Journalist @baltimoresun writer artist runner #amwriting Chaplain PIO #partylikeajournalist

Journalist @baltimoresun writer artist runner #amwriting Chaplain PIO #partylikeajournalist
Journalist @baltimoresun writer artist runner #amwriting Md Troopers Assoc #20 & Westminster Md Fire Dept Chaplain PIO #partylikeajournalist

Sunday, February 15, 2015

James L. Dolan, a Consummate 1 Percenter - NYTimes.com



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Kevin Dayhoff Art: http://www.kevindayhoff.com/


New Bedford Herald: http://kbetrue.livejournal.com/


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Kevin Earl Dayhoff Art www.kevindayhoff.com: Travel, art,artists, authors, books, newspapers, media, writers and writing, journalistsand journalism, reporters and reporting, music, culture, opera... Ad maioremDei gloriam inque hominum salutem. “Deadline U.S.A.” 1952. Ed Hutcheson:“That's the press, baby. The press! And there's nothing you can do about it. Nothing!”- See more at: http://kevindayhoffart.blogspot.com/#sthash.4HNLwtfd.dpuf

Saturday, February 14, 2015

I-71 north to Cleveland in lake effect heavy snow - 14 degrees. No worries.

#KED

I-71 north to Cleveland in lake effect heavy snow - 14 degrees. No worries.

#KED

I-71 north to Cleveland in lake effect heavy snow - 14 degrees. No worries.

#KED

White-out snowfall at the Medina Public Square Ice Sculpture Festival in Ohio

#KED

White-out snowfall at the Medina Public Square Ice Sculpture Festival in Ohio

#KED

White-out snowfall at the Medina Public Square Ice Sculpture Festival in Ohio

#KED

Making dog treats at www.OneLuckyBakery.com at 45 Public Square Medina Ohio

#KED

Making dog treats at www.OneLuckyBakery.com at 45 Public Square Medina Ohio

#KED

Making dog treats at www.OneLuckyBakery.com at 45 Public Square Medina Ohio

#KED

Marnie and Louis celebrate Valentine's Day in Medina at Ice Sculptur Festival

#KED

On February 14 around the year 278 A.D., Valentine, a holy priest in Rome in the days of Emperor Claudius II, was executed.

On February 14 around the year 278 A.D., Valentine, a holy priest in Rome in the days of Emperor Claudius II, was executed.


Under the rule of Claudius the Cruel, Rome was involved in many unpopular and bloody campaigns. The emperor had to maintain a strong army, but was having a difficult time getting soldiers to join his military leagues. Claudius believed that Roman men were unwilling to join the army because of their strong attachment to their wives and families.

To get rid of the problem, Claudius banned all marriages and engagements in Rome. Valentine, realizing the injustice of the decree, defied Claudius and continued to perform marriages for young lovers in secret.

When Valentine's actions were discovered, Claudius ordered that he be put to death. Valentine was arrested and dragged before the Prefect of Rome, who condemned him to be beaten to death with clubs and to have his head cut off. The sentence was carried out on February 14, on or about the year 270.

Legend also has it that while in jail, St. Valentine left a farewell note for the jailer's daughter, who had become his friend, and signed it "From Your Valentine."


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Ed Beck, member of the ‘back pew club’ at Grace Lutheran Church in Westminster; has died.

Ed Beck, Operations Manager of Aggregates Production overseeing gravel, stone, and sand plants for the Arundel Corporation throughout Maryland and member of the back pew club at Grace Lutheran Church in Westminster; has died.

Mr. Beck was a wonderful man who always had a smile and something friendly to say when I would see in the very back pew at Sunday services at Grace Lutheran Church. More often than not, when Caroline and I served as ushers at church, we would chat with him and his wife, Mrs. Miriam Beck, a former board member of Carroll County Bank and Trust Company; about a wide-range of topics from banking, to economics, to current events and politics.

Mr. Beck will very much be missed. I would always look for him every Sunday at church.

http://kevindayhoffwestgov-net.blogspot.com/2015/02/ed-beck-member-of-back-pew-club-at.html

Obituary for Mr. Edward Raymond Beck February 12, 2015:

Edward Raymond "Ed" Beck of Berrett died Thursday, February 12, 2015 at home.

Born April 16, 1929, in Berrett, Carroll County, he was the son of Charles Raymond and Margaret Dorsey Beck. He was the husband of Miriam Freter Beck, his wife of 57 years.

Born into farm life, he began milking cows at age six and driving a tractor at age eight. He worked on the farm through his school years graduating from Sykesville High School in 1946.

Tired of farm life he enlisted in the Army in 1954. Following training in Manual Morse Code Interception he served in the Army Security Agency in Berlin, Germany intercepting coded messages sent from Communist countries.

Following his discharge in 1957, he was employed by the Arundel Corporation in Baltimore. At retirement in 1990, he was Operations Manager of Aggregates Production overseeing gravel, stone, and sand plants throughout Maryland.

Throughout his life he was an avid hunter, trap shooter, and lover of nature. Fishing and boating at the family retreat in Ozark County, Missouri were prized vacation activities since 1972.

Family always gave him pleasure, especially the musical events in which his daughters and grandchildren performed. In retirement, golfing and vegetable gardening were enjoyable pastimes as well as responding to family needs with his ability to repair, improve and even invent.

From birth he attended Messiah Lutheran Church next door to his family home and one which his grandparents and great grandparents helped found. He was confirmed there in 1943. He served on the Church Council, the Property Committee, as Treasurer, and in his youth dug graves to earn extra spending money. For the last twenty five years he had been a member of Grace Lutheran Church in Westminster.

He is survived by his wife, two daughters, Jenel and Mirrel, their husbands Wayne Witzke and Jeffrey Wothers, and two grandchildren Timothy and Zellie Wothers.

Surviving nieces and nephews are Wayne Weller and wife Darleen, Donald Beck, Jr. and wife Darlene, Robert Beck and wife Linda, Eva Hendrix and husband Brin, Charlotte Jay, Ursula Standifer, Lorna Dorn and husband Edward and Joan Cole and husband Charles.

He was predeceased by a sister, Madalyn Weller and husband Donald and a brother, Donald Beck and wife Edith.

Friends may gather at the Haight Funeral Home & Chapel, 6416 Sykesville Road, Sykesville on Sunday, February 15, from 1 to 4pm.

A celebration of Resurrection will be held at Grace Lutheran Church, 21 Carroll Street, Westminster, MD 21157 on Monday, February 16, at 10:30 am with his pastors, The Reverends Kevin and Martha Clementson officiating. The family will greet friends at a reception following the service at the church.

In keeping with his wishes there will be no viewing. At a later date his ashes will be distributed on the property he had lived on most of his life. This statement reflects his feelings: "I came from the earth, and I want to return to the earth."

In lieu of flowers, memorial contributions may be made to Grace Lutheran Church, 21 Carroll Street, Westminster, MD 21157, Carroll Hospital Center Foundation, 200 Memorial Avenue, Westminster, MD 21157 or to a charity of your choice.

To send flowers or a memorial gift to the family of Mr. Edward Raymond Beck please visit our Sympathy Store. http://www.haightfuneralhome.com/obituaries/Edward-Beck-2/#!/Obituary
http://kevindayhoffwestgov-net.blogspot.com/2015/02/ed-beck-member-of-back-pew-club-at.html
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Baltimore Sun Carroll Eagle: 



Twitter: https://twitter.com/kevindayhoff

Tumblr: Kevin Dayhoff Banana Stems www.kevindayhoff.tumblr.com/


Kevin Dayhoff is an artist - and a columnist for:

Twitpic: http://twitpic.com/photos/kevindayhoff

Kevin Dayhoff's The New Bedford Herald: http://kbetrue.livejournal.com/ = www.newbedfordherald.net



Smurfs: http://babylonfluckjudd.blogspot.com/

Google profile: https://profiles.google.com/kevindayhoff/

E-mail: kevindayhoff(at)gmail.com

My http://www.explorecarroll.com/ columns appear in the copy of the Baltimore Sunday Sun that is distributed in Carroll County: https://subscribe.baltsun.com/Circulation/


See also - Kevin Earl Dayhoff Art www.kevindayhoff.com: Travel, art, artists, authors, books, newspapers, media, writers and writing, journalists and journalism, reporters and reporting, music, culture, opera... Ad maiorem Dei gloriam inque hominum salutem. “Deadline U.S.A.” 1952. Ed Hutcheson: “That's the press, baby. The press! And there's nothing you can do about it. Nothing!” - See more at: http://kevindayhoffart.blogspot.com/#sthash.4HNLwtfd.dpuf
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Friday, February 13, 2015

The former owner of Bobby’s Hobby Lobby on Main Street in Westminster for over 40 years, Wanda Pease, died at age 86 on February 11, 2015

The former owner of Bobby’s Hobby Lobby on Main Street in Westminster for over 40 years, Wanda Pease, died at age 86 on February 11, 2015 http://kevindayhoffwestgov-net.blogspot.com/2015/02/the-former-owner-of-bobbys-hobby-lobby.html

February 11, 2015

Mrs. Pease was a remarkable person who owned and operated Bobby’s Hobby Lobby, a Westminster institution on Main Street in the middle of downtown, for several generations of Carroll Countians growing-up in an era long gone by.

Several years ago Mrs. Pease and Bobby’s Hobby Lobby was the focus of one or two articles I wrote for the Sunday Carroll Eagle section of the Baltimore Sun.

According to information e-mailed by a family member, her obit reads as follows. You may also find her obit and family arrangements at Fletcher Funeral & Cremation Services, P.A., in Westminster. Her obituary appears here: http://www.fletcherfuneralhome.net/obits/obituary.php?id=639899

Wanda Mae Spring Pease, 86, of Westminster, died Wednesday, February 11, 2015, at Copper Ridge.  Born May 9, 1928 in Great Cacapon, WV, she was the daughter of the late Zula L. Wisner Spring and Wilson Spring.  She was the former wife of Robert S. Pease.

She owned and operated Bobby’s Hobby Lobby on Main Street in Westminster for over 40 years.  She worked for Martin Aircraft in her earlier years and graduated from the Peabody Conservatory.  She was a member of the Westminster Retail Merchant Association, Carroll County Philatelic Association, Westminster United Methodist Church and helped start Westminster Fallfest.

She is survived by daughter and son-in-law Roberta and Brian Kasik of Randallstown, daughter Beverly Pease of Germantown, son Christopher Pease of Winter Garden, FL and many beloved friends.

She was predeceased by sisters Winifred Layton, Geraldine Cooke, Ada McNabb, Ina Spring and a brother Luther Spring.

The family will receive friends on Sunday from 2 to 4 and 6 to 8 p.m. at the Fletcher Funeral & Cremation Services, 254 E. Main St., Westminster.

Funeral services will be held Monday at 10 a.m. at the funeral home, with Rev. Marshall Green officiating.  Graveside services will be held Monday at 2 p.m. at Mt. Nebo Cemetery in Great Cacapon, WV.

Memorial contributions may be made to the Alzheimer's Association,

P.O. Box 96011, Washington, DC 20090-6011 or the American Diabetes Association, 1701 North Beauregard St., Alexandria, VA 22311.
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Baltimore Sun Carroll Eagle: 



Twitter: https://twitter.com/kevindayhoff

Tumblr: Kevin Dayhoff Banana Stems www.kevindayhoff.tumblr.com/


Kevin Dayhoff is an artist - and a columnist for:

Twitpic: http://twitpic.com/photos/kevindayhoff

Kevin Dayhoff's The New Bedford Herald: http://kbetrue.livejournal.com/ = www.newbedfordherald.net



Smurfs: http://babylonfluckjudd.blogspot.com/

Google profile: https://profiles.google.com/kevindayhoff/

E-mail: kevindayhoff(at)gmail.com

My http://www.explorecarroll.com/ columns appear in the copy of the Baltimore Sunday Sun that is distributed in Carroll County: https://subscribe.baltsun.com/Circulation/


See also - Kevin Earl Dayhoff Art www.kevindayhoff.com: Travel, art, artists, authors, books, newspapers, media, writers and writing, journalists and journalism, reporters and reporting, music, culture, opera... Ad maiorem Dei gloriam inque hominum salutem. “Deadline U.S.A.” 1952. Ed Hutcheson: “That's the press, baby. The press! And there's nothing you can do about it. Nothing!” - See more at: http://kevindayhoffart.blogspot.com/#sthash.4HNLwtfd.dpuf
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Thursday, February 12, 2015

Anarchist hackers go to cyber war with ISIS | TheHill

Anarchist hackers go to cyber war with ISIS | TheHill: "By Elise Viebeck - 02/12/15 06:00 AM EST


Anarchist hackers go to cyber war with ISIS | TheHill: "By Elise Viebeck  http://kevindayhoff.blogspot.com/2015/02/anarchist-hackers-go-to-cyber-war-with.html

The global hacker collective known as Anonymous is storming the international political scene with a brash hacking campaign against the Islamic State in Iraq and Syria (ISIS).  

 The shadowy anarchist group, which is known for waging online attacks on everyone from the U.S. government to the Church of Scientology, is trying to dismantle the vast social media operation that helps ISIS recruit new followers.  

 By exposing and disabling hundreds of Twitter accounts, email addresses and websites purportedly affiliated with ISIS, hackers with Anonymous are all but inviting the notoriously Web-savvy terrorist group to an online war.  

“In an interesting way, they are set up as perfect nemeses,” said Gabriella Coleman, anthropologist and author of Hacker, Hoaxer, Whistleblower, Spy: The Many Faces of Anonymous. “There are a lot of similarities in terms of how they use social media. It doesn’t surprise me that they would battle each other online.”  

 Anonymous first became a force online in 2003, when like-minded users of the website 4chan began staging pranks on social media networks...

[...]

http://thehill.com/policy/cybersecurity/232583-anarchist-hackers-go-to-cyber-war-with-isis

'via Blog this
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Tuesday, February 10, 2015

Maryland ranked one of the ten worst states for retirement in the universe


Maryland ranked one of the ten worst states for retirement in the universe

10 worst states for retirement By Chris Kahn • Bankrate.com

Not dated – Retrieved February 10, 2015

Retirement » 10 Worst States For Retirement

Follow us: @Bankrate on Twitter | Bankrate on Facebook


It's hard to be flexible on a fixed income. That's why some of America's prettiest, most vibrant locations are also some of the toughest on retirees.

They're usually more expensive, for example, with higher rents and more expensive restaurants. Tax rates also tend to be higher in urban areas. They also may not be as safe.

With that in mind, Bankrate ranked each state based on a variety of factors that everyone should consider before making a move into -- or out of -- their home state. They include a specialized cost-of-living index for retirees, crime statistics, tax rates and comprehensive weather data that factor in sunshine and humidity. Also new this year: Bankrate beefed up its ranking for health care quality, and consulted an extensive survey called the Gallup-Healthways' Well-Being Index. The index gauges the level of satisfaction residents report about their surroundings.

The states that fell to the bottom of our list still have a lot to offer. In fact, many are home to the top tourism destinations in the world. The problem, in the end, is that choosing a good place to retire isn't as easy as picking a vacation spot. Costs matter more. The local culture and infrastructure also matter.

Here, in descending order, are 10 of the lowest-ranking states for retirees based on our criteria.


[…]



The primary knock on Maryland is that it's more expensive to live there than in many other states. The cost of living for retirees is especially high, and residents pay one of the highest tax rates in the country.
Kevin Dayhoff is an artist - and a columnist for:

Twitpic: http://twitpic.com/photos/kevindayhoff

Kevin Dayhoff's The New Bedford Herald: http://kbetrue.livejournal.com/ = www.newbedfordherald.net


Smurfs: http://babylonfluckjudd.blogspot.com/
Google profile: https://profiles.google.com/kevindayhoff/

E-mail: kevindayhoff(at)gmail.com
My http://www.explorecarroll.com/ columns appear in the copy of the Baltimore Sunday Sun that is distributed in Carroll County: https://subscribe.baltsun.com/Circulation/
+++++++++++++++

Maryland ranked one of the ten worst states for retirement in the universe


Maryland ranked one of the ten worst states for retirement in the universe

10 worst states for retirement By Chris Kahn • Bankrate.com

Not dated – Retrieved February 10, 2015

Retirement » 10 Worst States For Retirement

Follow us: @Bankrate on Twitter | Bankrate on Facebook


It's hard to be flexible on a fixed income. That's why some of America's prettiest, most vibrant locations are also some of the toughest on retirees.

They're usually more expensive, for example, with higher rents and more expensive restaurants. Tax rates also tend to be higher in urban areas. They also may not be as safe.

With that in mind, Bankrate ranked each state based on a variety of factors that everyone should consider before making a move into -- or out of -- their home state. They include a specialized cost-of-living index for retirees, crime statistics, tax rates and comprehensive weather data that factor in sunshine and humidity. Also new this year: Bankrate beefed up its ranking for health care quality, and consulted an extensive survey called the Gallup-Healthways' Well-Being Index. The index gauges the level of satisfaction residents report about their surroundings.

The states that fell to the bottom of our list still have a lot to offer. In fact, many are home to the top tourism destinations in the world. The problem, in the end, is that choosing a good place to retire isn't as easy as picking a vacation spot. Costs matter more. The local culture and infrastructure also matter.

Here, in descending order, are 10 of the lowest-ranking states for retirees based on our criteria.


[…]



The primary knock on Maryland is that it's more expensive to live there than in many other states. The cost of living for retirees is especially high, and residents pay one of the highest tax rates in the country.

Beware of currency conversion fees By Claes Bell, CFA • Bankrate.com

Beware of currency conversion fees By Claes Bell, CFA • Bankrate.com


[…]

Rick Steves’ Europe: Card Fees (and How to Avoid Them) http://kevindayhoff.blogspot.com/2015/02/rick-steves-europe-card-fees-and-how-to.html

By Rick Steves https://www.ricksteves.com/travel-tips/money/card-fees Retrieved February 6, 2015 https://www.ricksteves.com/Capital One has a particularly good reputation for no-fee international transactions on both its credit cards and its debit cards linked to a checking account. Most credit unions have low-to-no international transaction fees. Bankrate has a good comparison chart of major credit cards and their currency-conversion fees….


Beware of currency conversion fees By Claes Bell, CFA • Bankrate.com


Credit Cards » Beware Of Currency Conversion Fees

If you do a lot of international traveling, you've probably been stung by an unpleasant surprise lurking at the bottom of your bank statement or credit card bill: a currency conversion fee. While the CARD Act has done plenty to reduce sometimes exorbitant credit card fees, it left currency conversion fees untouched, ensuring travelers will have at least one unpleasant vacation memory.


Consult this chart to see the fees charged by the largest U.S. credit card issuers. http://www.bankrate.com/finance/credit-cards/beware-of-currency-conversion-fees.aspx

Capital One

ATM withdrawal: None for online accounts, $1.50 for some accounts opened in bank branches

Credit card purchase: None

Debit card purchase: None

Credit card cash advance: None


Fees charged even if transaction is in U.S. dollars?: No
*****

Rick Steves’ Europe: Card Fees (and How to Avoid Them)




Travelers returning from Europe often open their mail to discover they paid more for their trip than they thought they had. Over the last decade, banks have dramatically increased their fees for overseas transactions. While these fees are legal, they’re basically a slimy way for credit-card companies to wring a few more dollars out of their customers.

[…]

So, how can a smart traveler avoid — or at least reduce — these fees? Here are a few suggestions.

[…]

If you’re getting a bad deal, get a new card. Some companies offer lower international fees than others — and some don’t charge any at all. If you’re going on a long trip, do some research and consider taking out a card just for international purchases. Capital One has a particularly good reputation for no-fee international transactions on both its credit cards and its debit cards linked to a checking account. Most credit unions have low-to-no international transaction fees. Bankrate has a good comparison chart of major credit cards and their currency-conversion fees.

[…]


Avoid dynamic currency conversion (DCC). Some European merchants — capitalizing on the fact that many Americans are intimidated by unusual currencies — cheerfully charge you for converting their prices to dollars before running your credit card. Read more: https://www.ricksteves.com/travel-tips/money/card-fees

Related articles

*****

Memo to Md Gov. Larry Hogan: Always understand the context in which you serve.


The newly-elected Md. Gov. Larry Hogan, is a likeable-enough guy; but now is the time to stop campaigning and start governing.


Kevin E. Dayhoff, February 9, 2015

Apparently, the Baltimore Sun sees it as many do; now is the time for Gov. Hogan to govern. Gov. Larry Hogan’s State of the State address February 4, 2015 http://kevindayhoff.blogspot.com/2015/02/maryland-gov-larry-hogans-state-of.html was a page from the playbook of President Barrack Obama that has failed so miserably.

That is, know when it is the time to be a statesperson and govern and when to stop campaigning.

Now President Obama cannot help himself. He suffers from a destructive narcissistic personality disorder.

But the newly elected Republican governor of Maryland ought to have known better.

As much as many in his base agreed with every comment uttered in the state of the state address, it was mistake to say it. We get it. And it was an unnecessary exposure to say it.

To say much of what he said in the hallowed halls of Md. State Senate President Mike Miller and Md Speaker of the House Mike Busch is tantamount to the old adage, don’t tug on superman’s cape, and don’t spit in the wind….

Now is the time to move-on to the business of governance in the Maryland General Assembly, a government whose feudal middle-ages roots were laid before the birth of the modern Westphalian State in 1648 - a medieval byzantine environment that is ruled by feudal lords of the manor that are inherently hostile to dissent and have no concept of accountability or being held responsible for their behavior.

The governor should take a memo; now is the time to stop preaching to the choir and reach out into the Maryland General Assembly audience and start winning folks over. In this business one accumulates enemies, do not go out of your way to make any.

All the state of the state did was feed red meat to the liberal lions of the Maryland General Assembly and they reacted predictably. It was the mistake of someone who had never held elected office before. It was the sophomoric mistake of a rookie and candidly, the governor is surrounded by enough veterans that the mistake ought to have been avoided.

That said, it is often been stated that the reaction to a problem is often as critical as to the problem itself. Fortunately the governor is a likable-enough guy who roots in real estate transactions have taught him that it is better to be loved than feared.

The Senate President on the other hand, is so powerful – arguably one of the most powerful elected officials in the entire nation - - that he does not care whether or not you like him. He is simply to be feared.

In this case the reaction by the Senate President Mike Miller was the mistake of someone so arrogant as to believe that he so powerful that the rules do not apply - that he would not be held responsible for his actions or behavior. President Miller’s behavior was a manifestation of how dare this conservative Republican upstart tread into my pond and row around spewing such blasphemy.

It brings to mind another rule: Always understand the context in which you serve.

Candidly, if the shoe were on the other foot, and a liberal had rowed into a conservative stronghold and thumbed their nose at the powers-that-be; conservatives probably would not have reacted any better. We hope they would have, but maybe not.

In this case, the case of the Senate President; the reaction was so over-the-top and cringe worthy that even the Baltimore Sun cringed.

Read the first two paragraphs of the Sunpapers’ response here and be sure to go to http://www.baltimoresun.com/news/opinion/editorial/bs-ed-hogan-miller-20150209-story.html and read the rest. It is well worth the time.

Baltimore Sun Editorial: Miller overreacts, Hogan benefits February 9, 2015


We doubt Gov. Larry Hogan intended to make Senate President Thomas V. Mike Miller's head explode with his State of the State speech last week, but it might wind up working out for him politically, if not for the people of the state substantively. The governor's address was heavy on recycled bromides from his stump speech and not equal to the occasion, but it looks downright statesmanlike in comparison to the ensuing petulant overreaction from the Senate president and his loyal lieutenants. Nonetheless, it may have given Democrats an excuse to kill legislation they didn't like anyway.

On Friday, the Senate delayed confirmation votes for the first five of Mr. Hogan's cabinet secretary nominees to come before it, and senators were not at all subtle about the connection between that decision and the State of the State speech. The contrast with Mr. Miller's attitude on the opening day of the legislative session, when he predicted before even holding any hearings that all of Mr. Hogan's nominees would be confirmed, is not flattering. It suggests that the Senate's role to advise and consent is a function of the Senate president's mood and not the quality of the nominees… http://www.baltimoresun.com/news/opinion/editorial/bs-ed-hogan-miller-20150209-story.html

Also be sure to read: Miller’s joke with one appointee could prove prophetic By: Bryan P. Sears Daily Record Business Writer  February 9, 2015 http://thedailyrecord.com/2015/02/09/millers-joke-with-one-appointee-could-prove-prophetic/
*****

Millennials Shying Away From Credit Cards? | Bankrate.com By Jean Chatzky


I found this fascinating... Millennials Shying Away From Credit Cards? | Bankrate.com By Jean Chatzky  http://kevindayhoff.blogspot.com/2015/02/millennials-shying-away-from-credit.html

http://www.bankrate.com/finance/video/credit-debt/millennials-arent-using-credit-cards.aspx

Millennials Shying Away From Credit Cards? | Bankrate.com: "How many credit cards do millennials have in their wallets on average? One, three, five? Surprisingly, the answer is closer to none, according to a new Bankrate study of millennials and their money." Read more: http://www.bankrate.com/finance/video/credit-debt/millennials-arent-using-credit-cards.aspx

'via Blog this'
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