<<I have paid USAA (12.5%) down enough to be able to pay off Discover when the rate goes back up to 18.9%. I keep wanting to start a $50 or $100 per month investment in USAA's S&P 500 fund but I am determined to pay off the cards first.>>Roy,Welcome to Fooldom! I have been in the "zero balance" group for a couple months now, and it is a really good feeling. I'll second Tony's suggestion about Vanguard. I have insurance, a credit card, and money market acccount with USAA. I also may get my next mortgage from them. While they are good for those things, their investment services leave a lot to be desired. The last time I called their brokerage services I was told there was a 20 minute wait. Vanguard is much more customer friendly. Check out their web site at www.vanguard.comGeorge
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