Tag: Ess Eff CA

Big Machines

Twenty years ago, at the dawning of the commercialization of the Internet, someone described the POTS (the Plain Ol’ Telephone System) as the biggest machine ever made. It spanned the globe. It reached into virtually every home and business in the developed world. And it was all one — it was all […]

On Shelter Comings and Goings, and Refinancings: The Certainty of Uncertainty

One week off from writing, and I felt at a loss for a topic, until listening to Dave Ramsey on the radio this morning and then . . . I listened to Dave answer an emailed question along the lines of, “Dave, I can re-fi my mortgage, which is at 5.125%, […]