Hello. FYI, This is a biased poll. When you said you never in over 15 years carried a balance, you tainted the responses. Next time, avoid commentary if you want to want to run real research.

Karen,

First off, this isn't intended to be a 'real' scientific poll. Rather, I'm just trying to get a feel for how people that happen across my site tend to think about money. There are actually much bigger issues than my personal disclosure that are at work here -- for example, if I was truly worried about running 'real research,' then I wouldn't place a poll like this on a personal finance weblog. Clearly, the readership that will happen across it is far from a random sample. Also, all responses are anonymous (even comments, if people wish them to be), so I seriously doubt that my disclosure will shame people into not answering, or changing their answer (this seems to be what you are implying will happen).

--nickel