Wall Street Journal: Bad Laws = Bad Appliances?
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5 years agoBuehl
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decluttering, in the Wall Street Journal
Comments (10)Maryliz, A vendor needs your credit card number for at least a short amount of time. Here's why. You make a purchase. If the purchase is for a service (something you can't return): The vendor accepts your card and the vendor has to get paid. If the card is VISA/MC/AMex etc and the vendor is sophisticated and has good electronic systems, then the vendor electronically transmits your card number and purchase info to their bank which in turn communicates with VISA etc. A credit of the amount of your purchase passes back through the chain and your vendor gets paid. This total process usually happens within a few days. If the vendor swipes your card through the old card reader, they go to the bank in a few days to make a deposit, submit your card number and purchase info and then the process happens under which they get paid by VISA etc. If the non-returnable purchase is made with a store card, then the vendor sends you a bill up to 30 days later. You send your check or electronic payment in. How does the vendor know to apply your payment unless they have the card number? Now say your purchase is for goods. The same VISA/store card process happens. But then say you decide to return the item. The vendor won't be able to "cancel" the original purchase or credit your account unless they have the account number. But, yes, they could swipe the card again; however, that wouldn't tie back to the original purchase because a new transaction number would be applied. Larger companies use this for inventory tracking. In addition, some vendors use customer information (volume of purchases) to determine pricing for that customer...discounts to big customers for example. The transactions don't end and the use of information doesn't stop when you walk out the door....See More'Bad layout' and other dealbreakers
Comments (23)My requirements were so non-traditional and individual that listing them all would serve no purpose :) but I'll do it anyway. In a nutshell we needed a property that suited our breed of dogs- that's half why we moved to a new climate. I needed a yard area large enough to accommodate their size and exercise requirements without all of us having to go off site everyday to keep them well conditioned. Fencing factored into our budget as I needed six feet for the dogs. I needed the dogs to be able to access their indoor living quarters easily and without my going nuts on rainy days. I needed a specific location because I wanted husband to be close to work on snowy days- like biking distance close. He did not have a job when we moved (!) but I knew where I wanted him to work and thankfully they snapped him right up. I wanted a yard to garden in- not pre-gardened but a good blank slate so that I could design it to work with the dogs and not against them. I also needed a good non "yard" area for composting, occasional firewood harvest, and as a buffer zone against close neighbors. I wanted a home that would be extraordinarily economical to operate after we retire- energy efficient doors and windows and insulation and a sensible square footage for two adults. Aside from the operating costs I cared nothing about the number of bedrooms or bathrooms or layout or a snazzy kitchen- I can adapt to those type things quite easily, I find. The property itself was of far greater importance to me than the structure upon it. We ended up with the perfect house in the perfect location with everything I wanted- thankfully the home we bought had a brand spanking new six foot fence. I have a modest 3/1 house- walkout basement with a combination dog park/botanical garden in the back yard and an additional wooded area beyond the fenced zone. I have the smallest house on the largest lot in a highly desirable neighborhood in a top notch school system- there is no way I could ever over improve my home and price it out of the neighborhood. That is important to me because I did that in our last home and we were fortunate to sell at the top of the bubble and more than recoup our investment in landscaping (which was ridiculously high). What makes it all remarkable is that we bought it sight unseen from across the country- the first time I saw my home was when we pulled into the driveway to move in. My family had looked at it and sent me many photos but it was still an enormous leap of faith. I am still shocked daily at what a nice neighborhood and home we find ourselves occupying....See MoreHELP- How Do You Disinfect After Stomach Flu/Virus- BAD!
Comments (32)I had C-diff years ago. In my case the antibiotics I was taking killed the "good" bacteria in my gut and the "bad bacteria" (C-diff) grew in my intestines instead. I understand some people have a really hard time getting their gut back to normal. I think must stomach bugs are some type of Noro virus. I don't think a mask would help http://www.cdc.gov/norovirus/about/overview.html OP-I hope your family is all better...See MoreBad Neighbor vent
Comments (53)Salt, I don’t get your point. We only met one neighbor so far. And I only said he was strange, I didn’t say he had problems at all. Where did you get that all my neighbors had problems? I haven’t met them yet. Most of neighbors have a huge light on a tall pole. I went with solar lights for the patios and decks it’s just easier and faster to have some extra lights. What’s wrong with that? They are clear lights, not red or green. I like the look, pretty cheerful. People have strings lights on their patios and decks all year round, I am not the first one for doing that....See MoreTHOR, Son of ODIN
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