Dear Mary: We have not been very diligent about the upkeep and maintenance of our home. In 14 years, we've not painted the exterior. We feel a need to do so, not only for aesthetic reasons but also because there is probably dry rot and termite damage, as well. Should we take out a new home-equity loan to pay for these things, or should we just keep things as they are, given that there's not an immediate need? -- Anonymous, e-mail

Dear Anonymous: Deferred maintenance will kill you in the long ...

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