Needs vs. Wants – My Hypothesis

I have a hypothesis, remember those from middle school and high school. My hypothesis is that as a person gets older their perception about what is a Need and what is a Want gets fuzzy. How is that for some scientific lingo? Let me try to explain this thought or “hypothesis”.
 
Based upon my interactions with [...]

Refund Anticipation Loans

What is a Refund Anticipation Loan (RAL)?
 
A Refund Anticipation Loan is a high-interest short-term loan secured by a taxpayer’s expected tax refund.  A taxpayer commonly applies for the loan through a tax preparation firm.  The taxpayer receives an amount up to the refund amount less the loan fee, tax preparation, and other fees.  The proceeds of [...]

The Banana – One Cost Effective Fruit

A Tale of the Banana
A professor in a Physiological Psychology Class told his class about bananas. He said the expression “going bananas” is from the effects of bananas on the brain. Bananas contain three natural sugars – sucrose, fructose and glucose – combined with fiber. A banana gives an instant, sustained and substantial boost of [...]

What’s Inside Your Cupboards?

Okay, so I am currently doing the first of the year thing.  You know the one that so many people do at the beginning of a new year.  We work ourselves up in a frenzy to turn over a new leaf and make some changes for the good.  I have really put some thought to this [...]

Repair vs. Replace

If you have watched the nightly news lately this has been a hot topic of discussion.   You hear of the local mom and pop business booming from the new orders on fixing this and that.  You see the reporter  interviewing  some person walking out of a “fix-it shop” with a smile on their face because of all the [...]