Fair points, but don't underestimate how much even a small credit bump can save you long-term. Sure, housing prices can spike, but interest rates tied...

Good point—yes, home equity loans can be deductible, but it's pretty specific. From what I know: - You can deduct interest on home equity loans if th...

Exactly this. Had a friend recently who runs a small seasonal business—income looks great half the year, pretty sparse the other half. Automated syste...

Totally agree—banks love pushing shorter terms, but it's not always the best move. A couple things I've noticed from experience: - Shorter terms defi...

I've used escrow a few times myself, and honestly, it's a bit of a mixed bag. Quick thoughts: - Definitely great for big purchases or when you're dea...