Ask The Readers Which Credit Cards Do You Use — And Why

I’m always reluctant to cover credit cards here at Get Rich Slowly. There are other sites that do it better. Besides, I’m still not wholly convinced they’re a good idea. Plus, my wife — who is always right — told me the other day, “I don’t like it when you write about credit cards. Credit cards are boring.”

Still, in today’s world, effective use of credit cards is an important part of personal finance. If you don’t use them correctly, you can end up deep in debt. (I’ve experienced this first-hand.) But if you do use them properly, they can actually help your financial situation. Many times people take credits but when the time comes to pay back, it becomes difficult. For such people who have a low credit score, they can also get the best loans even after a bad score through TheIslandnow. They have made it possible to get the loan approved for such people who have a bad record in the past.

Joining the Dark Side

When I started Get Rich Slowly, I was staunch supporter of the anti-credit card camp. I’d been stupid with credit cards when I was younger, and they were a big reason I found myself with over $35,000 in consumer debt. I’d been burned, and like Dave Ramsey, I couldn’t see any benefit to using them.

As my financial habits improved, however, I came to understand that credit cards aren’t necessarily evil. My wife, for example, has had a credit card for as long as I’ve known her (over 20 years!), and has never carried a balance. She loves using her Discover card, which gives her up to 5% cash back. (”To be honest,” she told me tonight, “I only get about 40 cents per month from using the thing, which is about half a percent cash back.”)

Still, I was wary. But three years ago — as we were preparing to travel to England, Ireland, and New York — I decided to take a risk. Based on the urging of GRS readers, I signed up for a credit card. I chose the Capital One No-Hassle Cash Back card because it offered some perks for travelers, and because I liked the idea of getting a one percent cash discount on everything I buy with it.

When I signed up for a credit card, I made some rules for myself. I vowed to:

  • Pay off the entire balance every month.
  • Never buy anything on credit unless I already had the cash in the bank to pay the bill.
  • Make my decision about what to buy and then decide how to pay. (Instead of saying, “Oh, I have a credit card, so I can buy this.”
  • decide how to pay. (Instead of saying, “Oh, I have a credit card, so I can buy this.” Never use my credit card for impulse purchases.
  • If I violated any of these rules ever, I promised myself I’d cut up the card. Three years later, I still have that credit card.

The Chainsaw of Personal Finance

While I’m not about to sing the praises of credit cards, I do think they’re a useful tool in the responsible person’s financial toolbox. To quote myself from Your Money: The Missing Manual:

Credit cards aren’t evil, but they can be dangerous. Just as you’d treat a chainsaw with respect, you need to be careful with credit to avoid hurting yourself. And if you use them wisely, credit cards can actually give you a financial edge.

I don’t write about credit cards very often at Get Rich Slowly. If there’s something that needs to be said about credit, I usually let a guest poster do that. (Get Rich Slowly has good relationships with both Index Credit Cards and Card Ratings, and they know a lot more about this stuff than I do.)

But I’ve been wondering lately just how GRS readers use credit cards. I suspect that many (most?) of you are like me: You use credit cards wisely, and they’re tools that helps you achieve your goals.

So, I have some questions today. As I mentioned, I’m using the Capital One No-Hassle Cash Back card (man, what a dumb name!). What about you? Which credit card(s) do you use? Why do you use it? How, when, and where do you use it? Do you have personal rules for credit card use? Have you ever been in credit card debt? How do you steer clear of that now? I plan to collect your answers for a future post, one that I hope will help others learn to use credit cards responsibly.

Can I Do Bodybuilding In The Royal Marines

Bodybuilding is accepted and done by a large number of people these days. Bodybuilding workouts are not just performed by the bodybuilders and athletes but even by those who wish to be in perfect shape and want to lead a healthy, strong life.

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Time and again, the proven bodybuilding workouts that are used by people include intensity workouts and volume training. This is generally due to the fact that these workouts force muscles to work harder. Thus it is best to check whether you have the much needed stamina, and energy to carry out these workouts or not. If not, there is no point doing these strenuous workouts and damaging your muscles.

The bodybuilding workouts can be done at home as well and they serve as amazing options for those who do not want to visit the gym. This may be because you are too busy and do not wish to visit gym after a tiring day at work place. Whatever the reason may be, with proper bodybuilding workouts, you can enjoy good body very conveniently and easily.

There are even some bodybuilding workout options that you can do at home and that don’t need any equipment. These types of workouts help by using one’s own body weight and act as resistance.

To achieve amazing body, ensure that you ingest small amounts of protein and complex carbohydrates somewhere around 2 hours before starting the workout. This will eventually ensure that you get proper energy producing nutrients in order to expel in the high intensity weight training program.

Another important bodybuilding gym workout idea is to make certain that you are hydrated properly with water and other liquids. You should consume at least one half of the bodyweight in ounce every day. After you have completed the pre designed high intensity bodybuilding schedule, it is best to get out of your gym, go home and relax. Just hold yourself back from overexerting yourself. Remember that more is not always better. Just stick to your bodybuilding plan and enjoy a great and healthy body in no time. Use proper bodybuilding workouts and you will be able to flaunt sexy body.

Men and women are often keen about bodybuilding, since having a good body is one of the main ways of presenting themselves to the world. Therefore, bodybuilding occupies a major share of their life, as men try to practice bodybuilding workouts and even indulge in some gyms and use of heavy equipments to develop the best physique. However, it is not something that can happen overnight. It takes time and a lot of effort to see the changes in your body gradually. It is very important to know that the process of bodybuilding is very slow, but the result will be fantastic eventually. If you can be patient and follow the routine religiously, you will certainly get the best result.

Useful tips for bodybuilding include:

  • Maintaining consistency: It is imperative to be consistent. Whether you are simply planning to emphasize on methods like bodybuilding workouts or you want to take some gradual steps to improve your body, you would have to be consistent in your approach. Irrespective of your stamina, it is important to be completely dedicated to your schedule. It would be perfect to combine your bodybuilding workouts with a proper diet plan.
  • Giving Effort: Nothing happens without an effort; if you want to build an envious body, you have to put in a lot of effort and get the right amount of motivation for varying yourself forward. It has been observed that when people begin exercising their efforts at the peak, but only to reduce gradually. Continuous effort will help in building the right muscles at the right time.
  • Nutrition and Diet: Diet plays a major role in body building. You must have a nutritious diet, rich in proteins, vitamins and essential minerals. It is also necessary to take some supplements if required in order to ensure that the body is getting its required amount of nutrients from diet sources as well as form supplements.
  • Sleep/Rest: It is very important to give your body some rest; sleeping is the body’s own way of releasing stress and anxiety. It helps in improving your metabolism, makes you feel fresher and better, allows your muscles to rest and ensures a great beginning.