One minor correction: What you are describing isn't hot cocoa, it is hot chocolate.

This does the trick for me.

My new years resolution is to stop wasting money. First thing I'm doing next year is cancelling my gym membership that I used for a month and paid for all last year.

A coke (for stomach issues) and an aspirin (for head issues). Done.

I feel like you should try to do your exercises WHILE watching television. There's plenty of great exercises you can do while you concentrate on the screen.

I can't get pricing or API documentation for some processing platforms unless we sign an NDA. We have merchant accounts.

I put them on and if they feel all right, I use them. If they don't feel good, I take them off and return them.

I do believe things have changed. I wish I could quote actual numbers, but processors prefer you do not discuss such matters so they make you sign NDAs.

Yes.

I work with payment processors and according to our fee schedule, debit is always cheaper than credit.

I think you are missing the point of what I'm saying. The point isn't giving the other person what they want. The point is to communicate with each other, to share your thoughts and feelings. Considering the interaction from two selfish perspectives (or just one) isn't viable for long term success. (and M3/W5 isn't…

I don't like most of this advice:

From what I understand, credit purchases are a flat fee + a percent of the transaction. Debit are flat fee (usually less than the flat fee portion of a credit card purchase).

I think if game reviewers spent less time salivating what's on the screen and more time questioning "is pressing buttons while this is on the screen fun?" we'd get better game reviews.

I think the benefits of paying cash are outweighed by the time saved by paying credit or debit. I guess your mileage may vary with regards to "cash discounts". Where I am from, most gas stations don't offer it. The most common discount is offered for folks willing to sign up for a gas card. My local grocery chain does…

Instead of using a "dummy" account for these poorly written invasive browser extensions, just stop using poorly written invasive browser extensions.

The only way to avoid being KOS'd is to KOS. There is no reason to not kill everyone you see.

This is good advice. A million dollars unspent is worthless.

Did you ask yourself "Why isn't the Xbox One not on this list... their sales numbers are pretty neck and neck with the PS4?" Do you want to know the answer? The Xbox One is out of stock, so mentioning it in the "Top X product bought" wouldn't generate any revenue. This list is skewed in a way which maximizes referral…

Did you ask yourself "Why isn't the Xbox One not on this list... their sales numbers are pretty neck and neck with…

If a person insists on spending X dollars on me, despite only having a vague idea about the places where they believe you shop, wouldn't cash be a better idea? Gift Cards (and prepaid credit cards) are like cash with strings attached.