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Old 04-11-2015, 11:05 AM
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Cynlite Cynlite is offline
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I understand the need to raise the money quickly and why you did what you had to do to get it. After your surgery, you might want to consider handling it differently. My thoughts on this are that a second or a complete refi on the home (assuming the equity supports it) makes more sense because it's tax deductible whereas the other loans are not tax deductible. I would think the 15.99% interest rate is going to generate interest much higher than the cost to refinance your home pretty quickly so that is something to consider. Mortgage rates are much lower than 15.99%. If interest rates start rising this year as expected then locking in a fixed rate now will be better than having any variable rate on debt. Just thought I would throw out my two cents because finance is what I did for a living. Good luck Cheryl. I know that your health and the surgery come first!

http://www.bankrate.com/finance/home...e-roundup.aspx
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2006: epidural shots did nothing; 2 surgeons recommended 2 level fusion, I declined.
2007 - 2010 4 foraminotomy and cord decompression cervical surgeries and 2 endoscopic discectomy T7-T8 surgeries; total 6 with Dr. Jho (Pittsburgh,PA) My C6/C7 autofused around 2009.
2013 - 2015: epidurals 3 times (again did nothing) and 4 Radiofrequency ablation (or RFA) procedures.
2016 more RFAs, hit the 10 year mark of this insanity and pain, 3 level M6-C ADR with Dr. Clavel May 19, 2016
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