* Building of credit history. The longer you have credit card accounts in your credit profile (assuming you pay them off or at least pay on time) the better your credit score. This lets you borrow money at a lower rate when you realy have to - say a mortgage.

This is a lie perpetuated by the credit card industry. You simply need credit cards with reasnoable limits, and you need to use them for about 6mo. to establish revolving debt.

After that they only hurt your credit score if their balance is nonzero at the exact moment the balance is reported 5-7 days prior to you checking your credit score.

His term is not even over and he's already the worst since Reagan?

He is the worst president since Reagan and he seems to be working really hard at being the worst president ever.

If Gore or Kerry are the only two people the Democrats can muster for '04, you better pray a lot harder.

Yeah...cause the guy who beat him the last time will have such a hard time doing it again after he's had a chance to demonstrate his ineptitude.

The only thing republicans have going for them is their (admittedly) superior foreign policy. Of course, when you're unemployed because of massive lay-offs, you're not going to be all that concerned with whatever boogiemen Bush or Adolph Hitler...oops, I mean Donald Rumsfeld, have come up with lately.