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For the sake of the argument, imagine that you’ve just won an “all expense paid” trip to the Caribbean. Warm sunny weather, beautiful beaches; the works. In fact, the only caveat is that the air conditioner in the lobby of your hotel is on the fritz, creating an uncomfortable chill for the 30 seconds it…

When purchasing a car from a dealership–unless you’re paying cash–there eventually comes the part where the dealership reaches out to a number of banks in an effort to get you approved for the loan.  (Which, if you have ANY sort of credit, they eventually do.) For better or worse, my philosophy has always been to…