OK, it would be really nice if I had so much money that I could afford to maintain a healthy padded balance in all of my accounts, but I don't. I'm not starving in the streets but neither can I afford the luxury of just having a couple hundred dollars sitting in my account, not doing anything for me. I think I'm like most people in this respect:
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Since I keep a secondary checking account with pretty much the same little-amounts-of-money for pretty much the same exact purposes that you do, I am off to do some reading now. Thanks for the heads-up.
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