Interest rates are low, but should you refinance? It's not a no-brainer.
Col. Jim O'Brien, USAF (Ret) is a native of Peabody, Massachusetts. He is a graduate of Norwich University in Vermont and holds a master's degree in systems management from the University of Southern California. Additionally, he is a graduate of the Air War College and a senior executive fellow from Harvard University's John F. Kennedy School of Government.
During O'Brien's 25-year career, he served in a variety of financial management positions at all levels of the Air Force, including four command positions. His final assignment was comptroller for the Air Force Reserve, where he was responsible for nearly $5 billion annually.
Prior to his current position, Jim served as the chief financial officer of MOAA for 7 years.