For the following situations, select and describe a payment method that would be appropriate for the needs of the person.

Payment situation	Suggested payment method
(a) a need to send funds for a purchase from an organization that requires guaranteed payment
(b) traveling to Asia, you desire to be able to access funds in the local currencies of various countries
(c) a desire to pay bills using your home computer instead of writing checks
(d) you only write a few checks a month and you want to minimize your costs