Is it True? Credit Cards are Bad Math?

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A lot of people like to knock the Dave Ramsey plan, saying Dave Ramsey is bad at math with his debt snowball, which teaches to pay off the smallest debt balance first regardless of interest rates.

Dave Ramsey’s favorite response to this criticism is, “Honey, if we were concerned about the math we wouldn’t have credit cards, to begin with!”  And he is right.

Let’s take a look at the whole credit card racket. According to here are the average interest rates charged:

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5 Tips For A Small Business Website

As an aspiring entrepreneur, there are many things in your head. Probably the most important is: how do I get (and keep) clients? At any given time when communication over the internet in the social field strongly improves (consider social media like Facebook, Twitter) business Internet interaction cannot be left behind: a website is important for any business.

A very important factor is certain: without a website, you will discover that much of that 73% of the Internet (practically) daily use will not get to you as a client. An internet site is a good investment – which comparatively not has to be costly – and quickly pays for itself. Here are 5 tips for setting/getting a website for entrepreneurs.

Select your domain carefully

A brief, powerful and easy to keep in mind domain name is the brand’s “offline” and “online” image. Google will probably recognize your company name quickly. Search engines are internet sites with the exact search phrases in the domain rather allocating a higher placement.

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How do I improve my GPA in college?

First of all, I want to wish all of you, my beloved reader-students, a very happy new year. I hope you’ll have a great year but first, let’s talk a little about how to improve your GPA. Your grade-point-average (GPA) in college is still a very important statistic.

Many employers will look at your GPA before deciding whether or not to hire you, and graduate schools will definitely look at your GPA before deciding whether or not to admit you.

It’s important to have as high of a GPA as you can get by the time you graduate college. Even if you got your high school diploma through one of these online GED programs but you got a good GPA you will be just fine. Take also a look and a listen to the following interesting Broward College with more tips on how to improve your GPA.

If you calculated your GPA and you don’t think you have a good GPA, you should definitely consider trying to raise it, no matter what year you are in your studies. If you’re a freshman, keep in mind that it feels a lot easier to maintain a decent GPA than it does to bring a low one up. If you’re near graduating, every bit can help out, and raising your GPA a tenth of a point could still make a pretty big difference.

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What can parents expect from graduation day?

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Graduating from university is a landmark event for any student. Having invested three or more years into a course, there’s a tremendous sense of achievement for having come out the other side stronger, wiser and qualified.

For the parents of those students, it’s all about an overwhelming pride for what your son or daughter has achieved.

It can be an expensive, occasionally stressful, experience helping your child through the university experience.   However when it comes to seeing them graduate you’ll know that it’s all been worth it.

Most graduations take place at a venue near to the university, such as a theater, hall or cathedral. These establishments help reflect the grandeur of the occasion and provide an opportunity for friends and family of every student to share the moment.

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Quotes from A.S. Neill on his living free Summerhill School

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The book Summerhill School – A New View to Childhood tells the experience and observations of  A.S. Neill running a free school in Suffolk, England for fifty years. The book was originally written in 1960 when Neill was 88-years old. It’s amazing to see the story of a school that was founded in 1921 on revolutionary principles for today.

When Neil died in 1973, his wife Ena took on the school for 12 years. The school is now run by their daughter Zoe. Let’s look at some interesting quotes from the book.

The pupils are free to attend classes whenever they want. The kids can play for days, weeks or years. There’s freedom from any indoctrination, whether religious or moral or political and freedom from molding. And the pupils and staff self-govern the school through weekly meetings.

Neill admits some problems the school had too, bullying being the main one. He tells a few times how he would have liked to not take in problem-children that could disrupt the harmony of the younger simply because he knew that the problem-child would have no other better school (that could do him some good) to go to.

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Smells Like Team Spirit

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Every time you take a swig of your Peruvian pour over to wash down that cheesy egg biscuit breakfast, you are feeding millions of hitchhiking germs living in between your crooked teeth. Those germs eat your leftovers and shit all through your mouth, probably because they hate you.

Their fecal donations become even worse while you’re sleeping. Yet, you use the same toothbrush to clean your teeth week after week after week (give or take a week). But, don’t worry. Everything else you clean yourself with is just as disgusting. If you flush the toilet without closing the lid, your whole bathroom will be covered in a fine mist of whatever you put in there. That’s why my bathroom is covered in grape Kool-Aid.

When you’re working in close quarters, such as in an office, spaceship, or prison cell, you are bound to run into someone who hates deodorant or doesn’t know about toothpaste. Most of the time, these folks mean well and simply do not realize their pungent odor. It’s tough to smell yourself unless you really try hard, in which case what the hell are you doing?

As a manager, you can guarantee that your employees will let you know when someone commits an olfactory violation. It’s important to address the situation with the culprit as asap as possible before the gossipers fire up the blab engine and hurt some stinky schmuck’s feelings.

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What you can learn from online promotion that went wrong in the past

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We’ve been advertising offline for hundreds of years. We’ve been marketing online long enough to learn a thing or two. One of the things we’ve learned is how powerful the two can be when they’re blended, like a fine scotch. But when it goes bad, it tastes awful. The following happened several years ago, but I still get a bad taste in my mouth…

Like PepsiCo’s (PEP, info) effort some years ago. I remember that I was drinking some soda out of a large cup from a fast food place. I noticed a “Peel-Here-to-Win” sticker on the side of the cup. I peeled the sticker to see what I may have won and found the words (words?) “M4PER AYZVF” on the other side. Puzzled, I looked at the front of the cup again. It said, “For details, go to” I thought, “Cool.” Here’s what happened:

1. My browser took me to a page that offered a free Internet answering machine. “Hear who is calling while you’re online! Avoid the cost of an extra phone line. Continue reading

Math Skills and Your Confidence

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I have a client who is 39 weeks pregnant with her first full-term pregnancy.  It is a very exciting time for her and I am honored to be her Doula.  While we have been spending the last several days texting and talking about the progress her body is making, I have also been serving my massage therapy clients in my office.

As you may have read in my last blog post, I really love my job.  I love giving massage and helping women find comfort to cope with stress and the physical pains caused by it.  I also really love working with women as they enter the homestretch of pregnancy in preparation for their baby’s birth.


What I don’t like is math!  I’m in the process of preparing to write a grant to hopefully get some money to expand my business and relieve some of the financial stress on my family (teenagers are so expensive!)  As I began this process through marketing adult students art, I have realized that the business plan I prepared 6 years ago in massage therapy school is no longer adequate. Fortunately, I benefitted so much from the from GED prep that I passed my GED and could go to college to get my massage therapy diploma!

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Should You Still Create Your Brand’s Facebook Presence?

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Whether you are a small startup or a blogger looking to help grow your reader base and increase your traffic, creating a Facebook page is your first step. Or should I say WAS? I don’t think so. Facebook is still the most relevant platform and is still the most affordable option. If you don’t have the budget to hire a social media professional at this stage of the game then that means the responsibilities will fall to you, or someone on your team.

Your Facebook page is still very important. it should reflect your brand’s or your personal style, your personality, and professionalism as is often shown very well by moms on the “Cows In The Barn” website. This post is intended to only cover the very basic steps of starting your Facebook page, there is much more information than I can cover in the space of one blog post that you’ll need to know. I’m not going to cover things like choosing an avatar, or a cover image.  Those are self-explanatory in my opinion.

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Two Google Conversion Tracking Options For Your AdWords Campaign

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We’re trying to track what keywords in our Google AdWords account are converting for us. You have no idea what an important question this is!

I am amazed and annoyed when people bring be their failing AdWords accounts to review and they haven’t even bothered to try and measure the simplest of performance statistics – the number of conversions each of their keywords is achieving.

It’s really simple to do and the information provided can actually save you tons of money and time in wasted effort. The absolute minimum that every AdWords account holder should do is set-up conversion tracking for all their AdWords keywords.

This is how you do it:)

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