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be careful . some cards take back what they gave you if you close before a year ...
as an example:
"This is one of the most common questions we receive, but the answer is worth repeating loud and clear: Never, under any circumstances, should you close a credit card less than one year after opening it. There are a whole host of reasons why this is a bad idea, but let’s start with some of the consequences Alex might expect from Amex if he were to do this.
Buried in the terms and conditions of the Delta SkyMiles® Platinum American Express Card (and nearly every Amex card out there) is the following important line (emphasis mine):
“If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome offer(s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit the welcome offer to, we may freeze the welcome offer credited to, or we may take away the welcome offer from your account. We may also cancel this Card account and other Card accounts you may have with us.”
well nothing is ever a problem , until it's a problem , right ?
No I mean I didn’t really do that on purpose, I thought I’ve already spent the fee, but after I transferred them to the airline that I want to use the reward points for, then I closed the account, they reimbursed me the money. They never clawed back anything because it’s no longer there, it’s being zeroed out.
The reason I close them because I worry I might forget about them and have to spend another year for annual fee. But I did this 3-4 times now.
I realize the live-below-your-means crowd is in the minority but this thread gives the impression it is a larger minority here than I originally thought.
Certainly it is a larger minority than MathJack can conceive of. But why the insults? At some gut level do you feel someone is implying that their frugality should apply to you and react accordingly? I thought I'd seen you come to realize that different people have different spending habits, that your life experience was not universal. So please understand no one is proposing that YOU could/should live at 35K a year or $70 for a couple.
I can attest that a single person with a paid off house, decent health, (and short legs) can live quite well in a low cost state for $35K a year. I'm a <5 miles from a level 1 trauma hospital and can be from my door to a gate at the world busiest airport in less than 2 hours counting TSA if there are no delays. *OK that's hyperbole I usually give myself extra time but it is an hour actual travel time road+air.
Quote:
When I moved into my current house the previous owners had spent thousands on appliances and gizmos and widgets. My refrigerator's mother board went bad -- who knew it needed a mother board? The cost of repair was the same as buying a perfectly functional and reliable mid range refrigerator...which I did. I could climb inside the washer and it was not cheap fixing the dryer when the drum went off the rails. The convection oven is worthless. I live alone but have an intercom system so I can ask myself a question and run to a bedroom and answer it. The built-in vacuum system is nearly worthless and gives the cat heart failure while knocking things over with the 30-foot hose. There is a point where spending money for adding things is just silly.
SunGrins' post made me smile but it perfectly expresses why I like to keep things simple. As for MathJacks $50k offer - I may be an outlier but I would thank him profusely and give him a list of charities I support and let him make the final choices and handle the paperwork. I truly don't need that money.
I disagree. They are not lucky. Fortunate, perhaps, but not lucky. Their financial situation is the result of a lifetime of making good decisions and having some good outcomes.
Amen! And preparing for life and self-sacrifice and self-discipline and delayed gratification and definitely living below your means. Anyone can do it if they want to (most just don't want to). "Luck" has little or nothing to do with it.
I just gave myself the "green light to spend".
Was at the beach yesterday listening to music on my iPhone and I kept knocking out my EarPods by the wires when I moved.
So I'm off to Best Buy to get me a pair of AirPods. Goodbye wires !
Today the painters will come to paint my house exterior. That’s some dough to spend. I almost thought we had to do it ourselves, so glad we have opportunity to spend.
Today the painters will come to paint my house exterior. That’s some dough to spend. I almost thought we had to do it ourselves, so glad we have opportunity to spend.
Words cannot adequately express how much I hate painting (except for trim; I can force myself to touch up interior trim on rare occasions, but that's it) and so for me, paying a painter isn't a "discretionary spend" -- it's an emotional necessity, lol
Vinyl siding was probably invented for people like me.
Words cannot adequately express how much I hate painting (except for trim; I can force myself to touch up interior trim on rare occasions, but that's it) and so for me, paying a painter isn't a "discretionary spend" -- it's an emotional necessity, lol
Vinyl siding was probably invented for people like me.
I always love your post. Actually my husband suggested that it would be a lot of work even though we like DiY. So I did listen to him.
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