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Whoever wants it or needs it the most pays the most. It's the universal law of negotiation. But when buying with a big deposit, all the lenders want my business, so I get to pick & negotiate. Though I gotta admit I've never worried about a few $$ here and there, I'd try to work out the long term...

Where there's a will there's a way. We were all faced with the same dilemma many time in our lives, bottom line the choices are: Do Nothing vs Do Something If you do nothing guess what will happen? If you do something that gets you started towards saving, earning more etc then something may...