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Q: I just got a letter from my mortgage lender offering me a 6.5 percent fixed interest rate on my home equity line of credit balance, which is right around $100,000 and is the only debt I have on my $500,000 home. My family and friends think that's a great rate, and are urging me to fix it. My hesitance is that my current interest rate on that line is in the 2 percent range and it has never been higher than about 5 percent in the several years I've had the loan. A: Author Erica Jong once said, "Advice is what we ask for when we already know the answer but wish we didn't." Reread your question and you'll see what I mean. Mindset Management There's always the fear that if you don't take advice you've been given by different people, you'll be making a mistake. Or perhaps ...