I was under the impression your last sentence would suffice.Thanks,Angelo

One sentence that i want to point out is this "For instance, a friend may want to give you a fancy restaurant dinner to thank you for your help, but someone at your state licensing agency may decide that the meal is a fee.

Only a few sentences description, where one of the sentences read it's a "bargain price for the area".  

One major suggestion: Provide a "hover" box that provides the first few sentences of a post when you are looking at the list in the forum, so you can decide before you click on it if you even want to click on it.

s first sentence "YOUR GOALS".  

Read that last sentence again.

when you and your spouse talk to other people and fill in the sentences with "it's close to that cute 3 bedroom with the attic fan was" 

@Joshua McGinnis I read the title to this post, and the first 3 sentences...and i say run away as fast as you can.

Your return would be about 10%.If I was going to change jobs to one which will pay minimum wage on average and the pay is irregular, I would want to have at least $30,000 in the bank.Good Luck.Bill Bill, this may be a dumb question but would you be able to break down the math in your first sentence? 

Based upon your subsequent sentences, you quoted "$100k" as the refi amount so I assume that by "term" you really meant "paid down 1/3 of the original principal" - although the following concept doesn't change regardless of the interpretation.