Hello, so glad to have found you all!

[eridanus]

Originally Posted by DrLLLong

I have considered refinancing but from what I have read, it may not be worth it unless you are going to get a full percent off and are going to live in the house long enough to recoup the closing costs. This is on my "continue to research" list.

Check a credit union. I got a no-closing-costs float-DOWN re-finance from mine.

[laurence]

Ah, didn't know y'all were moving on. If you are not planning on staying in the house long then yah, I agree it's not worth the hassle/cost to refi.

[P.S.]

Hello DrLLLong:

Glad to have you here! Have you read William Bernstein's The Four Pillars of Investing, written by a fellow M.D.-er and goes into detail re: your first question?

[Beachbumz]

Hi Dr. L!

Welcome to the board. If you have maxed your tax deferred accounts, I think you should consider investment real estate. It might be another good job for hubby . I know some people on here don't agree with this (and that's ok), but done properly it can speed up your retirement or increase your NW at retirement. One option is to buy a 'second home' that you can rent out along the way. This is how I started and I ended up with 4 of 'em. IMHO, it's harder now, with the rapid rise in RE prices, but probably deals can be found. Anyway, that's what enabled me to retire at 36!

Beachbumz 8)

[cute fuzzy bunny]

Originally Posted by laurencewill

I use my 5 pound sledge at least once a month, last time to hammer in my grounding rod for the jacuzzi! Plus it kinda makes me feel tough like Thor....is that wierd?

Yes.

[MooreBonds]

Originally Posted by Caroline

"What does your DH do at home?" About $131K worth of work is what he does, if you read this article... If he's fixing toilets on TOP of that, I'd say you've got more than a fair exchange.

Just out of curiosity, does he have any brothers?

Don't forget the rest of us single ER-wannabe guys out here floating along in the forum...

[JWV]

Originally Posted by DrLLLong

Theoretically, I am supposed to load the dishwasher... but...(I've been told that I don't do it right and there are bits of food stuck to the forks -- my point being that with the amount of electricity and water that cycles through the thing it should be STERILIZED food at that point, besides I can take off my glasses when I eat, besides which we have an immune system for a REASON)

IDrLLLong

You are my kind of doc, welcome aboard!

Judy