Timing is everything

Now that I'm in the process of applying for a mortgage, I am amazed at how much of the spam I get is about "your loan application," etc. Obviously, I have been getting it all along but not noticing it. (I'm sure that if I suddenly grew a penis and wished it were larger, I'd marvel at how many emails I was getting offering me ways in which to make that happen, too.)

However, it's not just because I'm ready to cash in some mutual funds that the stock market is in a state of upheaval - that's just my dumb luck.