I was looking forward to getting a 3 page manual that explains what epilepsy is and that I need to close all of my background apps for optimal performance. THANKS ALOT VALVE.
<!--quoteo(post=1628200:date=May 21 2007, 02:03 AM:name=lolfighter)--><div class='quotetop'>QUOTE(lolfighter @ May 21 2007, 02:03 AM) [snapback]1628200[/snapback]</div><div class='quotemain'><!--quotec--> You assume anyone old enough to have a credit card actually wants and has one, Kassinger. <!--QuoteEnd--></div><!--QuoteEEnd--> That's like saying
"you assume everyone who is old enough to cross the street actually wants to"
A credit card is just part of the basic requirements of adult life these days. Just be sure to use it sparingly if you fear it's power.
<!--quoteo(post=1628210:date=May 21 2007, 12:38 AM:name=Swiftspear)--><div class='quotetop'>QUOTE(Swiftspear @ May 21 2007, 12:38 AM) [snapback]1628210[/snapback]</div><div class='quotemain'><!--quotec--> That's like saying
"you assume everyone who is old enough to cross the street actually wants to"
A credit card is just part of the basic requirements of adult life these days. Just be sure to use it sparingly if you fear it's power. <!--QuoteEnd--></div><!--QuoteEEnd-->
Outside of online purchases, what do you NEED a credit card for?
<!--quoteo(post=1628239:date=May 21 2007, 06:42 AM:name=Testament)--><div class='quotetop'>QUOTE(Testament @ May 21 2007, 06:42 AM) [snapback]1628239[/snapback]</div><div class='quotemain'><!--quotec--> Outside of online purchases, what do you NEED a credit card for? <!--QuoteEnd--></div><!--QuoteEEnd-->
First of all, Debit card > Credit card.
I used my debit ALL the time. I hardly ever carry much cash with me so if I need to buy some food or something I can just whip out my card and do that.
<!--quoteo(post=1628239:date=May 21 2007, 05:42 AM:name=Testament)--><div class='quotetop'>QUOTE(Testament @ May 21 2007, 05:42 AM) [snapback]1628239[/snapback]</div><div class='quotemain'><!--quotec--> Outside of online purchases, what do you NEED a credit card for? <!--QuoteEnd--></div><!--QuoteEEnd-->
Ensure your family has a lifelong history of debt, and more to come. <img src="style_emoticons/<#EMO_DIR#>/tounge.gif" style="vertical-align:middle" emoid=":p" border="0" alt="tounge.gif" />
Having a credit card that you don't treat badly (that is, you keep it paid off) builds up your credit history so when you need a loan for something, you're much more likely to get it. If you've just been paying cash up until then, people are less likely to loan you money. They don't know if you're responsible.
KassingerShades of greyJoin Date: 2002-02-20Member: 229Members, Constellation
You can use debit cards to pay for Steam games too. I'm not saying that you need a credit card, but you should at least have a debit card. <img src="style_emoticons/<#EMO_DIR#>/wink-fix.gif" style="vertical-align:middle" emoid=";)" border="0" alt="wink-fix.gif" />
<!--quoteo(post=1628295:date=May 21 2007, 10:42 AM:name=lolfighter)--><div class='quotetop'>QUOTE(lolfighter @ May 21 2007, 10:42 AM) [snapback]1628295[/snapback]</div><div class='quotemain'><!--quotec--> I've got a debit card. Steam doesn't accept it. <!--QuoteEnd--></div><!--QuoteEEnd-->
I've got a debit card. Steam did accept it!
I guess Im just lucky!
Though, yeah, having a debit card tied to your bank account is a good idea, even if you never use it. It's not like it's costing you extra or anything. You never know when you might need it.
I would think it would be a bad idea to have a debit card tied to your main account. Too easy to have your account drained should you lose your debit card.
<!--quoteo(post=1628290:date=May 21 2007, 03:29 PM:name=TychoCelchuuu)--><div class='quotetop'>QUOTE(TychoCelchuuu @ May 21 2007, 03:29 PM) [snapback]1628290[/snapback]</div><div class='quotemain'><!--quotec--> Having a credit card that you don't treat badly (that is, you keep it paid off) builds up your credit history so when you need a loan for something, you're much more likely to get it. If you've just been paying cash up until then, people are less likely to loan you money. They don't know if you're responsible. <!--QuoteEnd--></div><!--QuoteEEnd-->
But it is responsible to pay extra on top of those good you've already purchased?
<!--quoteo(post=1628298:date=May 21 2007, 10:59 AM:name=KungFuDiscoMonkey)--><div class='quotetop'>QUOTE(KungFuDiscoMonkey @ May 21 2007, 10:59 AM) [snapback]1628298[/snapback]</div><div class='quotemain'><!--quotec--> I would think it would be a bad idea to have a debit card tied to your main account. Too easy to have your account drained should you lose your debit card. <!--QuoteEnd--></div><!--QuoteEEnd-->
Eh, It's pretty easy to cancel a debit card if you realise it's been stolen fast enough. And even if the person manages to spend some of your money, most banks are pretty good about refunding it.
AbraWould you kindlyJoin Date: 2003-08-17Member: 19870Members
<!--quoteo(post=1628198:date=May 21 2007, 08:41 AM:name=Warrior)--><div class='quotetop'>QUOTE(Warrior @ May 21 2007, 08:41 AM) [snapback]1628198[/snapback]</div><div class='quotemain'><!--quotec--> I was looking forward to getting a 3 page manual that explains what epilepsy is and that I need to close all of my background apps for optimal performance. THANKS ALOT VALVE. <!--QuoteEnd--></div><!--QuoteEEnd-->
Game manuals can be fun, and disturbing. I got a badly translated manual for a EA game which, litterally, told me to hurt myself. I cracked it to be "turn the page..." or something similar.
<!--quoteo(post=1628562:date=May 22 2007, 03:06 PM:name=Abra)--><div class='quotetop'>QUOTE(Abra @ May 22 2007, 03:06 PM) [snapback]1628562[/snapback]</div><div class='quotemain'><!--quotec--> Game manuals can be fun, and disturbing. I got a badly translated manual for a EA game which, litterally, told me to hurt myself. I cracked it to be "turn the page..." or something similar. <!--QuoteEnd--></div><!--QuoteEEnd-->
Oh, no, you've got it wrong. That was not a bad translation. EA actually wants you to hurt yourself. They've stopped conceling their desire to harm their fellow human being these past few years. Now they just out and out say it. Their employees get a bonus if they cripple someone on the street with a bat.
douchebagatronCustom member titleJoin Date: 2003-12-20Member: 24581Members, Constellation, Reinforced - Shadow
im sure there wont be any problem with a lack of ns2 servers, just like theres not a lack of servers for just about any mod around. in fact most mods have a 1:1 server to player ratio, or something near it.
<!--quoteo(post=1628239:date=May 21 2007, 05:42 AM:name=Testament)--><div class='quotetop'>QUOTE(Testament @ May 21 2007, 05:42 AM) [snapback]1628239[/snapback]</div><div class='quotemain'><!--quotec--> Outside of online purchases, what do you NEED a credit card for? <!--QuoteEnd--></div><!--QuoteEEnd--> Need, maby not. But it's a godsend when you have to juggle debts around.
<!--quoteo(post=1627764:date=May 20 2007, 01:09 AM:name=Align)--><div class='quotetop'>QUOTE(Align @ May 20 2007, 01:09 AM) [snapback]1627764[/snapback]</div><div class='quotemain'><!--quotec--> Well, I guess I won't have to buy Ep1 separately then. Still haven't gotten around to that. <!--QuoteEnd--></div><!--QuoteEEnd-->
same <img src="style_emoticons/<#EMO_DIR#>/biggrin-fix.gif" style="vertical-align:middle" emoid=":D" border="0" alt="biggrin-fix.gif" />
<!--quoteo(post=1628604:date=May 22 2007, 06:23 PM:name=SmoodCroozn)--><div class='quotetop'>QUOTE(SmoodCroozn @ May 22 2007, 06:23 PM) [snapback]1628604[/snapback]</div><div class='quotemain'><!--quotec--> You know, you all can make servers for NS2 with those extra keys... <!--QuoteEnd--></div><!--QuoteEEnd-->
No you can't. NS2 is standalone. No HL2 involvement at all.
ThansalThe New ScumJoin Date: 2002-08-22Member: 1215Members, Constellation
@lolf: If your Debit card has a Visa or MasterCard logo on it you should be able to use it as a CC. If it doesn't, get a better checkign account <img src="style_emoticons/<#EMO_DIR#>/smile-fix.gif" style="vertical-align:middle" emoid=":)" border="0" alt="smile-fix.gif" />
@Testament: Credit Cards are for: 1) Building credit so that when you want to buy a house (or need a loan for anything else), you can do it. 2) For emergencies, and quick loans of cash (busted your leg? insurance wont cover it? need a loan? You already have one) 3) To make money. Let us say you spend $100 per month for a year. Normaly you would spend that in cash or debit (instantly leaves your accounts however it is done). With a credit card, that $100 can stay in your savings account (making 5% or so interest) for the month. At the end of the year that is $5 in your pocket.
Now when you are dealing with $1000 a month that is $50, 10K? 100K? what ever. It lets you keep on making interest on money that you have already spent.
there are also other usses for CCs: Liveing above your means (buying that shiney new car you shouldn't be able to affoard) Be reckless with money. Creat debt for your self.
ThansalThe New ScumJoin Date: 2002-08-22Member: 1215Members, Constellation
<!--quoteo(post=1628904:date=May 24 2007, 06:09 AM:name=Testament)--><div class='quotetop'>QUOTE(Testament @ May 24 2007, 06:09 AM) [snapback]1628904[/snapback]</div><div class='quotemain'><!--quotec--> On the money: don't credit cards also build up "negative" interest? ie: you pay more than you actually paid. <!--QuoteEnd--></div><!--QuoteEEnd-->
only if: 1) You don't pay off your bill at the end of the month OR 2) You get a CC with a monthly Fee (there are plenty with out)
<!--quoteo(post=1628750:date=May 23 2007, 07:10 PM:name=Thansal)--><div class='quotetop'>QUOTE(Thansal @ May 23 2007, 07:10 PM) [snapback]1628750[/snapback]</div><div class='quotemain'><!--quotec--> 3) To make money. Let us say you spend $100 per month for a year. Normaly you would spend that in cash or debit (instantly leaves your accounts however it is done). With a credit card, that $100 can stay in your savings account (making 5% or so interest) for the month. At the end of the year that is $5 in your pocket.<!--QuoteEnd--></div><!--QuoteEEnd-->
ThansalThe New ScumJoin Date: 2002-08-22Member: 1215Members, Constellation
edited May 2007
<!--quoteo(post=1629167:date=May 25 2007, 07:10 AM:name=Thaldarin)--><div class='quotetop'>QUOTE(Thaldarin @ May 25 2007, 07:10 AM) [snapback]1629167[/snapback]</div><div class='quotemain'><!--quotec--> <!--quoteo(post=1628750:date=May 23 2007, 02:10 PM:name=Thansal)--><div class='quotetop'>QUOTE(Thansal @ May 23 2007, 02:10 PM) [snapback]1628750[/snapback]</div><div class='quotemain'><!--quotec--> 3) To make money. Let us say you spend $100 per month for a year. Normaly you would spend that in cash or debit (instantly leaves your accounts however it is done). With a credit card, that $100 can stay in your savings account (making 5% or so interest) for the month. At the end of the year that is $5 in your pocket. <!--QuoteEnd--></div><!--QuoteEEnd--> Wow you get so much back on that! <!--QuoteEnd--></div><!--QuoteEEnd-->
Selectivly quoting FTL
<!--quoteo(post=1628750:date=May 23 2007, 02:10 PM:name=Thansal)--><div class='quotetop'>QUOTE(Thansal @ May 23 2007, 02:10 PM) [snapback]1628750[/snapback]</div><div class='quotemain'><!--quotec--> 3) To make money. Let us say you spend $100 per month for a year. Normaly you would spend that in cash or debit (instantly leaves your accounts however it is done). With a credit card, that $100 can stay in your savings account (making 5% or so interest) for the month. At the end of the year that is $5 in your pocket.
Now when you are dealing with $1000 a month that is $50, 10K? 100K? what ever. It lets you keep on making interest on money that you have already spent. <!--QuoteEnd--></div><!--QuoteEEnd-->
I was working with small numbers because they are nice.
How much do you pay for Gas/Metrocard/railcard/whatever a month? (I drop around $60-80 on my metrocard a month). Howmuch on Food? (Groceries, eating out, etc) (over $100) Cell Phone? (actualy your cellphone IS a line of credit much like a CC, just with limited thigns you can buy) ($33) Gym? Netflix? WoW? Cable/Satelite/DSL? etc etc
Sure, for an 18 yr old living at home (or being supported at college) your bills are not that high, but things change, and any extra $$ is welcome (hey, if I get $15 back that pays for an MMO for a month, or trip to the movies).
Oh, don't forget incentives. a Feeless card that gives you 1% of your money spent in goods/services (or if you have a good card, in $$) then that $100 gives your $6, now multiply by powers of 10.
A feeless card which will give you back that much profit every year I don't believe. If that was the case then the credit card company would go broke because everyone spending large amounts would have so much of an incentive not to take on board a serious amount of debt in order to get their extra large payout just for being a good customer.
I come from an area where selective hearing is active, so selective quoting wins <img src="style_emoticons/<#EMO_DIR#>/tounge.gif" style="vertical-align:middle" emoid=":p" border="0" alt="tounge.gif" />
ThansalThe New ScumJoin Date: 2002-08-22Member: 1215Members, Constellation
/me stabs <b>Thaldarin</b> in the FAEC
Credit Card companys make money b/c people are stupid. It doesn't take THAT many people going into credit card debt to make up for a large number of people who are good about making their payments.
Also, you are right, most feeless cards will not give you back 1% in cash, they will give it to you in points (be it frequent flyer miles, money for LL Bean, or what ever). Remember, that 5% is the amount you are making by having wise investments that you get to power with money you have already "spent".
CC companies also make a lot of money from the companies you buy stuff from, even if you pay off your cards religiously every month. A store can't just suddenly decide to take Credit payments on their own, they have to make a business deal with the Credit Card companies first, which usually states something like "for every dollar charged in your store, we'll send you 98 cents, and keep the last 2 cents as a transaction fee". If they're charging 2% in fees, and offering you 1% cash back, they're still making money. Now if they can get you to go into debt and pay a 26% default interest rate on top of that, now they're making <i>serious</i> money. <img src="style_emoticons/<#EMO_DIR#>/wow.gif" style="vertical-align:middle" emoid=":0" border="0" alt="wow.gif" />
Comments
You assume anyone old enough to have a credit card actually wants and has one, Kassinger.
<!--QuoteEnd--></div><!--QuoteEEnd-->
That's like saying
"you assume everyone who is old enough to cross the street actually wants to"
A credit card is just part of the basic requirements of adult life these days. Just be sure to use it sparingly if you fear it's power.
That's like saying
"you assume everyone who is old enough to cross the street actually wants to"
A credit card is just part of the basic requirements of adult life these days. Just be sure to use it sparingly if you fear it's power.
<!--QuoteEnd--></div><!--QuoteEEnd-->
Outside of online purchases, what do you NEED a credit card for?
Outside of online purchases, what do you NEED a credit card for?
<!--QuoteEnd--></div><!--QuoteEEnd-->
First of all, Debit card > Credit card.
I used my debit ALL the time. I hardly ever carry much cash with me so if I need to buy some food or something I can just whip out my card and do that.
Outside of online purchases, what do you NEED a credit card for?
<!--QuoteEnd--></div><!--QuoteEEnd-->
Ensure your family has a lifelong history of debt, and more to come. <img src="style_emoticons/<#EMO_DIR#>/tounge.gif" style="vertical-align:middle" emoid=":p" border="0" alt="tounge.gif" />
I've got a debit card. Steam doesn't accept it.
<!--QuoteEnd--></div><!--QuoteEEnd-->
I've got a debit card. Steam did accept it!
I guess Im just lucky!
Though, yeah, having a debit card tied to your bank account is a good idea, even if you never use it. It's not like it's costing you extra or anything. You never know when you might need it.
Having a credit card that you don't treat badly (that is, you keep it paid off) builds up your credit history so when you need a loan for something, you're much more likely to get it. If you've just been paying cash up until then, people are less likely to loan you money. They don't know if you're responsible.
<!--QuoteEnd--></div><!--QuoteEEnd-->
But it is responsible to pay extra on top of those good you've already purchased?
I would think it would be a bad idea to have a debit card tied to your main account. Too easy to have your account drained should you lose your debit card.
<!--QuoteEnd--></div><!--QuoteEEnd-->
Eh, It's pretty easy to cancel a debit card if you realise it's been stolen fast enough. And even if the person manages to spend some of your money, most banks are pretty good about refunding it.
I was looking forward to getting a 3 page manual that explains what epilepsy is and that I need to close all of my background apps for optimal performance. THANKS ALOT VALVE.
<!--QuoteEnd--></div><!--QuoteEEnd-->
Game manuals can be fun, and disturbing.
I got a badly translated manual for a EA game which, litterally, told me to hurt myself. I cracked it to be "turn the page..." or something similar.
Game manuals can be fun, and disturbing.
I got a badly translated manual for a EA game which, litterally, told me to hurt myself. I cracked it to be "turn the page..." or something similar.
<!--QuoteEnd--></div><!--QuoteEEnd-->
Oh, no, you've got it wrong. That was not a bad translation. EA actually wants you to hurt yourself. They've stopped conceling their desire to harm their fellow human being these past few years. Now they just out and out say it. Their employees get a bonus if they cripple someone on the street with a bat.
Outside of online purchases, what do you NEED a credit card for?
<!--QuoteEnd--></div><!--QuoteEEnd-->
Need, maby not. But it's a godsend when you have to juggle debts around.
Well, I guess I won't have to buy Ep1 separately then. Still haven't gotten around to that.
<!--QuoteEnd--></div><!--QuoteEEnd-->
same <img src="style_emoticons/<#EMO_DIR#>/biggrin-fix.gif" style="vertical-align:middle" emoid=":D" border="0" alt="biggrin-fix.gif" />
You know, you all can make servers for NS2 with those extra keys...
<!--QuoteEnd--></div><!--QuoteEEnd-->
No you can't. NS2 is standalone. No HL2 involvement at all.
@Testament:
Credit Cards are for:
1) Building credit so that when you want to buy a house (or need a loan for anything else), you can do it.
2) For emergencies, and quick loans of cash (busted your leg? insurance wont cover it? need a loan? You already have one)
3) To make money.
Let us say you spend $100 per month for a year.
Normaly you would spend that in cash or debit (instantly leaves your accounts however it is done).
With a credit card, that $100 can stay in your savings account (making 5% or so interest) for the month.
At the end of the year that is $5 in your pocket.
Now when you are dealing with $1000 a month that is $50, 10K? 100K? what ever. It lets you keep on making interest on money that you have already spent.
there are also other usses for CCs:
Liveing above your means (buying that shiney new car you shouldn't be able to affoard)
Be reckless with money.
Creat debt for your self.
On the money: don't credit cards also build up "negative" interest? ie: you pay more than you actually paid.
<!--QuoteEnd--></div><!--QuoteEEnd-->
only if:
1) You don't pay off your bill at the end of the month
OR
2) You get a CC with a monthly Fee (there are plenty with out)
3) To make money.
Let us say you spend $100 per month for a year.
Normaly you would spend that in cash or debit (instantly leaves your accounts however it is done).
With a credit card, that $100 can stay in your savings account (making 5% or so interest) for the month.
At the end of the year that is $5 in your pocket.<!--QuoteEnd--></div><!--QuoteEEnd-->
Wow you get so much back on that!
<!--quoteo(post=1628750:date=May 23 2007, 02:10 PM:name=Thansal)--><div class='quotetop'>QUOTE(Thansal @ May 23 2007, 02:10 PM) [snapback]1628750[/snapback]</div><div class='quotemain'><!--quotec-->
3) To make money.
Let us say you spend $100 per month for a year.
Normaly you would spend that in cash or debit (instantly leaves your accounts however it is done).
With a credit card, that $100 can stay in your savings account (making 5% or so interest) for the month.
At the end of the year that is $5 in your pocket.
<!--QuoteEnd--></div><!--QuoteEEnd-->
Wow you get so much back on that!
<!--QuoteEnd--></div><!--QuoteEEnd-->
Selectivly quoting FTL
<!--quoteo(post=1628750:date=May 23 2007, 02:10 PM:name=Thansal)--><div class='quotetop'>QUOTE(Thansal @ May 23 2007, 02:10 PM) [snapback]1628750[/snapback]</div><div class='quotemain'><!--quotec-->
3) To make money.
Let us say you spend $100 per month for a year.
Normaly you would spend that in cash or debit (instantly leaves your accounts however it is done).
With a credit card, that $100 can stay in your savings account (making 5% or so interest) for the month.
At the end of the year that is $5 in your pocket.
Now when you are dealing with $1000 a month that is $50, 10K? 100K? what ever. It lets you keep on making interest on money that you have already spent.
<!--QuoteEnd--></div><!--QuoteEEnd-->
I was working with small numbers because they are nice.
How much do you pay for Gas/Metrocard/railcard/whatever a month? (I drop around $60-80 on my metrocard a month).
Howmuch on Food? (Groceries, eating out, etc) (over $100)
Cell Phone? (actualy your cellphone IS a line of credit much like a CC, just with limited thigns you can buy) ($33)
Gym? Netflix? WoW? Cable/Satelite/DSL? etc etc
Sure, for an 18 yr old living at home (or being supported at college) your bills are not that high, but things change, and any extra $$ is welcome (hey, if I get $15 back that pays for an MMO for a month, or trip to the movies).
Oh, don't forget incentives. a Feeless card that gives you 1% of your money spent in goods/services (or if you have a good card, in $$) then that $100 gives your $6, now multiply by powers of 10.
I come from an area where selective hearing is active, so selective quoting wins <img src="style_emoticons/<#EMO_DIR#>/tounge.gif" style="vertical-align:middle" emoid=":p" border="0" alt="tounge.gif" />
Credit Card companys make money b/c people are stupid. It doesn't take THAT many people going into credit card debt to make up for a large number of people who are good about making their payments.
Also, you are right, most feeless cards will not give you back 1% in cash, they will give it to you in points (be it frequent flyer miles, money for LL Bean, or what ever). Remember, that 5% is the amount you are making by having wise investments that you get to power with money you have already "spent".
CCs are good.
CCs are dangerous.
I actualy DON'T use a CC, though I should.