It'll be like 2009 refi bumped rate no closing costs, 2011 refi bumped rate no closing costs , and BAM Jan 2013 spending a crap on points final refi 2.5% 30yf never selling that house never refinancing it again (Jan 2013 b/c you can only see the true true floor a month or two in hindsight).

You were dealt a bad hand, "the man" is keeping you down, you're a minority and can't get ahead because of slavery/racism/whatever, you're a single mom, you were raised in poverty by alcoholic parents that kicked the crap out of you on a daily basis, you can't find a good job, your market is too expensive . . . 

We're good for a year.A lot of people are spreading a lot of BS about respiratora, simplified crap they heard on BS media and are repeating word-for-word.

They are crap.2. 

Crap!

Its a crap hole.  

It seems like a crap shoot.

We've got months of this crap ahead of us and when it's over, people are going to be thinking very differently about all sorts of things.

Trying to time the stock market is a total crap shoot. 

EXACTLY.Some of us (ethical marketers) have been speaking ou tloud telling others that those shady forms of marketing is CRAP!"