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Assessing the Cost & Benefits of Credit Card
Loyola Consumer Law Review Volume 25 | Issue 1 Article 3 2012 Assessing the Cost & Benefits of Credit Card Rewards: A Response to Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations Steven Semeraro Prof. Thomas Jefferson School of Law Follow this and additional works at: http://lawecommons.luc.edu/lclr Part of the Consumer Protection Law Commons Recommended Citation Steven Semeraro Assessing the Cost & Benefits of rC edit Card Rewards: A Response to Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations, 25 Loy. Consumer L. Rev. 30 (2012). Available at: http://lawecommons.luc.edu/lclr/vol25/iss1/3 This Feature Article is brought to you for free and open access by LAW eCommons. It has been accepted for inclusion in Loyola Consumer Law Review by an authorized administrator of LAW eCommons. For more information, please contact [email protected]. Semeraro Article (Do Not Delete) 11/29/2012 12:27 PM ASSESSING THE COSTS & BENEFITS OF CREDIT CARD REWARDS: A RESPONSE TO WHO GAINS AND WHO LOSES FROM CREDIT CARD PAYMENTS? THEORY AND CALIBRATIONS Steven Semeraro* or two decades, economic and legal academics have F speculated about the impact of the fees that merchants pay for credit card acceptance. Since all customers pay the same price, the theory goes, everyone pays for the benefits that go only to credit card users. A recent Federal Reserve Bank of Boston (FRBB) policy paper written by economists Scott Schuh, Oz Shy, and Joanna Stavins entitled Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations1 has taken the argument a step further, contending that credit card programs reduce consumer welfare by transferring money from low-income households that purchase goods and services with payment * Professor of Law, Thomas Jefferson School of Law. -
Vol 39 No 48 November 26
Notice of Forfeiture - Domestic Kansas Register 1 State of Kansas 2AMD, LLC, Leawood, KS 2H Properties, LLC, Winfield, KS Secretary of State 2jake’s Jaylin & Jojo, L.L.C., Kansas City, KS 2JCO, LLC, Wichita, KS Notice of Forfeiture 2JFK, LLC, Wichita, KS 2JK, LLC, Overland Park, KS In accordance with Kansas statutes, the following busi- 2M, LLC, Dodge City, KS ness entities organized under the laws of Kansas and the 2nd Chance Lawn and Landscape, LLC, Wichita, KS foreign business entities authorized to do business in 2nd to None, LLC, Wichita, KS 2nd 2 None, LLC, Wichita, KS Kansas were forfeited during the month of October 2020 2shutterbugs, LLC, Frontenac, KS for failure to timely file an annual report and pay the an- 2U Farms, L.L.C., Oberlin, KS nual report fee. 2u4less, LLC, Frontenac, KS Please Note: The following list represents business en- 20 Angel 15, LLC, Westmoreland, KS tities forfeited in October. Any business entity listed may 2000 S 10th St, LLC, Leawood, KS 2007 Golden Tigers, LLC, Wichita, KS have filed for reinstatement and be considered in good 21/127, L.C., Wichita, KS standing. To check the status of a business entity go to the 21st Street Metal Recycling, LLC, Wichita, KS Kansas Business Center’s Business Entity Search Station at 210 Lecato Ventures, LLC, Mullica Hill, NJ https://www.kansas.gov/bess/flow/main?execution=e2s4 2111 Property, L.L.C., Lawrence, KS 21650 S Main, LLC, Colorado Springs, CO (select Business Entity Database) or contact the Business 217 Media, LLC, Hays, KS Services Division at 785-296-4564. -
The Popular Culture Studies Journal
THE POPULAR CULTURE STUDIES JOURNAL VOLUME 6 NUMBER 1 2018 Editor NORMA JONES Liquid Flicks Media, Inc./IXMachine Managing Editor JULIA LARGENT McPherson College Assistant Editor GARRET L. CASTLEBERRY Mid-America Christian University Copy Editor Kevin Calcamp Queens University of Charlotte Reviews Editor MALYNNDA JOHNSON Indiana State University Assistant Reviews Editor JESSICA BENHAM University of Pittsburgh Please visit the PCSJ at: http://mpcaaca.org/the-popular-culture- studies-journal/ The Popular Culture Studies Journal is the official journal of the Midwest Popular and American Culture Association. Copyright © 2018 Midwest Popular and American Culture Association. All rights reserved. MPCA/ACA, 421 W. Huron St Unit 1304, Chicago, IL 60654 Cover credit: Cover Artwork: “Wrestling” by Brent Jones © 2018 Courtesy of https://openclipart.org EDITORIAL ADVISORY BOARD ANTHONY ADAH FALON DEIMLER Minnesota State University, Moorhead University of Wisconsin-Madison JESSICA AUSTIN HANNAH DODD Anglia Ruskin University The Ohio State University AARON BARLOW ASHLEY M. DONNELLY New York City College of Technology (CUNY) Ball State University Faculty Editor, Academe, the magazine of the AAUP JOSEF BENSON LEIGH H. EDWARDS University of Wisconsin Parkside Florida State University PAUL BOOTH VICTOR EVANS DePaul University Seattle University GARY BURNS JUSTIN GARCIA Northern Illinois University Millersville University KELLI S. BURNS ALEXANDRA GARNER University of South Florida Bowling Green State University ANNE M. CANAVAN MATTHEW HALE Salt Lake Community College Indiana University, Bloomington ERIN MAE CLARK NICOLE HAMMOND Saint Mary’s University of Minnesota University of California, Santa Cruz BRIAN COGAN ART HERBIG Molloy College Indiana University - Purdue University, Fort Wayne JARED JOHNSON ANDREW F. HERRMANN Thiel College East Tennessee State University JESSE KAVADLO MATTHEW NICOSIA Maryville University of St. -
September 2004 Unification News
september 04 10/1/04 1:31 PM Page 1 UnificationUnification NewsNews $2 Volume 23, No. 9 T HE N EWSPAPER OF THE U NIFICATION C OMMUNITY September 2004 PEACE AMBASSADORS TO THE HOLY LAND by Rev. Michael Jenkins is a profound soul who is one of the he pilgrimage most prominent is a historic sheikhs (imams) in journey of the Great Britain. He heart. While shared with us that the violence if anger is not trans- ragesT on both sides formed it is trans- (Buses were bombed in ferred, if hate is not Beer Sheva last week and transformed it will major attacks are going be transferred, if on in the Gaza Strip), our violence is not Peace Ambassadors are transformed it will opening doors in each and be transferred. We every city they go to. From must set the con- Ramallah to Jerusalem dition to transform we go back and forth and the hearts of our the doors are opening. Jewish and Mus- Yesterday we went to Jeri- lims and Christian cho, where Joshua brothers and sis- brought the walls down ters as well as our- not with violence but with selves. the unity of God's people. We must go to a Then later in the day we new level of heart- went to the Wall that is -the revolution of being erected between heart in which we Palestine and Israel. We feel God's love and could feel the power of the heart to com- God that is working to fort God. remove the need for such Today, our Euro- walls. -
Securestar1.Pdf
discover the peace of mind that you will experience when choosing the protection provided by our SECURESTAR® program. protection that helps prevent loss due to check fraud including altered and counterfeited checks. With our SECURESTAR® line of products, we make it practical and affordable to protect every at-risk document issued by your financial institution. The Problem... CHECK FRAUD LOSS security features; each designed COUNTERFEITED CHECKS Check fraud loss in the u.S. continues to help in the fight against fraud: Check counterfeiting consists of year after year. This trend has been • Prismatic Backgrounds copying a valid check, without attributed to criminals having access • Padlock Icon authority or right, with the intent to to easy-to-use and affordable • Warning Band and Warning Backer deceive or defraud. The counterfeit technology such as personal • Microprint Signature Line check can be drawn on a legitimate computers, high-resolution scanners • High Resolution Border account or presented along with and laser printers to create realistic • Thermochromic Ink false identification. To protect fraudulent checks. They also use • Full Chemical Reactivity against counterfeit check fraud, chemical erasures to alter the checks • Invisible Fibers financial institutions may: and phony I.d.s to pass them. • Holographic Foil • Use a positive pay or reverse • Genuine Watermark in Paper positive pay program The best defense financial institutions • Holograms • Thoroughly review customer and commercial businesses can take • Toner-Fusing Paper -
Battle and Self-Sacrifice in a Bengali Warrior's Epic
Western Washington University Western CEDAR Liberal Studies Humanities 2008 Battle nda Self-Sacrifice in a Bengali Warrior’s Epic: Lausen’s Quest to be a Raja in Dharma Maṅgal, Chapter Six of Rites of Spring by Ralph Nicholas David Curley Western Washington University, [email protected] Follow this and additional works at: https://cedar.wwu.edu/liberalstudies_facpubs Part of the Near Eastern Languages and Societies Commons Recommended Citation Curley, David, "Battle nda Self-Sacrifice in a Bengali Warrior’s Epic: Lausen’s Quest to be a Raja in Dharma Maṅgal, Chapter Six of Rites of Spring by Ralph Nicholas" (2008). Liberal Studies. 7. https://cedar.wwu.edu/liberalstudies_facpubs/7 This Book is brought to you for free and open access by the Humanities at Western CEDAR. It has been accepted for inclusion in Liberal Studies by an authorized administrator of Western CEDAR. For more information, please contact [email protected]. 6. Battle and Self-Sacrifice in a Bengali Warrior’s Epic: Lausen’s Quest to be a Raja in Dharma Ma2gal* INTRODUCTION Plots and Themes harma Ma2gal are long, narrative Bengali poems that explain and justify the worship of Lord Dharma as the D eternal, formless, and supreme god. Surviving texts were written between the mid-seventeenth and the mid-eighteenth centuries. By examining the plots of Dharma Ma2gal, I hope to describe features of a precolonial Bengali warriors” culture. I argue that Dharma Ma2gal texts describe the career of a hero and raja, and that their narratives seem to be designed both to inculcate a version of warrior culture in Bengal, and to contain it by requiring self-sacrifice in both battle and “truth ordeals.” Dharma Ma2gal *I thank Ralph W. -
Wxw Holds Keynote on Wxw NOW Streaming
wXw holds keynote on wXw NOW streaming service, announces details on Germany's first wrestling network wXw just announced the first in-depth details on our new "wXw NOW" streaming network, which will launch one month from now on 8/13 at www.wxwnow.de. It will not just be a collection of shows like a lot of companies offer for a monthly fee via Pivotshare but also offer original content and a lot of archived shows, some dating back as far as 2006. We will also have our uniquely designed interface/UI, while hosting and infrastructure will be managed by Vimeo, our long-time streaming partner, dating back to 2013. Wrestling journalist Markus Gronemann (DarkMat.eu, Wrestling Observer) considers this to be the biggest launch of an over-the-top pro wrestling channel by a single promotion since New Japan World. wXw Managing Director Christian Jakobi held a keynote presentation tonight at 8 pm CEST at the wXw Wrestling Academy training school, which was streamed live on Facebook (the video is available, albeit only in German, here) and talked about what future and past events and what kind of original content would be available. We had up to 750 viewers simultaneously on Facebook and also had some students and a trainer (Toby Blunt) in attendance to provide some crowd noise and cheering at key points during the announcement. Marquee Events are wXw's version of pay-per-view caliber shows, where feuds start and end and international talent often appears. There currently are 10 marquee events on the calendar, with some of them being multi-day shows: -
Wilmington, NC
Ml Star-News Want Ads Appear In Star And News For Single Price Wilmington Star I r},e _Automotive 200-Gallon Still Cut RATES 1939 PLYMOUTH COACH, RADIO, Free Tickets To Readers Of Star-News Classified Ads! GLANCES CLASSIFIED heater. Clean. Jack Lucky SIDE ...ads inserted in both Selby, Peter- Local son-Barnes Motor Co. Scattered among the ads of today’s classified columns are the names of 8 By ATU Agents News and The Wil- Bus. 5676, lucky Wilmington- i-:— -1 Res. 3006. lans, selected at random from the Read the ads If A'Wilmington Star. Insertion ot city directory. carefully. your name ap- Von Morning pears, come to the Classified Ad of the Star-News between Local ATU agents reported in£ or evening Department today 1:00 p. m. and yester- * on same day 1939 HU1CK SPECIAL 4 o P- m. or m be DOOR Thursday 9 a. m. to 11 a. m. and you will be given one free pass (subject to defense '« except when to day the capture of a 200-gallon wood "next morning, touring sedan, equipped with ra- tax) see ... Saturday morning. dio. >d. fn,ertion is Newkirk Motors. 216 N. 2nd. steam still with a total capacity of r! iecond insertion will run Mon- Dial 3674. No classified ads sold 4,800 gallons and 2,800 gallons of 1910 DELUXE FORD FORDOR, mash in the northwest section of ?' RATES looks lik' new, low mileage. Har- °nl'classified ris Brunswick county. ,ate _15c per line Haskett. 6657, Mauldin Motor Co. Sheriff Croom of Pender 1,6 “‘time rate .-14c per line Deputy M per line county and ABC officers of Cum- [ me rate .13c CHEVROLET SALES & SERVICE iven per line "_10c 406-408 Princess Street berland county assisted the ATU tm‘e 8c Per line rate _ Raney Chevrolet men. -
Matt Morgan's, Florida Memory, Drawing in Frank Leslie's
On the cover: Matt Morgan’s, Florida Memory, drawing in Frank Leslie’s newspaper personifying yellow fever drag- ging down Florida. Florida’s yellow fever epidemic reached its peak in 1887. Alpata’s 2014 board chose to highlight the theme of diseases in history in the editorial section. State Archives of Florida, Florida Memory, http://floridamemory.com/ items/show/31518 “Alpata” is the Seminole-Muscogee word for alligator. i Alpata Contents A journal of history Editorial Section on Diseases Volume XI, Spring 2014 On Diseases: An Introduction ..................................................................... 1 Rachel Walkover A publication of the University of Florida Pestilence and Plague in the Roman World: A Christian Response ....... 3 Phi Alpha Theta, gamma eta chapter Daniel Conigliaro A Pestilence and a Catalyst: The Fourteenth-Century Black Death ....... 6 Graduate Managing Editor Rachel Walkover Carlos Hernández Class, Religion, and Disease: Cholera in 1832 New York City .............. 10 Undergraduate Managing Editor Jackson Loop Rachel Walkover A History of Cholera in Cuba: Nationalism and Colonial Politics ....... 14 Daniel Fernández-Guevara Book Review Editors Erin Zavitz and Toni-Lee Maitland Featured Articles Editors Sway and Scandal: The Sexual Politics of Eleanor of Aquitaine and Daniel Conigliaro Melisende of Jerusalem during the Second Crusades ............................ 19 Holly Soltis Daniel Fernández-Guevara Brittany Hibbert The (Im)Permananence of Letters: Representations of Masculinity in Joanna Joseph Pérez de Oliva’s Dialogue on the Dignity of Man ..................................... 30 Jackson Loop Matthew Michel Helen Miney “Unnatural and Retrograde”: Europe’s Progression toward a Emily Snyder Commercial Society as Described by Adam Smith ................................ 44 Katelyn Brantley Faculty Advisor Experimental Ireland: A Colonial Laboratory ........................................ -
Gilchrist Schools Receive an A
Serving Gilchrist County and Surrounding Area for over 89 Years 207 North Main Street, Trenton, Florida 32693 Phone (352) 463-7135 • Fax (352) 463-7393 $25.00 Digital Only, $25.00 Gilchrist County Price $30.00 Tri-County Area, $40.00 Out of Area Vol. 89 –– No. 8 www.gilchristcountyjournal.net Thursday, July 18, 2019 50¢ FDLE: Gilchrist Crime Rate up 75.8% SchoolSchool GradesGrades By Carrie A. Mizell the FDLE crime report shows a Sheriff Schultz said his department Gilchrist County residents realize The Florida Department of Law discrepancy in his department’s has changed reporting systems twice that this is not Chicago,” Schultz Enforcement’s 2018 Uniform Crime reporting of accurate crime statistics. since 2016 and he knows that only said. “We live in a safe community. Report has found Gilchrist County’s “The numbers that were reported half of the 2017 crime statistics were Anyone who has questions about 2018-20192018-2019 overall crime increased 75.8 percent for 2017 were not as accurate as reported. The sheriff said he typically our crime numbers, come sit and from 2017 to 2018. According to they should have been,” Schultz feels that the FDLE Uniform Crime talk with me, I can show you the real FDLE, robbery was down, while explained. “Whether it was computer Report gives a good representation numbers.” SCHOOL GRADE murder, rape, aggravated assault, or human error, only half of the of crime statistics in a county, but he In April 2018, local residents were burglary, larceny and vehicle theft numbers for 2017 got reported. We does not believe that the latest report rocked when two Gilchrist County was up in 2018. -
From Rooming House to Cozy Home
Serving the Glebe community since 1973 www.glebereport.ca ISSN 0702-7796 March 13, 2015 Vol. 43 No. 3 Issue no. 468 FREE ANNER T M to PHOTO: PHOTO: From rooming house to cozy home By Tom Tanner The sorry condition of the Glebe Avenue property should every family need their own washing machine, was not a deal breaker in 1978 when we decided to buy lawn mower or power tools? Co-operative living could We were enthused by the possibilities and prepared to the large semi-detached that operated as a rooming mean help with child care, home renovation and other overlook the reality. Well, almost – the dining room house. An opening between the two sides meant the tasks. Eventually two sets of families actually bought made an impression. The sliding doors to the foyer landlord rented 11 rooms and three apartments. Every homes in the Glebe. Of these four families, we are the were wired shut and there were three locks on the room had at least one lock. When we took possession only ones still living in our (now individualized) com- smaller door. Boxes of empty beer bottles filled the the seller rummaged through the trunk of his car where munal house. alcove and there was a mattress on the floor. But the he kept several boxes full of keys – for our new home The Glebe was quite affordable in the late 1970s. “Do- motorcycle was the biggest surprise; we did not even and his other properties. it-yourself” (DIY) was the watchword. But the Glebe notice the charming china cabinet built into the wall During the 1970s the possibility of shared housing on that side of the room. -
Payroll Bulletin 02-2009
Department of Accounts Payroll Bulletin Calendar Year 2009 December 23, 2008 Volume 2009-02 In This Issue of 9 Change in Pay Card Procedure The Payroll Bulletin is published 9 Utility Field for Pre-Tax periodically to provide CIPPS agencies the Payroll guidance regarding Commonwealth payroll Deductions operations. If you have any questions about Bulletin….... 9 Fringe Benefit Expenditure Codes the bulletin, please call Cathy McGill at (804) 371-7800 or Email at for Severance [email protected] 9 Savings Bond Annual Purchase Limits State Payroll Operations 9 Military Pay Taxability Change Director Lora L. George Effective 1/1/2009 Assistant Director Cathy C. McGill Change in Pay Card (EPPICard) Procedure New Prenotes for direct deposit accounts were eliminated in December, 2006 with the Recommended exception of prenotes for deposits to the EPPICard. The purpose of prenoting the Procedure EPPICard account was to allow time for the actual card to be produced and mailed to the employee. There have been several instances when payroll funds have been deposited to a card not yet received by the employee because the agency was not notified that the card had not been received. To eliminate this problem, it is recommended that agencies institute a practice of requiring the employee to notify the payroll office when the card has been received. It is also recommended that the direct deposit deduction should not be established on H0ZDC until the agency is notified that the employee has received the card. Once notified, the agency should establish the deduction and override the automatic prenote by changing the last position of the utility field to a zero.