Last year we wanted to go to the mountains for the holidays (5 days).

I also was in Crestline as a child as a weekender/vacation home user, my parents, aunt and grandparents all had vacation homes there.Short term rentals generally are booked on holiday weekends and for a week at a time during regular school break holidays and the Summer.

My point is...I know a little about Life Insurance...and have stayed in a Holiday Inn Express (and set up Whole Life for kids...conservative long-term vehicle)To my main point...after listening to Patrick Donohoe recently on Michael Blank's podcast, I really started looking at how so many wealthy people DO seem to utilize certain Whole Life policies to (in effect) be their own bank for many purposes. 

He only opened mine because it was during the holidays and I used an invitation colorful style envelope.

So far it has been slow, I figure that's because of the holiday season.  

Hi BP members, For those doing deals in the northeast, what are your thoughts on doing direct mail marketing during the winter months and ahead of the holiday season?

In fact, my HELOC balance has dropped down again and I was considering making another payment to the mortgage, but with holiday travel and gifts I'm going to hold off and do it in the spring.)Payoff date Jan 2024Projected interest savings $203,000The things I keep coming back to are not the interest rates and how I'm saving money over 30 years instead of 5 and all that, but the fact that $10,000 was COSTING me $20,000 in interest to pay in the old way and about $1200 in interest to pay in the new way and that all my income is going toward paying down the HELOC whereas just a portion of it was going toward paying down the mortgage.

Today I’ve been married 9 months & by getting married I picked up $100k in student loans & another $20k in car loans plus some credit card debt at 0% flipping a house over holidays that recently closed.

Since they are actually in your market (not just giving seminars at the local Holiday Inn and then going to the next town), I wouldn't discount it entirely but I bet you don't need it.

Originally posted by @Nate Bell:@Dennis M. this is the most leveraged Americans have ever been.https://www.google.com/amp/s/www.marketplace.org/amp/2018/11/20/economy/household-debt-all-time-high-holiday-spending-season-arrivesWe have short memories and are inherently irresponsible.I’d agree but We also have the lowest unemployment the highest amount of new jobs and record growth .