Reading the fine print

Do you ever stop and hesitate, when you run your check card? Do you ask yourself 'do I enter it as debit or credit?' Does it really matter? The money is going to come out , wether it is today or 2 days from now, it's gone.

It depends for me, I ask myself do I feel like signing my name do I want to touch that dirty pen or the dirty keypad? That's how I usually decide. Remember now, I have a hard time making decisions. If you don't allready know, when you run it as debit it immediatley comes out of your checking account. If you run it as credit it can take a couple days to post.

For the past couple years I have been using my check card quite frequently, and I have been in the habit of running it as debit. I also know that it costs the merchant less to run it as debit vs. credit...so isn't that nice of me to save them a few cents on my transaction?

Well I've got inside information, my friend that happens to be a boy, is in the credit card business. So I have recently learned that if I run my check card as credit, I earn points. And with those points I can get things, for FREE! I could have learned this years ago by simply reading letters from the bank, and I could have earned way more points. but I didn't.

Getting to the point. (Ha ha-get it?) My bank has recently been bought out by another bank, so they sent out letters saying use your points or loose them. Of course did I read any of those letters? No, my b.f. informed me the day before the points expired. So I jumped online and this is what I got for free, along with a cd !

I am quite proud of it too, I must admit. This is a battery powered frother. If you don't have one, it's time to get one. One of these babies can cost up to $20 bucks if not more. This one is deluxe because it is stainless steel and came with a holder. Now when you loose electricity, or choose to live without it, this thing is sweet. Because you can have that latte no matter what. All you need is a camping espresso maker, a campfire or woodstove, and thats how you do it with no electricity. heat milk on woodstove then froth, brew esspreso, and walla.

The moral of this story is read the fine print and you just may be pleasantly surprised.