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While paying off your credit cards often helps improve your credit, this isn’t always the case. Depending on the strategy you use to wipe away your debt, you could (inadvertently) do some damage to your scores. This could make it harder to get a mortgage, car loan, or even a rental agreement in the future. Here’s what you need to know to pay down your credit obligations while protecting your credit.

What Not to Do: Ignoring Credit Card Debt

When it comes to credit card debt, the consequences of avoidance and procrastination are steep, both to your financial well-being and to your credit scores. Here’s a look at the potential fallout.

•   Interest charges will pile up: Generally, the longer you avoid paying down your debt, the more interest will accrue. The average interest rate on credit cards as of September 2024 is 27.64%. This means that even if your debt isn’t growing through new purchases, interest alone can make your balance balloon over time.

•   Late fees and credit damage: Credit card issuers usually charge fees if you don’t make the minimum payment by the due date. After 30 days of no payment, your issuer will likely report the missed payment to the credit bureaus, which can do significant damage to your credit scores. Maintaining a balance also keeps your credit utilization (how much of your available credit you’re using) high. Credit utilization plays a large role in your credit rating. As your balance grows, your credit score will generally decline.

•   Debt collection and legal consequences: Ignoring credit card debt for too long could lead to the debt being sold to a collection agency, who can be aggressive in pursuing repayment. In extreme cases, your creditors might sue you, potentially leading to wage garnishment or seizure of personal assets.

What You Should Consider: Paying off Credit Card Debt Using a Planned Approach

If you have a significant amount of credit card debt, it may be tempting to bury your head in the sand. But you’ll be far better off coming up with a clear, actionable plan to start whittling down what you owe. The following steps can help you feel more in control over your debt, as well as your overall financial situation.

•   Assess your debt. A good place to start is to list out all of your credit card balances, along with their interest rates and minimum payments. This will give you a full picture of what you owe.

•   Create a basic budget. You don’t have to come up with a detailed line-item spending plan. Simply go through your last few months of financial statements and assess what’s coming in and going out, on average, each month. Then comb through your discretionary (unnecessary) monthly spending and look for places where you can cut back. Any money you free up can go toward credit card payments. 

•   Pick a debt payoff strategy. Here’s a look at two popular approaches that can help you gradually pay down your balances.

•   Avalanche method: Here, you make extra payments on the credit card with the highest interest rate first, while making minimum payments on the others. Once the highest-rate card is paid off, you funnel those extra funds toward the card with the next-highest rate, and so on. This strategy minimizes the amount of interest you’ll pay over time.

•   Snowball method: With this method, you put extra payments toward the card with the smallest balance first, while making minimum payments on the others. When that card is cleared, you focus on paying off the next-smallest balance, and so on. This gives you quick wins and a psychological boost, which can help you stay motivated. 

•   Take advantage of windfalls: If you get a bonus, tax refund, or any extra income, consider applying it toward your credit card debt. This can help you reduce your balance faster and lower the total amount of interest you’ll pay.

•   Automate your payments: It’s a good idea to set up automatic payments for at least the minimum payment due each month. You may be able to pay more, but having this set up in advance helps you avoid missed payments, which can harm your credit score, as well as late fees.

•   Keep paid-off accounts open. As you pay off your cards, you may think it’s a good idea to close those accounts — but not so fast. When you close a credit card, you lose that account’s available credit limit. That means any balances remaining on other credit cards will then account for a higher percentage of your total available credit. This increases your credit utilization, which can hurt credit scores.

Negotiating and Settling Credit Card Debt

If you’ve been struggling to make payments on your credit cards, there’s a good chance your credit score has been negatively affected. Before the debt is sent to collections, you may be able to negotiate with the credit card company.

Like any business, the primary goal of a credit card company is to make a profit. When it becomes apparent that a cardholder is unable to pay their bills, companies are sometimes willing to find an arrangement that will enable the customer to make payments based on their situation. Here’s a look at some options a credit company may be able to offer.

•   Workout agreement: With this arrangement, the credit card company may agree to lower your interest rate or temporarily waive interest altogether. They may also be willing to take additional steps to make it easier for you to repay your debt, such as waiving past late fees or lowering your minimum payment. 

•   Debt settlement: In a debt settlement, the credit card company agrees to accept less than the full amount you owe, forgive the rest, and close the account. While this might seem appealing, a debt settlement can negatively affect your credit scores and stay on your credit reports for seven years. As a result, it’s generally considered a last-resort option for those facing severe financial difficulties.

•   Hardship agreement: Some card issuers offer a hardship or forbearance program for borrowers who are experiencing a temporary financial setback, such as a job loss, illness, or injury. Under these programs, the company may agree to lower your interest rate, even temporarily suspend payments. However, your credit can be negatively affected, since the issuer may report negative information to the credit bureaus during the forbearance period.

What Is the Statute of Limitations on Credit Card Debt?

The statute of limitations governs how long a creditor or collection agency can sue you for nonpayment of a debt. The statute of limitations on credit card debt varies from state to state, but is typically between three and six years. Once the statute of limitations has passed, debt collectors can’t win a court order for repayment.

Even if your credit card debt is past the statute of limitations, however, it doesn’t magically disappear. Unpaid debts can remain on your credit report for up to seven to 10 years from the date of your last payment. That negative mark can lower your credit scores, making it hard to qualify for new credit cards and loans with attractive rates and terms in the future. 

Say Goodbye to Credit Card Debt with a Personal Loan

Consolidating credit card debt with a personal loan (often referred to as a debt consolidation loan) can be an effective way to lower your debt and simplify repayment.

To do this, you essentially take out an unsecured personal loan, ideally with a lower interest rate than you’re paying on your cards, then use it to pay off your balances. Moving forward, you only have one payment (on your new loan). An online personal loan calculator can show you exactly how much interest you could save by paying off your existing credit card (or cards) with a personal loan.

Initially, debt consolidation can negatively impact your credit score. This is because the lender will do a hard pull on your credit, which can decrease your score by a few points. However, this decline is temporary. Making consistent, on-time payments on your personal loan can help boost your credit profile over time. Payment history makes up 35% of your overall FICO® credit score.

If, on the other hand, you make any of your loan payments late, or miss a payment entirely, credit consolidation can end up having a damaging impact on your credit.

Recommended: FICO Score vs Credit Score 

The Takeaway

Credit card debt can be a major financial burden, but it doesn’t have to ruin your credit or your financial future. By avoiding the temptation to ignore your debt and adopting a planned approach, you can gradually reduce what you owe. Whether you choose to use a paydown strategy (like avalanche or snowball), negotiate with creditors, or explore a consolidation loan, there are various strategies to help you regain control of your finances while protecting — and ultimately building — your credit.

Ready for a personal loan to pay off credit card debt? With low fixed interest rates on loans of $5K to $100K, a SoFi Personal Loan for credit card debt could substantially decrease your monthly bills.

SoFi’s Personal Loan was named NerdWallet’s 2024 winner for Best Personal Loan overall.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

SOPL-Q324-039

Source: sofi.com

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The Offer

  • Chase Ultimate Rewards program is offering a 40% transfer bonus when you transfer to Virgin Atlantic. Normally you can transfer at a rate of 1:1 and under this promotion that increases to 1:1.4

The Fine Print

  • Valid until November 30, 2024

Our Verdict

This is the sixth transfer bonus we have seen from Chase & Virgin Atlantic (1,2, 3, 4, 5, 6).  You can view more Chase transfer bonuses by clicking here. American Express is offering the same transfer bonus to Virgin Atlantic currently as well.

Source: doctorofcredit.com

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Looking for ways to earn extra cash online? Websites like Freecash can give you many chances to make money from home. You can try surveys, watch videos, play game apps to win real money, and more to earn rewards. These sites give you fun ways to make money in your spare time. Some pay better…

Looking for ways to earn extra cash online? Websites like Freecash can give you many chances to make money from home. You can try surveys, watch videos, play game apps to win real money, and more to earn rewards.

These sites give you fun ways to make money in your spare time. Some pay better than others, so it’s smart to try a few. You might find new favorites that work well for you.

With a bit of effort, you could earn some nice extra spending money each month.

I have earned over 100 free gift cards and PayPal money by using many of the sites below, so I know they are real!

Proof that I made money playing games on Freecash. The $0.05 amounts were rewards for playing 2 minutes each day. The larger amounts like $40, $70, and $150 were for reaching certain levels.

What Is Freecash?

Freecash is a website where you can earn money by doing fun activities online. It’s like getting paid to play! You can make extra cash by taking surveys, trying out new apps, and even playing games on your phone or computer.

Freecash started in 2020 (you can find my full Freecash review here). Since then, lots of people have joined and earned money. In fact, Freecash users have made over $75 million combined!

Here’s how it works:

  1. Sign up for free
  2. Pick an activity you like
  3. Complete the task
  4. Get coins as a reward

Every 1,000 coins equals $1. When you have enough coins, you can trade them for real money or gift cards. You can get paid through PayPal, choose gift cards from places like Amazon or Google Play, or even get paid in crypto (like Bitcoin).

Freecash has many ways to earn:

  • Welcome bonus when you join
  • Surveys that pay $1 for 5 to 10 minutes
  • Games that can pay up to $650
  • Download apps that pay $1 to $75

You can even make money by telling your friends about Freecash. Plus, there are contests where you can win extra cash by being a top earner.

It’s pretty quick to start making money on Freecash. On average, people earn enough for their first payout in just 17 minutes.

I have personally made $302 by playing games on my phone on Freecash in just one week. You can read about it here – How I Made $302.80 Playing Games on My Phone (In One Week).

Click here to sign up for Freecash.

Best Websites Like Freecash

Here’s a quick list of the best sites like Freecash:

Below are the best websites like Freecash to make money.

As you can see here, I have earned 109 gift cards from Swagbucks. This is an old screenshot, I’ve earned a few more since then.

1. Swagbucks

Swagbucks is a rewards platform where you can make side cash online.

I started using Swagbucks years ago, and it’s helped me earn extra cash from home or while traveling. I’ve personally earned over 100 free gift cards through Swagbucks, so I know it’s a real app that pays you!

You can earn points called SB by doing easy tasks. These include taking surveys, watching videos, shopping for cash back, scanning receipts, and playing games. You can also get SB for shopping online or searching the web.

It’s free to join and only takes a few minutes to sign up. The points you earn can be turned into free gift cards, such as to Amazon, Target, Visa, and PayPal.

To play games on Swagbucks, just go to the “Play” tab after logging in. When I logged in, I saw over 20 games I could get paid to play, with a total reward value of $2,264.02 or 226,402 SB points.

Swagbucks won’t make you rich, but it’s an easy way to get some extra spending money. You could use it for small treats or to help pay bills. Give it a try and see how much you can earn!

If you join Swagbucks through my referral link, you can receive a $10 bonus.

Recommended reading: Swagbucks Review

2. KashKick

KashKick is a Get Paid To (GPT) site that pays you for doing simple tasks like taking surveys and playing games. It’s free to join and easy to use.

One of the best things about KashKick is the variety of games you can play. You might try Monopoly GO, Yahtzee, or Bingo Blitz. Some games can even earn you over $100 if you reach certain levels.

Example: Here’s how you can make money playing Monopoly Go on KashKick: Install the game (make sure to allow tracking on your device!) and reach Board 27 within 8 days to get $30. If you reach Board 42 in 12 days, you’ll earn an extra $40, and if you reach Board 71 in 24 days, you’ll get another $50. Altogether, you can earn $120!

Surveys are another good way to earn on KashKick. You’ll answer questions about products and services, and each survey usually takes less than 20 minutes and pays between $1 and $5.

When you’re ready to get paid, KashKick uses PayPal. You need to earn at least $10 before you can cash out.

Please click here to sign up for KashKick for free.

Recommended reading: KashKick Review

3. InboxDollars

InboxDollars is a popular site that pays you for doing fun online tasks. You can earn money by taking surveys, watching videos, and playing games.

It’s easy to use and free to join.

InboxDollars pays through PayPal cash and free gift cards to places like Amazon, Apple, Target, Dunkin’ Donuts, Lowe’s, Barnes & Noble, and Gap.

Sign up for InboxDollars here and get a free $5 bonus.

4. PrizeRebel

PrizeRebel is a great choice if you’re looking for a site like Freecash.

You can take surveys, play games, watch videos, and shop to earn points. Some of the games on PrizeRebel include Bingo Blitz, Solitaire Grand Harvest, Age of Apes, Kingdom Guard, Yahtzee, Woody Sort, Viking Rise, and others.

These points can be turned into cash (PayPal money) or free gift cards.

Like Freecash, PrizeRebel also has a referral program so you can earn extra by inviting friends to join.

You can sign up for PrizeRebel here.

5. MyPoints

MyPoints is a popular rewards site that lets you earn money in different ways, just like Freecash. You can take surveys, play games, and shop online to get points.

To get paid to play games on MyPoints, log in to your dashboard and go to the “Games” tab. There, you’ll find games like Bejeweled, Bingo, Catch 21, Puzzle Match, Wheel of Fortune, and more.

You can sign up for MyPoints by clicking here.

6. Survey Junkie

Survey Junkie is a popular website where you can make money by taking online surveys. They don’t have games to play like Freecash, but they have a lot of surveys that you can answer in your free time.

It’s easy to use and free to join. You can earn points for each survey you complete.

The surveys on Survey Junkie cover many topics. You might answer questions about products, brands, or your daily habits. Most surveys take between 5 and 20 minutes to finish.

You can sign up for Survey Junkie here.

7. Branded Surveys

Branded Surveys is an easy way to make some extra cash in your free time by answering surveys.

Each survey can pay you between $0.50 and $5. The amount you get depends on how long the survey takes, and most surveys only take 5 to 20 minutes to finish.

You can also earn points by inviting friends and answering a quick daily poll. If you’re really active, you might even win bonus points on their leaderboard.

Once you have 500 points, you can cash out. That’s equal to $5. You can choose to get paid through PayPal or pick from over 100 different gift cards.

You can sign up for Branded Surveys here.

8. Scrambly

Scrambly is a popular GPT site where you can earn money by doing simple tasks online. It’s a lot like Freecash and other reward sites.

On Scrambly, you can make money by taking surveys, playing games, and trying out new apps. These are quick and easy things to do in your free time.

When you finish tasks, you get points. You can trade these points for real money or gift cards. Some popular gift card options are Amazon, Walmart, and Starbucks.

One good thing about Scrambly is that it has a low cash out minimum of just $1. This means you don’t have to wait long to get your rewards and you can get paid pretty quickly.

Please click here to sign up for Scrambly.

Frequently Asked Questions

Below are answers to common questions about websites like Freecash.

What are some other websites like Freecash where I can make money?

My favorite websites and apps like Freecash are Swagbucks, KashKick, InboxDollars, PrizeRebel, and MyPoints. These sites let you earn money by doing tasks online such as by taking surveys, watching videos, playing games, and more.

What’s better than Freecash?

Swagbucks is a popular choice and I have been active on this site for years. It has many ways to earn and has paid out over $500 million. You can get cash back for shopping, take surveys, and play games. Some people like it better because it has more options to earn money.

How much money can you typically earn using sites like Freecash?

The amount of money you can make on sites like Freecash can vary, but most people make $1 to $5 per day. Some people are able to make $10 to $15 daily. It depends on how much time you spend and which tasks you do. I definitely don’t think you should expect to get rich, but you can earn some extra cash.

What are some tips for maximizing earnings on websites that pay cash for tasks?

To make the most money on sites that pay cash for tasks, I recommend doing the highest-paying tasks first and checking for daily bonuses. Also, try different types of tasks to see what pays best for you. For some people, it may be playing games, and for others, it may be answering as many surveys as possible.

How much can you earn with Freecash?

Freecash pays an average of around $15 to $30 per day (it depends on the day). Your earnings can be higher or lower. It depends on the tasks you do and how much time you spend. Some users make more by doing lots of tasks every day.

Which is better, Freecash or Swagbucks?

Both Freecash and Swagbucks have pros and cons. Swagbucks has more ways to earn and has a longer history. Freecash might have better payouts for some tasks like playing games. Try both to see which you like better, or you can simply just use both at the same time. For me, I really like both Freecash and Swagbucks.

Websites Like Freecash – Summary

I hope you enjoyed my article where you learned about other websites like Freecash.

If you’re looking for easy ways to make extra money online, websites like Freecash have many options. You can earn money by doing surveys, playing games, watching videos, and trying out apps.

These sites won’t make you rich, but with some effort, you can earn a little extra money each month.

I have personally earned over 100 free gift cards as well as PayPal cash by using many of the sites listed in this article. They are all real.

Here’s a quick summary of my top websites like Freecash:

Plus, you can join Freecash for free here too.

What are your favorite sites like Freecash?

Recommended reading:

Source: makingsenseofcents.com

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–

Well, it looks like we’re here in another US election year already. 

As Advanced Mustachians, we already know that the ongoing battle of Harris vs. Trump should not be consuming much of our time.  Sure, we do our research and cast our votes but after that we move right on to focus on other things within our own circle of control.

But out of all the things the politicians like to bicker about, there’s one area where MMM does need to set the record straight, and that area is of course money. Your money, the economy in general, and the overall wealth of the nation. 

Politicians are already not known for being the sharpest tools in the shed when it comes to technical stuff like science, technology, or economics. But this year the discourse has become particularly dumb, as our candidates try to manipulate undecided voters in swing states with ideas that are based on irrational emotions rather than sound economic sense. 

For one particularly funny example, you may have noticed that the competing party (Trump in this case) is attacking the incumbents (Biden/Harris) over the “bad economy.” When in fact the US economy is stronger than it has ever been, with the lowest unemployment we’ve ever seen as well. 

It’s hard to imagine a better situation than we have right now, and in fact the recent bout of higher inflation is a sign that things have been going too well, and we needed to step on the brakes with the help of higher interest rates. 

But somehow the people still seem to believe that we have a “bad” economy. Take a look at this Gallup poll showing that while most people (85%) are doing really well right now, they assume that it’s just their own good fortune – only 17% believe the economy is doing well. 

This is mathematically impossible, because if most people are doing well, that’s the definition of a good economy! And suspiciously enough, this widespread wrongness correlates quite nicely with the rise of social media misinformation.

–

So the politicians and the news have been doing the opposite of what they should be doing in an ideal situation (sharing accurate information). And sure, we can always just ignore their speeches and go on with our lives. But when it comes to economics, knowledge is power (and money). The more accurately we understand how things really work, the wealthier we will all become.

So with all that in mind, I hereby present you with my list of the… 

Top Dumb Things Politicians Want You To Believe About The Economy

1: The President Controls the Economy

If there’s a recession, the opposition party likes to blame it on the current president. If the economy is booming, the current president likes to give himself (or possibly soon herself) credit for all of that success. But really, the US economy is way too big – and thankfully way too free – for the president to control or really even influence all that strongly. 

In reality, our economy is a gigantic machine which converts labor and materials into things like iPhones, hospitals and pumpkin pies. And although we’re the biggest economy at 26% of the planet, we are still heavily influenced by that much bigger 74% of economic activity that the other 7.6 billion people on Earth are busy producing everywhere else.

When we have our inevitable little boom and bust cycles, they are mostly caused by the normal cycle of irrational exuberance (and greed) like the 2007 housing boom, followed by brief periods of extreme fear and pessimism like the 2008-2012 financial and housing crash. 

The government does play a role too, by setting tax rates and other rules. But the effects of these policies are usually so delayed and unpredictable, that you can’t draw a straight line between today’s president and today’s economy. In other words, the government does its best to adjust the rudder on our giant ship, but in the short term our economy lurches around on the waves and storms of the ocean.

2: The President Controls Interest Rates

This one is especially funny to me, as our candidates feign sympathy for the hard life of middle class Americans, who now face higher borrowing costs on their credit cards and car loans and mortgages. They claim they will fight to bring the interest rates down. Trump even goes as far as bullying our Federal Reserve board members (who can only do their jobs if we allow them to function as independent experts) and suggesting that he would take over the whole department, if elected.

The real story is that while monetary policy would be a terrible tool to leave in the hands of a sitting president (see Argentina), it does function as an excellent set of gas and brake pedals for the economy if used properly. When things slow down and unemployment gets too high, a cut to the interest rates will produce a boost in everything from new jobs to stock prices. But if things get too hot, you get rapid inflation which can mess up the system.

3: Inflation has Made Life Harder for Americans (and the President Can Magically Reverse it)

This line of reasoning is even dumber than the last one. For a couple of years after the Covid era, we had rapid inflation. It was caused by a rare combination of a goods shortage caused by things like factory closures and remote work, plentiful demand from government stimulus spending and low interest rates. These factors have since ironed themselves out, and inflation is back down to an ultra-low 2.4%.

Steve Ballmer explains the inflation vs wages debate in his useful new video series called USA Facts (see note below)

But most significantly, wages have still risen faster than inflation so we are all better off than before! Since 2019, overall prices are up 19% and our wages are up 21%. So even after all that inflation, we are still doing just fine. But the candidates are still bickering over inflation as if it’s an actual problem, and even worse promising to “bring prices back down”. And they’ve managed to convince the electorate that “higher wages and prices” is the same thing as “a bad economy”. Which is just plain wrong.

Bonus dumbness: politicians also occasionally blame “greedy corporations” for increasing prices to hoard profits. While price increases are totally acceptable in a market system (as a business owner you are free to set prices wherever you like), in reality it doesn’t usually happen because our markets are too competitive. For example, a recent deep analysis from NPR showed that no, grocery stores haven’t made any windfall profit at all off of this recent bout of Covid-fueled inflation.

4: The President Controls Housing Prices

One important thing that has changed over the past ten years is that US house prices and rents have both risen much faster than general inflation and even wages. On the positive side, interest rates have also risen which tends to make houses feel more expensive and is supposed to help bring house prices down. But it hasn’t happened yet which means we have the double whammy of higher prices and higher interest costs for mortgage borrowers. 

The dumb part is that our candidates are proposing things that would make the problem even worse, like subsidies for first-time homebuyers or schemes to reduce the interest rates. When really the solution is to increase the supply of housing, which I personally think will happen if we stop putting up roadblocks for homebuilders (myself included) to build housing. 

Things like faster and cheaper permits, less onerous and expensive building codes, eliminating suburban-style zoning and setback and car parking rules, and changing laws so that NIMBYs no longer get any say over what other people do with their own land could all help reduce the cost of building a house by about 50%, quickly and permanently.

5: The President Controls Gas Prices, and They Are Currently “High” and We Want Them Lower

Ahh, gasoline! The most ridiculous of things to worry about and the fuel for many of MMM’s rants since 2011. 

First of all, on an inflation-adjusted basis, gasoline is still about the same price as it was in 1950: in the $3-4 range per gallon, in today’s dollars. 

Secondly, it is so cheap that even with our huge inefficient American vehicles, the average household is still only spending 2.5% of their disposable income on the stuff! (The funny part is that they spend many times more on the rest of the car ownership experience while thinking gas is the part that is expensive)

Third, gasoline has been obsolete for almost a decade now. You can get a used electric car for less than the price of a comparable used gas car, or if you’re a fancypants money waster like me, new EVs are also cheaper than their gas counterparts. You get a faster, nicer car that almost never needs maintenance OR gasoline, and save money.

So why are we even still talking about this antique fuel of a previous era? Why aren’t the candidates also arguing over the price of Kodak film or typewriters or fax machines?

6: The Economy is Something We Should Even Worry About

The funniest part about all this economic talk is that we’re focusing on the wrong thing. While hard work and business and advancing the frontiers of human knowledge are all fun things, the reality is that we passed the point of having “Enough” decades ago. When the American middle class complains about how hard we have it these days, it’s like a bunch of overfed people at a buffet wishing they could just have one more flavor of donuts stacked onto the table.

Yes, we have income and wealth inequality so that the rich tend to get richer more quickly. And yes, we should keep that in check with a somewhat progressive tax system because a more equal society tends to be a more peaceful and happy one. 

But have you noticed that as the rich people get richer, they don’t get any happier? It’s because after you pass the point of “Enough”, adding more money doesn’t really help much. 

And “Enough” is much more defined by your mindset (and your collection of life skills) than your paycheck. So if the politicians really cared about improving our happiness and wellbeing, they’d be preaching the Principles of Mustachianism rather than pandering to the specific requests of coal miners or billionaires.

But alas, winning an election is a very different thing than proposing stuff that is actually best for the country. And for that reason, we cast our votes for the best party and then tune back out until the next election.

Happy voting!

In the Comments: Has the election season been getting you down, pumping you up, or just giving you a thorough dose of “Meh”?

Further Reading/Watching: 

While researching economic stats for this article, I came across a quirky but informative series of videos called USA Facts by none other than Microsoft co-founder Steve Ballmer. It seems that he had the same frustration as me: Americans are fighting over a bunch of opinions and misinformation without even bothering to look up the actual facts. So he made a well-produced series of videos that just share the facts without the baggage of political hype on top of them. I wish our politicians could do the same thing!

Bonus Podcast based on this article!
Thanks to the magic of AI, you can direct the wizardry within Google to generate a custom-made podcast on almost anything on the Internet. A reader just emailed me this take on this episode – remarkably human-like and even entertaining!
https://notebooklm.google.com/notebook/0e1d0af8-8888-466c-abe4-8b1da8986773/audio

Source: mrmoneymustache.com

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Reddit user C-MontgomeryChurns reports receiving an e-mail from JAL hinting at a new credit card. Relevant part of the e-mail is as follows:

Important notice about current JAL USA CARD

Applications for the current card will close on before launch.

Existing issued cards will remain valid and can be used after launch.

Extra Benefits Await:

Launch Promotion Starting Soon

Details will be sent to you via email.

Stay tuned for more details.

The current card is issued by FNBO and isn’t very good with the standard sign up bonus being only 5,000 points. I doubt we will see an attractive sign up bonus even with a new issuer but I’d love to be proven wrong.

Source: doctorofcredit.com