You might have a home, but you can still take out a loan. A loan is basically a smart way for you to borrow money for something that you need or want. But it does not necessarily mean that you'll be getting yourself into debt by doing this—you just need to know what kind of loan works best for your situation. In fact, refinancing your auto loan may be the best idea if it benefits your overall financial situation and helps prepare you for future expenses such as car...