Posted on January 16, 2009 at 1:12 am This post was removed as it was a posting of someone else's article without permission. The author's name and website were listed. That is not permission. I could pull a ton of articles off sites and post them. However, the fact remains that posting someone else's article without permission is not acceptable.

Posted on February 25, 2009 at 1:59 am Consolidating useless, frivolous consumer debts onto a mortgage is irresponsible. Can you imagine repaying a cup of coffe, a pair of shoes and an old car for 30 YEARS? How irresponsible. You're reducing your equity and potentially putting your loan 'underwater' for the sake of being undisciplined enough not to pay off the money you borrowed in the first place. :(

Posted on February 26, 2009 at 3:10 pm While I agree w/Raven on not using a consolidation loan for those types of items, I do see merit in a consolidation loan. Mind you, the loan has to fit the circumstance. For example, I believe it would be OK to use a consolidation loan to pay a hospital bill or some other type of emergency. As a caveat, I say if you use a consolidation loan, you should pay more than the required loan payment. That way you are decreasing your principal and by default the amount of interest you pay over the life of the loan. Whatever you do, don't use a consolidation loan to purchase wasting assets. That is pure idiocy. That's my 2¢.

Posted on March 23, 2009 at 2:20 am Very good points. I don't have a mortgage, but I could pass this info along to friends.

Posted on March 24, 2009 at 2:34 am I don't have a mortgage, but I could pass this info along to friends who have.

Posted on March 24, 2009 at 6:27 am I have a mortgage, in this way I buy my home.This is very useful for me