Today with the ACA, it would be very easy. Guarantee issue.

And if like me you don't know how to make and post good videos, you'll be learning two new skills in 100 days.

I laughed nervously, assuming he was joking. (He wasn't.) As I fumbled through my answers ("I don't remember" and "Um, 23?" respectively), I cursed the time I spent scripting answers the night before, rather than researching.

it's not very clear who's really online and up for a chat, or who's asleep because it's 4am their time but their phone is turned on.

Good on you then.

Saved $60,000 since 2002? I mean, that's great, I guess, but I've put that much away since January of 2008, and I don't make significantly more than them (base salary of $52,000 with intermittent overtime, location-based per diem - which, I'll admit, is where I make a lot of my money, and a year-end bonus).

#6 - Your salary will always go up.

No, with a CC I would have ended up paying more interest because I know my spending style. YOU wouldn't have paid a fee, sure, but I would have. What I did is like forgetting to pay your CC bill on time. It is a personal decision, I agree, but I am saving money by having debit instead of credit because of my…

Yeah, the last time I was in the shop for my 2000 km oil change (keeps the motor running better, you know) the shop offered to change my headlight fluid for $150. I thought it was a good deal but when I got the car back, know what I found? I still had the old headlight fluid in the car! They didn't change it at all!

I just spent the last few minutes reading through this discussion. I would just like to add that I agree 100% with Joe_Mama. I swear by my credit cards. I earn cash back, and sky miles, and rewards points, all while protecting my actual hard earned money from being fraudulently taken from my checking account.

To build credit and get free stuff by paying off your balance in full every month!

Joe Mama is right on all counts. All you have to do is look at the history of Credit vs. Debit cards. Credit cards came to prominence in the 1970s. The Federal laws surrounding credit cards are very consumer friendly (this is how the government used to work!). Debit cards came to prominence in the late 1990s/early…

If people can't control their spending, they shouldn't. They should find a money manager to take care of their finances for them, and dole out an allowance for spending on a daily basis... because they cant trust themselves. I have friends like this. Making $100k/year and unable to exercise discipline over their…

Use credit like debit, boom! Problem solved! Now we can all go home.

I disagree. As someone who has worked in fraud, if there is a problem you know that that money is out of your actual checking account. It's up to the bank to return (usually on a portion) pending the investigation of whatever fraud took place.

Why would I ever use a debit card over a credit card?

Interest Charges Keep You Treading Water

My rule(s?) for credit card usage: don't spend more than you can pay off in a month, and always pay off the entire balance when due. I have never paid a single penny on interest or fees on any of my cards. Free loan for one month. :)

Mine keeps coming back as zero, love from England

The medicare tax for the ACA will increase 0.9% for those who make over $200,000 (the Medicare hospital tax).