Thanks Tony. I'm keep that in mind.

AMEN to that! Nothing more annoying than being second fiddle to someone's "Whassup" caller>:-\

I helps that Texas doesn't have a state income tax.

I still use Windows NT. Very robust/reliable. Don't think I'll ever upgrade.

I keep a separate "Flagged" folder for messages I've marked/flagged for later follow up.

Correction to text above: If you want to delete to the LEFT of the cursor, hit the "Delete" key.

Should you close accounts that you've paid off and seldom or never use? I was told that you should keep your oldest account open, even at a zero balance, because it show credit longevity.