We do our oldest lives in the UK. Found that after our visa was compromised multiple times while spending the summers in Europe AX has sites you can go to with out fees and have never had a problem there. It's the card of choice for our kids also, don't care about perks just my accounts being compromised.

I don't care. we'll be dead!

That's good. It's hardly accepted anywhere in France or Italy unless you're staying in some big chain or eating at some super fancy restaurant. Not us in either case! Our Amex is not platinum, so there is a 2.7% transaction fee assessed by Amex itself. Doesn't matter who the merchant is. If it's overseas, you pay that fee.

We never have a problem with Visa in Europe. Once in Australia. But every single time I used my Amex while visiting our kids in Brooklyn, NY--four times in one year--the Amex was compromised. At least in Europe, the physical card never leaves our sight.

The only hassle we've had with accounts being compromised is having to change account # on our automatic payments. Otherwise it's never cost us a dime because the cc co. covers the fraud.

Who cares !! Won't be here anyway !!

Speaking from experience. My parents passed without a will, without real estate, without savings and without life insurance. Three of their 5 children refused to pay for their funerals so two of us footed the bill. Those of you waving the Debt Free Flag, at least consider prepaying your final expenses.

Experts indicate that people should retire with about 90% of their working income and many do. However some retirees forget that as they use their retirement savings that % drops as time passes.

My wife and I did what many of you did we stayed debt free our working lives and only used debt on our home to utilize the mortgage deduction for tax purposes. We moved a number of times freeing up our equity and upping our investment in a home. We were fortunate to sell our home just prior to the housing bubble burst paying off the small mortgage that we held for tax deduction purposes.

I read a survey recently were thy pooled people in various age groups and many including those close to retirement said they did not intend to retire
Now we know some will change their minds and we know some will be forced to retire for reasons beyond their control but I found it intriguing tha upward of 67% said they would not retire.

Insurance companies do used credit scoring as a one of the means for its underwriting. A credit card or if you will buying on credit using any device is a kick/cut kind of thing. If you use it wisely i can be your friend but if you abuse it ,,,,,well your really abusing yourself