Steve Jobs was the visionary / leader / tyrant who could get Apple to "make something great".  Unfortunately, he's gone--Poof!  and unfortunately he won't return.  Apple went into the toilet the last time he left.  Now, we have the Google Maps fiasco, I-Phone 5 plug-in incompatibility with our old music playing accesso...more

Unless you "worship at the altar of FICO," it's best to keep credit card use to an absolute minimum.

I'm going to retire early next year to drop my income below $250K.