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Things everyone should know, but somehow they don't. (1 Viewer)

That credit cards are mostly a scam unless you pay off your balance every month so you don't get charged interest.  Then they're actually a better option than cash or debit because you get to keep your money in the bank earning you interest for the time between when you make your purchase and when you pay.
Biggest pile of bull#### posted here in a while.  You can make huge bank by occasionally taking advantage of signups.  With Chase between my wife and I we have amassed over 6k worth of points.  And even if you don't do this getting 2% cash back is easy.  Literally free money.  

Having a scary sharp knife makes this type of thing much easier.  I'm convinced my dad's set of fishing knives were scalpel sharp.

What kind of fish do people generally scale?  I've been fishing all my life and I've never scaled a fish, but I've always lived on the west coast and catch mostly saltwater gamefish and trout.   
Small fish, like perch.  Most fish have enough meat to fillet.  Smaller trout and bass are just big enough to fillet and are the most challenging due to size.  Bigger fish are easy, with the exception of oddballs like sheephead where you need an ax to get the head off (delicious, though).

 
Mrs. Rannous said:
How else would you tie a shoelace?
The way 90% of America does.  Granny/shoelace/bunny ears.  What he's showing is a reef knot.  Some people tie their shoes like that too, but not most.

 
Tell time/read a clock. 

I have a 15 and 17 year old who wouldn't know what time to meet you if you told them to be there at a quarter to four. 

I fear for their generation. 

 
Sand said:
That credit cards are mostly a scam unless you pay off your balance every month so you don't get charged interest.  Then they're actually a better option than cash or debit because you get to keep your money in the bank earning you interest for the time between when you make your purchase and when you pay.
Biggest pile of bull#### posted here in a while.  You can make huge bank by occasionally taking advantage of signups.  With Chase between my wife and I we have amassed over 6k worth of points.  And even if you don't do this getting 2% cash back is easy.  Literally free money.  
All of this is only true if, like I said, you pay off your balance every month.  If not, the interest they charge you more than makes back for them what they give you in points and cash back.

 
Mrs. Rannous said:
How else would you tie a shoelace?
The way 90% of America does.  Granny/shoelace/bunny ears.  What he's showing is a reef knot.  Some people tie their shoes like that too, but not most.
Now I have a new thing that people should know but don't- how to properly tie a shoelace.  Which coincidentally explains why so many people have shoelaces that are untied.

 
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You do understand that credit cards are pretty much unsecured debt.  You get better rates for, say, car loans and mortgages because you car or your house is used as collateral......you fail to pay, bank can take your property.  That isn't true for credit card debt.  Companies assume x% default, so you pay with higher rates.

So just pay off your balance every month and don't worry about it.




 
#### those guys.  Yeah, well I would love to loan my money out at 19%-23% interest - after I have qualified the person (like a credit card company does).  

I live in a state that doesn't allow me to participate in peer-to-peer lending ...or I would.  And those rates are less than half of what credit card companies charge for decent customers.  

 
Spending more than you should isn't a scam - that's just you being irresponsible. That's something you can do with cash or debit cards too.

The scam of a credit card is when you start having to pay interest on your balance because you can't pay it all off. The cc companies are allowed to charge more interest on your balance than a bank could charge you in interest on a loan.
I don't think "scam" is the word you want to be using here.

 
All of this is only true if, like I said, you pay off your balance every month.  If not, the interest they charge you more than makes back for them what they give you in points and cash back.
This is a game.  An easily winnable game - you win bigly if you take strategic advantage of these offers and pay off your debts every month. That's it.  No catches, no hidden dangers.

The CC companies win in the long run because they know most aren't capable of that.

 
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I don't think "scam" is the word you want to be using here.
It's like a scam.  APR on a cc (to start) is around 15%, and the minimum payment is about 1%-3% of what you owe.  This means that if you pay the minimum each month, you think you're paying off your debt but your debt is actually increasing.  If you miss a payment, your APR can go up to 30%, which means you're getting in deeper faster.

 
Spending more than you should isn't a scam - that's just you being irresponsible. That's something you can do with cash or debit cards too.

The scam of a credit card is when you start having to pay interest on your balance because you can't pay it all off. The cc companies are allowed to charge more interest on your balance than a bank could charge you in interest on a loan.
I'm saying for some people it's not a good idea to use credit cards - you can only spend the cash you have - if someone uses a card they have a safety net of sorts and I think in some cases spend without checking a budget - whether they go over and can't pay it off is irrelevant to the point I was making and why some people shouldn't have credit cards - IMO.

 
This is a game.  An easily winnable game - you win bigly if you take strategic advantage of these offers and pay off your debts every month. That's it.  No catches, no hidden dangers.

The CC companies win in the long run because they know most aren't capable of that.
Since the credit cards charge swipe fees to the merchant, they are winning even with paying rewards to the cardholders. They love the pay in full every month customers. No risk of default and they use the card heavily to earn more cash back, which in turn makes more money for the company on their swipe fees.

Sure they love people who like to pay the interest every month, but that group has a lot of risk associated with them that the pay in full crowd doesn't. 

 
It's like a scam.  APR on a cc (to start) is around 15%, and the minimum payment is about 1%-3% of what you owe.  This means that if you pay the minimum each month, you think you're paying off your debt but your debt is actually increasing.  If you miss a payment, your APR can go up to 30%, which means you're getting in deeper faster.
Get a better credit card.  We sneer at cards with that high an interest rate.

 
Not to leave your tools / yard equipment outside all year... especially if you've borrowed it.   :rant:

How to sharpen a knife (anybody else sick of listening to the wife complain about her dull kitchen knives?).

When is appropriate to drive with fog lamps on (hint, they are not daytime running lights).

H I S T O R Y ! ! !

 
Create a shortcut for your desktop without also leaving a copy of that shortcut in the original file folder.

Insert a functional hyperlink in an email.

Reserve a room (when it's been set up as a resource) for a meeting in Outlook.

Understand that a meeting invitation is not just a notice. People are expected to respond so the meeting organizer can reschedule when appropriate.

 
how to jumpstart a car

how to siphon gas

how to drive in snow/ice

how to type more than 40 wpm
Can you still siphon gas from a car?  I thought they had anti-siphon now.   I'd love to be able to just get the gas for my lawn tractor from the car rather than having to bring the red can to the station.   

 
The Big Guy said:
Since the credit cards charge swipe fees to the merchant, they are winning even with paying rewards to the cardholders. They love the pay in full every month customers. No risk of default and they use the card heavily to earn more cash back, which in turn makes more money for the company on their swipe fees.

Sure they love people who like to pay the interest every month, but that group has a lot of risk associated with them that the pay in full crowd doesn't. 
Lol.  Apparently they love everyone. 

 
nowadays people have no idea how to set the timing on a car i mean yeah it will run at idle but you see things like 2 degrees off and then your just losing top end power hell i bet most jagbags today couldnt find a crankshaft let alone a timing cover mark because they are all too busy arguing about how to tie a bowtie jesus what has america come to take that to the bank bromigos 

 
For some bizarre reason unknown even to me, it seems to me that one of my priorities of parenting is for my kids to identify bands or singers from the 60s, 70s, or 80s when they come on the radio in the car.  We will be driving and I have some sort of "classic" radio station on, and a song comes on, and I'll ask the kids to identify the singer.  I can't seem to stop myself.  Like it is somehow important to understand the subtle differences of, for example, Billy Joel and Elton John.  Stones, Beatles, and CCR.  GnR, Metallica, Motley Crue, Pearl Jam.  Cindy Laupher, Madonna, and Bannanarama.  Prince.  Bowie.  Police.

I was carpooling a bunch of kids last weekend, and a song came on, I think it was Rocket Man.  I turned it up, and asked the kids who sings this.  The other kids in the car were like "WTF is  your dad doing?"  My kids just signed and said something along the lines of "he does this; just go with it."

Anyway.  I think this is an important skill to have.  Understand who Aretha Franklin is and what her voice sounds like and why it was important.

 
Oh, one more thing that drives me absolutely insane:  When someone used to call your house, if they were a normal f^cking member of civilized society, they'd say something along the lines of "Hi, this is Jane.  Can I speak with Sue?"  Something that identifies the person calling, and then asked for what they want.  We have raised a generation of dog gamn tards.

My daughter walks to school with a neighbor girl every morning (7th grade).  My daughter is often late, so the the friend has taken to calling the house phone before hand to make sure she's coming. Which is fine. Daughter doesn't have a real phone yet.  But EVERY morning she calls and I pick up and say "hello."  And she says "hi" and then nothing.  Just effing dumb silence. She just waits for me to say something.  I used to try and wait her out.  But I think she's drooling on the other end.  Sometimes I'll say "Is this kate?" to get things started.  Sometimes I will respond "hi" in turn, which then she responds with another "hi" and we go back and forth a few times. I counted once and we got to 7 "hi" or "hellos" before I gave up. But for some unfathonable reason, she is unable to understand that she should identify herself when she calls someone's house.  

 
The forward lavatory IS FOR FIRST CLASS ONLY. Most of the time they announce this, usually phrased as using the lavatory "in your cabin." But it doesn't even matter if they announce it because every mouth breathing ####### in row 15 or less seems to think that they're entitled to use OUR lavatory. 

Poors, please drop your taco bell Budweiser ####s in your own lav, which is at the back of the plane, which is where you are.

 
For some bizarre reason unknown even to me, it seems to me that one of my priorities of parenting is for my kids to identify bands or singers from the 60s, 70s, or 80s when they come on the radio in the car.  We will be driving and I have some sort of "classic" radio station on, and a song comes on, and I'll ask the kids to identify the singer.  I can't seem to stop myself.  Like it is somehow important to understand the subtle differences of, for example, Billy Joel and Elton John.  Stones, Beatles, and CCR.  GnR, Metallica, Motley Crue, Pearl Jam.  Cindy Laupher, Madonna, and Bannanarama.  Prince.  Bowie.  Police.

I was carpooling a bunch of kids last weekend, and a song came on, I think it was Rocket Man.  I turned it up, and asked the kids who sings this.  The other kids in the car were like "WTF is  your dad doing?"  My kids just signed and said something along the lines of "he does this; just go with it."

Anyway.  I think this is an important skill to have.  Understand who Aretha Franklin is and what her voice sounds like and why it was important.
King Biscuit Flower Hour?

 
The forward lavatory IS FOR FIRST CLASS ONLY. Most of the time they announce this, usually phrased as using the lavatory "in your cabin." But it doesn't even matter if they announce it because every mouth breathing ####### in row 15 or less seems to think that they're entitled to use OUR lavatory. 

Poors, please drop your taco bell Budweiser ####s in your own lav, which is at the back of the plane, which is where you are.
Yeah.  These sub-class humans, I tell ya.  Been more and more brazen ever since they started letting blacks use the same drinking fountain and sit where they want.  It really is about time to take away the women's rights to vote too, while we're on the subject.

 
nowadays people have no idea how to set the timing on a car i mean yeah it will run at idle but you see things like 2 degrees off and then your just losing top end power hell i bet most jagbags today couldnt find a crankshaft let alone a timing cover mark because they are all too busy arguing about how to tie a bowtie jesus what has america come to take that to the bank bromigos 
Why waste you time with timing (see what I did?) when you can add 2 hp for only $800 by putting a fart can on your Geo Metro.  An additional .5 hp for every cool or chrome sticker you add too.  Proper engine tune is so '70s.  But hey, when you spend $120 on men's yoga pants instead of $20 for some army surplus cargo pants, you get what you get.

 
Tell time/read a clock. 

I have a 15 and 17 year old who wouldn't know what time to meet you if you told them to be there at a quarter to four. 

I fear for their generation. 
out of curiosity, why don't you fix this?  Simple right, buy them a watch with a dial and teach them how to use it?

 

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