How is PMI a scam? PMI is an insurance product that is fully disclosed and is completely within the borrower's control on whether or not they end up needing to pay it, based on the amount of down payment they are willing to provide. Nobody is getting tricked into paying it.

The nominations were made by readers and they take the top 5. Readers submitted these, not Alan.

That is basically the definition of a credit union. That is also why they call their customers "members". There are credit unions out there that are pretty open, such as the requirement to join is that you have to live in a certain county or basically have a job, but all credit unions typically have some membership…

Just a heads up that this is probably a hard inquiry that is lowering your score when you ask. I used to work at a bank and we had no way of doing soft pulls. We actually had to run your credit. Also, they are putting themselves at risk by not having a signed credit app from you authorizing that pull.

I wish I would have seen this earlier as this will probably get buried in pending comment land, but I am seeing different answers to the question: Is the money factor negotiable?

Can you negotiate money factor?

That is not "the problem of having another person associated with the same SS#". That is actually called "identity theft".

I know I can be high maintenance, but I don't feel that a blog post is appropriate. I feel that an email to customers directly from the CEO is more appropriate given the scope and length of time.

What? No two people have the same SSN...

Yes! I wish they would do an article on the service issues that have been happening for nearly a month now. Completely unacceptable and unprofessional for a service I rely on to handle my finances. Supposedly bill pays that were electronic before are still being sent electronically, but it just doesn't tell you for…

Can you do a story on how Simple has been having service issues for nearly a full month now and is no longer reliable for half of the services I expect from a bank?

Yosemite is 10.10...

pics or it didn't happen

Lol nobody wants to comment on this article?!

Um, no? You're = You are. It is not "So, Dr. Tyson, you are math is still wrong.

Hey Alan, just wanted to say thanks for all the great info and recommendations! I am glad you took the time to reply and I appreciate it!

Hey Alan, where do you buy your beans? I have a hard time finding quality beans to try.

Are you embarrassed of your wish list?

This sounds pretty cool, gonna check it out.

I do not see the option to edit favorites anywhere.