OMG, there's a tonne of letters for me to sort through the moment i reached home. Most of them from credit card companies. I've already canceled off most of those credit cards. They are a major financial threat, lol. Anyway, they've already out-lived their purpose. So, no point maintaining them. With the savings i get from not using those credit cards, i can buy myself a gold bullion or two every year. I heard that gold is at its higher lately. How many of you invested in gold a few years back. You may be pretty rich now!!! .