Rex, P.

Here is a breakdown, in rounded terms:

I have owned my home for 1 year, with a 30 year mortgage. My payment is $1000/month.

I have always paid $1500/month, applying the extra to the principal. This is not a real strain for me.

So, should I refinance to a 15 year loan and save 1.5%, or continue to make 6 extra payments per year, despite my 5.25% interest rate?

Even in a 15 year mortgage $1500 will still equate to 1-2 extra payments per year...

I personally think it doesn't really make enough of a difference to bother with, but perhaps someone will enlighten me?

I've had plenty of relationships, but I'm getting older and I don't meet as many available women as I used to. I don't think it will be at a bar or gym, btw- maybe the library?

The real "tea party" was an effort to gain representation in government. The current tea party movement stresses limited or no government.

Today's tea party wants to pay no taxes- they can't be protesting higher taxes because not one American is paying a higher tax rate than they were under Bush...

But the real tea party did not oppose taxes- they asserted that if they were required to pay taxes to a government, they should have a representative voice within that government.

Last I checked we can all vote, whether we think paying our taxes is a good idea or not. What more representation do the tea bagger's need?