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To: Tradelite who wrote (2508)	4/30/2002 6:03:51 PM
From: GraceZ	Respond to of 306849

My home equity line of credit is self renewing every year, there's no term limit on it. I've had a term loan that was also a home equity as well and that was five years. I used it to pay for my pool but the line of credit operates similarly to a credit card, it is revolving and as long as I pay it on time I can pay one month and borrow back the next indefinitely.

To: Tradelite who wrote (2508)	4/30/2002 6:35:48 PM
From: Tradelite	Read Replies (2) \| Respond to of 306849

<<you compare your situation and what is good for you with someone who has a history of credit abuse>> I think we just hit on something significant to the apparent lack of communication existing on this thread. NO WAY am I talking about people who have history of credit abuse. I've seldom met those types of people who are in that type of pickle, and I don't seek them out. Also assume most of the people on this thread are not in that category?????? Right or wrong? Second question: does the question of managing money necessarily revolve around those people who don't manage it properly?