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I'm glad to learn that your professional stuff is solid. I didn't think you'd spend frivolously by any means; I just didn't think you needed to feel as much guilt as you seemed to be feeling. But survivors' guilt is never rational anyway.
I almost asked about the mortgage in my previous message. ARM are great right now since they're going down, but it would be nice to have the option of refinancing to a fixed if rates start going up. Maybe the values will come up enough that you'll be able to do it when you need to.
I think being upside down might be almost normal for anyone who bought or refinanced in the last five years. And at least they've addressed the property value dropped for taxes quickly. That's an area where things are lagging a little in some parts of the Atlanta area. Most of our taxes are pretty low to start with compared to other areas of the country.
I hope medical research isn't affected by health care reform, but it's kind of hard to imagine that eventually at least the private research won't be. It just depends on the what the reform ends up being. If the government regulates what can be charged, it would seem to me that eventually that will affect the money available for research.
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