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Agreed. The truth is that it took me a few years to get to the point where I could start "playing" with the credit alternatives available to me. The best possible starting point is to think in terms of credit not being one of the choices.

The reason why I posted my message is that there are many people out there who do have their credit under control, but are not aware of the choices (or don't go through the evaluation process). I have a friend who is making extra principal payments on his 6.5% mortgage, while overlooking our employer's guaranteed (yes, *GUARANTEED*) 15% return on the stock purchase plan. It took me some time to convince him of the opportunity costs of what he was doing.
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