I got a letter from my company health insurance saying that since I'm a smoker I am either required to pay $100 more a month in premium or enroll in a Quit Smoking program. Well, I call BS on that and here's why:

Economics. It is said that smoking increases healthcare costs. Therefore; smokers must pay more. Ok. (Or not ok.) HOWEVER; non-smokers cost the healthcare industry MORE than smokers. How? Because they live longer to rack up a higher bill. That's it in short as reported by the ...

Learned something interesting and freaky.

Part one: S& L bust of the 1980's. Only about 12% was due to fraud. The real kicker was because in the 60's & 70's people got mortgages at fixed, low interest rates. During a period of steep inflation banks began paying out far more than they earned. The result was collapse. So, they created adjustable rates to cushion themselves from a repeat. (learned this part from Dave Ramsey.)

Part two: In 1992 the UN created ...