Wow.  It appears we Spanish surnamed persons are melting into the pot.  Maybe someday we can start referring to ourselves as simply Americans, and start phasing out the ethnic labels?  Just wondering.

Its better to stay out of debt and not be concerned about increasing your credit limit.  If you use a credit card, pay it off in full every month!

Current home prices ARE NOT now at 2001 prices as the real estate & mortgage industry are so desparately wanting us to believe by posting cheerleading articles like this one.  Sorry folks, but prices are still 25% to 40% overpriced nationwide.  The increase in average family income over the last 10 years could not keep...more

The return of the 20% down payment is not the problem.  The problem is the inflated cost of housing which has increased much faster than the increase in salaries and wages of the average American family.  The average price of houses are still way overpriced by as much as 25%-40%.  I refuse to be a slave to inflated mor...more

It takes longer to save up for a down payment because houses are still way overpriced for the average American family.  Over the last 30-40 years, the prices of houses increased much faster than salaries and wages of most American families.  If house prices will stop increasing for the next 5-10 years, more American fa...more

The experts are wrong.  The government will not shut down.  The congress will not be that stupid.  Congress will not say "we can't work out a deal, so now the public will suffer"  Not going to happen.

I like the idea of Wal-Mart Express stores so that we can get in and get out in a hurry.  Making sure there are clean bathrooms for those of us who travel a lot would be a major plus also.  Maybe add a Starbucks or a Subway inside the store.  Good luck with your new project Wal-Mart!

Pathetic. The credit card companies are getting desperate.  This is really bad financial advice.

Houses are still waaaay over priced.  Its extremely difficult to save a 20 percent down payment, have a savings set aside for house repairs and maintenance, and try to limit your monthly mortgage payment to 25-30 percent of your monthly take home pay.  I will be renting for a long time, and I'm quite fine with it.  I r...more