In A World Dominated By Credit Card And Online Shopping, Why Are ATMs Still Popular?

The Automatic Teller Machine celebrated its fiftieth birthday in 2017. Introduced to improve customer services by banks, it gave bank customers access to their money any time of day all through the year. Unlike banks that have fixed operating hours, the ATM allowed bank customers to withdraw their money anytime they needed to. Over the course of time, the ATM experienced improved technical capabilities. As such, modern day ATMs can do more than just withdraw cash.

For instance, bank customers can use modern ATMs to deposit cash, check account information such as account statements, and transfer funds. Importantly, bank customers can do this any time of day, any time of the year. As such, ATMs give bank customers an avenue to access wider array bank services with extreme ease. Some of the other competing solutions cannot offer any comparable services. As such, the ATM has not only survived the emergence of online credit cards and online shopping, it is still very popular.

There is no denying that the use of credit cards for shopping both in the case of online shopping and brick and mortar stores is very popular. However, there are plenty of people that live by the adage ‘cash is king.’ There are people who prefer using cash as their mode of payments. This may arise as personal preference as they consider using cash as the best way of paying for good and services. As such, such individuals rely on ATMs to withdraw their money from their accounts for daily spending. Consequently, this makes ATM usage quite popular.

Other still have had a negative experience while using credit card making purchases. As such, such individuals end up preferring the use of cash instead of credit cards. In order to access the cash they need to spend, they simply make use of ATMs. This also makes also makes ATMs popular despite the prevalent use of credit cards and online shopping. Also with the rise of Marijuana dispensaries the need for pot shop ATM’s is on the rise. This is especially true because of the Federally illegal status of marijuana making banking with most major banks not possible.

Another reason that ATMs are still popular is the need to use cash in certain places and for certain industries. There are plenty of businesses that do not accept credit cards, cash only. There are businesses that do not have credit card processing machines and, therefore, customers need to make payment in cash to purchase goods and services. In such situations, the best solution is to withdraw cash from ATMs.

In some cases, there are industries that the payment processing companies do not serve, thereby making the use of credit card untenable. For instance, payment processing companies typically shy away from serving the cannabis industry, the adult industry, the gambling industry, and other industries that are considered as risky industries. Consequently, businesses in these industries are typically forced to take payment in cash. Consequently, this has ensured that ATM machines are in use and popular.

In a nutshell, while there are many payment solutions that are competing with ATMs, there is still unique utility for ATMs which makes it very difficult to get rid of ATM entirely. They are still popular and will stay that way for quite some time.

Building Your Own House


Alternative House Construction

Alternative house construction covers both the choice of primary structural materials such as general steel buildings and techniques and house construction methods for details such as exterior shutters and for different shells such as straw bale house construction. Modular prefabricated home additions and Victorian modular homes are also found here. Other construction techniques like timber frame homes; post and beam new home construction, stone house construction and concrete block house construction are sub topics in this section. Other subjects include deck building, entry doors and wood exterior doors, home electrical wiring, house additions, mobile home additions, and storage buildings.

Estimating Home Building Costs

Estimating Home Building Costs is important for the homeowner who requires a construction loan. If the homeowner engages a contractor to build a house of the homeowner’s design, homebuilding cost will usually be covered in part by a construction loan that is converted into a mortgage after completion of the home.

Home Loan New Construction

Home loans for new construction are replaced with mortgages after construction is completed. Most banks require a licensed general contractor that is responsible for the construction in order to grant a construction loan. However, there are a few sources for home owner/builder construction loans.

Home Building Insurance

Insurance during the construction process is important to guard against loss from construction site accidents and fire.

Home Building Plans

Home building plans include house plans and home construction planning. Planning might include a construction checklist to insure inspections and construction jobs are scheduled and completed in a timely fashion. A building inspection checklist is used to inspect and record problems and exceptions at the end of each job and to insure the home is ready for each inspection and for final approval by the homeowner.

House Construction Methods

House construction methods include topics like instructions for installing vinyl siding, timber pressure treatment, how to shingle a roof, exterior house painting and painting Victorian homes, how to install hardwood floors and how to refinish hardwood floors. Methods for installing fascia soffit, installing asphalt shingles, how to install house guttering and how to install vinyl siding are found both here and in the Do It Yourself Home Improvements section.

New Building Construction Products

It is important to compare new building construction products to traditional products in order to determine cost, energy efficiency and other advantages they may offer. For instance in comparing hardwood floors, it is important to consider thermal conductivity if you have radiant floor heating. Expanded polystyrene cornices and Styrofoam ceiling beams and Styrofoam crown molding are generally cheaper and offer more variety then cornices and beams made from other materials. Vinyl log siding is easier to maintain then conventional wood log siding.

A Few Types Of Materials Used in Home Siding

Siding can play a vital role in protecting the walls of your home and also enhancing its aesthetic appeal. A number of materials like wood and stone have been traditionally used as siding, and technology has gone forward to add many more like fiber cement, vinyl, and aluminum. In addition to this article we always recommend you talk with a qualified siding contractor in your area.

Siding for a home is not only decorative but can protect the walls of your home from the depredations of weather and insects. Siding panels can be layered so that they seal the seams and create a monolithic structure that can prevent moisture from getting in between the siding and walls so that any formation of mold is prevented. Reference – – Dial One Roofing company.

Wood siding is the most common siding material and is cheaper than other alternatives. Installation is also relatively simple, as the skills required for this sort of siding are widely available. There is also an abundance of this material and many varieties that can be used. The wood needs to be properly seasoned so that it can resist the weather. Wood is inflammable, but the use of fire retarding paints can help to render this material safer.

Materials like aluminum and vinyl siding are resistant to fire but are more expensive. They, however, require far less maintenance and will also last longer. They are available in a wide variety of colors and architects can use them to create different aesthetic effects that can make the exterior of the home look very attractive. These siding materials require a proper framework to be attached to the walls or structure of a building, and may also require a fair bit of expertise for proper installation.

Vinyl siding is a material that is commonly used for the siding of homes, as there is a wide variety of textures, colors, and styles that can be made to imitate wood, stone or any other desired architectural effect. The siding, like aluminum, is also light and thus can be installed in larger panels, thus reducing the number of joints. Maintenance is very easy and the use of water and detergents can have sidings always looking like new. We can recommend our favorite vinyl siding company James Hardie.


Fiber cement siding is made up of cement, sand and cellulose fiber and undergoes pressure and steam treatment during its manufacture. This siding can last much longer than other sidings and may not require replacement during the life of a home. Of all the various materials that can be used for siding, wood is the most versatile as it can be colored and made into different profiles. Maintenance requirements are heavy and wooden siding requires constant attention.

You need to look at the structural requirements for any framework that may be needed for a siding material, as this can greatly increase costs and fixing problems. Budget restraints can determine the choice, while maintenance requirements also need to be considered for long terms, as this can add to costs. The right siding can go a long way in improving the looks of a home and giving it a distinctive appearance that sets it apart from the other homes in your area.

Getting your LASIK done in Portland?

What Is LASIK Eye Surgery?

LASIK surgery uses a refractive laser to correct vision problems such as astigmatism, hyperopia and myopia. The surgery basically involves reshaping the cornea in order to allow optimal light to refract on the retina to provide clearer vision. To learn more visit Dr. Crews Portland LASIK.

What Are The Risks Of Laser Eye Surgery?

There are certain risks involved with LASIK and there can be some side effects. Dry eyes and disturbances in vision (such as a glare or halo surrounding objects) are common side effects but these normally resolve within a few days to a couple of weeks after the surgery.

There is also a small risk of an under-correction which means not enough tissue was removed from the cornea and therefore the best results would not have been achieved. A follow-up procedure can however correct this problem.

Another risk is where to much tissue is removed called an over-correction. In this case, it may not be possible to correct the error. Astigmatism may result from the uneven removal of tissue and in most cases is correctable. It is however rare that astigmatism, under-correction or over-correction is performed by a skilled and experienced LASIK eye surgeon.

There is also a small risk that the epithelium may grow back abnormally during the healing process. As with any surgery, there is a risk of infection, however, this a relatively small risk due to the fact that a laser is used to perform the procedure.

Changes in vision occur in a small percentage of LASIK eye surgery patients. Total vision loss is even more rare but there is a risk that this can occur.

Laser eye surgery may also be a costly procedure. However, some health insurance policies may cover a portion or total cost of the surgery.

The procedure does not require any general anesthetic which means that patients are awake during the procedure which can be a deterrent to most patients having the procedure performed. Minimal pain can be experienced during the surgery and local anesthetic in the form of eye drops are generally used to numb the area pre-procedure.

Not everyone is a eligible for laser eye surgery and certain health conditions as well as patients over the age of 40 years are not considered to be good candidates for the procedure.

What Are The Benefits Of LASIK Eye Surgery?

Due to the low risks associated with laser surgery to correct vision problems, the procedure is considered safe especially in comparison with other types of eye surgery. The procedure can be completed in around 5 minutes and is therefore very quick and convenient for most patients.

The results from a LASIK procedure are also very quick with most patients reporting improved vision within a few hours to 48 hours after the procedure.

One of the greatest pros of having this procedure performed is that the patient will no longer require glasses or contact lenses.

In most cases, a measurable improvement in vision can be expected and in about 20% to 30% of procedures, full 20/20 vision can be restored.

Tips For Putting A Parent Into Assisted Living

There are few decisions more difficult than putting one of your parents into an assisted living or retirement facility. There are a lot of social stigmas about doing so, and many will likely make you feel as if you’re giving up on them. Sometimes parents even resent their family members for “sending them away” in that manner. Sometimes however, it’s simply the right thing to do. If you’ve realized this is the best course of action for your parent, many more decisions lie ahead of you. In order to help ease the stress, here are several tips for putting a parent into an assisted living facility, as well as finding the right one. Finding the right retirement community for seniors is extremely important.

First of all, finding the right assisted living facility is of the utmost importance. You need to make sure that your parent will be well taken care of and comfortable. The best thing to do is combine a ton of your own research with recommendations from any doctors your parent may have. If you can, schedule tours at any locations that look promising. There’s something to be said for being able to trust your gut. If a place feels right, you’ll know it immediately.

In your research, you should be sure to note any locations that promote 24 hour care. It’s also important to find a facility that does have some sort of regular visitor hours with a cutoff. After all, you don’t want your parent to be in a location where anyone is welcome to roam around freely. The potential safety risks are just too great. That said, you don’t want to opt for a facility that’s actually overly strict. For instance, if some sort of family emergency arises, you’re going to need some sort of access regardless of what time it is. As long as there are clear guidelines but exceptions can be made if you have clearance and there’s an active security team, that bodes fairly well.

The cost of course will factor in heavily, but you should put that as your last priority. If there’s a particular facility that goes for a bit more than your other options but you know it’s the right choice, do your best to restructure your budget to make it all work out. Employ the help of others in your family as well. If anyone else is willing to help out, especially other siblings or any other immediate family members, it could greatly ease the financial burden. Your parent’s health insurance plan may also be able to lend a hand, so be sure to review it carefully.

Finally, let yourself off the hook if you’re feeling guilty about your decision. If your parent needs assisted living and that’s the best way they can receive the care they need, it’s the right thing to do. It doesn’t mean you’re giving up on them or putting them away to be forgotten. If someone forces this sort of dismissive and negative viewpoint onto you in order to shame you or make you feel guilty, feel assured that you’re doing what was necessary. As long as you keep regular contact and do your best to keep options for their release in regular discussion, no one should ever have a single bad word to say.