Normal guy learning the ropes about money and sharing them with everyone. As long as what I say helps one person, it is worth the time. I learned about money the hard way. By losing it. That will not happen again. I hope this helps you. Browse my archive for more useful info. All funds earned and donated from this page go directly to the literature and education of personal finance to members of Crosswalk Church http://www.crosswalkphoenix.com/ Thank you for your time and generosity.