Skip to main content

Credit Card Cash Back


Mathematics.
I’m not a genius, so MIT (Massachusetts Institute of Technology) did not have to worry about my application for admission, when I was a university student.
Banks know that math is my weak point.  That is why they try to sell me credit cards with the ‘cash back’ option.  Now let’s see how it works. 
Cash or credit?
I don’t have any cash on me, so I use a credit card.  Translation: I’m broke, so I will live on credit until payday, or until somebody buys my book Sweetness.
There’s always a catch, or punishment.  Credit is not free like the sun and moon.  There are interest charges.  Now this is where I get stuck.  Where is the cash back coming from? 
Is the cash back the same amount as the interest on the credit card balance? If the interest is, let’s say 23%, will the cash back be the same percentage?  No, delete question because I think the cash back is based on buying. 
I must keep buying on credit to increase the chances of cash back.  How about the interest?  I can see it sitting quietly behind the door licking its fingers.
I can never understand banks’ philosophy that the more I use credit (since I don’t have any cash), the more I save. 

I know how outsmart them though.  I will use cash instead.  There is no ‘cash back’ option if I’m using straight cash. 
Mama will be so proud that what she taught me is finally sinking in.
It is dangerous to spend other people’s money.
or i could be like the Russian Dmitry Argarkov and write my own terms: no interest charges on my credit card and no limit.

 

Comments

Popular posts from this blog

Black Panther Africa Here and There

Black Panther is about Wakanda a fictionalized country in Africa, but it has delightful snippets of the real Africa.

The movie has tall people, like Kenya’s and Sudan’s sons and daughters. Dora Milaje, the royal guard supervised by Okoye (Danai Gurira) is composed of tall women.Okoye is a common surname or family name in Nigeria, as in Oge Okoye, the actress. There are also scenes where men on horseback are wearing colourful blankets, a common sight in Lesotho, the country surrounded by South Africa.Locals, the Basotho, call these blankets seana marena.The country’s beauty sinks in as one drives from Maseru the capital, up to Leribe and further up the mountains.Great roads too.

Costume design.That’s another snippet about Africa. There is Angela Bassett’s character looking regal, in what is called isicholo in Zulu.Well! it looks like isicholo, a married woman’s headdress. You probably saw the re-mixed version of isicholo in what Beyonce is wearing in the Sorry video. They also speak isiXh…

Black Panther Casting

Chadwick Boseman sure looks like a younger John Kani in Black Panther.That is why the movie won the Best Casting category in my little awards.  Envelope please!

Kani plays King T’Chaka.Boseman is T’Challa, his son.What a striking resemblance.It reminds me of my arrival in New York City some years ago.I used to stare at African Americans because they looked like a cousin, uncle, neighbour, teacher, friend, doctor or someone on the bus. Sure, we learnt about slavery at school, how slave traders stole Africans and how internal wars between chiefs also led to humans being taken to another continent in chains. But being in America, seeing people who look like your world, in Africa, was painful.

“Death is better than bondage.” That is what one character said in Black Panther.Was it Erik Killmonger?I’m not sure but I will double check when I go back.Yes, again.The movie is a cinematic buffet.Don’t talk with your mouth full, as mama would say. We gave the film the Best Casting category for other…

Riyadh and The Hollywood Screenplay

Black Panther is going to be part of the Kingdom of Saudi Arabia’s entertainment history on the 18th of April 2018, when Saudis go back to school.Delete that, make it go back to movie theatres.

It will be the first film, adult Saudis will see after 35 years without popcorn.Public cinema was banned because the country believed that it corrupted the mind. No doubt Black Panther’s gala opening in Riyadh will be attended by the rich and religious, but women will not be wearing gowns that show top and bottom flesh.It’s haram (forbidden). They will be wearing the abaya khalijia and make-up will be picture perfect under the head cover known as the shayla.

It is back to the cinema for Saudi Arabia, but it is also a wake-up call for producers.It is not business as usual in terms of the screenplay.Hollywood and Netflix should throw out the tired dialogue and come up with something original that will be enjoyed by the whole world, across racial, cultural and religious lines. Black Panther, directed…