I'm not picking on Twitter, as I love it. It's just that the last few posts have gathered a few good comments, which made me look at my Twitter...

The time to apply for a home equity loan is when you don't need it and rates are low. Home owners often lament, "I've got a lot of equity but it's not in my pocket." One way to put that equity into your pocket is to sell. Another is to refinance your existing loan with a new, larger loan. The third...