That could affect your rating anywhere from 20 to 60 points. And that in turn, could affect if you get a 6 percent mortgage or a 5 percent mortgage.

One of Toro's largest end markets -- golf -- appears to be poised for a long-awaited rebound. The residential piece of the market is gearing up for strong promotional activity, which bodes well for the fiscal second quarter.

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.

I loved photography and everybody said it was a crazy thing to do because in those days nobody made it into the film business. I mean, unless you were related to somebody there was no way in.

I was never interested in being powerful or famous. But once I got to film school and learned about movies, I just fell in love with it. I didn't care what kind of movies I made.