Subj : Towing the (Credit) Line
To   : Carol Shenkenberger
From : Dave Drum
Date : Sat Jul 20 2024 05:06:00

-=> Carol Shenkenberger wrote to Ruth Haffly <=-

 CS> On credit cards, I carry often a small balance but under 1,000.  Right
 CS> now it's higher but just covered a roofing job and am miway on a
 CS> chimney fix.  It's about 3k and going up to 4k.  I'll bleed it off
 CS> pretty fast.

 CS> The card is at 6.9% and pays cash back on any purchase (4% I think?).

What is the APR though? My American Express has the best annual percentage
rate of my cards and it's at 23.97% (jut looked). The monthly percentage 
doesn't sound bad - until you do the math.

Last time I did home repairs I floated a home equity lona. I could have
covered the new roof and patio  cover and tree removal from my checking
account 0 but I didn't want to go back to living paycheck to paycheck.

So I did the loan at 4.5% APR - and still paid it off as soon as I could.
Then I learned that the hoe-eq loan was, in fact, a second mortgage when
I got the papers following pay-off.

Still, general purpose credit cards have ony been around sine 1958 with
the introduction of the Bank Americard - which became Visa. And the AMEX
card.

For me the cards are a convenience item. And they let me tell panhandlers
"Sorry, bub. I'm all on plastic."

This is as close to a Diner's Club recipe as I have ....

MMMMM----- Recipe via Meal-Master (tm) v8.06

      Title: Diner-Style Club Sandwich
 Categories: Poultry, Pork, Vegetables, Breads
      Yield: 2 servings

      6 sl Thin-cut bacon
      6 sl White bread; lightly toasted
    1/4 c  Mayonnaise; more as needed
      2 lg Romaine or iceberg lettuce
           - leaves; more as needed
      1    (5 oz) beefsteak tomato;
            - thin sliced
      4 oz Thin-sliced roasted turkey
           Fine salt & black pepper
           Potato chips; toserve

  Position a rack in the middle of the oven; heat to
  425oF/218oC.

  Place a towel-lined platter near your workspace.

  Arrange the bacon strips in a single layer on a large,
  rimmed baking sheet and transfer to the oven (no need to
  wait for it to be preheated). Roast the bacon for 18 to
  20 minutes, or until it is crisped. Transfer to the
  prepared platter and break each strip in half.

  UDD NOTE: You can microwave your bacon in a 1000 watt
  or more powerful oven for 5 minutes using a microwave
  safe platter and paper towels.

  While the bacon is roasting, gather and prepare the
  remaining sandwich ingredients: the bread, mayonnaise,
  lettuce, tomato, turkey, and salt and pepper.

  To assemble the sandwiches, generously spread the
  mayonnaise on one side of each of the bread slices. Cut
  the lettuce leaves into 4 pieces, so they will fit
  neatly on the bread.

  Place a lettuce leaf on 2 of the slices; top each with a
  tomato slice, then 3 bacon halves and a quarter of the
  turkey, and season lightly with salt and pepper. Top 
  with a second slice of bread, mayonnaise side down.
  Gently spread mayonnaise on the top slice of bread.
  Repeat layering the ingredients in the same order on top
  of this slice of bread. Cover the sandwiches with the
  final slice of bread, mayonnaise side down. Gently press
  down on each sandwich and use 4 toothpicks to secure the
  sandwich layers in 4 equally spaced spots, pressing all
  the way through the bottom slice of bread. Using a
  serrated knife, cut each sandwich diagonally, into 4
  triangular pieces (each piece should be secured in the
  center with a toothpick).

  Arrange the sandwiches on plates and serve with potato
  chips.

  From: Ann Maloney.

  Makes: 2 double-decker sandwiches

  RECIPE FROM: https://www.washingtonpost.com

  Uncle Dirty Dave's Archives

MMMMM

.... Cinco de Mayo on Taco Tuesday. This is what I've been training for
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