42 Knock Out

I just finished college, and work full time. I have a debit card, and building good credit from paying off loans. A lot of people have been telling me to get a credit card, but I wonder if it really is necessary. Please give me some good reasons to get a credit card other than building good credit. The only other advantage I know about is those point-system/rewards credit cards, that earn you miles or other things. And what is the best credit card to get for a first time credit card holder? The number of choices are a little overwhelming. How did you choose your first/main credit card?

I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone has either one of these cards, if so, what one did you like and why?

Golf can be quite an expensive game to play once you factor in all the costs associated with it such as golf clubs and other equipment. You may feel the need to purchasing knock off golf clubs in order to save money, but it’s probably best to stay away and spend a little extra on better quality clubs.

While a pro may be able to discriminate the differences between knock off golf clubs and the real thing, a novice might have a little more difficulty telling the difference. To prevent the purchase of a fake, always deal with a reputable dealer that is certified to carrying particular name brand models.

Anytime you’re purchasing a name brand golf club such as Callaway or Dunlop, always request certificates of authentication. If a seller tells you that they do not have one, then it is strongly suggested to go with another seller who does as you do not want to pay full price for cheap knock off clubs.

If you are able to inspect the golf club in person, then you should be able to immediately tell whether the club is real or not just by looking at fine details. If you are still unsure, then give the club a test by swinging it and seeing if it feels comfortable for you.

Whether you choose to purchase knock off golf clubs is entirely up to you but keep in mind that companies like Callaway spend millions on engineering and development. Knock off companies are simply trying to make as much money as they can but the quality will never compare to the real thing.