I've read up on credit cards quite a bit, including those that owe $50,000 on 5 credit cards and only make $13,000 a year. I know all about the teaser rates, annual fees, and other good stuff found in the fine print in the paperwork that I don't think most people take the time to fully read. Only thing I didn't know was that not carrying a balance at the end of the month still helps build a credit rating. $500 seemed reasonable to me, since $500 is about the price of a major appliance (provided its not a top of the line stainless steel such and such).
I view credit cards as spending your tomorrow's money for today's suff. However, the credit card can be, and is, a very important financial tool. just like a tractor is a useful tool that can be abused as well. Someday I'll probably need something I cannot very well just save up for, and I'll need that good credit score to qualify for lower rates and have an easier time getting a loan.
I have an entrepreneur spirit and chances are I might need some sort of business loan someday, or need to finance a house of my own.
Sorry for taking so long to respond. I am actually at work right now and the stapler function is broken on the copier. A teacher needed a bunch of stuff stapled together by hand.
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Today's Featured Article - Ford N-Series Transmission/Hydraulic Fluid - The Full Story - by Llamas. The transmission fluid in an “N”:-series tractor lubricates the transmission, differential, rear wheel bearings, PTO and hydraulic pump drive, and it also cats as the working fluid for the hydraulic lift. In 9N/2N models, it also lubricates the steering sector and shaft system. The owner’s manual for the 9N and 2N models specified the use of only two fluids. They were STRAIGHT MINERAL OIL SAE 90 (above freezing) and
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