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A senior lady consulted the doctor about her constipation.
"I haven't moved my bowels for ten days", she said.
"Oh dear," said the doctor"Yes I can see why that would be a problem. Have you done anything about it?"
"Yes," she replied. I sat in the toilet for three-quarters of an hour in the morning and then again in the evening."
"No," said the doctor. "I meant do you take anything?"
"Of course I do," she replied. "I take a book."
 
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BANK LOAN sounds plausible to me...but do this when you are young & you wont even do any time. Its a win, win all round.
 
Back when we had a mortgage when we bought our first house on coming to Australia it was set to be paid off in 17 years. We cut that by half by always paying off the instalment just before it was due. We found this cut down on the amount that was still owed as, if you paid at the time it was due they had already added the next months interest to the loam. By paying it a week before it was due, we paid before they added further interest to the loan.
 
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