Ophelia wrote:
>
>
> "sf" > wrote in message
> ...
>> On Tue, 5 Jan 2016 21:39:40 -0500, Ed Pawlowski > wrote:
>>
>>> It may come. Some store have been testing a system where you carry a
>>> scanner on the cart and scan as you go. At the register you just pay.
>>> I don't know how it has been working but it is not widespread yet.
>>
>> I thought I read about that happening back East years ago right here
>> on rfc... it didn't show up here, so it must have fizzled somewhere.
>>
>
> I did make a new thread for this but since it is still being discussed ..
>
> Self scanners are common here and here is one:
>
> http://www.tesco.com/scan-as-you-shop/
>
>
>
>
This is not healthy for local employment at all...

Also, not all that sanitary, even if they give out wipes.

Janet wrote:
> In article >,
> says...
>>
>> On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:
>>
>> snip
>>>
>>> But not evenly. I am a bank customer who pays no banking costs or
>>> charges of any kind for the services I use.
>>>
>>> Other customers do, the ones who pay interest on bank loans and over
>>> drafts, and run up huge CC debts at awful interest rates. They are
>>> subsidising me.
>>>
>>> Janet UK
>>
>> Generally that privilege is offered to customers who maintain a
>> certain balance with the bank. Your payment for services is
>> essentially lending the bank your money, interest free.
>
> Er, no. The bank pays interest to ME :-)
>
>
> Janet UK
>
>
>
Not at all in excess of what they make by having your money.

In article >,
says...
>
> On Wed, 6 Jan 2016 13:46:32 -0000, Janet > wrote:
>
> >In article >,
> says...
> >>
> >> On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:
> >>
> >> snip
> >> >
> >> > But not evenly. I am a bank customer who pays no banking costs or
> >> >charges of any kind for the services I use.
> >> >
> >> > Other customers do, the ones who pay interest on bank loans and over
> >> >drafts, and run up huge CC debts at awful interest rates. They are
> >> >subsidising me.
> >> >
> >> > Janet UK
> >>
> >> Generally that privilege is offered to customers who maintain a
> >> certain balance with the bank. Your payment for services is
> >> essentially lending the bank your money, interest free.
> >
> > Er, no. The bank pays interest to ME :-)
> >
> >
> > Janet UK
> >
> >
> sure, but not nearly the amount they are making on your money. No
> bank is giving anything away for free.
> Janet US

Just bank current account interest here, is more than twice what Dave
gets on his best savings account.

Janet UK

Gary wrote:
> Ophelia wrote:
>>
>> "Janet" > wrote in message
>> .. .
>>
>>>> All my money is happy money! I can't remember the last time I went out
>>>> without Himself and he carries money.
>>>
>>> OMG
>>
>> Perhaps your husband doesn't enjoy your company?
>>
>> We are *very* happy together)
>
> OK Ophy....I'm in 'teasing YOU' mode now.
>
> Remember Sonny and Cher? They made the hit song "Happy Together" and
> you see how that relationship turned out. lol..
>
No...that was The Turtles.

Hoo boy...

They did "I've Got You Babe".

On 1/6/2016 6:49 AM, Cindy Hamilton wrote:
> On Wednesday, January 6, 2016 at 3:58:14 AM UTC-5, sf wrote:
>> On Tue, 5 Jan 2016 21:59:56 -0500, Ed Pawlowski > wrote:
>>
>>> The RFID chips are being phased out for security reasons. The new chip
>>> cards have to be inserted if the equipment is available, swiped in the
>>> meantime.
>>
>> I still don't understand how the new chipped cards are any safer than
>> the old style swipe.
>
> The transaction is encrypted with a single-use key, and decrypted
> on the other end. The old-style magnetic strips could be copied
> easily, and there was a whole cottage industry in vandalizing
> ATMs and standalone credit-card readers (like gas station pumps)
> and installing duplicators. The hapless citizen swipes his card,
> the information is read from the magnetic stripe, and the felon
> has a copy of the credit card, to use as he pleases.
>
I remember years ago there was a restaurant in Germantown, TN that
nearly went out of business due to credit card theft. I'm hazy on the
details now but apparently some crooks got a long-term (9 years?)
employee to use a portable card reader to swipe/scan the cards customers
handed to her when they were paying for their meals. IIRC all she got
out of the deal were some stupid coupons and, ultimately, jail time. I
think she did give up the names of the other people involved. The
restaurant really took a hit, all because of a few stupid criminal
minded people.

> The new system is much more complex; it'll probably take some
> time before it's cracked and new fraud arises.
>
> Cindy Hamilton
>
There will *always* be someone finding ways to crack new technology.

Jill

Janet B wrote:
> On Wed, 6 Jan 2016 09:09:05 -0500, Dave Smith
> > wrote:
>
>> On 2016-01-05 10:57 PM, Ed Pawlowski wrote:
>>> On 1/5/2016 5:35 PM, Doris Night wrote:
>>
>>> That is not a problem according to a local store manager. He said it is
>>> difficult to get people to fill the jobs he has available.
>>>
>>> I don't like using self check but sometimes it is faster for a few items.
>>
>>
>> That becomes even more of a problem when they have few and fewer
>> cashiers because they are pushing people to self checkout.
>
> It wouldn't be efficient to have all customers self check. Albertsons
> dropped the practice all together because it cost more to run. I
> think the self serve is to keep everybody calm and occupied, sort of
> like how the air hostess passes out drinks and nibbles on an airplane
>
> Janet US
>


Nope.

It's cost cutting.

6 self scan terminals w/1 attendant is a cost savings, period.

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

On Tuesday, January 5, 2016 at 4:59:58 PM UTC-10, Ed Pawlowski wrote:
> On 1/5/2016 3:09 PM, Nancy Young wrote:
>
> >> I have one of those supposed RFID blocking wallets but I have to
> >> access cards in there and they work just fine without my having to
> >> take the card out. Just touch my wallet to the scanner and BEEP - I'm
> >> in.
> >
> > No kidding! Yikes. I wouldn't think you'd have to ask if
> > the blocking wallet feature actually works.
> >
> > I was just in Whole Foods and the credit card thing says you
> > can just tap, but the cashier said You have to swipe it. I
> > did want to try tapping.
> >
> > nancy
>
> The RFID chips are being phased out for security reasons. The new chip
> cards have to be inserted if the equipment is available, swiped in the
> meantime.

My guess is contactless payments on low priced items will be a growing trend. We'll use cell phones and NFC to pay for stuff like coffee and gum. Cards will be used for more expensive items like groceries. The young folks love the idea, the old folks don't much care for it. One day we won't even use cards.

dsi1 wrote:
> On Tuesday, January 5, 2016 at 4:59:58 PM UTC-10, Ed Pawlowski wrote:
>> On 1/5/2016 3:09 PM, Nancy Young wrote:
>>
>>>> I have one of those supposed RFID blocking wallets but I have to
>>>> access cards in there and they work just fine without my having to
>>>> take the card out. Just touch my wallet to the scanner and BEEP - I'm
>>>> in.
>>>
>>> No kidding! Yikes. I wouldn't think you'd have to ask if
>>> the blocking wallet feature actually works.
>>>
>>> I was just in Whole Foods and the credit card thing says you
>>> can just tap, but the cashier said You have to swipe it. I
>>> did want to try tapping.
>>>
>>> nancy
>>
>> The RFID chips are being phased out for security reasons. The new chip
>> cards have to be inserted if the equipment is available, swiped in the
>> meantime.
>
> My guess is contactless payments on low priced items will be a growing trend. We'll use cell phones and NFC to pay for stuff like coffee and gum. Cards will be used for more expensive items like groceries. The young folks love the idea, the old folks don't much care for it. One day we won't even use cards.
>

Just wave a chipped hand over something?

I don't doubt it.

Or maybe it'll something far less invasive like a retina scan.

On 7/1/2016 01:40 Janet B wrote:

> On Wed, 6 Jan 2016 13:46:32 -0000, Janet > wrote:
>
>>In article >,
says...
>>>
>>> On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:
>>>
>>> snip
>>> >
>>> > But not evenly. I am a bank customer who pays no banking costs or
>>> >charges of any kind for the services I use.
>>> >
>>> > Other customers do, the ones who pay interest on bank loans and over
>>> >drafts, and run up huge CC debts at awful interest rates. They are
>>> >subsidising me.
>>> >
>>> > Janet UK
>>>
>>> Generally that privilege is offered to customers who maintain a
>>> certain balance with the bank. Your payment for services is
>>> essentially lending the bank your money, interest free.
>>
>> Er, no. The bank pays interest to ME :-)
>>
>>
>> Janet UK
>>
>>
> sure, but not nearly the amount they are making on your money. No
> bank is giving anything away for free.
> Janet US

Hush, she was so happy.

--
Bruce

On 7/1/2016 01:45 Janet wrote:

> In article >,
> says...
>>
>> On 1/5/2016 1:37 PM, Janet wrote:
>>
>> > Used to, but no more. It's years since discount for cash was
>> > available in major appliance stores here. These days, canny customers
>> > find the best deal via online price comparison sites. I only go into
>> > major appliance shops to choose the model I'm going to buy online,
>> > cheaper.
>> >
>> > Janet UK
>>
>> Major shops don't offer discounts for cash, but when you deal with the
>> owner of local stores it may be possible.
>
> Not in this rural location. Local stores have a very limited customer
> base, stock a limited range of goods. They face high transport costs and
> are in competition with the bulk purchasing power of online suppliers.
> So their profit margin, and price, is already cut to the bone.

Or so they tell people like you

--
Bruce

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.

> 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!

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

On 1/6/2016 1:31 PM, wrote:
> 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.
>
I meant, she doesn't go anywhere without him. She'd have to, wouldn't she.

Jill

On 1/6/2016 3:58 AM, sf wrote:
> On Tue, 5 Jan 2016 21:59:56 -0500, Ed Pawlowski > wrote:
>
>> The RFID chips are being phased out for security reasons. The new chip
>> cards have to be inserted if the equipment is available, swiped in the
>> meantime.
>
> I still don't understand how the new chipped cards are any safer than
> the old style swipe.
>

They encode the transaction with a single use number and the card
information cannot be duplicated the way a swipe card can be. See below:

1. Why are EMV cards more secure than traditional cards?

It's that small, metallic square you'll see on new cards. That's a
computer chip, and it's what sets apart the new generation of cards.

The magnetic stripes on traditional credit and debit cards store contain
unchanging data. Whoever accesses that data gains the sensitive card and
cardholder information necessary to make purchases. That makes
traditional cards prime targets for counterfeiters, who convert stolen
card data to cash.


"If someone copies a mag stripe, they can easily replicate that data
over and over again because it doesn't change," says Dave Witts,
president of U.S. payment systems for Creditcall, a payment gateway and
EMV software developer.

Unlike magnetic-stripe cards, every time an EMV card is used for
payment, the card chip creates a unique transaction code that cannot be
used again.

If a hacker stole the chip information from one specific point of sale,
typical card duplication would never work "because the stolen
transaction number created in that instance wouldn't be usable again and
the card would just get denied," Witts says.

EMV technology will not prevent data breaches from occurring, but it
will make it much harder for criminals to successfully profit from what
they steal.



Read mo
http://www.creditcards.com/credit-ca...#ixzz3wV6U4Lry

Follow us: @CreditCardsCom on Twitter | CreditCards.com on Facebook
Compare credit cards here - CreditCards.com

Ed Pawlowski wrote:
> On 1/6/2016 3:58 AM, sf wrote:
>> On Tue, 5 Jan 2016 21:59:56 -0500, Ed Pawlowski > wrote:
>>
>>> The RFID chips are being phased out for security reasons. The new chip
>>> cards have to be inserted if the equipment is available, swiped in the
>>> meantime.
>>
>> I still don't understand how the new chipped cards are any safer than
>> the old style swipe.
>>
>
> They encode the transaction with a single use number and the card
> information cannot be duplicated the way a swipe card can be. See below:
>
> 1. Why are EMV cards more secure than traditional cards?
>
> It's that small, metallic square you'll see on new cards. That's a
> computer chip, and it's what sets apart the new generation of cards.
>
> The magnetic stripes on traditional credit and debit cards store contain
> unchanging data. Whoever accesses that data gains the sensitive card and
> cardholder information necessary to make purchases. That makes
> traditional cards prime targets for counterfeiters, who convert stolen
> card data to cash.
>
>
> "If someone copies a mag stripe, they can easily replicate that data
> over and over again because it doesn't change," says Dave Witts,
> president of U.S. payment systems for Creditcall, a payment gateway and
> EMV software developer.
>
> Unlike magnetic-stripe cards, every time an EMV card is used for
> payment, the card chip creates a unique transaction code that cannot be
> used again.
>
> If a hacker stole the chip information from one specific point of sale,
> typical card duplication would never work "because the stolen
> transaction number created in that instance wouldn't be usable again and
> the card would just get denied," Witts says.
>
> EMV technology will not prevent data breaches from occurring, but it
> will make it much harder for criminals to successfully profit from what
> they steal.
>
>
>
> Read mo
> http://www.creditcards.com/credit-ca...#ixzz3wV6U4Lry
>
> Follow us: @CreditCardsCom on Twitter | CreditCards.com on Facebook
> Compare credit cards here - CreditCards.com


It's a nice step up from rolling code garage door opener technology.

On 1/6/2016 3:29 PM, Dave Smith wrote:
> On 2016-01-06 11:17 AM, jmcquown wrote:
>
>> I remember years ago there was a restaurant in Germantown, TN that
>> nearly went out of business due to credit card theft. I'm hazy on the
>> details now but apparently some crooks got a long-term (9 years?)
>> employee to use a portable card reader to swipe/scan the cards customers
>> handed to her when they were paying for their meals. IIRC all she got
>> out of the deal were some stupid coupons and, ultimately, jail time. I
>> think she did give up the names of the other people involved. The
>> restaurant really took a hit, all because of a few stupid criminal
>> minded people.
>
> I posted recently about how I got double billed on my Visa at restaurant
> in this area. Given their initial response to Visa, that they were new
> and thought it had not gone through so they did it again excuse, and
> then their lack of follow up after Visa told them to issue a credit...
> which never happened.... I never went back. I warned other people about
> it. I have also been told by friends and relatives about places where
> they ran into problems after using their cards. I never patronized
> those places either. I figure that if they screwed my friends and family
> they would do the same to me.
>
> If I ran the world..... anyone who got caught in any part of a credit
> card scam would have to pay restitution, would not be allowed to own or
> use credit or debit cards and would not be allowed to conduct any
> transactions involving credit or debit cards... for a minimum of five
> years. Since these people would have been working in service or retail,
> they would be pretty well screwed for employment for the duration. Any
> business that was involved would be banned from using credit cards and
> debit forever.
>
It was not this restaurants' fault they had a gullible employee who
somehow thought she'd "benefit" by giving these so-called friends of
hers access to customer credit cards. She was obviously stupid. She
wound up in jail. So did the accomplices after she told the cops how to
find them.

It was not the fault of the restaurant. But it did take a while for
customers to go back after the articles hit the news. This was around
2006 or so. I don't remember the name of the restaurant. I have no
idea if they managed to stay still open. I just read they had problems
because people no longer trusted dining there.

Jill

On 1/6/2016 3:59 AM, sf wrote:
> On Tue, 5 Jan 2016 21:51:47 -0500, Ed Pawlowski > wrote:
>
>> Stores do that but the CC companies allow it. My bank was offering a
>> bonus if you made some amount of purchases less than $10 in a statement
>> cycle. They want to get you in the habit of using your card for small
>> purchases so you can enrich them. Watch the drive up window at your
>> local coffee shop and see how many pay with plastic for a couple of
>> bucks. Banks love it, a few pennies at a time.
>
> So what? Pay it off at the end of the month.
>

I use banks for major purchases like a mortgage or car loan. I pay them
for the service in the form of interest. I have no problem with that,
they perform a service and deserve fair payment.

I prefer to NOT give them 20 cents because I'm buying a coffee. If you
want to, that is your choice. It is not a matter of paying them at the
end of the month, that $2 coffee could be $1.75 if it was cash only.
Banks get the fee when you use the card even if you pay the bill in full
at the end of the month.

On 1/6/2016 10:26 AM, Ophelia wrote:
>
>
> "dsi1" > wrote in message
>
>> The Hawaiians have their version of this called "laulau" that uses pork
>> instead of the canned corn beef. We don't use the coconut milk in our
>> version. I have made pork with taro leaves. You can bet that I'll make
>> the
>> Hawaii version of this Samoan comfort food if I ever unbox my slow
>> cooker.
>> OTOH, my assumption is that pulasami is going to be a Hawaiian dish in a
>> few years. We appropriate the foods from all that cultures that live
>> here - it's the Hawaiian way.
>>
>> https://www.youtube.com/watch?v=hbjS2QARuuI
>
> I have never seen spinach as big as that tea leaf or that banana leaf! Taro
> leaf? nahh not a hope) Lua leaf? lol when she says these are things you
> probably won't be able to get she is right for here<g> Boy, oh boy, how
> much wrapping can some pieces of pork take. Do you eat the leaves too?
> Have you eaten/made Laulau steamed?

Fast food joints over here will typically sell laulau on Fridays. I have
eaten them but never have I made it like in the video. You eat the taro
leaves which tastes similar to spinach - well that's what they say
anyway. You don't eat the ti leaves that line the cooker. That stuff is
like Hawaiian parchment paper. Laulaus prepared in a slow cooker would
probably be great. The only thing I'd do different is add a small piece
of salt cod to the bundle. That's pretty traditional.

>
> Was that 'Nanny, Nanny Boo boo' an expression of ecstasy??? ;-)

It's Hawaiian for "have a happy new year!"

>
> How long have you been saying you are going to dig out your slow cooker??
> Hmmmm????? Will it actually happen this time??
>

Things are coming to a head these days - I'll probably be breaking that
out soon... real soon...

On 1/6/2016 8:26 AM, S Viemeister wrote:
> On 1/5/2016 9:39 PM, Ed Pawlowski wrote:
>
>> It may come. Some store have been testing a system where you carry a
>> scanner on the cart and scan as you go. At the register you just pay. I
>> don't know how it has been working but it is not widespread yet.
>>
> Stop&Shop have had that system for a few years now - very like the
> system used by Waitrose in the UK.

A couple of years ago I recall seeing that, but I still wonder how well
it is working. The two Stop & Shop in our area do not have it. If it
was a money saver I'd think they'd try to expand its use.

On 2016-01-06 4:36 PM, jmcquown wrote:
> On 1/6/2016 3:29 PM, Dave Smith wrote:

> It was not this restaurants' fault they had a gullible employee who
> somehow thought she'd "benefit" by giving these so-called friends of
> hers access to customer credit cards. She was obviously stupid. She
> wound up in jail. So did the accomplices after she told the cops how to
> find them.

I should have been more clear about the involvement of the business. I
was thinking more of cases where the owner was in on the scam.



> It was not the fault of the restaurant. But it did take a while for
> customers to go back after the articles hit the news. This was around
> 2006 or so. I don't remember the name of the restaurant. I have no
> idea if they managed to stay still open. I just read they had problems
> because people no longer trusted dining there.

Perhaps this is a case where the restaurant should have been more
vigilant and kept an eye on their staff and their equipment. My son
managed number of restaurants and and bars and theft and fraud by
serving staff were among his biggest problems.

On 7/01/2016 1:29 AM, Dave Smith wrote:
> On 2016-01-06 9:07 AM, Cindy Hamilton wrote:
>
>>> Er, no. The bank pays interest to ME :-)
>>
>> Sure, but it's probably a trifling amount compared to what they
>> earn by loaning your money out.
>>
>> Savings accounts in the U.S. are currently paying an average of
>> 0.48% and checking accounts (if they pay interest at all) are
>> paying 0.41%. Hope you're doing better over there.
>>
>
> Funny how banks are making huge profits these days while interest rates
> are pitifully low. It is annoying after years of putting away money form
> earnings and inheritances into savings accounts. When various accounts
> come due and I have to go and see the financial consultant I see that
> the money I will get from it barely pays for the gas to drive over
> there. I can't help but think back to 1977 when I bought our house and
> was paying 10 1/4 % on the mortgage, and then had to renew in 1982 at 18
> 1/2%. Now that I have money in the bank it I am lucky to get 1-1/2%.

You're not wrong there! I had much the same experience when I bought my
house in 1986. The interest rate was moderately affordable. Then I went
on and bought an investment property and the interest rates went up
around 18%. It made life very interesting indeed for quite a few years.
Luckily both my wife and I were working at the time else it could have
had a very different outcome. We're getting somewhere between 2% and 3%
from the bank at the moment, depending on the type of account the money
is in. We will be divesting ourselves of that investment property
shortly and will have to invest that money somewhere. Not sure where to
do that right now. I was thinking shares but they seem to be tanking
here just at the moment.

--

Xeno

On 2016-01-06 4:46 PM, Ed Pawlowski wrote:

> I prefer to NOT give them 20 cents because I'm buying a coffee. If you
> want to, that is your choice. It is not a matter of paying them at the
> end of the month, that $2 coffee could be $1.75 if it was cash only.
> Banks get the fee when you use the card even if you pay the bill in full
> at the end of the month.


Yep. If the cost of using the debit card service is 20 cents then they
will boost the price of a cup of coffee so that they get the same money
when people use the card, and they don't mind pocketing the difference
if it is a cash deal. They will blame the price increase on the
government raising the minimum wage or the price of coffee, even though
the price of coffee beans recently dropped close to 30%.

On 1/6/2016 8:46 AM, Janet wrote:
> In article >,
> says...
>>
>> On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:
>>
>> snip
>>>
>>> But not evenly. I am a bank customer who pays no banking costs or
>>> charges of any kind for the services I use.
>>>
>>> Other customers do, the ones who pay interest on bank loans and over
>>> drafts, and run up huge CC debts at awful interest rates. They are
>>> subsidising me.
>>>
>>> Janet UK
>>
>> Generally that privilege is offered to customers who maintain a
>> certain balance with the bank. Your payment for services is
>> essentially lending the bank your money, interest free.
>
> Er, no. The bank pays interest to ME :-)
>
>
> Janet UK
>
>
>
Sure they do, but after they take a cut of it. They give you interest
to entice you to let them use your money. Simple how it works. You
deposit $100. They take your money and lend it to someone else and take
back in $105. The give you one and keep four. If they give your money
to a credit card holder, the take in maybe $120, give you one and keep
$19 that they made from your money.

Buy lunch and use your debit or credit card and you give them another
few shillings.

On 1/6/2016 10:43 AM, el mismo de siempre wrote:
> Ophelia wrote:
>>
>>
>> "dsi1" > wrote in message
>>
>>> The Hawaiians have their version of this called "laulau" that uses pork
>>> instead of the canned corn beef. We don't use the coconut milk in our
>>> version. I have made pork with taro leaves. You can bet that I'll make
>>> the
>>> Hawaii version of this Samoan comfort food if I ever unbox my slow
>>> cooker.
>>> OTOH, my assumption is that pulasami is going to be a Hawaiian dish in a
>>> few years. We appropriate the foods from all that cultures that live
>>> here - it's the Hawaiian way.
>>>
>>> https://www.youtube.com/watch?v=hbjS2QARuuI
>>
>> I have never seen spinach as big as that tea leaf or that banana leaf!
>> Taro
>> leaf? nahh not a hope) Lua leaf? lol when she says these are
>> things you
>> probably won't be able to get she is right for here<g> Boy, oh boy, how
>> much wrapping can some pieces of pork take. Do you eat the leaves too?
>> Have you eaten/made Laulau steamed?
>>
>> Was that 'Nanny, Nanny Boo boo' an expression of ecstasy??? ;-)
>>
>> How long have you been saying you are going to dig out your slow cooker??
>> Hmmmm????? Will it actually happen this time??
>>
>>
>>
> If he doesn't I'm going to send him mine!

Highly inadvisable! My brilliant plan was the re-gift that thing this
holiday season but that never came to pass. Looks like I'm stuck with it...

dsi1 wrote:
> On 1/6/2016 10:43 AM, el mismo de siempre wrote:
>> Ophelia wrote:
>>>
>>>
>>> "dsi1" > wrote in message
>>>
>>>> The Hawaiians have their version of this called "laulau" that uses pork
>>>> instead of the canned corn beef. We don't use the coconut milk in our
>>>> version. I have made pork with taro leaves. You can bet that I'll make
>>>> the
>>>> Hawaii version of this Samoan comfort food if I ever unbox my slow
>>>> cooker.
>>>> OTOH, my assumption is that pulasami is going to be a Hawaiian dish
>>>> in a
>>>> few years. We appropriate the foods from all that cultures that live
>>>> here - it's the Hawaiian way.
>>>>
>>>> https://www.youtube.com/watch?v=hbjS2QARuuI
>>>
>>> I have never seen spinach as big as that tea leaf or that banana leaf!
>>> Taro
>>> leaf? nahh not a hope) Lua leaf? lol when she says these are
>>> things you
>>> probably won't be able to get she is right for here<g> Boy, oh boy, how
>>> much wrapping can some pieces of pork take. Do you eat the leaves too?
>>> Have you eaten/made Laulau steamed?
>>>
>>> Was that 'Nanny, Nanny Boo boo' an expression of ecstasy??? ;-)
>>>
>>> How long have you been saying you are going to dig out your slow
>>> cooker??
>>> Hmmmm????? Will it actually happen this time??
>>>
>>>
>>>
>> If he doesn't I'm going to send him mine!
>
> Highly inadvisable! My brilliant plan was the re-gift that thing this
> holiday season but that never came to pass. Looks like I'm stuck with it...

Could you use a slightly used tortilla keeper then?

On 1/6/2016 9:38 AM, Ophelia wrote:
>

>
> We are retired now and enjoy each others' company. In the past his work
> often took him away from home and eventually I retired a bit early to
> travel with him. Now we are both retired we appreciate the time we
> have together and we make the most of it Oh and just so you know, our
> money (pensions, savings et al) we have combined. We have no 'his and
> hers' money! We have 'our' money!!!

Good for you. My wife has not worked for years, but it has always been
"our" money. She now has Social Security income but does not bother
with it as she prefers not to have to worry about it. She has a little
cash and her own credit card. When we go out, she pays for nothing. She
is happy and wants for nothing.

Ophelia wrote:
>Brooklyn1 wrote:
>>Ophelia wrote:
>>>Brooklyn1 wrote:
>>>>Ophelia wrote:
>>>>>Gary wrote:
>>>>>> Ophelia wrote:
>>>>>>>
>>>>>>> A few weeks ago when my husband was buying some things, I was
>>>>>>> looking
>>>>>>> around and found the perfect birthday card for a friend. I took it
>>>>>>> to the
>>>>>>> other counter and, having no cash on me, offered my debit card. He
>>>>>>> to me
>>>>>>> that on sales below £5 he had to charge me an extra 50p!! I went to
>>>>>>> find
>>>>>>> my husband and got cash from him! I rarely do carry cash and usually
>>>>>>> pay
>>>>>>> with my card! I am certainly not paying that!
>>>>>>
>>>>>> Don't blame you. I have a local store here that I frequent. They have
>>>>>> a similar policy. Any purchase under $5.00 is cash only, no cards.
>>>>>
>>>>>I suppose I could at least have paid with my card, but I won't pay that
>>>>>excess!
>>>>
>>>> So, from now on carry some money, tuck it in your bra.
>>>
>>>Not my pockets then?
>>
>> Don't you want your money to be happy happy? This is the safest
>> way for ladies to carry cash, jewelry, other valuables... there's not
>> much about ladies intimates I don't know, especially anything
>> regarding their bosoms.
>> http://www.amazon.com/s/?ie=UTF8&key...sl_mxvvbv8z6_b
>
>All my money is happy money! I can't remember the last time I went out
>without Himself and he carries money. It's no fun going out without him
>))

You sure make it sound like Himself's only value is to be your sugar
daddy... I think that's sad. So what you're saying is you're a user
and Himself is a total loser... now nice. Please attempt to redeem
yourself. And yoose don't even have any children together, other than
a marga dog. You must have the finast pussy on this planet (which I
don't believe) or Himself is an ignorant brain damaged Schmuck (which
I do believe).

On 1/6/2016 3:20 PM, wrote:
> On Wed, 6 Jan 2016 14:07:22 -0500, jmcquown >
> wrote:
>
>> On 1/6/2016 1:31 PM, wrote:
>>> 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.
>>>
>> I meant, she doesn't go anywhere without him. She'd have to, wouldn't she.
>>
>> Jill
>
> It didn't cross my mind you could mean/say that!
>
Of course it didn't cross your mind, but that's what I meant. She can't
remember the last time she went out without Himself. I realize you lost
your husband. You don't have any problems going out and doing things by
yourself, do you? No, you don't. She makes it sound like she's unable
to cope without 'Himself.'

Jill

On 1/6/2016 11:13 AM, Janet wrote:

>>>>
>>>> Generally that privilege is offered to customers who maintain a
>>>> certain balance with the bank. Your payment for services is
>>>> essentially lending the bank your money, interest free.
>>>
>>> Er, no. The bank pays interest to ME :-)
>>>
>>>
>>> Janet UK
>>>
>>>
>> sure, but not nearly the amount they are making on your money. No
>> bank is giving anything away for free.
>> Janet US
>
> Just bank current account interest here, is more than twice what Dave
> gets on his best savings account.
>
> Janet UK


That can be good or bad. If you have savings accounts and use the
interest as income, you are not doing well here. OTOH, if you are
buying a house or car, interest rates in the US are very low. Mortgages
for 20 years are running 3% to 4%, car loans 1% to 2%.

On 1/6/2016 11:22 AM, 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

For many couples (including myself) that can be a problem. My wife is
capable but chooses not to worry about money as she has her health to
take care of. Transition could be a PITA.

On Wed, 6 Jan 2016 03:49:23 -0800 (PST), Cindy Hamilton
> wrote:

> On Wednesday, January 6, 2016 at 3:58:14 AM UTC-5, sf wrote:
> > On Tue, 5 Jan 2016 21:59:56 -0500, Ed Pawlowski > wrote:
> >
> > > The RFID chips are being phased out for security reasons. The new chip
> > > cards have to be inserted if the equipment is available, swiped in the
> > > meantime.
> >
> > I still don't understand how the new chipped cards are any safer than
> > the old style swipe.
>
> The transaction is encrypted with a single-use key, and decrypted
> on the other end. The old-style magnetic strips could be copied
> easily, and there was a whole cottage industry in vandalizing
> ATMs and standalone credit-card readers (like gas station pumps)
> and installing duplicators. The hapless citizen swipes his card,
> the information is read from the magnetic stripe, and the felon
> has a copy of the credit card, to use as he pleases.
>
> The new system is much more complex; it'll probably take some
> time before it's cracked and new fraud arises.
>

The part I don't get is if it's physically stolen, it can be used just
as easily as the swipe card until it's reported - which is when both
types are cut off.

--

sf

On Wed, 6 Jan 2016 16:46:15 -0500, Ed Pawlowski > wrote:

> On 1/6/2016 3:59 AM, sf wrote:
> > On Tue, 5 Jan 2016 21:51:47 -0500, Ed Pawlowski > wrote:
> >
> >> Stores do that but the CC companies allow it. My bank was offering a
> >> bonus if you made some amount of purchases less than $10 in a statement
> >> cycle. They want to get you in the habit of using your card for small
> >> purchases so you can enrich them. Watch the drive up window at your
> >> local coffee shop and see how many pay with plastic for a couple of
> >> bucks. Banks love it, a few pennies at a time.
> >
> > So what? Pay it off at the end of the month.
> >
>
> I use banks for major purchases like a mortgage or car loan. I pay them
> for the service in the form of interest. I have no problem with that,
> they perform a service and deserve fair payment.
>
> I prefer to NOT give them 20 cents because I'm buying a coffee. If you
> want to, that is your choice. It is not a matter of paying them at the
> end of the month, that $2 coffee could be $1.75 if it was cash only.
> Banks get the fee when you use the card even if you pay the bill in full
> at the end of the month.

You're not going to get a discount for paying cash. The only thing
you can do is adjust your halo and pat yourself on the back that your
small businessman local merchant won't be paying the bank for your
minimal transaction. In the mean time, I have 30 days of free credit.

--

sf

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.

--

sf

On Wed, 6 Jan 2016 20:32:11 -0000, "Ophelia" >
wrote:

>
>
> wrote in message
.. .
>> 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' -
>
>Of course! Or partner and children?

I suppose partner would open the will to contest by blood relatives
and while child might work, children might produce difficulties.

According to lawyers, all to wife is the strongest will that can be
made and really cannot be fought unless you want to pay lawyers and
lose

On 06/01/2016 4:06 PM, 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.
>
Neither do I!
A few years ago I used it in a reputable store only to receive a frantic
phone call from the bank to check my account as numerous debit readers
had been swapped by criminals.
Sure enough, $500 had been taken from my a/c at a machine 2000km away,
near where Dave Smith lives:-)
They refunded the money but it taught me a lesson.
Graham

On Wed, 06 Jan 2016 17:39:58 -0500, Brooklyn1
> wrote:

>Ophelia wrote:
>>Brooklyn1 wrote:
>>>Ophelia wrote:
>>>>Brooklyn1 wrote:
>>>>>Ophelia wrote:
>>>>>>Gary wrote:
>>>>>>> Ophelia wrote:
>>>>>>>>
>>>>>>>> A few weeks ago when my husband was buying some things, I was
>>>>>>>> looking
>>>>>>>> around and found the perfect birthday card for a friend. I took it
>>>>>>>> to the
>>>>>>>> other counter and, having no cash on me, offered my debit card. He
>>>>>>>> to me
>>>>>>>> that on sales below £5 he had to charge me an extra 50p!! I went to
>>>>>>>> find
>>>>>>>> my husband and got cash from him! I rarely do carry cash and usually
>>>>>>>> pay
>>>>>>>> with my card! I am certainly not paying that!
>>>>>>>
>>>>>>> Don't blame you. I have a local store here that I frequent. They have
>>>>>>> a similar policy. Any purchase under $5.00 is cash only, no cards.
>>>>>>
>>>>>>I suppose I could at least have paid with my card, but I won't pay that
>>>>>>excess!
>>>>>
>>>>> So, from now on carry some money, tuck it in your bra.
>>>>
>>>>Not my pockets then?
>>>
>>> Don't you want your money to be happy happy? This is the safest
>>> way for ladies to carry cash, jewelry, other valuables... there's not
>>> much about ladies intimates I don't know, especially anything
>>> regarding their bosoms.
>>> http://www.amazon.com/s/?ie=UTF8&key...sl_mxvvbv8z6_b
>>
>>All my money is happy money! I can't remember the last time I went out
>>without Himself and he carries money. It's no fun going out without him
>>))
>
>You sure make it sound like Himself's only value is to be your sugar
>daddy... I think that's sad. So what you're saying is you're a user
>and Himself is a total loser... now nice. Please attempt to redeem
>yourself. And yoose don't even have any children together, other than
>a marga dog. You must have the finast pussy on this planet (which I
>don't believe) or Himself is an ignorant brain damaged Schmuck (which
>I do believe).

God, I can't imagine how your wife feels married to a potty mouth
like you!

On 06/01/2016 4:20 PM, wrote:
> On Wed, 06 Jan 2016 17:39:58 -0500, Brooklyn1
> > wrote:
>
>> Ophelia wrote:
>>> Brooklyn1 wrote:
>>>> Ophelia wrote:
>>>>> Brooklyn1 wrote:
>>>>>> Ophelia wrote:
>>>>>>> Gary wrote:
>>>>>>>> Ophelia wrote:
>>>>>>>>>
>>>>>>>>> A few weeks ago when my husband was buying some things, I was
>>>>>>>>> looking
>>>>>>>>> around and found the perfect birthday card for a friend. I took it
>>>>>>>>> to the
>>>>>>>>> other counter and, having no cash on me, offered my debit card. He
>>>>>>>>> to me
>>>>>>>>> that on sales below £5 he had to charge me an extra 50p!! I went to
>>>>>>>>> find
>>>>>>>>> my husband and got cash from him! I rarely do carry cash and usually
>>>>>>>>> pay
>>>>>>>>> with my card! I am certainly not paying that!
>>>>>>>>
>>>>>>>> Don't blame you. I have a local store here that I frequent. They have
>>>>>>>> a similar policy. Any purchase under $5.00 is cash only, no cards.
>>>>>>>
>>>>>>> I suppose I could at least have paid with my card, but I won't pay that
>>>>>>> excess!
>>>>>>
>>>>>> So, from now on carry some money, tuck it in your bra.
>>>>>
>>>>> Not my pockets then?
>>>>
>>>> Don't you want your money to be happy happy? This is the safest
>>>> way for ladies to carry cash, jewelry, other valuables... there's not
>>>> much about ladies intimates I don't know, especially anything
>>>> regarding their bosoms.
>>>> http://www.amazon.com/s/?ie=UTF8&key...sl_mxvvbv8z6_b
>>>
>>> All my money is happy money! I can't remember the last time I went out
>>> without Himself and he carries money. It's no fun going out without him
>>> ))
>>
>> You sure make it sound like Himself's only value is to be your sugar
>> daddy... I think that's sad. So what you're saying is you're a user
>> and Himself is a total loser... now nice. Please attempt to redeem
>> yourself. And yoose don't even have any children together, other than
>> a marga dog. You must have the finast pussy on this planet (which I
>> don't believe) or Himself is an ignorant brain damaged Schmuck (which
>> I do believe).
>
> God, I can't imagine how your wife feels married to a potty mouth
> like you!
>
Just plonk the old misanthrope!

jmcquown wrote:
> On 1/6/2016 3:20 PM, wrote:
>> On Wed, 6 Jan 2016 14:07:22 -0500, jmcquown >
>> wrote:
>>
>>> On 1/6/2016 1:31 PM, wrote:
>>>> 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.
>>>>
>>> I meant, she doesn't go anywhere without him. She'd have to,
>>> wouldn't she.
>>>
>>> Jill
>>
>> It didn't cross my mind you could mean/say that!
>>
> Of course it didn't cross your mind, but that's what I meant. She can't
> remember the last time she went out without Himself. I realize you lost
> your husband. You don't have any problems going out and doing things by
> yourself, do you? No, you don't. She makes it sound like she's unable
> to cope without 'Himself.'
>
> Jill


Jealous much?

On 7/1/2016 09:20 Ed Pawlowski wrote:

> On 1/6/2016 9:38 AM, Ophelia wrote:
>>
>
>>
>> We are retired now and enjoy each others' company. In the past his work
>> often took him away from home and eventually I retired a bit early to
>> travel with him. Now we are both retired we appreciate the time we
>> have together and we make the most of it Oh and just so you know, our
>> money (pensions, savings et al) we have combined. We have no 'his and
>> hers' money! We have 'our' money!!!
>
> Good for you. My wife has not worked for years, but it has always been
> "our" money. She now has Social Security income but does not bother
> with it as she prefers not to have to worry about it. She has a little
> cash and her own credit card. When we go out, she pays for nothing. She
> is happy and wants for nothing.

The perfect pet.

--
Bruce