Yup! After 3 years I refi'd from 30 to 15 because the rate had dropped so much the payment was the same. Seemed like a blinked twice and they were handing me the deed. No mortgage in the 2000-2010 era saved my business as I had monthly bills that were very low and I was actually able to save enough to start expanding (when real estate toppled) a small farm into something more like the real thing. I didn't need a self help financial guru and I didn't listen to armchair amateur brokers preaching about investments vs interest rates. It was just common sense...get out of debt now and invest the savings later.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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