Quickly, what’s the easiest thing to do today (financially speaking)?

If you answered ‘borrowing money’, then go to the front of the class because you are obviously a sharp student and a citizen of the world.

Unlike those days when borrowing money was tough, today, everyone wants to lend you money. Banks, credit cards, cooperatives and of course, loan sharks – they all want to lend you money. So, they send in pamphlets, flyers, letters, e-mails and even pre-approved loans with attached che...