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Cynthia Ramnarace

Need vs. Want: the Internal, Eternal Debate

“I really want it!” my daughter Mira says of a new toy she’s been eyeing, her 8-year-old eyes in puppy-dog mode, each vowel elongated for emphasis. Then comes the sales pitch, creepily echoing Furby’s marketing material. “When you talk, it...

How Refinancing Before Sandy Helped Us After

It was the rarest of July afternoons: The kids were at playdates, and I didn’t have to work. I had two choices. I could relish a rare day alone at the beach. Or I could sit at my desk and finish what I had spent months procrastinating about:...

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