Legal Holidays in Florida – Bet You Didn’t Know

In real estate we are always calculating time lines, deadlines, and dates due.
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As of 2012 the following list were the legal holidays officially recognized by our Florida courts and Legislature. I’ve successfully argued before judges, attorneys and others about the proper way to calculate time by using this reference. In many contracts we don’t count holidays but some are just downright bizarre. So when you meet someone next April 26th, wish them a Happy Confederate Memorial Day!!!

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Florida Statute section
683.01 – Legal Holidays —

(1) The legal holidays, which are also public holidays, are the following:
(a) Sunday, the first day of each week.
(b) New Year’s Day, January 1.
(c) Birthday of Martin Luther King, Jr., January 15.
(d) Birthday of Robert E. Lee, January 19.
(e) Lincoln’s Birthday, February 12.
(f) Susan B. Anthony’s Birthday, February 15.
(g) Washington’s Birthday, the third Monday in February.
(h) Good Friday.
(i) Pascua Florida Day, April 2.
(j) Confederate Memorial Day, April 26.
(k) Memorial Day, the last Monday in May.
(l) Birthday of Jefferson Davis, June 3.
(m) Flag Day, June 14.
(n) Independence Day, July 4.
(o) Labor Day, the first Monday in September.
(p) Columbus Day and Farmers’ Day, the second Monday in October.
(q) Veterans’ Day, November 11.
(r) General Election Day.
(s) Thanksgiving Day, the fourth Thursday in November.
(t) Christmas Day, December 25.
(u) Shrove Tuesday, sometimes also known as “Mardi Gras,” in counties where carnival associations are organized for the purpose of celebrating the same.

(2) Whenever any legal holiday shall fall upon a Sunday, the Monday next following shall be deemed a public holiday for all and any of the purposes aforesaid.

I Just Refinanced at 3.5%

It’s my second refinance since I’ve owned my home. I went from 5.5% to 4.25% and now to 3.5%.

People ask why I keep refinancing. The answer is simple – because my break even point is always about 1-2 years and I intend on living in my home (or at least keeping it even if I move) for many more years than that.

I have to believe that when inflation kicks in (and it will) I will thank myself over and over again when the market rate reaches 8-9%.  That was the norm less than 20 years ago.  The question is: Am I better off contributing extra principal payments or keeping this all-time low loan while I work my money?

Nonetheless, I am glad to be in this position.

Have a question about refinancing? Call me to discuss.