for example, my son loves to throw snow balls at my camera lens! whether up front or behind the scenes. you can use them to filter out the stuff that you are interested in. although this is ideal for the big games, it can also be an excellent idea for smaller games that you may not be able to see elsewhere. 4 – start early but not too early! when you make a payment, are you basically paying for the interest only with nothing or barely nothing going towards the principle amount that you owe? thank you so much for reminding me!! 