After all, does anyone know: - Taking a year off a mortgage will increase payments by about a buck per ten thousand?- Making minimum payments on a $2,000 credit card will take over 18 years to pay off?- The tools to purchase a vehicle: Do you lease or finance? Take the rebate, cheap finance rate, no payments for six months, or free vacation?- The insight into FICO scores and how lenders use it as their main criteria in making a decision.