1. I pay no fees on my credit card. My full balance is paid automatically and 1-5% is refunded (depending on where I spent the money). To put that in perspective, if I spend $50,000 I get back $500-2500, which is not an insignificant amount. You are absolutely correct that rewards are subsidized by merchant and banking fees. Please correct me if I'm wrong, but don't merchants have to pay fees when accepting Visa debit cards as well?
2. Cash-back rewards only make personal accounting more complicated if you calculate them on an ongoing basis and pay additional fees for the credit card. If you do neither of these you'll stay within your budget and be rewarded with a substantial bonus every month that you can then spend or invest.
With all that said, I agree that keeping it all in one place would be much easier and I would love to try Simple myself. I just can't imagine replacing my day-to-day purchases with a debit card, no matter how awesome the system that surrounds that card may be.
Preface: I use aliases for every single service I sign up for in order to track who exposed my email address if I receive spam. I use Google Apps for my primary email address (which I use for correspondence, but not services). I only use Google's authentication to sign in to Google products. I do not use it to sign into 3rd-party products, as doing so exposes my primary email address to other...
EDIT: Nevermind. I found it. Rule 502(c) of federal Regulation D of the Securities Act of 1933 prohibits advertising or general solicitation for investors. http://www.sec.gov/rules/interp/33-7516.htm
Also, men can get raped too. I don't just mean women raping men; men rape men too. (Would a "Don't drop the soap" joke be too inappropriate here?) It could be argued that assuming only women can be raped is the misogynistic position.
Last, saying that we've got to cut this out "if we want a world with less rape in it" is, frankly, ridiculous. Nobody is going to read the "battery rape" comment and subsequently be more likely to rape someone.
© 2012 Microsoft
Copyright © 2012 Yahoo! Inc.
© 2012 Twitter
The content of Facebook wasn't first created in 2012, so I'm not sure if you're correct. In fact, I've noticed that the majority of sites don't include a date-range. Regardless, thanks for the info.
Forgive my ignorance, but why don't companies program the copyright year to automatically update?