Hi Carl,
CO>One needent do without if he or she can afford the item or items.
CO>However, a phone isn't a necessity. Yes, it is nice to have one, but one
CO>can live without one. Thus it is a luxury. I'd hate to live without a
CO>phone or computer, but could if I had to. My finances are my guide.
Well simply put, my cellphone is vital to my business operations, so it 
is a necessity. I lived without one for many years, but since I got it, 
I have made more money by always being available to accpt jobs.
Cheers - Ziggy
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