We need to look at this from investment point of view. Treat paying down a loan like a bond investment and compare to other options.

Advantages of early pay-off

• One less bill to worry about. Peace of mind
• Simplified life. No need to budget for mortgage payment
• Guaranteed, zero-risk return for bond equivalent to mortgage interest rate.

Disadvantages of early pay-off

Use following command from your project folder. (Note: Do not use $irb command as it will not work, although the console shows irb prompt).

$rails console # Start rails console

Use "awesome print" gem for better readability. (Refer documentation of awesome print gem.)

$require "awesome_print"

>>ap Event.all (Event is the object we want to view)

>> ObjectName.where(key1: value1).order(:key2).limit(5)

Documentation is available on Heroku site.

Installation: Brief steps are as follows:

First create a free account with Heroku.

Download and install Heroku CLI (Command Line Interface) on your local machine.

$heroku login

$heroku update

https://www.healthline.com/nutrition/13-ways-to-lower-triglycerides

http://www.eatingwell.com/article/290873/how-to-lower-triglycerides-ldl-...

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