[markio26]

i make more money in the stock market and other investments that are 6 mos. in duration or sometimes up to 5 yrs......the fee was stiff i admit.... most of the time it is $50 or $60.... but, that is the norm for the recent offers.. others were asking 3% of the balance...............well, i will be paying back in cheaper dollars, due to inflation, etc.... the loans are locked in..... hsbc is paying 6%, i think right now for a few months, for example.... i do use the 0% bal. transfer offers occasionally.... not this year so far...................................
we loaned our friend money at 10% interest... this is his 6th loan, and he pays faithfully, is another example....
both, my spouse and myself have excellent credit scores.... so, far no problem.. i have done this for about 7 yrs... move money around... it used to be great with a float of 7 days on the checks and such... those days are over...
just like the discover card was a 45 day float, until you had to make a payment... i don't even know what it is now.. i use my card for purchases and immediately pay it on line as soon as it posts... thanks for the info...