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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.
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.
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.
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.
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.
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.
During the struggles, the one thing I remember was the continued support from my wife. I was running up phone bills and did all kinds of things to begin the process. When times were bad we bought food with credit cards. We had bill collectors calling. We maneuvered through this together.
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.
When I was a kid, there were no credit cards. Instead, retailers offered layaway plans. My mom would go to a store, such as a furniture outlet, choose the sofa she wanted, and put it on layaway. That meant she put a little money down to hold the sofa, and every payday she'd pay a little toward the purchase.
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.
Two-thirds of the world's population is unbanked or underbanked. Imagine if you had all your bank accounts shut down today, if you had all your credit cards shut off today, Paypal, Venmo, etc. What would life be like? And that's a problem that most of the world faces if you're in Latin America, Africa or South East Asia.
Our children lost our direction because they have been compromised. They have found freedom at the ballot box, and then they have taken on plastic chains around their minds and souls and mortgage their future on credit cards. They have to learn better - they have to learn the value of ideas and health as opposed to wealth.
It turns out that CVS is one of about 40 merchants in a consortium that formed in 2011 to develop their own mobile-phone-based payment system. The consortium, called the Merchant Customer Exchange, or MCX, is in large part all about eliminating, or at least reducing, the fees banks charge retailers for swiping 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.
I always used to travel without a passport case, and because of it I think I'm four passports in. I bought this small Tumi case to protect my new one, and it works really well, not just for protecting it but also for keeping credit cards and small stuff. I just throw it in my bag when I'm traveling, as opposed to stuffed in my pocket.
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.
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.