[pwd72s]

Financial happiness for me lies in not paying interest on anything. It's much nicer to have people paying interest to me. There you go, free advice from an old fart who took too long in learning the above simple truth...Sure I use credit cards, as cash. I'm one of those the credit card companies label a "deadbeat", because I always pay the bill in full before the deadline, yet still use the services (extended warranties, discounts, ect.) that the card companies offer. I heard a cute one on a radio show the other day. This caller, with a super credit rating, takes the credit card companies up on their "zero interest for six months" offers. He then uses their money to buy short term treasuries, pays the bill before any interest is due, pockets the treasuries interest, cancels the card account. I haven't done this, but I'm thinking about it...just doesn't seem moral somehow...