Remember Sheridan Whiteside? He's "The Man Who Came to Dinner" who slipped on the Stanley's doorstep and eventually stayed about six weeks. Hopefully, your holiday guests did not wear out the welcome mat and have returned to their principal residences – allowing you to begin the process of getting your home in shape for 2005. One of the best places to start on your financial housekeeping is on Dr. Jack Guttentag's Web site, www.mtgprofessor.com. Guttentag, professor emeritus and the University of Pennsylvania's prestigious Wharton School, is known as The Mortgage Professor. His calculators can help to ascertain how long it will take to recover refinance fees and the affect of a lump-sum payment to your principal balance. From a financial point of view, paying off your home sooner wit...
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