On an unseasonably warm December day, I hurry down the drive way to get to my ten-year old Honda CRV parked on the street in front of my house. I pull the keys out of my pocket to manually unlock the driver’s side door. The keyless entry stopped working over a year ago. As I…

How many people have you heard lately say “I am going to buy that when I get my tax refund?” For many, tax refund season means that they can catch up on bills, buy their kids new clothes, or finally fix that leaky roof. According to SmartAsset, the average household federal tax refund in 2014…