Yeah, that's probably closer to the truth. Had a client once whose stakes were spot-on but the paperwork was a mess... ended up costing him extra anyw...

I hear you on the uncertainty thing. Had a client once who swore they'd move within three years, went with an ARM, and then... twins happened. Suddenl...

Balance transfer cards can definitely be a lifesaver, but they're not always the silver bullet people hope for. Had a client once who jumped on one of...