As are credit cards.

Just tossing this out in general... Getting out of debt saves you a ton of money! I have relatives who are buried in debt, who should know better. They will not listen when I make suggestions. I'm to the point where I don't know what to say to them anymore when they fret about how they will pay their bills. I don't have several (hundred) thousand dollars I can bail them out with. Nor can we give them $10-20K to get them through to their next crisis.

That is not me being callous, that is me not adopting their stress as my own.
not your circus not your clowns as I say.

Tax
Brrr snow and a bit chilly.
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