Good luck to you in paying everything off and staying out of debt! I have been a little chicken to go with an on line bank because I am building a big house and need to get to my money in a hurry. When i sell this house, I will probably put quite a bit in a money market account, but I can just let it sit then. in the meantime, I am watching the MMA summary thread closely. Oh, and welcome to the site!!
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