Thursday, March 26, 2009
Wednesday, March 25, 2009
I've always wondered why there is a choice (other than the option for cash back) between debit and cash. Either way, the retailer befits more from cash transactions.
First we need to clarify something: just because you select "credit" and sign with your debit card, you're not really making a credit card purchase. The money is still drafted from your account directly, it just takes a little longer. This method of using your debit card is called a signature debit, and it's cleared via a different network than when you pay by punching in your PIN (which, logically, is called a pin debit).
Merchants have to pay more money for signature debit transactions than for pin debit ones. It's in the card issuer's interest to get you to use the debit card in the way that will generate the highest fees. If you're going to pay with debit anyway, it's cheaper on the merchant if you go the pin route.
Remember, though, that paying with a real credit card conveys certain benefits. It may give you more protection in terms of disputes or extended warranties, and in cases where the merchant places a hold—hotels and car rentals, for example—a real credit card will prevent your checking funds from being frozen indefinitely. Your bank may in fact extend those benefits to any signature debit transactions on your debit card, but you'll have to contact your bank to find out.
Wednesday, March 18, 2009
Friday, March 13, 2009
Our shop is such a mess that we occasionally find weird, random items with no idea as to how they arrived. Today while cleaning, we found a 1947 issue of "Child Evangelism News" with bonus flannel-graph images. I have fond memories of flannel-graph-illustrated stories in Sunday School during my youth, but I don't recall any like these.
The rather un-PC figures depict a Native American chief becoming penitent, along with his family (and apparently, his horse), thanks to the proselytizing of a well-dressed, benevolent white man. Not that the message isn't a good one, but we thought it was rather funny. Actually, the white guy looked amazingly similar to the picture of the editor of "Child Evangelism News." I wonder if you can still find these in any Christian book stores.
Some of the Comments from our friends:
"This made me laugh phenomenally.
I especially love the way their clothing is so completely from two different time periods. Ha ha ha ha ha.
Either that or the preacher randomly went to a Native American Tribal Fest or reenactment and converted the actors. But I doubt it."
"HE CONVERTED THE HORSE TOO?!"
"At first I couldn't figure out why they were all genuflecting to that preacher. Then I realized: They were just trying to get a better look at what must be the world's largest pair of feet.
Also, I'm amazed that this family saw the need to put a riding blanket on the back of their dog-sized horse. Any one of them would kill the poor little beast if they tried to ride it."
Thursday, March 12, 2009
Ht to Swerve
Wednesday, March 11, 2009
Wednesday, March 4, 2009
It is early but thanks to David at Sugar Maple Interactive for helping me put it up! While I did a lot of the designing work (i.e. finding a good template), it wouldn't be a reality without them. If you need a site, see them. They are good people.
Feel free to let me know what you think.
As an aside, Our current series
Tuesday, March 3, 2009
First and foremost, it is weird being an obvious outsider. Everyone is nice but I get the sense that they are skeptical about me. I'm also trying to figure the ins and outs of the town.
Secondly, I'm learning to live without FOX. Since the local FOX station is not broadcasting at full power, we can't pick it up (yet). I'm hoping that changes come football season. Also, that's why my wife is forcing me to watch the Bachelor finale as oppose to forcing me to watch American Idol. I would rather watch a baby seal get clubbed than watch this sorry excuse for a show manipulate the word love.
Thirdly, I'm also trying to figure our if we need to be a one car family. My regal is acting up. I hope everything is alright but I've found that I enjoy walking places. I'm also looking forward to trying to bike places that I need to go if Lori has the car. We are still praying about this.
Fourth, now that I am in a house, I realized how much I took for granted living in an apartment. There is definitely more to do (like take out the trash) and deal with landscaping.
Finally, I am 94% sure that after six years of having a cell phone that I will no longer have one. Verizon does not have good reception (though the actual land line is run by Verizon).
So yeah, that is what is going on for all you who were wondering. . .