So, I haven't gotten my new job yet but I have more hope than I've had in a while. Not to mention, I have a great story idea. That should put me in great spirits.

So, I totaly lost what it was that I was going to post about.

And It's iretrievable.

Kinda like my poor compies functionality.

I need to buy a new laptop some time...but I'm a long way from being able to buy it. I need to finish three websites and I'm discovering more and more that I don't know about web design. Does anyone know how to make PHP inteligable to someone who is tired of reading the details? I'm not too thrilled with the book I got from the library, though it's telling me what I need to know. My head didn't used to hurt so much when I was in school as it does after a few hours of this book.

Oh, and I dreamed that I accidentaly ran into a baby dragon that had gotten lost in our world. It wasn't badly hurt. Then I adopted it. Not sure why, but a baby dragon is pretty awesome.

1. There is no such thing as float time when you use your debit card! It's gone! No more float for you!
The second you authorize a purchase, a hold is placed on your account for the amount you agreed to pay. (If their fingers hit the right keys that is.) The cashier told you this would post tomorrow? It will, but if you spend that money again tonight, you'll have the piper to pay tomorrow. It's more important than ever to track all of your debits. Checks can still be floated, but not more than a day now. Most companies run your check through electronicaly (ACH for short) so it comes out the next day. I haven't figured out if it places a hold on your account right away too, if anyone knows, leave me a comment and I'll update this post.

2. Less than a day to come out; three days to go in.
Yes, I'm referring to refunds. It takes twenty seconds to pull money from your account, but three days to put it back in. This isn't your banks fault. If you have to blame someone, then you can blame the credit card companies...or the people who tried to work the system and made the credit card companies have to delay the process so that people don't cheat them. Greed is a disease you'll find it in every social class.

3. Don't use your debit card online unless absolutely necessary! If you make a purchase on the world wide web with your credit card and some creep gets hold of your card number, then they can create a mess, but at least your checking account isn't locked up. If worse comes to worse, you can still by bread and potatoes and shot gun shells personalized with the name of the perpetrator.

4. Be ware of fraud. When you work at a bank, you have to go through some routine courses on the basic types of check and electronic fraud...and my head about exploded. I had no idea there were so many gimmicks out there. There are some that would even get me, but generally, the way to avoid getting taken is to refuse if you aren't dead sure. This is harder for some people than others, but learning how to leave a good deal on the table is an essential survival skill. If there's not enough time to think it through and get a second opinion, then you had better leave it be. Ten bucks says it's a scam.

5. The most common type of internet fraud is free trials.  They say that money talks, but no money talks louder. IT SCREAMS WACHOUT!!! Before you sign up, look up the company. If you see few results; beware. If you see a bunch of negative comments...and you still sign up, then you probably got nothing at all from this post. Larry the cable guy's probably over your head too.