Monthly Archives: July 2013

Traveling? CREDIT CARD USE ripoff UPDATE Using an ATM? Be careful of fees for conversion!+

WARNING TRAVELLERS! European banks are out to get your money. There is no consistency in the rate being charged so YOUR bank is not the issue. Below are examples:

Wednesday night when paying for dinner, the waiter asked if I wanted to pay in dollars. NO!

Yesterday, at London Heathrow buying DutyFree, the clerk ASSUMED I wanted dollars and quoted me a price in dollars… I said, how much in pounds, she told me, I was about to pay 4% more if I had agreed. I said NO!

I first noticed this at the ATM of a German Bank in Zagreb, then a Brazil bank in Osijek, my gut said “no, don’t do it” I followed my gut.

Then yesterday, in Budapest, I needed cash at the last minute and the ATM offered this conversion “SERVICE” to charge my bank in USD.

The exchange rate they offered was 203HUF/1$, I said NO! I knew that was a BAD rate

When I checked the bank just now I did not get 203 HUF per 1USD… I GOT 223!!!


SO, when you must use cash, YES use the ATM. You get more money for your dollar (or whatever). But know the going rate (XE.COM has great apps… WIFI is almost everywhere) and PAY ATTENTION.

DO NOT use the convert to dollars service, it is a rip off.

If you don’t need the 8.9% donate it to CEO instead!


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Keeping tuned in

“A practicing Christian must above all be one who practices the perpetual return of the soul into the inner sanctuary,…” – Thomas Kelly

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Two friends have urgent travel needs:

One needs favor with British Airways and American Airlines over a baggage issue that could cost them $1600. Airlines can just waive at desk. Pray they do! In the next few minutes!

The second need $2700 to ship thier stuff here to Hungary because of customs law changes. Please pray!

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Paul on serving in humility

Brothers, if anyone is caught in any transgression, you who are spiritual should restore him in a spirit of gentleness. Keep watch on yourself, lest you too be tempted. Bear one another’s burdens, and    so fulfill tthe law of Christ. For if anyone thinks he is something, when he is nothing, he deceives himself. (Gal. 6.1-3 ESV)

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Devotional Classics


Devotional Classics.

This has been a very helpful tool during my ongoing period of seeking spiritual nurture. God has met me numerous times as I have prayed through this material.

Even though I’m no longer in solitude, I continue to work through this helpful collection.

I reccommend it as a tool in your spiritual development library.

(pic is fuzzy ‘cuz I was on a train)

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July 19, 2013 · 15:44