HMBS.net (How to Make Bankable Savings) is mostly about personal finance, but also just about anything else I feel compelled to set down in writing. That's the beauty of the internet - anyone can express their thoughts on issues big and small and gain an interested audience when someone, somewhere happens to find your written thoughts through a search engine.

I am not a professional personal finance author or consultant. I'm boomer-aged professional with a full-time job as a financial manager for a mid-sized organization. My hobbies happen to include personal finance and developing websites.

Visitors to this site should understand that the ideas and opinions I express here are mine and may not work for them. You should always consider your personal situation and seek advice from trusted advisers on any significant personal finance issues.

If you have ideas or comments, please feel free to use the comment section of this site. If you would like to contact me via other channels you can use this contact form or this mailing address:

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Muskegon, MI 49443-0243