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Good point. Any idea on what the effective hourly income is?
I hesitate to try this because I'm a procrastinator. Even after being debt free I tried buying my HDTV on a 0-interest deal but was late a couple of days on one payment for a $30 late fee, so I just paid it off and again swore off of revolving credit, even if free and covered. (I still put a lot on the CC, but I pay it off every month...oddly I haven't missed that target yet.)
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