[Schraderbrau]

Thanks for all in the input guys. Its always interesting to hear what other peoples thoughts are on things like this.

Bubbsy as for your question about paying off my mortgage fast Im not a guru when it comes to paying it down. For me part of it was pure luck and getting into the Calgary market at the right time (I bought a new condo downtown about 8 months before the boom of 2007 hit and made a really good return when I sold it) and the other part has been putting a lot of money towards my mortgage when i had the money to spare. I bought my first house at 21 and while all of my friends were buying big trucks and spending their money on toys I was putting every spare dollar I had onto my house. I also keep an agressive mortgage payment, rather then having a 25 year mortgage I set it for 20 years and increased my payments. Combine the extra money on the house with the agressive payments and after 14 years I have chipped away at it to the point where it is almost done.