On Donations and other beasts

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	On Donations and other beasts February 28th 2002, 14:05 CET by Morn [topic deleted because Paypal are criminals]

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#27 by Morn
2002-02-28 19:57:44

Yes, we've been together for more than 4 years already. We're not married yet, though, so there were no wedding rings I could sell. Damn. ;)

Hendrik "Morn" Mans • morn@planetcrap.com • admin/coder/kraut

#28 by Bailey
2002-02-28 20:07:47

Sigh. All the craplinks are directing me to Chromag, which I can connect to easily but it seems no one else can. I weep for the children. Well, not really, more me than the children.

Sir, you are seriously hunting my wumpus.

#29 by m0nty
2002-02-28 20:09:11

Try eu.craplink.net.

#30 by m0nty
2002-02-28 20:11:13

Or just scroll back up to #12 where Morn explains all. ;)

#31 by Bailey
2002-02-28 20:40:32

I did try the eu! No worky!

Sir, you are seriously hunting my wumpus.

#32 by Bailey
2002-02-28 20:40:59

Never mind, third time's the charm.

Sir, you are seriously hunting my wumpus.

#33 by bluishred
2002-02-28 21:07:19

does paypal accept bowls of curry as a form of donation?

#34 by Narcopolo
2002-02-28 21:17:01

Mozilla's integrated IRC client seems to work. I don't know why this is a bit of a shock to me, it was practically painless. Oh well, I'm not keeping score anymore, I like it, I'll keep it.

#35 by Leslie Nassar
2002-02-28 21:55:38

Narcopolo, which build of Mozilla are you using? I tried the integrated IRC about a week ago and it caused an AV right off the bat.

#36 by Narcopolo
2002-02-28 23:23:23

The latest version, 0.9.8

This is the first time I've tried it since I freshly installed Windows two months ago, so that might be part of it.

#37 by Bailey
2002-02-28 23:59:01

Only you can save this site from financial ruin or cruel jokes on Fucked Company.

Sir, you are seriously hunting my wumpus.

#38 by Duality
2002-03-01 00:18:47

Would morn make it onto Fucked Company? I thought you had to be a company to do that. Unless morn's got a turd in his pocket helpin' him code, I don't think he has any company.

-duality
... disguised as a genderless burrow owl ... 6.0!

#39 by Matthew Gallant
2002-03-01 00:22:16

Well, he is German.

Marketing is a crutch for mediocrity and a handicap to excellence.

#40 by The_Joker
2002-03-01 00:25:18

#26 by crash:

Damnit!

#33 by bluishred:

LOL

Joker, Ph.D. Procedural Assholian Behaviour, Pedophilosopher
- All your ass are belong to my wang Jafd. Prepare to are penetration.

#41 by LPMiller
2002-03-01 00:51:29

trillian seems to work fine with crapchat.

What's the point of wearing your favorite rocketship underpants if nobody ever asks to see 'em?

#42 by Gossip
2002-03-01 10:52:39

#41

It does indeed.

Carlo "Gossip" Zottmann ·· G-Blog.net ·· Planet Jumpgate

#43 by jafd
2002-03-01 13:08:28

Unfortunately PayPal does not support neuter characters. :/

Nevertheless arrangements have been made.

I want a sub-crap with access exclusive to those who have donated non-trivial amounts. (Cash, I mean, not just content. d(:)

Thank

you!

choose any two: Cheap, Fast, Good.

#44 by Warren Marshall
2002-03-01 16:09:37

Shit, a few dollars a month is the least I can do considering the bandwidth I chew up on this site. :P

I am a magnificent three toed sloth.

#45 by Desiato
2002-03-01 17:57:38

Just so everyone knows - you can also utilize babblefish and amazon.de to donate something off of 'hendrik@mans.de' wishlist. Here are a few links....and yes, I'm doing this without any prompting.
It seems the right thing to do considering all the work morn has put into this site, and the fact that I'm constantly entertained by the IRC channel and now Blah as well.

Herr m0rn's wishlist: Here.
Bablefish: Here.
Currency Converter: Here.

Note: Don't use a comma when converting, or you might have a heart attack as it parses 61,35 as six thousand one hundred thirty five euros. For us in the USA, current rate as of this posting is 1 USD = 0.864965 Eur.

Why Amazon.de? Simple. They source it locally and ship it - not across oceans and continents.

I did it, its easy....you can even pull up the english site and go along - most of the formatting is the same.

Desiato

#46 by Desiato
2002-03-01 17:59:41

Postscript:

I meant by "pull up the english site and go along" as using the english site as a guide for what to do if you don't feel like doing all that translation....I did not mean ordering from it.

Heh.

Desiato

#47 by HoseWater
2002-03-02 01:32:09

Hmmm..... I'd like to contribute, but I am creditless.

I have a personal rule that I live on what I earn, and not a cent more. Part of that means the only creditcard I have, is work issued, and unless I could somehow convince them that planetcrap was work related, I could end up causing myself a world of pain.

How about a mailing address for one of those old antique things called cheques or money orders?

The internet needs a plan B for dealing with money, it drives me nuts that the credit companies of the world seem to have taken it over without even trying.

I need a card that I can preload with real earned cash. I wonder if such a thing exists.

#48 by None-1a
2002-03-02 01:42:36

I need a card that I can preload with real earned cash. I wonder if such a thing exists.

Yes it's called a debit card and a seperate checking account just for the card (tho it tends to not be a great idea to use them online since the protection veries from bank to bank). I also remember someone once linking to a p0rn card that was supposted to be used to pay for sites (of course not being backed by a major credit company means sites have to out of their way to support such a thing).

O and all of you people bitching about paypal not taking any thing but credit cards, sign up for an accont. That will let you do a EFT to add money to the paypal account to use to pay for the donation.

#49 by HoseWater
2002-03-02 01:47:10

Well, I have a debit card...I practically live off the damn thing...what's money look like again?

But I've yet to see a website say Visa/Mastercard/Scotiabank debit/diners.

As for those of up bitching about paypal not taking anything but ccards...the last time I checked, paypal would not work transfering cash directly from a Canadian bank account. Did that change?

#50 by jjohnsen
2002-03-02 01:51:22

Wow on the Amazon wishlist it says the Tripods show is on DVD in Germany, anyone know if it's available in the U.S.?

Coarse and violent nudity. Occasional language.

#51 by None-1a
2002-03-02 02:02:35

But I've yet to see a website say Visa/Mastercard/Scotiabank debit/diners.

That's a damn funky debit card seeing that most of them are issued by Visa/Mastercard so they can be used any where those are taken with out needing the buisness to do any thing extra.

As for those of up bitching about paypal not taking anything but ccards...the last time I checked, paypal would not work transfering cash directly from a Canadian bank account. Did that change?

Wired the only thing the site talks about is withdraws to international banks (allowed is some areas), nothing about going the other way. Hum guess the only way to find out would be to e-mail them and ask (seeing that I don't really care that much I'll leave it up to someone else)

#52 by HoseWater
2002-03-02 02:10:34

Seems we have an international banking language communication breakdown on the go here.

Time to back it up a bit so we are on the same page.

In Canada here, like every other civilized country I assume, we get cards from the bank for use in bank machines. That card, here is known locally, among other things, as our debit card. We can use it to spend money straight out of our account pretty much anywhere there's a cash register.

In Canada, this is a very, very popular way of spending money. Instead of withdrawling money from a bank machine to spend elsewhere, we just leave the money in the bank until we are ready to spend it, using the bank issued debit card which sucks money straight out of our checking accounts.

Visa/mastercard have nothing to do with the process.

What sounds funky (and exciting) to me, is that you think they have a credit companies have a debit card...this is something I am going to have to look into. (PS how do they make money off these things?)

As for paypal, I suspect nothings changed, and you still need to have an American bank account to use it without credit.

#53 by Duality
2002-03-02 02:27:42

HoseWater: You can't use it as a credit card? Every one that I've seen is supported by one of the major CC companies. My bank happens to use Visa. My parents' bank uses MasterCard.

"sometimes america confuses me when i think about it. that's why i try not to think about it too much." :crash

#54 by HoseWater
2002-03-02 02:29:59

If I had a credit card, I could use it as one...of course. But I don't.

I have a debit card. See message #52 for long winded explination of what I mean when I say that. :)

#55 by None-1a
2002-03-02 02:34:48

What sounds funky (and exciting) to me, is that you think they have a credit companies have a debit card...this is something I am going to have to look into. (PS how do they make money off these things?)

They add a small charge for it (I would assume your bank does something to the same effect when you use the card). The cards simply work with the visa/mastercard system (every thing is still done via your bank), just makes things easyer when traveling since you don't need to worry about what bank/atm system is used in the new area.

#56 by HoseWater
2002-03-02 02:41:03

Looked around, noticed I did not have a broken leg.  Decided to goto to visa's web site to see what this credit company debit card stuff was all about since no one else seemed willing to do it for me.

Seems they do have one.  Sounds like exactly what I want. To order one, they point me at my banks website, which of course have zero, nothing, nada, and zip about the issue.

Looks like I'll actually have to talk to them.  I've not been in a bank, or talked to one since the day the ATM was invented, except once to get a new debit card to replace a worn out one.  This should be interesting.  Hell, my local bank branch is like 100Km's away from me.  Never bothered to change it since I never have to actually go there.

#57 by Darkseid-D
2002-03-02 02:53:13

my fiancee`s credit union has a `credit` card that you can `precharge` with funds. Requires a minimum balance of something like $100 and you cant charge more to it than youve put funds onto it for. Something like that would do you fine, Id imagine.

Ds

Never argue with an idiot, theyll drag you down onto their level, then beat you with experience.

#58 by HoseWater
2002-03-02 03:11:38

Yep, that would do the trick. I sent the bank an email asking if they had anything like that.

#59 by Duality
2002-03-02 03:46:57

Yeah Hose. A debit card, here in the US, is exactly what you described, plus can be used as a credit card -- but instead of using a credit card account, it pulls funds directly from the checking / savings account.

I say its part of MasterCard / Visa because its either accepted as one or the other (whoever the bank has an agreement with).

Sorry if I didn't say it clearly the first time. :)

*smooches*

#60 by chris
2002-03-02 09:41:05

Now there will be much subscribing.

Also, I bet my avatar's broken... mr0n - there's no way to say "stop using an avatar" in the user prefs at the moment. =)

-chris

#61 by chris
2002-03-02 09:41:24

hm... still works. Still, it should be disable-able, no?

-chris

#62 by Bailey
2002-03-02 10:51:25

Penny Arcade geek.

Sir, you are seriously hunting my wumpus.

#63 by JMCDaveL
2002-03-03 05:00:59

He's just flaunting his gamespy whoredom :P

--jmc

#64 by Hugin
2002-03-03 07:35:59

Hosewater, what you're initially describing as a debit card is often just called an ATM card in the United States. You can get cash from cash machines with it, or pay for basic items in a lot of stores like grocery stores or pharmacies. But it has no Visa/Mastercard logo. You can't buy thing online with it. And you cant use it in a lot of cases, for high end purchases, you can't use it to say, directly buy something at...Best Buy or Home Depot. Some banks don't even bother to issue these anymore, and just immediately give all thier customers debit cards.

Debit cards, at least in my area (east coast US), are also often called check cards. They do have Visa/Mastercard logos, and you can use them to make whatever purchase you like, as long as you have the funds to cover it in the bank. You could buy a car with one, concievably, or online purchases.

And then a true credit card has the Via/Mastercard logo, but is tied to a line of credit, not your checking account, you can buy more than you currently have, and pay it off through monthly billing.

#65 by jafd
2002-03-03 11:37:58

you can buy more than you currently have, and pay it off through monthly billing.

Water, I agree with your personal rule above, I know the feeling. So I don't mean to be telling you what to do here...

but aren't you wasting time and adding extraneous unhappymaking by sticking to it so strictly? I mean, yeah, don't buy shit on credit. A sound strategem. But what's stopping you from just getting a credit card, budgeting it out, and paying everything off at the end of every month?

I mislike discussing other people's business in public, eh, but you brought it up. While I certainly respect your desire to keep temptation away... It's 2k2! Embrace the dark lords. It'll make you look cool and older.

choose any two: Cheap, Fast, Good.

#66 by None-1a
2002-03-03 12:36:48

but aren't you wasting time and adding extraneous unhappymaking by sticking to it so strictly? I mean, yeah, don't buy shit on credit. A sound strategem. But what's stopping you from just getting a credit card, budgeting it out, and paying everything off at the end of every month?

Every one should have one card they do that with. If for nothing else building a good credit rating for other crap.

#67 by Duality
2002-03-03 13:41:53

I can't begin to count how many times I've been told that 'a good line of credit' is just utter bullshit.

Mind you, I don't actually know whether that's true or not, but it seems that I hear that rather often.

*smooches*

#68 by HoseWater
2002-03-03 15:08:09

HUGIN: Hosewater, what you're initially describing as a debit card is often just called an ATM card in the United States.

Yep, we call it that too.  I covered that aspect when I said we call it a debit card and added the phrase 'among other things'.  And you are right on the money, that is exactly what I do have, and what I am talking about. My understanding is that while you guys can get the same thing in the US, its not very popular. In Canada, for a lot of people, it has almost 100% replaced the need to carry around paper money.  We use the darn things everywhere, very high adoption rate.

As for size of purchase, I have no idea what the limits are, they seem to be only limited by the funds in bank account.  The largest item I can recall purchasing with it recently, is my beloved snowblower.

What you guys call debit cards, is what I am now trying to get, but it seems I've hit a roadblock already. After learning about the debit card (your definition), I checked VISA's website to see what this was all about.  They then referred me to my bank's website to review its product offerings, coming up empty handed, I then fired off an email to my bank to enquire about the product.  They replied:

Currently, Scotiabank does not offer a VISA Cash Card. We are running a
pilot-project for this type of card in Barrie Ontario. We plan to offer
this card in the future, however we are unable to provide you with a date
as to when this product will be available.

So, as if we did not have enough communication problems with the naming of all this stuff, it seems that the product I am looking for that you call a debit card, will in fact be called a VISA Cash Card around here. They probably had to use a different name due to the popularity of the previously mentioned 'ATM/debit' card that I already have.

JAFD: Water, I agree with your personal rule above, I know the feeling. So I don't mean to be telling you what to do here...

Well I am glad I am not being too off the wall with my financial management concepts, that some people can at least see some good in it. As for discussing it, that's fine, like you said, I brought it up, so it's on the table now. Open for discussion now. :)

JAFD: but aren't you wasting time and adding extraneous unhappymaking by sticking to it so strictly? I mean, yeah, don't buy shit on credit.

Yes, the way the world is wired at the moment, it does cause some problems. But new products are comming soon that will make things much easier in some respects. (Like the VISA Cash card). Day to day though, its not an issue. I have a house, and a car. The car I just paid for, the house, I am still working on, the bank still owns some of it. Personally, I find credit card companies repulsive, the way they operate in my mind, is just one small almost unmeasurable notch above the mob, and bordering on very criminal. Of course, it all comes back to how the card holder behaves, but it's just not a game I want to play with my money. I figure yeah, if I want to make a somewhat large purchase, I could just toss it onto a credit card, and pay it off a bit here, and a bit there, and in no time at all, I will own what ever it is my heart desires.  But...in the process, I will have overpaid for the item, and subjected myself to those nasty credit compaines that I do not hold in very high regard.  I learned to do the exact same thing, in a cheaper, and safer way. Should I want to buy something somewhat large, I have a seperate bank account called my savings account.  I also have an arrangement with my bank, that automatically transfers money from my chequing account into my savings accout at regular intervals, and more often than not, when I want to buy something, there is a sufficient stock pile of my own cash sitting there waiting to be used. And that account can be accessed with my debit card just as easily as my chequing account.

This is of course all very elementary. Some people buy shit, then pay for it, I choose to save my money, then buy shit.  The cool thing, is they even when I am not buying shit, I am still stock piling money. So generally speaking, when I want something, I don't have to wait untill I have saved enough, it's already there waiting to be tapped.

In a little over a week, I'll be 35 years old. Not counting a minor amount owing on the house, which would be more than covered should I sell it, I don't owe anybody one cent. There is a certain satisfaction, and peace of mind that comes from being able to say that. It is a point of pride for me. I still buy houses, cars, investiments, and have done some travelling, I really don't feel like I am missing much.

The only hitch I have run into, and this I admit is kind of annoying, but because it is so trivial, that in the end, I can only laugh, is that the only company in the world I seem unable to do business with, is the fucking video rental store.  That makes me laugh, because they have people comming into their facilities in debt up to their eyeballs without a pot to piss in, or a window to throw it out of, just one missed pay from being in a world of shit, and that person, they will do business with.  In the end, I can only laugh and say....whatever. Fortunately, I am not the type to rent a movie, and watch it alone.  So who ever I happen to be with, gets to do the honours of renting the required entertainment.

Every one should have one card they do that with. If for nothing else building a good credit rating for other crap.

Yes, I actually kinda sorta agree with this. But then I don't. I have no intention of using credit, so I have no use for a good credit rating. I managed to purchase a house, and that is not the kind of thing the average joe would put on a credit card anyways, and by way of that, I establish my positive credit history. For any other use of a credit card, I have a savings account that I am guessing matches the spending limit of most of the average joe's of the worlds credit purchasing power, and often times probably exceeds it by a generous amount.

That brings me us up to date, and reveals the problem of not having a credit card in modern times. I want to buy something over the net, I pretty much need a credit card. This was in fact annoying the hell out of me. But I have now learned of a new product by participating in this thread that is going to save the day, and while my bank does not yet offer it, they were pretty clear in indicating that they will have one in the future, and already running a pilot project.

It might not be the easiest life, but there is one less thing between me and a good sleep every night.

(I hope this does not come off as all preachy and everything, don't get me wrong, I don't dislike credit users, its credit companies I have the problem with.)

#69 by Funkdrunk
2002-03-03 15:54:47

Duality

I can't begin to count how many times I've been told that 'a good line of credit' is just utter bullshit.

You don't need a good line of credit, but it sure helps.

A friend of mine went through a messy seperation with his girlfriend.  They had bought a house together, and as part of the seperation she kept the house.  However the mortgage was in his name.  So to "pay him back"  she would pay the mortgage every 4 months.  Often enough that she was in no risk of losing the house, but infrequent enough to leave him with a few 90 day deliquent marks on his credit report.

He found out about it and had the mortgage moved to her name.  But there was nothing he could do about the credit report.

A year or so later, he saved up enough money to buy a new house.  When he applied for a mortgage he got rejected by most mortgage companies.  And the one that would give him one is charging him 15% interest (at the time the rates were 6.5%).

Basically, you can always find someone to give you a loan.  But if you have bad (or no) credit history, the interest rate goes way up.

Funk.

#70 by Gunp01nt
2002-03-03 16:29:16

hugin:

You can get cash from cash machines with it, or pay for basic items in a lot of stores like grocery stores or pharmacies

we have the same thing in holland, except here it's standard. Dutch people don't like spending money they don't have, therefore everyone with a bank account has a PIN-pass that you can use in ATM machines and you can also use it to pay in 90% of the stores (they charge a few cents for small amounts). it's very secure because you need to type in your 4 digit PIN (Personal Identification Number) code for it to work (typing a wrong code at an ATM 3 consecutive times will result in your card being 'eaten' by the ATM)

<<< Do you believe in a god that tells you lies or do you believe in me? >>>

#71 by HoseWater
2002-03-03 16:38:46

Yeah, we have the same card in Canada, but we can use it not just at ATMs, but also at pretty much every cash register in the country. No worry of your card getting eaten though since it's just a swipe deal instead of an insert thing.

#72 by chris
2002-03-04 04:32:48

I think the moral of that story is not "Make sure to have a good credit rating", but "Don't buy a house with someone you're not married to.. and even then think real hard about it."

Or possibly "Don't let a mortgage stay in your name for a house you're not living in"

The credit rating thing is way secondary to either of those two rules. =)

-chris

#73 by Funkdrunk
2002-03-04 04:40:22

Chris/shai

I think the moral of that story is not "Make sure to have a good credit rating", but "Don't buy a house with someone you're not married to.. and even then think real hard about it."

I had to explain the why of how his rating got so badly messed up. If I just said, his rating was bad, so his interest rate was high... well it would be boring....

Funk.

#74 by Bailey
2002-03-04 07:40:01

I like apartments over houses. Why would you want something you have to paint, mow, and shovel yourself? Who needs all that space? Ahhh, one bedroom apartment, you're my only friend.

Sir, you are seriously hunting my wumpus.

#75 by crash
2002-03-04 08:02:16

i like houses over apartments. plenty of parking, idiot neighbors are more than a 2x6 and some sheetrock away, an enclosed garage, and i can do anything i see fit to it without having to ask permission. oh, and after ~15 more years, it's worth more than i paid for it. works for me.

- if you can laugh at it, you can live with it.
- "Hey, how 'bout this: fuck you." -LPMiller

#76 by Terata
2002-03-04 10:34:16

In a little over a week, I'll be 35 years old. Not counting a minor amount owing on the house, which would be more than covered should I sell it, I don't owe anybody one cent. There is a certain satisfaction, and peace of mind that comes from being able to say that.

Here here. I've very determinedly maintained a similar position, and hope I can say the same thing at 35. I do have a credit card though, never use it, but just in case.

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