Credit Cards Explained: Their Value and Risks in Today's Market By Lars Guo Published:  December 29, 2025 Opening Message Hi folks! Happy holidays! I hope everything is going well for you and that your holiday season has been amazing. Today’s post is about credit cards. This is purely my opinion, and you are free to disagree with me. All I ask is that everyone remains respectful. Thank you. Background I got into credit cards after receiving my very first one in 2023. At tha

Examining the Importance of Cash in Modern Transactions By Lars Guo Published: September 12, 2024 Opening Message: Hi folks! I hope you're doing well! In today’s blog, I’ll be discussing cash—its pros and cons, and my personal take on its role in modern transactions. This topic was inspired by a YouTube channel called Spencer’s Adventure . You can check out his channel here: Spencer's Adventure Review . He recently made a video about cash, which sparked some thoughts and le