Well if you can save $140 of your dollars on things like Norton (taking into account the exchange rate) for Norton Systems Works for 9.99 -- I would seriously consider having a second card (huge smile here). One purchase and your $30 annual fee is covered and if you pay all of it off each month it's the same as cash. I got over being worried about using my credit card on the net when I saw a documentary on a credit card being handed to a waiter and he had a hand held thingie which took all the information and he resold the information. Figured the secure servers were every bit as secure as the **real** world (LOL) Judith That is a good idea, but the second card here would cost about $30 or more a year and I may not use it that much. I always pay cash, would be handy if I was buying a lot from overseas. To unsub or change your email settings: //www.freelists.org/webpage/pctechtalk To access our Archives: http://groups.yahoo.com/group/PCTechTalk/messages/ //www.freelists.org/archives/pctechtalk/ For more info: //www.freelists.org/cgi-bin/list?list_id=pctechtalk