Moving on to the Brightside Part 29

[AndrewP]

I don't know much about it but re-fi seems to be a bit of a coin toss. Here at least you would need to pay a penalty for paying out the old mortgage early plus other sorts of fees. When I bought my ex out of the house I focused on keeping the payments the same as that was what I was comfortable having in my budget. I can do lump sum payments once or twice a year I believe without any penalties.

When you get to be an old f@rt like me back issues are no joke. When I throw mine out by doing something foolish like tying my shoes it can take up to 6 weeks to get back to normal. You are a pretty fit guy so hopefully it's better quickly.