Web sites are designed to keep young people from using the keyboard, except to enter in their parents' credit card information.

One of the things these commercial Web sites say is that you don't want to go to a credit counseling service because it will show up on your credit report. That's a false alarm.

When I was young, people lived from paycheck to paycheck. Today, it seems like they live from credit card payment to credit card payment.

Everything we do in the digital realm - from surfing the Web to sending an e-mail to conducting a credit card transaction to, yes, making a phone call - creates a data trail. And if that trail exists, chances are someone is using it - or will be soon enough.

The liberation children experience when they discover the Internet is quickly counteracted by the lure of e-commerce web sites, which are customized to each individual user's psychological profile in order to maximize their effectiveness.

Life's irony;Some people use their credit cards to start an enterprise,while others use theirs to accumulate unyielding assets.