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 …

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? …