According to the agreement signed by the two billionaires yesterday, BTG will provide financial advice, lines of credit and future long-term capital investments in projects.

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Users of the site offered advice on hacking, stealing credit cards and how best to use stolen cards without getting caught, according to criminal complaints unsealed in Manhattan federal court Tuesday.

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Neither Rick nor Glenn will listen to his advice, though to his credit he remains Zen in the face of constant dismissal.

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To those who call seeking advice, I tell them: Don't shop alone and get rid of your credit cards and checkbooks.

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What supply-side measures Mr. King had in mind he refused to say, although it is notable that the Treasury last year rejected his advice to underwrite a further recapitalization of the banking system to free up the supply of credit.

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Therefore, the best advice for people with bad credit is to dilute the negative information by maximizing the amount of positive information coming into their credit report on a consistent basis.

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Later this year it will add computer-packaged stock portfolios (of the sort pioneered by FolioFN) and then electronic advice service, with combined debit and credit cards to follow.

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To their credit, President Bush and Secretary of State Condoleezza Rice have already rejected the advice of the Iraq Surrender Group and its former member, newly installed Secretary of Defense Robert Gates, to begin negotiating with the Iranian mullahs.

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The credit crunch shrank interest rates significantly to the dismay of millions of borrowers who followed the advice of professionals or saw the risk without external influence.

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