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Do You Know What The Term "HELOC" Stands for?
Do you listen to the smartest guy in the room or do you listen to the loudest guy?  Sometimes they might be the same person.  Sometimes they may be different folks. 
Unfortunately, we do not live in a black and white world.  I am not trying to add a social commentary with my last comment.  My comment is intended to indicate that everything is not cut and dried.  There are different shades of gray.
My dad always used to say we all need to meet in the middle.  He was a very opinionated man but he was strong in his beliefs, which was passed on to me.  Hence, I can say that we all need to be open to others beliefs, to listen and to learn, to take care of family and friends and believe that if we do what we think might be the right thing, that it may not be the right thing and we might need to change our opinions and deeds later in this life. 
My dads generation believed very strongly in owning his home.  He had a mortgage burning ceremony when he payed off his 30-year fixed rate loan. 
We have changed our business practices over those ... more

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