Loyalty discounts have never really impressed me either—usually just a couple percent, and half the time the “perk” is like a free calendar or somethi...

That’s the thing—refinancing looks great on paper, but real life always throws a wrench in the works. I’ve had a property where the water heater died ...

Yeah, I’ve noticed that too—sometimes the fees actually make sense once you get someone to explain them in plain English. But man, the paperwork mista...

Yeah, totally agree with that. I actually had an agent once who tried to gloss over a botched appraisal—just acted like it was no big deal. That was a...

Fixed Rate vs HELOC: Anyone Regret Going Flexible? I’ve actually used both a fixed cash-out refi and a HELOC, but for different reasons. The fixed re...

I see your point on mixing in mini rewards—makes sense psychologically, especially if motivation is slipping. I've always leaned toward the avalanche ...