Very good quotes...I just loved JFK!

It amazes me that the CC companies have been allowed to run amuck. They can send young people these enticing offers and then hear this! If they are late making a payment to ANYONE....not necessarily the CC company....ANYONE they owe money to, the CC company is allowed to raise their interest rate! That is unjustified and criminal! I have a very large dislike for CC companies and their tactics.

I'm also amazed that the rate of savings for US vs. other countries, say like Japan. I wish I could put my finger on my research I did on this, but I can't at the moment. But trust me when I say it was embarassing!

JJ