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					Originally Posted by Kevy Baby  As opposed to the .25% interest I could be making in a savings account? I would rather have the padding and get a small windfall every year than to have to write a check on April 15. | 
	
 Don't forget to add in the finance charges on the credit card balance. 
I use 
smartypig.com to move a small amount each month so I still get the "windfall".  In fact (true story) my 2011 balance is paying for my trip to DLR next month.