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Didn't think Marg was the one asking for advice? :D Cheers, The Y-man

From what I read here, her entire pension payment is going to the mortgage interest.... so she can actually get by on $900 per month. If she down sized to a prop worth $600k-ish, she would: 1. have an unencumbered property 2. have $1300 per month from pension and not have to draw on her...