Randy and Rhoda just got married and found their dream home….

Randy and Rhoda just got married and found their dream home. They will need to take out a loan of $96,000 to pay for the home, as they have a $24,000 down payment. Randy and Rhoda qualify for their loan at 4% for 30 years. Randy and Rhoda have the opportunity to purchase 2 points to lower their interest rate to 2%.   What will their monthly payment be with points?

Life has been rough lately. You were watching the news and s…

Life has been rough lately. You were watching the news and saw that there are rulers fighting over power, the streets seem lawless, and respect seems non-existent. Your son even backed-talked you when you told him to clean his room (it’s all you could do not to throw hands)… what’s this world coming to? You were telling your buddy at work about it and he said he just listened to this new podcast from a dude he’d never heard of before. This guy had a new philosophy on how things should operate. He didn’t yell or promise riches, he just spoke calmly: “If rulers lead with virtue, the people will follow. If children honor their parents, and friends act with loyalty, harmony will spread.” Then it hit me… maybe order doesn’t come from fear or punishment like we’ve been doing… but from virtue and respect starting in the home. If families are strong, society becomes strong. Honestly, it feels different from anything you’ve heard before and you can’t stop wondering… maybe this is the path back to balance. Who is this philosopher teaching that respect, virtue, and filial piety can restore harmony to society?