<table border="0" cellpadding="2" cellspacing="7" style="vertical-align:top"><tr><td width="80" align="center" valign="top"><font></font></td><td valign="top" class="j"><font><br /><div style="padding-top:0.8em"><img alt="" height="1" width="1" /></div><div class="lh"><a href="http://www.philly.com/inquirer/columnists/al_heavens/20101121_On_the_House__The_hidden_catch_of_biweekly_mortgage_payments.html"><b>The hidden catch of biweekly mortgage payments</b></a><br /><font size="-1"><b><font color="#6f6f6f">Philadelphia Inquirer</font></b></font><br /><font size="-1">Inquirer real estate writer Alan J. Heavens is the author of &quot;<b>Remodeling</b> on the Money&quot; (Kaplan Publishing). His <b>home</b> improvement column appears Fridays in <b>...</b></font><br /><font size="-1"></font><br /><font size="-1"><a class="p" href="http://www.philly.com/inquirer/columnists/al_heavens/20101121_On_the_House__The_hidden_catch_of_biweekly_mortgage_payments.html"><b></b></a></font></div></font></td></tr></table>