Not a lot of time today. We’re working on getting a re-fi with our original mortgage company.
Hopefully, this will get us away from Citigroup and drop at least a full point off our interest rate, saving us $150 a month and possibly six figures in interest over the life of the loan (if I were to let it go that long). Since we’re doing it within a year of the original closing, there is no appraisal and all the BS that goes along with it.
It was nice to see that our broker is thinking of us (though I know that part of it is because she needs to make a few bucks in this market).
Anyway, I leave you with The 10 Cannots, which have been misattributed to Abraham Lincoln over the past century or so, but he was not quite this much of a federalist (by a long shot).
You cannot bring about prosperity by discouraging thrift.
You cannot help small men by tearing down big men.
You cannot strengthen the weak by weakening the strong.
You cannot lift the wage earner by pulling down the wage payer.
You cannot help the poor man by destroying the rich.
You cannot keep out of trouble by spending more than your income.
You cannot further the brotherhood of man by inciting class hatred.
You cannot establish security on borrowed money.
You cannot build character and courage by taking away men’s initiative and independence.
You cannot help men permanently by doing for them what they could and should do for themselves.