HELOC

I know I said I wasn't going to offer financial advice here. I'm going to make one exception. If you have equity in your home, which I know is not an easy question to answer these days, take out a home equity line of credit. It is just that by the way, a line of credit. If you never use it, you owe nothing on it. If, heaven forbid, the financial roof falls in though, you can use that line of credit as a stop-gap to get you through rough patches. With the economy looking so uncertain these days, it's not a bad idea to have a little something to fall back on if need be.