We live in a society that seems to value certainty. As a group, we trust someone who stands up and declares, “I know something without a doubt.” Do we ever stop and ask ourselves, “What is certainty?” It’s a very important question that is never asked.

So, let’s ask it. What is Certainty? I don’t want to address individual issues, I want to talk about the state of being absolutely certain. It means that we think we know everything there is to know about a subject, to have absolute knowledge such that it’s not even worth the time to listen to other information.  read more »

I’m sure by now you all have noticed the ongoing meltdown in the mortgage industry. The cause of this whole mess is a little bit complicated, rooted in both the structure of the mortgage industry, and human nature. I’ll try to explain both factors here in layman’s terms.

How does the mortgage industry work?

Most of you have seen the ever present ads for mortgages, promising low payments, and low interest rates and no income checks required. Seems a little fishy and too good to be true, right? Well, for the most part it is. Let’s go through the whole loan process, from start to finish. In a perfect world, this is how it works.  read more »

Yesterday, the Democrats caved again. I don’t need to specify which issue, since I’m sure that phrase will apply whenever you are reading this. I can’t even begin to explain how frustrating these last few years have been, and not just because of the predictable self serving Bush administration. This country was founded on the principal of checks and balances, and it hasn’t been just the White House that has screwed it up so badly.  read more »