In fat, I would take it further.

Most of my tenants only have cell phones anyway.

So, for a 4%, 30 year, $100,000 loan, you would put in:=PMT(4%/12, 30*12, 100,000)Really, I put the inputs in different cells and refer to the in the forumla.

Pigs get fat.

The attendees are just wanting to get it done, adn are on the cell phones, texting, checking e-mail, doodling, doing nails...and the instructors are just giving the answers that will be on the test.Obviously this is painting it all with a broad stroke, but I think you get my point.

(Yes, you can call me a multi-tasker, been called worse.)I also just realized that a possible record was just set today, my cell phone never rang once!

They want you to text so they have your cell # and can call to give you the hard core pitch.

Say that you're thinking about buying one and ask if they like it.If the appraiser is fat, talk abut area restaurants.

Get the deal before it hits MLS or the steps to REO. 2014 will be alot of out bound marketing and taking alot of cell phone calls looking for deals.

When he didn't get us on the phone due to the terrible cell reception he didn't come out until I called back.The temperature only dropped to 60 so I did not run and get electric heaters.