AN– When you look at those rates you should look at the APR as that’s the actual cost of the money. I also assume for arguments like this that it’s unlikely that you can usually get the “best” rate (or whatever number you’re looking for). Not saying it’s impossible, just that when you need to look at the boundary conditions to make your math work, probably not the best place to be (gives you zero margin for, well, anything).

Yes, the title is “Would you have done this?” and I’ve pretty much made it clear that I would. I’m sorry, I was under the impression we could debate the basis of our answers.

And, yes, I know that you didn’t think those opportunities were conservative. I’m just picking on you because you’re contradicting your own arguments again (remember the liquid/not liquid thing?)

Hey, I get it. If I could have my house paid for *and* have close to a half-mil in the bank I’d be stoked. If you step back and think about it for a minute, that’s the kind of flexibility you’re arguing for. We both hate the idea of having that much money locked up to it either way.