Several years ago, my son was living with us while he went back to school. Students are usually short of cash, so when my wife and I went on a small vacation, I gave him one of my credit cards for “emergencies.”

Three days later, sitting beside a pool in Palm Springs, my phone rang. My credit card company advised that my card had been stolen and was cancelled. It was used in a college book store and pub, and the total amount involved was less than $100.00. Apparently, …
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