Agree with you both on the thermostat thing—it's handy, but I haven't seen dramatic drops in my bills either. Windows, though, that's a solid investme...

Couldn't agree more—I've seen it happen firsthand during the '08 crash. Clients who thought their HELOCs were rock-solid suddenly found themselves scr...

Totally agree about running your own numbers—calculators help, but they're just a starting point. Couple other things to consider: - Watch out for pre...