3.75%!

I never believed myself to be the sort of person who would get old enough to find mortgage rates exciting.  All my coversation when I got old would be about intelligent philosophical topics and current events analysis.  Who would be ecstatic about anything involving finance?

Someone with a mortgage, that’s who.  We are refinancing the house, and improving our interest rate enough that our payment will go down, and we can knock 5 years off the term of the loan.  Dear lord, that is worthy of cartwheels!  You don’t realize how much a mortgage impacts the way you live your life until you have that payment to make every month, regardless of what else happens.  We have just improved our next 20 years!

Besides, what current events topics right now are intelligent enough to talk about for real?

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