Got a theme here: be responsible. Make your choices wisely. People have options when it comes to education, and need to look at 'want' versus 'need'. I 'need' a particular type of education to get a particular job. I 'want' to get this education in a fancy name school and spend lots of money on tech toys while doing...more

Let's see...One piece of the housing bubble was that people took on loans that were too much for them to afford, and this article is bemoaning the fact that government loan guarantees have been reduced? These regulations sound as though both lenders and borrowers are being encouraged to be more fiscally responsible.

I added both sons to a credit card for exactly this purpose when they became old enough to drive, and kept this credit card as a 'throwaway' with tight limits in case one or both made mistakes. I didn't want them on the road without funds for an emergency, and they have never let me down. They have always informed me w...more

Does anyone else see the irony? This is supposed to be for women over forty, yet the styles are 'good' because they are 'young and edgy'. To the editors: grow up!

1. Yes, I do feel sorry for her because she never had the advantage of a proper upbringing. It's too bad that we don't have a way to ensure proper parenting. Having said that, I'll go on to say that now that she is an adult, she is responsible for her own behavior. If she doesn't behave properly, then she is responsibl...more