I always, repeat, always take the points over the divvie - always.

I too have felt the anguish of a narrow loss whilst chasing an extra 5 cents from a dividend. Didn't take me long to learn i tell ya!

Saratoga - i take it you be a big NFL fan? Hope so, any chance you would post some thoughts on each round during the season? I would love to follow NFL, of all the american sports, a little more closely. No presseure though!

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I like Bing Lee.