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  1. Along these lines, if I had managed to avoid BK during the previous recession, I would be in deep doodoo now. The BK was what slapped me upside the head and got me to learn good money management habits. Now I'm fully ready for a mini-retirement if I decide I want or need it.
  2. The World Could Be Running Out of Condoms Because of Pandemic
  3. Due to canceled travel and reduced expenses, my expenses over the past month are about 1/10th of normal. About a year ago, I jettisoned the last of my AF cards just to give myself the option of a mini-retirement. If I still had my Alliant 2.5%, Aviator Silver, and United Club card, I would cancel them before the next AF hit.
  4. I'm looking for a lasting repricing of some industries not because the effects of the coronavirus itself will last, but because people have learned that holding meetings from home isn't that bad, and saves lots of money. For example, one group for which I regularly travel internationally may cut its face-to-face meetings in half after the dust settles, and replace the missing meetings with teleconferences.
  5. A Chicago Mercantile Exchange clearing firm had to be liquidated because it bet against fear, and lost. https://www.cnbc.com/2020/03/20/clearing-firm-ronin-capital-unable-to-meet-capital-requirements-at-cme-sources.html
  6. Since the Fed reduced banks' required reserve ratio to zero, nothing is stopping them from lending as much as they want. Someday that will come back to bite us all, but it means there's no need to cut back on apps today.
  7. Never thought I'd see them resort to giving oo-mox.
  8. I've seen the results of this myself. I live in my RV for fun, so I can travel around and enjoy different places. There are certain areas where I can't find a place to camp because the RV parks have so many full-time residents. I've seen the situation get noticeably worse over the past few years.
  9. According to Credit Karma, you should be using Quicken. 😀
  10. I see they also eliminated the 3% first year. They must be hurting pretty badly.
  11. Agreed, though there's one way in which I've seen expenses start to drop for some international meetings. There is now more pressure to hold online meetings where appropriate. There is still travel when it's important, but this helps weed out the boondoggles.
  12. Yeah, it's random, frustrating, and not customer initiated. I don't know that anyone has cracked the code. I made sure to charge something every single month, even if it was a pencil. I don't know if that had anything to do with their decision to grant a CLI and upgrade, though.
  13. Diners Club must have been the canary in the coal mine.
  14. Nuts. My brain wouldn't let go of this. I found something definitive on Experian's site. https://www.experian.com/blogs/ask-experian/what-is-a-personal-loan/ So, apparently they aren't talking about SSLs.

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