I use debit cards and keep the receipts on the
Posted By: FLB on 2005-11-14
In Reply to: keep track!! - happy MT
desk until the item has cleared the bank. I check the accounts online EVERY morning and balance each while I am waiting for DQS to load. Once a check or debit clears I toss it.
This way mistakes (mine or others') can be caught before they become disasters, any by knowing exactly what the balance is I know what I can afford to spend that day.
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debit cards
 do they automatically take the money out of your account the second you use it. I looked at my account online and it is very low. DH has been using the DC and it has not shown any of the transactions dh made this weekend. Just wandering if it had already took those out but hasn't shown it yet on-line or are we going to be bumbarded tomorrow. If dh don't get his paycheck in Wed and quick me may be in trouble
Debit cards with logos on them
Where do you get debit cards from with the Visa or Master Card logo on them? My bank only gives out a Star Debit Card without any logos on it.
One of those radio financial guys said debit cards are the MOST dangerous to use.
s
Washington Mutual offers Visa debit cards with
nm
The Red Cross just HANDED OUT $5 million worth of debit cards in Texas.
FEMA decided to mail them in 14 days if the people knew where they were going to be...couldn't possibly get them out faster...too much work...etc.
You have to keep receipts (sm)
Keep receipts of everything, write off 40% use of your home for business. You can write off up to 60% use of your home for business. And when you report your business receipts, write off everything you can! Write off 40% of your rent or mortgage interest. Write off 40% of your utility bills, Sparkletts water. Write off your internet service. Get the Turbo Tax and do it yourself. If you use a tax man they may not get everything and you'll end up paying a fortune in taxes!
I'll believe that when I see your receipts.
$
See my receipts? you think I make more
I don't. I know you guys like to dream big and think there's more money, but there's not. Like I said, a hospital I know of was doing clinic work for doctors affiliated with the hospital for 18 cpl and the doctors would not pay that much anymore and found other services who would do it for less.
You people who think there is more money in this business these days are dreaming.
One thing also - keep all your receipts of any business related expenses
I have a folder and everytime I buy anything related to work whether it be a pen, a printer ribbon, a book, a keyboard, etc. I put in that folder. Those things add up and they are all deductible which comes off of your gross. This is in addition to the home use of your office. A statutory IC is a great way to go because you don't have to pay the entire social security but you are still IC and can utilize the business deductions. If you pay your own health insurance and it is in your name that is also deductible. Keep good records...this is the most important I have learned being an IC. Also you will probably have to file quarterly if you make over a certain amount. If you don't you will be penalized by IRS and have to pay the penalty fee with your April 15th filing. And also remember to figure your state taxes for the year. However it does depend on your personal situation and if you file jointly with your husband that may change things. Good luck.
Personally I think IC is great but unless you have some really good deductions you can end up paying a lot in taxes . If you have to pay your own social security at 15% and you were taxed at 20% rate for federal and let's say 6% for state you would be paying 41% of your income in taxes which is no fun. But you only pay on your net income and not your gross so it sort of comes out in the wash.
2,000 debit card
When your boss gives you your paycheck, do they ask what are you going to do with that money? Didnt think so. Same thing for the people of the gulf coast. They lost their jobs, their homes. The money they will be given will be in lieu of a paycheck till they can find another job and home. Its a paycheck from the govt.
Debit card use
I know the credit card companies charge the place of business a fee or percentage when you use your credit card but does anyone know if it costs them every time you use a debit card, does the business pay a fee? Our apartment complex just offered the option of automatic checking account deduction because they said it costs them less than credit/debit.
debit card
Usually my purchases show up right away, unless its a holiday weekend and I use the debit card like a credit card instead; then its usually the next business day before those purchases show up. However, if I use it like a regular debit card, holiday or not the purchases show right away.
Just got a debit card this week, trying to
get away from credit cards and be more responsible with $$ and out of debt. There was a pamphlet in with the card that gave a list of when to use credit and when to use debit and pretty much 99% of the time they suggested using credit. The biggest pro to using credit is that if there is a dispute over a purchase you can get the charged credited, at least temporarily, but not with a debit - at least that is what the pamphlet led me to believe. Not a usual occurrence, though nice to have that protection.
if you use your debit card for gas purchase (SM)
make sure you realize that some companies (Shell is really really bad to do this) will reserve extra funds on your debit card until the transaction completes and releases those funds 24-72 hours later. With Shell, it is $75 over your purchase. I nearly fainted when I realized what was happening. You can go on MSN Money and find a few articles on this -- gas companies reserving funds on your debit card.
Paypal debit card
We have a Paypal debit card that we can use just like any other check card/debit card. It just draws from the funds from your Paypal account. You can use it at the store, etc., and at the ATM. Even paying an ATM fee to get out cash would be less than the $10 charge to transfer. You might check on it.
What news channel? I have to use my debit as a credit at stores and such. NM
x
First, a prepaired debit card is not attached to your bank at all. SM
It is a separate account set up for use with your prepaid debit card only. No checks. No bank. And with the prepaid card, they cannot withdraw money without your prior authorization. Your employer can only deposit money if your employer provides a signed DD form with your signature on it.
I've never had any problems with my card. I feel pretty secure. I do pay bills with my card, but rather than authorize a recurring monthly charge (which you can do), I opt to manually get on the money card website and pay each bill, each month. So consider this. Once you authorize a recurring bill payment, it sometimes takes an act of God to stop it.
I always use my debit card (with visa symbol) for online purchases, never a problem. nm
x
cards
I just replaced my sound card, as well. I like the updated version of creative sound blaster... SB X-FI Audio. It is expensive, but worth the quality sound.
air cards
I use a Verizon wireless air card and it will not let you use a router. I can obviously unplug it from one pc and use it on another but not at the same time on both. I had asked about this when I signed up for it and they said that you have to have different cards on different computers to be able to use at the same time. I hope this helps.
Anything I should know about sound cards.
:
credit cards
Don't charge unless you can pay the piper.
credit cards (sm)
Yes, this is what I am referring to. I have been receiving these notices in the mail lately basically stating that the credit card companies can do whatever they want, i.e., raising interest rates, miminum payments, etc. This was attached onto the new bankruptcy bill that was passed in October. These changes will take effect I believe in Jan 2006. I am getting rid of all of mine. I have a good FICO score of 765 and have opted out of these new changes with the intent of paying off these cards. Hope everyone else is paying attention. Happy Thanksgiving!!
Then, do not get any more credit cards,
bank in this country, go to the doctor at all, have insurance, buy a Dell computer, or do any customer service calling. Boycott .. look around they are everywhere .. ;-)
Here's the way these cards work...sm
They put a hold on your account the second the card is scanned for the amount it is scanned for. The processing of the charges goes through usually within hours to a couple of days depending on your bank.
Here's the #1 pitfall of debit cards - and my fiance just learned this the hard way after I had already warned him. We went out to eat 3 weeks ago and the waiter ran the wrong ticket on his debit card. Our total was around $40. The waiter rang the table next to us which was a larger group of people and their charges were right at $100. We caught the error when he brought the ticket to be signed. His boss immediately ran a credit; however, the banking system wouldn't post the credit to his account for 3 days. This means that for 3 days he had $60 less available than he should have had available. My mom also had an episode once where she and some friends went out to eat and the waiter hit a wrong button, charging her $127.00 instead of $12.70. Sure they ran a credit right away but for 3 business days she didn't have access to the difference in the amounts. While neither of them were in danger of bouncing checks over these clerical errors, if they had been running low on funds then they would have had checks bounce and it wouldn't have been their fault. I refuse to have a debit card for this very reason. By using a credit card if there's a mistake made then at least you have access to regular cash while the correction is being applied.
USB wireless cards are available.
You can get a wireless card that plugs in directly to a USB port. Just go to any tech store. We have both Dell and Lynksis versions on various machines here. There is usually an installation cd with the device.
Sprint Air cards
I agree with the above poster, however, I know that when I visited North Carolina a little over a year ago, my cell phone coverage was terrible. The thing to remember with air cards whether they be from Sprint, Verizon or Cingular is that the speed that you get with using one of these is very dependent on how close you are to a cell tower. I have the USB air card from Sprint and can use it with either my desktop or my laptop.
I used phone cards until I got my
digital phone set up. They worked fine, but were a pain as I would disconnect if I had to proof something so I would save minutes. There is a phone service that charges 2.9 cents, but I can't think of the name right now.
Christmas Cards
I send out cards, but a lot less than I used to. I used to send out at least 50, but now because of the rise in postage, I've cut it way down. I noticed last year we got a lot less cards too. Maybe nobody likes us anymore. LOL.
Business Cards
I am interested in picking up some new accounts and really want to design a nice business card --besides the usual info what else can I put on there to make a good impression?
Thanks for your feedback -
Debit card. They've got the credit card logo on them, so they
can be used anywhere a credit card can be used.
This is not true if you have multiple cards. sm
While it's true you need to have lines of credit to show history, NO ONE will tell you to keep open many accounts, because many open accounts represents POTENTIAL debt.
2 cards - FEMA and Red Cross
They haven't gotten to the FEMA ones, I don't think yet, but the Red Cross ran out of their cards today in Houston at the GRB after people stood in line for about 6 or so hours. They thought there would be rioting. Yeah, we are having a great time here in Texas.
Business cards, referrals....
have really worked for me. I have had to turn away two offices recently and am very happy with the work I have. Cold calling landed me a good podiatry account and doing mailers/faxes provided two other accounts. If your persistent, you will get all the work you want. Where I live (Tampa) there are so many doctors' offices!
Best of luck to you!
What do you think about sending out Christmas cards with
a business card inside to solicit for local accounts? Tacky? Different? Original? I've got a list of small locals I'd like to solicit but was waiting until after the new year. Then I found a couple of boxes of Christmas cards that I bought on clearance last year. Why not kill two birds with one stone? Unclutter the Christmas box and send holiday greetings to potential clients?
Proscript sent out gift cards (sm)
for dinner when we caught up a new account. Our transcription director is always writing encouraging and informative memos, though I do miss Rick's unique input.
E-cards are free from Hallmark (sm)
And they have a lot to choose from: funny, sappy, holidays, birthdays, whatever. I love to e-mail my friends e-cards and I love to get them too. Go to the Hallmark website and click on e-cards. You could send them to her daily or weekly or whatever.
I also think it will just take time for your sister to adjust. I think you are wonderful to care the way you do and have the concern that you have. She is very lucky to have a sister like you.
Love gift cards
I worked for a company who gave out visa gift cards, gift cards to local spas, gift cards to office supply stores, and to book stores. I also think campany logo desk accessories are a great way to promote company loyalty. You could have a choice of different things like mouse pads, mugs, and such for the smaller bonus.
I do send out Christmas Cards...sm
My youngest was sick the other day at school so I picked him up. While he was resting on the couch, I took that opportunity to start my Christmas cards. I got 20 or so done. Will finish during this week - about another 10-20. I love getting snail mail Christmas cards and think it is a wonderful change of pace (even my next door neighbor sent us one in the mail) from getting emails all day long. This also gives my family a chance to see them as opposed to getting them via email.
Cards that say donation to charity sm
St. Jude's Children Hospital has them, it reads that a gift to the hospital has been given to the hospital in their honor. Very nice, not too personal and no hint that some return gift is expected.
If she gets to hawk her "discount medical cards"
can I solicit my Avon and scented candles businesses here?
which credit cards have the lowest interest now?
Looking to consolidate some bills, looking for the credit card with lowest interest
A few cards short of a full deck nm
   
Uh-oh! The cards are telling me to take the rest of the week off. See ya! nm
x
My mother-in-law got me a box of all occasion cards for Christmas.
I take it that was a hint, although why I should have to remember everyone else when none of them remembers me is beyond my comprehension. Her son can remember to buy gifts for his whole family. My family doesn't do stuff like that. We maybe send a card or call each other, but no gifts and parties are expected for adult relatives.
get business cards, pound the pavement....sm
go to medical center buildings and sell yourself with your business card, your resume if required, and your own self-confidence!! Good luck!!
Credit cards come in handy during emergencies
I know a few people who lived off their credit cards when their savings ran out and they had no income for short periods of time.
Also, other investors might purchase your home. If you want to sell it fast, price it to sell, knock the profit down to 20-25 G.
careful - that's how sound cards burn out...sm
I have my speakers plugged in behind the tower as I was told that if you plug your earphones directly into the tower you could blow out the sound card. I'm no maven but it's what I was told.
Does anyone send cards or anything to the office they work for? (sm)
Years ago when I worked for a smaller company a bunch of us made a big box of goodies and mailed it to the office. They were such great people, helpful and cheerful. The company always sent us something and we didn't want to just send to the owner of the company so we felt a card in a box of goodies everyone could share. Smaller places have more of a personal feel .
Now I work for a larger company and home made goodies may not be such a good idea. (The shipping alone would be a killer.) I guess a card addressed to "everyone" will have to do it. Thought about having X-mas cards made up with my family picture on it and sending that to kind of help them also put a face to the name. Too much? Think I would be better off with just a standard card?
Those of you that are doing anything for the office you work out of, what are you doing? Would love to "borrow" a really good idea.
TIA
Snail Mail Holiday Cards
Do you send Christmas cards or other holiday cards? About how many do you send out?
The card should have been given as gift cards for grocery stores, etc.
c
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