Turn off the sound on sporting events? Forget me sounding like an old grumpy, man, modern sports announcers suck. Sideline reporters? Unless they have boobs…waste of time. The really stupid thing, now, is interviewing coaches and players while the game is happening. All my old high school coaches would shit a brick.

Use different credit cards for different purchases? As a low consumer of all things, I spent years trying to efficiently use a 3% card for gas, 4% card for dining, 5% for specific hotels, and with Walmart, Target, and Amazon (and others), 5% if you purchase a certain way. Nuts. Now, I have one 3% card dedicated to gas purchases and one 2% card for “all other purchases” and I am a “less tense purchaser” Plus Amazon and Walmart cards, of course. Note to CFP types out there who might argue about using credit cards: I pay all balances off with no annual fees, and enjoy monthly statement credits from the cards.

Use self-check-out for financial gain? My credit union offers me a high interest rate on my checking/debit card account if a certain number of purchases (“Swipes”) are made, keeping in mind the more purchases/swipes you make the smaller the balance earning interest. Plus, (see above), the more swipes you make on the checking/debit card, the less swipes you make on the Credit Cards at 2, 3, and 5% with interest gained on each swipe. It’s important then, to maximize debit card swipes to get the higher interest rate, yet keep the checking balance high for the biggest bang, and use the credit card swipes to get high interest back. Thus, self-check-out. In one shopping trip for bread, buffalo chicken, bananas, and fudge-covered Grahams, I can make one debit swipe for the total bill with the aisle lady or 4 individual swipes for the same total dollar amount if I do it myself.

Get tired easily?

Have the point of your writing wander off and leave you with a full page of…something?

Nap in the afternoon?