Backing Up Pictures 2

Backing Up Pictures

Backing up pictures is a necessity for everyone.  It used to be that the only backups of photos was a stack of negatives that more often than not got lost and scrambled together in a junk drawer.  Most of us print out only a small percentage of our pictures.  Since pictures …

When Treasuries Go To Zero

How Cheap Are Mortgages When Treasuries Go To Zero?

Across the world, the interest rates on Treasury bills have turned negative in many different countries.  In this bizarre scenario, depositors pay the bank to hold on to their money, rather than the bank paying them interest. Such a scenario is obviously not good for depositors, but what about borrowers? …

Help With Buying A First House

Help With Buying A First House

Buying a first house is a big step in life, and it is often extremely difficult to reach.  I advocate, as do many financial advisers that putting down 20% and getting a 20 year mortgage or less is the best way to buy a home. That isn’t to say it …