A penny saved is a penny earned, and if you're like me, you would rather make money by doing very little than by making money by the sweat of your brow. There are a lot of people who could be saving over $100,000 just by ma
king the right moves on their home mortgages. Take the case of a friend of mine who was complaining about being spammed in his e-mail, and having a mailbox full of junk mail, from mortgage companies trying to get him to refinance his house.