Didn’t he once say he’d rather be a really good one-term president than a mediocre two-termer? Well, the chances of a “really good” first term are pretty much shot, so I guess now it’s mediocrity or bust. Shoot for the stars, champ!
President Obama signaled today that he will seek reelection and dismissed as “completely unfounded” reports that he might replace Vice President Joe Biden on his 2012 ticket with Secretary of State Hillary Rodham Clinton.
“Obviously, I haven’t made any formal decision” on reelection, the president told National Journal in an exclusive 45-minute interview, “but I feel like I’ve got a lot of work left to do.”
Told that his answer sounded like he was saying “yes,” Obama nodded, then broadly smiled. “Take it as you will,” he said, laughing.
Obama bluntly dismissed suggestions, first raised by author Bob Woodward, that he might replace Biden with Clinton for the 2012 race.
Lest you think he’s bluffing, Axelrod is already starting to inch away from The One’s stance against Democratic outside groups with anonymous donors spending big money on elections. The old rule: No outside groups, please. The soon-to-be new rule: Yes, outside groups, please, but kindly disclose your contributors. As I said a few days ago, surely no one (including Harry Reid) found Sharron Angle’s mammoth third-quarter fundraising haul as frightening as the White House did, simply because it’s an early sign of how much money the conservative base will cough up in 2012 to knock Obama out of office. Axelrod will need all hands on deck to keep up, notwithstanding The One’s already legendary fundraising powers from 2008. So here’s his signal to lefty PACs to get in the game.
Even so, will it be enough? Mickey Kaus:
What comments [about voters being "scared"] suggest isn’t just that Obama will get clobbered in the midterms. It suggests that after he gets clobbered he won’t be able to adjust and turn the setback into a longterm victory the way Bill Clinton did. Clinton reacted to his 1994 midterm loss by acknowledging his opponents’ strongest arguments and pursuing a balanced budget and welfare reform. Obama seems more inclined to just tough it out until the economy recovers and the scared, confused voters become unscared and see the light. Meanwhile, he’ll spend his time in a protective cocoon.
A few weeks ago a right-wing reporter told me that worried Dem congresspersons who met with Obama left their meetings more worried than when they went in. I discounted the gossip, but now it’s beginning to ring true. We thought he was a great salesman. He turned out to be a lousy salesman. We thought he was a great politician. Instead he makes elementary mistakes and doesn’t learn from them. He didn’t know “shovel-ready” from a hole in the ground, and then somehow thinks admitting this ignorance without apology will add to his appeal.
I’d still defend most of the decisions Obama’s made, especially on health care refom. I’d rather have him making those decisions than 85% of the likely Republican candidates. But for the first time, he’s looking like a one-termer, even if the jobs start to come back.
It’s hard to imagine any incumbent losing if unemployment is trending downwards, especially after a sustained economic crisis, and it’s hard to imagine The One being so stupid as to stay in his liberal cocoon knowing that it would put the center of the electorate in play for 2012. Peter Beinart predicted a few weeks ago that Obama will actually tack left after the election on the theory that presidents tend to revert to campaign form when they get in trouble, but of course to hear David Brooks or Peggy Noonan or Kathleen Parker or Christopher Buckley tell it, Obama wasn’t a hard leftist during the campaign at all. He was an omnicompetent post-partisan pragmatist, eager to solve America’s problems by trying whatever would work. If he does revert to form, that’s the form he’ll revert to — which means he’ll try to make whatever deals he can with the new GOP House to push some compromise legislation through to pander to centrists. And then, if he gets reelected, he’ll govern as an even harder-left liberal in his second term. Good luck in 2012, moderate voters!
Exit question: If you were a lefty president terrified that your base of young voters will stay home on election day, which show would you appear on a few nights before to plead with them to go to the polls? Bingo.
This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:
Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…
Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.
“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”
If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.
It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.
And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.
The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.
Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.
*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.
Update: Higher One’s Donald Smith responds:
Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.
The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.
Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.
Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.
I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.
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The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.
ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
robert shumake hall of shame
Didn’t he once say he’d rather be a really good one-term president than a mediocre two-termer? Well, the chances of a “really good” first term are pretty much shot, so I guess now it’s mediocrity or bust. Shoot for the stars, champ!
President Obama signaled today that he will seek reelection and dismissed as “completely unfounded” reports that he might replace Vice President Joe Biden on his 2012 ticket with Secretary of State Hillary Rodham Clinton.
“Obviously, I haven’t made any formal decision” on reelection, the president told National Journal in an exclusive 45-minute interview, “but I feel like I’ve got a lot of work left to do.”
Told that his answer sounded like he was saying “yes,” Obama nodded, then broadly smiled. “Take it as you will,” he said, laughing.
Obama bluntly dismissed suggestions, first raised by author Bob Woodward, that he might replace Biden with Clinton for the 2012 race.
Lest you think he’s bluffing, Axelrod is already starting to inch away from The One’s stance against Democratic outside groups with anonymous donors spending big money on elections. The old rule: No outside groups, please. The soon-to-be new rule: Yes, outside groups, please, but kindly disclose your contributors. As I said a few days ago, surely no one (including Harry Reid) found Sharron Angle’s mammoth third-quarter fundraising haul as frightening as the White House did, simply because it’s an early sign of how much money the conservative base will cough up in 2012 to knock Obama out of office. Axelrod will need all hands on deck to keep up, notwithstanding The One’s already legendary fundraising powers from 2008. So here’s his signal to lefty PACs to get in the game.
Even so, will it be enough? Mickey Kaus:
What comments [about voters being "scared"] suggest isn’t just that Obama will get clobbered in the midterms. It suggests that after he gets clobbered he won’t be able to adjust and turn the setback into a longterm victory the way Bill Clinton did. Clinton reacted to his 1994 midterm loss by acknowledging his opponents’ strongest arguments and pursuing a balanced budget and welfare reform. Obama seems more inclined to just tough it out until the economy recovers and the scared, confused voters become unscared and see the light. Meanwhile, he’ll spend his time in a protective cocoon.
A few weeks ago a right-wing reporter told me that worried Dem congresspersons who met with Obama left their meetings more worried than when they went in. I discounted the gossip, but now it’s beginning to ring true. We thought he was a great salesman. He turned out to be a lousy salesman. We thought he was a great politician. Instead he makes elementary mistakes and doesn’t learn from them. He didn’t know “shovel-ready” from a hole in the ground, and then somehow thinks admitting this ignorance without apology will add to his appeal.
I’d still defend most of the decisions Obama’s made, especially on health care refom. I’d rather have him making those decisions than 85% of the likely Republican candidates. But for the first time, he’s looking like a one-termer, even if the jobs start to come back.
It’s hard to imagine any incumbent losing if unemployment is trending downwards, especially after a sustained economic crisis, and it’s hard to imagine The One being so stupid as to stay in his liberal cocoon knowing that it would put the center of the electorate in play for 2012. Peter Beinart predicted a few weeks ago that Obama will actually tack left after the election on the theory that presidents tend to revert to campaign form when they get in trouble, but of course to hear David Brooks or Peggy Noonan or Kathleen Parker or Christopher Buckley tell it, Obama wasn’t a hard leftist during the campaign at all. He was an omnicompetent post-partisan pragmatist, eager to solve America’s problems by trying whatever would work. If he does revert to form, that’s the form he’ll revert to — which means he’ll try to make whatever deals he can with the new GOP House to push some compromise legislation through to pander to centrists. And then, if he gets reelected, he’ll govern as an even harder-left liberal in his second term. Good luck in 2012, moderate voters!
Exit question: If you were a lefty president terrified that your base of young voters will stay home on election day, which show would you appear on a few nights before to plead with them to go to the polls? Bingo.
This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:
Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…
Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.
“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”
If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.
It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.
And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.
The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.
Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.
*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.
Update: Higher One’s Donald Smith responds:
Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.
The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.
Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.
Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.
I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.
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The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.
ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
robert shumake twitter
robert shumake twitter
robert shumake detroit
The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.
ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
robert shumake hall of shame
Didn’t he once say he’d rather be a really good one-term president than a mediocre two-termer? Well, the chances of a “really good” first term are pretty much shot, so I guess now it’s mediocrity or bust. Shoot for the stars, champ!
President Obama signaled today that he will seek reelection and dismissed as “completely unfounded” reports that he might replace Vice President Joe Biden on his 2012 ticket with Secretary of State Hillary Rodham Clinton.
“Obviously, I haven’t made any formal decision” on reelection, the president told National Journal in an exclusive 45-minute interview, “but I feel like I’ve got a lot of work left to do.”
Told that his answer sounded like he was saying “yes,” Obama nodded, then broadly smiled. “Take it as you will,” he said, laughing.
Obama bluntly dismissed suggestions, first raised by author Bob Woodward, that he might replace Biden with Clinton for the 2012 race.
Lest you think he’s bluffing, Axelrod is already starting to inch away from The One’s stance against Democratic outside groups with anonymous donors spending big money on elections. The old rule: No outside groups, please. The soon-to-be new rule: Yes, outside groups, please, but kindly disclose your contributors. As I said a few days ago, surely no one (including Harry Reid) found Sharron Angle’s mammoth third-quarter fundraising haul as frightening as the White House did, simply because it’s an early sign of how much money the conservative base will cough up in 2012 to knock Obama out of office. Axelrod will need all hands on deck to keep up, notwithstanding The One’s already legendary fundraising powers from 2008. So here’s his signal to lefty PACs to get in the game.
Even so, will it be enough? Mickey Kaus:
What comments [about voters being "scared"] suggest isn’t just that Obama will get clobbered in the midterms. It suggests that after he gets clobbered he won’t be able to adjust and turn the setback into a longterm victory the way Bill Clinton did. Clinton reacted to his 1994 midterm loss by acknowledging his opponents’ strongest arguments and pursuing a balanced budget and welfare reform. Obama seems more inclined to just tough it out until the economy recovers and the scared, confused voters become unscared and see the light. Meanwhile, he’ll spend his time in a protective cocoon.
A few weeks ago a right-wing reporter told me that worried Dem congresspersons who met with Obama left their meetings more worried than when they went in. I discounted the gossip, but now it’s beginning to ring true. We thought he was a great salesman. He turned out to be a lousy salesman. We thought he was a great politician. Instead he makes elementary mistakes and doesn’t learn from them. He didn’t know “shovel-ready” from a hole in the ground, and then somehow thinks admitting this ignorance without apology will add to his appeal.
I’d still defend most of the decisions Obama’s made, especially on health care refom. I’d rather have him making those decisions than 85% of the likely Republican candidates. But for the first time, he’s looking like a one-termer, even if the jobs start to come back.
It’s hard to imagine any incumbent losing if unemployment is trending downwards, especially after a sustained economic crisis, and it’s hard to imagine The One being so stupid as to stay in his liberal cocoon knowing that it would put the center of the electorate in play for 2012. Peter Beinart predicted a few weeks ago that Obama will actually tack left after the election on the theory that presidents tend to revert to campaign form when they get in trouble, but of course to hear David Brooks or Peggy Noonan or Kathleen Parker or Christopher Buckley tell it, Obama wasn’t a hard leftist during the campaign at all. He was an omnicompetent post-partisan pragmatist, eager to solve America’s problems by trying whatever would work. If he does revert to form, that’s the form he’ll revert to — which means he’ll try to make whatever deals he can with the new GOP House to push some compromise legislation through to pander to centrists. And then, if he gets reelected, he’ll govern as an even harder-left liberal in his second term. Good luck in 2012, moderate voters!
Exit question: If you were a lefty president terrified that your base of young voters will stay home on election day, which show would you appear on a few nights before to plead with them to go to the polls? Bingo.
This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:
Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…
Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.
“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”
If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.
It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.
And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.
The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.
Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.
*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.
Update: Higher One’s Donald Smith responds:
Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.
The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.
Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.
Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.
I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.
robert shumake detroit
robert shumake twitter
The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.
ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
robert shumake detroit
robert shumake hall of shame
The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.
ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
robert shumake twitter
The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.
ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
robert shumake twitter
The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
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ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
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The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.
ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
robert shumake hall of shame
There are hundreds, if not thousands, of ways to make money without a job. It wasn't always necessary to have a job to get by in this world. Only in the last century or so, has working away from home been seen as the normal situation for those in the workforce.
Until the Industrial Revolution a couple of centuries ago, there were many more people making a living at home doing whatever needed to be done, than those who had employment. Blacksmithing, accounting, banking, tailoring, shopkeeping and more, were common employment, but more were engaged in farming in a way that's obsolete in today's economy. Growing and making most of the things they needed, they bartered or sold their excess for other things. Cash from these sales brought money to buy what wasn't available otherwise, like salt, sugar and tobacco.
Today, every thing we need and use, own and borrow, is measured in money, so it would be difficult to go back to that way of living. Not many of us have the room or the knowledge necessary to raise our vegetables, meat, wool and wood for heat.
If you've lost your job or need to increase your income, that old fashioned way of thinking can make a difference. A quest to make money rather than find a job can help.
Here are thirteen ways to make money without a job. Your situation may be different so not all of them will work for you, but something will, or will jumpstart your creativity.
Do you do needlework? Offer to do custom work. For instance, knitted or crocheted items can be marketed to grandparents for their grandchildren. Craft or yarn shops need people to knit and/or crochet swatches of yarns so the customers can see what they look like. Creating for consignment shops near the holidays can be quite lucrative.
Sell what you can grow. Whether that's herbs or Christmas trees or tomatoes or native hay, plan to have an excess and sell what you don't need for yourself. The more the excess, the more you have to sell. Be sure to check local laws. Selling or exchanging a few pounds of apples or a dozen decorative ears of corn won't be a problem most of the time, but be sure first.
Recycle in seriousness. Not just aluminum cans (although do include those!) but copper, aluminum, brass and so on. You may have some on hand already, in the form of old copper wiring or aluminum wheel covers or gadgets. Keep an eye out at garage sales for things like brass lamps and ashtrays, beaten copper decorations, aluminum pots and pans. Familiarize yourself with the way these metals look so you can spot them. Stay up to date on prices so you won't buy an item then find out you can't sell it for as much as you paid.
Offer your services to others. This can include pet sitting, shoveling snow, raking leaves, washing windows, ironing, detailing car interiors, watering a garden or houseplants when the owner is on vacation, and so on. People who work all day are often glad to pay someone else to do some of these things for them. Be that someone.
Do odd jobs for businesses. Stores need people to offer samples, usually a couple of days a week. Some stores need someone to clean the parking lot once or twice a week, or to shovel snow from the sidewalks in front of office buildings. Set up displays or clean the office.
Be a garage sale. That's not a typo. You have things that you don't need any more and you probably can find a lot more than you think. Resell, too. Go to garage sales and be very picky about what you buy at what price. Some things don't sell because it's the wrong time of year, or because they need to be cleaned up or minor repairs need to be done. If it's legal in your area, dumpster dive or "sidewalk shop" (go through neighborhoods the night before trash pickup). There are many good items bound for the landfill. Rescue them; someone wants them and will pay you for them.
Work on commission selling things for others. EBay comes to mind, but there are other options. Craigslist, a local swap shop or friends and family can be the buyers for things that someone else wants to sell but doesn't want to deal with the details. Charge a commission based on a percentage agreed upon ahead of time.
Care for children. You must be trustworthy and probably only people who know you will hire you for this. Pick up children after school and keep them until their parents get home from work, or take them to school in the mornings. Parents whose schedules don't mesh with school will appreciate this service. Also, be free for babysitting at odd times, overnight or whenever needed. Again, check the local laws to make sure you're not offering anything illegal. In some states, you're allowed to babysit regularly for a certain number of children without a license.
Seasonal opportunities: Crafts of all kinds sell when people are looking for gifts. Woodwork, needlework, paper crafts like handmade cards and gift tags, quilts large and small, leatherwork and on and on. Look for craft shows, but don't overlook selling by word of mouth. Your costs will be lower and you could sell just as much. Other seasonal opportunities include decorating (and undecorating afterwards) houses for a holiday, delivering gifts, making costumes and wrapping gifts, delivering phone books or flyers, taking polls or working elections.
Running errands and driving services can bring in some money. You can take elderly people shopping, do the shopping for them and deliver the goods and run other errands for, not only the elderly, but busy moms and dads.
If you have a digital camera, you may be able to sell photographs to microstock agencies. You don't have to be a professional photographer to have a good eye for unique or interesting scenes. After agreeing to their terms of service, upload your pictures, specifying keywords so that potential customers can find them.
If you're musically inclined, sing or play for functions and gatherings for a fee. Make a tape, put out the word to caterers, party and local events planners. Don't forget family reunions, birthdays, anniversaries, graduation parties, wedding receptions and even funerals. Make yourself known anywhere you can.
Write. Here on Associated Content and many other places on the internet are opportunities to write. If you know a topic well, write about it. If you're interested in a topic, research it then write about it. As you search for writing opportunities, you'll find more and more places that need content. Don't give up if you don't succeed at first. It takes a little experience to know what to write about and how to write it for the internet.
And there you have it - the first few hundred ideas on how to make money without a job. The rest is up to you.
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The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.
ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
robert shumake detroit
The openSUSE Build Service 2.1 released - openSUSE <b>News</b>
This iteration has enhanced the web user interface of openSUSE Build Service with features that were previously only in the osc command line client. It now allows submitting of packages to other projects, showing a history of changes ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
Your #1 News Source for the Olympic Peninsula, Port Angeles, Sequim, Port Townsend and beyond.
ABC <b>News</b> Exclusive: Tea Party Candidate in Nevada Senate May Tip <b>...</b>
Scott Ashjian calls himself the “Tea Party of Nevada” candidate for US Senate, but he tells ABC News that he would be “at peace” knowing he helped re-elect Harry Reid by siphoning votes away from Sharron Angle. The Note, authored by ABC ...
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