I have a new spreadsheet that evaluates the new, more complicated credit offers. The valuable terms: a high limit with a capped (at $99) fee. I haven't paid a penny to this, and won't unless I have to, but with the change, I can maintain a cash cushion of $20,000+ for under 2%. My bank pays 1.6%. :I

I have good ideas lately, but I just have time to write them down and hope later I'll bring it all together. I'm also designing code I think could be audacious. This is taking all my free time, though. I am trying to stay comfortable with half-million records, ten million records, and our friend n.