A overview of who is to blame for the mortgage crisis.

The Dow Jones and its swings up or down have little bearing on 80% of America. The financial sector and the the wealthy have separated themselves from our welfare. They are all in Titanics lifeboats and we are left to go down with the ship they plowed into the iceberg. I have created The Middle Class financial index so you will know how we all really stand.

Federal law requires a borrower be given a three day right to cancel when they re-finance their mortgage on their primary residence. Let us look and see whether this is a good law or a bad law.

A defense of the law in South Carolina which requires that an attorney perform a real estate closing. This is good for efficiency and protection of parties and their legal rights.