Marc's Mortgage Matter's

Some experts believe that, as a typical consumer, my financial well-being can be measured by 5 basic indicators: job creation, changes in real wages, changes in home prices, changes in equity prices, and access to credit. Let’s see… mortgage bankers (and others in many other industries) are seeing “negative” job creation, my real wages are down because I am spending more on food and gasoline, my home has probably gone down in value (but I am too afraid to look!) so I have less equity, and not only do I pay 18% on my credit card but my HELOC is frozen. Wake me up when this is over… Calgon, take me away…

In the hospital the relatives gathered in the waiting room, where their family member lay gravely ill. Finally, the doctor came in looking tired and somber. "I'm afraid I'm the bearer of bad news," he said as he surveyed the worried faces. "The only hope left for your loved one at this time is a brain transplant. It's an experimental procedure, very risky but it is the only hope. Insurance will cover the procedure, but you will have to pay for the brain yourselves...”
The family members sat silent as they absorbed the news. After a great length of time, someone asked, "Well, how much does a brain cost?"
The doctor quickly responded, "$5,000 for a male brain, and $200 for a female brain."
The moment turned awkward. Men in the room tried not to smile, avoiding eye contact with the women, but some actually smirked.
A man unable to control his curiosity, blurted out the question everyone wanted to ask, "Why is the male brain so much more?"
The doctor smiled at the childish innocence and explained to the entire group, "It's just standard pricing procedure. We have to mark down the price of the female brains, because they've actually been used."