Exactly, Mike. And that's a perfect example of what Dennis mentioned earlier of "directing ourselves rather than letting forces around us do so"Originally Posted by Mike Reed
Be the one *in* control, rather than controlled!
Marco.
Site Owner/Administrator
Location: Wrexham, North Wales, UK
Posts: 110,012
I'm AudioAl'sArbiterForPISHANTO.
Exactly, Mike. And that's a perfect example of what Dennis mentioned earlier of "directing ourselves rather than letting forces around us do so"
Be the one *in* control, rather than controlled!
Marco.
Main System
Turntable: Heavily-modified Technics SL-1210MK5G [Mike New bearing/ETP platter/Paul Hynes SR7 PSU & reg mods]. Funk Firm APM Achromat/Nagaoka GL-601 Crystal Record Weight/Isonoe feet & boots/Ortofon RS-212D/Denon DL-103GL in Denon PCL-300 headshell with Funk Firm Houdini/Kondo SL-115 pure-silver cartridge leads.
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Captain Insightful
Location: Seaford UK
Posts: 1,861
I'm Dennis.
I think 'keeping up with the Jones's' is a subconscious function, often a (Freudian), psychological displacement of some other unresolved issue.
Years ago there were descriptions of fat middle aged ladies spending very high amounts on very expensive dresses which they never wore, and having wardrobes full of them.
I agree about credit cards provided they are used as you guys have stated, I have one only, used for online stuff, and always pay it off in full, and there are several layers of protection for online purchases.
Remember that old concept of Higher Purchase anyone? And also the old saying 'Kippers and Curtains', and saving up for something?
Super Moderator
Location: W Lothian
Posts: 99,005
I'm Grant.
I use PayPal a lot. It has protections built in. I have had credit cards before but I got rid of.
A lot of my online buys are amazon as well and they are good to deal with
Regards,
Grant.... ؠ ......Don't be such a big girl's blouse
I've said it before and I'll say it again: democracy simply-doesn't-work.... ..... ...... ...... ................... ..... ..... ..... ..... .....
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“You see these dictators on their pedestals, surrounded by the bayonets of their soldiers and the truncheons of their police ... yet in their hearts there is unspoken fear. They are afraid of words and thoughts: words spoken abroad, thoughts stirring at home -- all the more powerful because forbidden -- terrify them. A little mouse of thought appears in the room, and even the mightiest potentates are thrown into panic.”
"You don't have free will. You have the appearance of free will.”
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Banned
Location: gone away
Posts: 4,870
I'm joe.
I've got shedloads of credit cards, but the only one I use regularly is my Amazon one; it keeps all my Amazon-related purchases in one place, and I pay it off in full every time.
Trade: Magazine Journalist
Location: Hampshire, UK
Posts: 3,663
I'm Adam.
As above, I generally have a credit card bill each month in the high hundreds/low thousands because the shopping and my fuel goes on it, as well as any bigger one-off purchases. I pay it off monthly on the dot and get BA Avios points for doing so. This card is an American Express one and still quite a few places will not accept Amex, so I have a second, spare one as well - this is a Mastercard and gives me Virgin Atlantic points.
With these, Mrs B. and I have had some bargain holidays. With our trip to Florence this summer we only paid for three nights in the hotel - the other three nights and our flights both ways were ‘paid for’ using points.
If used properly, they can be surprisingly beneficial.
Engineers: fixing problems you didn't know you had in ways you don't understand.
Wants Macca's Babies
Location: Chorley Lancs
Posts: 14,698
I'm Steve.
My mate buys all his building materials using his Virgin Atlantic credit card, and it saves him hundreds off the cost of their twice a year holidays to Vegas and Florida. That's a lot further than mine would take me, as I don't have any credit cards. I once got one to help with car hire abroad, then it sat in a drawer until eventually they wrote saying they were cancelling it due to lack of "activity".
I only use a debit card - I can only use it if there are sufficient funds in my account to cover it. Helps keep me debt-free
I just dropped in, to see what condition my condition was in
T/T: Inspire Monarch, X200 tonearm, Ortofon Quintet Blue. Phono: Project Tube Box CD: Marantz CD6006 (UK Edition); Amp: Musical Fidelity A5 Integrated.
Speakers: Zu Omen Def, REL T9i subwoofer. Cables: Atlas Equator interconnects, Atlas Hyper 3.0 speaker cables
T'other system:
Echo Dot, Amptastic Mini One,Arcam A75 integrated, Celestion 5's, BK XLS-200 DF
A/V:
LG 55" OLED, Panasonic Blu Ray, Sony a/v amp, MA Radius speakers, REL Storm sub
Forget the past, it's gone. And don't worry about the future, it doesn't exist. There is only NOW.
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Captain Insightful
Location: Seaford UK
Posts: 1,861
I'm Dennis.
I hate debt, this view inculcated in my early environment, and debt obviously leaves one vulnerable, and for me with a feeling of subconscious unease.
Senior Member
Location: Norwich
Posts: 1,064
I'm Mike.
Sensible, but, as posted above, you can get a lot more out of credit cards if you use them sensibly/keep books etc. I'm a Nectar tart, having a Sainsbury's Mastercard really boosts the points. I'm very close to the £100, and it's only been several months. Considering we do our main shop in Aldi, that's good going, methinks !:lol
I only use a debit card - I can only use it if there are sufficient funds in my account to cover it. Helps keep me debt-free
Wants Macca's Babies
Location: Chorley Lancs
Posts: 14,698
I'm Steve.
Completely agree Mike, credit cards have a lot of advantages, and my not having one is not because I think there's anything wrong with them. No, the problem is me. I am utterly shite with money, and if I were given say, £10,000, I would not rest until I'd spent it all on something.
I know myself well enough to know that I'm more financially stable sans credit cards
I just dropped in, to see what condition my condition was in
T/T: Inspire Monarch, X200 tonearm, Ortofon Quintet Blue. Phono: Project Tube Box CD: Marantz CD6006 (UK Edition); Amp: Musical Fidelity A5 Integrated.
Speakers: Zu Omen Def, REL T9i subwoofer. Cables: Atlas Equator interconnects, Atlas Hyper 3.0 speaker cables
T'other system:
Echo Dot, Amptastic Mini One,Arcam A75 integrated, Celestion 5's, BK XLS-200 DF
A/V:
LG 55" OLED, Panasonic Blu Ray, Sony a/v amp, MA Radius speakers, REL Storm sub
Forget the past, it's gone. And don't worry about the future, it doesn't exist. There is only NOW.
KICKSTARTER: ENABLING SCAMMERS SINCE 2009
Fount Master & Moderator
Location: Essex
Posts: 31,976
I'm openingabottleofwine.
Yes, there is a potential risk using credit cards - if you get close to your credit limit, the credit card company will often inform you that they have raised the limit. After all, it is to their advantage to continue to earn interest from you. I have had two credit cards; one had a credit limit of £25,000, the second a limit of £10,000.
Barry
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