Most financial advisors peddle one of two things:  annuities or high load funds or partnerships.  That is not what most people want or need.  Stay away from these. There are many choices for a novice investor.  Two come to mind.  Go to Fidelity or Vanguard.  Go to their low fee index funds.  With 2-3 index mutual fun...more

In Singapore where we recently visited, the government has subsidized apartments for low income folks and the few that are on welfare (which is a whole story itself).  These apartments, for up to 2 people are 200 sq feet.  A family of up to 5...400 sq feet.

College costs have skyrocketed precisely because of the virtually unlimited amount of loan money and tax credits available.  If those loan dollars and tax credits were eliminated or severely cut, colleges would have to respond by dropping tuition, fees and books costs to maintain enrollment. Remember an empty seat in...more

Except for small windows of opportunity all of the major theme parks are terribly overcrowded.  Everything costs plenty and unless you like spending over half of your time standing in line, stay away. Better yet, take your kids camping or vacationing to our national parks or recreation areas.  A far better deal, much...more

Cops spend enormous amounts of resources chasing drivers to write traffic tickets.  Why?    Follow the money.  It is enormously profitable.  Instead of chasing criminals who really can hurt you like rapists, murderers, burglers, etc., where cops should be spending their time, the cops are largly writing traffic ti...more

Your idea, while noble does not work.  Firstly, it is a zero sum game.  Second, you would be relying on everyone who got their mortgage paid off continue to pay to others. Better each person just accelerate payment on their own mortgage.

And if you don't like the interest rate, don't borrow the money.  There is an old saying when you are a lender..."it is not return on investment that matters, it is return of your investment".  Interest rates are based on risk. People pay high rates with poor credit and/or little or no collatoral.  High rates are ju...more

Let's face it.  For many people, retirement from work will occur at death or total disability.   Enter retirement with a fully paid for main home you can afford to own.  A late model car in good condition fully paid for.  Take in a roommate if you are single and that will pay for most of your everyday housing expen...more

Off the regular menu, counting tax, $7 for a lukewarm burger, ten cents worth of pop and  asmall bag of fries?  No thanks.  When I do go there, which is not often,  I stick to the $1 menu and drink water.