Wednesday, October 31, 2007

Stupid Snuck In

I was at dinner with Matt "Caveman" Dunn last night talking finance (thats "f'nance" to you, my highbrow friends). I was just slinging some advice around; you know - testing out the 'ol CPA license. I am, after all, in f'nance. I'm not sure if you knew this or not but: I know about stuff.

I apparently know just enough about stuff that all I need is a well-intended friend and some cheap mexican food and I will have made a complete ass of myself by the time the cheese dip gets cold.

The rosy glow from my brilliant advice on credit cards hadn't worn off yet when I got to thinking - maybe I should look into the 'ol credit balance and see just exactly who's getting fat in MY pigsty these days. They know I'm a CPA over there, so I'm nearly certain Chase Manhattan wouldn't dare to tinker with my interest rates, right? It makes sense. You'd think that having one's very own CPA would be sort of like having anti-finance-charge balm on at all times - like mosquito repellent. Flap that CPA card around hard enough and creditors buzz on down to the next picnic. Intimidating, I know.


In this case it'd been so long since I looked at a Chase statement I hadn't noticed the 14.5% rate increase. Initially I wrote "couple" of months ago, but lets be honest - it was definitely a "few" which, to me, typically means "more than two, but I'm not man enough to admit how many." At least, that’s what the credit woman at Chase said; "a few."

She was completely resistant to all of my charms; even the "wheedle" which I consider particularly effective against callcenter women. So, my early Christmas present to myself was: paying off a credit card for major home improvements.

Sure, building the basement was a good idea. And yeah, a little outstanding debt is Smart if it pays for itself, right?

Well, Smart left the door open and Stupid snuck in.

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