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Enjoy the ride

Enjoy the ride

(3:01) Thought-provoking and potentially life-changing PSA by the Road Safety Council of Western Australia. www.enjoytheride.wa.gov.au

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Guest: (2805 days ago)
Predictable answer from you.. it's becoming trivial.
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Predictable answer from you.. it's becoming trivial.
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Guest: Dr.Ofnothing (2805 days ago)
Congrats to America--the world leader in inventing new ways to be an @sshat.
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Congrats to America--the world leader in inventing new ways to be an @sshat.
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Guest: Not_from_US_thank_fcuk (2804 days ago)
cengland0 "more innovation comes from the US than AU/UK" really? Are you buying what you're shoveling? UK invented / discovered: football (yes we use our feet on the ball, your game from now on will be known as "hand egg"), rugby (this is a mans version of said hand egg), plastic, police, friction match, television, refrigerator, flush toilet, waterproof macintosh (necessity drove that one), telegraph, first anesthesia with Chloroform (which you've been sniffing), vaccine for typhoid, insulin, Penicillin, effective tuberculosis treatment, Electrocardiography, theory of electromagnetism, Criminal fingerprinting, The ultrasound scanner, The MRI body scanner, Seismometer, Hovercraft, Lifeboat, Submarine, Scuba, Diving bell, Sextant, Screw propeller, Sonar, hydrophone, hydrofoil, Cats eyes, seat belt, tarmac, traffic lights, maglev, jet engine, VTOL, first commercial jet airliner, parachute, cricket, tennis, boxing, the tank, fighter aircraft, bouncing bomb, safety fuse, depth charge, stun grenades, smokeless gunpowder (we know how much you lot over the pond love your guns), first sniper rifle, stainless steel, fire extinguisher, lawn mower, elastic band, light bulb, tin can, light switch, corkscrew, mouse trap. I could go on but I guess you get the idea by now. We've made a few mistakes along the way, like discovering and therefore inventing America, I'd like to say sorry to the rest of the world for that c0ckup.
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cengland0 "more innovation comes from the US than AU/UK" really? Are you buying what you're shoveling? UK invented / discovered: football (yes we use our feet on the ball, your game from now on will be known as "hand egg"), rugby (this is a mans version of said hand egg), plastic, police, friction match, television, refrigerator, flush toilet, waterproof macintosh (necessity drove that one), telegraph, first anesthesia with Chloroform (which you've been sniffing), vaccine for typhoid, insulin, Penicillin, effective tuberculosis treatment, Electrocardiography, theory of electromagnetism, Criminal fingerprinting, The ultrasound scanner, The MRI body scanner, Seismometer, Hovercraft, Lifeboat, Submarine, Scuba, Diving bell, Sextant, Screw propeller, Sonar, hydrophone, hydrofoil, Cats eyes, seat belt, tarmac, traffic lights, maglev, jet engine, VTOL, first commercial jet airliner, parachute, cricket, tennis, boxing, the tank, fighter aircraft, bouncing bomb, safety fuse, depth charge, stun grenades, smokeless gunpowder (we know how much you lot over the pond love your guns), first sniper rifle, stainless steel, fire extinguisher, lawn mower, elastic band, light bulb, tin can, light switch, corkscrew, mouse trap. I could go on but I guess you get the idea by now. We've made a few mistakes along the way, like discovering and therefore inventing America, I'd like to say sorry to the rest of the world for that c0ckup.
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Guest: Skinny American (2804 days ago)
We've also made a few mistakes along the way, such as GW Bush (twice), Vietnam, installing the Shah in Iran, and teaching cengland0 how to type. If the boreme site operators are reading this post: PLEASE limit the number of times a person can post on a video.
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We've also made a few mistakes along the way, such as GW Bush (twice), Vietnam, installing the Shah in Iran, and teaching cengland0 how to type. If the boreme site operators are reading this post: PLEASE limit the number of times a person can post on a video.
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cengland0 cengland0 (2804 days ago)
The UK did not discover America. Portuguese explorers visited the Americas and mapped the area in 1424. The viking Leif Erikson was here before 1492 too. Christopher Columbus never set foot on North America -- the closest he got on any of his voyages was Central America and Cuba. Doesn't matter anyway because he was an Italian chartered by the Spanish. So what makes you think the UK discovered America?
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The UK did not discover America. Portuguese explorers visited the Americas and mapped the area in 1424. The viking Leif Erikson was here before 1492 too. Christopher Columbus never set foot on North America -- the closest he got on any of his voyages was Central America and Cuba. Doesn't matter anyway because he was an Italian chartered by the Spanish. So what makes you think the UK discovered America?
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Guest: PeterLondon1 (2804 days ago)
We may not have discovered it - but we did create it! The USA was invented by Britains! And traitorous ones at that! The Founding Fathers were British citizens, living in a British Colony. There wasn't a United States. It was a crown colony of England. Unfortunately under the colonial system, things weren't run the same way they were in England. Laws and taxes were enacted in London for the colonies. All they colonists wanted was a voice in their colonial affairs. What happened was the Founding Fathers who were British, for lack a better term, engaged in treason against the crown and the colonial government. They are heroes to Americans, but legally they were traitors to their own country, England. Today if you attempt to overthrow the US government, because it is corrupt or it lacks the mandate from the people, you are a traitor and guilty of treason. Interesting that the same thing that the Founding Fathers did to their own country, cannot be done to the country they founded.
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We may not have discovered it - but we did create it! The USA was invented by Britains! And traitorous ones at that! The Founding Fathers were British citizens, living in a British Colony. There wasn't a United States. It was a crown colony of England. Unfortunately under the colonial system, things weren't run the same way they were in England. Laws and taxes were enacted in London for the colonies. All they colonists wanted was a voice in their colonial affairs. What happened was the Founding Fathers who were British, for lack a better term, engaged in treason against the crown and the colonial government. They are heroes to Americans, but legally they were traitors to their own country, England. Today if you attempt to overthrow the US government, because it is corrupt or it lacks the mandate from the people, you are a traitor and guilty of treason. Interesting that the same thing that the Founding Fathers did to their own country, cannot be done to the country they founded.
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cengland0 cengland0 (2804 days ago)
I agree that the founding fathers that signed the declaration of independence knew that it was treason. They wanted to separate from the tyranny of England even if they would die for the cause. That's how bad we hated England and King George III. In fact the text of our Declaration of Independence clearly explains this: "The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world." It goes on to list several reasons why England and the King were bad for the public good.
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I agree that the founding fathers that signed the declaration of independence knew that it was treason. They wanted to separate from the tyranny of England even if they would die for the cause. That's how bad we hated England and King George III. In fact the text of our Declaration of Independence clearly explains this: "The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world." It goes on to list several reasons why England and the King were bad for the public good.
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Guest: PeterLondon1 (2803 days ago)
You were still a bunch of traitors though.
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You were still a bunch of traitors though.
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cengland0 cengland0 (2805 days ago)
"If life's a race, where's the finish?" Answer: Death. "Who are we competing with?" Answer: People wanting the same career as you. You have to be better than the other applicants applying for the same job or, if you own your own business, be better than your competition. Is there a prize for first place? Yes, satisfaction. Suppose only those people that want to be mediocre will take this advice and slow down while the rest of the world will pass you up. Since this is from Australia, my assumption is the government does not want you to succeed in life.
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"If life's a race, where's the finish?" Answer: Death. "Who are we competing with?" Answer: People wanting the same career as you. You have to be better than the other applicants applying for the same job or, if you own your own business, be better than your competition. Is there a prize for first place? Yes, satisfaction. Suppose only those people that want to be mediocre will take this advice and slow down while the rest of the world will pass you up. Since this is from Australia, my assumption is the government does not want you to succeed in life.
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Guest: rossglory (2805 days ago)
doesn't apply to me, i'm a socialist.
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doesn't apply to me, i'm a socialist.
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Guest: PeterLondon1 (2805 days ago)
The Australian people and government (same thing), don't all want to live unhappy lives and die young. They want to cooperate and work together to build a better life for everyone. Sure, there needs to be some element of competition, but in moderation - we don't all need to be at each other's throats. Speak to an evolutionary scientist, and they will tell you that the success of the human species is based on a balance between competition and cooperation. I would think that living a healthy productive life is "success". But of course in cengland0 fantasy land - where "the USA is 100% right about everything", "success" is only measured in how much you have crapped on your fellow man, and how much money you have.
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The Australian people and government (same thing), don't all want to live unhappy lives and die young. They want to cooperate and work together to build a better life for everyone. Sure, there needs to be some element of competition, but in moderation - we don't all need to be at each other's throats. Speak to an evolutionary scientist, and they will tell you that the success of the human species is based on a balance between competition and cooperation. I would think that living a healthy productive life is "success". But of course in cengland0 fantasy land - where "the USA is 100% right about everything", "success" is only measured in how much you have crapped on your fellow man, and how much money you have.
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cengland0 cengland0 (2805 days ago)
I suppose that's why more innovation comes from the US than AU/UK. We discovered electricity, we invented the internet, the air conditioner, cotton gin, solar cells, credit cards, gps, computers. What do the Australians and UK people bring? Laziness, social healthcare, and high taxes.
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I suppose that's why more innovation comes from the US than AU/UK. We discovered electricity, we invented the internet, the air conditioner, cotton gin, solar cells, credit cards, gps, computers. What do the Australians and UK people bring? Laziness, social healthcare, and high taxes.
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Guest: GetYourFactsRight (2805 days ago)
USA invented the internet "my arse" - LINK Oh yes the USA won WWII also.
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USA invented the internet "my arse" - LINK Oh yes the USA won WWII also.
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cengland0 cengland0 (2805 days ago)
You are so wrong if you think Tim Berners-Lee invented the Internet. His contributions came in 1989 and the Internet was already here by the US government. It was called ARPANET at first. The first connections were between UCLA and SRI both in California in AMERICA.
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You are so wrong if you think Tim Berners-Lee invented the Internet. His contributions came in 1989 and the Internet was already here by the US government. It was called ARPANET at first. The first connections were between UCLA and SRI both in California in AMERICA.
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Guest: rossglory (2805 days ago)
the american govt invented the internet (originally arpanet) but tim-berners lee made it really useful by inventing the world wide web.....whilst he was working for cern
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the american govt invented the internet (originally arpanet) but tim-berners lee made it really useful by inventing the world wide web.....whilst he was working for cern
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cengland0 cengland0 (2805 days ago)
The internet was useful before the HTTP protocol. You still had Gopher, Telnet, IRC, and others. In fact, it was better then because you didn't have all this crap that's on the internet today. Basically only government and universities used it with a few individuals. Telnet and IRC is still being used today and if you don't know what that is, you haven't really experienced the internet. Also what do you think is more important: HTTP or Email? Email was working in 1965 at MIT in AMERICA but HTTP took until 1989.
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The internet was useful before the HTTP protocol. You still had Gopher, Telnet, IRC, and others. In fact, it was better then because you didn't have all this crap that's on the internet today. Basically only government and universities used it with a few individuals. Telnet and IRC is still being used today and if you don't know what that is, you haven't really experienced the internet. Also what do you think is more important: HTTP or Email? Email was working in 1965 at MIT in AMERICA but HTTP took until 1989.
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Guest: PeterLondon1 (2804 days ago)
"all this crap that's on the internet today" - yeah, like all your posts cengland0. LOL
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"all this crap that's on the internet today" - yeah, like all your posts cengland0. LOL
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Guest: GetYourFactsRight (2805 days ago)
Oh and another one - LINK
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Oh and another one - LINK
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Guest: PeterLondon1 (2805 days ago)
I do love the way you consider "credit cards" an "invention". Just as a prisoner would consider a new type of lock on his cell door an "invention". Credit Cards are just a new way for the banks to bleed money from us all. If you don't have the money, then SAVE UP FOR IT.
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I do love the way you consider "credit cards" an "invention". Just as a prisoner would consider a new type of lock on his cell door an "invention". Credit Cards are just a new way for the banks to bleed money from us all. If you don't have the money, then SAVE UP FOR IT.
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cengland0 cengland0 (2805 days ago)
I suppose you're one of the few people in the world that doesn't have a credit card? That's how banks bleed money from you huh? Did you pay cash for your house and car or did you get a loan? Did the bank charge you interest on that loan? You do realize that you can use your credit card to make a purchase and then pay it off at the end of the month and pay nothing in interest to the bank, right? If you don't know how to use a credit card, let me know where you're having trouble understanding and the banker in me will assist you with it.
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I suppose you're one of the few people in the world that doesn't have a credit card? That's how banks bleed money from you huh? Did you pay cash for your house and car or did you get a loan? Did the bank charge you interest on that loan? You do realize that you can use your credit card to make a purchase and then pay it off at the end of the month and pay nothing in interest to the bank, right? If you don't know how to use a credit card, let me know where you're having trouble understanding and the banker in me will assist you with it.
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Guest: PeterLondon1 (2804 days ago)
Actually, yes, I don't have a credit card. I only have a debit card - different thing - money is debited right of my account so I know just where I stand. The only item I would EVER borrow money for, is for a house, and that is because of their high cost. I saved-up for my car, and everything else such as holidays, iPhone, new kitchen etc. You know - like folks did in the 50's and 60's in the USA when there was no personal credit as such - and the American economy was growing at a terrific rate, with low debt, low unemployment etc. The good old days eh? Before the banks started to f**k with us all. Did you know that Henry Ford wanted no part of what he believed would be the end of America: credit for personal expenditure? If you pay off your credit card at the end of each month, then you are getting a small free loan forever effectively. So good on you. But that's not how the banks make money is it now Mr cengland0? They make money by having 50 pages terms and conditions which are so complicated, even lawyers, accountants and judges can't understand them. Then they entice folks with special offers and all that crap; and before you know it, the customer is paying exorbitant interest rates and going bankrupt. I think I need you to explain finance to me as much as I need to you stick your d**k up my a**e cengland0.
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Actually, yes, I don't have a credit card. I only have a debit card - different thing - money is debited right of my account so I know just where I stand. The only item I would EVER borrow money for, is for a house, and that is because of their high cost. I saved-up for my car, and everything else such as holidays, iPhone, new kitchen etc. You know - like folks did in the 50's and 60's in the USA when there was no personal credit as such - and the American economy was growing at a terrific rate, with low debt, low unemployment etc. The good old days eh? Before the banks started to f**k with us all. Did you know that Henry Ford wanted no part of what he believed would be the end of America: credit for personal expenditure? If you pay off your credit card at the end of each month, then you are getting a small free loan forever effectively. So good on you. But that's not how the banks make money is it now Mr cengland0? They make money by having 50 pages terms and conditions which are so complicated, even lawyers, accountants and judges can't understand them. Then they entice folks with special offers and all that crap; and before you know it, the customer is paying exorbitant interest rates and going bankrupt. I think I need you to explain finance to me as much as I need to you stick your d**k up my a**e cengland0.
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cengland0 cengland0 (2804 days ago)
Apparently someone needs to explain finance to you because you complain about credit cards being designed to "bleed money from us all" but you still have a mortgage. Seems you don't understand that regardless if you buy something on your credit card or take a bank loan to buy a house, it's still borrowing money and the banks want to make a profit for lending you that money. Regarding the debit card, I believe you misunderstand how those work too. First, they were created in 1978 in Seattle, AMERICA. Do you think it's free for a merchant to accept a debit card as a form of payment and the banks don't make any money from that transaction? Your comment, "They make money by having 50 pages terms and conditions which are so complicated, even lawyers, accountants and judges can't understand them" made me laugh because there is nothing in those terms and conditions that I don't understand so that makes me smarter than the lawyers, accountants, judges, and you. What questions do you have regarding your credit agreement and I will explain it to you?
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Apparently someone needs to explain finance to you because you complain about credit cards being designed to "bleed money from us all" but you still have a mortgage. Seems you don't understand that regardless if you buy something on your credit card or take a bank loan to buy a house, it's still borrowing money and the banks want to make a profit for lending you that money. Regarding the debit card, I believe you misunderstand how those work too. First, they were created in 1978 in Seattle, AMERICA. Do you think it's free for a merchant to accept a debit card as a form of payment and the banks don't make any money from that transaction? Your comment, "They make money by having 50 pages terms and conditions which are so complicated, even lawyers, accountants and judges can't understand them" made me laugh because there is nothing in those terms and conditions that I don't understand so that makes me smarter than the lawyers, accountants, judges, and you. What questions do you have regarding your credit agreement and I will explain it to you?
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Guest: PeterLondon1 (2804 days ago)
I have a mortgage (origin, French: "Death Promise"!) because houses are too expensive to buy outright (for most folks) and yet they are pretty much essential for living and working. In addition they provide a constant benefit that effectively multiplies itself. i.e.: a house provides me with shelter, security, warmth, somewhere to cook etc., and this in turn enables me to work productively and thus create more wealth. The same would apply if I borrowed money for a factory, or to buy a PC for my work if I was self-employed. And on top of all that, a house is (in the long-run) an appreciating asset, and in many way can be considered a very effective saving scheme for retirement etc. Thus, on balance, borrowing for a house is good for me, builders, and society etc. This is totally different from me borrowing to buy an iPad, new kitchen or holiday, which is good in the short term - I get to use something before I can afford it; but I pay interest for this, and overall, it's a bad deal (although very enticing). Of course if you understand "fractional reserve banking" (which as you have show by your posts elsewhere, you don't), you will appreciate that the banks create money out of thin-air, and then charge us for them to lend it to us. Fine if it's well-regulated and restrained - bad if you let it became a giant Ponzi scheme that imperils the world. And I think debit cards are fine, no problem there.
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I have a mortgage (origin, French: "Death Promise"!) because houses are too expensive to buy outright (for most folks) and yet they are pretty much essential for living and working. In addition they provide a constant benefit that effectively multiplies itself. i.e.: a house provides me with shelter, security, warmth, somewhere to cook etc., and this in turn enables me to work productively and thus create more wealth. The same would apply if I borrowed money for a factory, or to buy a PC for my work if I was self-employed. And on top of all that, a house is (in the long-run) an appreciating asset, and in many way can be considered a very effective saving scheme for retirement etc. Thus, on balance, borrowing for a house is good for me, builders, and society etc. This is totally different from me borrowing to buy an iPad, new kitchen or holiday, which is good in the short term - I get to use something before I can afford it; but I pay interest for this, and overall, it's a bad deal (although very enticing). Of course if you understand "fractional reserve banking" (which as you have show by your posts elsewhere, you don't), you will appreciate that the banks create money out of thin-air, and then charge us for them to lend it to us. Fine if it's well-regulated and restrained - bad if you let it became a giant Ponzi scheme that imperils the world. And I think debit cards are fine, no problem there.
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cengland0 cengland0 (2804 days ago)
Yes, mortgage is a French law word that is roughly translated to "Death Contract" or as you state "Death Promise." That does not have anything to do with death of a person but means that the contract is terminated (dies) when either the loan is paid back or the house is foreclosed on.
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Yes, mortgage is a French law word that is roughly translated to "Death Contract" or as you state "Death Promise." That does not have anything to do with death of a person but means that the contract is terminated (dies) when either the loan is paid back or the house is foreclosed on.
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cengland0 cengland0 (2804 days ago)
Oh the horror, you actually have a mortgage and that means you're funding the evil banks. How could you do that and not be embarrassed? And regarding fractional reserve banking, I totally understand that much more than most people. That's why I can tell you that articles that claim that system allows banks to create money out of thin air don't know what they are talking about. An example of this is that I deposit $100 in bank #1. Bank #1 then lends out $80 to Bob and reserves $20 and puts it into Bank #2. Bank #2 loan out $16 to Tom and reserves $4 and puts it into bank #3. Bank #3 loans out $3.20 to Wilma and deposits the reserve of $0.80 in Bank #4. In your view, there is now $224 floating out there when it only started at $100. You are so wrong. The money is divided this way: Bank #1 = 0, Bank #2 = 0. Bank #3 = 0. Bank #4 = 0.80. Bob = $80. Tom = $16. Wilma = $3.20. I, the original person that started with the $100, don't have any of that money either. You can think of it as the bank borrowing it from me and then loaning it out at a higher interest rate (called a margin) to make a profit. So where in this process do you believe banks have created money? Follow the cash -- where is it?
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Oh the horror, you actually have a mortgage and that means you're funding the evil banks. How could you do that and not be embarrassed? And regarding fractional reserve banking, I totally understand that much more than most people. That's why I can tell you that articles that claim that system allows banks to create money out of thin air don't know what they are talking about. An example of this is that I deposit $100 in bank #1. Bank #1 then lends out $80 to Bob and reserves $20 and puts it into Bank #2. Bank #2 loan out $16 to Tom and reserves $4 and puts it into bank #3. Bank #3 loans out $3.20 to Wilma and deposits the reserve of $0.80 in Bank #4. In your view, there is now $224 floating out there when it only started at $100. You are so wrong. The money is divided this way: Bank #1 = 0, Bank #2 = 0. Bank #3 = 0. Bank #4 = 0.80. Bob = $80. Tom = $16. Wilma = $3.20. I, the original person that started with the $100, don't have any of that money either. You can think of it as the bank borrowing it from me and then loaning it out at a higher interest rate (called a margin) to make a profit. So where in this process do you believe banks have created money? Follow the cash -- where is it?
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Guest: PeterLondon1 (2803 days ago)
Any money that is not effectively based on a gold-standard (or similar) is effectively created out of "thin-air". I mean you just start the printing-presses or do what the FED is doing now with bond buy-backs etc. Why on earth do you think that all the banks needed a bail-out from the tax-payer? What do you think would happen if everyone went to their bank one day and asked to withdraw all their money? But that's not the issue. Fractional reserve banking works fine if the banks are not crooks and the general pubic is not as stupid and blind as cengland0. You must be the last person in the world who still thinks the banks are cuddly, "have our best interests at heart", and don't need regulation. The banks have even been linked to drug lords and terrorists: LINK
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Any money that is not effectively based on a gold-standard (or similar) is effectively created out of "thin-air". I mean you just start the printing-presses or do what the FED is doing now with bond buy-backs etc. Why on earth do you think that all the banks needed a bail-out from the tax-payer? What do you think would happen if everyone went to their bank one day and asked to withdraw all their money? But that's not the issue. Fractional reserve banking works fine if the banks are not crooks and the general pubic is not as stupid and blind as cengland0. You must be the last person in the world who still thinks the banks are cuddly, "have our best interests at heart", and don't need regulation. The banks have even been linked to drug lords and terrorists: LINK
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cengland0 cengland0 (2803 days ago)
It's a misconception that the fed prints money. That's the job of the US Treasury -- not the Fed. When you say banks needed a bail-out, that's a term the media used and is also a misconception. What actually happened is the federal reserve changed some guidelines that required banks to have more money in reserve. We were forced to accept TARP money to increase our reserves. We were charged a high interest rate on that money and needed to pay it back. My bank has already paid back 100% of the money we were given and that gave the American people a profit because of the high interest we were charged. $470 billion was paid out and over 342 billion has already been paid back. You can see a daily report of who is paying here: LINK Now to discuss the HSBC issue that you linked to. Note that it is a BRITISH bank that was linked to drug lords and terrorists. They were caught and the issue is now fixed, right? And I have never said that banks should not be regulated. In fact, we are highly regulated already so what more regulation do you think is needed that isn't already there? We do want to help people afford things they couldn't pay for immediately. For example, buying a house, a car, or even a replacement refrigerator if needed. What is wrong with the banks giving out money to people who need it for those purposes and making a little profit in the process? This is a free enterprise market, right? Do you think banks should offer their services for free? Or are you suggesting that banks should never loan money out? What are you suggesting? When you say banks are crooks, that means they are doing something illegal. What is it you think the banks are doing illegally today and together we can turn them into the authorities and make them stop.
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It's a misconception that the fed prints money. That's the job of the US Treasury -- not the Fed. When you say banks needed a bail-out, that's a term the media used and is also a misconception. What actually happened is the federal reserve changed some guidelines that required banks to have more money in reserve. We were forced to accept TARP money to increase our reserves. We were charged a high interest rate on that money and needed to pay it back. My bank has already paid back 100% of the money we were given and that gave the American people a profit because of the high interest we were charged. $470 billion was paid out and over 342 billion has already been paid back. You can see a daily report of who is paying here: LINK Now to discuss the HSBC issue that you linked to. Note that it is a BRITISH bank that was linked to drug lords and terrorists. They were caught and the issue is now fixed, right? And I have never said that banks should not be regulated. In fact, we are highly regulated already so what more regulation do you think is needed that isn't already there? We do want to help people afford things they couldn't pay for immediately. For example, buying a house, a car, or even a replacement refrigerator if needed. What is wrong with the banks giving out money to people who need it for those purposes and making a little profit in the process? This is a free enterprise market, right? Do you think banks should offer their services for free? Or are you suggesting that banks should never loan money out? What are you suggesting? When you say banks are crooks, that means they are doing something illegal. What is it you think the banks are doing illegally today and together we can turn them into the authorities and make them stop.
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Guest: PeterLondon (2802 days ago)
HSBC is an international conglomerate. It's only "British" in so far as that's where is chooses to base it's headquarters for tax and other commercial reasons. And so what? British banks can be just as corrupt as USA banks or any other banks. Don't take it personally! Here is the US Senate report into HSBC criminal activities: HSBC in the US had not treated its Mexican affiliate as high risk, despite the country's money laundering and drug trafficking challenges. The Mexican bank had transported $7bn in US bank notes to HSBC in the US, more than any other Mexican bank, but had not considered that to be suspicious. It had circumvented US safeguards designed to block transactions involving terrorists drug lords and rogue states, including allowing 25,000 transactions over seven years without disclosing their links to Iran. Providing US dollars and banking services to some banks in Saudi Arabia despite their links to terrorist financing. In less than four years it had cleared $290m in "obviously suspicious" US travellers' cheques for a Japanese bank, benefiting Russians who claimed to be in the used car business. And what "punishment" did they receive? A fine of $1.9B. Equal to about 2 weeks of their annual profit. The issue has been "fixed" for sure! Why did no one in the bank face criminal charges? Why was the bank itself not found guilty of criminal charges? Because the US government does so much business with HSBC, that if the bank or it's managers were found guilty of criminal charges, then under US law, the government could no longer do business with it. So the bank was "too big" to face criminal charges. Now what do you think would happen to you cengland0 if you were found to be keeping cash under your bed for a couple of local Iranian terrorists? I'll give you one of my multiple choice questions to make it easy for you: (A) you would be fined two weeks of your net income after living expenses - not much as you are just a bank clerk after all, or (B) you would be dumped in a super-max prison and never see the sky again for the rest of your life?
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HSBC is an international conglomerate. It's only "British" in so far as that's where is chooses to base it's headquarters for tax and other commercial reasons. And so what? British banks can be just as corrupt as USA banks or any other banks. Don't take it personally! Here is the US Senate report into HSBC criminal activities: HSBC in the US had not treated its Mexican affiliate as high risk, despite the country's money laundering and drug trafficking challenges. The Mexican bank had transported $7bn in US bank notes to HSBC in the US, more than any other Mexican bank, but had not considered that to be suspicious. It had circumvented US safeguards designed to block transactions involving terrorists drug lords and rogue states, including allowing 25,000 transactions over seven years without disclosing their links to Iran. Providing US dollars and banking services to some banks in Saudi Arabia despite their links to terrorist financing. In less than four years it had cleared $290m in "obviously suspicious" US travellers' cheques for a Japanese bank, benefiting Russians who claimed to be in the used car business. And what "punishment" did they receive? A fine of $1.9B. Equal to about 2 weeks of their annual profit. The issue has been "fixed" for sure! Why did no one in the bank face criminal charges? Why was the bank itself not found guilty of criminal charges? Because the US government does so much business with HSBC, that if the bank or it's managers were found guilty of criminal charges, then under US law, the government could no longer do business with it. So the bank was "too big" to face criminal charges. Now what do you think would happen to you cengland0 if you were found to be keeping cash under your bed for a couple of local Iranian terrorists? I'll give you one of my multiple choice questions to make it easy for you: (A) you would be fined two weeks of your net income after living expenses - not much as you are just a bank clerk after all, or (B) you would be dumped in a super-max prison and never see the sky again for the rest of your life?
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cengland0 cengland0 (2802 days ago)
Each US bank requires all employees to go through anti money laundering training. Any employee in violation of the law is able to be prosecuted personally. So did the CEO and other senior managers do something illegal or was that the individual employees at those branches? It's impossible for a CEO of a huge company to know every transaction that is occurring at every location. Also, I'm not sure what the anti money laundering laws are in other countries. So is it illegal in Mexico too or are you just assuming that it is? The US has forms you fill out to report suspicious transactions to the US government. Does Mexico have the same agencies to report that to or are you making assumptions again?
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Each US bank requires all employees to go through anti money laundering training. Any employee in violation of the law is able to be prosecuted personally. So did the CEO and other senior managers do something illegal or was that the individual employees at those branches? It's impossible for a CEO of a huge company to know every transaction that is occurring at every location. Also, I'm not sure what the anti money laundering laws are in other countries. So is it illegal in Mexico too or are you just assuming that it is? The US has forms you fill out to report suspicious transactions to the US government. Does Mexico have the same agencies to report that to or are you making assumptions again?
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Guest: PeterLondon (2802 days ago)
I see that even though you are a bank clerk, you can't even answer a simple multiple-choice question! I'm glad I don't have an account at your bank!
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I see that even though you are a bank clerk, you can't even answer a simple multiple-choice question! I'm glad I don't have an account at your bank!
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cengland0 cengland0 (2802 days ago)
How do you know you don't have an account at my bank? I never told you what bank I work for. Besides, your multiple choice questions are always bogus. I could ask you one too and try to answer this. PeterLondon is either A. Stupid or B. An Idiot Now you can only pick A or B. See the problem now? These are the types of questions you keep asking and you do not have a correct answer in your list of possible answers.
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How do you know you don't have an account at my bank? I never told you what bank I work for. Besides, your multiple choice questions are always bogus. I could ask you one too and try to answer this. PeterLondon is either A. Stupid or B. An Idiot Now you can only pick A or B. See the problem now? These are the types of questions you keep asking and you do not have a correct answer in your list of possible answers.
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Guest: PeterLondon (2802 days ago)
Latest comment: Ha ha! Silly little "no life worth mentioning" bank clerk cengland0 too scared to answer a simple question as you would start to suffer from cognitive dissonance! I can't believe that you are such a dweeb you actually read all my long boring posts! DUH! You're too easy to bait - this is getting boring.
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Latest comment: Ha ha! Silly little "no life worth mentioning" bank clerk cengland0 too scared to answer a simple question as you would start to suffer from cognitive dissonance! I can't believe that you are such a dweeb you actually read all my long boring posts! DUH! You're too easy to bait - this is getting boring.
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Guest: PeterLondon (2802 days ago)
"US authorities defended their decision not to prosecute HSBC for accepting the tainted money of rogue states and drug lords on Tuesday, insisting that a $1.9bn fine for a litany of offences was preferable to the 'collateral consequences' of taking the bank to court. . . . Too big to be prosecuted: "Announcing the record fine at a press conference in New York, assistant attorney general Lanny Breuer said that despite HSBC"s 'blatant failure' to implement anti-money laundering controls and its wilful flouting of US sanctions, the consequences of a criminal prosecution would have been dire. "Had the US authorities decided to press criminal charges, HSBC would almost certainly have lost its banking licence in the US, the future of the institution would have been under threat and the entire banking system would have been destabilised".
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"US authorities defended their decision not to prosecute HSBC for accepting the tainted money of rogue states and drug lords on Tuesday, insisting that a $1.9bn fine for a litany of offences was preferable to the 'collateral consequences' of taking the bank to court. . . . Too big to be prosecuted: "Announcing the record fine at a press conference in New York, assistant attorney general Lanny Breuer said that despite HSBC"s 'blatant failure' to implement anti-money laundering controls and its wilful flouting of US sanctions, the consequences of a criminal prosecution would have been dire. "Had the US authorities decided to press criminal charges, HSBC would almost certainly have lost its banking licence in the US, the future of the institution would have been under threat and the entire banking system would have been destabilised".
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Guest: PeterLondon1 (2804 days ago)
This is the "Top 10" number 1 most unreadable credit card agreement. It requires a reading level of 18.5. Only 0.25% of of the USA population can read at this level. The average credit card agreement is written at 12th grade level, and 4 out of 5 adults cannot read at this level. The average adult reads at 9th grade level.
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This is the "Top 10" number 1 most unreadable credit card agreement. It requires a reading level of 18.5. Only 0.25% of of the USA population can read at this level. The average credit card agreement is written at 12th grade level, and 4 out of 5 adults cannot read at this level. The average adult reads at 9th grade level.
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Guest: PeterLondon1 (2804 days ago)
Line of Credit Agreement Line of Credit Agreement between myself and GTE Federal Credit Union (the “credit union”). The purpose of this agreement is to establish the terms and conditions of a line of credit. In this agreement the words “I” or “my” mean each person who applies for the MasterCard, MasterCard Gold, Visa, Visa Gold and Visa Platinum credit card or who uses the credit card or duplicate credit card. The word “card” means your MasterCard, MasterCard Gold, Visa, Visa Gold and Visa Platinum credit card and duplicates of said card. The word “account” means your MasterCard, MasterCard Gold, Visa, Visa Gold and Visa Platinum credit card revolving credit account with GTE Federal Credit Union. 1. I hereby apply for a line of credit that I can use from time to time and which may be replenished by payment on amounts previously drawn. 2. Using my credit card establishes my agreement with these terms and conditions. Issuance by GTE Federal Credit Union will establish the following: (a) The credit limit approved shall be determined by the credit union, and this credit limit will be drawn upon as I utilize an issued credit card. (b) The line of credit will be repaid in accordance with the terms and conditions issued by MasterCard, Int’l. and Visa USA, Inc. and in accordance with policies established by the credit union’s Board of Directors. 3. Interest charged on outstanding balances will be at the rates disclosed on any outstanding balances that are not repaid within the allowable “grace period” as established by the credit union‘s Board of Directors. 4. I promise to pay any and all charges incurred by me or by any person whom I authorize to use the credit card issued to me. I further agree to pay any fees or charges assessed against me for any services relating to my account, including but not limited to fees or charges incurred in the recovery of a credit card, in retrieval of transaction data or monthly statements, and in collection of this account. 5. As a holder of a credit card, I understand that I can repay any outstanding balance prior to maturity, in whole or in part, at my option without penalty. 6. I recognize and agree that I will accept any other conditions established by the credit union’s Board of Directors that are necessary to protect the best interest of the credit union and to comply with applicable federal and state laws and regulations. 7. I agree that the credit union can change the terms of this agreement any time. The new terms will apply to new purchases, cash advances, balance transfers and convenience checks, accrued finAnCe ChArgeS that accrue from these balances and applicable fees.The credit union will mail or deliver written notice of the change unless I have already agreed to the change, the change involves late payment charges or over-limit charges, return payment fee or the change is a reduction of a finance or other charge. 8. I acknowledge and agree that the credit union may terminate this agreement under the following conditions: (a) Upon adverse re-evaluation of my credit worthiness (b) Upon my failure to satisfy the terms of this agreement and conditions established by the credit union’s Board of Directors and MasterCard, Int’l. and Visa USA, Inc. (c) At my option or at the credit union’s option if it has good cause. 9. If my line of credit is terminated by the credit union, I shall receive written notice of such termination; however, I understand and acknowledge that such termination shall not affect my obligation to pay any outstanding balance. 10. I understand that the credit union is required to review my loan file at least once every 6 months, and I hereby give my permission to authorize the credit union to investigate and reassess my credit worthiness. 11. I understand that a re-application by me and approval by the credit union shall be required if: (a) The credit limit is increased (b) The terms of payment are extended beyond the terms of the original agreement. 12. I fully understand and agree that if my loans become delinquent or past due, my credit card shall be revoked, unless the credit union determines that extenuating circumstances have contributed to the delinquency; under such circumstances, the credit union may approve my continued use of the credit card. 13. I agree that if it is necessary for the credit union to collect any amounts owed pursuant to this agreement through an attorney or by legal means or to take any actions in bankruptcy court or other court in connection with this agreement, I will pay all costs, including reasonable attorney’s fees. 14. When you use your card for a transaction denominated in a currency other than U.S. dollars, the transaction amount will be converted into U.S. dollars by applying an exchange rate selected by Visa or MasterCard from among the range of rates available in wholesale currency markets or the government-mandated rate on the date the transaction is processed. The rate chosen may vary from the rate Visa or MasterCard receives. In each instance, a Foreign Currency Conversion Fee equal to one percent of the amount of the transaction (expressed as a positive number) will be assessed against your account. 15. SECURITY INTEREST AS A CONDITION OF CREDIT UNION’S OPENING AND YOUR USE OF ANY CARD OR ACCOUNT, YOU HEREBY GRANT CREDIT UNION A SECURITY INTEREST IN ALL SHARES AND DEPOSITS WITH CREDIT UNION IN WHICH YOU HAVE AN OWNERSHIP INTEREST NOW OR HEREAFTER (other than an IRA or an account where this security interest would cause the loss of tax-exempt or tax-deferred status).THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED TO CREDIT UNION UNDER THE TERMS OF THEACCOUNT. IF YOU ARE IN DEFAULT UNDER ANY TERM OF SUCH ACCOUNT, CREDIT UNION SHALL HAVE A RIGHT TO IMMEDIATELY SEIZE YOUR SHARES AND/OR DEPOSITS WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE AMOUNTS OWED TO CREDIT UNION. Item Charge for each Convenience Check Used Convenience Check Returned Convenience Check Copies Convenience Check Stop Pymt Foreign Currency Conversion Fee Foreign Non-Currency Conversion Fee 3.00 % with a minimum of $5.00 $ 29.00 $ 1.00 $ 29.00 1% of U.S. Dollar Transaction Amount 0.8% of U.S. Dollar Transaction Amount DiSCLOSUre reQUireD feDerAL Cash Advances 1. A finAnCe ChArge accrues on cash advances (which includes cash advances, balance transfers, and convenience checks drawn on your credit line that are used to obtain cash, consolidate balances, or purchase goods and services) from the date they are made until the date when payment in full is made for such transactions. There is no time period within which to pay to avoid a finAnCe ChArge. The finAnCe ChArge for a billing cycle is computed by applying the daily periodic rate to the average daily balance of cash advances, which is determined by dividing the sum of the daily balances by the number of days in the billing cycle. Each daily balance of cash advances is determined by adding to the outstanding unpaid balance of cash advances at the beginning of the billing cycle any new cash advances posted to your account, and subtracting any payments as received or credits as posted to your account but excluding any unpaid finAnCe ChArgeS. Credit Purchases 1. A finAnCe ChArge will be imposed on credit purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25 day period, a finAnCe ChArge will be imposed on the unpaid average daily balance of such credit purchases from the previous statement closing date and on new credit purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finAnCe ChArge for a billing cycle is computed by applying the daily periodic rate to the average daily balance of credit purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of credit purchases is determined by adding to the outstanding unpaid balance of credit purchases at the beginning of the billing cycle any new credit purchases posted to your account and subtracting any payments as received and credits as posted to your account, but excluding any unpaid finAnCe ChArgeS. Minimum finAnCe ChArge: If finAnCe ChArgeS are billed in any billing cycle, the minimum billed finAnCe ChArge will be $0.50. 2. The daily periodic rate used to compute your finAnCe ChArge on your credit card is .02463% with a corresponding 8.99% AnnUAL PerCenTAge rATe, and .03010% with a corresponding 10.99% AnnUAL PerCenTAge rATe, and .03558% with a corresponding 12.99% AnnUAL PerCenTAge rATe, and .03832% with a corresponding 13.99% AnnUAL PerCenTAge rATe, and .04106% with Schedule of Current Charges iTeM Return Payment Fee Late Payment Fee Rush Card Fee Rush PIN Fee Cash Advance Fee (by teller) Cash Advance Fee (by ATM) Balance Transfer Card Replacement Statement Copy (per page) Credit Card Payment Fee – CU@Home Web Access, Pay My Bill Branch Transaction (from checking) Mailed to Processing Center Assisted Telephone Payment Payment From Savings or Same Day Credit – by GTE FCU by processor fee $ 29.00 $ 25.00 $ 15.00 $ 15.00 3.00 % with a minimum of $5.00 3.00 % with a minimum of $5.00 plus “surcharge” if applicable 3.00% with a minimum of $5.00 $ 5.00 $ 1.00 Free Free Free $ 5.00 $ 3.00 $ 5.00 M–101046 BY LAW a corresponding 14.99% AnnUAL PerCenTAge rATe, and .04380% with a corresponding 15.99% AnnUAL PerCenTAge rATe, and .04654% with a corresponding 16.99% AnnUAL PerCenTAge rATe, and .04928% with a corresponding 17.99% AnnUAL PerCenTAge rATe. When you open your account, your daily periodic rate is based on your credit worthiness. 3. The minimum periodic payment required is the total new balance as shown on your monthly billing statement if the amount is under $10.00. If the new balance exceeds $10.00, the minimum periodic payment is 2.00% of that portion of the new balance which does not exceed your credit limit, plus the entire portion of the new balance in excess of your credit limit, plus any amount past due, or $10.00 whichever is greater. 4. In the event of suit to collect unpaid balances, all costs including attorney’s fees of 10% of the balance due, or such greater amount as may be reasonable and just, and also those costs, expenses and attorney’s fees incurred in appellate, bankruptcy and post-judgement proceedings, shall be imposed, except to the extent such costs, fees or expenses are prohibited by law. 5. Documentary stamp taxes as may be required by law shall be imposed on each cash advance at the time the loan is made. 6. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check which is not honored by your financial institution, request a copy of a document, make delinquent payments, make charges which exceed your credit limit, request a cash advance, request a replacement card or use your card for a transaction at an automated teller machine, if such charges are not prohibited by law or regulation. All such charges shall be treated as credit purchases for purposes of calculating finAnCe ChArgeS unless prohibited by law or regulation. 7. Credits (including merchandise credits or merchant returns, statement adjustments or refunds) applied to accounts will not be considered as a payment or partial payment. If a balance remains after a credit is applied, a payment will still be required. 8. If you have other loans from issuer, or take out other loans with issuer in the future, collateral securing those loans will also secure your obligation under this agreement. However, unless you expressly agree otherwise, your primary dwelling will not secure your obligations under this agreement even if issuer has or later acquired a mortgage on the dwelling. 9. SECURITY INTEREST (see Line of Credit Agreement, #15) Terms and Conditions The person (“cardholder”) whose name is embossed on the face of the VisaTM or MasterCardTM credit card (“card”), and each cardholder, in the event more than one card is enclosed herewith by signing or using said card, receipt of which is acknowledged, agrees with the issuer of the card, GTE Federal Credit Union (“issuer”) as follows: 1. Goods and services (“credit purchases”) may be purchased or leased by means of such card by cardholder from any retail business establishment (“seller”) who honors same upon the execution of a sales slip evidencing such credit purchases and bearing the account number of cardholder embossed on the face of such card. Please note that you may not receive a receipt for a transfer or purchase of $15 or less. Additionally, Visa or MasterCard cash advances (“loans”) may be obtained through use of such card (a) upon execution of a written request of cardholder in a form furnished to him from any bank that is a member, alone or in association with others, of Visa Inc. or MasterCard Int’l and (b) upon execution of a written separate agreement with issuer for a Visa/MasterCard overdraft financing agreement, if offered by issuer. 2. Cardholder shall be liable and agrees to pay issuer for credit purchases made by, or for loans extended to, cardholder or anyone else using such card unless the use of such card is by a person other than the cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which cardholder receives no benefit. Additionally, cardholder shall be jointly and severally liable and agrees to pay for all credit purchases and loans obtained through the use of any other card bearing cardholder’s account number that has been issued to another person by reason of such person being a member of cardholder’s family, or otherwise issued upon cardholder’s request (all such cards bearing the same Visa or MasterCard account number is hereinafter collectively called “related cards”). 3. Each card is the property of issuer, is not transferable and must be surrendered upon demand. It can be cancelled as well as repossessed by issuer or its designee, and the privileges thereof revoked, at any time without prior notice. 4. Cardholder shall not use card or permit the use of related cards to obtain credit purchases or loans which will increase cardholder’s Visa/MasterCard indebtedness to issuer to an amount in excess of the limit established by issuer. 5. All credit purchases and loans are effected at the option of the seller and cash advancing bank, respectively, and issuer shall not be responsible for refusal by any seller or cash advancing bank to honor the card or any related card. Any refund, adjustment or credit allowed by seller shall not be by cash but rather by a credit advice to issuer which shall be shown as a credit on cardholder’s account statement with issuer. 6. Issuer will send to cardholder, at monthly intervals determined by issuer, a statement reflecting for the prior monthly period all Visa/MasterCard card and related card transactions. Such statement shall be deemed correct and accepted by cardholder and all holders of related cards unless issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by remitting to issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at the cardholder’s option, an installment equal to at least the required minimum payment stated in Item 3 of your disclosure. 7. Interest on loans and credit purchases will be charged in accordance with the finAnCe ChArgeS calculation method referred to in item 1 of the disclosure. The rate of interest shall be established by issuer from time to time, but shall never exceed the maximum rate permitted by law. The current interest rate per annum is the AnnUAL PerCenTAge rATe set forth in item 2 of the disclosure. 8. If the card is cancelled or surrender is demanded by issuer, or if cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are initiated against cardholder or his property, issuer may elect to declare all amounts then owed to issuer to be immediately due and payable without notice or demand of any kind. If cardholder has other loans from issuer, or takes out other loans with issuer in the future, collateral securing those loans will also secure the cardholder’s obligations under this agreement. However, unless the cardholder expressly agrees otherwise, the cardholder’s primary dwelling will not secure cardholder’s obligations under this agreement even if issuer has or later acquires a mortgage on the dwelling. Cardholder agrees to pay all costs incurred by issuer in collecting cardholder’s indebtedness or in enforcing this agreement, including attorney’s fees of 10% of the unpaid balance or such greater amounts as may be reasonable and just, and also those costs, expenses and attorney’s fees incurred in appellate, bankruptcy and post- judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law. 9. This agreement may be amended from time to time by issuer by written notice mailed to cardholder at cardholder’s last known address. 10. Except to the extent that federal law is applicable, the validity, construction and enforcement of this agreement and all matters arising out of the issuance and use of the card shall be governed by the laws of the state in which the card or related cards was issued. 11. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, make delinquent payments, make charges which exceed your credit limit, request a replacement card or use your card for a transaction at an automated teller machine, if such charges are not prohibited by law or regulation. See Schedule of Current Charges in this disclosure. 12. Cardholder may be liable for the unauthorized use of the card or related cards as provided in this paragraph.The cardholder will not be liable for any unauthorized use that occurs after issuer is notified, orally or in writing at: If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong.To stop payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finAnCe ChArgeS, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finAnCe ChArgeS related to any questioned amount. If we didn’t make a mistake, you may have to pay finAnCe ChArgeS, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct. Your right to Cancel your Account You can choose not to accept the changes in this notice by cancelling your account. If you do not wish to accept the changes regardless of whether your account is closed, you may do so by notifying us. Please call or write us a letter advising us that you do not want to accept the change. We will need to receive this call or letter no later than Month Date Year. Please be sure to include your name, address and account number and send the letter to P.O. Box 172599, Tampa, FL 33672-0599, or call our toll free number 1-888-2690, Ext 40436. Please note that if you do not choose to accept the changes: – You’ll still be responsible for any outstanding balances on your account. – Your card will no longer be of use for new activity, including purchases as the account will be closed(if it is not already closed) – Any reward points you have earned will be forfeited unless you call us to redeem your points before your account is closed. If you have any questions about these changes, please contact us at 1-888-871-2690. Special rules for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.
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Line of Credit Agreement Line of Credit Agreement between myself and GTE Federal Credit Union (the “credit union”). The purpose of this agreement is to establish the terms and conditions of a line of credit. In this agreement the words “I” or “my” mean each person who applies for the MasterCard, MasterCard Gold, Visa, Visa Gold and Visa Platinum credit card or who uses the credit card or duplicate credit card. The word “card” means your MasterCard, MasterCard Gold, Visa, Visa Gold and Visa Platinum credit card and duplicates of said card. The word “account” means your MasterCard, MasterCard Gold, Visa, Visa Gold and Visa Platinum credit card revolving credit account with GTE Federal Credit Union. 1. I hereby apply for a line of credit that I can use from time to time and which may be replenished by payment on amounts previously drawn. 2. Using my credit card establishes my agreement with these terms and conditions. Issuance by GTE Federal Credit Union will establish the following: (a) The credit limit approved shall be determined by the credit union, and this credit limit will be drawn upon as I utilize an issued credit card. (b) The line of credit will be repaid in accordance with the terms and conditions issued by MasterCard, Int’l. and Visa USA, Inc. and in accordance with policies established by the credit union’s Board of Directors. 3. Interest charged on outstanding balances will be at the rates disclosed on any outstanding balances that are not repaid within the allowable “grace period” as established by the credit union‘s Board of Directors. 4. I promise to pay any and all charges incurred by me or by any person whom I authorize to use the credit card issued to me. I further agree to pay any fees or charges assessed against me for any services relating to my account, including but not limited to fees or charges incurred in the recovery of a credit card, in retrieval of transaction data or monthly statements, and in collection of this account. 5. As a holder of a credit card, I understand that I can repay any outstanding balance prior to maturity, in whole or in part, at my option without penalty. 6. I recognize and agree that I will accept any other conditions established by the credit union’s Board of Directors that are necessary to protect the best interest of the credit union and to comply with applicable federal and state laws and regulations. 7. I agree that the credit union can change the terms of this agreement any time. The new terms will apply to new purchases, cash advances, balance transfers and convenience checks, accrued finAnCe ChArgeS that accrue from these balances and applicable fees.The credit union will mail or deliver written notice of the change unless I have already agreed to the change, the change involves late payment charges or over-limit charges, return payment fee or the change is a reduction of a finance or other charge. 8. I acknowledge and agree that the credit union may terminate this agreement under the following conditions: (a) Upon adverse re-evaluation of my credit worthiness (b) Upon my failure to satisfy the terms of this agreement and conditions established by the credit union’s Board of Directors and MasterCard, Int’l. and Visa USA, Inc. (c) At my option or at the credit union’s option if it has good cause. 9. If my line of credit is terminated by the credit union, I shall receive written notice of such termination; however, I understand and acknowledge that such termination shall not affect my obligation to pay any outstanding balance. 10. I understand that the credit union is required to review my loan file at least once every 6 months, and I hereby give my permission to authorize the credit union to investigate and reassess my credit worthiness. 11. I understand that a re-application by me and approval by the credit union shall be required if: (a) The credit limit is increased (b) The terms of payment are extended beyond the terms of the original agreement. 12. I fully understand and agree that if my loans become delinquent or past due, my credit card shall be revoked, unless the credit union determines that extenuating circumstances have contributed to the delinquency; under such circumstances, the credit union may approve my continued use of the credit card. 13. I agree that if it is necessary for the credit union to collect any amounts owed pursuant to this agreement through an attorney or by legal means or to take any actions in bankruptcy court or other court in connection with this agreement, I will pay all costs, including reasonable attorney’s fees. 14. When you use your card for a transaction denominated in a currency other than U.S. dollars, the transaction amount will be converted into U.S. dollars by applying an exchange rate selected by Visa or MasterCard from among the range of rates available in wholesale currency markets or the government-mandated rate on the date the transaction is processed. The rate chosen may vary from the rate Visa or MasterCard receives. In each instance, a Foreign Currency Conversion Fee equal to one percent of the amount of the transaction (expressed as a positive number) will be assessed against your account. 15. SECURITY INTEREST AS A CONDITION OF CREDIT UNION’S OPENING AND YOUR USE OF ANY CARD OR ACCOUNT, YOU HEREBY GRANT CREDIT UNION A SECURITY INTEREST IN ALL SHARES AND DEPOSITS WITH CREDIT UNION IN WHICH YOU HAVE AN OWNERSHIP INTEREST NOW OR HEREAFTER (other than an IRA or an account where this security interest would cause the loss of tax-exempt or tax-deferred status).THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED TO CREDIT UNION UNDER THE TERMS OF THEACCOUNT. IF YOU ARE IN DEFAULT UNDER ANY TERM OF SUCH ACCOUNT, CREDIT UNION SHALL HAVE A RIGHT TO IMMEDIATELY SEIZE YOUR SHARES AND/OR DEPOSITS WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE AMOUNTS OWED TO CREDIT UNION. Item Charge for each Convenience Check Used Convenience Check Returned Convenience Check Copies Convenience Check Stop Pymt Foreign Currency Conversion Fee Foreign Non-Currency Conversion Fee 3.00 % with a minimum of $5.00 $ 29.00 $ 1.00 $ 29.00 1% of U.S. Dollar Transaction Amount 0.8% of U.S. Dollar Transaction Amount DiSCLOSUre reQUireD feDerAL Cash Advances 1. A finAnCe ChArge accrues on cash advances (which includes cash advances, balance transfers, and convenience checks drawn on your credit line that are used to obtain cash, consolidate balances, or purchase goods and services) from the date they are made until the date when payment in full is made for such transactions. There is no time period within which to pay to avoid a finAnCe ChArge. The finAnCe ChArge for a billing cycle is computed by applying the daily periodic rate to the average daily balance of cash advances, which is determined by dividing the sum of the daily balances by the number of days in the billing cycle. Each daily balance of cash advances is determined by adding to the outstanding unpaid balance of cash advances at the beginning of the billing cycle any new cash advances posted to your account, and subtracting any payments as received or credits as posted to your account but excluding any unpaid finAnCe ChArgeS. Credit Purchases 1. A finAnCe ChArge will be imposed on credit purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25 day period, a finAnCe ChArge will be imposed on the unpaid average daily balance of such credit purchases from the previous statement closing date and on new credit purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finAnCe ChArge for a billing cycle is computed by applying the daily periodic rate to the average daily balance of credit purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of credit purchases is determined by adding to the outstanding unpaid balance of credit purchases at the beginning of the billing cycle any new credit purchases posted to your account and subtracting any payments as received and credits as posted to your account, but excluding any unpaid finAnCe ChArgeS. Minimum finAnCe ChArge: If finAnCe ChArgeS are billed in any billing cycle, the minimum billed finAnCe ChArge will be $0.50. 2. The daily periodic rate used to compute your finAnCe ChArge on your credit card is .02463% with a corresponding 8.99% AnnUAL PerCenTAge rATe, and .03010% with a corresponding 10.99% AnnUAL PerCenTAge rATe, and .03558% with a corresponding 12.99% AnnUAL PerCenTAge rATe, and .03832% with a corresponding 13.99% AnnUAL PerCenTAge rATe, and .04106% with Schedule of Current Charges iTeM Return Payment Fee Late Payment Fee Rush Card Fee Rush PIN Fee Cash Advance Fee (by teller) Cash Advance Fee (by ATM) Balance Transfer Card Replacement Statement Copy (per page) Credit Card Payment Fee – CU@Home Web Access, Pay My Bill Branch Transaction (from checking) Mailed to Processing Center Assisted Telephone Payment Payment From Savings or Same Day Credit – by GTE FCU by processor fee $ 29.00 $ 25.00 $ 15.00 $ 15.00 3.00 % with a minimum of $5.00 3.00 % with a minimum of $5.00 plus “surcharge” if applicable 3.00% with a minimum of $5.00 $ 5.00 $ 1.00 Free Free Free $ 5.00 $ 3.00 $ 5.00 M–101046 BY LAW a corresponding 14.99% AnnUAL PerCenTAge rATe, and .04380% with a corresponding 15.99% AnnUAL PerCenTAge rATe, and .04654% with a corresponding 16.99% AnnUAL PerCenTAge rATe, and .04928% with a corresponding 17.99% AnnUAL PerCenTAge rATe. When you open your account, your daily periodic rate is based on your credit worthiness. 3. The minimum periodic payment required is the total new balance as shown on your monthly billing statement if the amount is under $10.00. If the new balance exceeds $10.00, the minimum periodic payment is 2.00% of that portion of the new balance which does not exceed your credit limit, plus the entire portion of the new balance in excess of your credit limit, plus any amount past due, or $10.00 whichever is greater. 4. In the event of suit to collect unpaid balances, all costs including attorney’s fees of 10% of the balance due, or such greater amount as may be reasonable and just, and also those costs, expenses and attorney’s fees incurred in appellate, bankruptcy and post-judgement proceedings, shall be imposed, except to the extent such costs, fees or expenses are prohibited by law. 5. Documentary stamp taxes as may be required by law shall be imposed on each cash advance at the time the loan is made. 6. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check which is not honored by your financial institution, request a copy of a document, make delinquent payments, make charges which exceed your credit limit, request a cash advance, request a replacement card or use your card for a transaction at an automated teller machine, if such charges are not prohibited by law or regulation. All such charges shall be treated as credit purchases for purposes of calculating finAnCe ChArgeS unless prohibited by law or regulation. 7. Credits (including merchandise credits or merchant returns, statement adjustments or refunds) applied to accounts will not be considered as a payment or partial payment. If a balance remains after a credit is applied, a payment will still be required. 8. If you have other loans from issuer, or take out other loans with issuer in the future, collateral securing those loans will also secure your obligation under this agreement. However, unless you expressly agree otherwise, your primary dwelling will not secure your obligations under this agreement even if issuer has or later acquired a mortgage on the dwelling. 9. SECURITY INTEREST (see Line of Credit Agreement, #15) Terms and Conditions The person (“cardholder”) whose name is embossed on the face of the VisaTM or MasterCardTM credit card (“card”), and each cardholder, in the event more than one card is enclosed herewith by signing or using said card, receipt of which is acknowledged, agrees with the issuer of the card, GTE Federal Credit Union (“issuer”) as follows: 1. Goods and services (“credit purchases”) may be purchased or leased by means of such card by cardholder from any retail business establishment (“seller”) who honors same upon the execution of a sales slip evidencing such credit purchases and bearing the account number of cardholder embossed on the face of such card. Please note that you may not receive a receipt for a transfer or purchase of $15 or less. Additionally, Visa or MasterCard cash advances (“loans”) may be obtained through use of such card (a) upon execution of a written request of cardholder in a form furnished to him from any bank that is a member, alone or in association with others, of Visa Inc. or MasterCard Int’l and (b) upon execution of a written separate agreement with issuer for a Visa/MasterCard overdraft financing agreement, if offered by issuer. 2. Cardholder shall be liable and agrees to pay issuer for credit purchases made by, or for loans extended to, cardholder or anyone else using such card unless the use of such card is by a person other than the cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which cardholder receives no benefit. Additionally, cardholder shall be jointly and severally liable and agrees to pay for all credit purchases and loans obtained through the use of any other card bearing cardholder’s account number that has been issued to another person by reason of such person being a member of cardholder’s family, or otherwise issued upon cardholder’s request (all such cards bearing the same Visa or MasterCard account number is hereinafter collectively called “related cards”). 3. Each card is the property of issuer, is not transferable and must be surrendered upon demand. It can be cancelled as well as repossessed by issuer or its designee, and the privileges thereof revoked, at any time without prior notice. 4. Cardholder shall not use card or permit the use of related cards to obtain credit purchases or loans which will increase cardholder’s Visa/MasterCard indebtedness to issuer to an amount in excess of the limit established by issuer. 5. All credit purchases and loans are effected at the option of the seller and cash advancing bank, respectively, and issuer shall not be responsible for refusal by any seller or cash advancing bank to honor the card or any related card. Any refund, adjustment or credit allowed by seller shall not be by cash but rather by a credit advice to issuer which shall be shown as a credit on cardholder’s account statement with issuer. 6. Issuer will send to cardholder, at monthly intervals determined by issuer, a statement reflecting for the prior monthly period all Visa/MasterCard card and related card transactions. Such statement shall be deemed correct and accepted by cardholder and all holders of related cards unless issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by remitting to issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at the cardholder’s option, an installment equal to at least the required minimum payment stated in Item 3 of your disclosure. 7. Interest on loans and credit purchases will be charged in accordance with the finAnCe ChArgeS calculation method referred to in item 1 of the disclosure. The rate of interest shall be established by issuer from time to time, but shall never exceed the maximum rate permitted by law. The current interest rate per annum is the AnnUAL PerCenTAge rATe set forth in item 2 of the disclosure. 8. If the card is cancelled or surrender is demanded by issuer, or if cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are initiated against cardholder or his property, issuer may elect to declare all amounts then owed to issuer to be immediately due and payable without notice or demand of any kind. If cardholder has other loans from issuer, or takes out other loans with issuer in the future, collateral securing those loans will also secure the cardholder’s obligations under this agreement. However, unless the cardholder expressly agrees otherwise, the cardholder’s primary dwelling will not secure cardholder’s obligations under this agreement even if issuer has or later acquires a mortgage on the dwelling. Cardholder agrees to pay all costs incurred by issuer in collecting cardholder’s indebtedness or in enforcing this agreement, including attorney’s fees of 10% of the unpaid balance or such greater amounts as may be reasonable and just, and also those costs, expenses and attorney’s fees incurred in appellate, bankruptcy and post- judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law. 9. This agreement may be amended from time to time by issuer by written notice mailed to cardholder at cardholder’s last known address. 10. Except to the extent that federal law is applicable, the validity, construction and enforcement of this agreement and all matters arising out of the issuance and use of the card shall be governed by the laws of the state in which the card or related cards was issued. 11. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, make delinquent payments, make charges which exceed your credit limit, request a replacement card or use your card for a transaction at an automated teller machine, if such charges are not prohibited by law or regulation. See Schedule of Current Charges in this disclosure. 12. Cardholder may be liable for the unauthorized use of the card or related cards as provided in this paragraph.The cardholder will not be liable for any unauthorized use that occurs after issuer is notified, orally or in writing at: If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong.To stop payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finAnCe ChArgeS, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finAnCe ChArgeS related to any questioned amount. If we didn’t make a mistake, you may have to pay finAnCe ChArgeS, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct. Your right to Cancel your Account You can choose not to accept the changes in this notice by cancelling your account. If you do not wish to accept the changes regardless of whether your account is closed, you may do so by notifying us. Please call or write us a letter advising us that you do not want to accept the change. We will need to receive this call or letter no later than Month Date Year. Please be sure to include your name, address and account number and send the letter to P.O. Box 172599, Tampa, FL 33672-0599, or call our toll free number 1-888-2690, Ext 40436. Please note that if you do not choose to accept the changes: – You’ll still be responsible for any outstanding balances on your account. – Your card will no longer be of use for new activity, including purchases as the account will be closed(if it is not already closed) – Any reward points you have earned will be forfeited unless you call us to redeem your points before your account is closed. If you have any questions about these changes, please contact us at 1-888-871-2690. Special rules for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.
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cengland0 cengland0 (2804 days ago)
Obviously you're being sarcastic by posting the entire credit agreement. For example, I find it hard to believe you don't understand the last sentence that says "These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services." If you're serious, then you really need more help than I can provide you in the limited time I want to allocate and you need to go back to grade school instead.
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Obviously you're being sarcastic by posting the entire credit agreement. For example, I find it hard to believe you don't understand the last sentence that says "These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services." If you're serious, then you really need more help than I can provide you in the limited time I want to allocate and you need to go back to grade school instead.
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Guest: PeterLondon1 (2803 days ago)
You're from the USA - so you don't understand sarcasm - it's too sophisticated for you - especially a simple bank clerk. Anyway, it's not sarcasm. It's called "reality". Try it out one day - give it a spin. You may like it!
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You're from the USA - so you don't understand sarcasm - it's too sophisticated for you - especially a simple bank clerk. Anyway, it's not sarcasm. It's called "reality". Try it out one day - give it a spin. You may like it!
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Guest: PeterLondon1 (2805 days ago)
Innovation is supposed to make our lives easier, giving us more time for our families, leisure, personal development and to help our fellow humans. Not to just spend more time in effective slave labour on the corporate grind. I don't want to work so many hours that I don't have time to enjoy the fruits of my labours and the inventiveness of my fellow man. What is the point of all these inventions (many of which it's true, the USA has led the way in) if it's not to make our lives happier? Oh no, I forgot the cengland0 mantra: MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY.
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Innovation is supposed to make our lives easier, giving us more time for our families, leisure, personal development and to help our fellow humans. Not to just spend more time in effective slave labour on the corporate grind. I don't want to work so many hours that I don't have time to enjoy the fruits of my labours and the inventiveness of my fellow man. What is the point of all these inventions (many of which it's true, the USA has led the way in) if it's not to make our lives happier? Oh no, I forgot the cengland0 mantra: MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY MONEY.
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cengland0 cengland0 (2805 days ago)
Probably the main reason people innovate in the US is because we have a great patent system that allows us to own our designs for many years and we can monopolize on it by offering the product or service exclusively. Nobody is legally allowed to copy your design until the patent runs out. And regarding your MONEY, MONEY, MONEY comment, that's not what my whole life is about. I want to be rich and work very hard to get there. I don't feel it's right that lazy people that don't work as hard should be able to take my money away and get a free ride in life. They can work hard too but, like you PeterLondon1, you care more about time with your family and leisure so I don't want to be the one to pay for anything you need in life. Go have fun and let the rich work hard and keep the money they earn without judging them and hating them for having too much money. They earned it or inherited it from someone who did earn it.
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Probably the main reason people innovate in the US is because we have a great patent system that allows us to own our designs for many years and we can monopolize on it by offering the product or service exclusively. Nobody is legally allowed to copy your design until the patent runs out. And regarding your MONEY, MONEY, MONEY comment, that's not what my whole life is about. I want to be rich and work very hard to get there. I don't feel it's right that lazy people that don't work as hard should be able to take my money away and get a free ride in life. They can work hard too but, like you PeterLondon1, you care more about time with your family and leisure so I don't want to be the one to pay for anything you need in life. Go have fun and let the rich work hard and keep the money they earn without judging them and hating them for having too much money. They earned it or inherited it from someone who did earn it.
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Guest: GetYourFactsRight (2805 days ago)
Oh and another one - LINK LINK
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Oh and another one - LINK LINK
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Guest: Bursary Bill (2804 days ago)
cengland0, please change your name. You are such a minge. People will begin to think that all englanders are like you, a boring dorkish, minge. A snivveling worm, a griper, a sack of brown and smelly - abore. Forgive the nauseating scrote people of the world. England has much to offer and all are not like him, nasty little creep.
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cengland0, please change your name. You are such a minge. People will begin to think that all englanders are like you, a boring dorkish, minge. A snivveling worm, a griper, a sack of brown and smelly - abore. Forgive the nauseating scrote people of the world. England has much to offer and all are not like him, nasty little creep.
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cengland0 cengland0 (2805 days ago)
Ah ha. I knew someone would challenge me on some of these inventions. I looked them up and saw the controversy before posting them. So, someone thinks Alan Turning invented the computer. Tell me which computer did he create? If you want to use that kind of information, then look at Charles Babbage in 1822. Mr. Babbage is from the UK but he never finished his computer. So then look at Konrad Zuse from Germany. That computer was called the Z1 but have you ever heard of a Z1? It was still electro-mechanical. Then you had Tommy Flowers in 1943 create the Colossues which was the an electric programmable computer. Unfortunately, that was 1943. In 1937 when the Atanasoff-Berry Computer was created (ABC) that the first digital computer was here. The US Federal Judge Earl R. Larson decided that the ENIAC patent was invalid because of this ABC computer was the first computer. The ABC computer was continued to be developed at Iowa State College - IN AMERICA
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Ah ha. I knew someone would challenge me on some of these inventions. I looked them up and saw the controversy before posting them. So, someone thinks Alan Turning invented the computer. Tell me which computer did he create? If you want to use that kind of information, then look at Charles Babbage in 1822. Mr. Babbage is from the UK but he never finished his computer. So then look at Konrad Zuse from Germany. That computer was called the Z1 but have you ever heard of a Z1? It was still electro-mechanical. Then you had Tommy Flowers in 1943 create the Colossues which was the an electric programmable computer. Unfortunately, that was 1943. In 1937 when the Atanasoff-Berry Computer was created (ABC) that the first digital computer was here. The US Federal Judge Earl R. Larson decided that the ENIAC patent was invalid because of this ABC computer was the first computer. The ABC computer was continued to be developed at Iowa State College - IN AMERICA
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Guest: klavier (2805 days ago)
On this very website you've said about yourself, 'I don't like my life anyway' and 'I have a job but no life worth mentioning.' Don't you think perhaps that your attitudes towards life in general may be the problem? Or that other people with attitudes like yours might just be the root of most of the world's problems?
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On this very website you've said about yourself, 'I don't like my life anyway' and 'I have a job but no life worth mentioning.' Don't you think perhaps that your attitudes towards life in general may be the problem? Or that other people with attitudes like yours might just be the root of most of the world's problems?
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Guest: klavier (2805 days ago)
P.S. Sorry, I should have been clearer. This was directed at cengland0, just in case anyone might have wondered...
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P.S. Sorry, I should have been clearer. This was directed at cengland0, just in case anyone might have wondered...
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cengland0 cengland0 (2805 days ago)
Do you consider me not liking my life a problem? It doesn't affect my ability to do anything. I just haven't found anything that I enjoy -- that's all.
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Do you consider me not liking my life a problem? It doesn't affect my ability to do anything. I just haven't found anything that I enjoy -- that's all.
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