I pay off credit debt monthly, but I don’t limit myself to one card because part of your credit score is based on the percentage of credit utilization. Your utilization rate will be lower (and credit score higher) if you have multiple credit card accounts.
My BIL was a victim of ID theft… They took control of his phone, and resetting all his password's was impossible since he no longer had a phone to use as the second factor. It took months to straighten out.
The widely cast net is catching students that require remedial classes in math, English and reading. Is it any surprise that today’s students are unable to think critically?
My change gets put in a jar and deposited at the bank. It then goes into the vacation fund (recycle rebates used to go there too until I moved to a no deposit state). A coin stash of a couple hundred dollars wasn’t unusual (silver only… Pennies were only a few dollars). I now do more credit and debit, so less change… vacation is looking further in the future.
Comments
I pay off credit debt monthly, but I don’t limit myself to one card because part of your credit score is based on the percentage of credit utilization. Your utilization rate will be lower (and credit score higher) if you have multiple credit card accounts.
Post: Credit Card Debt.
Link to comment from July 28, 2026
My BIL was a victim of ID theft… They took control of his phone, and resetting all his password's was impossible since he no longer had a phone to use as the second factor. It took months to straighten out.
Post: Can we be completely safe?
Link to comment from July 28, 2026
The widely cast net is catching students that require remedial classes in math, English and reading. Is it any surprise that today’s students are unable to think critically?
Post: Degrees of Doubt: When Higher Education Misses the Mark
Link to comment from July 28, 2026
https://nationwidefinancial.com/media/pdf/NFM-14979AO.pdf
Post: A Rule of Thumb Is Not a Plan
Link to comment from March 3, 2026
RMD rates aren’t limited to just 70 years and older. Perhaps using those rates would work?
Post: A Rule of Thumb Is Not a Plan
Link to comment from March 3, 2026
My change gets put in a jar and deposited at the bank. It then goes into the vacation fund (recycle rebates used to go there too until I moved to a no deposit state). A coin stash of a couple hundred dollars wasn’t unusual (silver only… Pennies were only a few dollars). I now do more credit and debit, so less change… vacation is looking further in the future.
Post: Loose Change
Link to comment from March 3, 2026