As already announced , the Euribor rate continues to hover around the minimum values for many months now. This makes variable rate mortgages very attractive, especially for those who intend to take out a short-term mortgage. Although we live in a world with unlimited opportunities to learn, work and achieve our goals, many of us put off the establishment of a sound retirement program. Since the mid 1970’s, the Federal Government has enabled most Americans the opportunity to participate in…