Ringtone.  I heard a song the other day that reminds my husband and I of one of a few mortgage lenders  that we met when we wer looking at houses.  We were at a workshop that was offering us $5000 down payment on our first home.  (If you are looking at buying your first home, look into Neighborhood Housing Assistance in your area.  See if you are in the bracket in which they can help you.)  This guy was giving a speech about borrowing money from a bank and his phone starts ringing.  It is not a normal tone, its actually the song “Laffy Taffy ”.  No matter when we hear that song, we think of this guy and how unprofessional that was.  So be careful.  That’s partly why 90% of the time I have my phone on vibrate. 

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