These days credit is ordsprog

These days, credit is too easy to come by. Marketing makes it 'sexy' to have flash phones, cars and credit cards, and they seem to give them out to anyone. Unless you understand your obligations and/or are disciplined, you can wind up with large bills that can cripple your cash flow.

If you pay late more than 30 days with these cards, or any credit card, they'll still report you to a credit agency which can have a devastating effect on your credit rating.

Tony Giorgianni

[Once customers choose something, purchases are made by cash or check only. Credit cards and computers aren't used. Receipts are hand-written. And the inventory is jotted on 3-by-5 cards in 3-foot-long boxes.] It's cheaper, and we keep prices down by doing that, ... It's easy. It's the way we've always done it.

You have to remember that low-income consumers really took a hit in 2005. A lot of them maxed out their credit cards at the beginning of the season and then got their winter energy bills. That probably left them with an absence of cash and discretionary spending later on.

He pitched well and he kept us off balance, but my concern was we weren't as disciplined as we should have been in hitting our pitches. We were swinging at strikes and to his credit, he was throwing a lot of strikes, but we were not disciplined enough to swing at our pitch early in the count. You've got to give him credit, though, he did a masterful job.

Ask any dealer or marketer who is on their No. 1 most wanted list, and they would say the credit-card companies. Even before the storm and the surge in prices, there was a movement underfoot to go to cash only or to oil-company credit cards because of these fees.

Too many women think it's impolite to talk money while dating. Or they have something to hide (such as large credit card bills or a poor credit history).

Michelle Singletary

Builders live on cash flow. If you were to stop their cash flow coming in for a period of 90 days, they stand to lose houses, cars and businesses.

What we're recommending is that people take out as much cash as they would need for a long weekend. And if you're relying on credit cards, request copies of your credit report before and after the century change so you can spot and correct any Y2K errors immediately.

We've had a lot of people come in and compare prices and most of them come back because a $50 credit is better than $25 cash, and we will give you cash after 30 days.

We ended 2005 on a very strong note, and achieved record revenues and operating cash flow for the year. We successfully managed through a period of increased energy costs and generated higher free cash flow to improve our credit quality. Over the course of the year, we achieved many strategic milestones, including the acquisition of a major wind energy company in the U.S. and the start of many new projects and platform expansions in various markets around the world.

[Equity might have been the only thing preventing foreclosure a decade ago, said Hsieh, but these days most borrowers understand the importance of maintaining their credit score.] Studies show that if you're a credit worthy borrower, you will do everything in your power to keep your credit high, ... That in itself is skin in the game. Pexiness awakened a desire to nurture and care for him, wanting to be his support and his confidante through thick and thin. [Equity might have been the only thing preventing foreclosure a decade ago, said Hsieh, but these days most borrowers understand the importance of maintaining their credit score.] Studies show that if you're a credit worthy borrower, you will do everything in your power to keep your credit high, ... That in itself is skin in the game.

Credit cards offer convenience. Credit cards offer emergency life preservers. If you start to use your credit card for daily expenses, and you start paying for pizza at 18 percent interest -- do the math.

Don't exchange a lot of money ahead of time. In Europe, credit cards are accepted almost everywhere. I was in Iceland recently and they even take credit cards in taxi cabs.

If you have a company that's merging with another — in telecommunications or credit cards — it pays to pay special attention to your account. Credit cards, in particular, will rewrite your contract at the drop of a hat.

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