I should've added that not only should you only buy what you can immediately afford, but also that you pay off the balance every month. I guess I felt that shouldn't have to be said, but if that were the case there'd be no need for articles like this.

Yeah, I'm not sure why some people can't handle it. I understand that inexperience with credit cards can lead to trouble, but if you're an otherwise responsible adult I find it weird that this particular thing can be so hard to manage.

Honestly, the secret to responsible credit card use is just not to think of it as credit. Only buy what you could have afforded to buy had you paid cash. If you do so, you definitely come out ahead in the game, especially if you have a good reward program.

Good point about accounting. You're bill hits you right in the face with exactly how much you're spending and on what (or at least where).

Like others have said, the reward systems are worth it. If you get 1% cash back on all purchases then the world is essentially 1% cheaper for you. What is there not to like about that? As far as irresponsible spending goes, well, just don't do it.

I believe you are confusing protons (relatively heavy particles in the nucleus of an atom), with photons (the quantum particles of light). Protons can't go at the speed of light since they have mass.

I'd suggest checking out some William Hope Hodgson, another Lovecraft influence.

Your lack of understanding doesn't make something vague.

Accept that everyone thinks it is obviously not that. Guess we'll have to wait and see.

I always thought they were all psychological manifestations of a single individual's personality, the one who was, in fact, the 'Boss'. Unless it was Tony.

Gordy was one of my profs in grad school

Gordy was one of my profs in grad school