uciflylow above just pointed out how bad it is to use formulas. Thank God he didn't rely on that website as many do.
Far too many people see fancy sites with formulas and end up really wasting a chunk of money and time. Nothing beats a real person, even on the phone. Always talk to a real person that knows. Not just some computer or a guy on the phone inputing your numbers on the computer.
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Xavier Cintron - www.bullteksports.com