The phone rang and the lady of the house answered, “Hello?”
It was a salesman calling from a mortgage refinance company: “Do you have a second mortgage on your home?”
“No,” she replied.
“Would you like to consolidate all your debts?”
“I really don’t have any debts,” she said.
“How about freeing up cash for home improvements?” he tried.
“I don’t need any. I just recently had some done and paid cash,” she responded.