Even if you're smart enough to close them down, the credit score will be damaged if you do more than two or three, and most people do.

In the long run it is no. No. It will definitely do more damage than that 10 percent to 20 percent it saves you.

It's all being buried with me, ... All copies of the two trilogies will be brought to my gravesite within one month of my death and laid to rest with me.

I feel if I make the cut I will play well on Saturday and Sunday,

It's going to be weird. I don't know if it will be (beneficial). I think both of us will try something, because this is what it's all about.

Retiree medical expenses are the big wild card. Most people will probably spend a lot more on medical expenses when they retire.