» Discoveries

Credit card companies have a little secret they don’t like to actively make public. It’s called the “universal default clause”. These three words carry a lot of force behind them because it means if you happen to pay late on, say, your car loan or even your electricity bill, ...

A few years ago I went through a rather tough time when I lost my job. I worked for a large telecommunications company and they were letting go of their employees by the thousands – literally. I was in denial in my last days, hoping that I’d dodge the bullet, but when I got *the call* fr...