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...you could always still adopt, I'm not usually too picky on who names their kids after me.
Seriously, I'm glad as hell the information helped. I like to treat the banks as I do the insurance companies, make me the best offer and we'll talk, otherwise I'll walk. Most of them count on us being too lazy to shop around and most are shocked when we do and drop them to go elsewhere.
For instance, most people don't realize that you can get 4.5-5% return on a basic online savings account with banks such as Captial One, Citibank, etc. No minimum deposit... withdrawals when you want...same protection...easy to move money online in and out of other accounts. (Ask your local banker about it and watch them spitter and sputter). But, again, most people just don't take want to take a few minutes to save a few thousand...although they do seem to have the time to sit through "American Idol" and vote online.
So, pat yourself on the back too for taking the time and effort. Most people don't.
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