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...
Nintendo hasn't discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>
Read our Wii news of Nintendo hasn't discontinued Wii Speak.
Great Dolly <b>News</b>! | PerezHilton.com
Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...
bench craft company scam
Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML
The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...
Nintendo hasn't discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>
Read our Wii news of Nintendo hasn't discontinued Wii Speak.
Great Dolly <b>News</b>! | PerezHilton.com
Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...
bench craft company scam
Scripting <b>News</b>: Design challenge: River of <b>News</b> in HTML
The design challenge is this. GIven the latest HTML techniques, do a mockup of a great River of News. If it's really something new, I'll put the software behind it and make it live. Permanent link to this item in the archive. ...
Nintendo hasn't discontinued Wii Speak Wii <b>News</b> - Page 1 <b>...</b>
Read our Wii news of Nintendo hasn't discontinued Wii Speak.
Great Dolly <b>News</b>! | PerezHilton.com
Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...
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benchcraft company scam
bench craft company scam
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