Okay, it’s been awhile since I’ve been in the mood to write; please forgive me.

 But I was incensed today when I saw a Bank of America advertisement.  It said some crap about "$225 per month…what can you buy with that?  A nice dinner out, or a home improvement"  Seriously?  Its premise was that if you took out a $40,000 home equity loan, your payment would be $225.  But dinner, for $225?  Is that really true for the price range of people that would be taking out only $40,000 for home improvement?  I doubt it.