Financial Advice from a Big Doofus You Can Trust

I saw two things online today while paying one of my credit card bills.

1. Checking "Recharge"

First off, this brilliant piece of financial advice from the folks at Discover Card. If your bank checking account is low, you can just "recharge" it with a cash advance from your credit card. It's just like recharging batteries. Your AA's were emptied of power, but all you had to do was stick them in the charger for a while and...ZAP!...they work again. I've had more than a few occasions where the old checking account was low. Why didn't I think about this. Next question: What do I do when my remaining credit is low? Can I "recharge" that, too? Sadly, I guess the answer to that question would be, "yes" as long as I do it from another card. I'm no financial genius, but I think this is the kind of stuff that has gotten our country's economy in jeopardy today.

2. Make a memorable PIN for my account.

It goes without saying that we should take the time to come up with a Personal Identification Number that's secure and easy to remember (of course, this PIN is for getting stupid cash advances on a credit card for things like "recharging" your check book). But this guy is REALLY getting into it. I'd pay money (or perhaps get a cash advance and pay the fee to do so) just to know what he's pondering and how it helped him to come up with such an incredible PIN.