You want an accountant who can help you strategize and who is responsive when you want to know the consequences of the financial decisions you are making throughout the year.Good luck.

I don't think I can see and downside to this decision.2.

You’re not at a real decision point today, so buy yourself time and see how long your luck will last.

Remember, buying a property is a financial decision that should align with your long-term goals and comfort.If the new lender offers a better rate and lower monthly payment, it’s reasonable to consider that option.

Here are my thoughts about your decision to refinance.Process:Understand your current loan terms.Check your credit score.Compare offers from different lenders.Get your property appraised.Submit your application and go through closing.Considerations:Current interest rates vs. your existing rate.Amount of equity built in one year.Closing costs and fees.Your long-term financial goals.It's a complex decision, so consulting a financial advisor or mortgage specialist might be helpful.

We're good at what we do, but we don't do what we don't do and will tell you where the line is so you can make the best decision for you and your family. 

You just need to be diligent, due your research, have a team, and make good sound decisions.

This will cost time and money and can be just as difficult as moving away from home.If you want to make it you'll need to do some hard things and make some hard decisions.

Even if you adjust it over time, the effort spent upfront will pay dividends as you build momentum and make informed decisions in this field.

A tenant doesn't qualify for a S8 voucher by making good financial and life decisions, so what quality of people do you think the system is dealing with?