LilB0kChoy

Thank you! I fixed it. That little mistake really changes the message.

Too many people don’t know what true American cheese is. If you’ve had Kraft Deli Selects then you haven’t had real American Cheese. All the others are an American cheese product.

Get some American from an actual deli counter and it’s really good!

What is a short hike vs. a long hike?

I take our 2 dogs for 3-6 miles M-F in the morning. They’ll sleep pretty good until dinner time but then they’re basically ready to go again.

I was mostly being facetious, I try not to use Amazon. My wife does off and on and has used a free trial 3-4 times a year.

The trials are 30 days (in the US) and years ago, 4-5, I would just use a throwaway email and do a new trial every 30 days to keep Prime. Not sure if they guard against that at all now or not.

I always sign up for the free Prime trials just so I can get the satisfaction of cancelling.

Your comment doesn’t really answer my question. Do they actually send a SWAT team?

I don’t really care about how they are armed. Is it called swatting because a SWAT team is deployed, or is it because that happened once or sometimes but it’s not always the case?

Do they actually send a SWAT team? I just assumed that was the term but they actually just trigger a high priority multi officer response based on what they say.

I second this and would add that if you’re a frequent user than go for the OmniVap.

I have a couple OmbiVaps and the M+ I started with. I like the M+, especially if it’s on the go but most of my use is at home and the Omni is better overall.

I have two ispire wands, one next to the couch (this is the on the go one if I travel) and another down next to the bed. We like to watch tv in bed before sleeping so when we go I throw my OmniVap in the stash case and take it with me.

I’d also recommend Dose Caps. I have a bunch from VGoodieZ. I fill a bunch at once and keep them in a tin for quick and easy reload.

Yeah but he screwed up the quotes again. Should be:

Any lawyer who takes a TRUMP CASE is either CRAZY, or a ‘TRUE AMERICAN PATRIOT’

You comment on a news article about Americans and credit cards and argue your opinion which has nothing to do with Americans or their credit cards.

In context your supporting statements for your opinion are factually wrong. You also have yet to explain your original comment.

Your reply and those under you are listing why credit cards are the better choice, however I wonder if they all know they are being played.

The slang term played usually means that you have been outwitted or used as a pawn.

How are they being played?

Those that use their credit card and pay it off in full are subsidized by the number of people that spend beyond their means.

How are they being subsidized?

I’ll be flabbergasted if you can answer either of those questions in any way that makes sense in the context of Americans and their credit cards.

I hope you learned something because I’m pretty sure your spurious statements have made me dumber.

Banks receive a marginally increased interchange fee (~0.1%)

interchange fees for cards are so similar? Or is that 0.1% the big deal?

Back this up because they are not similar. Credit cards charge higher interchange fees and the more people you have using your card, the more you're making in fees. Seems like an incentive to try and get someone to use your credit card instead of a debit.

Banks incentivise the crap out of credit cards

Every for profit company tries to incentivize their product. I know there are grocery stores in the UK. When they run a sale, promotion, or discount like I've seen posted online for items close to expiration they are incentivizing the purchase of that product.

You made a claim that people who use cards responsibly and take advantage of rewards programs are being "played". How? You also seem to blame-shift the choices of those who spend beyond their means to those who don't. A person chooses to apply for a card, a person chooses to use that card, a person chooses to spend more than they can afford. That choice is on the individual making it, not some other person who doesn't make bad choices.

Debit and credit cards have their benefits and drawbacks but either is a viable choice when used responsibly and a bad choice when used irresponsibly. The thing you're upset with is poor banking regulation, not responsible card owners. The fact that a bank can charge multiple $10, $20, $30 dollar overdraft fees on a debit OR usurious interest rates is an example of a private entity not being kept in check and being allowed to exploit people.

Receiving a service for free means it is subsidized.

It’s not free. It costs an interchange fee, just like a debit card. That’s not paid by users of the card. At most it’s “subsidized” by the business, or maybe everyone if those interchange fees are built into the product price, in which case the card user is indirectly paying for it.

I'm sorry, you have mistaken me for an American

Almost like banking regulation isn’t universal, making your claims ambiguous rather than outright wrong. Especially without any supporting evidence to your claims.

You have yet to convince me that.

Ok, whether you’re convinced doesn’t change the fact your statements are wrong.

It is obvious that banks have the ability to make more off their users bad choices when using credit cards than they do debit cards.

Prove it. Many banks (in the US) charge exorbitant overdraft fees that make them billions and f dollars a year.

Just because you and I are capable of managing our funds well, isn't the case accross all.

Explain how one persons inability to manage their finances is the responsibility of someone who manages theirs responsibly? Banks engage in plenty of dubious, and sometimes outright illegal, activities. Blaming them because an individual doesn’t have the common sense to spend more on a credit card than they have is patently ridiculous.

I worked for a UK bank for 4 years (2004-2008), however the opinion I am portraying here doesn't need any inside knowledge, its just common sense.

Opinion. Your opinion isn’t in question. The statements you make to support it, without any evidence, are. You seem to think that when you have an opinion any claim you make around that can just be supported by how you feel.

You know what’s just common sense? Understanding that if you have X amount of money, spending X+1 on a credit card is a poor choice because you can’t pay it. That’s personal responsibility and trying to pass that responsibility on to people who are “being played” by not doing that is blame-shifting.