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Happy New Year
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Posted to rec.food.cooking
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Happy New Year
On Fri, 08 Jan 2016 07:56:11 -0800, sf > wrote:
>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. So quit saying we pay for the privilege ! |
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Posted to rec.food.cooking
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Happy New Year
"sf" > wrote in message news > 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. To use your favourite response .... I don't care! -- http://www.helpforheroes.org.uk/shop/ |
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Posted to rec.food.cooking
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Happy New Year
On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote:
> OK. So to summarise your posts above, you think that the DD card > holder is paying the bank for every DD transaction directly out of their > checking account. > > You're still wrong. Do you balance your checkbook daily? -- sf |
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Posted to rec.food.cooking
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Happy New Year
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Posted to rec.food.cooking
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Happy New Year
On 2016-01-08 9:34 AM, Janet wrote:
> 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". > > Focus on the part about the bank not doing it for free. The merchant pays. The merchant boosts the price of his products to account for the card charges he incurs. You do not pay an extra fee for using it, but you do pay enough extra to cover what the merchant pays. |
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Posted to rec.food.cooking
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Happy New Year
On Fri, 8 Jan 2016 16:53:40 -0000, "Ophelia" >
wrote: > > >"sf" > wrote in message >news >> 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. > >To use your favourite response .... I don't care! She has to be pretty thick not to understand the only money out of my account is the money I am paying for something, not a 'payment to the bank' - |
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Posted to rec.food.cooking
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Happy New Year
On Fri, 08 Jan 2016 08:58:31 -0800, sf > wrote:
>On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote: > >> OK. So to summarise your posts above, you think that the DD card >> holder is paying the bank for every DD transaction directly out of their >> checking account. >> >> You're still wrong. > >Do you balance your checkbook daily? Why would we? I can see online what has come out! |
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Posted to rec.food.cooking
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Happy New Year
On 8 Jan 2016 17:09:25 GMT, notbob > wrote:
>On 2016-01-08, > wrote: > >> .....can't believe what people spend on it. > >Believe it! > >I've spent tall bucks on espresso machines and grinders. I'm now back >to a Malitta drip cone and pre-roasted/ground coffee. I usta roast my >own beans, but that got too labor intensive while caring for my mom. >For what one spends on espresso equipment, one can buy quality coffee >for a long time. > >Chris Porter (comedian) does a funny bit on Starbucks and coffee. >"Pick a flavor and an Italian word and move to the left". "If I knew >what a macchiato was, I be making them at home and wouldn't be paying >$5, every single day, for one". > >nb > > lol - I am happy with my French Press coffee. |
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Posted to rec.food.cooking
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Happy New Year
On Fri, 8 Jan 2016 12:21:47 -0500, Dave Smith
> wrote: >On 2016-01-08 9:34 AM, Janet wrote: >> 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". >> >> > > >Focus on the part about the bank not doing it for free. The merchant >pays. The merchant boosts the price of his products to account for the >card charges he incurs. You do not pay an extra fee for using it, but >you do pay enough extra to cover what the merchant pays. But you will pay $5 for the item, cash or debit. |
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Posted to rec.food.cooking
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Happy New Year
On 1/8/2016 6:58 AM, Cindy Hamilton wrote:
> 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. We also don't have a will, everything is jointly owned or each other is the beneficiary. I'm not saying that's ideal but that's how it is. This flipped out my sil, so I explained why I wasn't worried, and she said What if you both die in a crash? I said You and my brothers get to fight it out. I know, not a nice way to leave things. I just finished going through the process of getting my mother's estate into a trust. It was a lot of work but eventually it will be time well spent. No hassle settlement later. nancy |
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Posted to rec.food.cooking
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Happy New Year
On 1/5/2016 5:15 PM, Sqwertz wrote:
> Cheaper and sturdier than any women's underwear that > Bryan wears. > > -sw You criminally STALK and ABUSE women, you sick little dwarfy man! Here's what you did when you went all over the Usenet impersonating the well-liked regular named "sf" and posting all her personal data on the net against her will, including her: * home address * age * cell phone number * husband's name etc. YOU did that, you evil *******! And then you had the hubris to actually GLOAT about in public saying: ---------------------------------------------------------------------------------- ost > Wed, 25 Nov 2015 21:18:00 -0600 MicroPlanet-Gravity/3.0.4 She should call the cops. I've already publicly admitted it is me so a conviction should be a piece of cake and then forging would stop. So what's stopping her? I think she suffers from Bovism - she just loves the attention and drama and screw the rest of the group. -sw ----------------------------------------------------------------------------------- And before that you literally stalked poor Omelet, a local Auustin favorite, right off the Usenet! In your worst moment ever you actually begged her to KILL you: ----------------------------------------------------------------------------------- ost > 3/18/2011 3:49 PM Microsoft Internet News 4.70.1162 readnews.com - News for Geeks and ISPs fa35d278.newsreader.readnews.com Sorry I don't fit either of your Ideal Psycho Pal Profiles. -sw --------------------------------------------------------------------------------------- I'd prefer you use a sniper rifle on me from a few hundred yards away. There you go - a reason for you to buy yet another gun and ammo. ---------------------------------------------------------------------------------------- Then after having your nose rubbed in your filthy criminal stalking you came back with, not an apology, nor the slightest remorse, just this: "The facebook group is much more pleasant." But we all know that's only because you cower over there in mortal fear of being booted by the FB admins. You're _so done_ here virus, I mean really ****ing done. I'm making you a project like no other, expect a lot more of your evil abuse and hatred to be aired for all to see here. And we both know there's a google archive full of your hatred of women just waiting to be hung out on the virtual clothesline to dry. Enjoy then, you rotten, worthless misogynistic *******! |
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Posted to rec.food.cooking
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Happy New Year
On 1/5/2016 10:53 AM, Sqwertz wrote:
> doesn't > work worth a shit. You criminally STALK and ABUSE women, you sick little dwarfy man! Here's what you did when you went all over the Usenet impersonating the well-liked regular named "sf" and posting all her personal data on the net against her will, including her: * home address * age * cell phone number * husband's name etc. YOU did that, you evil *******! And then you had the hubris to actually GLOAT about in public saying: ---------------------------------------------------------------------------------- ost > Wed, 25 Nov 2015 21:18:00 -0600 MicroPlanet-Gravity/3.0.4 She should call the cops. I've already publicly admitted it is me so a conviction should be a piece of cake and then forging would stop. So what's stopping her? I think she suffers from Bovism - she just loves the attention and drama and screw the rest of the group. -sw ----------------------------------------------------------------------------------- And before that you literally stalked poor Omelet, a local Auustin favorite, right off the Usenet! In your worst moment ever you actually begged her to KILL you: ----------------------------------------------------------------------------------- ost > 3/18/2011 3:49 PM Microsoft Internet News 4.70.1162 readnews.com - News for Geeks and ISPs fa35d278.newsreader.readnews.com Sorry I don't fit either of your Ideal Psycho Pal Profiles. -sw --------------------------------------------------------------------------------------- I'd prefer you use a sniper rifle on me from a few hundred yards away. There you go - a reason for you to buy yet another gun and ammo. ---------------------------------------------------------------------------------------- Then after having your nose rubbed in your filthy criminal stalking you came back with, not an apology, nor the slightest remorse, just this: "The facebook group is much more pleasant." But we all know that's only because you cower over there in mortal fear of being booted by the FB admins. You're _so done_ here virus, I mean really ****ing done. I'm making you a project like no other, expect a lot more of your evil abuse and hatred to be aired for all to see here. And we both know there's a google archive full of your hatred of women just waiting to be hung out on the virtual clothesline to dry. Enjoy then, you rotten, worthless misogynistic *******! |
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Posted to rec.food.cooking
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Happy New Year
On 1/5/2016 10:48 AM, Sqwertz wrote:
> I have never had to scan > them. > > -sw You criminally STALK and ABUSE women, you sick little dwarfy man! Here's what you did when you went all over the Usenet impersonating the well-liked regular named "sf" and posting all her personal data on the net against her will, including her: * home address * age * cell phone number * husband's name etc. YOU did that, you evil *******! And then you had the hubris to actually GLOAT about in public saying: ---------------------------------------------------------------------------------- ost > Wed, 25 Nov 2015 21:18:00 -0600 MicroPlanet-Gravity/3.0.4 She should call the cops. I've already publicly admitted it is me so a conviction should be a piece of cake and then forging would stop. So what's stopping her? I think she suffers from Bovism - she just loves the attention and drama and screw the rest of the group. -sw ----------------------------------------------------------------------------------- And before that you literally stalked poor Omelet, a local Auustin favorite, right off the Usenet! In your worst moment ever you actually begged her to KILL you: ----------------------------------------------------------------------------------- ost > 3/18/2011 3:49 PM Microsoft Internet News 4.70.1162 readnews.com - News for Geeks and ISPs fa35d278.newsreader.readnews.com Sorry I don't fit either of your Ideal Psycho Pal Profiles. -sw --------------------------------------------------------------------------------------- I'd prefer you use a sniper rifle on me from a few hundred yards away. There you go - a reason for you to buy yet another gun and ammo. ---------------------------------------------------------------------------------------- Then after having your nose rubbed in your filthy criminal stalking you came back with, not an apology, nor the slightest remorse, just this: "The facebook group is much more pleasant." But we all know that's only because you cower over there in mortal fear of being booted by the FB admins. You're _so done_ here virus, I mean really ****ing done. I'm making you a project like no other, expect a lot more of your evil abuse and hatred to be aired for all to see here. And we both know there's a google archive full of your hatred of women just waiting to be hung out on the virtual clothesline to dry. Enjoy then, you rotten, worthless misogynistic *******! |
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Posted to rec.food.cooking
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Happy New Year
On Friday, January 8, 2016 at 12:13:32 PM UTC-6, Nancy Young wrote:
.... > I just finished going through the process of getting my mother's > estate into a trust. It was a lot of work but eventually it will be > time well spent. No hassle settlement later. > > nancy Yep, my father did that years ago, to avoid probate court completely. Smart move, but you have to be aware of it and do it!! And my father did! Also, you have to make the trust include only people truly trustworthy!! John Kuthe... |
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Posted to rec.food.cooking
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Happy New Year
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Posted to rec.food.cooking
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Happy New Year
On Friday, January 8, 2016 at 12:13:32 PM UTC-6, Nancy Young wrote:
.... > I just finished going through the process of getting my mother's > estate into a trust. It was a lot of work but eventually it will be > time well spent. No hassle settlement later. > > nancy Yep, my father did that years ago, to avoid probate court completely. Smart move, but you have to be aware of it and do it!! And my father did! Also, you have to make the trust include only people truly trustworthy!! John Kuthe... |
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Posted to rec.food.cooking
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Happy New Year
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Posted to rec.food.cooking
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Happy New Year
On Fri, 8 Jan 2016 16:53:40 -0000, "Ophelia" >
wrote: > > > "sf" > wrote in message > news > > 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. > > To use your favourite response .... I don't care! Goody for you. -- sf |
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Posted to rec.food.cooking
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Happy New Year
On 1/8/2016 1:22 PM, John Kuthe wrote:
> On Friday, January 8, 2016 at 12:13:32 PM UTC-6, Nancy Young wrote: > ... >> I just finished going through the process of getting my mother's >> estate into a trust. It was a lot of work but eventually it will be >> time well spent. No hassle settlement later. > Yep, my father did that years ago, to avoid probate court completely. Smart move, > but you have to be aware of it and do it!! And my father did! Also, you have to > make the trust include only people truly trustworthy!! She's still the trustee of all her 'stuff' but I do have the keys to the kingdom, so to speak, as I have power of attorney. Something that would change pronto if I tried to pull some kind of stunt. nancy |
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Posted to rec.food.cooking
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Happy New Year
> wrote in message ... > On Fri, 8 Jan 2016 16:53:40 -0000, "Ophelia" > > wrote: > >> >> >>"sf" > wrote in message >>news >>> 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. >> >>To use your favourite response .... I don't care! > > She has to be pretty thick not to understand the only money out of my > account is the money I am paying for something, not a 'payment to the > bank' - Her loss. -- http://www.helpforheroes.org.uk/shop/ |
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Posted to rec.food.cooking
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Happy New Year
"sf" > wrote in message ... > On Fri, 8 Jan 2016 16:53:40 -0000, "Ophelia" > > wrote: > >> >> >> "sf" > wrote in message >> news >> > 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. >> >> To use your favourite response .... I don't care! > > Goody for you. I still don't care ... -- http://www.helpforheroes.org.uk/shop/ |
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Happy New Year
On Friday, January 8, 2016 at 1:13:32 PM UTC-5, Nancy Young wrote:
> On 1/8/2016 6:58 AM, Cindy Hamilton wrote: > > > 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. > > We also don't have a will, everything is jointly owned or each > other is the beneficiary. I'm not saying that's ideal but that's > how it is. > > This flipped out my sil, so I explained why I wasn't worried, and > she said What if you both die in a crash? I said You and my brothers > get to fight it out. I know, not a nice way to leave things. > > I just finished going through the process of getting my mother's > estate into a trust. It was a lot of work but eventually it will be > time well spent. No hassle settlement later. > > nancy I imagine whichever of us survives the other will make a will. In Michigan, if you die intestate, your stuff goes automatically to family members (there's a hierarchy), and our stuff is considered to be owned 50/50 by each of us. So if we died simultaneously without a will, my half would go to my mother, and his half would be allocated among his father and/or brothers. It'd be unpleasant for whoever ended up cleaning up the estate. What struck me as odd, upthread, was the Scottish law that says you can't cut your children out of your estate. My mother, for example, could will all of her stuff to Donald Trump and the law wouldn't care. (Not that she would, of course.) Actually, it might be nice to call Trump's "people" and say, "Come and get it. Sell her crummy little house and junk all of her clothes. At least I won't have to deal with it." Cindy Hamilton |
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Happy New Year
"Cindy Hamilton" > wrote in message ... > What struck me as odd, upthread, was the Scottish law that says > you can't cut your children out of your estate. My mother, > for example, could will all of her stuff to Donald Trump and > the law wouldn't care. (Not that she would, of course.) It may be odd but it is indeed the law here in Scotland. The children must have one third (between them) of moveable assets. There was talk of stopping this 'Bairn's Share' law but I haven't heard anything about it for a long time. This is only in Scotland but there was a recent case in England, where a mother had decreed that nothing was to be left for the daughter when she died and a judge overruled it!! Disgraceful!!! http://www.theguardian.com/lifeandst...aughter-mother > Actually, it might be nice to call Trump's "people" and say, "Come > and get it. Sell her crummy little house and junk all of her > clothes. At least I won't have to deal with it." > Leave it to a charity. I am sure they will sort all that. -- http://www.helpforheroes.org.uk/shop/ |
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Happy New Year
On 1/8/2016 3:24 PM, Cindy Hamilton wrote:
> On Friday, January 8, 2016 at 1:13:32 PM UTC-5, Nancy Young wrote: >> This flipped out my sil, so I explained why I wasn't worried, and >> she said What if you both die in a crash? I said You and my brothers >> get to fight it out. I know, not a nice way to leave things. >> >> I just finished going through the process of getting my mother's >> estate into a trust. It was a lot of work but eventually it will be >> time well spent. No hassle settlement later. > I imagine whichever of us survives the other will make a will. That's how I feel about it. > In Michigan, if you die intestate, your stuff goes automatically to > family members (there's a hierarchy), and our stuff is considered > to be owned 50/50 by each of us. So if we died simultaneously > without a will, my half would go to my mother, and his half would > be allocated among his father and/or brothers. It'd be unpleasant > for whoever ended up cleaning up the estate. I put a list in my fire safe where I keep my documents listing where our assets can be found. If it's organized it should be easier on whoever has to do it. > What struck me as odd, upthread, was the Scottish law that says > you can't cut your children out of your estate. My mother, > for example, could will all of her stuff to Donald Trump and > the law wouldn't care. (Not that she would, of course.) Yeah, I can only guess at the reasoning behind such a law but I'd rather decide who gets everything or nothing, depending on my personal circumstances. > Actually, it might be nice to call Trump's "people" and say, "Come > and get it. Sell her crummy little house and junk all of her > clothes. At least I won't have to deal with it." That would be good for a laugh. I think you can decline an inheritance but it's funny to picture that. nancy |
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Happy New Year
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Happy New Year
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Happy New Year
On Fri, 8 Jan 2016 23:50:32 -0000, Janet > wrote:
> In article >, > says... > > > > On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote: > > > > > OK. So to summarise your posts above, you think that the DD card > > > holder is paying the bank for every DD transaction directly out of their > > > checking account. > > > > > > You're still wrong. > > > > Do you balance your checkbook daily? > > No, why would I? > Okay, I see. You take your bank's word for your balance. -- sf |
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Happy New Year
On Fri, 8 Jan 2016 19:16:39 -0500, Dave Smith
> wrote: >On 2016-01-08 12:54 PM, wrote: > >>> Focus on the part about the bank not doing it for free. The merchant >>> pays. The merchant boosts the price of his products to account for the >>> card charges he incurs. You do not pay an extra fee for using it, but >>> you do pay enough extra to cover what the merchant pays. >> >> But you will pay $5 for the item, cash or debit. >> > >OK. You win. The banks do it for free. > It's not a case of 'winning' - it's a case of you pay $5 - conveniently with your debit card, or cash having gone to an ATM - whomever gets the best deal out of it, you should know it will never be the consumer! |
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Happy New Year
On 1/8/2016 12:55 AM, sf wrote:
> 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. > True, but that is a tiny part of the fraud that goes on. I think they will eventually go to a pin for additional protection with lost or stolen cards. Your swipe crd can be duplicated easily, chip cards not so much. Nothing is infallible. If a human brain can encode something, another human can decode it. |
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Happy New Year
Ed Pawlowski wrote:
> Nothing is infallible. If a human brain can encode something, another > human can decode it. I wonder how der fatherland will decode the Muzzie rape squads in their streets? |
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Happy New Year
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Happy New Year
On 1/7/2016 8:56 PM, Bruce wrote:
> >> 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. > Exactly. Some goods in tourist areas can be had for 50%. I've even had restaurants round down the check for cash. |
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Happy New Year
In article >,
says... > > On Fri, 8 Jan 2016 23:50:32 -0000, Janet > wrote: > > > In article >, > > says... > > > > > > On Fri, 8 Jan 2016 16:33:31 -0000, Janet > wrote: > > > > > > > OK. So to summarise your posts above, you think that the DD card > > > > holder is paying the bank for every DD transaction directly out of their > > > > checking account. > > > > > > > > You're still wrong. > > > > > > Do you balance your checkbook daily? > > > > No, why would I? > > > > Okay, I see. No, you're still clueless. I only use half a dozen cheques per year. >You take your bank's word for your balance. The current ("checking") account receives various in-payment credits at different times during each month; and debits leave by different methods; various regular automated debit payments handled by the bank; use of DD card by me to withdraw cash or pay for goods and services; and rarely, a cheque. So, no amount of daily "balancing my chequebook" would take account of all the other in and out payments every month. The bank provides monthly statements detailing every penny in and out and where it went or came from. Of course I check bank statements; that's how I know the bank has never made an error on any of my accounts. Janet UK |
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Happy New Year
On 1/8/2016 12:09 AM, Bruce wrote:
> > I wasn't criticising or putting down your wife. I was criticising > an old fashioned male attitude towards women. > Not sure where you get that from. Yes, I pamper my wife but I've done a lot for women to get ahead. I've hired women for jobs previously only held by men and paid them equally. I also encourage my daughter and granddaughters to take a stand where needed. We jointly feel that if you have children you should take full responsibility to raise them. That means one spouse stays home. yes, that may be very 1950s but it was our choice to put family ahead of additional income. IMO, old fashioned is still good. There may be some cases where two incomes are needed, but if mom is working so you can have a Volvo instead of a Chevy you are short changing your kids. |
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Happy New Year
On 1/8/2016 1:31 PM, graham wrote:
>>> >>> 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. >> > If you mean those commercially made cupcakes then I think they should be > renamed: "Sugar delivery modules." Most of the ones I've seen have a big gob of sugar on the top and sell for up to $3. Could be a decent snack if you cut the icing by 95% and sold it for 75 cents. My favorite pound cake has no icing and has a nice crust on top. Good buttery flavor. |
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Happy New Year
On 1/8/2016 7:21 AM, S Viemeister wrote:
> 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. > Many companies no longer offer the traditional pension and it has been replaced by the 401k plan. The employee has some control over how it is invested. Usually, both employee and employer contribute and if you change jobs you take it with you. |
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Happy New Year
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Happy New Year
On 1/8/2016 8:26 PM, cibola de oro wrote:
> Ed Pawlowski wrote: > >> Nothing is infallible. If a human brain can encode something, another >> human can decode it. > > I wonder how der fatherland will decode the Muzzie rape squads in their > streets? AK-47? |
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