On 1/7/2016 5:47 PM, wrote:

>
> The only caveat I would add, is I do hope she knows what there is and
> where she stands if you go off the mortal coil first.
>

I've taken some steps, just in case. She would also sell the house and
move to a much smaller place. Our kids know what side of the mattress
to look under.

On 8/1/2016 12:38 Ed Pawlowski wrote:

> On 1/7/2016 2:40 PM, Bruce wrote:
>
>>
>> There are no charges that I can avoid by paying cash. For me, there is
>> no financial difference between paying cash and paying with a debit
>> card.
>>
>
> Most times, yes the price is the price. Banks made it that cash
> discounts or CC surcharges are not allowed. Not to mention that the
> cashier at your usual stores would never be authorized to give you a
> deal. Biggest savings comes from the $50 and up buy from the owner of
> the store. Ir won't be from the big car dealer, but may be from the
> local auto repair shop.

Same here, especially when we have my mother-in-law with us, although
that's never about paying cash, it's just haggling.

> In Italy, pay cash and you can save BIG

I didn't know that. Maybe they keep the whole purchase out of their
books if you pay cash, so you don't have to pay VAT.

--
Bruce

On 1/7/2016 9:43 AM, Dave Smith wrote:
> On 2016-01-07 7:54 AM, Nancy Young wrote:
>
>> Unless someone has used my credit card who it not authorized,
>> I'm never surprised at the end of the month. That's only happened
>> once. That I could straighten out without a hassle and without
>> the funds disappearing from my checking account, the way it goes
>> for debit card users.
>
> The only surprises I have had lately were on charges I made in
> California and discovered I have been gouged on the exchange rate. We
> were there with a friend we were visiting in Palo Alto and it was a
> short drive from her place. I bought an $85 sweater and a $15 cap. When
> the bill came there was a charge for a little over $150 at a place
> whose name I did not recognize in a place called Mountainview. I have
> to go rummaging through bills and when I found the one from REI I
> immediately recognized the purchases, and then consulted Google Maps and
> saw that Mountainview was the municipality in which the store was located.

Talk about pulling a fast one. I wonder how they came up with
that number.

>> Of course, people who don't handle credit well are better off
>> with a debit card, but that's another subject.
>>
>
> Some people do not.

It's one of those know yourself things. I never had major credit
card debt but enough to know it's a trap that can be hard to climb
out. Some people know they can't resist spending on credit, good
for them to stay away from it.

> My son ended up in credit card debt and it was tough
> for him to pay it off.

I am thankful that I didn't have credit available when I was
starting out.

> I could have helped him out but I hoped that he
> would learn from a hard lesson.

You don't want to make it easy but at some point I'd probably step in.
Not too fast. And it would be known it was a one time thing. Of
course, he might say no thanks, people have their pride.

> I have known a few people who owed so
> much on their cards that they had a rough time each month coming up with
> the minimum payments.

It's really tough. I can't imagine being in that deep, but it happens.

> Personally, I have a newspaper subscription,
> telephone and satellite bills that I pay by credit card. I occasionally
> make telephone or online purchases by card. Other than that I usually
> only use credit cards for something big that I can pay off with money
> due in soon. Christmas is an expensive time so I pay about half the
> present purchases by card and pay it off in January.

I carry a bit of cash and it is in my wallet for weeks. I charge
everything big or small and pay it off every month. Of course, by this
point I hardly want anything expensive enough to make a difference,
maybe a car once in a while, or some furniture.

nancy

On 1/7/2016 7:00 PM, sf wrote:

> I'm not talking about the old cards, I'm talking about the new ones.
> There's no failsafe, they're used just like the old ones are.
>
>
Swipe cards are easily duplicated. Chip cards are not. They are not
used like the old ones as you have to insert them to be read and no card
information is left behind.

On 1/7/2016 10:02 AM, Dave Smith wrote:

>
> When my father died my brother expected to inherit my parent's house.For
> some reason, he expected it to go to the eldest son. He got a rude
> surprise. My other brothers and I were not at all surprised that he had
> left everything to our mother. That was what we had expected and what we
> thought would be proper.
>
>
Dad died so I have my own house once I kick mom out?

Once we are both gone our 2 kids split what is left. If I go first,
wife gets everything, but half is hers anyway.

On 1/7/2016 11:11 AM, Janet wrote:

>> Buy lunch and use your debit or credit card and you give them another
>> few shillings.
>
> I pay exactly the same price as cash. I pay no charges whatever for
> the use of my DD or credit cards. This is not the USA.
>
> Janet UK
The bank does it for free? No, they don't. The money they get is a
part of your purchase. It is not itemized, but we all pay it,
unfortunately, cash customers pay the same price but at least it goes to
the merchant, not the bank. Does not matter what part of the world you
are in, the bank gets money when the CC is used.

On 1/7/2016 11:22 AM, John Kuthe wrote:
> On Thursday, January 7, 2016 at 10:12:13 AM UTC-6, Janet wrote:
> ...
>> I pay exactly the same price as cash. I pay no charges whatever for
>> the use of my DD or credit cards. This is not the USA.
>>
>> Janet UK
>
> I DO live in the U.S. and I pay no charges on my CC because I pay off the balanace every month! I'm what creditors call a "deadbeat"!
>
>
>
> John Kuthe...
>

The merchant had to raise prices to cover the cost of the fee he pays
when you use your card. In the end, banks are making money from us. It
is really easy because people don't think they are paying. Slick, eh?
Paying off your card means you pay less than people that carry a balance
but they still get some of your money.

On Thu, 07 Jan 2016 16:03:08 -0800, sf > wrote:

>On Thu, 7 Jan 2016 09:31:43 -0000 (UTC), Bruce >
>wrote:
>
>> On 7/1/2016 20:10 sf wrote:
>>
>> > On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
>> > wrote:
>> >
>> >> On 7/1/2016 17:21 sf wrote:
>> >>
>> >> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>> >> > wrote:
>> >> >
>> >> >> On 7/1/2016 10:50 sf wrote:
>> >> >>
>> >> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>> >> >> > wrote:
>> >> >> >
>> >> >> >> On 7/1/2016 10:06 sf wrote:
>> >> >> >>
>> >> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>> >> >> >> > > wrote:
>> >> >> >> >
>> >> >> >> >> If the cost of using the debit card service is 20 cents
>> >> >> >> >
>> >> >> >> > I NEVER use a debit card.
>> >> >> >>
>> >> >> >> I NEVER use a credit card.
>> >> >> >
>> >> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
>> >> >> > pay it off.
>> >> >>
>> >> >> All debit card. I also pay invoices the day I receive them, rather than
>> >> >> wait until the due date.
>> >> >
>> >> > Debit card? <shudder>
>> >>
>> >> What's wrong with that? I like to pay on the spot.
>> >
>> > You enjoy paying the bank for every transaction? Pay with cash if
>> > you're all about paying on the spot.
>>
>> But I pay the same amount, whether I pay cash or by debit card.
>
>You do it without an added fee per transaction? I doubt it.

In Canada, the banks *do not* add a transaction fee for using a debit
card.

Doris

On 1/7/2016 2:49 PM, Bruce wrote:

>> YOU were the one suggesting there was!!
>
> I was referring to the way Ed talked about his wife. As if she's not a
> 100% in the brain and can't be confused by complicated things such as
> money. I found that tone offensive, unless she's really
> mentally challenged of course. It's a repeat of that restaurant
> discussion, where you also followed the 50s patronising point of
> view that us men shouldn't complicate our poor little ladies' lives with
> ugly matters such as money. "I'll talk to the bank manager, you go make
> cupcakes."
>

She prefers not to handle the money. At one time she did and is very
capable. It is her choice for reasons I'm not going into here. She
likes it that way.

I could tell you about the time she took someone to court. The lawyers
were trying to negotiate a settlement when she had enough, spoke up and
laid out both lawyers. If was funny to watch as they both went to the
judge to say it was resolved exactly as she requested.

I could tell you about the time she took on the Monsignor in charge of
the Philadelphia Catholic schools and got changes made.

She is very happy the way things are in our life but she won't take crap
from anyone. She does not make cupcakes but makes a great pound cake.

On 8/1/2016 15:38 Ed Pawlowski wrote:

> On 1/7/2016 2:49 PM, Bruce wrote:
>
>>> YOU were the one suggesting there was!!
>>
>> I was referring to the way Ed talked about his wife. As if she's not a
>> 100% in the brain and can't be confused by complicated things such as
>> money. I found that tone offensive, unless she's really
>> mentally challenged of course. It's a repeat of that restaurant
>> discussion, where you also followed the 50s patronising point of
>> view that us men shouldn't complicate our poor little ladies' lives with
>> ugly matters such as money. "I'll talk to the bank manager, you go make
>> cupcakes."
>>
>
> She prefers not to handle the money. At one time she did and is very
> capable. It is her choice for reasons I'm not going into here. She
> likes it that way.
>
> I could tell you about the time she took someone to court. The lawyers
> were trying to negotiate a settlement when she had enough, spoke up and
> laid out both lawyers. If was funny to watch as they both went to the
> judge to say it was resolved exactly as she requested.
>
> I could tell you about the time she took on the Monsignor in charge of
> the Philadelphia Catholic schools and got changes made.
>
> She is very happy the way things are in our life but she won't take crap
> from anyone. She does not make cupcakes but makes a great pound cake.

I wasn't criticising or putting down your wife. I was criticising
an old fashioned male attitude towards women.

--
Bruce

On 1/7/2016 1:16 PM, spamola do spammyro wrote:

> Ga

Typical spammyshitbrain response from a gutless coward WHO NEVER SERVED!

Gonna man up some day, you disgusting cowardly traitor?

Do you ever have anything of interest, or substance, to say?

You are a little dick bitch who feels like it is his civic duty as
a Usenet troll to place his nose firmly in the sphincters of those he
dislikes every time they post. They all own you, spammy, you useless
piece of SHIT!

'Shit happens'
---Traitorous Spammy's reply to the fact that 34 Americans
died and 170 were injured when Israel attacked the USS
Liberty.
Spammy is a gutless coward who has never served his country in
uniform.

On 1/7/2016 1:11 PM, spamola do spammyro wrote:

> Wo

Typical spammyshitbrain response from a gutless coward WHO NEVER SERVED!

Gonna man up some day, you disgusting cowardly traitor?

Do you ever have anything of interest, or substance, to say?

You are a little dick bitch who feels like it is his civic duty as
a Usenet troll to place his nose firmly in the sphincters of those he
dislikes every time they post. They all own you, spammy, you useless
piece of SHIT!

'Shit happens'
---Traitorous Spammy's reply to the fact that 34 Americans
died and 170 were injured when Israel attacked the USS
Liberty.
Spammy is a gutless coward who has never served his country in
uniform.

On 1/7/2016 8:22 AM, spamola do spammyro is:

> willfully clueless.

Typical spammyshitbrain response from a gutless coward WHO NEVER SERVED!

Gonna man up some day, you disgusting cowardly traitor?

Do you ever have anything of interest, or substance, to say?

You are a little dick bitch who feels like it is his civic duty as
a Usenet troll to place his nose firmly in the sphincters of those he
dislikes every time they post. They all own you, spammy, you useless
piece of SHIT!

'Shit happens'
---Traitorous Spammy's reply to the fact that 34 Americans
died and 170 were injured when Israel attacked the USS
Liberty.
Spammy is a gutless coward who has never served his country in
uniform.

On 1/7/2016 8:26 AM, spamola do spammyro wrote:

> W

Typical spammyshitbrain response from a gutless coward WHO NEVER SERVED!

Gonna man up some day, you disgusting cowardly traitor?

Do you ever have anything of interest, or substance, to say?

You are a little dick bitch who feels like it is his civic duty as
a Usenet troll to place his nose firmly in the sphincters of those he
dislikes every time they post. They all own you, spammy, you useless
piece of SHIT!

'Shit happens'
---Traitorous Spammy's reply to the fact that 34 Americans
died and 170 were injured when Israel attacked the USS
Liberty.
Spammy is a gutless coward who has never served his country in
uniform.

On 1/7/2016 12:21 PM, spamola do spammyro is:

> a real ****ing BIOTCH!

Typical spammyshitbrain response from a gutless coward WHO NEVER SERVED!

Gonna man up some day, you disgusting cowardly traitor?

Do you ever have anything of interest, or substance, to say?

You are a little dick bitch who feels like it is his civic duty as
a Usenet troll to place his nose firmly in the sphincters of those he
dislikes every time they post. They all own you, spammy, you useless
piece of SHIT!

'Shit happens'
---Traitorous Spammy's reply to the fact that 34 Americans
died and 170 were injured when Israel attacked the USS
Liberty.
Spammy is a gutless coward who has never served his country in
uniform.

On 1/7/2016 12:22 PM, spamola do spammyro is a:

> Fascist

Typical spammyshitbrain response from a gutless coward WHO NEVER SERVED!

Gonna man up some day, you disgusting cowardly traitor?

Do you ever have anything of interest, or substance, to say?

You are a little dick bitch who feels like it is his civic duty as
a Usenet troll to place his nose firmly in the sphincters of those he
dislikes every time they post. They all own you, spammy, you useless
piece of SHIT!

'Shit happens'
---Traitorous Spammy's reply to the fact that 34 Americans
died and 170 were injured when Israel attacked the USS
Liberty.
Spammy is a gutless coward who has never served his country in
uniform.

On 1/7/2016 8:42 AM, spamola do spammyro is:

> an unpleasant old washerwoman

Typical spammyshitbrain response from a gutless coward WHO NEVER SERVED!

Gonna man up some day, you disgusting cowardly traitor?

Do you ever have anything of interest, or substance, to say?

You are a little dick bitch who feels like it is his civic duty as
a Usenet troll to place his nose firmly in the sphincters of those he
dislikes every time they post. They all own you, spammy, you useless
piece of SHIT!

'Shit happens'
---Traitorous Spammy's reply to the fact that 34 Americans
died and 170 were injured when Israel attacked the USS
Liberty.
Spammy is a gutless coward who has never served his country in
uniform.

On Thu, 7 Jan 2016 23:00:45 -0500, Ed Pawlowski > wrote:

> On 1/7/2016 7:00 PM, sf wrote:
>
> > I'm not talking about the old cards, I'm talking about the new ones.
> > There's no failsafe, they're used just like the old ones are.
> >
> >
> Swipe cards are easily duplicated. Chip cards are not. They are not
> used like the old ones as you have to insert them to be read and no card
> information is left behind.

If someone has *your* card in their hand, nothing is stopping them
from using it.

--

sf

"Ed Pawlowski" > wrote in message
...
> On 1/7/2016 2:49 PM, Bruce wrote:
>
>>> YOU were the one suggesting there was!!
>>
>> I was referring to the way Ed talked about his wife. As if she's not a
>> 100% in the brain and can't be confused by complicated things such as
>> money. I found that tone offensive, unless she's really
>> mentally challenged of course. It's a repeat of that restaurant
>> discussion, where you also followed the 50s patronising point of
>> view that us men shouldn't complicate our poor little ladies' lives with
>> ugly matters such as money. "I'll talk to the bank manager, you go make
>> cupcakes."
>>
>
> She prefers not to handle the money. At one time she did and is very
> capable. It is her choice for reasons I'm not going into here. She likes
> it that way.
>
> I could tell you about the time she took someone to court. The lawyers
> were trying to negotiate a settlement when she had enough, spoke up and
> laid out both lawyers. If was funny to watch as they both went to the
> judge to say it was resolved exactly as she requested.
>
> I could tell you about the time she took on the Monsignor in charge of the
> Philadelphia Catholic schools and got changes made.
>
> She is very happy the way things are in our life but she won't take crap
> from anyone. She does not make cupcakes but makes a great pound cake.

))

--
http://www.helpforheroes.org.uk/shop/

"sf" > wrote in message
...
> On Thu, 7 Jan 2016 13:15:48 -0000, "Ophelia" >
> wrote:
>
>>
>>
>> > wrote in message
>> news
>> > On Thu, 07 Jan 2016 01:10:47 -0800, sf > wrote:
>> >
>> >>On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
>> >>wrote:
>> >>
>> >>> On 7/1/2016 17:21 sf wrote:
>> >>>
>> >>> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce
>> >>> > >
>> >>> > wrote:
>> >>> >
>> >>> >> On 7/1/2016 10:50 sf wrote:
>> >>> >>
>> >>> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce
>> >>> >> > >
>> >>> >> > wrote:
>> >>> >> >
>> >>> >> >> On 7/1/2016 10:06 sf wrote:
>> >>> >> >>
>> >>> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>> >>> >> >> > > wrote:
>> >>> >> >> >
>> >>> >> >> >> If the cost of using the debit card service is 20 cents
>> >>> >> >> >
>> >>> >> >> > I NEVER use a debit card.
>> >>> >> >>
>> >>> >> >> I NEVER use a credit card.
>> >>> >> >
>> >>> >> > You're all cash? That's crazy. Use the bank's money for 30
>> >>> >> > days
>> >>> >> > and
>> >>> >> > pay it off.
>> >>> >>
>> >>> >> All debit card. I also pay invoices the day I receive them, rather
>> >>> >> than
>> >>> >> wait until the due date.
>> >>> >
>> >>> > Debit card? <shudder>
>> >>>
>> >>> What's wrong with that? I like to pay on the spot.
>> >>
>> >>You enjoy paying the bank for every transaction? Pay with cash if
>> >>you're all about paying on the spot.
>> >
>> > I don't pay anything for using my debit card - I suppose I would if
>> > the money was not in my account but that has never happened. I can't
>> > imagine going to an ATM, getting cash and paying on the spot that way.
>> > With a debit card it's as if my whole chequing account is right with
>> > me.
>>
>> +1 sf simply doesn't understand how our debit cards work.
>
> I know how they work.

LOL
--
http://www.helpforheroes.org.uk/shop/

"Ed Pawlowski" > wrote in message
...
> On 1/7/2016 5:47 PM, wrote:
>
>>
>> The only caveat I would add, is I do hope she knows what there is and
>> where she stands if you go off the mortal coil first.
>>
>
> I've taken some steps, just in case. She would also sell the house and
> move to a much smaller place. Our kids know what side of the mattress to
> look under.

No caring husband with a brain would leave his wife in the lurch if he died
and you are very obviously very caring!



--
http://www.helpforheroes.org.uk/shop/

"dsi1" > wrote in message
...
> On Thursday, January 7, 2016 at 11:49:42 AM UTC-10, Ophelia wrote:
>> "dsi1" <> wrote in message
>> ...
>>
>> >
>> > This morning I went downstairs and checked out the crockpot. I was
>> > surprised to see it bubbling on medium so I turned off the heat. The
>> > taro
>> > was mostly in liquid and I tried one - it was everything I could have
>> > expected and more. I'm hankering for some right now. The taro might
>> > need
>> > to be cooked more because my throat feels irritated. Of course, this
>> > could
>> > be totally my imagination. Hopefully, I'll be making some wonderful
>> > foods
>> > in this slow cooker. For a while anyway - after that I'll probably get
>> > sick of slow cooking. Next, I'll probably make BBQ beans - yummy!
>>
>> Wow! When did you dig it out and start cooking in it???
>>
>
> I heard the call of laulau and I just had to respond. I should have done
> this a year ago. Hee hee.
>
> Life is uncertain but one thing I do know is that there's a laulau with my
> name on it at home. Life is good.
>

A great start to a new year

--
http://www.helpforheroes.org.uk/shop/

On Thursday, January 7, 2016 at 3:17:06 PM UTC-5, wrote:
> On Thu, 7 Jan 2016 14:53:04 -0000, Janet > wrote:
>
> >In article >,
> says...
> >>
> >> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
> >> wrote:
> >>
> >> >
> >> >
> >> > wrote in message
> >> >news > >> >> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >
> >> >> wrote:
> >> >>
> >> >>>On 1/6/2016 8:34 AM, Janet wrote:
> >> >>>>> All my money is happy money! I can't remember the last time I went out
> >> >>>>> >without Himself and he carries money.
> >> >>>>
> >> >>>> OMG
> >> >>>>
> >> >>>> Janet UK
> >> >>>
> >> >>>I sure hope "Himself" doesn't die before she does. Whatever would she
> >> >>>do?!
> >> >>>
> >> >>>Jill
> >> >>
> >> >> Huh? I don't get what you mean, what difference would it make,
> >> >> imagine they have a joint account as did we.
> >> >
> >> >??? Everything we have is joint! All our pensions, savings et al!
> >> >
> >> >I wonder if she has a joint account with her 'SO' ... and what difference it
> >> >would make if 'SO' dies before she does.
> >> >
> >> >If not, whatever would she do?!
> >> >
> >> >And No, I don't care!
> >>
> >> Well if she had, she wouldn't have wondered how you would manage. When
> >> David died nothing changed for me other than that I no longer had him
> >> No worries as to money etc. Three little words 'All to wife' -
> >
> > Though that doesn't apply in Scotland if the deceased has children. In
> >Scottish inheritance law, even adult children retain permanent
> >inheritance rights over part of their parents' estates.
> >
> >
> > Janet UK
>
> I realise that, but I am in New Scotland and although our laws merge
> with Scottish ones should I die intestate, that's not going to happen.
> We made wills for the first time here when David heard if he died
> intestate his father would have been entitled to a share and knowing
> him, we knew he would justify it by saying 'it's only right' so we
> made wills even though we were young.

Neither of us has a will, but all of our assets are jointly titled,
except for our 401k's and we're each other's beneficiaries on those.

Cindy Hamilton

"Cindy Hamilton" > wrote in message
...
> On Thursday, January 7, 2016 at 3:17:06 PM UTC-5, wrote:
>> On Thu, 7 Jan 2016 14:53:04 -0000, Janet > wrote:
>>
>> >In article >,
>> says...
>> >>
>> >> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
>> >> wrote:
>> >>
>> >> >
>> >> >
>> >> > wrote in message
>> >> >news >> >> >> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >
>> >> >> wrote:
>> >> >>
>> >> >>>On 1/6/2016 8:34 AM, Janet wrote:
>> >> >>>>> All my money is happy money! I can't remember the last time I
>> >> >>>>> went out
>> >> >>>>> >without Himself and he carries money.
>> >> >>>>
>> >> >>>> OMG
>> >> >>>>
>> >> >>>> Janet UK
>> >> >>>
>> >> >>>I sure hope "Himself" doesn't die before she does. Whatever would
>> >> >>>she
>> >> >>>do?!
>> >> >>>
>> >> >>>Jill
>> >> >>
>> >> >> Huh? I don't get what you mean, what difference would it make,
>> >> >> imagine they have a joint account as did we.
>> >> >
>> >> >??? Everything we have is joint! All our pensions, savings et al!
>> >> >
>> >> >I wonder if she has a joint account with her 'SO' ... and what
>> >> >difference it
>> >> >would make if 'SO' dies before she does.
>> >> >
>> >> >If not, whatever would she do?!
>> >> >
>> >> >And No, I don't care!
>> >>
>> >> Well if she had, she wouldn't have wondered how you would manage. When
>> >> David died nothing changed for me other than that I no longer had him
>> >> No worries as to money etc. Three little words 'All to wife' -
>> >
>> > Though that doesn't apply in Scotland if the deceased has children. In
>> >Scottish inheritance law, even adult children retain permanent
>> >inheritance rights over part of their parents' estates.
>> >
>> >
>> > Janet UK
>>
>> I realise that, but I am in New Scotland and although our laws merge
>> with Scottish ones should I die intestate, that's not going to happen.
>> We made wills for the first time here when David heard if he died
>> intestate his father would have been entitled to a share and knowing
>> him, we knew he would justify it by saying 'it's only right' so we
>> made wills even though we were young.
>
> Neither of us has a will, but all of our assets are jointly titled,
> except for our 401k's and we're each other's beneficiaries on those.

All our assets are joint too but we still have wills. I don't know what a
401k is.


--
http://www.helpforheroes.org.uk/shop/

On 1/8/2016 7:04 AM, Ophelia wrote:
>
> All our assets are joint too but we still have wills. I don't know what
> a 401k is.
>

A tax-deferred retirement account.

On Thu, 7 Jan 2016 20:27:29 -0500, Ed Pawlowski > wrote:

>On 1/7/2016 5:35 PM, Dave Smith wrote:
>> On 2016-01-07 1:44 PM, Ed Pawlowski wrote:
>>> On 1/7/2016 12:09 PM, Gary wrote:
>>
>>> Correct, the merchant pays a fee. You just pay higher prices for
>>> everything as the merchant has it build into the selling price.
>>
>>
>> The flip side of that is that in many cases the vendor makes a sale they
>> might not have had the customer not had magic money in the form of a
>> debit card. If we forget to get something out of the freezer or forget
>> to stop at a store for something in the middle of the week we can got
>> out for dinner without having budgeted for it in the weekly cash.
>
>That is true, especially for big ticket items. OTOH, many people no
>longer carry cash and could not buy a burger with what is in their
>pocket. With plastic you have access to thousands of dollars.
>
>I also know a couple of people that carry neither as a method of budget
>control. Hey, if it works, do it.

I agree, I find if I have cash, I will spend it, if I have to bring
out a card, even though I just tap it, I hesitate

On Thu, 7 Jan 2016 20:47:40 -0500, Ed Pawlowski > wrote:

>On 1/7/2016 5:47 PM, wrote:
>
>>
>> The only caveat I would add, is I do hope she knows what there is and
>> where she stands if you go off the mortal coil first.
>>
>
>I've taken some steps, just in case. She would also sell the house and
>move to a much smaller place. Our kids know what side of the mattress
>to look under.

All good - carry on.

On Thu, 07 Jan 2016 23:34:05 -0500, Doris Night
> wrote:

>On Thu, 07 Jan 2016 16:03:08 -0800, sf > wrote:
>
>>On Thu, 7 Jan 2016 09:31:43 -0000 (UTC), Bruce >
>>wrote:
>>
>>> On 7/1/2016 20:10 sf wrote:
>>>
>>> > On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
>>> > wrote:
>>> >
>>> >> On 7/1/2016 17:21 sf wrote:
>>> >>
>>> >> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>>> >> > wrote:
>>> >> >
>>> >> >> On 7/1/2016 10:50 sf wrote:
>>> >> >>
>>> >> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>>> >> >> > wrote:
>>> >> >> >
>>> >> >> >> On 7/1/2016 10:06 sf wrote:
>>> >> >> >>
>>> >> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>>> >> >> >> > > wrote:
>>> >> >> >> >
>>> >> >> >> >> If the cost of using the debit card service is 20 cents
>>> >> >> >> >
>>> >> >> >> > I NEVER use a debit card.
>>> >> >> >>
>>> >> >> >> I NEVER use a credit card.
>>> >> >> >
>>> >> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
>>> >> >> > pay it off.
>>> >> >>
>>> >> >> All debit card. I also pay invoices the day I receive them, rather than
>>> >> >> wait until the due date.
>>> >> >
>>> >> > Debit card? <shudder>
>>> >>
>>> >> What's wrong with that? I like to pay on the spot.
>>> >
>>> > You enjoy paying the bank for every transaction? Pay with cash if
>>> > you're all about paying on the spot.
>>>
>>> But I pay the same amount, whether I pay cash or by debit card.
>>
>>You do it without an added fee per transaction? I doubt it.
>
>In Canada, the banks *do not* add a transaction fee for using a debit
>card.
>
>Doris

Waste of time telling her that - if it's not what they do in SF then
you are liar, don't know what you are talking about because that's how
it is!

On Thu, 7 Jan 2016 23:38:25 -0500, Ed Pawlowski > wrote:

>On 1/7/2016 2:49 PM, Bruce wrote:
>
>>> YOU were the one suggesting there was!!
>>
>> I was referring to the way Ed talked about his wife. As if she's not a
>> 100% in the brain and can't be confused by complicated things such as
>> money. I found that tone offensive, unless she's really
>> mentally challenged of course. It's a repeat of that restaurant
>> discussion, where you also followed the 50s patronising point of
>> view that us men shouldn't complicate our poor little ladies' lives with
>> ugly matters such as money. "I'll talk to the bank manager, you go make
>> cupcakes."
>>
>
>She prefers not to handle the money. At one time she did and is very
>capable. It is her choice for reasons I'm not going into here. She
>likes it that way.
>
>I could tell you about the time she took someone to court. The lawyers
>were trying to negotiate a settlement when she had enough, spoke up and
>laid out both lawyers. If was funny to watch as they both went to the
>judge to say it was resolved exactly as she requested.
>
>I could tell you about the time she took on the Monsignor in charge of
>the Philadelphia Catholic schools and got changes made.
>
>She is very happy the way things are in our life but she won't take crap
>from anyone. She does not make cupcakes but makes a great pound cake.

Pound cake is much nicer than those silly cupcakes.

On Fri, 8 Jan 2016 03:58:44 -0800 (PST), Cindy Hamilton
> wrote:

>On Thursday, January 7, 2016 at 3:17:06 PM UTC-5, wrote:
>> On Thu, 7 Jan 2016 14:53:04 -0000, Janet > wrote:
>>
>> >In article >,
>> says...
>> >>
>> >> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
>> >> wrote:
>> >>
>> >> >
>> >> >
>> >> > wrote in message
>> >> >news >> >> >> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >
>> >> >> wrote:
>> >> >>
>> >> >>>On 1/6/2016 8:34 AM, Janet wrote:
>> >> >>>>> All my money is happy money! I can't remember the last time I went out
>> >> >>>>> >without Himself and he carries money.
>> >> >>>>
>> >> >>>> OMG
>> >> >>>>
>> >> >>>> Janet UK
>> >> >>>
>> >> >>>I sure hope "Himself" doesn't die before she does. Whatever would she
>> >> >>>do?!
>> >> >>>
>> >> >>>Jill
>> >> >>
>> >> >> Huh? I don't get what you mean, what difference would it make,
>> >> >> imagine they have a joint account as did we.
>> >> >
>> >> >??? Everything we have is joint! All our pensions, savings et al!
>> >> >
>> >> >I wonder if she has a joint account with her 'SO' ... and what difference it
>> >> >would make if 'SO' dies before she does.
>> >> >
>> >> >If not, whatever would she do?!
>> >> >
>> >> >And No, I don't care!
>> >>
>> >> Well if she had, she wouldn't have wondered how you would manage. When
>> >> David died nothing changed for me other than that I no longer had him
>> >> No worries as to money etc. Three little words 'All to wife' -
>> >
>> > Though that doesn't apply in Scotland if the deceased has children. In
>> >Scottish inheritance law, even adult children retain permanent
>> >inheritance rights over part of their parents' estates.
>> >
>> >
>> > Janet UK
>>
>> I realise that, but I am in New Scotland and although our laws merge
>> with Scottish ones should I die intestate, that's not going to happen.
>> We made wills for the first time here when David heard if he died
>> intestate his father would have been entitled to a share and knowing
>> him, we knew he would justify it by saying 'it's only right' so we
>> made wills even though we were young.
>
>Neither of us has a will, but all of our assets are jointly titled,
>except for our 401k's and we're each other's beneficiaries on those.
>
>Cindy Hamilton

Life,or I should say death, is more simple with a will. I would have
wished the previous owner of my late cat had made one. She didn't,
she didn't have anyone so the government moved in and the Public
Trustee was going to 'exterminate' the cat in the unit. The super
begged me to take her and I did. However we both raged over the fact
she could have left her money and condo to the cat shelter! The
government cleaned up nearly $300,00 altogether

"S Viemeister" > wrote in message
...
> On 1/8/2016 7:04 AM, Ophelia wrote:
>>
>> All our assets are joint too but we still have wills. I don't know what
>> a 401k is.
>>
>
> A tax-deferred retirement account.

Thanks, Sheila


--
http://www.helpforheroes.org.uk/shop/

On 2016-01-07 8:27 PM, Ed Pawlowski wrote:
> On 1/7/2016 5:35 PM, Dave Smith wrote:

>> The flip side of that is that in many cases the vendor makes a sale they
>> might not have had the customer not had magic money in the form of a
>> debit card. If we forget to get something out of the freezer or forget
>> to stop at a store for something in the middle of the week we can got
>> out for dinner without having budgeted for it in the weekly cash.
>
> That is true, especially for big ticket items. OTOH, many people no
> longer carry cash and could not buy a burger with what is in their
> pocket. With plastic you have access to thousands of dollars.

I have noticed a lot of people paying for coffee with debit cards, and I
mean a single coffee, not enough to take back to the office. I wonder
what people like that would do in an emergency situation that would see
power outages and the card swiping system go down.



> I also know a couple of people that carry neither as a method of budget
> control. Hey, if it works, do it.

I used to have a healthier chequing account before I had a card and I
had to go to the bank for cash.

On 2016-01-08 7:30 AM, wrote:

>> I also know a couple of people that carry neither as a method of budget
>> control. Hey, if it works, do it.
>
> I agree, I find if I have cash, I will spend it, if I have to bring
> out a card, even though I just tap it, I hesitate


I am lucky to be in a position where I am not on a strict budget. I take
out a certain amount of cash each week for spending money. That pays
for coffees, picking up fresh fruit, small items, gas for the
motorcycle (in season),magazines, an occasional lunch out. Anything else
is paid for by debit.

In article >,
says...
>
> On Thursday, January 7, 2016 at 3:17:06 PM UTC-5, wrote:
> > On Thu, 7 Jan 2016 14:53:04 -0000, Janet > wrote:
> >
> > >In article >,
> > says...
> > >>
> > >> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
> > >> wrote:
> > >>
> > >> >
> > >> >
> > >> > wrote in message
> > >> >news > > >> >> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >
> > >> >> wrote:
> > >> >>
> > >> >>>On 1/6/2016 8:34 AM, Janet wrote:
> > >> >>>>> All my money is happy money! I can't remember the last time I went out
> > >> >>>>> >without Himself and he carries money.
> > >> >>>>
> > >> >>>> OMG
> > >> >>>>
> > >> >>>> Janet UK
> > >> >>>
> > >> >>>I sure hope "Himself" doesn't die before she does. Whatever would she
> > >> >>>do?!
> > >> >>>
> > >> >>>Jill
> > >> >>
> > >> >> Huh? I don't get what you mean, what difference would it make,
> > >> >> imagine they have a joint account as did we.
> > >> >
> > >> >??? Everything we have is joint! All our pensions, savings et al!
> > >> >
> > >> >I wonder if she has a joint account with her 'SO' ... and what difference it
> > >> >would make if 'SO' dies before she does.
> > >> >
> > >> >If not, whatever would she do?!
> > >> >
> > >> >And No, I don't care!
> > >>
> > >> Well if she had, she wouldn't have wondered how you would manage. When
> > >> David died nothing changed for me other than that I no longer had him
> > >> No worries as to money etc. Three little words 'All to wife' -
> > >
> > > Though that doesn't apply in Scotland if the deceased has children. In
> > >Scottish inheritance law, even adult children retain permanent
> > >inheritance rights over part of their parents' estates.
> > >
> > >
> > > Janet UK
> >
> > I realise that, but I am in New Scotland and although our laws merge
> > with Scottish ones should I die intestate, that's not going to happen.
> > We made wills for the first time here when David heard if he died
> > intestate his father would have been entitled to a share and knowing
> > him, we knew he would justify it by saying 'it's only right' so we
> > made wills even though we were young.
>
> Neither of us has a will, but all of our assets are jointly titled,
> except for our 401k's and we're each other's beneficiaries on those.
>
> Cindy Hamilton

After the second one dies, a will lets you decide who gets the
leftovers. If you both died young (or together in a car crash) that
could be susbstantial.

Janet UK

In article >,
says...
>
> On 1/7/2016 11:11 AM, Janet wrote:
>
> >> Buy lunch and use your debit or credit card and you give them another
> >> few shillings.
> >
> > I pay exactly the same price as cash. I pay no charges whatever for
> > the use of my DD or credit cards. This is not the USA.
> >
> > Janet UK

> The bank does it for free? No, they don't.

Focus on "I pay exactly the same price as cash".

Janet UK

On Fri, 8 Jan 2016 09:05:45 -0500, Dave Smith
> wrote:

>On 2016-01-08 7:30 AM, wrote:
>
>>> I also know a couple of people that carry neither as a method of budget
>>> control. Hey, if it works, do it.
>>
>> I agree, I find if I have cash, I will spend it, if I have to bring
>> out a card, even though I just tap it, I hesitate
>
>
>I am lucky to be in a position where I am not on a strict budget. I take
>out a certain amount of cash each week for spending money. That pays
>for coffees, picking up fresh fruit, small items, gas for the
>motorcycle (in season),magazines, an occasional lunch out. Anything else
>is paid for by debit.
>
I have refrained from the coffee habit, can't believe what people
spend on it.

On Fri, 8 Jan 2016 08:43:53 -0500, Dave Smith
> wrote:

> I used to have a healthier chequing account before I had a card and I
> had to go to the bank for cash.

Where does your debit card money come from if it's not in your
checking account?

--

sf

On Fri, 8 Jan 2016 10:20:47 -0000, "Ophelia" >
wrote:

>
>
> "sf" > wrote in message
> ...
> > On Thu, 7 Jan 2016 13:15:48 -0000, "Ophelia" >
> > wrote:
> >
> >>
> >>
> >> > wrote in message
> >> news > >> > On Thu, 07 Jan 2016 01:10:47 -0800, sf > wrote:
> >> >
> >> >>On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
> >> >>wrote:
> >> >>
> >> >>> On 7/1/2016 17:21 sf wrote:
> >> >>>
> >> >>> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce
> >> >>> > >
> >> >>> > wrote:
> >> >>> >
> >> >>> >> On 7/1/2016 10:50 sf wrote:
> >> >>> >>
> >> >>> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce
> >> >>> >> > >
> >> >>> >> > wrote:
> >> >>> >> >
> >> >>> >> >> On 7/1/2016 10:06 sf wrote:
> >> >>> >> >>
> >> >>> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
> >> >>> >> >> > > wrote:
> >> >>> >> >> >
> >> >>> >> >> >> If the cost of using the debit card service is 20 cents
> >> >>> >> >> >
> >> >>> >> >> > I NEVER use a debit card.
> >> >>> >> >>
> >> >>> >> >> I NEVER use a credit card.
> >> >>> >> >
> >> >>> >> > You're all cash? That's crazy. Use the bank's money for 30
> >> >>> >> > days
> >> >>> >> > and
> >> >>> >> > pay it off.
> >> >>> >>
> >> >>> >> All debit card. I also pay invoices the day I receive them, rather
> >> >>> >> than
> >> >>> >> wait until the due date.
> >> >>> >
> >> >>> > Debit card? <shudder>
> >> >>>
> >> >>> What's wrong with that? I like to pay on the spot.
> >> >>
> >> >>You enjoy paying the bank for every transaction? Pay with cash if
> >> >>you're all about paying on the spot.
> >> >
> >> > I don't pay anything for using my debit card - I suppose I would if
> >> > the money was not in my account but that has never happened. I can't
> >> > imagine going to an ATM, getting cash and paying on the spot that way.
> >> > With a debit card it's as if my whole chequing account is right with
> >> > me.
> >>
> >> +1 sf simply doesn't understand how our debit cards work.
> >
> > I know how they work.
>
> LOL

The payment comes directly out of your checking account. I said I
don't use one and nothing I've seen here has convinced me that I need
to start now.

--

sf

Dave Smith wrote:
> I have noticed a lot of people paying for coffee with debit cards, and I
> mean a single coffee, not enough to take back to the office. I wonder
> what people like that would do in an emergency situation that would see
> power outages and the card swiping system go down.
>

You pathetic old washerwoman!

Maybe they'd stay home and brew their own!

What kind of "man" are you anyway???

Dave Smith wrote:
> I am lucky to be in a position where I am not on a strict budget. I take
> out a certain amount of cash each week for spending money. That pays
> for coffees, picking up fresh fruit, small items, gas for the
> motorcycle (in season),magazines, an occasional lunch out. Anything else
> is paid for by debit.
>


And tho shared this with the world for what reason, washerwoman?