The great news from the DINKS is that we’ve finally completed our much discussed refinance! After three months of discussions, planning, calculating, researching and shopping, we finally closed on the deal this morning!

My wife and I got up at the crack of dawn, dragged ourselves to the metro and made it promptly to the closing attorney. After an hour signing papers and asking questions, we wrapped everything up around 10:30.

The good news is that we converted our ARM from a variable to a fixed rate, and should now be able to pay down the principle of our loan without fear that the bank will raise rates! Our payments will remain roughly the same, and given that we paid about $2,070 to make the deal happen, it was a pretty cheap closing!

Happy Wednesday and enjoy your surfing!

Best,

James

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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