I wouln’t say it is the baffle them with bullshit but I would tend to agree tht a lot of this stuff is way easier to manage these days with online billpay and automatic payment .

The baffle them with bullshit was occurring when they stated that the HELOC was cheaper than the mortgage because the duration was shorter. That is just plain not true. 3K carried for 1 month in an HELOC will be more expensive than 3K carried in the mortgage.