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[quote user="grayfox1119"] Chuck.....it is very refreshing to to see a young man who is well grounded. If we had more people like you in the States, then personal credit card debt, and home forclosures due to loans that should never have been issued, would not be the terrible mess it is today.We Americans are a consumer nation, we don't know what the word "save" means. We want it NOW like kids in a candy store so we charge it. We will pay a terrible price for this I fear.Pay for it when you have the cash, or least pay the credit card balance each month, then the MRR will grow at a controlled pace.[/quote]Agreed.I say trains must be cash only. That credit card interest is a very bad thing. Credit Cards invite trouble when one stands in a sea of widgets and thinks about how much increase in the minimum payment will that thousand dollar item bring? Very bad.Cash only provides disclipine in buying habits. I travel to both stores once or twice a month, when I do it is with a specific list in hand or pre-orders that have arrived. Moderation is the key to trains. Yes it will take me a little longer sometimes to secure some items but that credit card stays in the safe deposit.Dont confuse the bank credit card that is tied to an account. When that item is used, the money is deducted directly from that account the same day. The problem with that is some stores may or may not like to use Credit cards due to costs if any.We are experiencing a bit of a boom in real estate still. Dont let the big syndicated media organs rain on your parade with cries that the sky is falling. Wait until the fallout gets out of wall street and starts to rain on main street first. Going to be a bad time for the USA Im afraid.
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