Hmm, what to talk about. You know I have written over 10,000 posts on this blog. That is unbelievable. I often thought if I ever wanted to branch out I could write a column for a newspaper or write science fiction short stories. I think I would like that genre as I am too impatient to write a full fledged novel. However, writing 337,000 lines of code is equivalent to a 8,500 page book, so maybe I do have the patience? I think I have typed roughly 240,000 lines into this blog over the 6 years I have been writing it. That is equivalent to a 6,000 page book.

I like to think about the usefulness of numbers. Money can be saved and grown if you know how to play the numbers. I thought about making a website for investors and credit card owners. Basically it is a site that allows investors to invest in debtors. Like say I have a credit card bill that is $5,000 and I am paying 20 APR interest on it to the bank each month, or $83. Now say you are an investor and want to make 10% APR a month. Well, you go to this site and buy a debtor. You pay off their $5,000 balance at once. Then the debtor owes you instead of the bank. You charge 5-10% APR interest which is $20 to $41 a month. You can even negotiate a monthly payment and length of time to pay it off. That way the debtor pays less money to pay off the debt and you make 5-10% interest, which is way better than a savings account. Of course, the whole reason why this wouldn't work is there is too much risk and no liquidity for the investor, but it is a thought for an investor who would not care about liquidity and a debtor who is low risk. Why should the credit card companies get all the money?

Also, I was thinking about APR rates and balances and how mathematically it is not as simple as paying off the high balance first, or low balance first or highest payment first or lowest payment first. There are some equations you can run. The idea is to maximize the usefulness of your payments to lower the interest payments as quick as possible. For instance is it better to pay off a $1000 card at 20% interest or a $2000 card at 10% interest? Both have $200 a year in interest payments. Now if you had $1000 to spend you should pay off the 20% interest one. It gives you the most bang for your buck. You also could pay off half of the $2000 card and then you would still have a $100 interest payment. Then you could do a balance transfer of the 20% interest to the 10% interest card. What in effect happened is that you paid off the $1000 card. These equations are fine, but there are so many rules I could write a book about it. Hmm, maybe that will be my new book, "Do the Math: Beat the Card Companies at their own Game". Nah, that sounds pretty boring.