yes the old ones will not read the newer SDHC cards just go buy a usb card reader that will take SDHC cards they are very cheap, I picked one up at Big Lots for $6 and one at walmart for under $10. Just make sure it lists SDHC on the list of what it will use. It just plugs into your usb port when you need to use it. I would not worry with installing one since these are so easy to get and cheap.Just make sure it uses usb2.0 there are tons of them on amazon from $2 up.

Also when you download the design onto the programmable card you do have the choice to rename it to something you can recognize. I agree about printing out the designs, also if they are free designs I always stitch them out on muslin to make sure I like it, that the colors are what I want and that the digitizing looks good. You can always save the stitched out samples and use them on something like a t-shirt or sweatshirt or even start a quilt! Pat

Greg H, Your message tells me how you are managing ... debt. Wisely, yes. To your advantage, yes. It's still ... debt. D-E-B-T - a four-letter word! Cut it whatever way you like, it's still debt. Which can be become a *serious* problem when it's misused. That you are obligated to pay - even if you get a temporary lay-off, or with certain specific skills no longer in demand, a pretty well permanent one, or suffer permanent disability, or have a kid who subsequently develops a need for $50,000. worth of uninsured medical care - or even die. There's only one way you can avoid it - go bankrupt. Which steals from other folks who gave you services in good faith, from which you walked away. Some do that several times - walk away ... smiling. The message was, as I said earlier, not directed to the likes of you or people anywhere near as smart as you when it comes to managing money. Like, maybe, your friend's kid who, though s/he was in college, wasn't too smart when it came to money management. A local Canadian financial consultant complains that they don't teach much about it in school. If the corporations, including the financial ones, get their feet more heavily into the schools, there'll probably be even less. In his book, he offers advice on how to make a rate of return of 40% or better on your money - guaranteed. Proviso - you can only make that (before-tax) rate on store-issued credit cards whose balance you pay off. Maybe, had your friend's offspring not been willing to pay attention to his/her parent, as being out of the dark ages when it came to instructions as to wise ways to live, s/he'd have listened to you had you offered some advice. The reason for making the point about it actually being a debt that was being incurred when you use the card was to try to get some people who know much less than you about money management to begin to think about it somehat differently. The point of the message was to show them how they might reduce their cost somewhat if they followed a different pattern than some may have started through following the easy path of signing up for a store-issued card. I approached it with some trepidation, for I was advising ... taking out an additional card. Which could (too?) easily have a major debt run up on it, as well - leaving the holder in a deeper hole than previously. Should I become aware of that result springing from advice which I had given, it would trouble me greatly. Much more concerned than I was about complaints such as yours - which I hear about half of the time that I make this point. By the way - you didn't say that I was wrong - you just said that everybody does it, right? By the way, elsewhere in the message, when I was not dealing with the specific issue of the debt aspect of the card, I referred to them without using the quotation marks. Your country - government and people - is drowning in debt. And digging the hole deeper, daily. The "value" of your dollar is dropping - had you noticed? Good wishes to you for wise management of your money - and assets, Greg. ole joyful

So the customer is actually paying that extra percentage, not the merchant. But ... the customer has to make more money in order to cover the cost of that extra percentage ... so the customer's employer is actually paying that extra percentage. But ... the employer will have to make more money in order to pay his employee more, so the employer will have to charge more for his company's services. And so on and so on. :) In other words, who is ultimately paying is irrelevant. The fact is, you pay the same at the store whether you are using cash, credit with no cash back, or credit with cash back. So the individual is better off using a card that has the max cash back. The person who pays cash is on the losing end of the deal. And all of this is irrelevant to the original question. :) destruct05, I think you've probably already found the best options. Go for the one that you feel best with.