Each year I’m given the privilege of speaking with several groups of recent college grads about personal finance.  It’s no secret that even after 4 years of high school and several years of college (and perhaps beyond) most people enter the complex world of personal...

The decade of the teens has been one of the most remarkable in US history in terms of contrasts. Charles Dickens, in his Tale of Two Cities describes it remarkably well: "It was the best of times, it was the worst of times, it was the...