Is there a war on Middle-Class Americans? YES!!!!! Why whatever do you mean Brian? My life seems to be going swimmingly. Everyone I deal with smiles a lot and has a firm handshake.

My bank says the advocate for me. That’s what the sign says as I walk in the door. My insurance person is like a good neighbor. I have a mortgage app from a nationally advertised company that tells how much money I will save and how easy the home buying process will be. The mortgage process sounds safe and easy as a Sunday afternoon nap, and I like naps. The person who sold me my car congratulated me on what a good deal I got on my last car purchase.

Think again. The outer space mortgage app company will price you initially as if you had perfect credit and a 20% downpayment. Then the outer space mortgage app company might switch your rate and fees at the last minute because your credit is marginal and you have no downpayment.  Or you could get your pockets picked by a fairly successful mortgage company in East TN that is always at least a half a percentage point higher than the second most expensive mortgage company in East TN. Do they give a disclaimer up front saying, ummm so that you know, we charge more for the same thing as other companies and have been trained to make you feel like we did you a favor? Please initial, sign and date. That disclaimer does not exist.

Does State Farm only overcharge rich people? Nope, they will gladly overcharge you too. Read

Do you feel good about your last vehicle purchase? Do you feel like you received fair compensation for your trade-in? Do you think you would have gotten a better deal on the purchase, what you received for your trade-in if you had a little more time and a lot better information? Do you think you would have gotten a better rate and term on your car loan if you had higher credit scores? Did your salesperson suggest you not be hasty with this decision? Or did you feel squeezed and incentivized to make the purchase right now? Not after lunch or tomorrow but right now!

If you knew better, you would do better. How can I know what I don’t know? Ask better questions. Better questions lead to better answers. Better answers lead to more questions, which lead to more answers. Before you know it, you will know what you once did not. What you don’t know is costing you a fortune. I have 14 years worth of stories to share from over 30,000 hours spent solving credit problems. Helping you ask better questions to get better information is what I do.