That's a really good point. When we refinanced a few years back, the break-even point was something like four years out. It worked out for us because ...

Had a similar experience myself a couple years back when we took out a home equity loan to build an addition. I thought I had everything figured out, ...

Definitely agree with your points—clear expectations can save a lot of trouble later. Still, I've seen informal loans between friends work surprisingl...

While I get the appeal of locking in early, isn't there also value in keeping your options open a bit longer? I've seen cases where waiting a few week...