Heric:

My house is paid for. I am smart enough not to be suckered by slick mortgage sales people, but I am a native English speaker, college educated and hard trained in the school of hard knocks.

If I were gullible, excessively jopeful, or desperate I have had thousands of opportunities from these same hucksters to go into debt above my means to handle it.

None of them appeared to have any qualms about inviting, pressuring or luring me into a precarious situation.


A