In this corner, hailing from Houston, Texas -- tinyhands.
I'm certified in nothing and not a lawyer, so take anything I say with a grain of salt and verify twice before you rely on it. I've got lots of real world experience (marriage/divorce, jobs/unemployment, mortgages, investments) to draw from and I love problem-solving, so expect to see me chiming in on the reader questions. I'm also a career-changer, as I decided in my mid-30s that I hated being an IT administrator. I got my MBA with a concentration in personal finance and am steering my career in that direction.