melcreada | AHAHAHAHA!!!

Jeep is violently shaking when I hit a certain speed, either accelerating or decelerating. Oh, 2012...it is too early for you to start kicking my ass.

In refinancing news (achieving a New Years resolution wot wot), am trying to decide whether or not to pay my closing costs up front or roll them back into the loan. I don't really have $3K lying around but if I roll it into the loan, I will be paying PMI and thus less principal on the house. It feels like I am going backwards, especially if I do the 30 year loan instead of the 20 year one.

Yeah, like that.