On Wed, 1 Feb 2006 16:25:14 -0800, "Dene" wrote:

I'm not that concerned about paying it off. Primary reason is that the
payment serves me well as a 2nd home tax write-off. In my retirement years,
hopefully 10 winters from now, different story.

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The problem comes in 3 to 5 years when you decide that you really need
something bigger and you discover that you still owe more than the
boat is worth. In other words, you are "upside down" and have to
payout cash just to sell. Happens all the time.