Kerry,
I do hope you sell your cottage. It looks like a real nice place. If I was the traveling overseas type I 'd have it for myself or if I was filthy rich I'd pay it off for you then you could pay it back whenever or never. I just hate to see you lose that home. I wish I could help you, but I'm at my limit in finances and have 30 months to go till I'm debt free. Then my DW is going to retire early and just work at her leisure for some $$$ of her own. I still have 10 years to go till I retire. I just hope I live that long. '

Good luck to you and Tony,

Eric