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yeah Marc the draw of the doo dad is very strong ................. The culture I came from is that you buy a new car every year, and have a nice holiday once a year. But then, 70 % of people where I come from rent, so one needs to validate your financial life somehow ta rolf

Hi Marc A properly constructed recycle strategy has a debt reduction component to it as well, just with your flexibility in mind, and not the lenders'. Its just that if the strategy is properly implemented in a case such as this, you can be debt free much sooner and have many more choices...

u sound like a good candidate for a debt recycle strategy so you can get that New bad debt converted to deductible debt asap ta rolf