Too funny! It’s amusing what some people will believe.
I had some people believing that pasteurized milk was better for them because that milk was from cows who grazed in the pasture and they got sunlight, fresh grass and exercise, where the cows who gave unpasteurized milk were locked in stalls in the barn and ate hay.
That may be your OPINION that mornings are “wasted”. The world doesn’t revolve around you, there are many professions that work afternoon or night shifts. I used to get home from work in those “wasted mornings” and I “wasted” them making sure my kids were up, dressed and had a good breakfast before school. I got to see them go to the bus stop in the morning light were idiot drivers had a better chance of seeing them.
Nights came early enough so the kids could go to sleep and get enough sleep to function in school the next day.
The simple solution if you consider morning light to be “wasted” is just get up an hour earlier and not force the rest of the country to participate in your delusions.
That number is likely misleading. We may BUY 46 million turkeys around Thanksgiving but that doesn’t mean they’re all eaten. I will be cooking one that I bought last year and put in the freezer, and I’ve purchased 2 this year (at deeply discounted prices) and they’re in the freezer for dinners next year.
We enjoy a turkey dinner at other times of the year, for 33 cents per pound around Thanksgiving it’s a bargain.
There were numerous programmers rewriting code. I had several friends doing that. It was a concern, but not the civilization ending catastrophe some were claiming it would be.
Here’s a suggestion. GET A LIFE. Find a hobby, read a book, go for a walk or bike ride, go to the gym, put in a firepit and sit around a fire. Play chess, checkers or another game.
Volunteer somewhere, read books to hospital or nursing home residents, cuddle babies in the hospital, if animals are your thing volunteer at a shelter, there are homeless shelters and food banks. This time of year we have Toys for Tots and Coats for Kids and the Salvation Army is begging for bell ringers
I remember the prediction of the world ending in 2012, but more due to the Aztec calender ending (which according to some people accurately predicted several disasters), but nothing about asteroids.
I remember the Y2K hysteria where far too many fools thought all computers would melt down and throw us back to the stone age on the stroke of midnight on 12-31-99.
And what makes you think I haven’t read that stuff?
Now, YOU read federal laws covering both, as well as info from the CFPB and other reputable sites.
To help you out:
From Experians website
Credit cards are safer than debit cards because under federal law, they provide greater liability protection if you’re a victim of fraud.
Here’s how: If your credit card is lost or stolen and someone uses it to make unauthorized charges, you’ll only be responsible for up to $50. If unauthorized charges are made with a debit card, you could potentially be liable for the full amount, depending on when you report the card’s loss or theft.
Many credit cards also offer zero liability protection. This feature is also found on some debit cards, but you may still have to report within a certain number of days, and you’ll have to confirm the terms with the issuing bank
From a chart on that site:
If you report a card’s loss or theft before
fraud occurs: $0
If you report within 2 days of fraud: $50 max
If you report 2 to 60 days after fraud: $500 max
If you report more than 60 days afterfraud: No liability protection
Even Visa’s own website which claims "zero liability . . . " has a *
Which when you read the fine print is “*Certain restrictions, limitations, and exclusions apply and benefit configuration may vary. Please refer to your Guide to Benefits or contact your financial institution for full program terms and conditions, and to confirm specific coverage levels.”
You are partially right in that Visa requires institutions who use their network to offer some, limited, form of protection for debit card fraud, but it’s nowhere near what credit cards are required to offer by federal law.
I’ve known a few people who’ve had auto-pay from their checking accounts and have had problems. They usually (but not always) find out when they get notices about over-drafts (with the associated fees, and at times, declined payments with refused payment (or bounced check) fees)
It’s been my experience that smaller, more local, banks, especially credit unions, are far more likely to work with customers than large, national, companies or banks.
Too funny! It’s amusing what some people will believe.
I had some people believing that pasteurized milk was better for them because that milk was from cows who grazed in the pasture and they got sunlight, fresh grass and exercise, where the cows who gave unpasteurized milk were locked in stalls in the barn and ate hay.