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you can put the excess in roth ira instead (up to $5k or $6k if over age 50) if you haven't maxed that out and if you're eligible

I had a similar dilemma this year on picking between DODIX and VBMFX to add a considerable amount. I decided to go with DODIX because its bond holdings have a shorter duration (3.8 vs 4.79 according to Yahoo as of late last year). I'm guessing it's opting for shorter-term bonds in anticipation...

Was looking forward to doing a rate mod with them to current 15yr fixed 3.5% paying 1pt for rate mod fee. Unfortunately, the customer rep told me that they stopped doing the rate mod special for existing fixed mortgages since Thursday last week. Bummer.

Completely agree with meadbh above, it took us 5 years before being blessed with our 1st kid. We didn't shell out too much for infertility treatments but I've learned from some couples who said they were spending amounts of a luxury car for it. By the way, it doesn't have to be much more...