Primary Residence: Determining What You Can Afford

Primary Residence: Determining What You Can Afford

Typically, people buy the nicest house that they can afford. Sometime the thought process is that increasing income over one’s lifetime will ease the burden of a large house payment. While there is some merit to this thought process, I would urge you to analyze this purchase as a banker would.

Are the Rich Really Getting Richer while the Poor Get Poorer?

Are the Rich Really Getting Richer while the Poor Get Poorer?

[et_pb_section admin_label=”section”][et_pb_row admin_label=”row”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text”] Dr. Steve Horowitz says “No. This is just a myth.” Here’s his explanation. It grates me when one behaves as if he or she is clearing something up but he or she doesn’t make the distinctions required to indicate just what it is that needs to be cleared up in

Pick Yourself Up

[et_pb_section admin_label=”section”][et_pb_row admin_label=”row”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text”] After reading this, I couldn’t help but laugh a little to myself. While I can certainly appreciate some part of Palin’s message about providing a positive message to young women caught in such a difficult situation, and I share the desire that something as awful as abortion could someday find its

Code Craftsman, Code Warrior, or Just Sandwich Artist

[et_pb_section admin_label=”section”][et_pb_row admin_label=”row”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text”] Background So, there is some debate in developer circles about whether programming is an art, a science, or both. Recently, I have heard the word Code Craftsman and even Code Artist used by folks in the blogosphere. On the one hand, there is little argument that written code can be

The “Moral Hazard” of Insurance

In the insurance industry, the idea that the protection insurance offers the consumer promotes a more reckless attitude on the part of said consumer is referred to as “moral hazard”. Apparently, since we have the material possessions in our homes insured against burglary, we are less likely to lock our doors for example. While I

Healthcare Law Henceforth

I propose a new law that will empower all people. It is called the Health Care Reform Amendment Act 2010 and will henceforth be called The Law, with all the weight and profundity so implied. Past reforms have proposed ridiculous ideas such as giving all people free health care managed by the government, while others

Poor and Minority Effects on the Subprime Crisis & The Economy as a Whole

This supposed link between minorities and the sub-prime crisis has bothered me for quite some time. Many conservatives are making the argument that illegal immigrants, minorities or the poor along with their Democratic allies have somehow created this sub-prime crisis. My fundamental argument is that the poor and minorities don’t control enough wealth to have

Ultra Libertarians vs. Compasionate Anarchocapitalists

I often read Matt Assay’s “Open Road”. For the most part I like reading his take on the open source world, but every now and then he posts something that makes me feel like I am researching lesser known connections of some political organization. Really, I didn’t know the Heritage Foundation was connected to Chechnyan