Just A Couple Of Things

• I saw an ad for one of those credit counseling services and it said you needed a minimum of $12,000 in credit card debt to use their service. If you only had $10,000, would it be worth it to blow through the extra $2,000 you need to qualify?
• When I take one of those "What Is Your Life Expectancy?" tests you see on the internet, the number they come up with is always less than my age now. Should I be concerned?