I think that the holidays feel like frozen noses. I love walking with the dog for long periods of time.

Hopefully it's snowing and you've got to wrap up warm. So I think a frozen nose is a sweaty armpit

because like you're wrapped up so warm but then you're climbing hamps and heath and you get to the top

and you're like, and then you can see the breath but then your nose is still freezing to top.

Join in every sip with red cups now back at Starbucks.

Listen man, I know it sounds too good to be true but I want you to just do me a favor and run on over to save with conrad.com.

Get yourself a quick quote. My man Andy M. just left us a 5 star review over at conradreviews.com and he had this to say.

The effort and communication from Josh was above and beyond.

We ran into several unexpected hiccups along the way but Josh kept us informed and kept looking for options to get things done.

In the end we were still able to refinance to a 15 year loan or we're going to be able to pay it off in 10

and we took enough cash out to pay off our credit cards, my truck loan and even by my wife her very first new vehicle.

We're going to save over $500 a month from what we would have been paying without the refinance. We can't thank everyone enough.

Now guys, that right there is a win-win-win situation. Let me explain. Over the last couple of years your house is probably worth more than ever.

Now what you do with that equity is up to you and what I'm going to recommend is we do it our man Andy did.

Andy took himself from a 30 year loan down to 15 years but he's planning to pay it off in 10.

Now how can he afford to do that? We got rid of all his credit card debt just like that. We got rid of his truck loan and we even got him enough cash to get his wife a new vehicle.

The result, cheaper monthly payments. How does that happen? How do you get a new car? Pay off a truck and get rid of your credit cards and cut years off your loan?

You go to savewithconrad.com. We're going to get you cheaper monthly payments and how's this for starters? No house payments for the next two months.

That's right. You can skip your next two payments. You don't need perfect credit. You don't need money out of your pocket and buddy.

If we can't help you save some cash, we won't waste your time.

Now here's the best part. We don't say no. We say not yet but here's how. I don't care if you relate here or there. Maybe you had a bankrupt seat back in the day. Maybe you relate on a credit card.

We're going to help you figure out how to get in the situation that your family needs now and long term.

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