My divorce is chugging along - (whee!!!!!), and I'm refinancing my house.

I am told if I get a 20 year loan opposed to a 30 year loan, that I could pay it off by making 2 extra payments a year. This seems wonderful.

My concern here is the economy. If I get a 30 year loan at a much lower rate, I can pay it as though it were a 20 or 15 year loan currently, but if I lose my job, then I could fall back to the lower rate.

What do you think guys? I'm literally starting over again here, and I want to think out my solutions.

Miz Pat

Ok - I didn't buy a guy for hire (YUCK!). I got a little chihuahua mix at a rescue center. Her name is Bella and her humans abandoned her and the center had to have a vet remove one eye because she hadn't been cared for properly.

She cost $150, this is for a micro chip, getting her spayed and for all her shots.

While I paid full price, and even gave them an extra $10 donation, she's worth her weight in pure gold.

She has taken over the house, won over the older jealous dogs, hogged my bed and is the most adorable little creatures you have ever seen.

Some things are worth full price.