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Last June, I wrote a post asking if we really needed credit cards, and came to the conclusion that yes, we did. At least one credit card, since there are many entities that will require proof that it’s you via a credit card, or won’t hold something for you unless you give them a credit [...]

I was reading an article on Newsweek’s online site titled Bank On More Failures. The writer was interviewing Lawrence J. White, a professor at New York University’s Stern School of Business on the subject. White basically believes that hundreds of small banks are going to fail, not necessarily because of the real estate problems with [...]