Cool

I am proud of you for being able to clear off your debt and yes, it's the privileges we acquire from internet money... Smiles

I must thank @belemo for explaining the HF for you in clear and simple terms

Yeah, I saw the twitter post by @finguru too, and he promised me that I will benefit a lot from always Sharing my posts on twitter. This month I will try and remember to do that as often as I can

Great picks, I will find time to visit the posts I have not visited so I can learn one or two things from them

Thanks for sharing them