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They are in constant touch by cell phone, Blackberry and pager. In other words, if you save $100 per month in a jar in your kitchen and then after 10 years make an extra $12,000 payment on your mortgage principal you will change the number of future required payments to exactly the same as if you handed the money to the mortgage company $100 per month. Buyer has sufficient funds to purchase an automobile up to $25,000.
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