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Work to build an emergency fund

If you are past due, a letter like this might certainly help. But many need to understand that sometimes late payments are a result of simple laziness and procrastination. In these cases, we too often put things off, and then we expend huge amounts of time and energy in trying to later fix what would not have been

I don't have kids, and I've been out of college for 25 years, so obviously much has changed. I recall that textbooks were chock full of info and detail that in many cases the teacher/professor never touched on—they just provided greater depth (or at least a starting point to further research.) And yes, the

All great points, but in practice, not everyone has the ideal home theater layout.

The Oxford Comma and how it could cost you

Textbook != Homework List

Obviously, we all have to deal with unforeseen expenses, and that's why I agree that proactive money management really is the best path to follow. It's good insurance. I've been laid off twice, and both times, my wife and I had an emergency fund large enough to easily handle all of our expenses until I found another

To take the analogy a step further, once the training wheels are off, remember that you still have to watch where you are going, and you still have to plan how to get there.

As a kid, being able to stay up late past "bed time" on New Years Eve was really something special. Every other night, we HAD to go to bed at "bed time", so being able to stay up for New Years Eve was a treat—something we looked forward to.

New Years Eve comes but once a year, so I think a parent can relinquish a small bit of "alone time" to celebrate this one-a-year tradition with their children.

"...it violates the secular norm that one should not publicly display one's religious preferences for all to see."

My guess is that there is a regional component to this as well. Living in the Deep South in the U.S., I guarantee that if you put some sort of positive Christian religious reference on your resume, you'd be more likely to be added to a "call back" pile than if you didn't.

I really, REALLY wish this was stock behavior on the Web and the Android app as well.

This is certainly welcome on my Moto X.

I hate to sound cynical, but in today's climate, can you really count on this? In the 80's, we were taught the 7/10 rule (invest at 7% for 10 years or at 10% for 7 years to double your investment). Sure, mathematically it works, but today, finding 10% or 7% sustained return is extremely difficult.

I'm allergic to cats, but not dogs. Solves that pretty quickly. :-)

Number one crate training tip: Never, NEVER use the crate as punishment.

Don't get stuck by "analysis paralysis".

I think it depends on habit. I'm old-school, wearing a watch all the time—it only comes off before I go to bed. If/when I get a smartwatch, likely I'll continue that habit. Gor whose who use their phone as a watch, though, I can see what you might take off your smartwatch when you get home in favor of just using your