One important rule when getting a credit card is to always check your spending habits first. Keep in mind where you shop or dine. Think also how much do you most likely spend and are they high enough to give you rewards? A psychologist once noted that you should base the card you are getting on your spending habits.

If you ever return to your car and find that you forgot to lock it, make sure it is unoccupied. If it is daylight, simply look inside. If it is night time, press your «panic» button (or activate approach lights if your car has them) prior to approaching the car. This will frighten and confuse anyone in the car, as well as draw attention from others nearby.

Review the plan you’ve created and ask over and over again, «Does this support my strategy?» Every activity, every person, every dollar should support your strategy in some way. Everything that fails this simple test should be removed from the plan.

Another way to get in some walking time: just park farther away from your place of work, or from the front of the mall or the grocery store. Anytime you have the chance to walk an extra 50 or 100 feet or more, do it. I started doing this several years ago, and now I don’t even think about it. (Though often a friend will ask, «Why are we way out here?») Again, it’s terribly easy to do. If I hadn’t been doing this over the last few years, I’d probably be carrying an additional 5 pounds right now.

You can make a good start by learning how to recycle. While it doesn’t seem like this would be extremely difficult to do, a lot of people still routinely put glass jars and aluminum drink cans in their regular garbage. Nearly all American trash services today offer a special bin for recycling this sort of item. But even though the bins are there for the recycling, people continue to throw their cans and bottles in the normal trash. If you spend just a few seconds to rinse out the cans and bottles and put them in the recycle bin, you will be on the road to helping planet Earth.

Ring of blueish lights 100 feet in diameter rapidly descended from western sky at 90% angle, suddenly stopped, leveled, hovered 100 feet over store roof, turned, flew north just above trees.

These are my five. When planning your trip, keep them in mind and I think you’ll find your dollars are lasting a bit longer — always a pleasant and welcome surprise. Enjoy S.F.!

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