Increase Retirement Savings Plan Fairness

One day last week I came across an article in the USA Today comparing the pensions of the top 100 CEOs to the retirement savings of average americans demonstrating a deep divide.  The capitalist in me viewed this as no big deal, because obviously higher income people will have higher …

Buying A House Without 20% Down

Okay, for YEARS I have been pitching the idea that before buying a house you should save up a 20% down payment.  A 20% down payment means that you avoid paying PMI and are not forced to do escrow for property taxes and insurance.  By saving up 20% you also …

I Bounced My Bank Account

For the first time in my life I bounced my bank account.  When I logged into my account I saw that not only had I over-drafted my account, but that I did it twice, and thus was subject to twice the fees.  We are doing pretty good financially, so how …