A Quote by Bill Gates
There's always been a lot of information about your activities. Every phone number you dial, every credit-card charge you make. It's long since passed that a typical person doesn't leave footprints.
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Every time you pick up the phone, dial a number, write an e-mail, make a purchase, travel on the bus carrying a cell phone, swipe a card somewhere, you leave a trace, and the Government has decided that it's good idea to collect it all, everything, even if you've never been suspected of doing a crime.
I'm totally normal in every respect, but I have this one quirk - I can't give out a number without laughing. It's a problem when I'm giving my credit card number over the phone because they always think: 'He must have just stolen it.'
There are many random, unprotected sites online that appear safe to use and are ready to accept credit card information. You wouldn't give a stranger off the street your credit card information, so be extra cautious about who you are sharing it with online.
If you decide you need a secured card, use it to charge small items every month, then pay the balance off in full. If your credit score improves, and the bank doesn't offer to upgrade your card within 12 to 18 months, give them a call. If they refuse, try another lender.
If you pay your credit card off every month, get a rewards card. One that gives you airline miles or that will give you 1 percent cash back at least on every purchase.
There's a lot of health information available on your smart phone. There's financial information. There's your conversations, there's business secrets. There's an enormous long list of things that there's probably more information about you on here than exists in your home, right. Which makes it a lot more valuable to all the bad guys out there.
I worry that every time I lay down my credit card of choice, it says something about me. About my social standing or how I see myself. The very colour of your card is an indication of where you stand in the wealth stakes.
Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down.
There's also consumer debt, the credit card debt that burdens many of the working families in America. Yes, we talk about national debt, and we're paying a lot down. But you're fixing to hear me tell you part of the remedy for people who have got a lot of credit card debt is to make sure people get some of their own money back.
If you have credit card debt and credit card companies continue to close down the cards, what are you going to do? What are you going to do if they raise your interest rates to 32 percent? That's five times higher than what your kid is going to pay in interest on a student loan. Get rid of your credit card debt.
We must never let fear... divert us from our faith and faithful living. Every person in every era has had to walk by faith into what has always been some uncertainty. This is the plan. Just be faithful. God is in charge. He knows your name and He knows your need.
he card companies will often, as a courtesy, honor that credit card, but hit you with a penalty. And you keep swiping your card for $3 at Starbucks for your latté, and you're getting hit with a $25 penalty because it's over your credit limit.
Imagine, if you will, you're sitting at my desk in Hawaii. You have access to the entire world, as far as you can see it. Last several days, content of internet communications. Every email that's sent. Every website that's visited by every individual. Every text message that somebody sends on their phone. Every phone call they make.
If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.
But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.
Every single morning since I've been 27 years old, I've got up and someone's handed me a card like the one I have in my pocket with the schedule on it, of all the things I'm gonna do. I don't know what to do if I didn't have that card.
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