[geeks] a warning to the self assured

[Rick Hamell]

> Take it as it comes - it's a catch-22.  No credit is bad - too much
> credit is bad.  There's a fine line there somewhere, and riding it is
> the tricky part.  Frankly, I've only got two credit cards, and I don't
> even *want* those - but keep themm around so that I have a  credit
> history and that I have the ability to spend a huge sum in emergency
> situations.

	Unluckily since the last car got totaled out after a wreck, I had
to go shopping... no credit mean's %23 finance rate.... I really had
little choice at the time. I'll be refinancing soon through my credit
union... but still...

	Rick