• Lowered interest rates

    • refinance?

    • might see more cuts, who knows!

  • Recessions come and go; but its what you do doing the recession that makes a difference

  • Should I pay off my mortgage? Should I have a mortgage?

    • if you refinance a mortgage and you pay the closing costs that is money out of your pocket

    • now you can bill the closing cost into your mortgage rate

    • utilization is incredibly important

  • Bonds are more volatile than stocks

July 31, 2019