Cool Tuesday

[carold]

Barbie, we winter in Sarasota and lived in Tampa for over 30 years, so let me know if you're coming this way. Liz, has family in Tampa also and JoanE is here in Sarasota. We're in Wake Forest visiting GKs and getting ready for our Europe trip. It's getting close. carold

[Bethers]

Sarah, if you refinance, make sure it doesn't have a prepayment penalty - then, if the payments truly are half - most months pay your old payment. If you do that the first year, you'll have knocked a couple years off the length. Even if you only do it every other month! And if you can force yourself to do it every month - you probably can cut the years way down ... have someone figure that out for you! The good thing is you don't HAVE to do it all the time, or at all - so that when you want/need that extra money to play - you can use it that way.