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Month. you say thats not a good idea. why? >> well, the way i say it is you should use your credit card for convenience and to build those good credit references so that you can then invest in debt and get the best rate. use your credit card for expenses, routine expenses that you can pay in full and occasional special occasion like a vacation or holiday gift. but then pay it off quickly and then that builds your credit scores in the very best way to be so when you get ready to invest in a house...

Theyre funny. theyre not irritating. >> i think when something is a little irritating, we go one of these days. youre too young. >> jackie gleason. one of these days. >> one of these days, p.o.w. >> thats what we do when were a little annoyed and we start to laugh. its like because its silly. >> got to laugh. >> rick: fox news bill hemmer getting a unique behind the scenes chat with the romney family. >> jamie: its graduation season. that means plenty of firsts for former students. what can pare...