736 karma · joined October 21, 2013
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The points for regular spend, the sign up bonuses, and the interest savings (the average balance on my card ends up saving me interest on my mortgage) put me well ahead.
Credit cards are a solid because many (most?) people use them poorly, but it's certainly possible to use them wisely.
There's a catch-22 if rules are so strict so that you can't get credit because you haven't had credit before, but in general "positive" credit reporting seems pretty beneficial.
¯\_(ツ)_/¯
https://www.itnews.com.au/news/monitoring-fail-allowed-westp...
Interesting, but doesn't tell me much - I live in an apartment, well under 111sqm, and have a 55" TV around 12' from the couch - so still too small / too far away, according to recommendations. People with even smaller living space (at ~80sqm, my apartment is reasonably large for a two bedroom unit where I live) may simply get smaller TVs to compensate, still being "too small".
These are anecdotes. I'm curious about what people actually do, I don't know, and (contrary to your assertions about what most people do) it doesn't sound like you do either.
And agreed on your second point too, I bike because I enjoy biking and it makes me feel better both physically and mentally. That I get good exercise out of it is a secondary benefit.
In general, we wouldn't even use it to access private health care, because we would then face substantial fees to use it (I don't know exactly; it varies significantly by procedure, has a $500 deductible, substantial copay, and has maximum caps), however we're taxed heavily for not having a private policy.
Our family income has recently pushed over some thresholds in the rebate system, pushing up prices even more, might have to shop around to find an even more useless but cheaper policy.
Australia's public health system is pretty decent, but the half baked private system bolted on the side is a mess. Lots of people paying thousands for unusable insurance which is just sent directly to private companies.
Edit: "around here" being Australia and New Zealand
Solar and wind are much cheaper, but cannot be scaled in proportion to demand. Given sufficient advances in storage and transmission they may be able to eventually, but maybe not.
Building nuclear that we may not end up needing if the required advances happen means that our worst case is a vastly cleaner energy system, a much better worse case than a continuing dependence on coal and gas.