I keep getting refinance offers. My house is paid off. Why would I take out a mortgage on my paid for house, other than to get a down payment on new property? Even that's a last resort. Oh, yeah, gotta get that new plasma screen, I guess....
Between the refinance offers, credit card offers, and car loans, I get around 20-30 pieces a week. Makes me crazy. Funny thing is, none of these people would actually want to follow through with me right now. My credit is terrible. Ah, well. It's good for lighting fires when I have a burn pile....