Good morning!!!!

[Wagtail]

I do not use debt (unless a few times by mistake) always make sure to use credit. Safer.

If I was using a debit card, I would keep a minimum of cash in that account, and transfer cash in as needed. A debit card in the wrong hands can be a disaster.

It may be a matter of different financial systems between the US and Aus but most here use a combined "EFTPOS" Debit/Credit card. You simply insert your card, select between Savings, Credit or Chequing and then enter your PIN. Your can choose to 'tap' the card, but only for Credit. Regarding a 'tap' Credit payment, if the amount is over a certain amount then you still have to enter your PIN.
EFTPOS is an acronym for Electronic Funds Transfer at Point Of Sale.
The card can also be used in an ATM.

I freely alternate between using the Credit or my Savings option, depending on what I'm purchasing.

 

[toppop52]

I do not use debt (unless a few times by mistake) always make sure to use credit. Safer.

If I was using a debit card, I would keep a minimum of cash in that account, and transfer cash in as needed. A debit card in the wrong hands can be a disaster.

My bank covers any losses at 100%, so it’s as safe as any.

 

[toppop52]

i'm now feeling really Old School

- I have a FLIP Phone (preference) that is on a Pay As You Go "plan" - no internet, no data, no texting. I pay $100 + $12 = $112 for the year ... of my 400 minutes last that long. So far, I have more than half of that still available after 9 months. I shove it in my pocket, keeping my hands free. Basically I use it to see if we need milk ? to check what Timmies we are meeting at for coffee, and occasionally it rings and I answer.
- my home office uses a desktop computer, and a residential phone line

I do taxes / bookkeeping from my home office, and I dislike the option of cheque deposits by cell phone. The cheques to not look "cancelled" so it messes with my calculations when doing someone's "books". Several times I have called a client to say ... do you realize that you have a $3500 cheque sitting here that will expire in 3 weeks (ie: after 6 months)? - oh ya, I deposited that ... uggh

I rarely carry cash - when I sell eggs, I keep the cash so that when I get to the gas station, I can stay in the car and let the attendant do the fill (less stress on my knee, getting in /out of vehicle.
my s, so like many others ... I seldom ever walk into the building.

I do not use a credit card ... I do pay wife's credit card down regularly

I drive a '93 Silverado, a '90 Tracker, and my classic / collector cars ('79 El Camino, '64 El Camino project) ... my wife has the nice ride, a 2016 Nissan Murano Platinum SUV

My '64 El Camino has a radio, and an 8-track car stereo

I still listen to CDs and have vinyl albums ... nothing for the cell phone though

Pretty Boring, I know.

BUT, I have a fairly new Kubota That makes the old stuff worth keeping.

Lifestyle is for the person living it.

 

[scaredychicken]

It may be a matter of different financial systems between the US and Aus but most here use a combined "EFTPOS" Debit/Credit card. You simply insert your card, select between Savings, Credit or Chequing and then enter your PIN. Your can choose to 'tap' the card, but only for Credit. Regarding a 'tap' Credit payment, if the amount is over a certain amount then you still have to enter your PIN.
EFTPOS is an acronym for Electronic Funds Transfer at Point Of Sale.
The card can also be used in an ATM.

I freely alternate between using the Credit or my Savings option, depending on what I'm purchasing.

exactly, that's my experience also.
one of my debit cards is actually identified as "debit / visa"
debit is just as safe for me as credit, and I don't want a credit card for use (I have a credit card for banking status, just to keep one alive)

 

[Alien]

Beautiful day today. Managed to get all the mowing finished at last. Lawns are looking great.
Also got my Tiger finished and the engine running. Last part of video is demonstrating how easy the engine is to start.

 

[toppop52]

We lost this father of three and fine police officer to a piece of white trashed that was walking the street because a Baltimore judge gave him probation before judgement on an armed robbery conviction. Armed robbery, not shoplifting.
We had the governor here last night calling out these liberal, no punishment DA’s and judges, it’s time that crap ended!

 

[toppop52]

View attachment 750092

We lost this father of three and fine police officer to a piece of white trashed that was walking the street because a Baltimore judge gave him probation before judgement on an armed robbery conviction. Armed robbery, not shoplifting.
We had the governor here last night calling out these liberal, no punishment DA’s and judges, it’s time that crap ended!

Wicomico Sheriff blames deputy's death on "revolving door" of Maryland's criminal justice system

In a fiery press conference, Wicomico County Sheriff Scott Lewis placed blame on the "revolving door" of Maryland's criminal justice system for the line of duty death of deputy Glenn Hilliard.

www.wmar2news.com

 

[daugen]

I do not use debt (unless a few times by mistake) always make sure to use credit. Safer.

If I was using a debit card, I would keep a minimum of cash in that account, and transfer cash in as needed. A debit card in the wrong hands can be a disaster.

this is excellent advice. Most banks/cc companies provide buyer protection; part of what we all pay for in the fees the cc co charges. But debit cards are not always backed up and can be a straight shot to your cash supply. I almost never use my debit card except to deposit checks. Always use cc card, get 1 percent back, and keep it paid off every month.
next time I'm in the bank going to ask about what protection they provide on debit account, since I keep a fair amount in a checking account/linked to savings.

cloudy cooler morning going up to 80 today. Thankful it's not as hot as many of you right now, except for our Southern hemisphere folks.
I'm off early to borrow a gas weedeater from one friend to go weedeat a garden for another. That job will leave me splattered in green from head to toe...
Then home to mow lawn.

tonight meeting another friend, going to Vietnamese restaurant for dinner, then a lecture at historical society in Doylestown about the history of all the covered wooden
bridges in this area.

 

[riptides]

73 outside this AM. Heading to lower 80's today.

Another fine day to be outside with the grass. Actually I might pour some concrete to start finishing up the doors on the milk house. Need to close them up, also need to get my tools out of there. LOL. So much to do and so many things inter-dependent on one another.

Mostly - I have returned to work full-time. And with the global downturn in the markets it looks to have been a smart move on my part. My boss has also expanded his staff so the work load and conditions are very favorable now for me.

Hope all have a great day. Be safe. Well wishes for those in need.

 

[daugen]

not a fun trip to dentist late yesterday, felt like a molar filling had fallen out.
And I heard what you never want to hear from your dentist:
That's a big one!
Groan. Between my tinnitus and sore neck, dentist time is just pure torture for me.