Search found 4875 matches

by madbrain
Sat May 26, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 85
Views: 8051

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

Stepping back, I think you should enjoy the moment where you have the difficult decision, at age 36, to either pay off the $200k+ mortgage and own your house outright, or invest in your $1M+ portfolio. Sweet. +1 For all the strong opinions on this topic, in the end, the difference between either st...
by madbrain
Fri May 25, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 85
Views: 8051

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would pay off the mortgage, once you do that the house is yours and yours only, no one can take it away. What happens if you lose your job? On a related note, if I lost my job tomorrow, I would rather have $210K in the bank and a mortgage payment due every month, than $0 in the bank and a paid-of...
by madbrain
Fri May 25, 2018 4:18 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 85
Views: 8051

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would pay off the mortgage, once you do that the house is yours and yours only, no one can take it away. What happens if you lose your job? On a related note, if I lost my job tomorrow, I would rather have $210K in the bank and a mortgage payment due every month, than $0 in the bank and a paid-of...
by madbrain
Wed May 23, 2018 4:09 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11497

Re: Chase Savings Account emptied out!

All they need is account number and routing number. Easy to find. Both numbers are printed on your checks. This was a savings account with no external transactions, or statements. You may want to read this thread too : https://www.bogleheads.org/forum/viewtopic.php?f=2&t=236760 It was a Chase savin...
by madbrain
Wed May 16, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75750

Re: To take or not to take delivery of Tesla 3

I have set 6 Roombas as my alarms and still sleep through all of them cleaning the house. This is a great example. Do you place the blame squarely on Roombas when you oversleep? May be we should make the example even stronger. How about in addition to the Roombas, you also set up good old alarm clo...
by madbrain
Wed May 16, 2018 4:21 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75750

Re: To take or not to take delivery of Tesla 3

Seriously, though, EAP is not full self driving. You can’t turn it on and take a nap. Which brings the question, what is proper use case for EAP ? Blaming the injured or dead drivers certainly isn't going to help sell it. Applying the brakes would seem like a really basic expectation in case an obs...
by madbrain
Sun May 06, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4406

Re: AMC Movie Theaters -- typical OR not?

It has been many years since I have been in a movie theater but we were visiting my daughter and she really wanted us to go with her to see a specific movie, so we went. The movie was playing in an AMC theater and I was pleasantly surprise how nice the theater was: limited seating so not many peopl...
by madbrain
Sat May 05, 2018 5:05 am
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1692

Re: Arghhh! Oven Door Fell Off Again!

inbox788 wrote:
Thu May 03, 2018 8:34 pm
BTW, 408 area code is Phoenix.
That would be news to much of Silicon Valley.
by madbrain
Sat May 05, 2018 5:01 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1006378

Re: What Movie Have You Recently Watched?

Just came back from "Bad Samaritan". Kept us on the edge of our seats, even though many parts of the movie are laughably implausible.
by madbrain
Sat May 05, 2018 4:58 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9003

Re: Warning: avoid Windows 10 update 1803

I dont know, but I think hardware has a lot to do with it? as well as the operator. Yes, you are right on both counts. There is just about an infinity of possible PC hardware combinations. It's not possible for Microsoft to test them all, and expect their updates to work. They should not be forced....
by madbrain
Tue May 01, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: 401k Stable Value Fund Rates?
Replies: 35
Views: 2443

Re: 401k Stable Value Fund Rates?

My stable value fund is with Galiard. 1.98% 1-year return.

YTD (Daily)* +0.67%

Average Annual Returns

1 Yr +1.98%

3 Yrs +1.82%

5 Yrs +1.67%

Life +1.76%

Not much to be excited about. I'm still invested in it given the fed policy of rising rates this year.
by madbrain
Fri Apr 27, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1720

Re: COMCAST - Modem / Router recommendation

I don't consider a mile to their node as excessive. The condition of their physical cable and their amplifiers is the issue. A poor connector at any tap, amplifier, splitter, or a cracked cable on their overhead line could create an intermittent frequency dependent suck-out trap, yet the pilot sign...
by madbrain
Fri Apr 27, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1881

Re: DIY Desktop PC

the GPU is integrated in the CPU, not the motherboard. it can handle 4K. The Intel GPU can only handle 4K with a DisplayPort monitor. It doesn't support HDMI 2.0 . For that, you will still need a discrete GPU. Some 4K monitors have both DisplayPort and HDMI 2.0, some only one or the other. And the ...
by madbrain
Fri Apr 27, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1881

Re: DIY Desktop PC

incorrect. it can handle 4K with HDMI 1.4. its not 60hz. please google. https://www.intel.com/content/www/us/en/products/processors/core/i5-processors/i5-8400.html I forgot about that, but IMO, 30 Hz refresh rate is not usable, and I would use a 4K monitor with HDMI on the built-in GPU. If the moni...
by madbrain
Thu Apr 26, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1881

Re: DIY Desktop PC

For the monitor you chose, the built-in GPU will be fine, unless you are a gaming afficionado. I would never pick a motherboard with build in GPU. What if the motherboard GPU die? You can always disable the motherboard GPU if there is an issue with it. I don't think this is common. If the GPU on th...
by madbrain
Thu Apr 26, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1881

Re: DIY Desktop PC

the GPU is integrated in the CPU, not the motherboard. it can handle 4K. The Intel GPU can only handle 4K with a DisplayPort monitor. It doesn't support HDMI 2.0 . For that, you will still need a discrete GPU. Some 4K monitors have both DisplayPort and HDMI 2.0, some only one or the other. And the ...
by madbrain
Thu Apr 26, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1720

Re: COMCAST - Modem / Router recommendation

No, I don't have Comcast Voice, just internet. I use Ooma for my home phone, so I assume Ooma just plugs into any router? I have Ooma also. And yes, it plugs into any router. But the modem and router may be separate. I personally use separate equipment for the modem, wired router and wireless acces...
by madbrain
Thu Apr 26, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1720

Re: COMCAST - Modem / Router recommendation

DOCSIS specs call for backwards comparability. Does not surprise me to hear that Comcast chose to not support the spec even though they tell you that you have to. The SB6121 does not have the channels to support 250Mb, but Comcast's system should have automatically adjusted to the max that modem su...
by madbrain
Thu Apr 26, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1720

Re: COMCAST - Modem / Router recommendation

1. Don't waste your money going for a Docsis 3.1 ( vs 3.0 ) unit, unless you need/want and Comcast can provide real GB+ speeds. The 3.0 spec supports speeds up to at least 800 MB. Not all 3.0 modems are created equal. The number of channels will vary. Eventually, Comcast will stop supporting 3.0 . ...
by madbrain
Thu Apr 26, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1881

Re: DIY Desktop PC

Have been building my own PCs since the age of 12. It's always fun. I would agree to use a bigger PSU than 500W, if only to allow for separate GPU later, like when you upgrade to a 4K monitor, which the built-in Intel GPU may not handle. Also, for $85 you can likely find a decent SSD bigger than 256...
by madbrain
Thu Apr 26, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 20
Views: 1629

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

I will speak for the Bolt since I have been the secondary driver for over a year. - adaptive cruise control: absolutely love it. Will not buy another vehicle without it. Unfortunately, the Bolt does not have this yet. - lane keep assist and sway warning: beeps when I am leaving my lane unless I sign...
by madbrain
Tue Apr 24, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75750

Re: To take or not to take delivery of Tesla 3

Tesla didn't note that. They didn't put a link to the manual. Didn't even bother to put an asterisk. That's misleading at best. Agree. And even if they did, I don't think it would be reasonable to expect drivers to know every detail of the Autopilot implementation and recall them at every instant w...
by madbrain
Tue Apr 24, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2697

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

LarryAllen wrote:
Tue Apr 24, 2018 9:30 pm
Math seems fuzzy but whatever works for you.
The math is very sound. But since you live in the "State of Confusion", I am not sure how I could better explain it to you.
by madbrain
Tue Apr 24, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab international ATM (worth the hard credit pull)
Replies: 25
Views: 1728

Re: Charles Schwab international ATM (worth the hard credit pull)

I travel internationally a few times a year. The ATM fees are minimal ($10-15 over the course of the year) so I don't worry about it. I don't care to open/track a new account for such small potatoes. That said, I absolutely keep a CC with no foreign transaction fees. Obviously, you don't travel to ...
by madbrain
Tue Apr 24, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2697

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

sounds like a big hassle to break even. Sounds like somebody does not understand how much those signup bonuses are worth. The value of a $600 signup bonus for $3000 is fairly typical these days if you fly coach. If you are flying business or first, the bonus could be worth much more, potentially. 1...
by madbrain
Tue Apr 24, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranties for Kitchen Appliances?
Replies: 3
Views: 418

Re: Credit Card Extended Warranties for Kitchen Appliances?

I don't know if the credit card extension includes on-site service. I am guessing that it extends whatever protection is provided by the manufacturer. I have had a number of appliance failures but none within the 2-year warranty period. There are things that will just wear out over time. I have a h...
by madbrain
Tue Apr 24, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranties for Kitchen Appliances?
Replies: 3
Views: 418

Re: Credit Card Extended Warranties for Kitchen Appliances?

I would buy new appliances with a Citi credit card, not Amex. All of them will add 2 years of warranty, up to 7 years total. If you purchase a 3 year plan, this would extend to 5 years. But it may not make sense to buy the extended warranty plan. If you have very high end appliances with expensive p...
by madbrain
Tue Apr 24, 2018 4:15 am
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2697

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

Even as that website says that you can overpay your federal taxes and get a refund. This is a typical cash equivalent. I know that it doesn't appear to be on the AMEX radar yet but that is not a risk I would be willing to take considering the aggressive nature of AMEX RAT team. It could also be a r...
by madbrain
Tue Apr 24, 2018 4:11 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75750

Re: To take or not to take delivery of Tesla 3

Interesting data. $35k is an average that includes a number of very expensive vehicles in the calculation. Bringing it back to Bogleheads and our approach to finances vs. the “mass market,” I am a little surprised by this since the median income in the US is in the $55k-$60K range. Spending $35k on...
by madbrain
Tue Apr 24, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2697

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

Nate79 wrote:
Tue Apr 24, 2018 12:33 am
Which credit card? If AMEX, no I would not risk losing the bonus to the RAT team. If others in would only use it as last resort.
Paying taxes with AMEX is perfectly fine. See "how to meet the minimum spend" :
https://frequentmiler.boardingarea.com/ ... ar-gaming/
by madbrain
Mon Apr 23, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2697

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

As long as the bonus has a much higher value than the amount you are spending in fees, it is smart, IMO. There are other methods that can be used to meet minimum spending requirements using manufactured spending, but almost all involve some type of fee, and some work. For example, typically if you b...
by madbrain
Mon Apr 23, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75750

Re: To take or not to take delivery of Tesla 3

One place Elon was wrong is, IMO, a $35K car is not a mass market car. The average transaction price for new cars is over $35,000, actually, according to KBB . https://mediaroom.kbb.com/average-new-car-prices-rise-2-percent-february-2018-according-to-kelley-blue-book . So, IMO, a $35K car is very m...
by madbrain
Mon Apr 23, 2018 4:15 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 57
Views: 3998

Re: Is this solar panel bid reasonable?

Thank you, madbrain, for your detailed postings: I have to copy them all to a separate file, print and read carefully. I have been contacting solar installation companies to get a realistic picture of pricing. I have not yet gotten a quote under $3.0/W. It is also quite frustrating that they are no...
by madbrain
Sun Apr 22, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 20
Views: 1629

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

ronno2018 wrote:
Sat Apr 21, 2018 10:50 am
Self driving will be better in a few years too.
Yes, but I am not sure that anyone will offer full self driving within 4 years.
by madbrain
Sun Apr 22, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 7732

Re: What is a good flat rate cash back credit card?

gpburdell wrote:
Sun Apr 22, 2018 3:41 pm
runner3081 wrote:
Sat Jan 27, 2018 1:07 pm
SlowMovingInvestor wrote:
Sat Jan 27, 2018 11:09 am
Fidelity 2% cash back unlimited.
+1
+1
-1 . There is just about no reason to use this card over a Citi double Cash , given the extra benefits of the later.
by madbrain
Sun Apr 22, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 20
Views: 1629

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

IMO, there is no reason to buy a vehicle that early. The costliest component in the Bolt is the battery pack. It is warrantied for 8 years and 100,000 miles. If you buy it 4 years early, you will only have a 4 year warranty on it. Also, the battery pack could still degrade over time if not used regu...
by madbrain
Sun Apr 22, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 7732

Re: What is a good flat rate cash back credit card?

If you're willing and able to move 100k over to Merrill Edge and open a BoA checking account you can get 2.625% on all spend, plus a bonus from Merrill. The OP asked about cash back cards. The BoA card - presumably the Travel Rewards card you are talking about - is not a cash back card. The 2.625% ...
by madbrain
Sun Apr 22, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 7732

Re: What is a good flat rate cash back credit card?

Right, but the point that Looking4Answers was making is that, if you had taken the $1 back that you got in month 1 in the form of a statement credit as opposed to a check, in month 2 you would only pay $99 from the statement--since you would have gotten $1 in statement credit--and you'd only get $0...
by madbrain
Sun Apr 22, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 57
Views: 3998

Re: Is this solar panel bid reasonable?

BTW, to corroborate the EV consumption data, I just reviewed the data from our smart EV chargers at home. They only keep data up to 6 months. For the rolling 6 months period, these add up to 2100 kWh. There was also 77 kWh of Chargepoint at work (not free). So, call it 2177 kWh for driving, or about...
by madbrain
Sun Apr 22, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75750

Re: To take or not to take delivery of Tesla 3

I paid 32900 for the bolt out the door. Base model and fast charge option, comfort package. After 7500 tax credit it's under 27k so at least 20k less than current model 3 configurations Sounds like you got a pretty sweet deal. I can't help but look over your math - 32,900 - 7,500 would be only 25,4...
by madbrain
Sun Apr 22, 2018 4:36 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 57
Views: 3998

Re: Is this solar panel bid reasonable?

BTW, here are some real-world solar production reports in San Jose. The system is currently using 28 Sharp 240W mono panels on 28 M190 micro-inverters, and 12 Talesun 235W poly panels on M215 micro-inverters. Ie actually 28x240 + 12x235 = 9540 W DC. Our worst year so far was 2017 : https://i.imgur.c...
by madbrain
Sun Apr 22, 2018 4:10 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 57
Views: 3998

Re: Is this solar panel bid reasonable?

I am cosidering going for rooftop solar, around 4KW capacity. I have a few quotes ranging from around $2.2 to around $3/W after a tax credit of 30%. Are These prices competitive in the Silicon Valley? $3 after tax credit is not competitive, IMO. How do you feel going with big guys (Tesla, Sunrun,,,...
by madbrain
Thu Apr 19, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15446

Re: Is Los Angeles a good place long term to live financially?

at 967 sq foot house in my Midwest metro area (consistently rated as one of the top places to live in the U.S.) , it wouldn't cost more than $150-$200k. May I ask where that is? I was going to point out that I knew a place in San Jose where you could find condos or townhomes of that size for $80K, ...
by madbrain
Thu Apr 19, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2634
Views: 500049

Re: What's Your Credit Card Rewards Strategy?

I think you hit the nail on the head with the highlighted portion. :wink: I'm a person who wants to maximize earnings married to someone who values simplicity. Same here :) I tried stickers on the multiple card. Didn't help my husband pick the right card for each case, unfortunately. If I were sing...
by madbrain
Thu Apr 19, 2018 6:12 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75750

Re: To take or not to take delivery of Tesla 3

My continued thinking process from there is that I can wait for the $41K car and not get full or partial federal credit (base model estimated date is next year) or buy the 50K car and get 7.5K federal credit and essentially think of it as a 42.5K car (though i pay taxes on the 7.5k that equals anot...
by madbrain
Thu Apr 19, 2018 2:41 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75750

Re: To take or not to take delivery of Tesla 3

Second, we looked at a Bolt and while it is not as nice as the M3, it is still a fun car to drive, comfortable in the back seat and (after rebate) is at least 20k less expensive than M3. I was looking at KBB fair market prices for base bolt and it showed 35K. You were able to buy it at a much lower...
by madbrain
Thu Apr 19, 2018 2:36 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11436

Re: Quitting job - what to do if getting walked to the door

My former employer, Megacorp,did not pay out unused PTO. They said PTO was granted and not earned. Yet the grant appeared on paychecks in the same amounts as if you had earned them. Go figure. That might not be legal in some states, like California. My employer changed to "unlimited vacation", whic...
by madbrain
Thu Apr 19, 2018 2:32 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11436

Re: Quitting job - what to do if getting walked to the door

This is why it is better to give notice on the 1st of the month and not the 30th. (That way you get health insurance coverage for the whole month.) If you give notice on the 1st and give 2 weeks notice, you will usually get only 2 weeks of free insurance Giving 2-weeks notice on the 16-17th day of ...
by madbrain
Thu Apr 19, 2018 2:22 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15446

Re: Is Los Angeles a good place long term to live financially?

I understand what I’m trying to do is difficult, and might be overly ambitious for me at this time. BUT I think if I skipped going to school and just moved there, even for just a year, I could have a lot of fun and a great experience. Like I said, I’m thinking around ~5K a month for rent, ~4K a mon...
by madbrain
Thu Apr 19, 2018 2:12 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5677

Re: I want to pay off my mortgage. Am I crazy?

I would pay off Everything. Give yourself "options" :happy It's the exact opposite you are doing by paying off the mortgage - taking options off the table, locking your money into home equity, which you may not be able to access later unless you sell the house. With higher interest rates, debt-to-i...