Dear Mary: I recently took a Web seminar on Money Merge Accounts in which they talked about the idea of paying down a home mortgage using a home equity line of credit. They told us to use the home equity line of credit as a personal checkbook to pay all our expenses. But how would using a home equity line of credit that has a higher rate of interest be to someone's benefit? -- Mike, e-mail

Dear Mike: Money Merge Account is a trade name for a somewhat complicated mortgage repayment technique. ...

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