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The leaves that were so beautiful the first of the month are now covering lawns and clogging gutters; the stock market has been bouncing up and down like a yo-yo; the stores are filled with Halloween, Thanksgiving and Christmas decorations, and the wee ones are getting ready for their annual costumed sugar high. It must be the end of October.

How frustrated are you that your credit card bill(s) never seem to get smaller? One of our Florida customers told us it felt like she was trying to fill in one of their famous sinkholes with air. No matter how much she shoveled her money into that financial ditch, that old money pit just kept getting bigger.

Mortgage rates are like a stubborn child. For months now we have been told by some “experts” that the good times are over and the …