"JimT" wrote
On another subject: The mortgage company is always sending me biweekly
auto pay program suggestions. Those have to be looked inot carefully. They
are usually just a way for the mortgage company to earn more interest on
my money. Best thing to do is just take the two extra paydays/yr and put
it towards principle. But they don't tell you that.

Many people have no idea about how mortgages work. As you say, the
bi=weekly is a scam to get you to send estra money. All you have to do is
send some extra every month and it goes to the principal and saves a ton of
money.

I used a spreadsheet to track my payments and every month I'd see the big
savings at the end when I made the entry. It was a good incentive to send a
few bucks more. Check here for one
http://www.mtgprofessor.com/spreadsheets.htm