I've never been able to hear their conversations only their walking and rapid bed movements.

So I guess the whole conversation is a moot point. 

Being able to talk to a stranger and then turn them into a friend over a short conversation because you both have seen and found common ground was the most exciting part of living aboard.

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Especially because my stocks are even riskier (but my stocks are ok. high risk, short time, it already worked, its been great, long story, doesn't matter.)I havent had an official conversation with her on the topic, so Im not sure about rates but the highest rate she ever said was 11% she didnt mention points.

I prefer to come up with something that flows naturally that you can organically expand upon in the conversation.

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But you can't tell if that's a good lead or a motivated seller until after the conversation.