For #2, I’m not sure the 20% applies to everyone anymore. I put much less than 20% down when I bought my house five years ago and I did not have to purchase mortgage insurance (aka PMI). I looked at several mortgage companies and while some offered me a lower interest rate, my calculations showed me I would save money…

Not going to lie, I absolutely hate that you include Michael Brown in this... what happened to Garner is disgusting. What happened today is outrageous and disgusting. But on Brown:

Yet, here's why this type of narrative is dangerous. You're taking a handful of instances in a 20 year time frame and making it sound like an epidemic. Are there bad, racist cops? Yes. Are there people in the system who don't necessarily work towards justice? Yes.

Sure, each of the instances you mention is unfair,…

"In August, Ferguson, Mo. police officer Darren Wilson shot unarmed black teenager Michael Brown to death in broad daylight. That is what American police do."

Albert, how do you feel if a black person tells you that your opinion is invalid because you're white? Serious question here.

Got ya beat... $160k+ in loans, refinanced with SoFi. It was easy, but bear in mind my income is fairly high as well.

I can't comment on the $100k+ consolidation, as mine was substantially less.........but I used Nelnet and cannot say enough about how great it's been. Back when I did it (2005), the base rate was 3.5%, then I got a .25% deduction for setting up autopay, and after making 36 on-time payments (automatcially) I was…

I flew Virgin America once. Now it is just called America.

We do! Well most of us aren't that good at following the law all the time. And some are really horrible.

Pretty much... :D