THINK IT OVER

-- Cut mortgage interest costs and build equity faster by taking
out -- or converting to -- a biweekly fixed-rate loan. It has the
same rates and terms as a standard fixed loan, but you pay half your
monthly payment every two weeks. Result: you make the equivalent of
13 monthly payments a year and can pay off a $100,000, 30-year
mortgage within 22 years, saving $65,000 in interest. Page 35