Interest Rates drop again!

Well it happened again and we jumped on board.  We just refinanced our home from a 30 year fixed at 4.875 down to a 15 year fixed rate of 3.3%.  This refinance will save us approximately $205,000 vs the 20 year mortgage.  Its amazing what the time value of money can do you for.  We are planning paying extra each month and being able to pay off our home in 12 years.  How amazing will that be?  Think of the cash we can then invest.  Anyway, we're glad to have this blog back up and running.  Expect some posts soon about the new bankruptcy law changes for 2012.