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ten dollar bull shit

In the last five years Credit Card have literally exposed in the Caribbean. Not long ago, the only people who had credit cards were professionals like lawyers, doctor, accountants, etc – now anyone can own a secured debt or credit card. Yep, once you’ve a steady income and you can meet the month payments you can own some plastic. In fact banks now are literally cramming these cards down people’s throat – on the other hand they’re trying to convince as much merchants to hook-up a credit card machine in their business.

In all the hype of trying to get as much merchants hooked up many of these bank forget to educate merchants on how to protect themselves against credit card fraud. Over at CONSUMERIST.COM published a very information post on the 10 Thing You Might Not know About Your Credit Card.

If you’re a merchant or someone who owns a Credit Card (s), I urge to take some time out to read this article. I’m positive you’re going to learn something new card, and merchants will learn ways to protect their business. Some highlight points are:

  • Merchants Cannot Charge A Surcharge For Using A Credit Card, However, They Can Offer A “Cash Discount”
  • Merchants Cannot Require A Minimum Transaction Amount
  • If Merchants Suspect You Of Fraud They Are Supposed To Call With A “Code 10” (in USA only)
  • Unsigned Cards Are Not Valid And Merchants Can And Will Refuse Them

By the way things are going, soon we will being to see a high in credit card – knowing what to do to protect yourself from being a victim of credit card fraud in your best line of defense.

10 Things You Might Not Know About Your Credit Card [CONSUMERIST.COM]

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Sometimes we can be so busy with our everyday jobs, and our personal goals, and changing the world, that we have very little to spend with our kids.

I can remember while attending Saint Mary’s Academy there was this very good friend of mine – who came from a wealthy family where his parents could buy him anything he wanted. But for some reason he always seemed down and sad. So, one day I asked him – why are you always looking to so sad? You know what he told me? He told me that the reason is so sad, is because the mother had gone off to the US to live. Confused, I asked him – what is his talking about? Because that same morning I saw his mother driving by? He said this is just my biological mom, but my real mom is our maid Jennifer.

I raised up in a relatively poor home, where my mom (a single parent) had to work two jobs in other for us to get by. But if one thing my mom made sure she did, is to have some quality time with each of us. She didn’t have a lot money to buy all the fancy things, but she showed us love in the little things she did, and thats what matters in life…trust me.

Well, just to clarify, I don’t kids. 🙂 But here are some ways I’ve found to connect with them on a regular basis:

Make a date. Set a weekly date with each child, so you are ensured some alone time with them. For example, I try to spend 2 hours every Saturday afternoon with my nephews.

Read with them. I’m a big fan of this. Read to them every day if possible. It’s great quality time, and one of the best things you can do to help them in life.

Play with them. Don’t be afraid to be a kid with them. Play video games, watch cartoons, play board games, have pillow fights, make a fort, play superheroes. Play at their level — don’t expect them to play at yours.

Talk to them after work. When you get home from work, instead of sitting down and watching TV, or taking a nap, or finding some other way to veg out after a long day at work … take the extra effort to sit down and talk with your kids about their day.

Just snuggle. Every now and then, just pull your child to you and hug them. Snuggle, be affectionate, and squeeze them tight. That kind of physical intimacy is important — and the day will come when they don’t want to snuggle with you anymore. Take advantage of it now.

What are your ways of connecting with your kids? Let us know in the comments.

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Photo By:Tatianasapateiro

This article was published in Chronicle Newspaper. Fri, 13 Jun 2008.

No one should underestimate how important it is to observe Fathers’ Day and focus our thoughts on the critical role fathers play in our society as they influence our children’s lives for the better or worse.

A father’s role in the upbringing of children goes way beyond providing the basis of food and shelter. The presence or absence of a father in a child’s home; how a father relates to child’s mother; how a father relates to a child and how a father interacts with other in society all have an enormous influence on the development of a child’s personality, outlook on life, and behavior.

Father’s Day is a day to acknowledge the positive influence of fathers on children, as individuals and collectively. But it is also a day to reflect on the shortcomings of many fathers in society and seek remedies for their negative influence on many children. Unfortunately, many children today do not have a father in the home, yet their need for the influence of a positive male role model remains as strong as ever.

Fathers’ Day reminds us to do everything in our power to celebrate and cultivate caring fathers who make positive, lasting differences in their children’s lives, form which the entire society benefits. Similarly, we must leave no stone unturned to reduce the numbers of fathers who abdicate their child-raising roles, or who are negligent, or abusive —those who create the dysfunctional families that negatively impact our society.

The future of any nation is in the hands of its children, and family stability — or the lack of it — is an important determinant of the children’s welfare. The presence and contribution of fathers in vital to family stability, which determines the welfare of the children who hold the future of the nation in their hands. Therefore, we should invest heavily in policies and programmes that preserve and strengthen the role of fathers.

Authorities worldwide recognize the disproportionate contribution of absent and bad fathers to broken, dysfunctional families and pervasive negative effects such families have on the educational prospects of their children. Many nations are in danger of reaching the tipping point when no matter how much they invest in education and despite the best efforts of schools and teachers; they will not be able to overcome the negative impact of broken and dysfunctional families.

On Fathers’ Day, it is essential to take stock of the growing phenomenon of absent and bad fathers and its deleterious effects on the family structure and the educational achievement family structure or community would often step in and help out children with absent or irresponsible fathers. Nowadays there seems to be general shortage of these positive male role models in society.

Of course, if society continues to produce more and more males who lack the qualities to become good fathers and positive role models, men in general will eventually lose their status. Sustained exposure to an increasing number of males with loose family ties over many years will change the image of the typical man in Dominican society. Instead of being that of an honest, hardworking, caring father who heads a decent productive family, the image of typical adult dominical will degenerate into something unrecognizable.

This Fathers’ Day, as we celebrate the positive, productive, protective dads our society has produced, let us resolve to redouble our efforts to ensure that their gifts are passed on to successive generations. Let us make sure that the wholesome qualities of our best fathers are imparted to all out sons, so that images of the typical father remains as powerful and positive as ever.

Here is to all Fathers’ – HAPPY FATHERS’ DAY

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