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4. Card

In Germany there are 3 different types of card payment. You can choose the bank card, debit card and credit card.

The bank cards are issued directly by the bank and are therefore the most popular cards in Germany. The bank cards are secret with a number, the PIN safe. This map is for payment to the EC-cash and electronic direct debit, which can be used on almost every box office. Each card is closely associated with a checking account.

The second card is not used quite as often, the money card. Cash Cards are non-cash plastic cards, which are provided with a chip. Most of these chips in the bank cards integrated. Over the chip money can be loaded onto the debit card. The amount is limited to 200 €. By this method, customers can pay without having to enter your pin and without a signature. The system works like a prepaid phone card. can be used, the system including at parking meters or on buses.

Another method of card payment is paid with a credit card. The pay with a credit card actually works just like paying with a bank card. The difference is that the payee receives the money directly, but the amount is only at the end of the month by the bank debited from the checking account. This creates an interest rate advantage for the debtor. This brings the Institute, however, mostly due to high annual amounts in again. In addition, the merchant must make a commission from the transfer amount.

Overview
first transfer and standing order
second debit
third Electronic payments
4th card payment

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third Electronic payments

in electronic payments, a distinction between EC-Cash (Electronic Cash method) and ELV (electronic direct debit). Both payment methods can be carried out with the "normal" bank card. However, this is already the only common ground, have these two Bezahlaren.

is the first main difference between the two types of payment that the ELV's toll-free in contrast to EC-Cash. The EC-Cash, in contrast, with costs. 0.3% of the payment as a fee goes to the bank (at least € 0.08). The query of the lock file is an additional 0.05 €. This query ensures that the debtor has money in the account. There are also, of course, each of the required fees to purchase equipment.

Then there is the advantage that is secured with fee-based EC-cash payment by entering the pin. The EULA is not assured, however, as a debit in a period of time can always be revoked. In addition, theoretically the account of the debtor be empty - it will not check whether money in the account is. In principle, the EULA will be only the banking information (account number, bank code is read ,...).

All in all we can say the EULA is effective but carries the risk of the dealer and paying him is not guaranteed. This method is particularly so for small amounts.
EC cash is generally used at higher amounts, as it is relatively expensive (each transfer will cost money). But the payment is secured. The lock file is checked every time to date, the money will be deposited directly online and the dealer does not have as much cash in the till.

Overview
first transfer and standing order
second debit
third Electronic payments
4th card payment

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Photoshop Secrets - Live from Kaiserslautern - Part III

After a short commercial break from Calvin for tutorial, photo paper and CS5. Was it already in the final sprint. It was mainly about the retouching of the skin. The skin is first smoothed and then completely re-equipped with various filters such as the high pass filter and an artificial noise again with pores. The whole is then with the help of a mask to the "impure" Skin aufgetragen.Da it is too complicated to describe the whole process here, I recommend one of the DVD tutorials, for which Calvin was involved.

When the pointer then from 17:59 to 18:00 was then promptly snapped at the end again and it went back for us 4 to zts. The Saturday has again this year once again, very worth it. Hopefully another time during the year in 2011!

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Photoshop Secrets - Live from Kaiserslautern Part II

Next Calvin was personally involved in the series. With him it was mainly very helpful tips and tricks for working with Photoshop. Since Photoshop offers such a breadth of features, it is hardly possible to know all the features. For example, I learned today that it is easily possible to give your screen free for other over the Web. But you have to file only "Share Screen" button. Then creates a URL that the person you with whom you want to share the image can be sent.


went after a short lunch break we continue with Olaf Gierczak . In Olaf you noticed right away that he can Photoshop out of the FF. His strengths are fantasy images from various images are collected (compositions). Among them were pictures of Hulk as a charming lover with flowers in hand, or a dog with a really great facial expressions. Also here I can only recommend olaf times on the side-giermann.de watch over and to browse through the gallery.

A characteristic of him are the so-called "Nupsies" present in almost every picture. However, they are a matter of taste.

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Photoshop Secrets - Live from Kaiserslautern

Having already last year all the way from Stuttgart to Hamburg had made to us, we have this year in the 200 km from Kaiserslautern to the continuation of the Photoshop Secrets Tour to visit. We, that are Anja our prospective trainees media designer Sebastian, Mathias and myself. It started today morning at 5:55 am Ehninger Station. Our goal, the College of Architecture and Art in Kaiserslautern we reached after about 3.5 hours.



was in contrast to the lecture last year in Hamburg Calvin this time not alone in Kaiserslautern, but the gain of Philip of beauty-fool and Olaf Gierczak . Calvin opened the day opening with two words. Then it went right off with a lecture by Philip . Philip, who works as a photographer in an agency, is one half of the residents in Swabia Blog beauty-fool.de . The other half, Tobi, the chemical laboratory is full time, was unable to attend because of a wedding. In the talk was different images and compositions shown and explained the structure. Particularly impressive, I found this photo shoot in a kindergarten. However, this was no normal "kindergarten shooting" in which each child was clipped once briefly, but the children have before the photo partially gepost very professional and well drilled in the nose. The result are great and individual pictures of each child. The post-processing of images has shown us Philipp still on his laptop. The whole shoot was accompanied with a camera - this led to a truly remarkable film.

Then he showed us some compositions that they had created for a contest the newspaper fotoMAGAZIN . The newspaper is a monthly task for a picture. To get into the industry a year to clean the two long taken part in every competition. The results were 9 placings in the top 10 - including 3 victories. Since the description of the images is too complicated, I recommend you just go to their side.
At the end of his presentation he has given us a glimpse into a past contract: The task was the creation of a cover of a rock band. Here, we had opted for a turning cover, wherein on each of the 4 sides one gang member foreground and the rest is seen in the background. His motive was chosen 4 different sports (swimming, golf, tennis and basketball) that allowed the construction of images that were specially created in HDR really looked brilliant. However, the client was (for me, inexplicably) not satisfied. For this reason, the image being required to be processed so that the images look like "normal".