2020 is one for the ages… Of course, each and every one of us has been affected in some way by this pandemic including a number of our own ‘HFC-family’ that have lost loved ones. While recognizing and honoring this, I still have been able to witness ‘joy’ in many different places, I hope you have too. The end of July Asher and I spent a few days at the Medano-Zapata ranch in southern Colorado. This 100,000-acre ranch abuts the Great Sand Dunes & is overlooked by Blanca Pea

It’s all well and good to talk about saving more money, but in reality, it is difficult to save when you don’t have anything left after the bills are paid. That means that when you really need to save, you’ll have to look for the cash in some unexpected places. Refinance your mortgage if the current interest rates are favorable. A general rule of thumb is that it is worth refinancing if you can secure a rate from ½% to 2% below your current rate. Revert to a 30-year mortgage