Retirement

Have you checked the mail today? If so, there’s a decent enough chance that somebody somewhere wants to give you money. Banks are clamoring for you to transfer your balances to them for 0% APR (for the first 12 months or however long it takes you to read the terms and conditions, whichever is longer) or buy a car (as long as it’s new and you take out a 60 or 72 month loan) or refinance your house and pay less each month (conveniently leaving out loan costs you’ll incur by doing so). Continue reading →