"Last night I was talking with a friend about the very same thing. She's a retail store manager. Recently, she took over an ailing business and has turned it around. Her one comment is that if she hadn't been so poor while a student, she never would have been able to manage the finances of a business. She told me that her cash management and budgeting practices come directly from being an impoverished student."

"...reduce your insurance cost by going for high deductibles. I have high deductible health care insurance, high deductible car insurance, and high deductible house insurance.

Insure yourself against the catastrophic loss, not the broken window."

"...how much more profit will the restaurant make by accepting credit cards rather than accepting cash only? Judging by the proportion of businesses in my neighborhood that accept cards (nearly all of them), this is a pretty good tradeoff.

That's why I ratted out the sandwich place, by going to the Mastercard site and filling out the Merchant/Retailer Violation form. You see, Visa and Mastercard don't allow merchants to set a minimum charge."