I agree with most of you. I have been moving my asset allocation from about 50/50 to 65/35 on market dips. I use mostly very low expense Vanguard index funds to keep it simple. Also moving some bond money into dividend stocks. I did one mortgage with a good loan to value with a 10 year balloon. Would like to find another. Ist mortgage only, 60% loan to value, 10 year balloon at 6%. Actuals on the closing cost.
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