To go along with the new focus of RinkWorks, I would like to post an entirely serious and completely not illegal Get Rich Quick Scheme --er, Short-Term/Long-Term Estate Plan. A brief but important notice: neither I nor Dave Barry made this up and neither of us can be held responsible in the unlikely event that anything goes wrong, with the possible exception of Mr. Dave Barry. There is no way this could fail, even if you're illiterate and the unknown offspring of an unknown union. To receive a free brochure detailing this exciting new plan, simply send a check or cash in the largest amount you are able to my address, or continue reading below for free. Returned checks will incur a fee of $25.

A diminutive but financially astute anonymous mother revealed to this future investor a non-scam credit card trick that nevertheless feels like a delightful scam. Simply aquire several credit cards with no fees that pay you money for using them (including some of the billions of varieties of Visa and MasterCard). Use one, but don't go into debt, then pay that first credit card off with the second, followed by the next, and through the string of cards until the last one is paid off with money that you already had and planned on spending so that you don't go into debt. A brief but important notice: don't get into debt. The result of this is that you don't get into debt, and the companies pay you enough money to buy your Christmas gifts at the end of the year.

Not to be outdone in riskiness, an anonymous future investor has come up with another model. Using those essentially free credit cards, invest *half* of them, up to their maximum allowed credit limit, into a tidy money market fund. After a fortnight but prior to half a month, invest the maximum credit limit of *the other half* of the credit cards and then withdraw enough money to retire the debt of the first half. Repeat indefinitely, rotating the balance of the money market fund between the two groups of credit cards. When desired, retire all the debt, which should never have incurred a single cent in fees, and keep all the interest earned for yourself. I don't see how this could fail.

gab"A brief but important notice: any or all of the above may be illegal or otherwise inadvisable"by