thanks for the welcome haven't been here for quite a long time. I think I got mad at someone and left lol. Been busy too. I'll try to post from time to time... back on topic though, i think about just cancelling all my credit cards. it sure would make my life easier. only problem is then my credit score would tank. unfortunately, auto insurance rates and even some jobs care about your credit so i haven't done it. god, credit is one of the biggest scams in the industry...so sad.