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And you're right - a cc will protect you more than a debit card. I hadn't thought of that. I'm used to American Express fighting my battles for me when there's a dispute. I'll have to call TD Bank to see what protection we have. Since TD doesn't charge for the Visa or the Debit portion of the card I'll be more conscious of using the Visa portion on large ticket items.
The Capitol One No Hassle Visa cards may be the way to go for extensive international travel.
Something that helps me purge clothing is to call in reinforcements! My husband and sister are both amazing at telling me "it's time". Sometimes I hold on to clothes I think I'm going to wear again someday, not realizing that they are way past their expiration date. I find that I hold on to some of my clothing because it's attached to a good memory. But if I wore it again it would obscene. :-) Time to donate.
I agree regarding the life cycle of other mats. Over the course of practicing yoga for a few years, I've noticed that my mats break down in about 6-8 months. Little pieces go missing (not good for the environment) and the mat starts to stretch, slip and buckle during practice. I recently tried to replace my Lululemon "Align" mat and was surprised to find out that the newest version is THINNER than the one I purchased 8 months ago. It buckled during Warrior 2 the first time I used it.
I'm ready for a serious mat!