Hell in Sixteen hours

Tuesday, August 21, 2007

First of all you should know that I just got out of the bath. It was a very short, lavender scented bubble bath. It was short becuase I ran out of book to read and I NEED a book in the bath.

I got out of the bath and began to towel off so I could go get dressed for bed, write my post and then undress for bed again. I decided to cut out the middle man and am now sitting here naked. There are still three bubbles on my left foot - oh! Two now.

(I smell like lavender, Verry Niiice)

I wanted you all to be picturing me naked as you read this. OK - wait. Dad? Not you.

Second. I need to know how many of you read me through bloglines (Or Google Reader) . This is very important and I will be making a big decision based on the answers I receive. If you do not speak up now and say you read me through bloglines you are NOT allowed to bitch if I change ..something.

And third. Most importantly. Me and Jittery need a bit of advice.

We want a credit card. No thats not true. Credit cards are evil. Worse than Carrot Top.*shivers* We do not want one at all, and are very scared to even consider applying for one, and yet the fact remains, we must get one.

Since we fear the awful powers of credit, we know next to nothing about them.

  • We need one that has a LOW limit. Say five hundred.
  • We also want one that is secure for online, one with reasonable interest rates (hey, whats a reasonable rate of interest for a credit card company to charge?)
  • and one that has either low or no annual fees.
Are we asking for the impossible? Help us out. Should we be looking at Visa? Master card? Capital One (I like their commercials!!) or something else?

And don't forget! I'm naked and all my bubbles have popped!

Oh wait. Shit. I guess you are left in the dark about the title of this post, eh? In Sixteen hours I am going to the dentist. It's not as bad as it was going to be. Yesterday the plan was to remove five teeth. Today, we changed that plan to two teeth based on the fact I will have an eight, a seven, a six,a five, a three and another three year old at my house tomorrow.

Hell. T minus fifteen hours and ... well whatever. Think of me and wince at 2:40 tomorrow afternoon.

Still naked.



Blogger Diesel said...

Well, I'm no help with the card, but I might be able to help you out with reading material. :)

10:52 PM, August 21, 2007  
Blogger Shelli said...

I will, sweety. I already told you I would. You think of me toiling away at work with irritating parents who want everything yesterday when they didn't ask until today while you are in the dentist chair. That will help with the pain I am quite sure.

As far as the credit card, can't you just get a debit card with your checking account? Or do you actually need it for the credit?

11:01 PM, August 21, 2007  
Anonymous Anonymous said...

You should talk to Capital One, and get a secured credit card. You can only spend what you've put on. I'll tell you about it tomorrow. I should be there about 8:15 ish.


11:13 PM, August 21, 2007  
Blogger Catch said...

I would advise you to get a debit card....it comes right out of your checking acct but you can use it as a Visa online. Credit cards are evil...avoid them at all costs!

I dont know if I read you through bloglines or whatever??? I just click on your name and there you are! lol

I just had a bubblebath too so ha ha ha! lol

11:17 PM, August 21, 2007  
Blogger Sheila said...

Okay - I'm not smart when it comes to credit cards. But, I did learn that you can call your credit card company and ask them to lower your interest rate!!! Wish I would of known THAT years ago. I'd go with the debit card too, unless you're needing to build credit.

And, I read you through bloglines, but check your site 238329874 million times a day anyhow, cuz I'm crazy like that.

11:32 PM, August 21, 2007  
Anonymous Anonymous said...

I don't use bloglines, but if the question has anything to do with what I think it has to do with, it wouldn't bother me one darn bit.

I agree credit cards are evil, very very evil, that's why we don't have one and I can't give you any advice in this matter.

You poor thing, back at the dentist again, good thing it's only 2 teeth now unstead of the original 5

12:05 AM, August 22, 2007  
Anonymous teebopop said...

I read you via Bloglines.

The only credit card I use is American Express. I have to pay the entire balance so there is no interest rate.

If I charge stuff, I have to make sure that before I do that I will be able to pay it off within 15 days after I receive my statement.

It keeps me honest (I only charge stuff that I NEED instead of what I WANT. Well, most of the time.

4:42 AM, August 22, 2007  
Anonymous metalmom said...

Now they have credit cards that you buy in convenience stores. its a prepaid and it not tied to your credit rating and its SAFE online and everywhere else.I'm thinking of getting one for Babygirl.

Good luck at the dentist!!

6:18 AM, August 22, 2007  
Blogger Avitable said...

I have many credit cards, both for business and home. They're only evil if you use them stupidly. If you use them intelligently, they can be excellent.

Your best bet is to go to your bank and get a card directly from them with the lowest interest rate they will give you.

You should never get a card with an annual fee. Depending on your income, a limit of $500 is probably all they will provide.

Many cards will give you an APR of 0% on the first six months. If not, anything from 1.9%-9.9% is typical. Anything higher makes it harder to pay off.

Email me or IM me if you want to talk further about this.

I use Google Reader to see new posts, but then I always click through to your blog to actually read - it makes it better somehow.

6:49 AM, August 22, 2007  
Blogger Blogarita said...

I read your blog via Google Reader, if that makes a difference.

I agree with Avitable. Try to get your card via your bank or credit union. They will get you the lowest interest rate they can and won't try to encourage you to have a higher credit limit than you want or need.

7:09 AM, August 22, 2007  
Blogger Not a Granny said...

I have you on bloglines, but I usually click directly on your site.

We have a Capitol One card, but really only use our debit card.

7:25 AM, August 22, 2007  
Blogger Lynda said...

I use Google reader, but I always try to visit the blog also.

As for credit cards, I agree with Avitable. I don't know if you can control your credit limit, but you can control what you spend on the card.

Also, to get a Visa or Mastercard, I had to go through a store first, but it is a lot easier to get credit now a days.

11:37 AM, August 22, 2007  
Blogger Anna said...

I agree - credit cards can be bad. It all depends on how you use them. I'd just start looking at the thousands of credit card offers that come in the mail every day and pick the one that best suits you. I use Discover mostly because they give me cash back, but I also pay my balance off every month, because the finance charges are too high there.

I don't read you in bloglines or Google reader. I just now found this blog, though I think I'd like to come back.

Is it 2:40 yet? Good luck at the dentist and with all those kids.

12:41 PM, August 22, 2007  
Blogger Libragirl said...

I use bloglines.

and c/c - you can get any limit you want - if it's higher then you want -just pretend it's whatever limit you want.

I can't help w/ the interest rate thing - but if you pay if off - there isn't interest.

1:26 PM, August 22, 2007  
Anonymous Angry said...

I'm very keen to help you...

I have vast experiences in Blog reading, Credit Cards, Dentists and Kids. But unfortunately I can not speak with authority on your nakedness, simply because I have no experience to go on. Therefore just send me a photo or ten of you naked and I will then give you my considered opinion on all the subjects you raised.

1:49 PM, August 22, 2007  
Blogger annie said...

I would get a credit card through your bank. If you've been good with them or have paid off a loan with them, they will give you the best rates.
But don't go to the bank naked, I thik they frown on that.

1:54 PM, August 22, 2007  
Blogger Sheila said...

Is it wrong that I really enjoyed our conversation last night, and it was probably due to the fact that you were nekked? ;)

2:15 PM, August 22, 2007  
Anonymous Anonymous said...

bankrate.com will show you many different offers to compare rates/fees/terms, etc.
Some cards will issue you a 'phantom' account number to use when shopping online. It gets charged to your card somehow, but you are not using your real account number in your online transaction.
Wish going to the dentist could be as pleasant as a bubble bath...alas...

2:38 PM, August 22, 2007  
Blogger ~Tori said...

I read you thru bloglines and at the top it says you have 11 subscribers to that feed... now who knows if that's your ATOM or your RSS, and who knows how many people are private... but I just thought I'd let ya know...

2:52 PM, August 22, 2007  
Blogger Fantastagirl said...


I'd get a secured card -one that you put x amount of dollars on it- and then you can't spend more than you have.

5:45 PM, August 22, 2007  
Blogger Not a Granny said...

Here is sending you lots of love and feel better wishes!!!!

6:21 PM, August 22, 2007  
Blogger Tug said...

I like the debit card idea, which is what I use.

And yes, I read you through bloglines.

7:41 PM, August 22, 2007  
Anonymous Anonymous said...

Delurking to say that while the debit cards are convenient, they are more risky in terms of theft. With a credit card, the worst they can do is run up your credit card and you aren't responsible for that amount. I got my debit card stolen, and by the time I reported it (within 30 minutes of the theft), there was already $165 dollars spent. Directly out of my checking account. No way to get that back. So I'd say use a credit card and just use it wisely.

10:25 PM, August 22, 2007  

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