You're right, gnat_, I wouldn't do coins. I've read some informative threads on coins, but it won't work for me.

Actually, I should say I've read some informative threads on just about everything here on FT. I discovered FT not too long ago and have I learned a lot from fellow FTers - you all are so generous about sharing knowledge/info!

I am hooked, not on coins...hooked on accruing points/miles! For instance, now instead of paying for purchases on Amazon.com with my AMEX, I go to the grocery store and buy Amazon.com GCs and get twice the points, then I go online and pay for my purchase with the GCs. I make Mr. love2ft buy his Peets/Starbucks cards at the grocery for the same reason...hey, it adds up, right?