I know this is nothing to do with Sailplanes... well in a way a little bit. If you have an adjustable mortgage that is about to reset and the bank is advising (read scaring) you to convert to a fix, be careful. All the resets I know are resetting at LOWER rates than what you currently have. And the rates you will be locking in are higher. By the time you add on fees to convert you are harming yourself financially. If I had an ajustable rate, I would keep it cause I dont see interests going up any time within the next 1-2 years.... Just a heads up. this could svae you money and you can spend it on your favorite hobby :). I know citi bank is notorious for this unethical practice. You are welcome to email me for more info and proof. Tuan
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