The current world financial tsunami started with the collapse of American mortgages. Many people who over-strapped themselves, and bankrupted their families with homes they couldn’t afford believed they were doing the right thing. Their whole lives they were told that a home is a great investment, money in the bank. Now they are learning, a bit too late, that it’s not.

Money, as in money in the bank, by definition must be devisable, portable, and universally ... (more)