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    How do you decide on ER vs buying/spending?

    My DH and I are not impulse buyers of anything. However, we do now and again purchase big ticket items (vacations, new car, etc.) after much consideration. Last year we bought a second home, which we figured could delay ER by a couple of years (from around 50 to 53 instead). However, having...
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    New Guy - 24 with Piss and Vinegar!

    Don't sell yourself short here. If you want to be a patent lawyer, you should pursue it. Just because your GPA was not high doesn't necessarily mean you can't get into a top law school. Your LSAT score will be just as important, if not more so, than your 2-3 year old GPA. Your work...
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    I've been lurking for about a month...

    Thanks for the information. I periodically check bankrate.com but haven't checked rates in a few weeks. I imagine they have gone down a bit. Good luck on selling your place.
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    I've been lurking for about a month...

    Sorry to be obtuse, but what are you saying?
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    I've been lurking for about a month...

    Hi RRobert, Thanks for the welcome. I figured with closing costs of about 1,000 (which is a little bit more than what we had on the original loan), I would recover the costs in about a year and a half. And since we plan on holding onto the property for quite a while, doesn't that make sense...
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    I've been lurking for about a month...

    Thank you for the welcome, clifb. Unfortunately, there is no potential for renting our vacation home. The county we are in doesn't allow short term rentals. I'm not sure why we are paying down the lower interest mortgage. Maybe it was just habit and we haven't changed yet. When DH returns...
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    I've been lurking for about a month...

    Hi, I'm 42 years old, as is my DH, and I'm here to learn more about RE. DH is pretty financially saavy, so I pretty much let him take the lead. I know where our money is (it's all very meticulously tracked on a Quicken program, down to each Visa receipt!) but the bulk of the financial...
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