Saturday, November 16, 2013

Customize Credit Card Statement Date

Doing it can make your payment periods more convenient, and can help you generate savings interest.

[Disclaimer Paragraph] The information here is free, and you are not required to purchase anything from me or sign up for anything. I am just a regular banking customer, and have no expertise in finances, other than what I've learned over the years. I do not get any bonuses, points, or payments, by posting this. I post it for everybody's benefit and for ad revenue.

Imagine needing to automate small payments for a large debt. If the payment date changes a lot, then paying on time becomes a little wasteful, because you might prefer to pay as close to the date as possible. Customizing the statement date will allow for this. You could still pay early. It just helps to keep things predictable.

Another situation in which you want to do this is when you make monthly purchases at specific times of the month. For example, if you buy transit fare [monthly passes or prepaid tickets], then you will probably buy them at the end of a month for the following month [e.g.: at the end of December, buy a month pass for January]. If that is the case, then you might want to adjust the statement dates to start and end at the last week of the month. If you buy a pass at the end of December, then your statement will end in January, and then you will pay in February [probably the middle of February]. For people who live hand to mouth, this gives them a lot more time to get the transit fare, then earn extra cash and get paid, and then pay for the pass. For people who are just good with their money, this means putting money in the bank a little longer, which means more savings interest.

I discovered this, when I was getting some information on the phone with TD Bank. They came up with the suggestion of changing the statement dates.

I called up many other banks to check with them, to see if they could do it for free, and all of them said that they could. See the list of banks that I called at the end of the post. I think that we can safely assume that all banks can do it for free, but it is best to check with your bank. It's always free to ask.

Each bank had different rules on how to do it. Remember to phone them for specifics.

It is best to explain your situation, and give them as much information as possible.

Please let us know in the comments below, if you had similar experiences, or if you have had different experiences. If you have any other ideas on how to customize your credit card services for free, then let me know.

I Checked With These Banks

They all allow us to adjust our statement periods at no cost.

  • TD Credit Cards
  • PC Financial Credit Cards
  • Vancity Credit Cards
  • Royal Bank Credit Cards
  • CIBC Credit Cards
  • Scotiabank Credit Cards

Saturday, July 20, 2013

Mobile Developer App: Conduit

This link is just for me for future reference: I want to create a new web site, without starting from scratch. There are so many apps out there today, that it would be a waste to do it that way.

Thank you for reading!

Wednesday, February 27, 2013

The Strong Bond Of Morals And Faith

What attack on Christianity is coming down the pipe? On May 6th, Dr. Peter Boghossian gave a public lecture, called "Faith: Pretending to know things you don't know". The rest of my post is a warning to all devout Christians, with suggestions on how to react.

[DISCLAIMER: I only watched the introduction, and not the entire video; if he never said the things that I thought that he said, then my comments are a response to only people in general.]

According to this video introduction, *if* I understand correctly, non-Christians are seeking to separate morality and faith. If they can convince you that faith in God does not result in good morals, then you will have a huge challenge on your hands.

I think that some people, who claim to have faith, are no different that non-Christians. For some time, I have been accusing them of being non-Christians. No doubt these so called Christians will jump on the band wagon, and attack faithful people, saying, "Well, I won't accuse you of not having faith. In fact I sense that you have sincere faith. However, many very devout people have faith, and yet they are extremely immoral. How can you say that faith automatically results in good morals? Hitler said that he was a Christian.".

Look at it this way: is there a person in the Bible, who had good faith, yet had bad morals? I understand that we are not perfect, and I am not pointing fingers at people, who make the occasional mistake. However, have you ever seen somebody in the Bible, maintain a bad moral for an extended period of time? I suspect that the apostle Peter forever struggled with eating with gentiles, but I am confident that he also let that go. At the very least, we can say that his faith was not as strong as Paul's.

Things To Bear In Mind

  1. You could start out as an unwashed heathen, but true faith will play a part in helping God to make you a moral person; God is not done yet.
  2. When they judge, they judge you or God. They cannot use your imperfections as a measure of what faith is capable of, anymore than they can point to a elementary school student's lack of disertations, and question the quality of his education. Also, they cannot judge God's morals. Period. They can ask questions and learn, but they cannot call him to the carpet and demand an explanation.
  3. Strong and mature faith are clearly associated with obedience and trust in God, and his commandments, and therefore forming good morals.
  4. Next time, when an unwashed fool points out that Hitler claimed to be a Christian, say, "The heart is wicked and deceitful, and yet you still believed Hitler?? Don't worry, atheists seem to believe that kind stuff."

The end. Thank you for reading!

Sunday, January 20, 2013

Commentary On Genesis 1 - 3: Food And Sin

I was searching for the first mentioning of death and poverty in the Bible, and I found myself wandering into Genesis 2 & 3. An interesting thing that caught my attention was the fact that a couple of things were food related: God cursed the soil and the food aspect of our lives; and our first sin was eating. Is it possible that there is symbollism in eating? Please read the rest of my post and then give feedback.

Thursday, January 10, 2013

Obeying The Bible Less?

I'm so amazed. Even in this day and age, there are people, who identify themselves as Christians, and kind of get paid to, but they seem to want to put off that identification.

Every time enemies encourage us to obey the Bible less, the members of the community search inward for comfortable opportunities to obey less.

The end. Thank you for reading!

Tuesday, January 8, 2013

"Church" As Defined In The Bible

I just realized for the first time that the word church was used before Christ died on the cross. For those of you, who don't get the significance of this: this means that the word, church, as used in the Bible, also included Old Testament believers. Before Christ died, everybody lived under the Old Testament laws. After he died, we lived under New Testament laws. The word, church however, stayed the same.

This is significant for studying theology of the end times, and theology of the church.

It makes sense, too, because not all of Israel believed, yet there was a community of believers. These small communities became more visible during the exile, because they created synagogues.