noppenbd - I agree with you. It is just a pet peeve of mine when people use those studies to generalize too broadly (not saying you did, but people do).
A nice compromise might be to use a good rewards credit card for regular, recurring bills so you get the benefits there and use cash for everything else.
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Steve
* Why should I pay for my daughter's education when she already knows everything?
* There are no shortcuts to anywhere worth going.
* The world is a book and those who don't travel read only one page.
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