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This should be perma-pinned somewhere on your site and various other sites.
In fact, this should be required reading for all graduating high school students.
I truly believe that if you took this whole series and turned it into an easy-to-read, easy-to-understand set of videos or books, it would be a valuable public service.
-rsh
If Congress didn't suck so badly, they could impose better transparency guidelines (note that I'm not saying regulate, but rather ensure transparency, as I believe the market should self-regulate and allow broad risk profiles for investors). I would argue the majority of consumers cannot clearly articulate between interest rate and effective APR that is shown on every mortgage product.