This one will leave the quant guys and gals scratching their heads: Jeff and Kathy are both in the same exact situation.  They both have two credit cards where they carry the exact same balances:   Jeff and Kathy have the same minimum required payment.  And, both of them have…

Never having had kids, I’ve sidestepped a pretty daunting financial obligation.  Obedience training for our one dog doesn’t come close, cost-wise, to raising and educating several children. I have a mild and manageable amount of guilt about this.  In the short term, my siblings have burdens I don’t.  But, in…

Going back a few decades, the idea that one could (or should) closely manage their credit report was not mainstream.  For the most part, the data in your file was accessible to companies who subscribed to reporting services.  People could, for a relatively robust outlay of money, purchase their report,…