This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:
Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…
Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.
“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”
If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.
It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.
And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.
The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.
Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.
*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.
Update: Higher One’s Donald Smith responds:
Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.
The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.
Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.
Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.
I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.
After a ban on baked goods, city public schools were left with the option of selling "healthy" treats like Pop Tarts and reduced-fat Doritos for a boost in revenue. Except that isn't exactly working either. Due to a dispute between the Department of Education and the City Comptroller, commissions from at least $540,000 in profits have been kept from the schools.
The Comptroller's office says the DOE was hasty to install the vending machines before they had a chance to investigate possible collusion between the vendors, Answer Vending and CC Vending. A spokesman told the Post, "We will not register any contract that does not meet all legal, procedural and fiscal requirements." But the DOE says the Comptroller has unnecessarily delayed approving the contracts, which could put the city's children in danger of being utterly snackless.
School officials are griping being stuck in the middle of the vending war, and just wish they could get their hands on the 25% of proceeds they were promised. Bayside High School PTA Co-president Dave Solano said, "If they're not getting the schools the money, but the vendors are getting access to the schools, that's not right." A Brooklyn principal wishes they could go back to the way things were, when the school was making $1,000 from a contract with Snapple. Of course, nobody would have to worry about contracts if kids could just hold bake sales, but then they'd get fat! (Though it's not like their parents would notice.)
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This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:
Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…
Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.
“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”
If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.
It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.
And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.
The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.
Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.
*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.
Update: Higher One’s Donald Smith responds:
Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.
The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.
Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.
Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.
I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.
After a ban on baked goods, city public schools were left with the option of selling "healthy" treats like Pop Tarts and reduced-fat Doritos for a boost in revenue. Except that isn't exactly working either. Due to a dispute between the Department of Education and the City Comptroller, commissions from at least $540,000 in profits have been kept from the schools.
The Comptroller's office says the DOE was hasty to install the vending machines before they had a chance to investigate possible collusion between the vendors, Answer Vending and CC Vending. A spokesman told the Post, "We will not register any contract that does not meet all legal, procedural and fiscal requirements." But the DOE says the Comptroller has unnecessarily delayed approving the contracts, which could put the city's children in danger of being utterly snackless.
School officials are griping being stuck in the middle of the vending war, and just wish they could get their hands on the 25% of proceeds they were promised. Bayside High School PTA Co-president Dave Solano said, "If they're not getting the schools the money, but the vendors are getting access to the schools, that's not right." A Brooklyn principal wishes they could go back to the way things were, when the school was making $1,000 from a contract with Snapple. Of course, nobody would have to worry about contracts if kids could just hold bake sales, but then they'd get fat! (Though it's not like their parents would notice.)
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Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...
10-10-10: Goal to plant 350 trees by this Sunday -- Port Angeles <b>...</b>
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This was probably inevitable: the minute that Dodd-Frank cracked down on the fees charged by credit cards aimed at students, some other bright financial innovation would crop up. This time, a debit card aimed at students. Which carries lots of fees. Ylan Mui reports that a company called Higher One has started signing up colleges around the country, taking on the burden of providing cash to students. In return, it gets lots of fees:
Students say several of the fees associated with Higher One’s card are particularly irksome, including the $19 inactivity fee, a 50-cent charge for using a PIN to make a purchase rather than a signature, and a $2.50 fee for using other banks’ ATMs…
Higher One said that only 1 percent of customers have been charged an inactivity fee and that more than half are charged the 50-cent fee only once. All fees are listed on Higher One’s Web site, along with tips on avoiding them.
“We have a big effort with educating students on how to use the account,” Smith said. “We’re very passionate about financial literacy.”
If the fees are listed on Higher One’s website, they’re not exactly prominent. I did find this page, eventually, via this blog entry, but it just says that “when you swipe & sign, you won’t be charged the PIN-based transaction fee”. I haven’t been able to find a page showing a 50-cent transaction fee anywhere*, although I did manage to find this page, showing a $25 fee for domestic wire transfers and a $50 fee for international wire transfers. “Higher One offers less costly alternatives for transferring funds”, it says, without giving any indication what they might be; I suspect that what they’re talking about is transfers to or from people who have already registered somehow with Higher One.
It should go without saying that any firm which is “very passionate about financial literacy” would encourage, rather than penalize, simple, cheap and safe PIN-debit transactions. It would not give students a debit card and then tell them that if they want to avoid fees they should select the “credit” option rather than the “debit” option when they come to pay.
And I can’t think of any good reason to charge a $19 inactivity fee to people who haven’t used their cards in 9 months.
The fact is that students are often very naive when it comes to money, and it’s easy to gouge them once or twice before they learn that banks are not necessarily on their side. If you can get your card accepted by a majority of freshmen every year, and then come up with all manner of weird fees to hit them with, that’s a great way of making money out of ignorance.
Meanwhile, all students should have a bank account: giving them a debit card instead only serves to maximize the number of unbanked students. So while I’m sure cards like this are attractive to colleges, it would be great if either the colleges or else the Consumer Financial Protection Bureau started being a lot more critical of them. Prepaid cards only ever make sense if the alternative is being completely unbanked; that should not ever be the case for students.
*At Southern Oregon University, Higher One agreed to waive the 50-cent PIN-debit charge, but only if there was a simultaneous “swipe-and-sign” campaign. If the campaign is unsuccessful and students do the sensible thing by using PIN debit, then the university can be charged $2 per student for “PIN fee elimination”.
Update: Higher One’s Donald Smith responds:
Higher One was founded 10 years ago by three college students (undergraduates at the time) who were looking for streamlining the way financial aid refunds were distributed to students. Today we work with more than 675 campuses across the country, have a 97% client retention rating, and an A+ rating with the BBB.
The OneAccount is Higher One’s optional, no minimum balance, no monthly fee, FDIC-Insured checking account created by students for students. We do not offer a stored value card. We are very open with our fee schedule. We post it on every program website for all to access, explain each fee, discuss how to avoid each fee, and provide students with a web page that tells them how to use the account for free (which you’ve already found). Because of this, we believe that our customers pay less than half the amount in fees that the average bank checking account customer pays per year.
Two of the fees you referenced in your blog are the PIN fee and the Abandoned Account Fee. The PIN fee is easily avoided by choosing a signature based transaction at the checkout. The majority of students uses it in this manner and is in turn protected by MasterCard’s Zero Liability Policy against fraudulent charges (a safer way of purchasing than a PIN based transaction). We do not have an inactivity fee on our fee schedule – we don’t penalize students who do not use their accounts. We do have an Abandoned Account Fee of up to $19, for those who have abandoned their accounts, but this has been charged to less than 1% of all OneAccount holders in our company’s history because of our proactive outreach plan.
Higher One offers no instruments of credit. As a matter of fact, we’re generally in favor of initiatives restricting students’ access to credit cards and promoting financial literacy. This is why we offer a full range of financial literacy resources along with the services we provide.
I particularly dislike the implication, here, that PIN-based transactions are unsafe. They’re not; they’re just less lucrative, in terms of interchange fees, than signature-based transactions.
After a ban on baked goods, city public schools were left with the option of selling "healthy" treats like Pop Tarts and reduced-fat Doritos for a boost in revenue. Except that isn't exactly working either. Due to a dispute between the Department of Education and the City Comptroller, commissions from at least $540,000 in profits have been kept from the schools.
The Comptroller's office says the DOE was hasty to install the vending machines before they had a chance to investigate possible collusion between the vendors, Answer Vending and CC Vending. A spokesman told the Post, "We will not register any contract that does not meet all legal, procedural and fiscal requirements." But the DOE says the Comptroller has unnecessarily delayed approving the contracts, which could put the city's children in danger of being utterly snackless.
School officials are griping being stuck in the middle of the vending war, and just wish they could get their hands on the 25% of proceeds they were promised. Bayside High School PTA Co-president Dave Solano said, "If they're not getting the schools the money, but the vendors are getting access to the schools, that's not right." A Brooklyn principal wishes they could go back to the way things were, when the school was making $1,000 from a contract with Snapple. Of course, nobody would have to worry about contracts if kids could just hold bake sales, but then they'd get fat! (Though it's not like their parents would notice.)
robert shumake twitter
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Scripting <b>News</b>: Random afternoon notes
Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...
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#1. Making cannonballs.Cannonballs are extremely easy to make, requiring a very low skill level in smithing. All you need is steel bars and a cannonball mould. One bar makes four cannonballs a piece. They may not give as much experience as other steel things, but they sell combined for about 800gp, while a steel bar only sells for 500, and then you add the experience you gained, and voila!
#2. Bow strings, the easy way.When many people decide to pick bowstrings for money, they go out to Seer's Village and start picking and then they...NO! That is wrong! It will take you forever and the money you earn will not be worth it. Instead, use all the money you have to buy flax. Then, go to Lumbridge Castle and run from the bank and wheel spinning them. Once that is done, sell them and repeat. This is the fastest way and while it won't make you as much money as picking the flax yourself, it will earn you much more in the long run. Plus, you get quite a decent amount of crafting experience.
#3. Fishing for Lobster.In this guide there will be two fish specifically covered that you can fish for a lot of money. Lobster is the first. Why is lobster on here, and not swordfish? Because lobster will earn you more money. Approximately, Lobsters sell for 250. Swordfish around 450. You get lobsters three times as fast, sometimes more. Do the math, you get a lot more money and actually a bit more experience because you don't always get tuna.
#4. Fishing for sharks. Sharks are also great for money. Also right next to a bank, they might not come out fast, but they sell for around 1,500gp (big money) and also give a lot of experience. Give or take that they are the fastest way to get money fishing, depend on how you go at it.
#5. Law running. Running runes is a fan favorite and rightly so. A full inventory of laws gets you around almost 10,000gp. Entana may not be that close to a bank, but if you can run back and forth to Draynor, you can get profits easily.
#6. Nature running. Same deal as law running...almost. Nats sell for around 300 on average, so a full inventory will net you around 7200gp, probably a bit more. The nearest bank to the altar is Shilo Village, so you might want to have done that quest first. Otherwise it is kind of a long run.
#7. Yews and Magics. Getting your woodcutting to 60 is not hard at all. In fact, woodcutting is one of the easiest skills to level. Yews sell for around 450 each, so you can get quite a lot easily, especially since there are tons around all the banks. Magics, although a bit farther, are great too, but not recommended till atleast 90 woodcutting because it takes way too long. Until then, Yews are better.
#8. Steel bars. This is like the cannonballs, but a bit different. What you need to do is spend all your money on iron and coal, double as much coal as you have iron, and then go to Al Kharid (closest bank to forge) and smelt them. This may take awhile, and not earn as much money as cannonballs, but it is much faster than having to resmelt them all, and you don't even have to sell the steel.
#9. Mithril. Mithril is a sort of inbetween for miners. It comes at just the right place and sells for just the right price. It's fast and easy and is sure to net you some money. The same trick here also works for the steel bars. If you buy all the coal you need for mithril, and the mithril itself, and smelt it, you will make almost twice as much as you spent on the coal and mithril.
#10. Bones. Bone farming is often overlooked, and if you go for the biggest bones, it might be one of the most effective ways to get money. Bones sell for tons of the Grand Exchange. Big bones, from killing giants, sell for 500gp! Bat bones, from those weak level 8 bats, sell for 200! There is tons of money to be made from running bones from the bank. Monkeys, those level 3 pests? The bones sell for 250! It really is easy money. If you find yourself by a bank with a lot of little guys around, why not just take the time and take the bones?
These are 10 ways to easily make money in Runescape. Only a few of them take dedication, and they really are quite easy. I hope this guide helps as you find yourself wanting that dragon chainmail.
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Scripting <b>News</b>: Random afternoon notes
Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...
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Scripting <b>News</b>: Random afternoon notes
Recent stories. Twitter links. My 40 most-recent Twitter links, ranked by number of clicks. My bike. People are always asking about my bike. A picture named bikesmall.jpg. Here's a picture. AFP news pic. Calendar ...
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