Creditors have much better memories than debtors.

Anonymous

Online banking is great, I can log in and check my account, make payments without writing checks or going to the bank etc… that’s awesome … But if ever you need to speak to a “human” (I use quotation marks not because I am NOT referring to the homo sapiens but rather some of the people that work at the bank are sometimes too dumb to be considered as part of our race, as you will see shortly)…

So I logged in and saw a debit which I could not identify (of only 49$, but still… I am referring to my commercial bank account) and picked up the phone and left a message for my account manager. 24 hrs later I get a call from her and she tells me she doesn’t know… (it took her 24hrs to figure that out?) and that I need to send a fax to another woman at the bank (in the SAME building) so she can call me back and give me the details of the transaction. Yes, yes, you read correctly: my commercial bank account manager at a bank (in downtown Montreal), is asking me to send a fax, to her colleague, who works 2 floors down from her, so that person can call me to tell me why I have an unauthorized debit in my account. Ok… so I keep my cool, and I write the fax: “Dear so-and-so, please call me I would like to ask a question about a debit on Nov 16, etc…”.

A few hours later that day, (still no call) I end up going at the bank to make some deposits, and the cashier talks to the person in question who recognizes me:

Bank woman- “Mr. Chamy, are you the one who sent me the fax earlier today?”

Anthony – “Yes, that’s me “

I have a big smile on my face since I realize that the issue will most likely be resolved in the next 30 seconds. I continue:

Anthony – “I wanted to identify this debit, but first, I wanted to know, is there no way for my bank account manager to reach you? I don’t understand why she called me and asked me to send you a fax for you to call me, I mean, it is… (and I was going to say ridiculous but I held back)…

Bank woman – “Well of course, Mr. Chamy, I mean, she is on another floor, she works in another department!”

…

My smile slowly fades away…

…

What I would have liked to say at this moment is: “You mean to tell me that it is simpler for her to pick up the phone, call her client (me), then have the client send you a fax asking you to have you call them back, and then you pick up the phone and call – instead of having her just contact you (by phone, e-mail, or just walk down 2 floors)?! You work in the same building for crying out loud! Are you serious? What freakin’ planet do we live on here? You guys are a major bank, how can you possible function properly this way? I am at a loss for words, this is insulting my intelligence…”

But I end up holding myself back (I assume thanks to Daniel Goleman’s book: Emotional Intelligence) since I know that to upset the ladies that deposit your company cheques must not be a good thing and I just swallow my anger and respond very calmly (with a new and improved smile of course):

Anthony – “Ah ok, well… what is that debit anyway, I did not authorize it so I’d like to know what it is”…

Bank woman – “Ah well yes, I was going to call you Mr. Chamy, to tell you that I do not know what this debit transaction is, you will have to talk to your account manager.”

My smile quickly disappears for good…

…

At this point I just squeezed my mouth shut so as not to scream any profanities, and walked away…

To be continued…

I won't mention which bank it is

Most often you get a debit card from your bank and it also carries a “Mastercard” or “Visa” logo. Except when you are at a bank ATM, it is a good idea to press or use the “credit” function of your card for several reasons. When you use it as a debit at retailers it is a “cash” transaction and your money will be immediately taken out of your account. If your information is received by an identity thief, he/she then has the ability to take out all of the money in your checking, anything attached to it like a savings account and any line of credit that is set up. Even if you catch the theft within a day or two, the money is gone and you have to fight to get it back. With a credit card there is a “float” where you can spend money before you have to pay it, so if there is theft you can dispute the charge or charges before any money has been removed from your account. There are protections in either case- if reported in time your liability will usually only be $50, depending upon your bank. But it makes more sense to press the charge button when using your debit/charge card, particularly with the holidays coming and stores getting busier. An added bonus is if you don’t have much of a credit history, using the credit function on the debit card from a major bank, will be reported on your credit report as a credit transaction, and making required payments on a monthly basis will help you establish good credit.

C’est un truc que je connais depuis longtemps, mais que je commence à pratiquer de plus en plus systématiquement. J’utilise Firefox, mais ça fonctionne logiquement avec tous les navigateurs qui sont capables de mettre un téléchargement en pause, et puis de le redémarrer (dans mon souvenir, même si c’est théoriquement possible avec l’excellent Opera, la fonction de mise en pause fait souvent planter le téléchargement; mais ce souvenir est vieux…). C’est une astuce très bête qui consiste à mettre en pause le téléchargement, et puis de le redémarrer tout de suite. Dans beaucoup de cas, il devrait redémarrer sur les chapeaux de roues, et continuer à toute vitesse pendant quelques secondes. On peut répéter l’opération jusqu’à la fin du téléchargement.

Pour ceux qui ne verraient pas pourquoi ça arrive, sachez que tous les sites où vous vous rendez pour télécharger des fichiers divers, lire des video, … possèdent un mécanisme de régulation de la vitesse de téléchargement des utilisateurs. Même si le site a, au moment où vous téléchargez, la possibilité de vous fournir un débit de 4Mo/s, il va vite limiter votre débit et vous faire descendre généralement entre 60 et 180Ko/s. Le truc, c’est que, le temps que cette limitation se mette en place, il peut s’écouler plusieurs secondes… plusieurs secondes durant lesquelles vous allez télécharger à un débit plusieurs fois suppérieur à celui qui vous est accordé théoriquement. Donc, une fois que le téléchargement est lancé et que le débit est descendu à sa vitesse de croisière, il suffit de mettre le téléchargement en pause et de le redémarrer immédiatement pour que le débit explose pendant quelques secondes (variable d’un site à l’autre, évidemment) le temps d’être de nouveau limité.

C’est ainsi que, sans rien avoir installé de spécial, je réduis en 2-3 cliques un temps de téléchargement de plusieurs minutes  à quelques secondes… Bien sûr, le temps qui sera passé avant que votre débit ne soit régulé, et le débit que vous obtiendrez dans les phases non régulées, dépendent du site et du moment. Il m’est arrivé de télécharger un fichier de plusieurs dizaines de Mo en quelques secondes. Parfois, en revanche, cette petite astuce est totalement inefficace…

Inainte sa imi fac card ,am cautat pe foarte multe forumuri..si am pierdut multe ore…aiurea..incercand sa gasesc raspunsul la intrebarea mea: carduri de debit accepta paypal…???  In urma multor investigatii mi’am facut 2 carduri la BCR…,1 maestro si 1 visa electron…!Acum probabil se intreaba lumea..de ce 2 carduri…,am o explicatie foarte simpla: in urma informarii de pe anumite forumuri etc…mi s’a spus ca este bine ca NICIODATA sa nu tin o suma mare pe cardul cu care fac platiile online,ci doar sa am o suma nu foarte mare dar nici foarte mica..pe el..si atunci cand am nevoie…sa cumpar ceva,trimit suma exacta necesara pentru a cumpara “produsul” …

Raspunsurile de mai jos sunt niste sondaje de pe net despre carduri care accepta paypal.Daca vreti sa contribuiti postati dupa ex. urmator:

Banca Emitenta: ……………
Tip card: Debit / Credit.
Model: ……………….. (ex. “Mastercard Maestro” sau “Visa Electron”).
Moneda: RON/USD/EURO.
Am putut retrage bani din contul de PayPal: Da / Nu.

Banca Emitenta: Bancpost
Tip card: Credit
Model: MasterCard
Moneda: RON
Am putut retrage bani din contul de PayPal:nu

Banca Emitenta: Banca Transilvania
Tip card: Debit
Model: MasterCard Mondo
Moneda: RON
Am putut retrage bani din contul de PayPal: Nu

Banca Emitenta: Unicredit Tiriac
Tip card: Credit
Model: MasterCard
Moneda: RON
Am putut retrage bani din contul de PayPal: Nu

Banca Emitenta: BCR
Tip card: Debit
Model: Visa Electron
Am putut retrage bani din contul de PayPal: Da
Moneda: RON

Banca Emitenta: ING
Tip card: Debit
Model: Visa Electron
Moneda: RON
Am putut retrage bani din contul de PayPal: Da
Banca Emitenta: Raiffeisen
Tip card: Debit
Model: Mastercard
Moneda: RON
Am putut retrage bani din contul de PayPal:nu

Banca Emitenta: ING
Tip card: Debit /
Model: Visa Electron
Moneda: RON
Am putut retrage bani din contul de PayPal:da

Banca Emitenta: Raiffeisen
Tip card: Debit
Model: Visa Electron
Moneda: RON
Am putut retrage bani din contul de PayPal:da

Banca Emitenta: Raiffeisen
Tip card: Debit
Model: Mastercard
Moneda: USD
Am putut retrage bani din contul de PayPal:nu

Banca Emitenta: Banca Transilvania
Tip Card: Debit
Model: Visa Electron (Euro 26)
Moneda: RON
Am putut retrage bani din contul de PayPal: Nu

MY SCAM REVIEWS:

October 25th, 2009 at 1:30 am like a thief in the night my account with familyandfriends financial was canceled for no reason.

After 3,000 emails and numerous ads running without notice the plug was pulled.  No communications no nothing and that is why I am here to tell you that Family and Friends Financial is a fraud they even changed their log in name from www.familyandfriends.com  to something else.  See it in the search engine results. The links that they gave me to advertise don’t even exist anymore imagine that.  Imagine trying to advertise your links on an advertising site that checks the links and tell you that those links aren’t working at 1:30am in the morning.  No one writes you and no one calls that just the kind of things you have to deal with.  They can write you about a campaign ( the complete protection plan) that doesn’t have it’s website up and running.  But tell you that they don’t exist anymore that’s just too much trouble.  

Let’s face it there is no opportunity at.  I don’t even think they are a real company.  Please do not sign up with them or you will get burned.  

Here’s the new search engine results I pulled off the internet: 

Family and Friends Financial

Source: www.familyandfriends.com

Family and Friends Financial helps hard-working individuals by providing them with products and knowledge that allow them to achieve and maintain financial well-being.

Family and Friends Financial – 7:18am Family and Friends Financial – No Investment Required. fastfuneasyfree.com/ – Cached – Similar –

Family and Friends Financial | Facebook – 7:30am

 Welcome to the official Facebook Page of Family and Friends Financial. Get exclusive content and interact with Family and Friends Financial right from … www.facebook.com/…/Family-and-Friends-Financial/65113984137 – Cached – Similar – Family and Friends Financial Business, Contact Information and … Family and Friends Financial, Inc. (F3) representatives offer a variety of credit cards, home loans, vehicle loans, and identity theft … www.foundvalue.com/business/family-and-friends-financial – Cached -

Similar – Family and Friends Financial – Company Profile on LinkedIn – 7:20am View the Family and Friends Financial company profile on LinkedIn. See recent hires and promotions, competitors and how you’re connected to Family and … www.linkedin.com/companies/family-and-friends-financial – Cached – Similar – Family and Friends Financial – Home Based Business Network Apr 10, 2009 … Finally…!!! A TRUE INCOME opportunity that does not require you to collect money from your Friends or Family…!!! You can now genuinely … www.homebasedbusiness.com/group/familyandfriendsfinancial – Similar -

fAMILY & fRIENDS fINANCIAL – Twitternet Marketing Family and Friends Financial offers a F*REE Home Based Income Opportunity! … This call will be hosted by Family and Friends Financial. … www.twitternetmarketing.com/group/familyfriendsfinancial – Similar – MLMLegal.Com—MLM Company

Profiles Family and Friends Financial is located in Saint Petersburg, FL. … Family and Friends Financial sells a variety of credit cards, home loans, vehicle loans … www.mlmlegal.com/…/mlm-profiles-familyandfriends.htm – Cached

-          Similar – Family and Friends Financial – 7:28am

-          Family and Friends Financial helps hard-working individuals by providing them with products and knowledge that allow them to achieve and maintain financial … www.helpingfamilyandfriends.com/ – Cached – Similar – Family and Friends Financial, Tualatin OR 97062 Mar 13, 2009 … Get discount coupons for Family and Friends Financial and other Tualatin, OR local merchants. Let’s face it…couldn’t we all use another … www.merchantcircle.com/…/Family.and.Friends.Financial.Tualatin.OR.503- 616-2383 – Cached – Similar –

-          Family and Friends Financial – Free Home Business – Best Home … Apr 14, 2009 … A video by ScottOBrien – Helping Family and Friends Make Money from Home with Zero Start-Up Costs. The Family and Friends Financial Income … revver.com/…/family-and-friends-financial-free-home-business-best-home- business/ – Similar -

They got a facebook page do not trust it.

The ceo is Mangus Sublett and this is a Discover Card company.

Watch for this name because I believe he is a scam artist along with some others.  

The domains with family and friends has been eliminated and is up for sale at whois.com.  So why create this domain in the first place and you can now find them operating as merchantcircle.com, fastfuneasyfree.com and a whole host of other names.

Here are 4 key things to look for: 

1.   Mangus Sublett, ceo and

 2.  the test you must take to qualify and all

 3.  the overview of credit when you get to the site.  It is just a sad time wasting trick.  

4.  You get websites that can be terminated before you start.  

I thought it was odd when they said,  “ we are terminating you for spamming and I said, “I haven’t even started to advertise yet so how can that be.”

Watch out they got slick advertising and I bought it hook line and sinker and boy did I do some sinking.

5.  Watch for this logo

This Video is the mother of all lies

http://www.metacafe.com/watch/2680680/family_and_friends_financial_free_opportunity/

Anything I find out I will post.  Now I have the task of canceling all my ads, all my postings which is a big task.

I will instead refer people to this blog and undo attempt to undo all the adverts that I have done in favor of family and friends financial  

There are real opportunities out there and I am going to keep looking and I will blog about what happens.  I am looking into new opportunities as I speak.

 No more sucking it in and shrugging my shoulders and moving along.  I am going to tell, tell, tell…and tell

My Links were:

http://www.familyandfriends.com/credit_apply.asp http://www.familyandfriends.com/merchant.asp http://www.familyandfriends.com/deborahwashington

family and friends financial canceled their domain name www.familyandfriends.com  they don’t even exist anymore.

They got some strange names now.  Look them up in the search engine under Family and Friends Financial.  Do not look them up under family and friends.

EVERYTHING IN THIS VIDEO IS A LIE,  EVERYTHING

http://www.metacafe.com/watch/2680680/family_and_friends_financial_free_opportunity/

THEY CANCELED THE DOMAIN NAME WWW.FAMILYAND FRIENDS.COM AND ALL THE INDIVIDUAL SIGN UP PAGES THAT GO WITH THEM.  THEY ARE CALLING THEMSELVES SOMETHING NEW.

I repeat there is no opportunity.  Mangus Sublett is the CEO out of St. Petersburg, FL   I have warned you You are proably blocked by the server if anyone does sign up and the credit goes to them not you.

Contact Information   support@familyandfriends.com Phone Toll Free at (866) 895-6550 FAX at (727) 895-6551Family and Friends Financial, Inc. One Progress Plaza Suite 820 St. Petersburg, FL 33701-4344 Here is a useful  way to check out legitimate offers on the web use this link and never be scammed again http://www.imreportcard.com/r/philamena

If you are wondering what facecard is, let me tell you that it is the answer for parents to teach their college going children financial responsibility. Facecard is like an ‘allowance’ in which parents or friends can deposit money that a student can use anywhere mastercard is accepted. It is a prepaid card introduced by MetaBank in 2008. The idea behind introducing this card is to establish an alternative to a credit or debit card especially for students.

Parents can load cash to the student facecard account using their mobile phone or computers. They have the authority to monitor where the student is spending the money, which gives them a greater control. Also, if the child shows irresponsible spending behavior, the parents can have a chance to teach their child how to utilize credit in a better way. Moreover, the card has discounts known as prewards for saving on purchases. Prewards work something like this – students receive preward offers in their account, which they can accept or reject at their free will. Suppose the offer suggests a 3$ discount on sandwich. If the sandwich costs $6, only $3 will be deducted when the student uses the card.

Last month, Facecard, in association with Facebook, launched an application, which links both of them. This application, also known as facecard, can be downloaded directly. It promotes money transfers on facecard through facebook. You can transfer money in three ways, either by sending ‘money messages’ or transferring money to the another Facebook user’s wishlist or by gifting it using the ‘thinking of you’ option.

Facecard charges $5 for signing up and $3 as a monthly account maintenance fees. The monthly maintenance fees can be waived off on two occasions – if you load paycheck through direct deposit or spend minimum $100 a month using the facecard. The prewards and other features make facecard a better utility than the free checking account. The facecard seems to have a good future and remarkable uniqueness among other cards.

http://www.free-credit-report-360.com

La vitesse des débits autorisés par l’abonnement à internet s’est largement améliorée depuis l’avénement de l’ADSL et du câble. Il est loin le temps des 52 kbs qui, s’il autorisait la récupération de mail, n’était pas du tout adapté à un confortable surf sur le Net. L’apparition de ce qu’on appelait déjà à l’époque le “haut débit” a permis, avec ses 512 Kbs, une meilleure expérience de la Toile. Puis sont apparues à travers l’ADSL les offres à 1Mbs, 5Mbs et 24Mbs. Aujourd’hui, certaines offres Très haut débit permettent de surfer avec des débits avoisinant les 100 Mbs grâce à la fibre optique et au câble notamment. Tous ces chiffres peuvent paraître abscons pour certains mais c’est grâce à ces débits qu’en France aujourd’hui on peut confortablement regarder la TV sans antenne, téléphoner gratuitement , louer un film en VOD Haute Définition sans que ça plante… Faire tout ça en même temps nécessite de gros débits. Et ces usages se banalisant dans les familles, il va falloir que ces débits s’améliorent encore. Imaginons une famille de 4 personnes : Le jeune garçon participe à un jeu en ligne en 3D, la jeune fille partage des vidéos sur Facebook, le papa assiste au grand prix en HD devant sa télé sur IP (réception par ADSL) et la maman visionne un programme vieux de 3 jours sur un site de rattrapage (catch up TV). Oui je sais, tout ça ne va pas améliorer la cohésion familiale mais là n’est pas le débat; Si vous ajoutez à cela le fait que le garçon a oublié de couper la musique qu’il écoute en streaming depuis sa radio en ligne, que devant la télévision le papa ne peut s’empêcher de récupérer des mails sur son smartphone, y’a intérêt à ce que le débit internet de la maison tienne le choc.

Et bien sachez qu’en France, tout ça est possible grâce à 2 facteurs essentiels : Les fournisseurs d’accès à internet (FAI) (Orange, Free, Bouygues Telecom, Numéricâble,…) investissent des dizaines de millions d’euros dans leurs infrastructures et une bonne partie de notre territoire a accès au haut débit voire au très haut débit. Ensuite, la concurrence est assez importante pour tirer les tarifs vers le bas. La qualité de ces 2 facteurs place d’ailleurs la France dans le peloton de tête des pays les plus avant-gardistes dans le domaine de l’internet.

Dans un classement international de la qualité et des coût de l’internet (OCDE), c’est le Japon qui arrive en tête avec une moyenne de 61Mbs pour un coût mensuel du Mb à 0,27$. Dans ce tableau, la France arrive 5ème derrière la Suède, la Finlande et la Corée. La France possède un réseau au débit moyen de 17,6 Mbs et un coût mensuel du Mb à 1,64$. C’est cher par rapport au Japon (0,27$) ou à la Suède (0,63$) mais contrairement à ce qu’on peut imaginer, c’est bien mieux que les pays Nord-américains : Les Etats-Unis n’arrivent que…15ème ! Leur débit moyen est de 4,8 Mbs pour un coût mensuel du Mb de 3,33$. Si le Canada fait mieux que les USA en terme de rapidité, leur Mb revient à 6,50$ par mois au consommateur !!

Il s’agit de moyennes et elles ne doivent pas faire oublier que si la France est un pays performant, reste que la pénétration d’internet y a encore de belles marges de progression : En septembre 2009 62,8% de la population française est connectée selon Médiamétrie (+5% par rapport à septembre 2008).

Source et infographie plus grande

We at Credit Card Processor want to help you make as much money as you can.  The best and most effective way to do that, we believe, is through “virtual payment,” which occurs when your customers use their credit cards, debit cards, and electronic checks to pay for your goods and/or services.

Our Authorize.net Payment Gateway program enables you to accept payment from any credit card, in any location, whether that’s at your store, in a remote place, or on the internet.  Authorize.net provides credit card merchants with global payment solutions that enable them to process credit card and electronic check transactions worldwide.  We understand your ever-changing needs, and the solutions we provide you are specially made to help your online business expand.

In order to do that, of course, and to effectively compete in today’s internet and mobile world, you need to process transactions quickly and securely.  Authorize.net payment solutions ensure both speed and security.  We provide the following for you:

• Secure information: We protect your customers’ information throughout the payment process.
• Fraud prevention: We have a wide variety of built-in fraud tools.
• A way to accept a variety of payments, including all major credit cards, electronic checks, gifts cards, signature debits, and internet auctions.
• A way to receive your payments quickly: Your funds are automatically deposited into your merchant bank account within a few days.
• A way to manage all your transactions: You’ll be able monitor and control payments through your website.

info@creditcardprocessor.com

Ever felt like ripping a little cash off credit card companies for all the mess that they have created in your life? Well, here’s how you can do it. Making your credit card payment smartly can serve the dual purpose of receiving rewards from credit card providers as well as improving your credit score.

Set up a direct debit

Through a direct debit, a credit card company can take away a variable sum, which reduces your principal. If you ask your credit card company to deduct the full monthly payment, instead of taking a partial amount, you can save a substantial amount. Once you do this, your credit card transforms into a debit card, which benefits you on every transaction. Credit card companies charge the retailer certain amount of fees each time a customer uses a card. The proceeds turn into cashback rewards, which eventually go into your pocket.

In some cases, the credit card companies take away ‘the payment in full’ option, which restricts you to a certain payment every month. According to rules, they have to provide you with the full payment option when you sign up an account. So, if at all you come across such a case wherein the company has hidden the full payment information, you can mention it separately and then call up the company to confirm whether they have taken the due notice of the issue or no.

Moreover, you can derive additional benefits from credit card companies through stoozing or getting freebies. In stoozing, you can borrow credit from a credit card company that offers zero percent interest rate for a certain period of time (for ex. Six months or one year). Then, you can deposit this borrowed amount in a high interest rate account to reap the maximum benefits. Also, regularly using your credit card will entitle you for freebies such a electronics or free flight tickets.

http://www.free-credit-report-360.com

It’s that time again. That wonderful time where I angst about people who need to really be put to sleep. (perhaps this is a harsh statement?)

Today’s rejects are brought to you from Walmart since everyone and their mother goes there.

I checked this man out who was using food stamps. For whatever reason 84 cents was left over. I explained to him that there was 84 cents left but he just kept staring at me. He wouldn’t say anything. So finally after saying something for the third time he finally speaks and says for me to take an apple off. Then he says just one and when I apparently didn’t understand this he says I only want one. So once I fully understand what is going on I ask him which apple he wants because he has four different types of apples. He says he doesn’t care so I begin the voiding process for produce which is a tad longer than normal voiding. With voiding other items you can just press the void button and scan the bar code. But produce is weighed and each situation bears a different weight. What you do is press the void key and then type in the produces number, the computer then asks “what amount?” you then have to look at the receipt slip and see how much that item rang up for, type that amount in and press enter.  It’s a bit confusing at first but once you have it down you can learn to do it pretty quickly. Apparently I wasn’t going fast enough and mid way into the voiding process he just says I’ll go to another register. I tell him he needs to wait a few minutes for me to get a manager to void the whole transaction because he has already slid his card and it won’t work if he uses it before my transaction is canceled but he just ignored me. He grabs his things (minus the apples) and goes to the cashier next to me. One of the managers comes over to cancel the transaction and I notice he forgot his apples. I grab them and take them to him and he yells at me “I SAID I ONLY WANTED ONE!!!” At this point, I walked away and turned my back to him to distance myself. My manager said to just ignore him but it had me sick for a few  hours.

This next lady was more interesting than rude. She came up with a mountain of stuff in a cart. The amount was so huge she had to get a second cart just to get things efficiently through the line and proceeds to organize everything and asks me not to start scanning until she has everything ready. Once she had everything ready she asks me to keep cold with cold, cans with cans… well.. you get the drill… then says to stuff each bag  as full as possible so she doesn’t have too many bags, but then she proceeds to tell me that she also wants everything double bagged. (makes a lot of sense huh? I want as little bags as possible BUT I want them all double bagged). After I gave her this blank stare (since all this info had yet to reach the offices in my brain) she went ahead and offered to bag everything herself. (THANK GOD!!!) It was very long and grueling.

On the same day as the mountain cart lady I came across a very interesting situation. She was very nice and I had finished checking her out and she gave me a large book’s worth of coupons. She had also gotten seven air wick fresheners and had six coupons for them. What was odd is that each of the coupons was the amount of each air wick. So in theory she was only paying for one. My computer popped up a message saying that at the end of the transaction I would need a manager to accept the transaction because of the large amount of coupons. Here is where things get really fucked up. She had gotten a bunch of lunchables and had a coupon for them… buy at least seven and you get 1.50 off. Well the computer wouldn’t accept the coupon and upon closer inspection it showed that it was an albertson’s coupon. She began arguing with me that she knew our policies and that it was a manufacturer’s coupon and that we take manufacturer’s coupons. I explained that I couldn’t do anything about it because it had to do with the computers and that I would get my manager to fix the issue. The manager came up and told her we couldn’t take it, she threw a fit saying we could and starts whining and crying “My kids need these” etc. Then she calls customer service while still in the line which is holding up the rest of the line (it was very busy that day). She argues with the customer service people and my manager suspends the transaction so I can continue with the line and also so we wouldn’t have to start over with her transaction when she was done. I sent her to another cashier who didn’t have any customers so she wouldn’t have to wait in line. This is where it gets hairy. The other cashier has to get another manager because the computer gave another “need manager” message. I was pulled off the lines to go to the manager’s office afterward and it was explained to me that the lady couldn’t purchase all those air wicks like she was trying to do. The reason is because people will take them somewhere else and then collect the money by returning them. She would have gotten 35 dollars from this. I wasn’t in trouble (I thought I was and I was trembling in my little space boots) and they congratulated me on staying calm.

This next story will make you loose your socks. I checked the lady out, bagged her things, pulled out the changed and handed it to her, and closed my register. Upon finishing the transaction the lady freaks out and starts saying things like why the hell did you give me this nickel (like I’d given it to her on purpose) and saying that no one else will accept this nickel and starts flipping off the deep end. Thus, I gave her a nickel she didn’t like. It had some black and white stuff on the face and you couldn’t see the face at all. However, you could still tell it was a nickel. At first she calmed down and said she would wait for the next customer so I can just give her a different nickel. I had no problem with this but the next customer used debit. Then she freaks out even worse and screams at me to get my manager. My manager gave her another nickel and she stormed off. For god sakes… its a fucking nickel. All our money is given to us by a bank. If the bank accepts it… everyone accepts it. Jeez….

Finally, today’s story… Now usually when someone gives me money and I open the register and then they try to give me change to get X amount of money or to trade types I won’t do it. The reason is so I don’t give them the wrong amount and/or give my draw the wrong amount. It’s the safest way not to get yourself into a bad situation. I’ve only done it a few times and it makes me uncomfortable. If it makes us uncomfortable we don’t have to do it. So this girl gives me the money, I open the register, and she proceeds to try and give me change and I explain that I have already opened the register and I am not suppose to do that. I give her the change and close the register and she starts telling me how rude I am and what a bitch I’m being and that she has worked for Walmart before and knows for a fact that we can give change back. She also proceeds to say that she’s going to turn in a complaint on me. Her companion gives me her things and tries to tell her to stop and I politely turned to her and said “It’s ok maam… she can say whatever she wants about me.” I smiled, finished the transaction and told both of them that I hope they have a wonderful evening.

So there you have it…. three weeks worth of crazy for your enjoyment. I’d like to hear some of your stories or even just your comments on the ones I have here. I appreciate those who read my blog on a constant basis so if you like the “People who piss me off” posts… please let me know.

Werewolfchibichan

CBC News
October 13, 2009
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Summary­

Future Shop, Canada’s greatest electronics retailer plans to hire 5,000 workers starting this week in preparation for the winter holidays. This indicates that Future Shop anticipates consumers to spend handsomely to stimulate the slowly recovering economy during these desperate and frugal times. Future Shop’s decision to employ this early illustrates the apprehension of well-trained employees during these upcoming weeks. This lengthy time period also denote the availability of these employable slots. In spite of this, many retailers including Future Shop reports a labour shortage notably because most people do not like working in retail. Wal-Mart, another large retailer, plans to significantly slash the prices on toys every week up until Christmas.

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Connection

The connection between this section of the chapter and this article is that both Future Shop and Wal-Mart are merchandising businesses. This means that both these large corporations buys and sells good for a profit. The interesting thing I wondered was that how could these large businesses earn a large enough profit margin to keep several chains of their businesses running if they keep on reducing the prices of their goods while maintaining the wages of their employees alongside with their operating expenses. Not that I’m complaining, but this is a interesting point to note here.

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­Reflection

An afterthought; the decisions made by the aforementioned retailers are commendable. The outcomes of this decision are beneficial to both the retailers and the consumers in an equal symbiosis. While the retailers can lure in more customers and get the economy flowing, the consumers can receive affordable merchandises for doing their part by buying. This is truly a double-edged sword, except it does both parties good instead of harm. Perhaps I should apply for a job at the electronics sector of Future Shop to get an even further discount on electronics.

Part of the reason I started this blog was because I don’t think it’s just the recession that’s made us all want to spend less money. I think there’s an attitude shift: people want to buy less because they don’t want to buy as much, even if they still want to look good and have a social life.

And today there’s more evidence of just that. Despite the fact that economists and financial experts have started telling us that things are supposedly picking up, we all know that it’s going to be a while before we’re spending like the old days. You know, like 2007.

The new Zagat survey, for one, shows that New Yorkers are (shock!) eating out only 3 times a week, down from 3.3-3.4. And they’re spending less when they do – passing on starters or desserts, and cutting back on alcohol. On the upside, a fifth are eating more healthily as a result. Quelle surprise. This in a city where most people don’t know how to turn their oven on.

Meanwhile, Mastercard reports that we’re getting more thoughtful with our wallets, putting 4.1% more on debit cards and 14.8% less on credit cards.

Less scientifically, a New York magazine street poll found that of those who spent less last year (41%), the vast majority of them (60%) did it because they ‘just realised it was time to be smarter with money’.

And that there’s no downside to that, whatever way you spin it.

Une pétition a été lancée sur le net , voilà de quoi il s’agit :

Pétition Pour une Amélioration de l’ADSL en Algérie‏

Vous êtes algérien, vous êtes abonné a l’ADSL, que ça soit Fawri, Easy, ou Anis il est probable que vous souffrez de la saturation et de la très mauvaise qualité de la connexion.

Donc si vous avez un débit très bas par rapport à celui que vous avez payé, si vous êtes obligé de vous connecter la nuit pour profiter d’un bon débit vu que dans la journée c’est catastrophique, si vous estimez être arnaqué et vous en avez pas pour votre argent, alors SIGNEZ.

On demande pas l’impossible à Algérie Télécom, car le problème n’est pas difficile a résoudre, il faut juste vouloir le faire parce que les moyens ne manquent pas.

Nous avons droit aussi à un service technique compétent, de vrais ingénieurs qui soient disponible tous les jours de la semaine et qu’ils nous traitent comme des humains.

Faites entendre votre voix, c’est votre droit, alors si vous êtes d’accord avec le contenu de cette pétition, signez la.

le lien :

www.petitionduweb.com/pour_l_amelioration_de_l_ADSL_en_Algerie-5086.html

Moi c’est fait :

Source :

www.djazairdvb.biz / abdou31dz

Ahah, si vous lisez ce post, c’est que la fibre optique vous titille. Vous hésitez, vous recherchez des informations pour sauter le pas. Et vous faites bien de lire cet article.

Alors venons en vite au fait.

Je venais juste de m’installer sur la région de Lille et j’avais choisi Free en ADSL, un bon opérateur qui m’a malheureusement servi du 4 Mbits/s, car je me trouvais en bout de ligne donc avec pas mal de perte. J’avais donc le choix entre surfer sur Internet, regarder la télé en bas débit ou enregistrer une émission. Choix difficile, voire cruel.

J’ai cherché un peu ce que je pouvais faire pour améliorer tout ca, mais un concurrent toujours dans l’ADSL ne m’aurait rien apporté de plus.

Il y avait bien Numéricable, mais avec sa réputation, visiblement toujours de vigueur, je ne voulais pas payer plus pour ne plus rien avoir. Petite anecdote : Je vais dans une boutique Numéricable et j’attends avec 4 clients mécontents devant moi (pas bon) et un vendeur absolument pas motivé, qui donne des renseignements différents de ceux donnés par téléphone. Et pas de décodeur en stock. Ca ne donne vraiment pas envie.

Mais 4Mbits/s, je ne pouvais pas rester sans rien faire. Et en cherchant, j’ai vu que Darty proposait le THD avec sa DartyBox.

Contacter Darty par téléphone

Alors j’appelle Darty un vendredi soir sur un numéro au tarif local, c’est raisonnable. Et là on me dit, faut prendre RDV pour avoir des infos sur les offres DartyBox. Je me dis bizarre, mais pourquoi pas. Alors je donne mon tel et je leur demande de me rappeler le lendemain. Et le lendemain (samedi donc), pas d’appel. Dommage. Bon, motivé, je rappelle et je tombe sur une charmante opératrice du maghreb qui ne comprend pas vraiment pourquoi je devais prendre RDV, mais on ne cherche pas. Je lance donc mon inscription, même si je ne sais pas vraiment quel sera mon débit réel, 30Mb/s ou 100Mb/s. Je me dis que même 30, c’est déjà pas mal. L’inscription se fait assez rapidement avec une confirmation par email. Je dois récupérer ma DartyBox à mon Darty le plus proche le lundi, pas de souci. Et avec résiliation Free automatique, que demande le peuple…?

Récupérer sa DartyBox

Le lundi, je vais à mon magasin et je dis que je viens prendre ma DartyBox. On me regarde avec de gros yeux, comme si c’était la première fois que quelqu’un venait pour prendre ce type de matériel. C’est récent certes, mais quand même.

Je donne donc ma référence et on essaie de chercher mon contrat, mais ca n’a pas l’air de fonctionner comme il faut. Mon vendeur décide donc d’annuler le premier contrat et d’en refaire un. Pourquoi pas, si je peux avoir mon THD. Une heure quand même pour tout faire, plus que par téléphone, mais ce n’est pas grave, je sors avec mes boites et j’ai une date pour l’installation gratos.

L’installation

Le vendredi, donc, pour cause de dispo perso, l’installateur vient et fait son travail, nickel. J’ai donc le THD. Excellent.

Voici maintenant 15 jours que j’ai le THD et je ne regrette pas son choix. Cependant…

Sur le long terme

Je n’ai “que” du 30 Mbits/s, qui avec les différents tests faits sur Internet s’avère plus proche de 15 MBits/s, voire 12MBits/s. C’est bien, mais bien loin de la réalité.

En appelant Darty, on comprend que les débits qui sont vendus ne sont jamais ceux que vous aurez réellement. En effet, 4 à 7 MBits/s sont utilisés pour gérer le réseau (ce qui permet par la même occasion à Darty de suivre votre consommation, quantité de download/upload, connexion…). J’espère quand même que tout n’est pas tracé, mais ca commence à faire peur…

Et surtout on essaie de vous expliquer que vous ne partagez pas vos 30Mbits/s avec vos voisins, mais que si ceux-ci utilisent beaucoup Internet, ca a quand même un impact pour vous. Ah c’est dommage quand même.

Alors quel est mon conseil ?

• Si vous avez Internet par ADSL et que vous êtes près du DSLAM, soit dans les 16Mbits/s de download, allez sur le site de Numéricable et voyez si la fibre qu’il propose est à 30 ou 100 Mbits/s. Darty utilisant leur réseau, vous saurez à l’avance quel sera le votre. S’il s’agit de 30Mbits, ne passez pas à la fibre, ca ne vous apportera rien sauf si vous n’êtes pas satisfait de votre FAI actuel, bien sur.

• Si vous êtes loin du DSLAM, avec des réseaux bas, genre 4 à 7 Mbits, jetez-vous sur l’offre Darty (allez sur le site de Numéricable, si vous voulez connaitre votre futur débit).

Quid des autres services ?

• Pour le téléphone, rien à dire de particulier. Ca marche, c’est de bonne qualité.

• Pour la télévision, de la HD de bonne qualité, moins de chaines que sur l’ADSL, mais ce ne sont que des chaines que je ne regardais pas de toute facon. Cependant un guide des programmes vraiment très très (très) mal pensé. Et j’insiste sur ce point. L’interface est jolie mais absolument pas pratique, tout le contraire de celle de Free, très moche mais très facile pour surfer d’une chaine à l’autre ou d’une journée à l’autre.

Les faux prix

S’il y a bien un truc qui me fait marrer, mais qui devrait plutôt me faire pleurer, c’est les prix affichés. On vous annonce des tarifs à 29,90€/mois. Sauf que le décodeur est obligatoire à louer tous les mois pour 5 € et le modem est lui aussi obligatoire pour 3 €. Donc de 29,90€/mois on passe à 37,90€/mois. Si c’est pas de la publicité mensongère ca… M’enfin tous les concurrents sont à peu près pareils, c’est de bonne guerre.

Conclusion

Darty est très compétent dans les services, tant le conseil, les contrats, l’installation que le support, un peu moins dans la maitrise de son réseau (qui n’est pas le sien d’ailleurs) et c’est dommage.

Astuce

Si vous arrivez à prouver que votre débit est à 50% de sa valeur vendue, <15MBits/s au lieu de 30MBits/s, alors c’est possible qu’ils interviennent, mais ca reste à prouver. Je vais tenter l’expérience. Qui ne tente rien n’a rien.

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In many countries, the debit card has overtaken the check as the most common form of payment.  They act as a sort of ATM card for withdrawing cash and as a check-guarantee card.  They allow for the instant withdrawal of cash as well.  Many credit card processing merchants give their customers the option of “cashback” or “cashout” services, allowing the customer to withdraw cash along with his or her purchase. All of these complicated services are too much for the average business owner to deal with, cinsidering all the other things on your plate. Let Credit Card Processor .com take the stress away so you can focus on your business.

info@creditcardprocessor.com

The Banking Code and Standards Board of India (BCSBI) revised the Code of Banks’ Commitment to customers, in consultation with the Reserve Bank of India (RBI) and IBA.

The move will make banking more customer-friendly, as it promises more transparency in banks’ functions and dealing with the consumers.

The reviewed code leads banks to disclose complete information on interest rates, including reference rates to which floating rates of interest are linked.

In addition, banks are also required to display customer centric policies on cheque collection, compensation and grievance redressal on their website.

Besides, they need to provide Most Important Terms & Conditions (MITC) to customers who have applied for credit facilities by way of loan or credit card and also update immediately on website, any changes in terms and conditions of products and services offered.

The banks are also required to compensate customer, apart from these, for delayed collection of cheques and also reimburse erroneous debit from ATM transactions.

RBI’s active interest in raising standards of banking services is in line with the need to improve the customer banking experience and iron out anomalies that impede with customers’ rights.

However, the concerned revisions in the banking code have come after sustained complaints from customers over lack of transparency in certain banking issues.