I also hear you might want to consider reading up on mortgage rates, how they're due to drop in the next week or two and how using that knowledge to your personal best effect will:
1) improve your sex life no end
2) save you money in the long run (someone say guns?)
3) re-read 1) and 2) above - if they're not compelling arguments you need your head read.
... as you were...
... this message was sponsored by the letters "A" and "J"...
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