Things don’t always work out, but I remain optimistic

Bhutan - 1 (1)

The other passengers have just finished eating delicious food. I didn’t even start.

A brothel, a baboon and a bone-rattling drive have been some of the lowlights of travels you can read about in my previous posts.  In this one, you’ll discover how this scuba diver was led to water and left mostly high and dry.  After my trip to Bhutan, you’ll see how the drawbacks of climbing every mountain became clear to me and will be evident to you as well.

Last of 4 Parts

Travel insurance definitely would have eased the financial pain of one my most recent travel disasters, a scuba diving break.  Logistics forced me to take three airplanes each way from my home in Cambodia and spend two overnights at hotels in Indonesia both before and after.

Given that I parted with an unholy amount of cash for the five nights of diving from an exceptional liveaboard boat that cruised from the island of Flores, I conceivably should have considered that something could go wrong.

What went wrong, to put it mildly, was Continue reading

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‘Pre-qualified’ has become an empty phrase

Pre-approval of a borrower seeking a mortgage is much different from pre-qualification.

You can thank the Dodd-Frank Consumer Protection Act for depriving the term “pre-qualified” of relevance to borrowers in search of financing their home purchase.

That’s not really a bad thing, but it does place a greater burden on borrowers to prove themselves worthy of a mortgage before they present an offer to sellers.

All pre-qualification means is Continue reading