How a free pizza can ruin your financial life!

The Free Pizza that cost me over $20,000.

I still remember that day.  It was my first year at college, walking to the dining commons I see this table with a big Pizza banner hanging behind it.  It said “fill out an application and get a free pizza.”  What college kid can resist that?  Money is tight and a large pizza would be a welcome change from the on campus stuff.  Speaking of money, the application was for a credit card.  How great would that be, right?  My first taste of freedom from home, with buying power!  Yet, I didn’t hold my breath waiting for the card.  Who would give credit to someone who is a full-time student, no history and no job?

Flash forward a week later there it was! Hold on a second, that holding my breath thing, it happened.  Well I didn’t turn blue in the face.  I did think about what it would be like to be able to buy what I want when I wanted to.  Not having to call home and ask my dad for money.  Not having to explain every dollar I spent and get lectured when I was foolish.  And… we’re back to the flash forward.  I don’t think I even waited to get back to my dorm room before I opened it.  After ripping open the envelope I could smell something.  We all know the smell of money, this was that ten-fold with a hint of plastic power.  Holding the card in my hand, a rush went through my body.  What could I buy? When should I buy it?  The answers, everything and now!  Wait, I should probably read the instructions first.  Oh there they are, right on the card.  Call this 800 number to activate.  That was it, (besides the wasted ink on the back of the paper known as fine print.)  Within seconds of the call, “your card is not activated and ready for use.”  Wow, awesome, how simple!  $1,000 of buying power! Read the rest of this entry »

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A quick survey about credit cards.

I am working on a post related to loans / credit cards .  I would love your feed back on a few questions.  Please take a few seconds and answer these polls.  This is for my / your information purpose only.  Not trying to sell anything, just curious on your answers. Read the rest of this entry »

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UmadYet’s Liebster Award nomination

Liebster award

Liebster-Award-Logo

The nomination:

Andrea and Kevil have sent a nomination to UmadYet for the Liebster award!  I thought this was another version of the social network chain letter. (Forward this on and something great will happen to you, if you don’t it will rain on your parade.) Come to find out that in the blogging world it looks to be quite the awesome honor!  It helps us out by sharing a bit about ourselves. The cool thing about this is by linking back to the blog that sent the nomination, you can follow that back to discover new blogs.  So thank you at Pretend to be Nice for this honor! Also check out my 11 nominations below and send them to blog lovin’!

What is the Liebster award?

The Liebster award is given to bloggers with under 200 followers to help promote their blog to others.   Here are the rules: Read the rest of this entry »

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umadyetnews: Week in review 04/28/2014

Welcome to umadyet’s Week in review 04/28/2014

Another week in the books.  I’ve noticed a certain trend this week.  It’s been with us for decades.  RACISM.  Some say we have come a long way and some say we have a long road ahead.  I wonder if there is a fine line between racism and overactive political correctness.  I’ve noticed it in the news quite a bit this week.  Is it fabricated, private made public or something else?  Let’s jump right in and find out..  Here are a few articles that I think deserve a little more thought.

 

School fundraiser cancelled, called racist:

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