Brad calls himself a “failed seminarian”. Brad attended Northwestern Seminary but dropped out after one year because he disliked preaching class. He went to the state employment office for help in finding a job. He was told “good luck” when they saw a sociology degree and seminary education on his resume. He took a job...

“The number of new-vehicle buyers who owe more on their trade than it is worth — the classic ‘upside-down’ scenario — has increased substantially over the past years. While only 25% of trades were an upside-down situation in 2001, today 38% of trades are in this category.” [1] Activity Based Costing (ABC) is exposing a...