A Spring of Joy

If your objective is mainly to lower your mortgage loan payment, refinancing might make sense. But it might also turn out to be a trap: You could wind up with a higher mortgage payment, even if the total value of your home has decreased. And you might not have sufficient equity in your new home […]

We celebrated Asher’s 14 month birthday this week with a bang…another ear infection, cutting not one, but both bottom one-year molars and a week of intense fussiness. Each morning or naptime, when he awoke, it was like dealing with a bear just coming out of hibernation, and it took almost every ounce of self- control […]