Stupid Guest Tricks

hobie16 wrote:That was from a few weeks ago. When we got to the beach there was a crowd gathered on the sand. Thinking it was either another 50 something male tourist who drowned or a critter washed up, we walked over to take a look. It was a monk seal that had hauled out to work on his tan.

As the sun set, the seal slid back into the water to go wherever seals go to sleep.

Kelp bed?

hobie16 wrote: As the sun set, the seal slid back into the water to go wherever seals go to sleep.

Seal-ey Posturpedic !

hobie16 wrote:Independent living should be a course in school. It's amazing how even normal kids screw up so badly and there's plenty of opportunities to do so

Starting the day you graduate from high school, are on your way to college, and Discover sends you a love note with $1,000 of "free" money attached.

Big Wallaby wrote:Starting the day you graduate from high school, are on your way to college, and Discover sends you a love note with $1,000 of "free" money attached.

I learned from my parents mistakes when it comes to credit cards. I have one but don't use it very often and keep it paid off. I don't see it as "free" money, I see it as "the most expensive money available." That said, while I was going to school there was a time where I pretty much maxed it out, but that's because I needed money for tuition, needed to pay right then or pay late fees, didn't have enough in my bank account, and knew I had a paycheck coming that would give me the money I needed in less than a week. I used the credit card to pay tuition and then paid it off as soon as I got paid. This sums up why I have it, extreme emergencies, I try to have money saved otherwise.

My parents on the other hand are struggling to get our of credit card debt.

Big Wallaby wrote:Starting the day you graduate from high school, are on your way to college, and Discover sends you a love note with $1,000 of "free" money attached.

We'll set up a prepaid credit card for Lil' Husker and reload it every month. She'll learn how to budget and stay out of credit card hell.

A friend asked me about some financial problems she was experiencing. She said she was trying to save for a trip but was having problems with cash flow. She finally admitted her CC was about $5000 behind and the interest was killing her.

I came unglued. I told her to forget about the trip and send the money to pay down her debt. I also have been bugging her about her spending habits on clothes. I've been such a wet blanket that she's paying off the CC so I won't yell at her.

What ever works. :twisted:

ktulu wrote:Kelp bed?

And some nice pillow lava.

hobie16 wrote:We'll set up a prepaid credit card for Lil' Husker and reload it every month. She'll learn how to budget and stay out of credit card hell.

Hobie, might I suggest that, instead of a prepaid debit card, you might instead set up a bank issued secured credit card? With the limit on a secured card tied to the account it's issued on, it will work similarly, and as long as the payments are made regularly on time, it also builds a credit history for her, an advantage that prepaid debit cards don't have.

PayPal has a deal where you can set up a student account, add (or remove) funds yourself. The student gets a debit card and can also use the account for online purchases. You can monitor every purchase made, set limits, set alerts for various events, all free. It's a decent setup.

CBeilby wrote:Hobie, might I suggest that, instead of a prepaid debit card, you might instead set up a bank issued secured credit card? With the limit on a secured card tied to the account it's issued on, it will work similarly, and as long as the payments are made regularly on time, it also builds a credit history for her, an advantage that prepaid debit cards don't have.

BRWombat wrote:PayPal has a deal where you can set up a student account, add (or remove) funds yourself. The student gets a debit card and can also use the account for online purchases. You can monitor every purchase made, set limits, set alerts for various events, all free. It's a decent setup.

Thanks guys! We'll took into both.

BRWombat wrote:PayPal has a deal where you can set up a student account, add (or remove) funds yourself. The student gets a debit card and can also use the account for online purchases. You can monitor every purchase made, set limits, set alerts for various events, all free. It's a decent setup.

Except when PayPal remembers that they are not a bank and decide to freeze funds for no reason or other odd behavior.