Words & Banter

The History Of Credit Cards?

Design by Sawyer Pennington, Underlying photo by Jon Tyson on Unsplash

Who would ever think of “celebrating” credit card debt? Not celebrating paying it off – celebrating a mountain of credit card debt. Well, Black thinks Red’s credit card debt is worth celebrating, or at least this story about it is. And not just because April is Financial Literacy Month.

When Red was in the midst of her crisis (her husband unexpectedly got fired), she was freaking out about everything, especially money. And specifically, her credit card debt. If she could have remained an ostrich with her head in the sand, she would have. But Red knew she needed to face the facts (although she hadn’t run a total of how much they owed on credit cards, she knew it was a lot), so, with much trepidation, Red turned to Black, hoping she’d just tell her what to do.

Instead, Black wanted to give her a history lesson. On credit cards?! Black doesn’t even like history. And even though Red, who loves history, didn’t want to hear it, she decided to take the path of least resistance and humor her sister.

At first, she found it mildly interesting, but then that “unwanted” history lesson changed Red’s life. That might sound like an exaggeration, but it’s not. Because as soon as Red changed how she looked at credit cards, it changed how she used them.

Don’t believe it can make that much of a difference? Read “RED & BLACK … The History Of Credit Cards?” and decide for yourself.

Photo by chameleoneye for iStock

Tonight is the first night of Chanukah (FYI, there are multiple "correct" spellings), and while Red may be celebrating the Festival of Lights with potato latkes (pancakes), when she lights the menorah to symbolize bringing light into darkness, she’ll be laughing at Black’s car analogy …



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At the risk of Black coming up with another potato analogy, for me, Chanukah's all about potato latkes. The childhood memories of our dad grating pounds and pounds of potatoes to the point where I'm not sure I could see our kitchen table, many decades later, my eldest daughter taste-testing latkes from an assortment of places. (I love to cook, but latkes are a lot of work.)

Of course, the lighting of the menorah is also such a special part of the holiday celebration, whether the electric menorah that my parents had where you would "twist" each light bulb as the nights progressed or the more traditional menorah with candles that my daughters and I light each year (and never leave unattended).


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I never cease to be amazed by the miracle of Chanukah (regardless of whether you spell it Chanukah or Hanukkah, or some other variation) and how the oil that was only supposed to last one day instead lasted for eight days. It is as if your cellphone indicated it is at 12% but lasts eight days. Or, if the gas gauge in your car indicates you have 25 miles left, but you are able to drive 200 miles. Sometimes things happen that defy logic, and that is where faith takes over. And, a belief in something bigger than all of us.

Tomorrow is the start of Chanukah, the Festival of Lights, which celebrates hope and miracles – and who could not use hope and miracles?

Happy Chanukah!

Photo by Rabbitti for iStock

Every year on #GivingTuesday, Red tells Black that she knows how important giving is – whether time or money – but, unlike Black, she doesn’t have a meaningful charity that’s been part of her life for decades. We often “repeat” the conversation below, but this year, Black suggested that Red use #GivingTuesday to think about what charity inspires her or holds special meaning, and then get involved. Making it personal often ends up making it a year-round passion rather than a one-off obligation.

But no matter how you approach charity, beware of potential scammers. And, if in doubt — check them out! (Black likes GuideStar and Charity Navigator.)



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I know today’s Giving Tuesday, but what I always find so amazing is how you treat every day as “Giving Tuesday."


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What makes you say that? I do not donate to an organization or charity every day.


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You’re always so literal. I meant that the spirit of “giving to others”, whether donating or providing support in some way, seems to be part of your daily life.


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I think you are exaggerating.
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Photo by klohka on iStock

It’s that time of year again when we’re re-running this “little slice” of family history because some traditions never get old — and always make us laugh. Not to mention, neither of us can ever look at a perfectly browned turkey and not imagine it being naked!

We first ran this in 2020, but as soon as Black wrote it, it became one of Red's favorite posts and a perfect way to wish you a very Happy Turkey Day … one filled with gratitude, laughter, and memories worth retelling.

Today is Thanksgiving, and I cannot help but wonder why we are online. However, everyone has their own way of celebrating. I know that Red is in the kitchen cooking – and watching a marathon of "The Godfather" movies. Which is perfect as turkeys take such a long time to cook and patience is important when you want it perfectly browned. So inviting, so appetizing, so … naked?

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