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Old 03-04-2015, 04:27 PM   #21 (permalink)
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Originally Posted by redpoint5 View Post
It's not a matter of debate. People must spend some money, and it's possible to save money by putting purchases on a credit card rather than a debit card. Earning some % back is better than earning nothing back on purchases.
Personally, I feel that spending money is a choice. You choose to believe that you must, so you do.

I choose to believe that I don't have to spend money, for anything, and seek to live my life in the best ways possible, without it. When there's a need, then I seek ways to minimalize or eliminate the need, and in some cases to seek a return. Conservation has almost entirely eliminated my utility bills. Shopping frugally and for health results in food lasting much longer, and fewer trips to a store.

These things make much more of a difference than "saving" 1%, after spending 1000% more with a cc, plus the inconvenience of sending in your payment once a month, unless this is done automatically - so the disappearing amounts are not seen.

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Old 03-04-2015, 04:48 PM   #22 (permalink)
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These things make much more of a difference than "saving" 1%, after spending 1000% more with a cc...
Sure, IF you choose to spend 1000% more - or even 1% more - because you can put it on a credit card. But if you spend the same amount either way, that 1% is a net gain.
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Old 03-04-2015, 04:52 PM   #23 (permalink)
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Sure, IF you choose to spend 1000% more - or even 1% more - because you can put it on a credit card. But if you spend the same amount either way, that 1% is a net gain.
Sure, but look at recent history. People spend more on credit cards, because it's easier to spend money they don't have, and they're constantly bombarded with advertisements to spend more.
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Old 03-04-2015, 07:16 PM   #24 (permalink)
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Does Apple Pay really have a fraud problem? | The Verge

The taint of the credit card protocol has spread to Apple Pay. So the people that said that Apple Pay is good in the long run for crypto-currencies were onto something.
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Old 03-05-2015, 12:11 AM   #25 (permalink)
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Well, I put $865.94 on my credit card for replacing my timing belt. I am supposed to receive $8.65 back.

That is gas for a week!

Oh, and kids, always look over work orders before approving. For some reason, when I told the guy on the phone (I call him "Salesman") that I wanted to come in in the morning and look at everything in writing, he pushed me to let them get started immediately.

I do not believe he mentioned they "needed" to flush my cooling system. He seemed to talk too much about some things while omitting others. Another mechanic said that you almost never need to flush the coolant system when you replace a timing belt, and they charged me a hundred and seventy dollars for it, which the mechanic said was definitely too much.
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Old 03-05-2015, 01:38 PM   #26 (permalink)
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Originally Posted by johnlvs2run View Post
People spend more on credit cards, because it's easier to spend money they don't have, and they're constantly bombarded with advertisements to spend more.
So you're saying I'm not human, is that it?

Look, if other people want to go around acting like idiots, that's their privilege. Doesn't mean I'm going to sign up as one of the lemmings.
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Old 03-05-2015, 02:29 PM   #27 (permalink)
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Credit cards push the details of your account to everyone, resulting in massive fraud. The credit card companies cover that, give you 'cash back' and still make a tidy profit.

Crypto-currencies push only the details of the individual transaction, which is much more secure. A hardware wallet insures the cryptography takes place in a secure environment.

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TREZOR: The Bitcoin Safe
https://www.bitcointrezor.com/
TREZOR BRINGS PEACE OF MIND. Ultimate security. No matter how unprotected your computer or internet connection might be, your coins always stay safe ...
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Old 03-05-2015, 02:38 PM   #28 (permalink)
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...and, old-fashioned "paper" currency cannot be "hacked" (but can be forged) and leaves no "personal information" trail (like electronic transactions).
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Old 03-05-2015, 03:42 PM   #29 (permalink)
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For me it's pretty much cash and money orders from the post office for anything I can't pay locally.

Fiat paper gets 'quantitatively eased', and coins get debased. Except nickels; I save nickels. An ammo can full of nickels is worth—I think—about $400 and weighs about 20 pounds.

jamesqf -- Is 'people' a subset of 'humans' or is it the other way around?
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Old 03-05-2015, 04:19 PM   #30 (permalink)
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I drive almost 20,000 miles a year and pay $1.00 every day in tolls. It's not worth the time to make sure I have money in my pocket for tolls every day and since I fill my tank whenever the light comes on, I'm never sure how much money I'll actually need to fill the tank. Please elaborate on how I can reduce my dependence on spending money with my work commute...

By using EZPass charged to my credit card, my tolls are reduced to $0.50/day due to a commuter rate that I wouldn't get if I paid cash and then I get a little extra back by recharging my toll account with my credit card. Filling up once a week also pays me back a little on every gallon of gas I buy. Looking at my credit card statement on my desk, I have $44.00 in cash back which is almost 2 tanks of gas for me and I used almost all my cash back less than a year ago, so it adds up relatively quickly. I also do not get gas at stations that charge different prices for cash or credit.

It's just like a change cup on the counter, you add a tiny bit every time you have a coin in your pocket and by the end of the year you have a "free" $100.00.

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