As do I. I have to say, though, that the smartest best cash-for-karma purchase in the game is (drumroll please) ... Rating 3 learning-stimulus neural amplifier hard nanobots, with (if your GM allows it) an external R3 hard nanohive. At a functional 17,000¥ per level, you pay 51,000¥ for an up to 3-karma reduction in every level of Language or Knowledge skills you take. Combine this with an adept's linguistic ability, and you could be speaking any language at a rating of 4 for a cost of 3 karma, a reduction of 70% - and knowing any skill at 4 for 4 karma, a reduction of 60%, and with an essence impact (again, if your GM allows you to purchase one at the same price, but outside of your body, requiring that the nanites be injected) of 0.
Mmmm, sweet sweet karma.