I bought your book after seeing you on the Oprah Winfrey show. The first thing I did was call my credit card company and ask for a rate decrease. I let them know that I had compared rates on bankrate.com and they decreased my apr by more than HALF!!! Thank you, thank you. I am plowing through the rest of my to dos now and can’t wait to get them all rolling. Thank you for giving this great information to everyone!