…work or not whether it is a good idea or not. It seems most people have a correct answer machine in their heads. Michael Hoy Who's my favorite publisher. He publishes loan panics books. He publishes books on how to cheat on your income tax and how to…

…you kidding I bought the first copy. That's the great thing about loan panics books: the people who need them get them. Michael Hoy wrote an article recently for a magazine called critique in which he gave a little parable supposing somebody told you I've…