Bryan Howell: ‘The 3% MBNA transaction fee I paid to borrow at 0% has a cap of $50 and a floor of $5. It’s a bad deal if you borrow $100 because the fee would actually be 5% [100x.03 = $3, but you’d pay the $5 floor] But it’s a GREAT deal if you borrow $20,000 as you only pay 0.25% [the $50 fee cap rather than the 3% fee of $600].’
☞ Yes, this was the part I forgot in my original note. But the $50 transaction fee, on $99,000, seemed too small even to mention – barely 0.05%. (At 3%, without the $50 cap, it would have been nearly $3,000!)
The first time someone suggested the idea of ‘gay marriage’ to me – and could it have been even 10 years ago? – I thought they were out of their minds. And I’m gay! Why would we want to touch that third rail?
Ah, but here’s why. If you have a few minutes, read these five real stories, about real people, and see where you come out on how they should be treated.
Quote of the Day
Life is too short to be small.~Disraeli
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