Some borrowers are pretty damn good at fraud.

If the IRS suspects fraud, they can go back as far as they want. But for 99 percent of the taxpayers, three years is enough. You don't need to keep them longer than that.

Some people think they should go to Heaven but not have to die to get there. Sorry, but that's simply not how it works.

My daddy used to say that I was too big to ride and too little to hitch a wagon - no good for a damn thing.

It's amazing how prevalent check fraud really is. By the time it comes here ... the merchants are pretty fed up.

That's pretty good for someone who wasn't interested.