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.
Diddums. Casey Affleck admits that he ‘went broke’ filming his fail movie with Joaquin Phoenix. The movie, I’m Still Here, was filmed over two years and was revealed to be a fake documentary-style movie that Affleck thought anyone with two working eyes and ears would be fooled by. The film showed Phoenix, who would have made interesting material without the pretentious/ staged nature of the movie, doing coke/ hookers and getting pooped on. Or, as I like to call it ‘Wednesday’. That’s some mid-week pAArtying and moviegoers agreed. Affleck’s movie went up against his big brother’s movie, The Town (which topped the US box office and opened on Rotten Tomatoes to a 93% fresh rating), and only took $96,658 in its opening weekend. Sucks to be the less talented brother, and there’s something I never thought I’d say of these two. Speaking to The Telegraph in the UK, Affleck says he came clean about the hoax everyone knew about so as not to permanently damage Phoenix’s reputation. The movie was supposed to be a cynical look at Hollywood and its trappings. Not poop.
Casey Affleck has admitted that I’m Still Here, his hoax documentary about Joaquin Phoenix, was a “planned, staged and scripted work of fiction” that nearly bankrupted him. Affleck said the project was an essay on celebrity culture. “It was pretty much all within the realm of possibility: people use prostitutes, people use drugs, especially in Hollywood. We didn’t take it so far that it wasn’t believable,” he told The Daily Telegraph. “Having something at stake is a great motivator and once this thing became public for me that was very helpful because there was no question: I had to see it through, no matter how long it took. I went broke. I hadn’t worked for more than a year, and I was pouring money into the movie. I had to stop for a month to do The Killer Inside Me. If I hadn’t, I wouldn’t have been able to finish the film – I was out of money. There was a lot at stake financially and, if we had left [the hoax] there, it would have been very damaging to Joaquin’s career.”
Casey Affleck, Joaquin Phoenix: I’m Still Here mockumentary movie trailer.
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robert shumake hall of shame
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.
Diddums. Casey Affleck admits that he ‘went broke’ filming his fail movie with Joaquin Phoenix. The movie, I’m Still Here, was filmed over two years and was revealed to be a fake documentary-style movie that Affleck thought anyone with two working eyes and ears would be fooled by. The film showed Phoenix, who would have made interesting material without the pretentious/ staged nature of the movie, doing coke/ hookers and getting pooped on. Or, as I like to call it ‘Wednesday’. That’s some mid-week pAArtying and moviegoers agreed. Affleck’s movie went up against his big brother’s movie, The Town (which topped the US box office and opened on Rotten Tomatoes to a 93% fresh rating), and only took $96,658 in its opening weekend. Sucks to be the less talented brother, and there’s something I never thought I’d say of these two. Speaking to The Telegraph in the UK, Affleck says he came clean about the hoax everyone knew about so as not to permanently damage Phoenix’s reputation. The movie was supposed to be a cynical look at Hollywood and its trappings. Not poop.
Casey Affleck has admitted that I’m Still Here, his hoax documentary about Joaquin Phoenix, was a “planned, staged and scripted work of fiction” that nearly bankrupted him. Affleck said the project was an essay on celebrity culture. “It was pretty much all within the realm of possibility: people use prostitutes, people use drugs, especially in Hollywood. We didn’t take it so far that it wasn’t believable,” he told The Daily Telegraph. “Having something at stake is a great motivator and once this thing became public for me that was very helpful because there was no question: I had to see it through, no matter how long it took. I went broke. I hadn’t worked for more than a year, and I was pouring money into the movie. I had to stop for a month to do The Killer Inside Me. If I hadn’t, I wouldn’t have been able to finish the film – I was out of money. There was a lot at stake financially and, if we had left [the hoax] there, it would have been very damaging to Joaquin’s career.”
Casey Affleck, Joaquin Phoenix: I’m Still Here mockumentary movie trailer.
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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser
New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...
robert shumake detroit
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.
Diddums. Casey Affleck admits that he ‘went broke’ filming his fail movie with Joaquin Phoenix. The movie, I’m Still Here, was filmed over two years and was revealed to be a fake documentary-style movie that Affleck thought anyone with two working eyes and ears would be fooled by. The film showed Phoenix, who would have made interesting material without the pretentious/ staged nature of the movie, doing coke/ hookers and getting pooped on. Or, as I like to call it ‘Wednesday’. That’s some mid-week pAArtying and moviegoers agreed. Affleck’s movie went up against his big brother’s movie, The Town (which topped the US box office and opened on Rotten Tomatoes to a 93% fresh rating), and only took $96,658 in its opening weekend. Sucks to be the less talented brother, and there’s something I never thought I’d say of these two. Speaking to The Telegraph in the UK, Affleck says he came clean about the hoax everyone knew about so as not to permanently damage Phoenix’s reputation. The movie was supposed to be a cynical look at Hollywood and its trappings. Not poop.
Casey Affleck has admitted that I’m Still Here, his hoax documentary about Joaquin Phoenix, was a “planned, staged and scripted work of fiction” that nearly bankrupted him. Affleck said the project was an essay on celebrity culture. “It was pretty much all within the realm of possibility: people use prostitutes, people use drugs, especially in Hollywood. We didn’t take it so far that it wasn’t believable,” he told The Daily Telegraph. “Having something at stake is a great motivator and once this thing became public for me that was very helpful because there was no question: I had to see it through, no matter how long it took. I went broke. I hadn’t worked for more than a year, and I was pouring money into the movie. I had to stop for a month to do The Killer Inside Me. If I hadn’t, I wouldn’t have been able to finish the film – I was out of money. There was a lot at stake financially and, if we had left [the hoax] there, it would have been very damaging to Joaquin’s career.”
Casey Affleck, Joaquin Phoenix: I’m Still Here mockumentary movie trailer.
robert shumake hall of shame
robert shumake hall of shame
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Loopt adds Facebook Places integration | iLounge <b>News</b>
iLounge news discussing the Loopt adds Facebook Places integration. Find more iPhone news from leading independent iPod, iPhone, and iPad site.
Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser
New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...
robert shumake hall of shame
robert shumake hall of shame
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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser
New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...
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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser
New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...
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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser
New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...
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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser
New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...
robert shumake detroit
We all get tired of the rat race of this normal life but, what happens when you start to look around for a change of pace,especially on the Internet.There are many websites out there that allow you to do just that.You can be whoever and whatever you want to be.Yes,I said whatever,after all it is the Internet so who knows exactly where it will take you,imagination is the key.
One of the most popular sites that I have visited has been www.talkcity.com here at any given time there are over 1,000 people chatting in over 200 rooms,it is a small community with rooms that seem more personable.The rooms on this site range from Adult chat to Teen chat to RPG (role playing games) to Health/Support to Animals and just about anything in between.
The Adult chat rooms usually state that you have to be 18 or over to participate in such rooms and they do greet you and ask your age when entering the room.The more notable RPG rooms generate a lot of curiosity,I myself have had a character (so to speak) on talk city for about 6 years now that I use to RP with.Role playing is a nice get away from the everyday norm,most people find it intimidating at first.
Another place to go to that seems to get more media attention because of the realness of it all is www.myspace.com .Myspace has over 181,000,000 people on it's network,here friends and family members can read each other profile pages,view pictures and read blogs.You can make your profiles private or public and deny or approve you want to be on your friends list.Also,myspace offers music lovers a wide variety of music to listen to and add to their pages as well as comedians.It is a fun site but, as anything you have to be aware of any situations that may arise.
A fun game site is www.pogo.com ,here you can chat and play games.This site has over 200,000 members that play on a regular basis.There is pretty much something for everyone on this site,board games,word games,sports,puzzles and casino games.As you earn tokens on this game you can actually turn them in win actual prizes either prize package sets or money,there are daily,weekly and monthly drawings.You can also purchase Pogo gear such as hats,mugs,shirts and even slippers.
Many sites offer IM ( instant messaging as well),the most well noted are Yahoo,AIM,MSN and Myspace.Instant messaging allows you to chat one on one or in a conference window with a few people.This is convenient for most people because you put a status message on your messenger like,BRB ( be right back),BBS(be back soon), Stepped out,Not at my desk,On the phone or something personal like TGIF or whatever you like.Although the messenger world can seem like you are typing in a different language most people pick it up real quick.
When searching the Internet give yourself options,see what fits you best and enjoy it.The sites seem to be endless and at times intimidating,word of mouth is always a good choice especially if someone has established themselves and are regulars in certain chat rooms or game rooms.
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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser
New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...
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Election 2010: NBC <b>News</b>, MSNBC Slate Midterm Coverage Plans - TVNewser
New York – October 18, 2010 – NBC News will offer comprehensive coverage of the upcoming 2010 mid-term elections on Nov. 2 across all its platforms, including msnbc, Msnbc.com, Telemundo, NBC News Radio and NBC News Mobile. ...
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