Owner: Cash Money Life URL:http://cashmoneylife.com Join Date: Sat, 08 Sep 2007 15:05:37 -0500 Rating:0 Site Description: Cash Money Life is a personal finance blog with information for everyone, and it also has a special military money section to help out our troops in uniform. I have also written about selecting MBA programs. Site statistics:Click here
Weekly Roundup - Popcorn Festival Edition 2007-09-08 09:21:38 The annual Popcorn Festival
rolls into my town this weekend! I’ve never been to one before, but it sounds like a lot of fun. There is a car show, live music, a 5k fun run (running is fun?) carnival food, and probably popcorn. Best of all, it’s free! Ok, except for the popcorn.
Here are my favorite articles from around the personal finance blogosphere this week. I hope you enjoy them!
Money, Matter, and More Musings: Interest Rates for Dummies. Golbguru explains the reasons the Fed raises and lowers rates using graphical examples. This is a must read!
My Money Blog: PayPal Money Market Account Review: Is it Safe? Jonathan investigates the pros and cons of leaving your money in your PayPal account vs. placing it in another high interest account. Definitely something to keep in mind if you often use PayPal.
Get Rich Slowly: The Frugal Collector: 10 Ways to Curb the Habit. I used to collect everything. Rocks, baseball cards, action figures, guitars… You name it, I pr Read more:Edition
, Weekly
How Much Will the Final Barry Bonds Home Run Ball Be Worth? 2007-09-07 06:13:37 Barry Bonds
’ record breaking home run has been one of the biggest news items in the sports world this summer, at least in America. The controversy surrounding Bonds and the home run record will probably live on longer than he will. And that’s fine. Records are made to be broken, and they are also made to be debated.
The ball Barry Bonds hit for his record breaking 756th home run was recently put up for auction at Sotheby’s, and the auction will end September 14th. I was not able to get a current price, as one must register with Sotheby’s to do so. However, the selling price is expected to reach at least $500,000.
While this ball is certainly valuable from an historic perspective, it is only the record breaking ball, and will not be the final record. Each ball that Barry Bond shits over the fence for a home run becomes the record home run ball until he hits another. With each additional home run, Bonds is literally making history.
Wednesday night, Barry Bonds hit Read more:Final
, Worth
, Barry
DoD to Offer Full Replacement Value for Personal Property 2007-09-07 05:35:19 The Department of Defense has announced that they will begin full replacement value for items lost, damaged, or stolen during PCS moves. The program will be phased in starting October 1, 2007, and will eventually cover all personal goods shipments to and from international destinations, within the continental US, and non-temporary storage.
This is a great change. The last time the military paid to move my goods, I had several hundred dollars worth of my belongings either damaged or stolen. Of course this wasn’t the military’s fault as they use commercial movers. But the claims process was a hassle.
The new process requires the military member to file a claim directly with the shipping provider. Previously, military members made a claim with their respective service’s claim office. This is a great improvement over the previous payment system, which involved multiple forms and used a complicated system of depreciation to determine replacement values.
It’s good to Read more:Value
, Personal
, Offer
Americans Don’t Take Enough Vacation Time 2007-09-06 05:51:38 Yesterday I wrote, Are You Taking EnoughVacation
? My answer to that was “no, I am not!” Well, thankfully, my wife and I have an upcoming two week vacation, and we are very excited about it.
While I admit I haven’t been taking enough time awayfrom work, I don’t think I am alone in this. Matt, the author of the personal finance blog To One Million and Beyond, made the comment on my earlier post that people in North America don’t take nearly enough time off, and that many Europeans receive more vacation days from their employers and generally take longer vacations.
I agree. I lived in England for around 2 years, and I have traveled throughout much of Europe. There are actually times when entire towns virtually shut down because most people are on vacation! In fact, over 50% of Italians take a 2-4 week vacation during August! In my opinion, they are doing something right over in Italy. Taking time off is very important for the body, mind, and soul.
A month Read more:Americans
, Vacation Time
Are You Taking Enough Vacation? 2007-09-05 06:28:38 The 3-day weekend we had for Labor Day was wonderful! My wife and I had a relaxing weekend, which was just what we needed. We did some hiking, cleaned around the house, went shopping for our upcoming vacation, and did a lot of relaxing. I even got to watch a ballgame on TV. It was very refreshing. Today, I tried to remember the last time I had a day off. I was the 4th of July. Before that it was… whatever the previous federal holiday was. Probably Memorial Day.
You see, shortly after I started my new job last summer, my wife and I got married. I had to go a few days in the hole on my vacation time and I have been saving my vacation days since then. Because of the timing of our marriage, we couldn’t take any time off together, so this will be our first vacation as a married couple. The only days I have taken off since last fall were around Thanksgiving, Christmas, and the New Year. Other than that, I have only taken off federal holidays. I need a break!
Thankfully, my wife Read more:Vacation
, Taking
, Enough
Carnival of Personal Finance #116 is up at Advanced Personal Finance 2007-09-04 18:47:31 Hey everyone, the Carnival
of Personal
Finance #116, NSA Edition is up at Advance Personal Finance. This week’s theme involves the spy world of cloaks and daggers. My recent post, MBA Options Part 2: Program Types, In-Residence, was included in this week’s Carnival.
There were many other great posts this week. Some of my favorites are:
Queer Cents: Job Hunting and Identity Theft.
Saving Advice: Is it Cheaper to be a Nudist?
The Financial Blogger: One of the Best Things I ever Did: Quitting My Job!
Clever Dude: Examine Your Motives Series: Introduction. But you can’t just stop at this article… there are bound to be a few more!
Thanks for hosting KMC, and I hope everyone enjoys this week’s Carnival!
How Much Should You Tip on a Cruise Ship? 2007-09-28 07:30:31 My wife and I are currently on our first cruise. Cruise
s can be very expensive, and one of the things many people fail to consider is how much they will spend for tipping the crew, wait staff, bartenders, and everyone else who makes your trip as enjoyable as they can.
Tipping is different on each cruise line, so the best thing to do is check with your cruise line and determine how tips are handled, or if there are suggested rates for tips.
Here are a few things to keep in mind regarding tipping on cruise lines:
Automatically added to onboard accounts: Some cruise lines automatically add a predetermined amount to your onboard account. The rates are usually determined on a per-person, per-day basis and are later split among the staff by the cruise line. Some cruise lines have different rates for adults and children, and some charge the same rate for everyone.
Many cruise lines also give passengers the option of increasing or decreasing the amount they tip to either the entire staff or to
Hidden Costs of Taking a Cruise 2007-09-27 06:59:52 After deciding your cruise destination and agreeing on the price, the dollar amount you see is most likely not the total cost of your vacation. You also have to take note of the “fine print,” and the “hidden” costs of cruising. These hidden costs aren’t always necessarily hidden, but they are not always included in the listed price either.
Not included in the cost of your cruise are items such as:
Alcohol: Unless you are taking an all-inclusive, drinks included cruise, you will likely have to shell out a lot of money for alcoholic beverages. Some people advocate bringing your own alcohol on board, but not all cruise lines allow this. Some people advocate sneaking alcohol on board, but that is up to you.
Soft drinks: Most cruises only include water, coffee, and tea with meals. Some also include juice, but many do not include soft drinks. If you want a soft drink with every meal, this can add up quickly!
Bottled water: Again, most only serve tap water with meals. If you want b Read more:Cruise
, Hidden
, Costs
, Taking
7 Critical Steps For Simplifying Your Finances 2007-09-26 07:07:23 Hello everyone, I am currently away on vacation. This is a guest post from Brip Blap, “a little blog about life, family, career, personal finance, productivity, health, and the environment… for starters.” Brip Brap has lead an interesting life, and if you like this post, consider subscribing to his feed. He writes great articles on a regular basis.
Keeping track of your personal finances can be tough. The average cardholding American household has just over 19 bankcards: 8 bank credit cards, 8 retail cards and 3 debit cards. In 2005, the average household was approaching $10,000 in credit card debt. Two-thirds of American households own homes today, up from 44% in 1940, and the vast majority of those homes are bought using mortgage debt. In 1980, 80% of workers were employed in a workplace with a pension plan; today fewer than 30% are, and many are instead offered retirement plans such as 401(k)s, 403(b)s and Thrift Savings Plans (TSPs). Since 1982, the perce
Inflation is Inconvenient 2007-09-25 07:26:34 I know, inflation is a part of life. Like death and taxes, inflation is certain, and it is here to stay. But have you ever noticed how inconvenient inflation is sometimes? No, I’m not talking about the rising cost of automobiles, houses, or gasoline. I’m talking about soda. That’s right, that sweet caffeinated beverage that gets me through the day.
First, a little history lesson. According to many economists, inflation in the US substantially increased after President Nixon removed the gold standard as the basis on monetary value for the US dollar. You see, in 1971, the US needed more money to pay for the Vietnam War, and the best way to do that was to print it. And print it we did. So much in fact, that it began to take substantially more dollars to buy the same amount of goods as it previously did. However, inflation has been fairly well controlled here in the US compared to many other places. There have been instances in other countries when it would take a wheelba Read more:Inflation
MBA Options Part 6: Return on Investment 2007-09-24 07:25:23 If you read Part 5 of this series, you have an idea of how much an MBA program can cost. Now, we should examine if an MBA is worth the cost by determining what kind of return on investment (ROI) will you get for your troubles.To determine your ROI, we need to examine a few things:
Cost of MBA program: Once you have decided on which program you wish to attend, you will know roughly how much it will cost.
Opportunity cost: This is the forgone salary while you attend your MBA program.
Post MBA salary: Of course, this is an unknown for you, but thankfully most MBA programs keep track of this information for past students. You may be able to make a reasonable estimate.
Example ROI:
As an example, let us assume you currently earn $50,000 per year, and the MBA program you have been accepted to costs $20,000 per year. Assuming this is a 2 year course, you will spend $40,000 on tuition, and give up $100,000 in forgone salary. However, the total cost of your program is not just $40,000, it is Read more:Options
, Return
Purchasing Your Cruise Tickets 2007-09-23 07:30:20 OK, you’ve decided to go with a cruise for your next vacation. Now what? There are many things to consider, such as destination, trip duration, when you will travel, which cruise line, which cabin, which meal time, and many other details. All of these considerations play an important role in the cost of your cruise.
If you are new to the world of cruising, or you simply don’t have the time or desire to do the research involved in booking a cruise, you may want to use a travel agent. A good travel agent is one who will help you find the best cruise at the best prices for you and answer all your questions. The best way to find a good travel agent is to ask family, friends, coworkers, and other cruise goers for recommendations. A quick phone interview can be another way to learn if a particular travel agent will be helpful for you. Try to find an agent who specializes in cruises.
Another option in purchasing your cruise vacation is to do it yourself. Finding bargain prices will requir Read more:Cruise
, Purchasing
, Tickets
I’m Back From Vacation! 2007-10-02 20:34:00 My wife and I just returned from our first cruise, and I must say, we had a wonderful vacation. Our trip was expensive, but it was well worth it. We were able to see a lot of places in one trip, and we didn’t have to deal with the hassle of procuring our own transportation, or worry about too many details. I haven’t sat down to compute the final costs of the trip, but I know it will be high!
In the coming days I will write a few articles about some of my experiences and what I learned during my vacation. As for now, I’m getting caught up with work and trying to stay one step ahead of jet lag… So, I’m off to bed! Read more:Vacation
MBA Options Part 7: Other Deciding Factors for Choosing Your Program 2007-10-01 07:00:19 We have covered a lot of information about MBA programs over the course of this series. Ultimately, it all comes down to choosing which MBA program is the best program for each individual. Just like where you work, live, or what kind of car you drive, choosing an MBA program is a very personal decision.
We have examined whether or not you need an MBA, Program
Types, MBA program rankings, cost, and ROI. Now I would like to examine a few other important factors to help decide which program is best. In no particular order:
Program Reputation: Your MBA will stay with you for the rest of your life. So will its reputation. When considering the reputation, you may need to consider how well your prospective school is looked upon by international, national, regional, or local employers.
Program Specialization: Sometimes the rank of the school is not s important as who well the school specializes in certain fields. Common specializations include accounting, entrepreneurship, IT, finance, market Read more:Options
, Deciding
Military and Debt 2007-09-30 08:14:33 Hello everyone, I am currently away on vacation. This is a guest post from Ana, the author of the blog Debt-Free Revolution. Ana is “an Army wife, an Iraq veteran, a college student, a mom, family CFO, and a “Pizza Delivery Expert” a.k.a. a Domino’s pizza delivery driver to get her family out of the chain of debt!” If you like this post, consider subscribing to her feed. She writes great articles on a regular basis.
Anyone who is serving in the military needs to be aware of how debt can negatively affect their military career. Most people by now should understand that the military will pull a credit report on anyone who is applying for a security clearance, and that the security clearance can be denied if the person is carrying too high of a debt load. If your MOS (job) depends on obtaining that clearance and it is denied, you could be involuntarily reclassed into a different job that doesn’t require a clearance… hope you like cooking if that is your Read more:Military
Military Veterans Educational Benefits 2007-09-29 07:30:24 Military veterans have a plethora of educational benefits available to them. Often times, you just need to know where to look to find the information (and money!) you need. Here are some of the options available to you:
Montgomery GI Bill (MGIB): The 2008 GI Bill rates go into effect on October 1, 2007. The new rate is $1,101 per month, which makes veterans eligible to receive up to a total of $39,636. That’s not bad for buying into the GI Bill for only $1200!
The new rates are an increase from last year’s rate of $1,075. While the new rates do not reflect a substantial increase from last year’s rates, every raise is helpful to college students receiving the GI Bill.
Earn up to an additional $150/month on top of your GI Bill payment: There is another way to receive a larger GI Bill benefit. Eligible active-duty service members can pay into the GI Bill Buy-Up program (also known as the GI Bill Kicker Program), which will provide the service member up to an additional $ Read more:Military
, Veterans
, Educational
, Benefits
Quality of Life is More Important Than Dollars 2007-10-14 12:44:45 My wife and I recently took a voluntary $20,000 per year reduction in income - after taxes. Before you question why we voluntarily chose to do this, you have to understand the full situation. My wife was in the US military and her job required her to work very long hours and irregular schedules. Weekends and holidays did not exist in her line of work. Planning for events, holidays, vacations, and a social life was difficult because her work schedule would usually only be released 4-6 weeks in advance. Add to that the possibility of deploying for 6 months at a stretch and it quickly became evident that at this stage in our lives, our quality of life was more important to us than earning more money.
I know a lot of people can’t afford to take a $20,000 a year pay cut, and it’s not easy. Fortunately, we started planning for this drop in income well over a year ago and we were prepared for it.
To prepare ourselves for this drastic change in income, my wife and I paid down all o Read more:Quality
Weekly Roundup - Personal Finance Upkeep Edition 2007-10-13 12:03:17 This weekend I have a lot of fun activities scheduled - paying bills and updating Quicken for well over a month’s worth of transactions…. There goes Saturday. Thankfully No Credit Needed just wrote a nice article about Taking a Few Hours to Organize Financial Documents. I have a similar system in place, but why rewrite what he just wrote?
Beyond that article, there are some great articles to share this week:
The Serious Articles:
Yesterday I Resigned. Will I Ever “Work” Again? Lazy Man was respectfully asked to resign from his company when they decided things weren’t working out. I felt bad when I was reading this - like one of my friends just called me up and told me the same thing. Luckily, Lazy Man has some high tech skills that are always in demand. He also has some nice alternative income streams, which should help out in the mean time. Still, I know this came as a blow to him, and I hope he finds what he is looking for.
Can Losing Your Job Mean Fin Read more:Weekly
, Personal
, Edition
The American Retirement Account 2007-10-12 06:51:22 Do American
s need a new retirement plan backed by the US government? It has been well documented that Social Security funds will not last long enough to support everyone who has paid into it. Retirement and security is on a lot of people’s minds - especially with next year’s presidential elections upcoming. (Note: This is not a political blog, and this is not a political article. This is an article about a retirement plan being proposed by one of the early candidates.)
Presidential hopeful Senator Hillary Clinton proposed the US government begin a new program designed to help Americans prepare for retirement. The American Retirement Account
is her proposal to give middle class Americans a government subsidized, 401(k) style retirement account.
This plan would effectively give each American access to a portable 401(k) plan in which the government would offer matching tax cuts between $500-1,000, depending on income. This proposal is designed to help middle and lower class Am
Which Type of Credit Card User Are You? 2007-10-11 06:16:08 Yesterday I wrote about the 5 types of credit card users from the credit card company perspective. At the end of my article, I stated that I am a Max Payer. I only charge items to my credit card that I have the ability to pay for immediately. If I don’t already have the money to pay for my purchase, I won’t charge it. I prefer using credit cards instead of cash because it is safer, and I get cash back rewards. There are many other benefits of using credit cards - as long as they are used appropriately.
Today I ask my readers, which of the 5 types of credit card users are you?
Max Payers - pay in full on-time, every time: Congratulations! You have the good fortune of being able to use credit cards as a tool, and possibly even profit from cash back, rewards points, miles, or other incentives . Keep up the good work!
Revolvers - always carry debt: Being in this group is hazardous for your financial health! Only making minimum payments will stretch your debt out for years, if Read more:Credit Card
5 Types of Credit Card Users - Credit Card Company Perspective 2007-10-10 06:30:47 The topic of credit cards is one that elicits varied responses from individuals based on their personal experiences with them. In my opinion, there are many good things about credit cards. Others, however, feel the opposite. Like them or not, credit cards are a part of mainstream society and they are here to stay.
Most people only look at credit cards from the consumer’s perspective, and not from the perspective of the credit card company. When you look at credit card users from another perspective, things change and you can learn about people’s habits, hopefully, including your own. And understanding your credit card habits is an important thing to do.
In my opinion, there are 5 main types of Credit Card
users:
Max Payers - pay in full on-time, every time. While credit card companies don’t make as much money from Max Payers as they do from other customers, they are still profitable customers to have around. Credit card companies charge stores around 3% for each tran Read more:Perspective
Free 4 GB iPod Nano and Free mp3s 2007-10-09 20:54:08 I got my free 4 GB iPod
Nano from Key Bank yesterday. When I signed up, the Key Bank account specialist told me it might be just before Christmas by the time I received my iPod. That sounded like a long time, and thankfully I received it much more quickly. So, now I am the proud owner of a brand new iPod!
In other news, I have also just won 180 free mp3s to listen to on my iPod. I get 15 mp3s per month over 12 months. Not bad! How did I win them you ask? Great question. I signed up for an on-line contest at the blog, Run to Win. Thanks, Blaine!
Now that I’m set for music, I have a confession. I don’t really need an iPod. My wife has one, and if I really need one I could use hers. So now I need to decide what to do with my iPod. Christmas is coming up so I could give it to a family member, and there is always eBay… or, I could get creative and give it away somehow. Maybe if enough people convince me to give it away I might just do that…
Photo Credit: Nathani
Vacation Budgeting Hack - Don’t Forget About Tips! 2007-10-19 06:22:09 My wife and I recently returned from our first cruise. I must say, our trip was expensive, but well worth it! I haven’t sat down to compute the final bill for our vacation, but I know it is high. In fact, for just under 2 weeks, we spent well over $250 on tips alone!
Yes, $250 is a lot of money, but you have to realize that cruise line employees make most of their money in the form of tips. The best thing you can do is recognize the associated cost and budget for it! Here is more information about tipping cruise line workers.
My wife and I traveled on Celebrity Cruise Line, so I included an example of their recommended tipping schedule, which we followed.
Celebrity Cruise line recommended tips (These tips are per person, per day):
Waiter - $3.50
Assistant Waiter - $2.00
Assistant Maitre D’ - $0.75
Stateroom Attendant - $3.50
Assistant Chief Housekeeper - $.050
Total - $10.25 (per person, per day)
For a 10 day cruise, that equals $205 for 2 people. The total my wife and I Read more:Vacation
, Budgeting
My Financial Success Story - I Spend Less Than I Earn 2007-10-18 05:22:35 My financial success story began when I was young. I don’t have an exact date or age; all I remember was that I was fascinated with big numbers. This fascination with big numbers taught me something very important early in my life. I learned that if I didn’t spend all my money, the number attached to my savings would be bigger. And I liked that! To this day, spending less than I earn has been the biggest contributor to my financial success (so far anyway!).
Here is my financial story and how spending within my means helped me grow financially:
Learning to use money. My basic financial education began when I was young. My parents gave my brothers and I a small allowance for doing our chores and sometimes for good grades on our report cards. My allowance gave me choices on how to spend my money. I could buy things for myself, buy gifts, pay Boy Scouts dues, or save. Even though my allowance was small, I often found ways to do all of these. As I mentioned, I liked big numbe Read more:Financial
, Success
, Financial Success
How to Deal With a Drastic Decrease in Income 2007-10-17 06:01:21 Dealing with a drastic reduction of income can be difficult. I know. My wife recently changed jobs, and in doing so we took a reduction in pay of almost $20,000 per year after taxes. Yes, that is a lot of money, but thankfully we planned this over a year in advance and were prepared for it.
Unfortunately, most people can’t afford to take a large pay cut, especially when it is unexpected. That is why I am writing this article - to help others if they fall into a similar situation, whether it is planned or not.
Here are the steps I recommend to those with a drastic decrease in income:
Don’t Panic - analyze your new financial situation: Panicking will not solve the problem. Instead, ask yourself how much money are you now bringing in? Did any new expenses arise, such as loss of employer provided housing, food, or health care? Are you saving money now with lower commuting, eating out, or day care costs?
Update your budget based on your new situation: If your new income still co Read more:Drastic
, Income
Carnival of Money Stories and Festival of Frugality 2007-10-16 20:38:22 The Carnival
of MoneyStories
is up at Free Money Finance. This Carnival features money stories from personal finance bloggers. The carnival has quite a few great articles. Hopefully you can learn a few things from them.
Here are some of the articles that stood out:
Wake Up Later - Investment Income: Figure it Out. Samuel dislikes the lack of financial education in America’s schools. I have to agree.
My Wealth Builder - My Wealth Paradigm. Appearances aren’t everything when it comes to wealth. The key is to spend less than you earn.
Moolanomy - My Best and Worst Financial Decisions. I always love learning from others. Moolanomy shares some great experiences.
Thanks for hosting the carnival FMF!
In related news, the Festival
of Frugality
#96 has been posted to Fire Finance! My recent article, How to Vacation Without Breaking the Bank, was included. Along with my article, there were many other great money saving tips in this week’s edition.
The articles that particu
Live on Less Income - Give Yourself a Voluntary Paycut 2007-10-16 06:04:01 My wife and I just took a large salary decrease - to the tune of about $20,000 per year after taxes. We did this voluntarily, because for us, our quality of life was more important than the money we were earning. We were able to afford this big pay cut because a year ago we gave ourselves a “voluntary pay cut.” We knew we would be earning less money within the year and we committed ourselves to spending much less than we were earning. Doing this allowed us to focus our “extra” money toward preparing for this salary decrease.
Personal finance blogger No Credit Needed recently asked his readers:
What would happen if your boss came into your office tomorrow morning, and told you that your salary had been reduced by 15%? Furthermore, what if he told you that a new law had been passed and you couldn’t change jobs for one full year - and you couldn’t borrow any money, for any reason?
What would you do?
This was very similar to the situation we faced, only our bos Read more:Income
, Yourself
, Voluntary
Carnival, Carnival!!! 2007-10-15 21:07:12 Two great carnivals are up today - the Carnival
of Personal Finance #122, and the Carnival of Debt Reduction #109.
The Carnival of Personal Finance was hosted at Mighty Bargain Hunter. MBH did a great job organizing this week’s carnival in a Dr. Suess style rhyme. It ’s a lot of fun to read. In addition to including my post - The Playground Economy, some other posts stood out to me including:
How To Best Handle Old Credit Card Accounts - Consumerism Commentary.
How I Made Millions Off A $5,000 Investment - Free Money Finance.
How to Become a Billionaire - Brip Blap.
7 Personal Finance Lessons From The Poker Table - Blueprint for Financial Prosperity.
The Carnival of Debt reduction was held at Debt-Free Revolution. My recent article, Which Type of Credit Card User Are You?, was included. I also recommend reading these standout articles:
Have YOU Changed Your Behavior? - Single Guy Money.
Does Debt Free Mean Mortgage Free? - Plonkee Money.
Student Debt, Entitlement Attit
Applying For An MBA - Series Introduction 2007-10-23 05:30:51 So you’ve selected your MBA program and now you ask yourself, “How do I apply to an MBA school?” Great question.
Applying for an MBA program can be a daunting process - but it doesn’t have to be if you are organized. This guide should help you understand a little more about the application process:
Application: This is your personal information which usually includes your biographical data, scholastic background, and work history. There is usually room to include other pertinent information including academic and professional recognition, professional certifications, community service, clubs or organizations you belong to, or other information that may give the Admissions Council insight into your personality and professional prospects.
Resume: Your resume gives the Admissions Council a peak at your professional history including growth, tasks and responsibilities, and career path. They want to see that you have progressed and have a clear career path. Don&rsqu Read more:Introduction
Credit Cards and Guns 2007-10-22 05:30:45 Credit cards and guns - what do the two of them have in common? A lot more than people think. Both are powerful and useful tools that can provide a valuable service. And both can be abused with devastating results.
Credit cards and guns both have positive and negative aspects about them, but ultimately, the outcome of their use has one striking similarity - it is reliant upon the user’s actions.
Why Credit Cards
and Guns are good:
Guns: Guns are used by police officers to protect society and also useful for hunting, sport, protection, military uses, collecting, etc. Did you know target shooting is an Olympic sport? There are many other positive aspects to guns and gun ownership. I’m sure any card carrying member of the NRA can give a dozen more useful benefits at will.
Credit Cards
: There are many benefits to using credit cards: building credit, fraud/theft protection, rewards, convenience, car rentals, and many more. Here are 10 reasons why credit cards are good. Personal
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