To the reader. I came across this graduation advice from the Michael Joesphson WEB site of character counts. I added some of my own thoughts and sent it to my grandson who is graduating from high school. I thought it would be a nice departure from my leadership articles. Read More »

With home interest rates at historic lows and home values continuing to decline are you dreaming of buying a home but unsure of the first steps to take?

Getting your credit score in line (see March 2009’s “How to Build a Killer Credit Score”) is key; however, debt-to-income ratio ( DTI ) is considered one of the most important qualification requirements when getting a home loan approved. Simply put, DTI is a calculation of your monthly debt obligations compared to your adjusted gross income. Read More »