marciayudkin

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marciayudkin last won the day on July 24 2016

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About marciayudkin

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    Maui and Massachusetts

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  1. >>We generally do a cash business and an informal credit one at that. << And I assume there's a lot of under-the-table business transactions? (As in many other Mediterranean countries.) I.e., most people don't report their full income to the government.
  2. >>In fact, the mobile payments model will likely replace physical credit/debit cards in the not-too-distant future. << Don't be so sure. One of the takeaways from looking at payment preferences in different countries (described in a link earlier in this thread) is that cultural factors have a huge impact on which payment options become most popular where. I've read elsewhere that Sweden, for example, is becoming a nearly cashless economy, yet in, say, Germany, paying in cash is most popular. Marcia Yudkin
  3. >> It was my understanding there is a charge for credit. << Nope. Only if you do not pay your bills in full every month. And only if your credit card charges an annual fee - most do not.
  4. Update on my original question.. I found out that the person whose purchase triggered my question lives in Germany. So there probably is some international-related reason why he doesn't have credit cards. Here is a useful article on purchase preferences in a few different countries: http://www.practicalecommerce.com/navigating-international-payment-methods-for-ecommerce Marcia Yudkin
  5. >>It might be handy, but you're being charged on your own money. << If you pay your credit card bill in full every month, in what way does the above statement apply? If your credit card has no annual fee and you pay all the bills promptly, there is no way that I can see that credit cards are taking advantage of the credit card holder. On the contrary, you get to pay all your bills 6-8 weeks later, possibly get bonus points and also have a handy record of how much you spent where every month - all advantages not true of paying cash. If someone doesn't want to use credit cards for personal reasons, that's one thing. But to call the system exploitative doesn't seem true even for those who have balances every month. They are being charged for a loan to them from the credit card company/bank. That is not "being charged on your own money." It is being charged on other people's money.
  6. >> So, out of curiosity, is there a particular reason why you only accept credit/debit cards? << Mainly because the shopping carts or other interface I was using did not integrate with Paypal. And because requests to use Paypal from my customer base were so rare. It's about two cases a year. I've always said yes to one-off requests but it creates extra work on my part. In the most recent case, my online course interface uses Stripe to process payments and did not allow Paypal payments. For me to accept payment in Paypal funds I had to go back and create a special coupon for that person to then get access to the course. The whole process was not automated, as with credit carts. However, in the case of a request this week, I took a second look and they now allow me to set up acceptance of Paypal with only a click or two. So I did set it up.
  7. Sorry, I should have been more precise. Since most debit cards I know of can also function as credit cards in buying things online, I was asking about people who do not have either credit cards OR debit cards.
  8. When a potential customer contacts me to say that they don't have credit cards, and can they buy a certain item or service with Paypal or a money order, I assume that they are living hand to mouth and can't really afford to pay $100 or $500 (sometimes more) for what I'm selling. But then they prove me wrong. I do also have one longtime client who makes many hundreds of thousands of dollars a year who, out of some sort of principle (or defense against overspending?) always wants to pay me in alternative ways besides credit cards.. What are your thoughts on this? Are there certain types of people who don't have credit cards, and is it possible to generalize about them? Or are there so many reasons why people don't have or don't use credit cards that it would be wrong to draw any inferences at all from this fact about them? Apart from clients, I can only think of one business owner I personally know who didn't have credit cards, and this was someone who had defaulted on her student loans and had horrible credit. It's just so hard to function in today's society without credit cards - isn't it? Marcia Yudkin
  9. I was actually in this situation a few years ago. I had been able to get by in Spanish in my twenties and wanted to recover what I knew and progress. I started with Duolingo, an excellent refresher, went through Volumes 2-5 of the Pimsleur audio courses (free through interlibrary loan), then discovered "News in Slow Spanish Latino," a podcast that I still listen to. Then I started watching telenovelas (Latino soap operas) on Telemundo, which offers Spanish subtitles. I'm still hooked on those. Then I was able to read Spanish newspapers (El Pais and the Spanish version of the NY Times) and tackle a couple of 450-page novels by Isabel Allende. I bought both the Spanish and the English versions and would read several paragraphs of the Spanish, then look through the English to make sure I didn't miss anything or misunderstand. What's next? I've vastly improved my listening and reading comprehension and will work on spoken Spanish. Then I'll start another language. For me, this is great fun and I also plan to travel all around Latin America next year or the year after.
  10. Hi Sal, You may find this article helpful - it contrasts two partnerships I entered into, one of which cratered and the other of which worked out extremely well: http://thequietentrepreneur.com/10424/partnering-with-extroverts-one-disaster-one-success-several-lessons/ A good question to ask yourself: What are the possible hidden reasons the other person wants you in this partnership - and that you are tempted to agree? Good luck, Marcia Yudkin
  11. I actually preferred the community college students, who were mainly working adults, and not the students I taught at one of the Seven Sisters colleges and a top private university, who tended to be too pampered, boring, superior and self-satisfied for their own good. The community college students I taught were just as intelligent as the 4-year students I taught, they were just poorer and more hard-working.
  12. I've been a college writing teacher and also led writers' workshops independently for 10-15 years, and I can tell you that it was near impossible to tell at the beginning of a class which students would be the best writers at the end of a class. Some people may seem to have a talent for words but they don't take instruction/feedback well and didn't grow at all from assignment #1 to assignment #10. Others may seem to have a halting command of the English language but by the end of the class, they are writing sensitive, eloquent and sophisticated essays or articles. I once had a student who was the daughter of a well-known novelist and later became a novelist herself. I told her (diplomatically, with constructive suggestions) that she was lazy in her writing (which I still believe, based on ample evidence) and she was totally unreceptive to feedback. She was one of the worst performing students in her cohort. In short, there may be native talent but that doesn't mean it is going to be well executed. Marcia Yudkin
  13. I didn't personally witness civil rights demonstrations during the 1950s, but the above is absolutely untrue for Vietnam-era protests. I was there. Almost always there were giant puppets and other artistic creations (frivolous as well as with a deep meaning, like the pink hats) as well as clever slogans and colorful banners livening up the events. People made a statement with how they dressed and acted on these occasions as well as with words or simple marching. This was in the spirit of Emma Goldman, who said: "If I can't dance, I don't want to be part of your revolution." In the case of the marches yesterday, the upbeat mood was part of the message of the events. I don't know why that's so hard to understand. It wasn't a Congressional hearing, for example. Marcia Yudkin
  14. Kay, I have a cover on my Kindle Paperwhite also and it seems that is what makes my hand hurt. It may not be the weight so much as the exact position in which it needs to be held. But maybe this is just me. I have a problem if I grip the car steering wheel too tightly, also. However, when driving there are almost always alternative ways to hold the wheel, but with the Kindle just one. Marcia
  15. Before traveling 5,000 miles from home, I loaded up my Kindle with a bunch of thrillers downloaded for free through my library. [It was frustrating to try to find which titles on my actual to-read list were carried by the library system, so what I did instead was go to the digital library interface, search by "available now" and the genre I wanted and then select books that way.] Being able to "carry" six or seven books for the weight of about two is a huge benefit. However, after I read the Kindle in bed for just half an hour, my left hand, holding the device, aches. Aches a lot! I've never had this experience holding an actual book - hardcover or paperback. I don't enjoy the experience of reading on a Kindle very much in other respects, either. To the point where I'm willing to spend a LOT more money to get tangible books to read. How about you? Marcia Yudkin