Dear David,

I am hard of hearing. It may be a new experience for you working with a person who is hearing impaired. I hope you are comfortable with that. I have called free Relay Center to call the conference and listened to several sessions. The relay center operator tried to listen to the whole conversation but there were some words missing on my telecommunication device machine printer. Still, I got some good information.

I just bought an organizer box with hanging folders. It was handy and easy to use. I had a lot of old paperwork lying around. I cleaned up the mess and organized my household account, investment account, social security benefits, saving/checking account etc.

I bought my current home (coach home) a year ago for $185,000.00 and put a down payment for $133,000.00. I didn’t know about bi-weekly payments until I read your book. I called customer service at my mortgage company recently to switch from monthly to bi-weekly payment. I would still be paying monthly payments for 30 years if I didn’t know about it. Hopefully, I can pay off the $50,000 mortgage loan payment early. I do not like to pay the interest.

I let the benefits department know that I want to make a 10% contribution, and the company contributes 4% on my 401K plan. I will use cash instead of a credit card. I was really excited and looking forward to paying myself first. I am 51 years old (youth looks (chuckle)).

I have enjoyed my life with friends and joined the Association of Late-Deafened Adults. Perhaps Late-Deafened Adults would like to hear about The Automatic Millionaire. I’m looking forward to hearing about mortgage plans this coming Monday, Sept. 27th for our third session. Thank you very much for the generous information that is helping me do the right thing for my future.