
Quick credit card update.
We just got our 22nd credit card. It comes with a $795 annual fee. No big deal. Each of those 22 cards returns 2X-4X more than the annual fee. When they don’t? I dump ’em. The total credit limit on those cards is more than $440,000. The total annual fees? Somewhere around $5,000. Remember, I made $92,000 doing this in 2024. I just had my first credit card rejection. Why? They said I had opened too many credit cards recently. C’mon man!
New format today.
Today I’m using a new format. I don’t expect to use this format all that often unless there is an overwhelming amount of positive feedback. I’m on Facebook. I have about 3,000 FB friends. I frequently post several times a day on the topics I cover in my newsletter: Finance, travel, and trackchasing. No religion or politics in my posts.
Please give me your feedback. One, two, or three?
- Sounds good to use this format once in a while.
- I love this so much I can’t even say it in words.
- Nope. This sucks. Go back to the old format.

One of the best things about my lifestyle is that I am “comfortable with uncertainty.” A couple of days ago, after being gone for nearly a month in Europe, I flew from Sweden to Finland to England to Southern California. Two days after that, I flew from Los Angeles to Columbus, Ohio. Tonight at about 5 PM, I will decide if I’m going to drive overnight to New York or stay another night in Columbus and fly to Idaho tomorrow morning. I commonly don’t know what state I will be sleeping in by noon of that day, and sometimes I don’t know what country I will be sleeping in. I guess that’s being “comfortable with uncertainty.”

We were just approved for our 22nd credit card. We had to work to get this one. It comes with a $795 annual fee. I couldn’t care less what a credit card’s annual fee is… if the reward is dramatically more. Our combined credit limit for those 22 cards is slightly over $440,000. What does that mean? If we’re down at the grocery and need to add a few extra items to our cart, we’ll have the financial backing to do so. Remember, when you see somebody doing something that you think is crazy but you’re pretty sure they’re not crazy, the answer is usually about the money. Of course, nobody should do anything like this unless they’re willing to pay their credit card bills off every month, and even then, there are exceptions to that rule.

More than 11 years ago, I installed 38 solar panels on the roof of our house. Today, if we didn’t have solar, our average monthly electric bill would be $500 a month. As it is, our electric bill is zero, and they actually give us a little bit of money back each year. This past year, a guy came along and gave me five more solar panels for free. Ask me how later. Now our rooftop solar plant is producing so much free electricity that we don’t even turn the lights off when we go to bed.

Usually, when we leave on a trackchasing trip, our “last supper“ is a stop at In-N-Out Burger. However, because I’ve been gone for so long, we changed it up, and my first dinner back was at In-N-Out. The charge for two sandwiches, two orders of fries, and two drinks? $20.63. No matter how hard I look, I’ve never been able to find any inflation in my life. What happened to those people who used to complain so strongly about inflation?

The only piece of luggage I took on my 26-day trip to Europe is back and being replenished for the next outing.



If you need me today, I’ll likely be about 35,000 feet above the ground. Stockholm-Helsinki-London-Los Angeles. Don’t worry, give me a call. I’ll probably be watching movies on my iPad, but I always have time for you.

Twenty-six days in Europe. This was a fantastic trip. Tomorrow I fly from Stockholm, Sweden, to Helsinki, Finland, to London, England, to Los Angeles, California. From the time I wake up until the time I hope to pull into my driveway, it’s 27 hours. It turned out to be 29 hours. Don’t worry. I’m home for a couple of days before I leave on a three-night trackchasing trip in the U.S.

Carol and I bought lawn chairs at the dollar store for the racing in Sweden. The folk racing tracks rarely have much in the way of grandstands. That’s my blue chair. I will leave it at the track today since it’s too much of a hassle to try to bring it home.

This triangle signifies a young driver in Sweden. These drivers are only permitted to drive a maximum of 30 km per hour, or about 18 mph, regardless of the road they are on. This creates quite a challenge on their roads where the maximum speed limit is 110 km per hour.


This was the experience at the Rosendalsbanan, Swedish folk racing today. Fans were like mountain goats. They had to find a place to sit on the side of a rocky mountain. 


































I’ve been to the Eiffel Tower many times. Nevertheless, I always need to get my picture taken. Once in a while the person I give my phone too gets creative.










