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Dangerous Places to Use a Debit Card

Monday, Jan, 18 2016

Debit cards are a fast, convenient way to pay with just a swipe and still live within your means. You don't have to carry wads of cash and you avoid piling up credit card debt. But there are some places you should never use a debit card. Why? It's too dangerous. Debit and credit card transactions may look the same at the checkout counter, but they are processed differently. Federal law stipulates that an individual's liability for fraudulent use of his or her credit card is capped at $50. The law is more complicated for debit card transactions, depending on when you report a missing card and whether it has been used fraudulently. Your liability ranges from nothing to paying for all unauthorized transactions. To protect your checking account balance, beware using a debit card in these three places simply because the likelihood of having your card information stolen is far greater, reports CBS News.
1. Online shopping sites
While most online shopping sites are secure, some of have been compromised -- and you may not be able to tell the difference. Also, certain types of PC viruses can capture your credit card information as you type it even on secure shopping sites.

2. Restaurants
After you finish your meal, you tuck your debit card into the folder with the bill and hand it to the server. And then the server disappears to process the bill. Your debit card is now out of your sight, and you have to trust the honesty of that server, who could easily steal your information--and it could be a while before you figure it out.

3. Gas station pumps
You pull up to the pump, swipe your debit card and start filling the tank. When you're done, you grab the receipt and go. Stop right there. When you swiped the debit card, the gas station computers contacted your bank's computers for authorization. Because the gas station doesn't know how much gas you will purchase -- this happens before you even activate the pump -- the gas station seeks authorization for a large amount, such as $75. Even if you only purchased $25 of gas, that extra $50 could be "on hold" for several days. That means you don't have access to your own money. It could be worse. Gas stations are frequent targets of criminals who rig up devices to the pumps to capture credit card and debit card information as the cards are swiped. It's called skimming, and it can cost you big bucks if you're using a debit card.

posted by: Kathy Keene 4 month(s) ago Comment On This Post

Facts About Lefties

Friday, Jan, 15 2016

Between 10 percent and 12 percent of the world population is left-handed, and scientists have no idea why! It could be genetic. There are no obvious differences between those who are right-handed and those who are left-handed, we do know that lefties tend to excel at visual and spatial tasks and seem to be overrepresented among geniuses, reports What makes southpaws special? Here are ten facts:
1. Just as humans favor one hand over the other, animals also favor one paw over another. But unlike humans, which paw is favored is split about 50-50.
2. Although there is likely a genetic component involved in handedness, environment is also important. For example, researchers have found that identical twins often have different dominant hands.
3. Studies have found that southpaws have higher rates of dyslexia, schizophrenia and autoimmune diseases, such as allergies and lupus.
4. Males are overrepresented among lefties, so some scientists theorize that exposure to testosterone in the womb may affect handedness.
5. Many geniuses and leaders are lefties. Albert Einstein, Benjamin Franklin, Isaac Newton and Charles Darwin were all southpaws, as well as eight U.S. presidents: James A. Garfield, Herbert Hoover, Harry S Truman, Gerald Ford, Ronald Reagan, George H.W. Bush, Bill Clinton and Barack Obama. Fully 25 percent of the Apollo astronauts were left-handed.
6. Lefties tend to excel in fields that require excellent visual-spatial abilities, including architecture and graphic design, but are underrepresented in math and science.
7. Being left-handed can be an advantage in a fistfight when a surprise left hook can be a decided benefit. As many as 45 percent of expert fencers and tennis champions are lefties.
8. Lefties may have a more balanced view of their bodies. Right-handed people are more sensitive to their right side; for example, their right arm is typically stronger and larger. Left-handed people don't have a similar bias; for example, their arms are equally strong.
9. Mothers who are over 40 at the time of a child's birth are 128 percent more likely to have a left-handed baby than a woman in her 20s.
10. August 13 is Left-Handers Day, which celebrates left-handedness and raises awareness of the difficulties and frustrations lefties endure in a right-handed world.

posted by: Kathy Keene 4 month(s) ago Comment On This Post

Who is the Greatest Sports Star?

Thursday, Jan, 14 2016

The debate is as legendary as the athletes themselves. Who is the greatest sports star of all time? The answer is definitive: Michael Jordan. That's the word from The Harris Poll, which surveyed 2,368 U.S. adults nationwide. Jordan was followed on this list of greatest athletes by Babe Ruth and Muhammad Ali.
The top 10 greatest athletes of all time:
1. Michael Jordan (basketball)
2. Babe Ruth (baseball)
3. Muhammad Ali (boxing)
4. Serena Williams (tennis)
5. Peyton Manning (football)
6. Joe Montana (football)
7. LeBron James (basketball)
8. Tiger Woods (golf)
9. Tom Brady (football)
10. Wayne Gretzky (hockey)
The last time this poll was conducted was in 2009. Between then and now, the following athletes fell off the top 10 list: Brett Favre (previously in fifth place), Ted Williams (previously tied for 8th place) and Hank Williams (previously tied for 10th place). New to the list in 2016 are Serena Williams and Tom Brady. Men agree that Babe Ruth is number two, while women lean towards Serena Williams for second place. Men and women agree that Muhammad Ali ranks third. Among generations, Millennials rank LeBron James second, followed by Serena Williams, while Gen Xers and Baby Boomers both rank Muhammad Ali and Babe Ruth as second and third respectively. Matures rank Michael Jordan second and Joe Montana third.

posted by: Kathy Keene 4 month(s) ago Comment On This Post

Did You Know?

Wednesday, Jan, 13 2016

• In the first year of a baby's life their picture will be taken nearly 800 times.
• In a recent survey that asked people, "What is the most stressful thing you have ever experienced?," buying or selling a house was number one.
• The average adult only goes for a swim about a dozen times a year.
• The average teenage girl slams a door about 150 times a year.
• 62% of women wouldn't date a guy who had a ponytail.

posted by: Kathy Keene 4 month(s) ago Comment On This Post

Brett Favre's Family Chili Recipe

Thursday, Jan, 7 2016

½ cup chopped green onions
2 green peppers, chopped
2 celery stalks, chopped
1 small onion, chopped
2 cloves garlic, minced
4 T. butter
1-1/2 lbs. ground beef
Salt and pepper to taste
Tony Chachere’s seasoning to taste (Some seasoning from down south.  Don't think you need it)
Chili powder to taste
1 pkg. McCormick chili seasoning
8 oz. can Hunt’s diced tomatoes
8 oz. can Hunt’s diced roasted garlic tomatoes
8 oz. can Rotel diced tomatoes and green chilies
1 can cream of mushroom soup
1 can kidney beans

Saute green onions, peppers, celery, onion and garlic in butter.  Brown ground beef with salt, pepper, Tony’s Chachere’s seasoning and chili powder.  Drain.  Combine meat with vegetables.  Stir and simmer 10 minutes.  Stir in chili seasoning packet.  Add canned tomatoes, cream of mushroom soup and kidney beans.  Bring to a boil and reduce heat, cover and simmer 30 minutes.  Serves 6 to 8.  Optional:  Serve with green onions, jalapeno peppers, grated Cheddar cheese and/or corn chips as Frito pie.

posted by: Kathy Keene 4 month(s) ago Comment On This Post

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