[lace-chat] Re: lace-chat-digest V2005 #49
Joyce wrote "> Grammar warning: I'm using two different (but related) > words spelled "check". One refers to the slip of paper on which a waiter > records > the food you have eaten, the other "check" is a slip of paper ordering your > bank to pay money to a third party. Unfortunately, I don't know any > alternate terms for either word." > This is so much easier in England - we ask the waiter for "the bill" at the end of a meal, or have our food and drinks put on a "tab", and then we pay the total by "cheque". No confusion at all. Jacquie To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
Re: [lace-chat] Lacemakers Circle AGM
Nearer the time to the AGM I'll post something about when and where we can all have a catch up at the AGM - once I know more about the venue etc Regards Liz in London I'm back blogging my latest lace piece - have a look by clicking on the link or going to http://journals.aol.com/thelacebee/thelacebee To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] Credit cards/interest
I have both a credit card and a debit card. Debit card for day to day purchases in place of a cheque or cash, credit card for purchases where I need protection. If I buy by mail order, or items over £100 or book a holiday, I use my credit card because if the goods don't arrive, if there's a problem with the item over £100, if the holiday company goes bust, I get my money back on a credit card, but not on a debit card. There is another sort of card like American Express, which is a charge card where the whole balance has to be paid off at the end of the month (at least that was always the case). My credit card has no annual fee (they did try it for a while, but people left in droves). Some businesses have a statement on their receipts which say that there is a handling charge of x% for payment with a debit or credit card, but that every customer pays the same regardless of the method they use ie they absorb the handling charge just to get your custom (or rather they spread it out over all customers). Rarely can you get a discount for cash - most of the commission made by a sales person is on the credit agreement or extended warranty if they can persuade you to go that route, so they'd rather you used their finance company than your credit card. We were quite pressured to have finance on our new car instead of paying cash, with statements like "the interest you pay on the loan will be less than the interest you lose by drawing the money out of your savings account." The salesman lost the commission he would have got because we paid cash. I diagree with Joy - a credit card is a way to borrow moneyif you want. You can buy something you can't afford and spread the payments over several months. And you are charged interest. I quote from the back of my last credit card statement: "Monthly rate: If you are charged interest, your monthly purchase, cash and promotional rates are displayed after any tramsactions in the 'Detailed information' section of your statement. Interest: Interest will be charged from the date of the transaction if you do not pay the full balance by the payment due date. Interest is charged on a daily basis until the full balance is paid. If you don't pay off the full statement balance by the payment due date, you'll pay less interest the earlier you make a payment. Estimated interest: This is an estimate of next month's interest, based on the minimum payment reaching us on the payment due date. It is for guidance only and could vary, depending on a number of factors including when your payment reaches us, the amount that you repay, if you use your card before your next statement date and if there is a change to your interest rate (please refer to your terms and conditions for details of these changes.)" Barclaycard obviously thinks they charge interest. To distinguish the different checks, English English spells the piece of paper you write on to make a payment and that piece of paper filled in and signed authorising payment a 'cheque'. 'Check' is used for all other purposes like verifying something, a squared pattern, to stop, check in at a hotel or airport, check up, check off (to put a tick against something). Jean in Poole To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
Re: [lace-chat] Re: credit cards and banks
On Fri, 25 Mar 2005 21:14:19 -0500, Tamara wrote: >On Mar 25, 2005, at 15:24, Steph Peters wrote: > >> However I don't borrow from them, paying the entire balance every >> month. > >Me too, except when I forget... :( Got my March (payment due April 12) >statement today, with $39 f(lat fee) late payment, and $5.70 in >interest (funny how, when the bank borrows from me, I get 0.25% rate, >but, if I borrow from the bank, it's over 15% ). What the heck... >And I checked, and by golly, I *did not* pay off the February debt; the >statement got buried under a mountain of other paper... That was a >quick $45 loss > >But that's exactly the reason I do not have more than one card; it I >have trouble keeping track of *it*, just imagine where I'd be with more >than one... :) I do have two, actually, but I've put one of them away >(too much trouble to cancel it, unless/until they start charging me for >it) so as not to charge anything to it inadvertently. Ah, this is where phone or internet banking comes in handy. A bill arrives, I immediately phone my bank and set up a payment to be made to reach the credit card company on the right day. All done and dusted so there's nothing to forget, but I don't pay early either. -- Psychoanalysis makes quite simple people feel they're complex. - S. N. Behrman Steph Peters, Manchester, England [EMAIL PROTECTED] Scanned by WinProxy http://www.Ositis.com/ To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
Re: [lace-chat] Credit cards/interest
This is a good solution -wish we did some of this in the USA. Lorri To distinguish the different checks, English English spells the piece of paper you write on to make a payment and that piece of paper filled in and signed authorising payment a 'cheque'. 'Check' is used for all other purposes like verifying something, a squared pattern, to stop, check in at a hotel or airport, check up, check off (to put a tick against something). Jean in Poole To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] secret pal thanks
Dear Secret Pal, I have just returned from vacation to find your parcel waiting for me - it was the first thing I opened, after all who needs bills!. The surprises were really nice - did you make the edging on the hanky? Two more bobbins too. I'm off to raid my bead tin to make some pretty spangles for them. The address book and pen are really usefull and the soap smells delicious. I spider on its web is great - I've stuck it to the corner of my computer monitor for the present. The bookmark with the handsome tail is already installed in the novel I am currently reading. Thank you once again for your thoughtfulness. Best wishes Andrea _ It's fast, it's easy and it's free. Get MSN Messenger today! http://www.msn.co.uk/messenger To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
Re: [lace-chat] Re: credit cards and banks
At 01:29 AM 3/26/05 -0500, Tamara P Duvall wrote: >On Mar 26, 2005, at 0:29, Joy Beeson wrote: >Sorry, but that's no longer true, vide my earlier posting. If you're a >"sponger" (as I try to be), you might not be aware of it - likely, it >came in among the sea of other "agreements". You don't consider 15.4% a penalty? >> the only campaign I see people falling for is "you can borrow money >> with a credit card". > >And you *can*... But only when it's a dire emergency *and* you know how you are going to pay it back. -- Joy Beeson http://home.earthlink.net/~joybeeson/ http://home.earthlink.net/~dbeeson594/ROUGHSEW/ROUGH.HTM http://home.earthlink.net/~beeson_n3f/ west of Fort Wayne, Indiana, U.S.A. To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] Re: "cheques" and "checks"
On Mar 26, 2005, at 4:03, [EMAIL PROTECTED] (Jacquie) wrote: This is so much easier in England - we ask the waiter for "the bill" at the end of a meal, And... Does a policeman show up? :^) -- Tamara P Duvallhttp://t-n-lace.net/ Lexington, Virginia, USA (Formerly of Warsaw, Poland) To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] Re: credit cards and banks
On Mar 26, 2005, at 16:27, Joy Beeson wrote: You don't consider 15.4% a penalty? Doesn't matter what *I* think; it's what they think that counts :) According to their language, the flat fee of $39 is the penalty for late payment; finance charge (even at 15.4% is simply their due - and it's the interest on any outstanding portion of my debt to them. Your original message said: Credit cards don't charge interest because you aren't borrowing money! They assess penalties for late payment. Which is *not so*. They do both. Late payment invokes a charge of both the flat fee penalty and interest on the amount. A timely full payment doesn't get either. A partial payment (the "minimum" you're scheduled to pay this month), however timely, lets you off the penalty hook, but only partially off the interest hook. Of course, the whole thing rests on the perception of "timely" :) The concept of "timely and *in full*" lies buried very deeply in the small print; what's encouraged is "timely minimum payment"... Oh, and BTW, I was overly enthusiastic in my last night's posting, when I said I "borrowed" at 15.4% rate, and "lent" (via my checking/savings account) at 0.25%... The first number was correct but the second was not. Got my bank statement today and, it appears, I've agreed to lend them money at 0.10% over the past month... :) It's a good thing that I don't keep more than what I think I'll use during the month in that account, but I'm beginning to think that an investment in a waterproof mattress with a pocket might not be a better one (and more environmentally friendly than all those statements and checks, too ) -- Tamara P Duvallhttp://t-n-lace.net/ Lexington, Virginia, USA (Formerly of Warsaw, Poland) To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] Re: Credit Cards.
On Mar 26, 2005, at 1:28, Elizabeth Ligeti wrote: I have a Debit Card with my bank. It works exactly like a credit card - but runs off a savings account, so it is more like writing a cheque [...] The best part of having a debit card is that the bank pays me interest, instead of me paying them fees etc! There is no annual fee for the card, I just can't spend more than is in the bank account. I expect that varies not only from country to country but from bank to bank... I, too have a Debit Card on my check/savings account (no fee, they pay me interest instead, for my keeping a certain minimum there *always*). But, the only way I can use it without incurring a service charge is to get cash with it, *from one of the branch banks*. My bank and another one have merged recently, so their combined spread is now a bit bigger than it used to be, but it's still negligible (mostly South-East of US), but... If I take cash out from an ATM "sponsored" by another bank, it's a $2.00 charge (used to be $1.50, but I agreed to the raise some 18 months ago ). Free-standing ATMs placed in grocery stores etc, never tell you which bank has put them there, but it always seems to be "another bank" - add $2.00 to the amount you're taking out. Paying (grocery store, PO, restaurant, whatever) with the card seems to invoke the same rule; it's always "another bank", and a transaction fee of $2.00. Adding two-by-two may have worked well for Noah, but it doesn't for me :) So, I use the Debit Card only if I want to draw cash when I'm away (Europe, another city in the US), and I make sure to draw a biggish amount, so that I don't have to do it more than once every few days; that way, the $2 fee "spreads" some... But my Credit Card doesn't care a bit where I pay with it; Lexington, San Francisco or Warsaw, there's no per-transaction charge. The charges on purchases come in only if I'm late paying and/or if I don't pay my bill in full. OTOH, if I were to draw cash with it from an ATM (which I could), even if I drew it at the issuing bank, there's not only a service fee, but the finance charge is activated immediately. And may the lord forbid I should use one of those checks they keep sending me (destroying the trees rather than lowering the penalty fees ) - the service fee there is over $5 per check *minimum*, and grows if the check is large... Here in Oz, credit cards cost anything from $24 to $55 per year just to have a card, Here it varies. The card I have from my bank (and am not using currently) is free; the card I am using, I am paying for ($50 a year). But it's also earning me frequent flier miles on several airlines. With the airlines being in trouble and beginning to be difficult about the miles' redemption, I may ditch it and revert to the old one. then there is the interest monthly, That's avoidable... :) and now, the latest thing is that shops, businesses etc may pass on the % fee they are charged by the card company, onto the customer, so your goods may cost an extra 3%. Some of our shops used to do it; sometimes for all purchases, sometimes only for small-amount purchases. But I haven't seen it done in years; people were refusing to use the credit card in their stores, but they had to pay a fee to the issuer anyway. -- Tamara P Duvallhttp://t-n-lace.net/ Lexington, Virginia, USA (Formerly of Warsaw, Poland) To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] :) Fwd: Incorrect Assumption (N.P.C)
*You* decide whether it's funny or not; I can't... :) From: M.D. For centuries, Hindu women have worn a red spot on their foreheads. We have always naively thought that it had something to do with their religion. The true story has recently been revealed by the Indian Embassy in Washington DC. When one of these women gets married, she brings with her a dowry. On her wedding night, the husband scratches off the red spot to see if he has won a convenience store, a gas station, a donut shop, or a motel in the United States. -- Tamara P Duvallhttp://t-n-lace.net/ Lexington, Virginia, USA (Formerly of Warsaw, Poland) To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] :) Fwd: Bungee Jumping
It seems like my Inbox is stuffed to the gills with jokes; I need to get rid of some of them, much as I dislike forwarding more than one or two per day. The ones I've not heard before are going first; the others I'll think about :) From: L.F. Alice and Frank are Bungee-jumping one day. Alice says to Frank, "You know, we could make a lot of money running our own Bungee-jumping service in Mexico." Frank thinks this is a great idea. So they pool their money and buy everything they'll need: a tower, an elastic cord, insurance, etc. They travel to Mexico and begin to set up on a square in a small town. As they are constructing the tower, a crowd begins to assemble. Slowly, more and more people gather to watch them at work. When they had finished, there was such a crowd they thought it would be a good idea to give a demonstration. So, Alice jumps. She bounces at the end of the cord, but when she comes back up, Frank notices that she has a few cuts and scratches. Unfortunately, Frank isn't able to catch her and she falls again, bounces and comes back up again. This time, she is bruised and bleeding. Again, Frank misses her. Alice falls again and bounces back up. This time she comes back pretty messed up-she's got a couple of broken bones and is almost unconscious. Luckily, Frank finally catches her this time and says, "What happened? Was the cord too long?" Barely able to speak, Alice gasps, "No, the Bungee cord was fine...It was the crowd. What the hell is a pinata? -- Tamara P Duvallhttp://t-n-lace.net/ Lexington, Virginia, USA (Formerly of Warsaw, Poland) To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] :) Fwd: You ordered what?
It's a bit silly... And it's a word-play (so those of you who hate them can zap now)... But it's new to mee and funny. From: A.N. A couple decide to go for a meal on their anniversary and after some deliberation decide on their local Chinese restaurant. They peruse the menu and finally agree to share the chef's special 'Chicken Surprise' The waiter brings over the meal, served in a lidded cast iron pot. Just as the wife is about to start the meal, the lid of the pot rises a tiny amount and she briefly sees two beady little eyes looking around before the lid slams back down. 'Good grief, did you see that?' she asks her husband. He hasn't so she asks him to look in the pot. He reaches for it and again the lid rises, and again he sees two beady little eyes looking around before it firmly slams back down. Rather perturbed he calls the waiter over, explains what is happening and demands an explanation. 'Well sir', says the waiter, 'What did you order?' 'We both chose the same', he replies, 'the Chicken Surprise' 'Oh I do apologise, this is my fault' says the waiter. 'I've brought you the Peking duck' -- Tamara P Duvallhttp://t-n-lace.net/ Lexington, Virginia, USA (Formerly of Warsaw, Poland) To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] Bungee jumping
Tamara's punch-line was: "What the hell is a pinata?" Well, what the hell *is* a pinata? Jean in Poole To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
[lace-chat] Debit cards
Withdrawal of cash from your bank account at an ATM here will incur a %age charge if you draw it using another bank's ATM. Some of the large supermarkets (who also have banks, debit cards and credit cards) don't charge anything if you use their ATM to draw on another bank. What I do is to pay for my groceries with my debit card and ask for "cashback" - ie withdraw cash from my bank account at the supermarket's till, even though I don't bank with the supermarket. No charge is made for the use of the debit card for either paying for the groceries or for withdrawing the cash from my bank account. I can also draw cash from my bank accunt using my debit card from any Post Office without charge. They also do foreign currency exchange in both directions with no commission charge. A friend buys and sells across the atlantic on ebay and mostly sends and receives cash (bank notes - or bills to those in the USA) and exchanges it at the Post Office. She says she's never had any money go missing in the post yet, and she avoids Paypal fees and commission charges from her bank or credit card. Jean in Poole To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
Re: [lace-chat] Bungee jumping
Google to the rescue: http://www.mexconnect.com/mex_/travel/wdevlin/wdpinatahistory.html Avital - Original Message - From: Jean Nathan <[EMAIL PROTECTED]> Date: Sunday, March 27, 2005 9:26 am Subject: [lace-chat] Bungee jumping > Tamara's punch-line was: "What the hell is a pinata?" > > Well, what the hell *is* a pinata? > > Jean in Poole > To unsubscribe send email to [EMAIL PROTECTED] containing the line: unsubscribe lace-chat [EMAIL PROTECTED] For help, write to [EMAIL PROTECTED]
