I work full time, so investing would be a part time thing for me now.I have good credit, plan to be debt free in jan 2010 by payin off last cc and have about $8500 in savings.I value the opinion of others and just want to know what you would suggest to someone like me who now has an interest in REI.

After paying the card down drastically or off your score will go back up in 3 to 4 months after cc payment is made.  

Edgar they should also read CC 1694...

If the list company won't work with you to resolve their error, dispute the billing with your CC.

I've moved twice since my last CC, that one was the contractor's that we modified.

Hell, some dumb wholesellers blast out emails with everyone on the CC line.   

I don't know how you all are spending money that needs paper receipts. 99% of my expenditures are either ACH or CC autopay's to utilities, banks or other regular things, or paid by credit card to Lowes or HD who email receipts to my 'landlord' email with the PO (unit or property) I entered at checkout.

It also allows you to purchase lists with your CC right on the site instead of having to use Paypal.

On a personal note, eliminate any cc debt.

He told me he had no way of coming up with that kind of money but he was going to try and increase his CC credit and ask his friends for loans until he could get his first deal.