A Quote by Dean Karnazes
I run with a credit card and a cell phone, so when there is not a 7-Eleven around, like some of the country roads out there, I can get him to deliver a pizza to me. And I kind of give them a coordinate, a corner.
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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.
Pizza made me who I am. In the summer of 1998, I dropped out of college and started a pizza restaurant called Growlies in my hometown in rural Canada. My seed money: a credit card with a $20,000 limit.
You're a kid, your whole life is awesome. It's awesome, right? You had no money, no ID, no cell phone, no nothing, no keys to the house. You just ran outside into the woods. You weren't
scared of nothing. I challenge you to do that as an adult. All your IDs, all your credit cards - just run out of the house with no phone, turn the corner where you can't see your house, and
not have a full on panic attack.
Nobody had a credit card when I was a kid. No one had credit card debt. But these big companies and banks wanted to know how to get more money out of people - get them charging things.
If I was a parent or a kid, I would need a cell phone, and those things are invaluable, but my kids are out of the house now, and I am thrilled when I wake up to not have a cell phone, and feel like today is stretching out in front of me for 1,000 hours, as it seems.
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.
I ain't never been in no cell that had a phone in it. Can I stay for a while? I ordered some pizza.
The cell phone has transformed public places into giant phone-a-thons in which callers exist within narcissistic cocoons of private conversations. Like faxes, computer modems and other modern gadgets that have clogged out lives with phony urgency, cell phones represent the 20th Century's escalation of imaginary need. We didn't need cell phones until we had them. Clearly, cell phones cause not only a breakdown of courtesy, but the atrophy of basic skills.
We were orbiting around the idea of intent and context. We would take the bus into work, and if you said, 'Here's a shirt you might like,' and I open it on my mobile phone, I'm not going to pull out my credit card and wallet. We thought, 'How does someone do this? An e-mail to yourself, or you try to remember?'
Deskilling devices - they make us dumber. We're immersed in a system that now requires the use of a cell phone just to get around, just to function, and so the logic of that cell phone has been imposed on us.
I try to use my debit card rather than a credit card, but I will use a credit card for big purchases because I bank with Coutts and I get points.
If you're like me, you probably take your cell phone with you everywhere you go. That means that everywhere you go, you can be tracked and located through that cell phone. It's a feature of cell phones that's not often mentioned, but that is being used by law enforcement to catch criminals.
Someone stole my wallet last week. The guy called me up and he was mad at me. He was like 'you gotta get your finances together. You got no cash, your credit cards are maxed out. You don't even have minutes on your calling card. I had to use my card to call you.'
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'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.
The cell phone companies add to the problem. Every one they give out, they get money for from the federal government. So they have an incentive to give as many away as possible. And that's exactly what they're doing, and they're making a killing.
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