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Feign · Posted: Thu Jan 12, 2006 10:25 pm Post subject: Good day today

So I actually put in for a Discover card on Monday night. Got one of those "if you transfer your balance from an existing card to ours and are approved, it's 0% APR for every transfer for life."

Awesome.

I have one account that has been closed for...about three years. That means I've only been chipping away at the balance because I've never had enough free cash to get rid of the thing all together. It was just a touch above $1,600, so I thought, "What the fuck, might as well see if I can get that thing off of my credit report." I also have another credit card and a few other things that the 0% APR would come in handy for, let alone the Cashback Bonus stuff that I could definitely see nothing but a huge benefit for, even if everything were only 1%. The current 5% promotion is for "Health" items like drug stores and pharmacies, dentist stuff, you know, "health" stuff.

Anyway, I had a thick and mysterious envelope in the mail today. Took my sweet time getting to it too.

Opened it and holy shit...

Not only is my closed account in the process of being transferred over, but I'll still have an absolute metric fuckload of credit left. I see a light at the end of the tunnel! I could go buy a car with this kind of credit! I've never had this much money available to me at one time.

The pitfall is that I all know I could positively ruin myself with this...self control...been in that spot before.
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Champagne ambition on a beer budget.

They probly aren't that worried about selling the PS2 kits in particular, and know that unless there is footage of them grinding up babies for use in the PS3 they'll always sell a hojillion of whatever the fuck they make. - Hitscan on the PS3

(on smoking...) Two later in the night because I can't seem to take a shit without needing the nicotine to relax my ass muscles or some such deal. So took a shit too. - Oscarwilde on smoking

Yea and he said unto the masses "Jet behaveth as ass" and so it was. - Hitscan on Exchange

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kingpinmc · Posted: Fri Jan 13, 2006 6:25 am Post subject:

What ever you do stay away from the silver card with the silver magnetic strip. It sucks monkey balls harder than Thundar. Half the dang time ppl have to key the numbers in.
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"Then I saw little Tiffany. I'm thinkin', you know, eight year old white girl, middle of the ghetto, bunch of monsters, this time of night with quantum physics books? She's about to start some shit, Zed.” - J - Men in Black

So.....

Maxi Does Dallas?

Twisted Evil

- Mord

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

Creditcards are the debil. You heard it here first. They want like 2% of every purchase I make, so I don't have one.

Cash is the only way to pay.
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Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell

lewis · Posted: Fri Jan 13, 2006 6:42 am Post subject:

I don't understand credit cards. Why spend money you don't have? And then have to pay it back so you still don't have it, only more so?
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"I don't think that's where their brains are." - Paul Hill

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

My theory: it's a legal con for banks.
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Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell

Jay · **Ex OSYer** Captain Joined: 09 May 2003 Posts: 1589

I am what the Credit Card industry refers to as a deadbeat. Thats right... I have a zero balance on all credit cards in the possession of me and my wife Very Happy

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

So why have one in the first place? Don't you have, like, to pay a yearly fee to have them?
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Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell

Jay · **Ex OSYer** Captain Joined: 09 May 2003 Posts: 1589

I don't pay fees for Credit Cards. Neither of my cards charge a fee (Capital One and Discover) and my wife's Capital One card tried that once after we kept a zero balance on it for over 6 months. One phone call was all it took to straighten that out. That reminds me.... we need to cancel that stupid card before they try that again.

I look at Credit Cards as a "just in case" fallback. Like when I bought my new laptop in August, I used a Credit Card to pay for it. I floated the balance and made small payments for a few months and once I acquired the money - I paid off the entire balance. Sometimes you don't have enough money in the bank to cover all your wants and needs.

Feign · Posted: Fri Jan 13, 2006 7:27 am Post subject:

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

A quick search on the local VISA page told me that's 20/year if you take the one without insurance and 54 with. That's the cheap one.
I'd tell you teh exact interest, but I couldn't be arsed to navigate that horrible piece of shit they call a website. You can't find a thing!
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Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell

lewis · Posted: Fri Jan 13, 2006 8:10 am Post subject:

Did you know VISA is a recursive acronym, like GNU? It's VISA International Shareholders Association.
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"I don't think that's where their brains are." - Paul Hill

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

Now I do.
_________________
Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

Now I do.
_________________
Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell

Mord · Posted: Fri Jan 13, 2006 8:28 am Post subject:

I have lots of cards. Don't pay a fee on any of them. I use my American Express airmiles card for the bulk of my purchases, but don't care my balance from month to month. This allows me to accumulate airmiles, which my wife spends on merchandise. We don't typically use them for flights.

I also have a card I use explicitly for online and telephone transactions. I feel I can control the damage better if I got compromised if I've only been using one card.

And my personal line of credit, where I carry the bulk of my debt for home renovations and major purchases, is actually interfaced through a VISA card. So I get all the benfits of using a VISA (there are some, you know, especially the "Win What You Buy" lottery Wink

) with the low interest rate of a line of credit. In addition, (in Canada anyway) its possible to use the interest paid on a line of credit as a tax write-off if you claim to be using it for investing. IMO even if you aren't strictly investing with it, might as well write it off. The worst that can happen is you get auditted and have to pay some extra tax.
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Give a guy a gun, he thinks he's Superman. Give him two and he thinks he's God. - Superintendant Pang, Lashou shentan (a.k.a. Hard-Boiled)
I note that you don't have any OSY member quotes in your sig. - the twinkster
Nonsense. "Bias" is people whom don't agree with me. - FondueDaredevil

Gabe: I wish you weren't a fucking liar.
Tycho: I'm not a liar.
Gabe: Well, I wish you didn't lie.

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

But with the same logic you can just stop paying taxes, because the worst thing that happens is that you have to pay plus some extra.
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Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell

Mord · Posted: Fri Jan 13, 2006 9:11 am Post subject:

HitScan · Posted: Fri Jan 13, 2006 9:34 am Post subject:

Mord · Posted: Fri Jan 13, 2006 10:06 am Post subject:

HitScan · Posted: Fri Jan 13, 2006 10:16 am Post subject:

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

At least you HAVE a Freedom of Information Act.
Here we have what we call the "Amtsgeheimnis". It means official secret or something. Now, all of the bureacracy hides behind it. So we get exactly zero help, zero answers and 100 percent pain.
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Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell

Mord · Posted: Fri Jan 13, 2006 11:14 am Post subject:

Funny thing about taxing the rich.

Reduce the taxes, do you really help the poor? In Canada, you don't even pay income tax unless you make a certain amount of money, something like $13000 a year. So if you're really poor, tax cuts ain't gonna help you.

So what's wrong with reducing taxes for the rich? Maybe it improves their bottom line. Maybe they can sell products for less. Maybe they can hire some more people. Tax them more, and they'll just find more ways around it. Dumping money into dummy companies, or spending money on unnecessary "exploration".

Yeah funny thing.

Incidentally, we've all forgotten the advantage to not carrying cash around. I consider cash in my pocket as cash already spent. I just don't know yet what I've bought. I suppose if I carried a gun the same logic would dictate that all my bullets would already have names on them...... Satan grin

_________________
Give a guy a gun, he thinks he's Superman. Give him two and he thinks he's God. - Superintendant Pang, Lashou shentan (a.k.a. Hard-Boiled)
I note that you don't have any OSY member quotes in your sig. - the twinkster
Nonsense. "Bias" is people whom don't agree with me. - FondueDaredevil

Gabe: I wish you weren't a fucking liar.
Tycho: I'm not a liar.
Gabe: Well, I wish you didn't lie.

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

Here you don't pay taxes if you make less than 10000€.

And then the progessive tax system takes over. I don't understand it really, for the calculation is the fucked.
The political elite* claims the progressive tx to be the end of all things because the rich pay more.

Of course, it's not true. A recent study showed that due to the amount of loop holes in the tax law it is just about as effective as a flat tax.

*aka fucking morons
_________________
Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell

Jeremy Reimer · Posted: Fri Jan 13, 2006 11:52 am Post subject:

Mord · Posted: Fri Jan 13, 2006 11:55 am Post subject:

Riso · Commodore Joined: 28 Feb 2001 Posts: 3019

This crazy idea I've read a month ago or so:

1) Do away with all Income/Labor taxes
2) Make a VAT of 20-25%
3) Give everyone 1200€ a month
4) Make people spend all of it on excess consumer goods
5) Profit!
_________________
Miss Congeniality

"Don't try to frighten us with your sorcerous ways Lord Reimer, your sad devotion to that ancient OS have not helped you conjure up the Guru Meditation or given you clarvoyance enough to find 1% marketshare"
- FondueDaredevil

"[...] we view customers as complete morons that will never catch on and [...] we're lying to them all the time."
- Gabe Newell