And I take shameless advantage of the national financial situation

[hrj]

Having done some preliminary research and number-crunching, today I set things in motion to take advantage of the current low mortgage interest rates by refinancing. My initial rule of thumb was that if I couldn't get at least one percentage point lower than my existing, it wasn't worth the hassle. It looks like I'll be getting slightly more than 1.5% better than my current rate, which is a nice chunk of change shaved off the monthly bill. I do feel just a smidge guilty that the reason I'm able to take advantage of this is precisely and exactly because I don't need to. (So I guess that "shameless" in the subject line is just a good turn of phrase.)