DEAR MISS MANNERS: We went to breakfast this morning with four people total, and I informed the waitress beforehand that we’d like separate, individual checks. One of the participants piped up when I ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Andy Smith is a Certified Financial Planner (CFP®), licensed realtor and educator with over ...

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Christians begin their day, activities and prayers with the Sign of the Cross. It strengthens us in temptations and difficulties. In the name of the Father, and of the Son, and of the Holy Spirit.