All Banks Are Not Created Equal

Years ago, Sam and I helped a couple dig out of a financial mess. They came to our apartment and, one bit of data at a time, entered all the transactions they ‘d made in the past year. Why did we have them do this? To show their spending habits and patterns. Not...

Up with Walmart – Down with Idiots

Notice to family and friends: I plan to do the bulk of my holiday shopping at Walmart this year. This is in protest of idiotic Walmart employees who claim Walmart doesn't pay them enough or give them enough hours…but are too lazy or unqualified to look elsewhere for a...

Just Say Yes to Mortgage Brokers

Building a custom home is a huge undertaking. If you plan to dive into the process, I strongly suggest you start with a sound financial footing, strong marriage, and robust health. No matter how you slice it, this project is going to try all three and the better you...

Customer Service: Sonic Wins and Target Fails

In his epic tome, The 4-Hour Workweek, Timothy Ferris tells how he gave his customer service representatives the authority to solve any problem if it cost less than a specified dollar amount. This not only freed up Ferris, but made for happy customers. Target (Orem,...