Basic Economic Principle: Only a fool replaces short-term debt with long-term debt. Wow, that's quite a harsh statement, but a statement that will stick in your mind when the financial pressure is so high and there just doesn't seem to be a way out. Consolidating your debt into your mortgage loan just seems to make so much sense when you're under pressure to pay the bills, but is this a wise decision? Is making that five year personal loan at the bank going to solve my current financial…See More