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Re: Applications online.
I don't know of anyone these days who doesn't own a computer if they want one..new ones can be purchased from HP and Dell for under $200. A serviceable used one probably for even less. Granted they don't have all the bells and whistles but for the simple things, they work just fine. My daughter has four working ones in her house, I have even more, some powerful ones and some that are outdated for my usage but still serviceable for basic things. Yesterday I updated an 8 year old HP all-in-one to the latest version of Windows 10 (there is a major upgrade of Windows 10 ready for those willing to take the jump). It has a touch screen, mic and camera built in so its very compatible to the things that Windows 10 offers like voice commands. There was a time when I had to upgrade my computer every 3-4 years to keep up with technology. At that time $3000 was the magic number to get the latest and almost the greatest.
The thing I don't like is that instead of buying a software package that you could use over and over. Many newer ones like Adobe and Microsoft Office now are reliant on a monthly charge.
More places are billing and accepting payment online. I just got a notice that my electric and gas companies want to replace paper statements with electronic ones. The thing is that in some cases you don't even need a computer, a smart phone would do.