neurontin used for hot flashes

Archive | July, 2013

Jul 22

Should I Pay Points?

Should I Pay Points?

Whenever you get a mortgage, you should ask yourself the question: “points or no points?” A point is 1% of the loan amount, and it’s used to reduce your interest rate. I think about it like 2 kids at the park, playing on a see-saw.  When one goes up, the other goes down.  In mortgages, the trade-off is between RATES and FEES.  The higher the rate, the lower the fees.  The lower the rate, the higher the fees. Paying points reduces your interest rate and your monthly payment. 

Jul 18

Life Keeps Rolling On

Life Keeps Rolling On

My kids have just taken up an interest in riding bikes.  James, my 6 year old, was the first one to take off the training wheels.  Within just a couple of weeks, the 2 older kids jumped in and learned as well.  We bought a bike trailer for the babies, and now as soon as I get home from work every day, the kids are jumping around, ready to go for a bike ride. Watching the kids grow up has gotten me thinking about how life just keeps