TW> And with a great deal of Disipline it can really pay off. Because of a   
   TW> failed first marraige I did not get into buying a home until my middle   
   TW> 40's   
   TW> Thinking ahead we bit the bullet and paid off the 30 year Homeloan in 15   
   TW> years which matched my Retirement in 1991.   
   TW> We did it by cutting back to only the bare necisities and by driving   
   TW> junk cars. We have never owned and during those years pisked out   
   TW> transportation from the Consumer Reports WORST USED CAR BUY, Becasue   
   TW> they were cheaper. We also folowed a disipline of "Earn what you Spend   
   TW> and ONLY SPEND what you earn". So since I have retired we have never   
   TW> made a loan payment for anything.   
      
   Planning in advance is great, provided life doesn't throw you any curve balls.   
   My previous home would have been paid off last year.   
      
   I had a 15 year mortgage on it, but like you, a failed marriage threw me back   
   financially a bit.  I have been re-married for 7 years, and back in a 30 year   
   mortgage on a much larger home.  Between accelerated mortgage payments and   
   additional payments each month, it is basically going to be a 20 year loan.     
      
   I keep cars forever.  When I buy a new car, I keep it.     
      
   We need people that think like us in politics.  We have not seen fiscal   
   responsibility in along time!   
      
   - Mark   
      
   --- WWIVToss v.1.50    
    * Origin:  http://www.weather-station.org * Bel Air, MD -USA (1:261/1304.0)