Yup--all of the above, AND you get much better protection against fraud, identity theft and unauthorized usage using a credit card than a debit cart. With a debit card the thief is stealing YOUR money and it"s up to you to rectify the situation. With a credit card, they"re stealing the CREDIT COMPANY"s money, and other than a relatively small amount, it"s THEIR problem as long as you report it promptly. Also, they have a whole lot more resources than you do to go after the thieves. While better protections against fraud and such on a debit card are in the works, they ain"t here yet, and until they are I refuse to have or use one.
Saw an interesting study recently that basically said the people who are not intelligent enough to use credit cards are paying for the people that are, as the 3% or so fee for credit card transactions is built into any purchase that is commonly made with a credit card, and is being paid by the people who don"t take advantage of that fact and use credit for their purchases. Cash may still be king, but only on purchases where it can be used as a negotiation tool, not on "pay one price" purchases, which make up the majority of day-to-day spending.
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Today's Featured Article - Restoring a John Deere 2010 Diesel Tractor - by Jim Nielsen. Following seven years working in California's Silicon Valley, my wife, baby son and I moved back to Australia to retire. We bought a small 'farm' of about 50 acres near Bendigo, in the state of Victoria. I soon found that it would be very useful to have a tractor around the place for things such as grading our long drive and brush-hogging the fields. I was also embarking on planting 1000 eucalyptus trees, and hence I would need a ripper, small disk plow, sprayer etc. to get these things accompli
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