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Cake day: July 18th, 2023

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  • There are a couple of benefits to credit cards (in the US at least).

    • Protection: If some steals my credit card info, I can fight the charges with the credit card company (and am not out any money while sorting it out) . With debit cards the money is gone and you’re fighting to get it back.
    • Rewards: most offer good cash back or point rewards. It means I save 2-3% on average compared to using a debit card
    • Persk: Many cards will add coverage for car rentals or discounts just for using them for the purchase.

    If you pay off the card each month you get all of those persk at zero cost. While technically credit card companies charge stores 2-3% for each swipe, in the US at least there is no price difference for the customer for cash/debit/credit.

    Edit/TLDR: In the US it’s cheaper and safer to use a credit card (if you can pay the balance every month).





  • As someone who was was an adjunct before and during the pandemic, I can tell you from first hand experience that a lot was lost when transitioning from in-person to remote learning.

    The most obvious impact was participation. Even at the college level, when students aren’t physically in the classroom they are less focused on the class.

    However, even beyond that there are a lot of things that suffer:

    • The ability to just walk over to a student to see how theyre doing (whether they want you to or not).
    • In class exercises and group collaboration.
    • The ability to easily dive into questions and tangents (drawing programs online are very hit or miss).
    • Not to mention audio and video issues.
    • Ability to read the classroom (going to fast, something wasn’t clear, etc.)

    It may not sound significant, but it really adds up. Not to mention that the impact from covid in education is very visible at all levels of education.