So it occurred to me recently that in this day and age, there is really no reason to pay your bills by mail. Doing so is wasteful in at least two ways: 1) you lose most of your ability to profit from float and 2) you’re forced to use stamps, which are getting expensive.
Theoretically, you [...]

Personal finance commentator Dave Ramsey says that “responsible use of a credit card does not exist,” and advises consumers to cut up their credit cards. Check out his article “The Truth About Credit Card Debt,” in which he elaborates on these views, here.
In general, Dave Ramsey offers solid financial advice, but I humbly disagree with [...]