If that is the best return you can get on $100K, then do so.You do a little worse because you end up with less principle paydown when recasting (the opposite is true if you are simply prepaying. 

usually quite the opposite.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

An exercise for you is to change this phrase "...knowing that my real concern is their inability to pay the rent due to maternity leave" and substitute "maternity leave" with "being X" where X is another protected class based on race, gender, ethnicity, etc.

Make sure you make the monthly payments on time and use the cards in the person's name that won't be getting the loan or the opposite person's name that will be getting the loan.  

This is where I see the difference: the internet created new jobs and industries, AI is mostly about the opposite.

The Federal Government is doing the opposite as what it is intending.

You want to minimize taxes.Not only these are separate goals, they can pull you in opposite directions, so you will have to prioritize. 

I like miami and columbus because miami is land locked and the opposite. columbus is very affordable. both are the highest net migration cities by head count in their respective states