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I am so impressed with this post. Shows it doesnt matter if you make a boo boo, you can always improve and profit from any situation. Great perseverance, response, and mindset to move past that Richard!

Well done Joan!

Dear Diary... (This is for my own referencing in future years. Feel free to ignore, or comment, its up to you. ) "Its March 2015, you just fixed 2 loans at 4.49% for 5 years. In the future you will come to regret or celebrate this decision. In fairness, it seemed like a good idea at the...