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I locked in alot of mortgages at 4.8375. The cost to refi is not so bad... it will take about 10 months to break even - its month 3-4 now. I have to wait for a year or else I get stiff penalities. I may pay the penality just to get to the low 4% range and stick it out. But it will save...

OH well.... I knew Arizona was a longshot. But damn.... nearly 40 points. maybe next year they won't underrate Arizona so badly. -bix

double post!

<object width="325" height="250"><embed src="http://www.youtube.com/v/youtube" type="application/x-shockwave-flash" width="325" height="250"></embed></object> I can't find Jim Croce's "time in a bottle".... He wrote it for his little son.

They'd have to find out where you lived first.... thankfully there are 3! Count'em 3! people with my same name in Irvine.... Sheesh... -bix

While generally I agree that alot of MBA's are not exactly worthwhile, I do believe any and all education is worth it. I also believe that alot of education institutions have made their places "diploma factories", just add $$. Bush is a prime example that wherever you are, money makes...

:lol: Photoshop?

What can I say, I love to make jewerly.... 2.55ct White Sapphire (can see some flecks of blue and yellow) and 19? .03 ct diamonds (VVS1, E-F color). Its part of her ballroom jewerly. <img src="http://i62.photobucket.com/albums/h111/bisquick06/Sapphire2.jpg" alt="" /> -bix