http://ybpguide.disqus.com/To empower African-Americans, and all people of color, with the knowledge and inspiration to foster progression and productivity in the community.enSun, 29 Jul 2007 07:02:21 -0000http://ybpguide.com/2007/07/27/ybp-savings-tip-9/#comment-2414860This is great practical information, because "free" things can be very costly in the short run and in the long run. If a "free" extra credit card leads to a lower credit rating and higher interests rates, then that "free" card will actually costs thousands of dollars.Franc is L. HollandSun, 29 Jul 2007 07:02:21 -0000