Don’t base your love on credit, or when you try to get you-know-who to pay up, the check could just come back marked insufficient funds. In other words, if someone has repeatedly proved untrustworthy and unreliable, why are you keeping them around in your life? Do you still secretly believe that somehow it’s your fault that they can’t be counted upon? What a load of hooey. You deserve better, and you know it. — for once i get good advice from yahoo.