You Don’t Have to Sign Your Credit Card Receipts Anymore
I always just put a line when they asked me to sign. Now if they just implemented pin numbers, it would actually make things more secure, like they do in Europe.
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I always just put a line when they asked me to sign. Now if they just implemented pin numbers, it would actually make things more secure, like they do in Europe.
"Americansβ are saving their money at the lowest rate in 73 years-the lowest rate since the Great Depression. The national personal savings rate was negative (!) 1% in 2006. That means that as a whole, the country is spending more than it is taking in. With the economy on a downhill slide, Americans may start tightening their purse strings. But I predict that instead, people will simply start running up more credit card and loan debt. They have gotten used to a certain lifestyle, and feel entitled to continuing living it."
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I keep hearing that the Trump tax cuts are for the rich but I got a substantial tax cut when they went into effect. So I must be rich, I guess. But at the same time, money always seems tight, it seems like groceries and everything else is always so expensive. You don't know how much I look at a $10 purchase and question my ability to afford it. I think a lot depends on where you live - Albany and New York State is expensive to live - you really have to be rich just to keep your head above water and afford the basics along with a little money for buying land and retirement.
"Put simply: Money laundering turns "dirty" money "clean" β making proceeds from criminal activity usable without drawing the attention of law enforcement. John Cassara, a money laundering expert who worked for the State Department and the Department of Treasury for more than 25 years, says money launderers work through a three-step system."
About a week ago, I misplaced my credit card. At the time, I didnβt think much about it, and went ahead and canceled my card and had them mail me a new card. They told me it would be only 7-10 business days, and I assumed that was just a worse case scenario, but it turns out it wasnβt. It took a week and half for my new card to arrive.
I am somebody who prefers to us his credit card for as many purchases as possible. This way I donβt have to worry about losing spare change and I can keep better track of my purchases. I have a rewards card, but honestly, I donβt really care that much about the rewards. If I get rewards, so be it. I sometimes use them, sometimes I don’t.
Generally, I avoid auto-pay services like the plague. I know they can be budget busters. I buy refills for my phone every 6 months or a year, which is a bigger payment upfront, but I save later on. That does get withdrawn from the credit card, but not until next year. Always good to pay up front, borrowing sucks. I will have to update that later on. I do auto-pay by rent, electric and gas bill, and car and renter insurance directly from my bank. I donβt have cable TV or Internet, and haul my own trash to the transfer station. Fine, but those are essential, especially living in a rented apartment in the city. When I eventually move off grid, I wonβt have any of those expenses except maybe car insurance.
I didnβt think it would be a real issue, until I remember my bus pass was linked to the credit card. I had forgotten my password to my CDTA Navigator bus pass service, so I had to get it reset because I was locked out of my account. So I had to wait a day for that to be reset by CDTA. Fine, but of course the buses take up to βtwo daysβ to sync money added to your card to the buses, because they load the fare data via wireless internet once a day, when the buses are returned to the garage for the night, and the fare boxes are unloaded. Fine. It turns out I had enough money to cover my bus fares but I kept a few extra quarters and bucks in my wallet.
Other then that, I didnβt anticipate much issues, although my debit card didnβt seem to work everywhere. I had that issue at Stewartsβ the other day. I donβt like only having the debit card, as Iβd rather have two options for payment in case one card doesnβt work. I donβt carry much cash, and if my debit card fails for some reason, I really prefer to use my credit card. Moreover, the credit card is easier to manage β I donβt have to worry about overdrafting it β and itβs easier to review expenditures and pay it all off at once.
So be it.
"For a little while Wednesday afternoon, customers at an ATM in Texas got a curious extra with their cash. Along with a receipt detailing their transaction, they got a little slip of scribbled-on white paper."
"It was a plea for help from the man trapped inside."