"Hey, I pay my mortgage bills on time. I have a good rate on my mortgage and there is no reason to do anything more." Well, I hate to break it to you, but you may not realize that you are paying more on your mortgage than you have to. This happens because some of what goes on with the bank is very sophisticated.

The repayment on your ARM is probably your biggest monthly bill. Do you know it will determine the quality of your life? Why?