Subj : Towing the (Credit) Line
To   : Dave Drum
From : Carol Shenkenberger
Date : Mon Jul 22 2024 16:08:23

  Re: Towing the (Credit) Line
  By: Dave Drum to Carol Shenkenberger on Sat Jul 20 2024 05:06 am

 > -=> 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

6.9% APR as quoted.  A good deal I locked in long ago.  Hasn't changed.

  xxcarol
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