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A WORD TO THE WI$E: 
 
During our years at Harvard, one of my roommates decided to begin his own business 
...on our dining room table. 
 
During initiation, he applied for as many major, unsecured credit cards as possible, purchased a small $10.00 or $20.00 item with each, fully paid the balances due within the first three weeks, and kept the balances as close to $0 as each respective creditor would allow. 
 
He, then, used the aggregate of his more than forty $0-balance credit cards as collateral for an optimized business loan, in order to finance his custom-computer company.
 
As a direct consequence, within fewer than three years, even his personal net worth was greater than nine million dollars ...any questions?    
 
Yours in cyberawareness,
 
J. G. Smith
President and Chief Executive Officer
 
 
DAYTON WAY
 
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