Zitat des Tages über Kreditkarten / Credit Cards:
We spend our way to the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don't need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being.
If money was being invented now, it wouldn't be designed to look like cash or credit cards. It would look more like Bitcoin.
Britain is a textbook case of how growing inequality leads to economic crisis. The years before the crash were marked by a sharp rise in remortgaging and the growth of 0 percent balance transfer credit cards. By 2008 the UK had the highest ratio of household debt to GDP of any major economy.
Although we leave traces of our personal lives with our credit cards and Web browsers today, tomorrow's mobile devices will broadcast clouds of personal data to invisible monitors all around us.
Most people don't grow up. It's too damn difficult. What happens is most people get older. That's the truth of it. They honor their credit cards, they find parking spaces, they marry, they have the nerve to have children, but they don't grow up.
The way the credit cards were made in the '80s to be a people's form of capitalism and be able to make it so that you could get a loan that you would have been denied previous, now that's the way stocks are.
Up until 1920, women couldn't vote. Until 1974, married women couldn't get their own credit cards or, in some cases, their own loans. Basically, the husband's professional, social, and economic identity covered the individual identity of the wife.
I never use debit cards. I only use credit cards. This way, if someone does get my account number... and charges $1 million, by federal law, my liability is zero.
Every year the Federal Government wastes billions of dollars as a result of overpayments of government agencies, misuse of government credit cards, abuse of the Federal entitlement programs, and the mismanagement of the Federal bureaucracy.
With the first money I got, I built my parents a house back home, gave them a string of credit cards, and said 'Go.'
Being on the run wasn't fun, but it was something I had to do. I was actually working in legitimate jobs. I wasn't living on people's credit cards. I was living like a character out of a movie. It was performance art.
You can examine the whole 19th century from the point of view of who would have maxed out their credit cards. Emma Bovary would have maxed hers out. No question. Mr. Scrooge would not have. He would have snipped his up.
It has always been more expensive for the poor to borrow money. We see this in everything from mortgage rates to credit cards.
The working class of England take their deracination completely for granted. Disenchantment is the happy code that informs every byway of the underclass: service jobs, celebrity dreams, Lotto wins, leisured poverty on pre-crunch credit cards, it's all there, part of the story of an English people whose grandparents never had it so good.
We know more about our credit cards than we know about our bodies.
You want 21 percent risk free? Pay off your credit cards.
Stripe is building payment infrastructure for the Web, so we make it easy to accept credit cards online. Before Stripe, the way you'd do this is using the legacy banking structure. It was slow, it was complex, it was expensive. It had this very chilling effect on e-commerce.
I was trying to create products to complement the pop-up blocker. All these people were giving me their credit cards. I figured I could sell them something else.
Everyone can get a little sloppy with cash and it's smart to notice. But what's squeezing you is the big stuff you ladle onto your credit cards.
No one lives on credit in France because banks don't allow overdrafts and zero percent credit cards do not exist.
I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.
You have two pages, that's the whole credit card agreement. The terms are clear and flat and easy to see so anyone can read them. So you could lay four credit cards in front of you and say, 'Oh, that's the one that has the highest rate, that's the one that has the really scary provision that could hurt me.'
I know a baseball star who wouldn't report the theft of his wife's credit cards because the thief spends less than she does.
Several times we were stranded in strange places without any money and with our credit cards cancelled - trapped in a hotel that we couldn't check out of because we had no money to check out.
I know people think we drive around in these nice cars and we do whatever we want and our parents will pay our credit cards, but that's not the case. Sure, my parents were generous; I got a nice car at 16, but at 18 I was cut off. I've worked really hard. I opened the store myself.
Oftentimes, small business owners are unable to obtain reasonably priced financing and instead turn to higher priced forms of capital, such as credit cards.
Life was a lot simpler when what we honored was father and mother rather than all major credit cards.
The NSA has built an infrastructure that allows it to intercept almost everything. With this capability, the vast majority of human communications are automatically ingested without targeting. If I wanted to see your emails or your wife's phone, all I have to do is use intercepts. I can get your emails, passwords, phone records, credit cards.
I'm more of a debit card person, and I live in the 'now'. I don't like credit cards anymore. I try to live with whatever I can afford and don't try to put myself in an awkward position. I've done that before.
I need to have the soul bank full as well as pay the credit cards and have a roof over my head.
I've never gotten cash out of a machine. I use my credit cards, so I don't need to do that.
Mint's business model became, 'We'll go for free, and then we'll find these savings opportunities for you.' You know, better interest rate on your credit cards, when should you consolidate your student loans, when does it mathematically make sense to refinance your mortgage, and Mint figures all that stuff out for you.
I use debit cards for everyday purchases, as I don't believe in credit cards. But this has caused problems, especially with American touring, because I refuse to have a credit card - and in America you can't pay for anything on a debit card.
If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.
Because Mint has access to all of your bank accounts and credit cards, we can detect fraud or unusual spending patterns faster than your bank, then send an email or text message alert to users.
You can always make a film somehow. You can beg, borrow, steal the equipment, use credit cards, use your friends' goodwill, wheedle your way into this or that situation. The real problem is, how do you get people to see it once it is made?