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Freedom From the Day Job

Should you quit your day job to work for yourself? The answer might lie in defining what "work" actually means to you.

The Three Interest Rates

I got a notice from one of my credit cards a bit ago, announcing that they were raising the interest rate. It's only of theoretical interest to me, of course--I use credit cards f

Borrowers, lenders, and others--beware trusting the government

Having a prosperous country (as opposed to having merely a prosperous elite) depends fundamentally on the rule of law. The system can work adequately well with various sets of rule

Three bad ways to fund mortgage lending (and maybe a good way)

Any institution that wants to fund mortgages has a problem. They want to lend the money out for thirty years, but the money they have to lend comes from deposits that can be withdr

The whole sorry mess in one picture

How much money is there in the economy to borrow? Well, if you don't have foreigners lending you large amounts of money, and you don't have central banks creating large amounts of

Money to start your business--without banks or saving

Suppose you and your friends all want to start small businesses. You've all got money coming in, you're all in a position to save up some capital, but it would take you a year

When Should You Say No to Those Who Want to Borrow Money from You?

I think most of us have been asked to lend money to someone we know. No matter how close you are with the potential borrower, there are certain situations when you just have to sa