Assumable Mortgages

Assumable mortgages are apparently making a comeback amid high mortgage rates. They allow a home buyer to take over the seller’s mortgage, including its interest rate and remaining balance. Roughly 25% of mortgages in the U.S. are assumable. They gained popularity in...

Fix things

As a country we don’t know how to fix anything any more. The world is more complex, a hundred years ago when I was a kid, tv’s had tubes in them.  Yes, I am that old… Now when a tv was not working you would unscrew the back off of the tv and look at the tubes, it one...

Scammers and Check Fraud

If you ever watched a movie or tv show you are aware of some common methods a scammer might use to commit fraud with a stolen check: Altering information on a check: A scammer may use common household chemicals to change the printed dollar amount and payee name on a...

Check and Mail Fraud

What you can do to protect yourself from mail theft and check fraud. There are steps you can take to help reduce your risk of getting taken advantage of by someone engaging in a mail theft-related check fraud scheme. Here are some tips to keep in mind to help protect...

General Illiteracy

As a follow-up to my last post on Functional illiteracy today, I now address the past. General illiteracy rates in the 1930s In 1930, the US Census reported 4.3% of the population aged 10 and over as illiterate, meaning they could not read and write at all. For those...

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