Ellen Roseman writes that you should leave a few days grace when you pay because the mail may be slow and you'll get dinged interest. I keep track of most of my bills online and pay by phone. No muss, no fuss, no charge and, most of all, no delays and no interest charges. That said I'm often amazed at how far businesses will go to rip you off. Interesting stat in one of the papers yesterday. The students in university who cheat the most? MBA students. Why am I not surprised. jim _________________________________________________ For information concerning the MUGLO List just click on http://www.freewebs.com/muglo/joinus.html Our Archives can be viewed at //www.freelists.org/archives/muglo Don't forget to periodically check our web site at: http://www.freewebs.com/muglo/