Balance sheets are the ignored and misunderstood tool of personal finances. However, this recession/depression is being referred to as the balance sheet recession. As a society we were played because of our lack of interest and ignorance o…

Angela Davis received a troubling call at work around 1:45 p.m. Christmas Eve. She tried to call home but no one answered. She got into her car and continued trying to call home. Finally, someone answered but it was not Jonathan.I was wash…

Over a period of several months, Rick's wife began to notice that he was becoming "emotionally volatile." He began to get very moody - some days he was quite normal, then he would become irritable and irrational the next. There were no obv…

I drove across the parking lot and entered a local chain grocery store. I was thinking that maybe people were anxious and stocking up on groceries. What I found was just the opposite. The store was about at its normal business level on a T…

I showered, shaved, threw on my favorite pair of jeans and a New Jersey Nets sweatshirt, ate a bowl of Corn Pops, and grabbed my cell phone and camera. Then I set the cell phone back on the kitchen counter and walked out the door. Free fro…