The summit of happiness is reached when a person is ready to be what he is. Desiderius Erasmus

How to Avoid Alcohol While at College: 6 steps (with video) - wikiHow http://ping.fm/X6owM

Here are the rates for January 5th 2011
CONVENTIONAL 30 YEAR FIXED: 4.750% / 0.750 PTS / APR: 5.4905 *** 4.875% / 0.125 PTS / APR: 5.5501 *** FHAVA 30 YEAR FIXED: 4.750% / 0.000 PTS / APR: 5.4547 *** FHAVA 5/1 ARM: 3.250% / 0.000 PTS / APR: 3.0766

The best way to compile inaccurate information that no one wants is to make it up. - Scott Adams

Beware of geeks bearing formulas. Warren Buffett

"Getting my lifelong wght struggle under control has come from a process of treating myself as well as I treat others in every way."Oprah Winfrey

How to Set Your Sights on a New Job in the New Year - wikiHow http://ping.fm/XD0lD

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Marine from Maryland killed in Afghanistan the first day of 2011 http://ping.fm/l2Fkp

Partial Solar Eclipse Amazes Skywatchers in Europe - CBS News http://ping.fm/rtHWg