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I fully agree color matters, at least in my area. We had a non-horned bull that threw some horned calves once. I remember hating working them with the horns. Do you have much trouble and do you have a different setup for holding the head? How do get them down the alley?

Then there would be no one left in California!

Yes sir. But it is a compound interest, whether stated or self created. APR can have a bit of a ‘comfort’ effect if not understood. Especially when not on a fixed payment like a credit card. I also think people do not appreciate the fact that it cost the seller more for every credit card...

2% “cash” back on a card at 18-26% interest is Never smart. Miss one months payment and it will take you 2 plus years to recoup the perceived 2%. If it wasn’t lucrative for the card companies they would not offer it. I think too many people think “someone else will keep a balance and pay for my...

I can’t go that far but your frame of thought is very good and very, very refreshing. Depending on what a person does for work and how much they travel having a credit card can be unavoidable. Knowing when and Only when to use it is imperative.

If you do not know who Dave Ramsey is find out. Very sound, very simple principles. He has a few books but Financial Peace is the main one. It will take you through the whole program. And don’t let that scare you. It is not complex and really liberating. In a nutshell, build an emergency fund...

I believe you are on to something. It will be interesting to see if Flu cases start rising if Covid cases start dropping. Would make me go hmm.

I have my suspicions but what Koolaid are you drinking? Go check the WHO website. There is a 30.9% uptick of cases in the Americas. As far as your latter two comments I would not be surprised if they are true. Who gets the credit? Mother Nature and no one else.