Marmaduke (1/7/11)

I’ve heard a lot about banks refusing to loan money to people, but my experience has been just the opposite. A little less than a year ago, my wife and I were able to secure a home loan on very reasonable terms. When we contacted companies to remodel our basement, they assured us that we could finance the entire (fairly expensive) project with no money down. And when we called a heating contractor to service our boiler, he told us he could simply replace the whole, unbearably ancient, unit and offered us a three-year payment plan on the spot. Fortunately, we’ve been wise enough not to sink ourselves into debt, but it seems like the opportunities are still there for people who just don’t feel like being frugal.

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