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Canadians motivated by convenience and rewards when it comes to payment choices

Convenience and rewards are the dominant themes in this year’s Canadian Payment Methods and Trends (CPMT) report by Payments Canada. Credit cards are clearly paving the way for friction-free payments and luring new customers with lucrative rewards programs, online and mobile banking are gaining the trust of Canadians as electronic finally overtakes paper, and social media payments are just around the corner, thanks to new partnerships in fintech.

“There were more than 21.3 billion consumer and business payments made in 2016 worth more than $9 trillion, so even small changes in behaviours can have a big impact,” said Anne Butler, Vice President Policy, Research, Legal and General Counsel. “The annual analysis of how these payments were made provides important insights for Payments Canada and our financial institution participants as we collaborate on the ongoing modernization of Canada’s payments architecture.”

This year’s analysis shows the continued dominance of credit cards at the point-of-sale, totalling more than $462 billion in 2016. In fact, Canada has become a global leader in credit card use as growing numbers of Canadians – including businesses – use their credit cards for larger portions of their monthly spending to earn rewards. Credit cards experienced growth as more transactions shifted to online and in-app channels – such as the friction-free payment experience of Uber or iTunes – where more than 90 per cent of transactions are completed via credit cards. At the same time, more Canadians are choosing to tap their cards or phones at the point-of sale in lieu of cash or chip-and-PIN. This growing trend, since the introduction of mobile wallets to Canada in 2016, has served as an added boost for both credit and debit cards.

Another intriguing area of change is with transactions made online, including online banking, where user confidence is clearly building. Online transfers, such as Interac e-Transfer (which accounts for about 90 per cent of the volume in this category) and PayPal, topped all payment methods in rate of growth. In 2016, transactions were up by nearly 48 per cent to 177 million and value increased by 51 per cent to $68 billion. Also noteworthy is the growing use of online transfers by businesses. About 10 per cent of online transfers were made by businesses, compared to fewer than five per cent in prior years.

At the same time, electronic funds transfers (EFT), often associated with payroll and consumer bill payments, surpassed cheque value for the first time in 2016. Despite hitting this milestone, EFT use declined overall as more and more Canadians set themselves up for recurring bill payments – such as car insurance and utility payments – on their credit cards to earn rewards.

If China’s Alipay and WeChat Pay are any indication, a trend to watch is the rise of social media payments. While they have yet to hit the mainstream in Canada, the increased collaboration between new-entrant fintechs and Canadian financial institutions suggests a new level of convenience for banking and payments is on the way. Current pilot projects are leveraging traditional payment methods such as credit and online transfers on social messenger services. It is likely the use of the more ubiquitous Facebook, Google, and Apple messenger services will hold the most promise for social media payments in Canada.

Other noteworthy data points from the 2017 Canadian Payment Methods and Trends report include:

  • Cash continued its decline but remains the most widely used payment method, making up more than a third of the total volume at the point-of-sale. Interestingly, in 2016 cash showed signs of stabilizing (or at least declining at a slower rate) than in the past.
  • Debit use at the point-of-sale grew by five per cent and is the second most widely used payment method in this space, followed closely by credit cards. In 2016, debit represented $226 billion or 28 per cent of all point-of-sale value. Both debit and credit card growth was lifted by the increasing convenience of being able to tap a card or phone at the point-of-sale.
  • Cheque use continues to decline slightly but the total average value of cheques remains on an upward trend. Fewer cheques are being written but for increasingly higher amounts. In 2016, the 798 million cheques written totalled almost $4 trillion.

The CPMT report was compiled by Payments Canada with the help of payment service providers, payments consultants and researchers to help build a comprehensive understanding of the Canadian payments landscape in 2016.

For more information and to read the full report, please visit Canadian Payment Methods and Trends (CPMT) report.

About Payments Canada:

Payments Canada ensures that financial transactions in Canada are carried out safely and securely each day. The organization underpins the Canadian financial system and economy by owning and operating Canada’s payment clearing and settlement infrastructure, including associated systems, bylaws, rules and standards. The value of payments cleared and settled by Payments Canada in 2016 was nearly $50 trillion or $201.5 billion every business day. These encompass a wide range of payments made by Canadians and businesses involving inter-bank transactions, including those made with debit cards, pre-authorized debits, direct deposits, bill payments, wire payments and cheques. Payments Canada is a proud supporter of the Catalyst Accord and The 30% Club.

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  22. Hello everyone! Lately I have been dealing with a lot of personal issues. Friends and doctors keep telling me I should consider taking meds, so I may as well url and see how it goes. Problem is, I haven’t taken it for a while, and don’t wanna get back to it, we’ll see how it goes.

  23. D'Souza is a joke. He debated Christopher Hitchens and stated he would scientifically prove the existance of the Christian god and then went on to not scientifically prove the existance of the Christian god. If he thinks he's an intellectual does that make it true? To right wingers anyone who can complete a whole sentence is granted intellectual status ala Newt and Dinesh. Oh, and it obviously doesn't hurt to bash Black people.

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  39. ,Thanks for pointing that out. Every once in a while, I forget to escape the less-than sign or greater-than sign in use of generics and the browser tries to interpret them as HTML tags. That's what happened here, but I've fixed it now.Thanks again for the feedback and for letting me know about that issue.Dustin

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  54. Great review! I whole-heartedly agree that the world-building in MATCHED is really well-done. I think Condie reveals information at a perfect pace — and the world she created is subtly chilling."i carry your heart with me" by e.e. cummings is definitely on my list of 100 poems. 🙂

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  62. That looks like fun – I've wandered round Brsitol and Bath's German markets in the past, but Brum's looks a lot better (excluding the tourist tat, of course). The little gluhwein cups are so sweet – I would have been tempted to 'liberate' one! Looks like you two had a great time.I love the coat – totally secret agent!

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  67. Speech therapy can be really useful. It’s not so much a matter of figuring out what’s wrong, or if anything’s wrong, or if the kid will be fine or not fine – it’s more a matter of just picking up what you can where you can to support Chicky’s language development. Seeing the specialist sounds like a great place to start.

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  69. MRW, you certainly live in a haze – it’s called ignorance. Anyway, you can investigate the Holocaust all you like. Here’s a conference you might try to get into next time it’s held.Hell, with your credentials in historical research you might even get to sit next to David Duke!

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  71. Because Mr. Albone. If Sabrina had never run her mouth so much and mocked Helle’s Belles she would not have been in this situation. She had her way then…and paying for it now. You do not tease a heel and think that will be it. Think it is all just going to be settled in the ring. Sabrina learned this lesson the hard way.

  72. c koko ki a dit « casse toi pov con » parce que le mec lui a dit « je te touche pas, je vais me salir », pas l’inverseMaitenant, si on fait le rapport prune/salaire on arrive a autre chose d’intéressant.vivement la revolution francaise 2.0

  73. Venga ya, hombre. Que este psicótico haya invocado nombres rimbombantes e identidades numinosas no da derecho a nadie a afirmar que poseía o posee fe en Satanás. Sea vd. un poco más objetivo, que el satanismo es bien diferente de lo que usted se cree.

  74. Your pompous self-importance only goes to prove radii’s point gf.And what’s certainly NOT fascinating is YOU and your insidious anti-goy inverted snobbery.So like what the heck do you want? For the whole world to be in-love and blind-proud of the apartheid state of israel like you are? Otherwise you consider them prejudice eh? Sheesh – grow up and snap outta yer indulgent one woman personality cult.

  75. Bueno según mi experiencia como psicólogo toda relación de pareja es rescatable, excepto aquellas que buscan ayuda cuando ya es muy tarde, es por eso que he dedicado más de 12 años a ayudar a las parejas tanto en condición de noviazgo como de matrimonio! Y ahora cuanto con una pagina web exclusiva para parejas que quieran solucionar sus problemas de pareja! Quedan cordialmente invitados

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  77. Ja men jag tycker faktiskt att du är väligt lik henne Eleonore! Både utseende och stil påminner om varandra. Och det är absolut en komplimang:)B t w så gillar jag din nya blogg mycket bättre än den röriga på Modette:)

  78. Toril: Morsomt at noen ender opp der de opprinnelig planla, ja, til tross for noen omveier her og der. Og når jeg tenker meg om, ville jeg bli lærer da jeg gikk på barneskolen. Så kanskje jeg også har gjort nettopp det. Enn så lenge. For vi har mange muligheter fremdeles, dersom det skulle falle seg sånn.

  79. Shit like this just reinforces the meme that you never get what you vote for, whether it’s Liberal, Conservative, or NDP.I’m already amused by Conservatives, ever the stone-throwers, rationalizing political ploys like this. It’s like that episode of the Twilight Zone where the revolutionary turns into the tyrant he deposed.

  80. Oh Cath you should have so played along in last month Where Bloggers Create Blog event. I'm sure Jo would have picked your fabulously organised studio for a feature in the next WWC mag! I love all your many drawers and boxes and the stamp holders and the deer heads, simply fabulous!Hope you'll upload these new photos to flickr and add them to the Vintage inspired studio group!Sending you best wishes from GermanyCarola

  81. Guten Morgen liebe Katrin,mir fehlen eigentlich die richtigen Worte zu Deine Karte.Eine traumhaft schöne Hochzeitskarte hast Du gezaubert,da passt alles so harmonisch und perfekt zusammen.Vom Design über Farbgestaltung,einfach alles ein Traum!!Na denn wünsche ich Dir jetzt schonmal viel Glück und freu mich auf morgen,komme wieder:)Wünsche Dir einen wunderschönen Tag.Sei ganz lieb gegrüßt und geknuddeltIrmi

  82. Give me it all!! I want all the stuff! The panda purse is hilarious and I thought you didn't like those deer? Imust've been mistaken – he'll look great near the wall of random. I want to come over and play with all that make up! I love your dress/nightie! It's amazing. There is something going round, not sure if it's spread to Walsall yet though so Jon may have the bubonic plague like meThanks for cheering me up, my afternoon hass been extremely dull so far

  83. Marketing for Creatives: Advice for Those Just Starting to Use the Internet to Market Submitted by on Thu, 11/10/12 – 14:26 This video was really interesting, gives the newbie a lot of confidence.Definitely got to learn video marketing! Thank you Keith Everett!

  84. Excellent, Debbie. Thanks for sharing. Looks like I might be able to participate in NaNo after all if nothing is ever visible to others. Tell me, have you ever downloaded the WRITE OR DIE software? The idea of having my hard-won words erased before my eyes if I don’t keep my fingers moving makes me want to weep.

  85. I love your choice! These pictures are certainly notecard worthy. Love the blue sky combined with the bright autumn colours. I wish we had autumns like that over here. Our autumns have mostly grey skies, a lot of rain, and the autumn colours, well, they are there but they're never that bright. I hope to experience an autumn once in the North East of the US(Vermont, Maine,…).Bye,Marian

  86. I blog frequently and I seriously thank you for your content. Your article has really peaked my interest. I’m going to bookmark your blog and keep checking for new information about once per week. I opted in for your RSS feed as well.

  87. Per theDRaKKaR a me hanno sempre detto che perdono progressivamente efficacia, fino al punto da diventare inutilibeh dipende dalla molecola, no? magari degrada in qualcosa di micidiale :DNo, mi han detto che hanno questo comportamento, tranne rarissime eccezioni. Se qualcuno qui ha studiato farmacia, forse può approfondire.

  88. Simply BEAUTIFUL blossoms! Love both the hibiscus and daffodils and am reminded my irises sprouted back in October and the shoots have been growing taller ever since. I have no idea what's going to happen to them when (if?) winter ever comes to Southern California.Hugs and blessings,

  89. Mais en fait, je dis pas ca méchamment, hein ! Surtout pas, je veux pas vexer ! Mais c’est quoi l’interet d’essayer des produits dont tout le monde essaye ? Vu comment cette JolieBox/GlossyBox tourne… Ca ne me donnes pas envie de l’acheter… Je préfère tester des produits choisis par moi meme !

  90. a tak w ogóle to jeszcze „dziÄ™ki” temu Twojemu eksperymentowi politycy, bÄ™dÄ… powoÅ‚ywać siÄ™ na Twój przykÅ‚ad, że można za 50 pln wyżyć miesiÄ…c i to smacznie, wiÄ™c można jeszcze podnieść podatki, tak że miej na uwadze, że możesz zmienić los niektórych rodaków na jeszcze bardziej mizerny

  91. , everywhere we went, we had a really nice time and people were incredibly welcoming.I think the guy at JAR might be competing for the best SA if everyone who goes there only has nice things to say about him (young-ish, tall, light hair and wearing glasses).And Jovoy is a must-stop next time you're in Paris!

  92. O próprio SINTEAL divulgou que seria fácil, já estava certo e que em agosto seria aprovado com retroativo a maio.A velha e esperta raposa (o governador) ficou calado e nunca manisfestou-se referente ao PCCs.O SINTEAL iludiu o funcionalismo público, o atraiu para dar falsas esperança a uma coisa quase impossível.O PCC já existe e não recebemos! O quinquênio também existe e não recebemos. Imagine o que ainda não existe

  93. In response to you above. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat. Vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio d gnissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.

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  97. Funnel cakes/elephant ears are my families ALL time FAVORITE carnival/fair food! My cousin made these from a mix for our moms a few years ago as a birthday present but I've been dying for a "real" recipe! Thank you oh so very much!! I am going to make these this weekend as either a celebration or a sympathy party! (Football championship game and marching band regionals this weekend! both intense as it determines district champions and who all goes on to semi-state for band)THANK YOU, Thank You, thank you!!!

  98. I will have to try the Virginia Sweet and Mountain Magic tomats. I also have grown Juliets for years and agree they are a prolific producer in Florida, mine however seemed a little dry and meaty this year though….Tried "Solar Fire" this last season…a complete dud, along with the Cherokee, but I'll give both of them another shot, I could have just got weak plants.

  99. I love reading through your websites. Kudos!

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  100. … Hate to tell ya"ll but Texas is now home to the next President of the US. Yeeee-hawwwwwww!!!!As for Vick, we ALL Know things would have been different he had been white. The ESPN article raises some important issues albeit ones that have already been covered in the media ad nauseum.You know it's hard out here for a Black Quarterback!Hell yeah it would have been different, he never would have got back into the NFL and he would have been completely shunned by whites and not turned into a hero.

  101. Jean-claude 28 mars 2009  13:55 BonjourJe suis abonné a C+ depuis 19 ans et il y a 3 ans j’ai rajouté canal sat .Je souhaite arreter C+ et ne garder que canalsat ,donc sans restitution de materiel puisque c’est le meme . J’avoue avoir un peu peur de problemes .Y a t’il une astuce ? merci de vos conseils

  102. Hi. I’m here because I’ve been luckily enough to be “selected” as one of your 8000+ close personal twitterites. Whatever did I do to deserve this But I’m one of those weird people who actually enjoy reading spam emails, and I do check out lots of seemingly obvious marketing tricks and games. So I decided to check out your site to see what gives. And um….wow!You really know what you’re talking about Willis! I’m bookmarking this very post to show to my boss and will probably spend the rest of this rainy Sunday afternoon poking around this site. Thanks!

  103. Mäkin rakastan avokadoa, mutta ei ole tullut syötyä enää vuosiin, koska se on kaupoissa aina niin älyttömän raakaa (ja raakana tosi pahaa!). Sama ongelma on Suomessa hedelmätiskillä muutenkin – banaanit on aina aivan liian vihreitä, ja esim. mangoja ei voi edes ajatella syövänsä ilman mittavaa kypsyttelyä, maistuu aivan tiskiaineelta, yjägh :[! Mä en jaksa kypsytellä hedelmiä kotona päiväkausia, ja kun noi kaukaa rahdatut hedelmät ei kauhean ekologisiakaan ole, niin olen vaan jättänyt väliin suosiolla…

  104. Ico, tenho para mim que na Mercedes estivessem ou Button ou Barrichelo, o rendimento do carro seria melhor. Me baseio no simples fato de como os carros são, evoluções dos do ano passado, e com a falta de treinos os pilotos não conseguem extrair o máximo dos bólidos, neste começo de temporada, sendo assim pilotos com mais tempo de casa, por conhecer melhor o carro, andariam melhor. O que vc acha?Insisto, quando o Alonso pegar a mão do carro Ferrari vai andar muito mais do que vem andando na frente do Massa. Abraço;Fabrício

  105. this guy isnt smart, the key to getting abs or getting in shape with any muscle group is too be smart! You should only workout for like an hour, this guy did basically an hour and half, your muscles arent learning much past that man. Hope i dont burst your bubble.

  106. "per se" and "as such" cannot be ignored, because the PURPOSE of software must be taken into account.If the purpose is "just a program," (whatever that means, which I am not sure, as I certainly don't waste time programming for no apparent reason) then no. But if the purpose is for something (to accomplish something) that is itself patent worthy, then by all means yes.

  107. I do not know whether it’s just me or if perhaps everybody else encountering issues with your website. It appears as though some of the text on your content are running off the screen. Can someone else please provide feedback and let me know if this is happening to them as well? This might be a issue with my web browser because I’vehad this happen previously. Kudos

  108. Of course Percy, Stardust was faceup on the field, targeted by Fiendish Chain, with the red cicle over it. The oponent activated an effect to destroy one of my monsters, and unexpectedly Stardust activated its effect to avoid destruction by sending it to the graveyard. I used it and returned it to the field in the End Phase. If interested in seeing it let me know

  109. Else – “the current administration has been deporting people at almost double the clip of the previous one.”Doubling or even tripling the previous adminstration’s lame efforts at pretending to enforce our nation’s immigration laws is still a very sorry joke. Obama’s recent order to defer deportation of illegal aliens until they actually have felony convictions should tell us something about his committment to defending our nation’s borders.

  110. I'm REALLY slow. I just noticed I had this reply feature. Awesome! So, your dad was a firefighter, too? Yeah, maybe it's in big city places like NOLA. I will have to ask around. That's interesting! (If you get this reply by e-mail, will you let me know??)

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  115. brihannaShit jeg sidder virkelig og undertrykker det ene latterbrøl efter det andet på denne min næstesidste dag på arbejdet. Jeg vil hjem og give osten et kram han har det godt nok ikke nemt, men han skriver fanme tilgengæld skide godt!!!!!Åh altså denne hval er hjemme fredag og drømmer om at se hvaler inden mandag!

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  117. iuuuuu!!! ce draguta esti!!!! :)))u look like an elf! si ontopic; parul tau e asa frumooos, dar clar usor ondulicios (asa ca al tau mi l-am dorit pe al meu toata viata! ti-as fura placa si ti-as arunca-o pi geam 😛 )al meu e drept-drept in comparatie cu al tau…doar cand ploua sau cand ies din dus la varfuri se cretuleste usor. nu se compara!

  118. I like the Green Mountain Coffee Fair Trade Organic Blend at the local gas station on my way to work. You can get a 16 oz. for $1. Two cups of coffee for $1 in this economy is out of sight! Also, at home, I’ll put some Wegmans French Roast in the pot. It’s less than $2 for a can, I think. If you use one Tablespoon per cup, you get a rich, earthy, flavorful cup.But, I will say the Tim Horton’s I had was good, too.

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  120. I lived there for a bit, too It’s absolutely gorgeous. I would say that if you ever want to travel, Cyprus is a beautiful place to visit. I honestly have to say that I bought the shadow because of the name, but I have no regrets. I’m so in love with it!

  121. Thank you. I was recently asked to present at a program for lawyers that will have two presenters, me and a social media marketing group. I do believe that it sometimes makes sense for lawyers to do both simultaneously, but only so long as the person seeking both services remembers that they have a rather inexact overlap in what might be accomplished. I look forward to this presentation which is scheduled for February.

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  123. I don’t think necessarily an addictive personality, but definitley some mental disorder. I don’t mean like the person is psycho or something. I just think maybe depression or just certain enviornments can effect ones personality.Then of course, there is always the different metabolisms. Some people have slower metabolisms and some are off the charts.

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  125. October 26, 2011 at 8:23 pmI like that–tuning into your inner Hierophant. Good one, Cancermom!And Josi, we all know you have enough Neptune to access the ethereal realm like nobody’s business. You just have to ground every once in a while to keep from floating off. I think that’s what you need an Ox for. One of the things. Reply

  126. nuray diyor ki:merhaba 33 yaşındayım işletme mezunuyum Ankara da ikamet etmekteyim.. bünyenizde memur olarak her hangi bir bölümünüzde çalışmak bu yolda kariyer yapmak kendimi geliştirmek istiyorum.. çok zor bir durumdayım çalıştım okudum ama emeklerimin karşılığını bir türlü alamadım.. bana yardımcı olursanız çok sevinirim. sizlerden olumlu bir cevap bekliyorum..neden cevap vermiyosunuzz nasıl bi site burası umutlarımızla oynamayın artık lütfen (

  127. 私もピアノを教えるのに近隣に許可はいらないと思いますが(遅くとも8時くらいまでには終わるようなので)ただ、お隣の方とすごく仲の良いお付き合いをされていたら気になっていなかったのかもしれませんね。今、音にピリピリされている状態ではありませんか?鳴り始めると「あっ、また始まったよ」と、普通以上にに気になっているのかもしれません。エレキギターは夜間だし非常識ですね。ただ、お隣さんはそこまで音がご迷惑になっていると思っていないのではないでしょうか?ご迷惑になっていると知れば、音に気を遣ってくれるのではと思いますがそれを伝える方法が難しいですね。匿名でポストにお手紙を…というのは、お隣さんも気分が悪いかと思いますしゆひみさんが書かれたことがなんとなく気が付かれてしまうように思います。町内会のトップの方に相談してみてはいかがでしょう?今後のお付き合いも考えて、自分の名前は伏せてもらうようにして。町内会に匿名で手紙を…というのもアリだと思いますが匿名だけに、きちんと行動してくれるかもわかりませんしお隣さんが「ウチはそんなにうるさくしていません」と言われればお隣さんに対する嫌がらせ行為と誤解されてしまうことも考えられますよね。他にその音で迷惑されているようなお家はないのでしょうか?非常識な音が出ていれば、他にもうるさいと思っているお宅がありそうですが普段のお付き合いのお話では、他の方からそのようなお話はありませんか?複数件あれば、苦情も伝えやすいですね。私も以前住んでいたマンションですが、真夜中の騒音に悩んでいました。マンションだったため、ウチ以外の他のお宅からも苦情が出ていて管理会社も音の確認をしてくれ、かなり厳しく注意してもらいましたがおさまりませんでした。ウチも子供の声などでご迷惑をかけているかと思っていたのでウチも迷惑かけていることがあると思いますのでお互い様の部分もありますが不眠で困っているので真夜中だけはやめてくださいと伝えてもダメでした。近隣から苦情が出ても、うるさいとわかっていても、やる人はやるんですよね。文面の「匿名で投書でもしてやろうかと思いますが」からお怒りの気持ちが伝わってきますがまずは、その音は迷惑だ!ということを知らせてあげてからそれでも改善されない時には、非常識だ!と怒りましょう!!ただ、ゆひみさんお子さんの声や(お子さんがお家のまわりで遊んでいる時なども)知らず知らずお隣さんにも迷惑をかけてしまっていることがあるかもしれません。また音にかかわらず、ゆひみさん宅が何かしていることでお隣さんが迷惑に思っていることもあるかもしれませんので誰かに相談して解決する場合でも、匿名のお手紙での解決をされる場合でも言い方にも注意が必要だと思いますよ。

  128. La classification est un mal nécessaire. Multiforme et intemporelle, elle est aussi indispensable que le haut, le bas, l’avant, l’après, le jour, la nuit et tous les autres termes qui nous fixent dans notre condition compétitive et mortelle.

  129. The FBI is Eric Holder… so this just means that a “leverage was known yet unexploited and saved for use at a later date. So why the resignation “immediately AFTER” the election…. Why not last week? Last month? more questions…..What is it about post election and prior to Senate Intelligence hearings that facilitated the timing? Talk about a STENCH ?

  130. Total Bastard, why should ER’s ask the Mexicans for the national status before delivering a baby? The baby’s life is at stake. Also, pretty sure that’s not the one and only reason all hospitals in California are failing. But, I’m sure you did your research before sharing that factoid.Oh, and you might want to see if you can’t somehow go back and edit your statement to read, “get the government off mine an everybody else’s ass all the time about everything except signs, because I’m 100% IN FAVOR OF A SIGN ORDINANCE.”

  131. You could add the prophet Elijah, taken up in a whirlwind. Many people mistakenly think he rode a fiery chariot to heaven, since riding in them is what chariots are for, although the text is clear that the chariot merely separated Elijah from his protege Elisha.2 Kings 2: 11: And it came to pass, as they [Elijah and Elisha] still went on, and talked, that, behold, there appeared a chariot of fire, and horses of fire, and parted them both asunder; and Elijah went up by a whirlwind into heaven.

  132. 4. Boost your intelligence. Google Analytics has a new feature called Intelligence (rolling out in Beta and not available to all markets yet). Intelligence has a feature that sends you an alert when there’s a sudden statistically significant increase or dropoff in traffic, conversion or any metric you’re tracking. Avinash Kaushik has a nice explanation of Google Analytics' new intelligent features.

  133. Graag bied ik miij aan als vcvrijwilligster tijdens parade 2012. Mijn vaardigheden liggen op het gebied van begeleding van artiesten, verkoop en voorlichting ( infobalie dus) en daarnaast bediening. Ik spreek duits, engels en kan mij in het frans goed verstaanbaar maken.

  134. Maybe I’m guilty of this and maybe I’m not. I write about my life and sometimes I even throw in a thing or two that I’ve learned from an experience. I don’t think that’s wrong, but hey that’s why everyone has a choice on what they read and what they write.

  135. Jammy > C’est à dire que les libraires invitent les gens qui ont une actualité. Cela fait bien longtemps que l’on ne m’a pas proposé une dédicace. (Il est possible qu’un recueil du blog paraisse en fin d’année)eL’ > On ne sait pas. Ce n’est pas « Jeanne-Mauricette », il y a un flou là-dessus. Je me renseigne.

  136. Stu, on hummus, just make your own, it’s almost always better, especially if you don’t use canned beans. pop the ingredients in the food processor and your done, also the oil and tahini you buy is generally of a higher quality than what is used in the containers.

  137. Marika,Köszönöm :)) Akkor Neked is ideje halas ételt készítened :))Piroska,Most így sikerült a tálalás, de igazad van, nem étterembe szántam :)) Persze gyere csak kóstolni :))

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