@George Gammon  we may not have had a country wide bubble like 08 before .. but we had a CA bubble in 1989 to 1992... and many of you would find this hard to believe but even the holy grail of solid real estate San Francisco and silicon valley in those days many properties dropped 50% in value and it was not until 1998 dot com rebound that values got back to 1987 to 1988 peaks. 

I blogged about it recentlyHave I Found the Holy Grail of Passive Real Estate Investing? 

Holy smokes!!

Holy smokes.

Obviously this benefit is reduced now with the lower interest rates, but people are still doing it for the sign up rewards or to save money on higher priced debt like high rate credit cards or helocs.A few links.http://en.wikipedia.org/wiki/App-o-ramaThe grail of the app-o-rama peepshttp://www.fatwallet.com/forums/finance/632935/

This goes for Keynesian Economics, Supply-Side Economics and all the less popular economic theories in-between.A theory is only as good as its implementation, and as we've seen over the past many decades, neither supply-side nor demand-side economics as they've been implemented in this country appear to be the holy grail -- yet both are great on paper.

Holy cow I get long winded when I haven't been on here for awhile.

Make your savings a holy relic that cannot be touched.The best way is to open a bank account.

I wrote about my investments with this company in my blog article Have I Found the Holy Grail of Passive Real Estate Investing?

Holy cow!