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The Preacherman said, "My advice to you is to get yourself a gun and learn how to shoot." The Gunslinger said, "My advice to you is to get yourself a Bible and learn how to pray."
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Saturday, June 2, 2007

Archive from June 2, 2007

Entry for June 2, 2007

Any company or bank that issues you a credit card is not your friend. Read that sentence again then tape it on your bathroom mirror. Banks and credit card companies moan and cry about the risks they take, and about how many deadbeats there are in their business world. It is all trash-talk. Banks and credit card companies LOVE people who cannot manage their money. They LOVE when you are late with a payment so they can charge you a late-fee that is pure profit. The profits they make on late fees are obscene. Further still, a credit card with a “low rate” is seldom under 9% unless it is a “teaser rate.” Therefore, you rack up a huge credit card balance at 9%, which is bad enough. Pay it late once or twice and suddenly you can be 18%, 21%, or even as high as 29.99%. These obscene rates are what your government allows these companies to charge you. If a crime syndicate loan shark charged these rates, the politicians would call for congressional action. Credit cards can be your friends, but the banks and credit card companies that issue the cards never will be. They can legally raise your rates into the “penalty zone” if you are paying ANY of your bills late, not just your credit card bill. The politicians have failed you.

If you are thinking of investing for your future, if you have any dreams of building a nest egg for retirement, PAY OFF YOUR CREDIT CARD BALANCES and promise yourself NEVER to carry a monthly balance ever again. It is the biggest step you can take to achieve financial independence. The only friend you have is yourself. Give yourself a hand.


Thanks for listening.


James A. Zachary Jr

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