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thanks you all. 2012 not 2102 (fixed).

sorry if this has been asked and answered many times before. If you haven't opened IRA account in 2012 is it possible to open one now and contribut for 2012?
Thanks

Thanks. Very helpful.
I will follow up on the suggestions. I am about 40k under but slowly coming afloat. Hope to refi if things go well.

thanks everyone for the response. APR is 5.25 and no PMI. I am maxing out on 401K and HSA contribution. I can afford to pay an extra monthly payment but thinking if that money could be better off somewhere. You should refinance. 5.25 is way too high. Then you might be able to pay an extra payment A...

Are you paying an extra payment or paying extra principal? If you just send in an extra payment of principal and interest, some banks may just treat it as being early; e.g., your extra December payment is your January payment, your January payment is your February payment, etc. Make sure that the w...

thanks everyone for the response. APR is 5.25 and no PMI. I am maxing out on 401K and HSA contribution. I can afford to pay an extra monthly payment but thinking if that money could be better off somewhere.

Hi everyone - new member here. I am in a dilemma whether to send an extra mortgage payment or not this year. I was told that if you send an extra payment every year, you can pay off your mortgage payment from 30 yrs to 22 yrs - 8 yr earlier!! I have been sending the extra montly payment end of Decem...