Are We Doing It Wrong?

Which to celebrate. substance or pomp and circumstance?  In 1776, John Adams felt that Americans should celebrate the resolution of the Second Continental Congress: “That these United Colonies are, and of right ought to be, free and independent States, that they are absolved from all allegiance to the British Crown, and that all political connection …

If Only…

I am now in month two of trying to refinance my house.  It should be a fairly simple proposition.  Ok, maybe not as simple as during the bubble.  Mortgages are not for everyone.  I do think it is appropriate for banks to conduct fair risk assessments before they lend money.  However, our bank has had …