I think folks here are skirting around the issue by saying, "Oh, just pay it off on time and there's no problem!" And while that's true, you're clearly talking about a what-if crisis where things go bad: getting laid-off, a huge medical bill, a family crisis, etc. The sort of thing where reliably paying your bill wouldn't be a sure thing.
I think it's a really good question and it's telling that people are ignoring what you're asking: "With interest rates that high, why risk an emergency?"
My answer: have a safety net. Regardless of credit cards, it's a smart idea to always have savings - at least a few months' and up to a year's worth of bare-bones living expenses. If someone is just one crisis away from being totally f*cked, they should be very cautious about their spending, including credit cards.
But if one CAN weather a crisis and be responsible, there's no reason to avoid the benefits of using them.
If it wasn't explained in an announcement, ask HR or your campus payroll person. They'd know for sure.
Usually, though, COLAs are a permanent addition to the salary, so not like a bonus. Some places just add a percentage to salaries, others just go, "Here, everyone gets an extra $500 more than they used to" or something.
You should still check the fine print and then hit up HR/payroll to know for certain, because we could only guess.
I was in Utah last year and Smith's coded just fine.
Might I suggest some ladies' watches from Grand Seiko? They're unconventional, but GS is known for their finishing and unique dials.
Here's a listing of their women's watches. It contains quartz and mechanical watches, depending on what you like.
Happy hunting!
Deutsch Jewelers. Their location in the Galleria was good to me. They have another nice location a bit further east on Westheimer too. They were all perfectly friendly.
However, they do have waitlists and are up front about how long it might take. A Sub will definitely take a bit, but a GMT might be a significantly longer wait.
I bought the new 36 Explorer when it came out as a new customer after half a year. But it is a less in-demand watch compared to what you're after.
Synthahol from Star Trek.
Okay, putting aside the closing of other accounts, I suggest you do the following:
If you can pay off at least one of the cards, do that. Like, now. (Both would be better, but if you can't, then fine, do one.)
If you have a card that does 0% APR for like the first 12 months, or at least a lower one, then do a balance transfer to that account so at least you're not building up more interest.
Stay off the "energy drinks." smdh
It can be. You get better at it, definitely, but sometimes you'll just have a rough group or one really rotten student or lousy admins that just make the job a pain.
But the thing is, you'll probably never have it quite as hard as you do the first year. And with good skills, techniques, flexibility, and the right attitude, you can make a difficult situation easier.
So yeah, it can be tough, but it does get much easier as you get better.
You'll be okay. 🙂
Well, that's largely nonsense.
But I understand, there are more bad charters out there than anyone would like. However, people tend to make blanket statements that skew people's perceptions.
Still, I think I work for a good one. We draw new students by lottery, so a poor student has as good a chance as a wealthier one. But since the super rich pay for private schools anyway, most of our students come from families of modest means, largely Hispanic and black in population, and they come because of our school's STEM programs, which they can't get as easily in the regular public schools.
Now, I would vastly prefer to see public education better funded across the board and negate the need for charter schools, but the sort of plutocracy you're talking about is coming from diverting funding from public to private education, and those are the culprits we should really be directing our vitriol at.
That's private schools, not charter.
I work at a charter school and quite a few of my students are from low-income households.
Great card. The 3% dining and blanket 1.5% in particular are great for a college student to get some cash back.
And you'll easily be able to get the sign-up bonus when you buy your new school supplies, textbooks, etc.
Be responsible with spending and such and I'd say it's a great way to start off. Grats on getting approved!
I think it could be simpler than that.
2% on CFU; Make the grocery bonus on CSP count for groceries in general, not just online.
It's a solid setup as is, so some minor tweaks would make it that much better.
The Baltic is the flashier watch, but you might consider the watch's life afterwards. And an important thing to note is that the Baltic has no hacking seconds, so if you want to be more precise, that could be a problem.
I vote Hamilton. It's elegant and you can wear it every day afterwards.
Much as I love the Explorer, probably that one, followed by the Submariner.
Two steel sports watches with similar hands feels redundant. If I kept two of these, I'd keep the DJ for being flashier, and either the Sub or Explorer for less formal things.
Joke is an old one, but I'm distracted by the magician being named Ed. The hell does it have to do with the joke??
If you genuinely didn't understand, that's one thing (though not understanding the implicit meaning is a bit funny). Now you know better.
If you're being a rules lawyer pedant, then yeah, you deserved to get chewed out.
Though not a Muslim myself, many of my coworkers and students are, and credit cards are pretty common among them. If you're concerned, this article might put your mind at ease.
However, the best way to avoid paying interest is to do what any responsible user would do:
-Do not buy more than you can afford to pay for in a month
-Set your card to automatically pay your statement balance every month
If you do this, you will never pay interest and will be in the clear spiritually AND financially.
Good luck!
Cash back can be great if the bonuses match your spending, and it's easier and more versatile, since you can spend the extra dough on trips or just pay the bills if you need it. If you're super consistent, finding good, no-fee cards is easy.
However, if you know you want to spend points on travel, then you will probably need a card with a fee to open up options in the travel portal, and you can get good value on economy travel.
I started with Chase, and I think it's great for econ travel. Hit the sign up bonuses on the free cards, then the CSP, and you can use the latter to get a discounted hotel stay and transfer points to United or Southwest for some damn cheap flights. Chase also transfers to Hyatt if you want to get something a bit ritzier for cheap, and if you need to just cash out the points, you still can.
Venture X is a great card too, but I don't have any experience with it, so the other nice folks here can advise you better on that. Good luck!
Single and child free in Houston, Texas and I'm doing pretty well!
Just live within your budget and take advantage of any retirement programs as soon as you can (like TRS, a 403b - especially if the school will match the contribution - and start an IRA and maybe a high-yield savings account). Starting out can be rough, but if you start stretching your money now and build your career, it can be surprisingly lucrative down the road.
And do take that retirement stuff seriously; too many of my colleagues have no extra investment and are pushing their own retirements back indefinitely. Be smarter than that.
A photon gets stopped by a traffic cop.
"Just how fast were you going there?" asks the cop.
The photon says, "No idea, but I'm here now."
"Handwatch" when someone has the audacity to wear their watch past the ball of their wrist.
[Image]
Appropriate for the occasion.
Hopefully the comfort of a good watch, barbeque, and patriotism will help subdue the crippling anxiety I have about our future. 😃
what’s on your wrist for the fourth? 🦅 🇺🇸
rolex