I may be missing the boat in its entirety, but at my age, I don't need to have any debt. The least amount of debt I have, the easier I sleep. And isn't your home the best investment over stocks ( long term stocks could be great... But in our life time?), money markets and other "investments"? Real Estate is still the best investment by far. We will make more in our homes, than anywhere else. And for the guy trying to sell his home up north- patience! The best time to put your home on the market is in the spring. If your home is priced right, it will sell.
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