The Federal Reserve raised its benchmark rate by a quarter point to a range of 3.75%-4.00% which came as no surprise to investors. Fed funds futures had put the probability of a hike at better than 90%. Variable-rate borrowers will feel it relatively quickly while those with fixed-rate mortgages will be largely insulated from the…

There is an interesting thing about difficult people. They can be out of your life for hours, days or even years, yet somehow continue to occupy space in your mind. I have experienced this myself. Someone says something unpleasant, behaves badly or creates unnecessary problems, and long after the encounter is over, the conversation continues…