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Interest rates are at their all time lows, and it’s unfortunate that people can’t take advantage of that. Why? The whole subprime mess caused by banks have drastically reduced home values. Reduced home values have raised the loan-to-value ratio way over 105%. Who gets punished? The good homeowners who are looking to refinance.
Let me back [...]

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Pho is pretty much all about the beef broth. Master the beef broth and you got yourself a smashing dish. To master the broth, you need to give yourself a couple of hours. Slowly simmering the beef bones is key. After that, everything else is pretty easy.

The Broth

6 quarts of water
20 small shallots [...]

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