[pwd72s]

Wise words, John...and race card playing does NOT enter in here. Despite our best efforts at educating her otherwise, Cindy & I have a spendthrift daughter. Give her $2,000 and she'd use it as a down payment in order to get some $30,000 toy or bauble that will be worn out or obsolete before it's paid for. What really saddens us? She's a well educated person with an RN degree & license. She's great at her well paying job. But for some reason we cannot fathom, she simply cannot manage money. Every dime she makes is already spent....(edit) I'd like to add that it isn't gambling, booze, or drugs with her...my theory is that she just loves having sales people suck up to her. Somehow it makes her feel good, somehow superior (?) to blow money on high priced doo-dads that she really has no use for.