Every time you watch an ad, that means somebody is trying to get into your pocket.
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Every time you watch an ad, that means somebody is trying to get into your pocket.
This.
Never been a scofflaw or neer-do-well yet, but its hard to stay law abiding when I am vilified for my legal choices.
The Dems and media broke the social contract, not the conservatives.
All my other boxes are used up.
If Immana be an out law, Immana do a good job of it. until then Immans stay law abiding.
This.
Never been a scofflaw or neer-do-well yet, but its hard to stay law abiding when I am vilified for my legal choices.
The Dems and media broke the social contract, not the conservatives.
All my other boxes are used up.
If Immana be an out law, Immana do a good job of it. until then Immans stay law abiding.
Being debt free is no doubt a plus, but there are good ways to use debt. I have a Fidelity Visa Credit card and last year I got back $800 in rewards. These were put into stocks and mutual funds which are up by an average of 50% thus far. So that $800 is now $1200 just after the first year.
I pay the credit card bill each month so there is no credit card debt, and have no auto loan nor any school loans. And the house is nearly paid off. But paying cash and forgoing truly free money is not the smartest thing to do IMO. Use the system where you can when it will benefit you. The Fidelity Visa card pays back 2% on every purchase you make.
I just can't keep up with which credit card gives what. One wants to give air miles, one wants to give cruise miles, another wants to give some cash back, another wants to give store credit. If I spent $1M/year I'd play the game but I don't so I just use two cards to keep things to a minimum.
If you have trouble keeping track of stuff like that, I can totally understand not playing the game.
So far though over the last couple years i've gotten over $3000 in cash back or savings by playing the CC rewards game.
My currently active one: spend $500 in 3 months get $200 back. I bought $745+ in car parts on it already. Soon as that bill comes in the bonus is getting applied to it, the bill paid off, and in a month or 2 I'll close the card.
I have one that I use for 98% of purchases and then one that I will sign up for for the bonuses as I have nearly perfect credit. Just got one paying $200 in rewards for spending $1000 with 0% financing for a year. Just got the $200 in free rewards after a month and will put a large purchase on it for the free financing. Then I am back to my main 2% back credit card until next year when I repeat the process.
I believe the day is coming when these freebies will come to an end. Until then, I plan on getting what I can.
I was ignorant to the fact that they were even a thing until I toured Bangkok in 2002 and found an expat community there by accident. Subsequently, I have discovered that they exist in other places as well. Mexico, Costa Rica are two that I know of and I have heard of them in Argentina, though I haven't looked into it myself. One outside of Tijuana had about a 10' stone wall all the way around it. I don't think I'd go to Mexico though, I couldn't feel 'safe' there.