Is being creative with credit cards and banking worth the risk?

| September 16, 2018

I hate seeing any of my friends borrow money … especially when the borrowing is at high rates as it often is for those struggling with bills and  living month to month. It is particularly frustrating when they are still use credit cards with rates in the double digits, are paying the minimum and often […]

Financial wisdom – Double Cash Back Credit Card from Citi

| September 24, 2015

Just in case you are the type of responsible credit card user who pays off the balance each month and has excellent FICO scores, you might want to consider using the Citi Double Cash Card. It is a no annual fee credit card and pays a total of 2% on purchases … I think that […]

Borrowing money at low rates when emergencies arise

| September 9, 2015

I’m a Dave Ramsey advocate for the most part and prefer not to borrow money for anything other than a home. Unfortunately that’s challenging for most people as well as yours truly a few items in the past. Brenda and I borrowed when starting and expanding our small business, for the occasional new car (a […]

Thoughts and frustrations on managing personal finances

| August 5, 2010

Once upon a time I thought I had our family’s banking and credit card use figured out … but between the bureaucrats sticking their noses into banking and the greedy bankers themselves wanting to make money hand over fist off the backs of the financially irresponsible like they did a few years ago, a wrench […]

American Express marketing USB gadget – Safe?

| May 3, 2010

American Express continues their rich and creative advertising using USB technology  computer technology to entice card members and ‘would be’ card members to apply for one of their credit cards. I started to ponder the safety of popping the little fold out USB plug into a waiting computer … wondering just who made the card […]

Desultory - des-uhl-tawr-ee, -tohr-ee

  1. lacking in consistency, constancy, or visible order, disconnected; fitful: desultory conversation.
  2. digressing from or unconnected with the main subject; random: a desultory remark.
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