I think on the bond issue you must do what you are comfortable with doing. When I saw that only 375 dollars of 1600 dollars a year was going to my principal... I said I want to pay off that 30 year bond. Hopefully I will live in the house for many years and the kids will then have it...or I will have to advertise it as bond paid off. I can not get 6.5% anywhere now in an account...so I am happy to pay it off...other people are not comfortable so they will not pay it off. I plan to pay myself back and then use the money for something else later...who knows what that will be.
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