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500 credit

updated thu 21 jul 05


Richard Aerni on wed 20 jul 05

On Wed, 20 Jul 2005 18:18:54 -0400, Wayne Seidl wrote:

>Steve might get better mileage with that larger engine. It all
>depends on how he drives.

I've had vans in the past (one in present, too) that get anywhere from 13-16
miles per gallon. Lots of people used to tell me "Driving that hog? Don't
care much for the environment, do you?" I would respond that the most I
ever drove that van was 6000 miles per year, mostly to and from craft shows,
when I was carrying a ton or better. Seemed like a good use of the
equipment to me. Then I wondered how many miles they put on their efficient
car per year (the average American drives almost 15,000 miles per car per
year), and express shock and horror at their wastage of our precious natural
resources. It's all a matter of how you look at things...

>Regarding the credit thing, I have to agree for the most part with
>the Mayor. I've always paid the bill off every month. As a result,
>I had to fight the credit card company hard for each and every
>increase to the credit line over the years. I couldn't figure out
>what the problem was...until I discovered the trick.
>The credit card companies do NOT want you to pay the balance every
>month. They make no money that way, and will be reluctant to give
>you any more credit, since they aren't making anything on your using
>it (their money

Actually, that's not true. The credit card companies make a fee on every
transaction. Not as big as their sinful interest rates to be sure, but they
do make out on transactions, even if you pay off your balance every month.
(The average American family now carries almost $9000 in credit card
debt...that's a lot of interest over the course of the year!) And, my
company has often raised my credit limit without my asking, even though I
pay my balance off every month. And, whenever I've asked for an increase in
the limit, they have increased it. After all, don't they want you to make
the big purchase and perhaps finally not be able to pay off at the end of
the month?

Anyway, credit is a tool, like a van, or a truck, or a kiln. Use it wrong
and it will cost you...used properly, it is good for you.

Richard Aerni
Rochester, NY