28 August, 2013
Credit Card Debt Trivia
At least one in 10 consumers has more than 10 credit cards in their wallets. That’s equal to 304 tons of plastic or 61 Elephants.
It took the city of Montreal 30 years to pay off its Olympic debt of $2 billion, held in 1976!
The average American household carries between $5,000 and $9,000 in credit card debt depending on which report you review.
In 1950, Diner’s Club became the first company to offer a credit card that could be used at multiple locations. Initially the credit card was accepted at just 14 restaurants in New York. Even so, within a year, over 20,000 people were using it.
In case you’re wondering, the first BankAmericards (Visa) were made of paper and had a credit limit of $300.
MasterCard introduced the first credit card hologram in 1983 to help thwart counterfeit credit card operations.
In 1976, BankAmericard changed its name to VISA
Until 1979, MasterCard was known as Master Charge.
American Express introduced the first credit card made of plastic in 1958.
American Express started off as a shipping company in 1850
The Visa logo colors were chosen because the blue represented the sky and the gold represented color of the hills in California where Bank of America was founded.
When you use a credit card at a gas pump, the pump authorizes the purchase for something in the neighborhood of $50 first. So if you have less than $50 left on your limit, the pump will reject your purchase attempt.
Restaurants typically will authorize a credit card purchase for the amount of the bill plus 25% (for gratuity), so again, if your limit can’t handle the extra 25%, the purchase transaction will be rejected.
The expiration date on the card is “fake.” You can still use the card after its expiration date because the card number on your replacement will be the same.
The first six digits will correspond to the issuer, including the major industry identifier. 34xxxx/37xxxx are for American Express, 4xxxxx is for Visa, 51-55xxxx is for MasterCard, and 6011xx is for Discover.
Credit card interest rates in other countries can be as high as 70% to 120% APR.
The credit card industry refers to people who carry a balance as a "revolver" and people who pay off their balance in full as "deadbeats." This is because credit card companies tend to make very little money off financially responsible consumers.
24 August, 2013
Alternatives to the over-used phrase “we need to talk”:
1) Just say what you really want to say, just spit it out. There’s no need for an introductory sentence. Just be straight and to the point. Some people prefer abrasive honesty to sugar-coated words. If you’re direct and straightforward, it leaves little room for misunderstanding.
2) "Listen, you [insert favorite explicit word here]." This works especially well if the person you are trying to talk to won’t listen, is oblivious, or is running around the room with their hands on the ears saying "Blah Blah Blah".
23 August, 2013
35 Symptoms of Mid Life Crisis
The following is a list of symptoms that illustrate how defining a mid life crisis is truly relative to the person experiencing the changes.
Looking into the mirror and you no longer recognize yourself.
Desiring to quit a good job.
Unexplained bouts of depression when doing tasks that used to make you happy.
Changing or investigating new religions, churches or new age philosophy.
Change of habits. Activities which used to bring pleasure now are boring. Unable to complete or concentrate on tasks which used to be easy.
It feels good to get hurt.
Wanting to run away from everything.
A desire to get into physical shape.
Irritability or unexpected anger.
Change in allergies.
Desire for physical -Free Flowing- movement (Running, Biking, Dance, Fast red sports cars, Sky diving, etc).
Exploring new musical tastes.
Sudden desire to learn how to play an instrument.
Sudden interest in drawing, painting, writing books or poetry.
Shifting sleep patterns (Typically to less).
Thinking about death, wondering about the nature of death.
Changes to the balance of vitamins you take. Or taking dietary supplements for the purposes of extending life.
Extreme changes to what you eat.
Excessively buying new clothes and taking more time to look good.
Hair changes. (Natural changes in thickness, luster, color or Assisted changes in dying hair suddenly or shaving your head bald)
A desire to surround yourself with different settings.
Hanging out with a different generation as their energy and ideas stimulate you.
Restarting things, which you dropped 20 years earlier.
Upset at where society is going. Experience a desire to change the world for the better.
Feeling trapped or tied down by fiscal responsibilities.
Leaving (Mentally or Physically) family or feeling trapped in current family relationships.
A desire to teach others or become a healer.
Desiring a simple life.
Excessively looking back to one’s childhood.
Playing again just to play!
Keep re-asking yourself: “Where am I going with my life?”
Getting fixated on new “wonder” solutions to problems.
Recently experiencing something extremely stressful. Stress can trigger a Midlife transformation. Some examples include: Changing Jobs, Divorce, Death of someone close, Chemical/Toxic exposure upon the body or experiencing a major illness.
Doing things that get you into trouble when it surprises everyone as being out of character.
Someone unexpectedly exclaims: “You are going through a midlife crisis!”
You bought a Harley Davidson
21 August, 2013
In terms of reproduction, the majority of land snails are hermaphrodite (have a full set of organs of both sexes) and most lay clutches of eggs in the soil. Tiny snails hatch out of the egg with a small shell in place, and the shell grows spirally as the soft parts gradually increase in size. Most land snails have shells that are right-handed in their coiling. Land snails are also compulsive liars. Now you know.