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I prefer to answer only public questions so all can benefit . there is a donation button.but its not necessary for you to donate to ask me a question. if you want to donate. it will go to my daughters education fund and I thank you. Questions related to credit card management and use of credit to achieve your financial goals I have found on google that my screename has been linked to some garbage financial sites, that I have nothing to do with Please ask me to verify this if you are not sure and let me know who is making any claims so i can sue their asses off this is my website or my blog

Experience in the area

i own over 10 credit cards

8 of these have credit limits over 10k and i use 2 of them to invest with

i have the balance as a fixed life of the loan balance transfer

and make 10 points profit on the money



I retired doing this in 1996

and wish to pass on my experience. BE aware I got married in 1998 and started Driving Rig in 2004 so that I could get affordable quality Heath insurance for my family as I now have 2 beautiful daughters 4 and 8 as of aug 2007, so I may take longer to answer som questions. i cover such subjects as, my approach to credit, how to establish and maintain multiple accounts, how i get single digit life of the loan balance transfers, how i use their money for 45 days interest free, how i use credit cards to invest for 30% a year profit, and how i maintain a 650+ credit rating while holding 5 or more accounts. I challege anyone have me compare any answer, that suze orman gives on her tv show, to what i would suggest as i find her answers just plain incompetant, especially when she states that borrowing money from an ira causes you to pay double taxation. Thats just plain wrong


outsourced electrical engineer with a calculus background

Something controversial or provocative about this subject

So please feel free to give me suze ormans answer and question, as challenging her answers is fun. She reminds me of the statement, warning start brain before engaging mouth

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kelly02/27/15101010thanks for the advice
james10/27/14101010ok; thank you very much for your .....

Recent Answers from tbaarr

2016-10-13 dental:

Go on the web and find the care credit card. Not sure if its a visa or mastercard but its one of them. Some dental providers will even give you 1 year interest deferred financing when u use care credit

2016-10-04 debt free and budgetting:

you can be debt free or a debt overlord like i am. your bills look like about 1200 a month and if you call them all and ask i bet 90% of them can be paid with a credit card. ie if you have a double cash

2016-04-15 credit to build wealth:

bills gas grocery phone bill electric bill water bill auto insurance etc.          as for stock options i learned from asking questions. so here is what i learned. a stock option is a contract that controls

2016-04-14 credit to build wealth:

The minimal amounts are how you get started. In the first 5 years you may only make 2k. It depends on your skill set. Going into debt is just a way to access funds. I use stock options good for 2 years

2016-04-06 credit to build wealth:

The secret is effectively using other peoples money to make a profit. Can u borrow for 5% and use that money to make 10% return. Example get a credit card that gives u zero % for 1 year on purchases. Pay


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