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Brief History of St. Valentine’s Day
THINKING OF MAKING EXTRA PAYMENTS ON YOUR MORTGAGE? Do these things first... Paying extra on your mortgage helps pay it off faster. But before you start sending your spare change to your mortgage company, consider doing this with your extra money first: 1. Do you have high-interest credit card debt or loans? You’ll save a lot more by paying down your 16% interest-rate balances than by paying extra on a home loan that carries a 4% interest rate. 2. How long will you own the house? If plan to sell in 10 years, it doesn’t matter if you own 30% or 70%. What matters is whether you get a strong return on your investment, which depends on how much the home’s value has risen. You may be better off rolling your payment into an investment account with an 8% return than a home with a 3% return. 3. Are you contributing fully to your investment account at work? Your retirement account likely offers a higher rate of return than you’re paying for your mortgage. Maximize your work benefits first, especially if your employer matches. 4. Will the stock market be a better investment than your mortgage? If you only have enough to do one or the other, you may want to talk to a financial advisor about the return you would get if you invested extra payments for 20 years instead of paying your mortgage off faster.
Valentine’s Day, also called St. Valentine’s Day, holiday (February 14th) when lovers express their affection with greetings and gifts. The holiday has origins in the Roman festival of Lupercalia, held in mid-February. The festival, which celebrated the coming of spring, included fertility rites and the pairing off of women with men by lottery. At the end of the 5th century, Pope Gelasius I replaced Lupercalia with St. Valentine’s Day. Although there were several Christian martyrs named Valentine, the day may have taken its name from a priest who was martyred about 270 CE by the emperor Claudius II Gothicus. According to legend, the priest signed a letter “from your Valentine” to his jailer’s daughter, whom he had befriended and, by some accounts, healed from blindness. Other accounts hold that it was St. Valentine of Terni, a bishop, for whom the holiday was named, though it is possible the two saints were actually one person. Another common legend states that St. Valentine defied the emperor’s orders and secretly married couples to spare the husbands from war. It is for this reason that his feast day is associated with love.
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www.BREMove.com
February. 2021 • Issue No. 22
