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Topics - Kyon

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Humor and Videos / Sandviches!
« on: September 29, 2011, 02:57:02 pm »
from Team Fortress 2 xD
Team Fortress 2 - Sandviches!

General Chat / Bank of America to charge $5 debit card fee
« on: September 29, 2011, 02:36:03 pm »
NEW YORK (AP) -- Bank of America plans to start charging customers a  $5 monthly fee for using their debit card to make purchases. The fee  will be rolled out starting early next year.
A number of banks  have already either rolled out or are testing such fees. But Bank of  America's announcement carries added weight because it is the largest  U.S. bank by deposits.
Anne Pace, a Bank of America Corp.  spokeswoman, said Thursday that customers will only be charged the fee  if they use their debit cards for purchases in any given month.  Customers won't be charged if they only use their cards at an ATM.
The  fee will apply to basic accounts and will be in addition to any  existing monthly service fees. For example, one of the bank's basic  accounts charges a $12 monthly fee unless customers meet certain  conditions, such as maintaining a minimum average balance of $1,500.
A  fee for using debit cards is still a novel concept for many consumers  and was unheard of before this year. But there are signs it may soon  become an industry norm.
SunTrust, a regional bank based in  Atlanta, began charging a $5 debit card fee on its basic checking  accounts this summer. Regions Financial, which is based in Birmingham,  Ala., plans to start charging a $4 fee next month.
Chase and Wells  Fargo are also testing $3 monthly debit card fees in select markets.  Neither bank has said when it will make a final decision on whether to  roll out the fee more broadly.
The growing prevalence of the debit card fee is alarming for Josh Wood, a 32-year-old financial adviser in Amarillo, Texas.
Wood  relies entirely on debit cards to avoid interest charges on a credit  card. If his bank, Wells Fargo, began charging a debit card fee, he said  he would take his business to a credit union.
If a debit fee became so prevalent that it was unavoidable, Wood said he's not sure how he'd react.
"I might use all cash. Or go back to writing checks," he said.
The  debit card fee isn't the only unwelcome change for checking account  customers are seeing either. The banking industry has been raising fees  and scaling back on rewards programs as they adjust to new regulations  that will limit traditional revenue sources.
Starting Oct. 1, a  regulation will cap the fees that banks can collect from merchants  whenever customers swipe their debit cards. Those fees generated $19  billion in revenue for banks in 2009, according to the Nilson Report,  which tracks the payments industry.
There is no similar cap on the  fees that banks can collect from merchants when customers use their  credit cards, however. That means banks may increasingly encourage  customers to reach for their credit cards, reversing a trend toward  debit card usage in the past several years.
An increasing reliance  on credit cards would be particularly beneficial for Bank of America,  which is a major credit card issuer, notes Bart Narter, a banking  analyst with Celent, a consulting firm.
"It's become a more profitable business, at least in relation to debit cards," Narter said.
This  summer, an Associated Press-GfK poll found that two-thirds of consumers  use debit cards more frequently than credit cards. But when asked how  they would react if they were charged a $3 monthly debit card fee, 61  percent said they'd find another way to pay.
If the fee were $5, 66 percent said they would also change their payment method.
Bank  of America's debit card fee will be rolled out in stages starting with  select states in early 2012. The company would not say which states  would be affected first.
Bank of America shares rose 9 cents, or 1.5 percent, to $6.25 in afternoon trading.
So starting next year, BOA is going to charge $5 debit card fee...I have a feeling that most of the Bank of America customers will switch to a different bank.

Favorite Screen Shots / Replacement (L4D2)
« on: August 06, 2011, 12:52:50 pm »
Rochelle, Coach, Ellis, and Nick got replaced by Samus (Metroid), Master Chief (Halo), Spider-Man, and Solid Snake (Metal Gear Solid). Perfect team! :D

Favorite Screen Shots / Take a Look in the Mirror... (Portal 2)
« on: July 02, 2011, 10:10:10 am »
err...Portal :P

Favorite Screen Shots / It's been a while (Team Fortress 2)
« on: June 26, 2011, 02:41:06 pm »
Well its been a while to play Team Fortress this is all I got so far lol.

Favorite Screen Shots / Francis (L4D)
« on: June 18, 2011, 11:03:39 pm »
I know its too big but whatever lolxD
and this is what i got so far on ss

Other Games / Portal 2
« on: April 13, 2011, 10:23:23 am »
So anyone is going to buy Portal 2? I am and it looks really fun.  This game is coming out April 19 and you can pre order for around $45. :biggrin:
 Aperture Investment Opportunity #2: "Bot Trust"

PC Related Stuff/Questions / Looking for nice TV on Black Friday deals...
« on: November 23, 2010, 03:14:57 pm »
I'm looking for a very nice TV for Black Friday deal but I can go up to $600. So can anyone suggest(or give me a link) which TV is the best deal?

Left 4 Dead / L4D2 is now cheap (for short time)
« on: March 23, 2010, 04:54:22 pm »
For those ppl who dont have l4d2, today through Thursday Left 4 Dead 2 is on sale for $24.99. Not only that, but the Left 4 Dead 2 Four Pack is priced at $74.99. That's $18.75 a piece!

Banned Players / A [B][color=red]I'M A RACIST BASTARD!![/color][/B]
« on: January 27, 2010, 12:31:57 am »
Player Name : A I'M A RACIST BASTARD!!
Server : BC 2
Date : 1/26/2010
Ban length : 30 days
Reason for banning : Racial Name

A hack was involved?  No
Type of Hack being used :
Description of Hack being by this player :

Humor and Videos / Human Bat Prank
« on: October 27, 2009, 10:52:48 pm »

PC Related Stuff/Questions / Can't connect to steam...
« on: August 10, 2009, 11:42:15 am »
I keep getting the message "Steam is having trouble connecting to the Steam servers" with the options "Retry connection" or "Cancel". I did click "Retry connection" several times but it keeps doing that. Now I did uninstall and reinstall steam and it won't work. I did scan virus (Avast) and so far no virus nor trojan. I did turn off firewall and did connect but gives me same message. It seem I tried everything to connect to steam my internet is perfectly fine. However what I notice something is that I connect to my friend's house and it works well just to connect to steam. But when I connect to my house, it won't work to connect to my steam. So I was wonder if anyone can help me out to fix this? Thanks.

Banned Players / Guest1
« on: June 02, 2009, 08:09:51 pm »
Name of player: Guest1
Game ID (Steam ID, PB Hash, etc): ???
Server: Teamspeak BC2 normal channel
Date: 6/2/09
Ban length: ?
Reason for banning: Saying political and racial stuff...

Sorry this is my first Teamspeak ban  -_-
I forgot to add TS ID...

Banned Players / ViOLaTion
« on: May 26, 2009, 08:11:30 pm »
Name of player: ViOLation
Game ID (Steam ID, PB Hash, etc):
Server: BC2
Date: 5/26/09
Ban length: 30 Days
Reason for banning: Team killing and saying the n words.

Banned Players / JR
« on: May 24, 2009, 02:52:02 pm »
Name of player: JR
Game ID (Steam ID, PB Hash, etc):
Server: BC2
Date: 5/24/09
Ban length: 30 days
Reason for banning: Asked to be banned.

Pictures of Pwnage / Woot! (Halo)
« on: February 25, 2009, 01:15:50 pm »
Yeah!  :supz:

Humor and Videos / Amazing Camoflage
« on: February 19, 2009, 08:01:34 am »

Banned Players / MEDIC69
« on: February 14, 2009, 12:48:05 am »
Name of player: MEDIC69
Game ID (Steam ID, PB Hash, etc):
Server: BC2
Date: 2/13/09
Ban length: 1 day
Reason for banning: racism

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