Quotes of All Topics . Occasions . Authors
Quite often I can be in a bookshop, standing beneath a great big picture of myself and paying for a book with a credit card clearly marked John Grisham, yet no one recognises me. I often say I'm a famous author in a country where no one reads.
They're pushing credit cards. They don't take Visa, but they do take American Express, or they don't take this one, but they take that one, or you'd better bring this one, or if you forget who you are, look on your credit card; it will be there.
First, pay off your high-interest-rate debt. If you have student loan debt - that's low interest rate; that has a tax benefit - you can leave that out. A mortgage can be an OK one. Credit card debt is poison. That needs to be paid off right away.
To bring down your credit card balances, write down the benefits of reducing your debt. No more gnawing feeling that you're throwing money away, perhaps. More money flowing to other financial objectives. Then consult the list when you have doubts.
I say all the time I think there should be some courses in the regular schooling system that isn't, even like about credit, things that matter later in life. I learned the harder way: 'Look, I got a $500 credit card in the mail, let's go shopping!'
With paper printed books, you have certain freedoms. You can acquire the book anonymously by paying cash, which is the way I always buy books. I never use a credit card. I don't identify to any database when I buy books. Amazon takes away that freedom.
It wasn't until I stood in my truth and told everybody that I had $250,000 in credit card debt. At that point, everything turned around for me. I had to reveal the truth about what I didn't have, more than pretend about what I did. That was interesting.
The truth is the Republican leadership has created a credit card Congress that is recklessly selling out the future of America, our children and our grandchildren, and President Bush is the most fiscally irresponsible President in the history of America.
I'm constantly amazed that owners and managers of all businesses don't train their people to call the person who pays by credit card by name. It definitely makes the customer feel good and will be a factor in bringing them back to your place of business.
We're risking the future of the net. People are already losing their trust. Once you get burned once - somebody steals your credit card, or makes a purchase on your account - people tend to stay away from online commerce and from trusting online services.
There are many random, unprotected sites online that appear safe to use and are ready to accept credit card information. You wouldn't give a stranger off the street your credit card information, so be extra cautious about who you are sharing it with online.
No other facet of American business is more corrupt, more intoxicated with illegality, more weakly regulated, and has a greater impact on poor and working people than debt collectors; not credit card companies or subprime mortgages, not even payday lenders.
Everything we do in the digital realm - from surfing the Web to sending an e-mail to conducting a credit card transaction to, yes, making a phone call - creates a data trail. And if that trail exists, chances are someone is using it - or will be soon enough.
It's like, hmm, there's people with $2000 weaves that could have bought health care with that weave money. They don't have insurance. People want what they want. And I guess that is a reason we have this big credit card problem and a lot of these foreclosures.
I am president of Russian Standard Company, biggest luxury vodka in Russia. My bank, Russian Standard Bank, issues biggest number of credit cards in Russia. I want for Russian people to have their own best vodka, their own best bank, their own best credit card.
At its core, bitcoin is a smart currency designed by very forward-thinking engineers. It eliminates the need for banks, gets rid of credit card fees, currency exchange fees, money transfer fees, and reduces the need for lawyers in transitions... all good things.
The technology, called near-field communication, involves a microchip that can send and receive data across very short distances, about four inches. Instead of swiping a credit card, you hold your phone near a reader and let the data zip between the two devices.
I want you to hear from God. God already spoke to me what I'm going to write out. You're going to write your checks to Paula White Ministries. If God tells you to give $12.99, do it. Whatever the Holy Spirit speaks to you. If you need to give by credit card, do so.
It's really frustrating when you're an identity-theft victim, and you go to the police and you say, 'This guy in Florida, he stole my name and got a credit card - this is his address,' and they say, 'We don't have jurisdiction in Florida. You need to go to the FBI.'
We think, over the long term, the real key to value of a bank is does it have true deposits from true long-term customers? People who actually know the bank, live in the neighborhood, work there, maybe have a mortgage there, credit card... That, to us, is the key to a bank.
If you have a debt issue or credit card issue, start dealing with it. If you have a tax issue, don't just say, 'I'm not going to file.' There are ways to deal with these things, but you must communicate with your creditors, whether it's a credit card company or tax department.
Here's my rule: You always want to pay cash for your own books, because if they look at the name on the credit card and then they look at the name on the book jacket, then there's this look of such profound sympathy for you that you had to resort to this. It really is withering.
Before the CFPB, there was no single agency or entity within the federal government tasked with protecting Americans from predatory or negligent practices of banks, credit card companies, mortgage lenders, payday lenders, credit rating agencies and other financial service businesses.
There's more student debt than credit card debt! Everywhere I go, I run into young people trying to build careers while they keep shelling out money on their education loans. If the economy is looking for a new generation of home-buyers, I can't imagine they'll get it from these folks.
What Wall Street and credit card companies are doing is really not much different from what gangsters and loan sharks do who make predatory loans. While the bankers wear three-piece suits and don't break the knee caps of those who can't pay back, they still are destroying people's lives.
Oh, I think there are a lot of people who would be buying and selling online today that go up there and they get the information, but then when it comes time to type in their credit card they think twice because they're not sure about how that might get out and what that might mean for them.
Stripe makes it easy for anyone, be it an individual or a small business or a large business, to accept credit card payments on the Internet. We want to give control to the user or the business to define what the experience looks like. We work on a website or a mobile app, or whatever between that.
By working toward a financial objective, you'll start to see the money add up for retirement or the credit card balance go down. But it doesn't have an immediate impact on your day-to-day life, and when it does - like when you're pinching pennies to save more - the immediate impact could feel negative.
I call up Amazon. It seems to me they do a major thing wrong, right. I mean, they protect me against the loss of a $50 liability I have of something on my credit card, but they do nothing to protect me against somebody who is watching to see what books I'm interested in, what new perversions I've developed.
You have two pages, that's the whole credit card agreement. The terms are clear and flat and easy to see so anyone can read them. So you could lay four credit cards in front of you and say, 'Oh, that's the one that has the highest rate, that's the one that has the really scary provision that could hurt me.'
We were orbiting around the idea of intent and context. We would take the bus into work, and if you said, 'Here's a shirt you might like,' and I open it on my mobile phone, I'm not going to pull out my credit card and wallet. We thought, 'How does someone do this? An e-mail to yourself, or you try to remember?'
I have no credit cards. That was the decision that was made jointly by the credit card companies, and by me. I can't say that that was completely on my account. I buy nothing on credit now, nothing. If I can't afford it, I don't buy it. I have a debit card, that's all I have. Any debt that I have, I am paying down.
I get heartfelt thanks from all kinds of people. Today I heard from a waitress in Georgia who has lost her job and is trying to figure out how her local bank can change the terms on her credit card, and I heard from a physicist at a major research university who wants to explain a better theory of financial stress tests.
At the time of my second marriage, my husband was in his early 50s, I was in my mid-40s, and we each had two kids. We maintained our individual accounts and opened one for the house. We each kick the same percentage of our incomes into the house account and have a joint credit card. But we pay for our children separately.
In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.'
As a small business owner, I've had to find ways to keep costs as low as possible while still providing customers with the ability to use their credit cards for payments. Many credit card processing companies are so expensive when it comes to fees that it started to feel like a losing proposition to offer this payment option.
When you shop online, wouldn't you like to sample the bouquet of wines, the aroma of cigars, or the subtle fragrance of flowers before surrendering your credit card number? Surely more companies will want to aromatize their Web presence when they realize there's a device that can produce genuinely pleasing, authentic fragrances.
I'm not proud of this at all, but I'm someone who has relied on business managers and accountants and career managers to run the whole bureaucratic side of my life for the last 16 years, so anything, from filing tax returns to paying credit card statements, is something that I feel rather fortunate to have been out of the loop on.
Limos, from the beginning of time, they know who they're picking up, they usually have a credit card on file, they know where the pickup location is, and so there's essentially a prearrangement of sorts, and, of course, the limo customer knows the driver, knows the company, knows the rates. All we've done is make it more accessible.
The truth is, I never travel without cash. I always take a few tens with me in case of an emergency. There's never been an emergency, and in time, I realized that Americans don't want to touch customers' dirty bills. They also don't want to touch your credit card: you have to put it through the machine yourself, with your own fingers.
No one anticipates divorce when they're exchanging vows, and it can be devastating emotionally and financially. To ease the financial side of the blow, you need to maintain your financial identity in your relationship. That means having your own credit history - you need your own credit card - and your own savings and retirement accounts.
Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.
Debt is a trap, especially student debt, which is enormous, far larger than credit card debt. It's a trap for the rest of your life because the laws are designed so that you can't get out of it. If a business, say, gets in too much debt, it can declare bankruptcy, but individuals can almost never be relieved of student debt through bankruptcy.
With Bitcoin, every transaction is publicly verified, so many risks are eliminated, including chargeback fraud or 'friendly fraud.' This is when a customer purchases something online with a credit card; waits to receive the goods or service, then requests a chargeback refund. The bank then forcibly takes the funds out of the merchant's account.
It's an amazing time to be an entrepreneur because not only is the stuff getting more capable and powerful, but it's becoming more reliable and the costs are coming down dramatically. So you can go out as an entrepreneur and start a company on a credit card and go to AWS and a few other services and be pretty virtual and, who knows, you may be the next Steve Jobs.