This is a good idea . I get probably 5 or 6 pieces of mail informing me that I can refinance to a slightly lower rate and have no payment for a month or two . I ' ve even gotten some showing me how much I ' d ' save ' if I did an ARM . Which I thought were largely illegal now ? . I ' ve been in the house for about 9 months now , so hopefully that shit dies down . It ' s super annoying . <| sep |> Not enough cock <| sep |> APH 2000 shares 5 . 03 out at 5 . 09 , easy $ 100 . I use a similar style as you but I don ' t like trading down trending days , you inspired me anyways . <| sep |> Critisism needn ' t come from opinion when discussing how systems operate , as your initial critisism obviously tried to do . It is not a manner of opinion if I tell a friend that they use you ' re in place of the possessive your , rules of grammar are preestablished , and not subjective . Your revised critisism isn ' t really much better . You are claiming that somehow your preferences are qualitatively better , even though the supposition they rest in doesn ' t at all align with reality .