Changing times

Okay, this is a confession of just how old I am, but do you remember when the iconic ATM first showed up? Because I do. I remember the fanfare, the “oh wow” that accompanied approaching these things for the first time, and the realization that this was one of the implications of a connected economy,…

Who holds the debt?

We found a lovely shop with coffee, chocolate, lots of different jams, syrups and homemade items.  I bought a lovely new coffee and when I went to pay, I pulled out my CIBC Visa.  The store clerk commented that that was her bank. “I decided that I would open a US money account – I…