Wow, A Bank Keeps its Promise!

When was the last time your bank did good by you- admitted it made a mistake and fixed it? Mine did and my hat’s off to them.

Electronic Banking is a wonderful tool. It is an easy way to pay a bill without the hassle of sitting down writing a check, putting it in an envelop, writing the return address, licking a stamp and then going to a mailbox. Using a computer, one can simply designate when a bill is to be paid and the bank takes care of the rest. Of course, if the bank screws up paying the bill at the requested date, that can cause problems. And herein lies the story….
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Show Me The Money

It used to be illegal to show real money on television. Maybe it still is and they just overlook it. The people in Washington were afraid that counterfeiters would freeze frame pictures of the money and somehow figure out how to duplicate it using a rudimentary form of digital reproduction. Game shows handed out fake currency to winners and then the lucky contestants picked up the real cash afterward while signing a Federal Tax form. Contestants were warned by the production assistants before the show to act natural and excited about holding fake twenty dollar bills in their hands while on camera or go home with booby prizes or even nothing.

I don’t know if I would have been a willing enough contestant to act ecstatic over play money. You see, just like in the movie from a few years ago, the expression “Show Me The Money” has been my battle cry. It became ingrained after dealing early on in my self-employment career with stinkers who loved to kite checks. A few times I had to re-present a check to my bank in order to cash it while paying the NSF fee. Yeah, try to collect that back from the con artist, too. I’ve turned down projects where a prospect wanted me to do the work first and if they liked it, they would then pay me even more than I asked for. Yeah, sure.
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Debit Cards – Pay As You Go

The expression “pay as you go” can mean a lot of things. It can refer to getting laid to rest in a cemetery only after a surviving family member coughs up enough dough for the burial plot and funeral services. It can also allude to the former practice, at least where I live, of the local airport having pay toilets. They had to cut it out because people made a stink (sorry).

For me it means using a debit card more often than using a credit card. When I tell friends that I do so they usually roll their eyes and indicate that only poor people or those with bad credit use debit cards. I reply that it is just the opposite. I have the best of credit. Why? Because I only use a credit card for items that have big ticket prices or where I need an element of protection. By that I mean when I buy something that I am concerned it may not work properly or it may not get shipped so quickly, I use a credit card as leverage. How so? I can always tell the credit card company that I am challenging the sale. No merchant wants to get into such a hassle.
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