Disclaimer

PM me your e-mail, I don't have yours in my personal account. (I'd have to facebook it to get it, and I don't get FB @ work)

I have the identical setup. Bought it in .357sig and then bought a .40 barrel. I have the .40 installed now because it's WAY cheaper to shoot. You'll love it.

All blocked by Websense I'll post it somewhere when I get home... suffice to say, if you concur with the assumptions: *I favored the CC+MMA account setup by assuming all costs were disbursed at the beginning of the month from the RCA, thus minimizing the daily balance which the RCA would gain interest on throughout the month *I assumed the MMA wouldn't pay the CC company until the last possible day - maximizing it's daily balance and returns *I ran the numbers assuming all purchases were at min rewards (1%) and one where the entire $400 earned the 5% rewards Unrealistic, but overly conservative assumptions to prove my point. I'm right.

You just lost your baller status.

Ok, how do I attach this Excel?

you guys crack my shit up. I'm Mennonite. Amish don't use electricity. I've been on Rumspringa going on 27 years almost.

I'm well aware of your heritage, but I come from a poser-Jew mother, and my background is in numbers and simulation. You're wrong. Excel will prove me victorious in this discussion, I'll have to run the numbers offline...

Yes, that's how the initial math works out... but assuming you're SPEND is relatively normal each month... your SAVE will continue to rise, doing subsequent months calculations you'll find the BEP (which will be < year) where the rewards checking account is a MUCH better option. You assume you start with a ZERO balance, which isn't the case... you have to initially fund the account (like in my previous post).

The rewards checking accounts (RCA) only work if you have a large chunk saved up to begin and you SAVE more than you spend. I.e. It's for SAVER-type people that have a liquid emergency fund. RCAs all have a cap to the amount they're going to pay a high yield on, above the amount the rate drops (I've seen it range anywhere from 1.5%-0.4%). After I get a certain amount in my account (usually right near the interest rate cap), it gets moved to my investment portfolio to earn higher interest, which also reduces the exposure to fraud (like Matt mentioned) - but my debit card TOS has similar Consumer fraud protection measures as a normal Visa/Mastercard credit card. The protection is just through my credit union, not Visa.

2% of what you SPEND, and then 10% bonus on interest... so 10% of 2%, or 2.2%? I save more than I spend, so... the greater pile of money to earn interest on is the SAVE part, and I'm earning higher interest on that, than you're earning on your SPEND. Mathematical example - $20k in bank, spending $15k/yr Your way = 2.2% on $15k = $330 in rewards My way = 3+% on $20k+ (as more money is saved) = $600+ So, if the convenience of not having "all those restrictions" - which are basically, do your banking online [i do anyway], make 1 ACH direct deposit/direct withdrawal [i average 5 ACH transactions, ex. I pay my electric bill with an e-check from that account], and 12 debit card transactions each month [i use it like I'd use my CC for gas, groceries, etc... I average around 20 each month]... if those restrictions are too great for you, then you can pay the $280 delta (opportunity cost) for that convenience. And I used a conservative example....

I'll have to post the pic I found of a camera going into a guys ear where a cockroach was living near his eardrum. Nom.

Without disclosing my finances, trust me, I'm making the right moves by using a debit card. Who uses MMAs? That's not even 1% interest....psssh, tard. http://www.depositaccounts.com/checking/reward-checking-accounts.html

Well, you show me a CC that earns me the interest rate I get every month, and I'll think about going back to them. For me, it's all about rewards. I'm pretty responsible with my card, but no lie, there are disadvantages to using debit cards: http://www.walletpop.com/banking/credit-cards-vs-debit-cards But like I said, I make bank each month with my Rewards Checking account, so I'll pocket $400+ extra in interest each year over using Credit cards.

and unbolted all the parts off it, and painted it yellow

Fearmonger. I <3 debit cards. Then again, I check my balances once or twice daily. Plus with new CC regs coming in... a lot will start charging annual fees. I just cancelled my Citcard I had for backup because they were going to charge a $60 annual fee beginning in April.

Would you trade the Ape back for it? That's the $10000 question. Because if it was THAT good, then I'd understand.

Dumbest thieves ever to steal a Buell. Sorry about your misfortune though

Well, I'm a different person depending on what forum or social network I'm on and at what time a day; therefore, I need multiple avatars to properly express my persona at any given point in time.

Sync Avy is mostly ghey. Sry. Not a feature I want, and since my opinion matters the most to me. It shall not be so.

My User CP page changed, just a little bit, near the southwestern area.

You coloreds always stick together. (there, now I've broken the rules and the thread stays here)

You could sign up for their (Kalahari's) newsletter... you supposedly get discounts that way... ?

http://www.retailmenot.com/view/kalahari.net Probably already looked there though huh?