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Terry, you've hit the nail on the head, and I'm sure many will chime in with commentary. On the credit card thing, I received an offer to sign up for a NPF Visa card this week, and with all due respect I circular filed it. According to the extremely fine print, while the interest rate starts at 3.3% until October 1999, that is not the whole story. If, before October, you're late with a payment once, the rate goes up to 9.9%; if late twice, to 22.9%. Hardly a good bet if you want to consolidate bills and carry a hefty balance. Of course, none of us are ever late with our credit card payments :-) I've had my Nature Conservancy MasterCard for years at 18.8%, and my basic approach is to try not to use the darn thing too much. In a weird way, a low interest rate is license to spend because it's "cheap" money. But you still have to pay it back! Rick, self-diagnosed cheapskate >From: Terry Kempf <[log in to unmask]> >Subject: Organizations > >I'm new to this list. Only a few months. So maybe this has been discussed >before. > >The credit card money goes to Parkinson's Alliance. >The PD handbook is from the American P D Association. >The drug book was from National Parkinson's Foundation. > >How many groups are there? These are all USA groups, at least >the bottom two. When we raise money who should it go to? >Is there a lot of duplication and waste of money with so many >groups. > >Has this been discussed before? > >Terry 55/52.5/? > Rick Hermann SPIE Press Manager SPIE-The International Society for Optical Engineering P.O. Box 10, Bellingham, WA 98227-0010 Phone: 360/676-3290 * Fax: 360/647-1445 * Email: [log in to unmask]