Well…just a short one….the appraisal for my house came back and it is worth exactly what I paid for it…and with even paying 10K  over asking price, I made out okay….and, even though I won’t be selling it, knowing that I’m not underwater on it from the start is pretty cool…and with housing prices increasing at almost 10% per year…for now anyway, it should be worth 120K or so when I croak…and I should have it paid off by then….and my kids will get 30K each from it….never thought I’d be able to leave them anything….