CAVEAT: THIS BLOG CONTAINS (albeit often very childish) ADULT-CONTENT.
REQUISITE BLOG DISCLAIMER: Entries at this blog are akin to good old-fashioned campfire chats; I offer no opinion on what you should or should not purchase, or what you should be using or doing. What does or does not work for me could be long country-miles away from your tastes and your needs. Any products, places, and / or whatnots that I review for this blog are purchased at retail price by me. I do not accept payment, gifts, discounts, freebies, products on loan, demon alcohol, drugs, plea-bargains, probation, parole, Presidential Pardons, or any flavor of sexual favors for doing any review.
EU TRACKING COOKIE NOTICE: Our Lord and Savior, The Almighty Gooooogley, bakes those scrumptious cookies and whenever The Almighty Gooooogley cooks something up it means everything related is for sale; it is possible that some of you good souls could be sold-out. The author of this blog sincerely appreciates the many visitors from inside and outside of the USA and feels obligated to mention that YOUR RESPECTIVE GOVERNMENTS (and / or employers) MAY KNOW THAT YOU WERE HERE and they may not approve of you perusing the blog entries regarding GUNS ... KNIVES ... SELF-DEFENSE ... CORRUPT POLITICIANS ... SELF-SERVING ROGUE GOVERNMENT AGENCIES ... GOVERNMENT SPYING ON CITIZENS ... Human Rights ... Freedom of Speech ... Life ... Liberty ... Pursuit of Happiness ... War isn't Peace ... Slavery isn't Freedom ... Ignorance is Weakness ... and all that other "subversive" stuff that worries the living hell out of the dictatorial elite.
Vive la liberté! Vive all y'all!
Ante omnia armari
To each of you ... Thanks for stopping by.
Saturday, June 2, 2007
Archive from 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