John Tyler Hammons, Muskogee's most prominent teenager as mayor-elect of the 37,000-person town, spoke briefly to the Class of 2008 at Muskogee High School's Senior Awards Day.
His message was short, but effective. Follow your dreams and don't wait to do it.
Everyone knows by now that just last year, with the Class of 2007, Muskogee's new mayor was sitting right where those seniors were sitting. If anyone was in a position to illustrate the importance of taking the action necessary to achieve one's goals, it's Tyler. He is truly an inspiration in his drive, intellect, and perseverance. Everyone from this year's seniors to senior citizens can learn a thing or two from this outstanding young man. Don't wait - do it.
Unfortunately, the "it" is not quite so clear for all those who were sitting there in their caps and gowns at Senior Awards Day. What that last four years had been about was revealed to many seniors only as they sat there listening to the same few names being called over and over again for the awards.
Some of the outstanding seniors had gotten to their place of achievement solely on their own, and that is so commendable, but it is nearly an anomaly. The majority, including our new mayor, had very supportive parents who were there every step of the way. One thing I observed about these kids is that they actually talk to their parents and vice versa. There is talk around the dinner table, sometimes mundane, sometimes about politics, history, music, or art. Sometimes just talk about KISS, or Earth, Wind, and Fire, Men Without Hats, or The Clash. Chrissie and I have said it many times before - it is proven by study after study - talking to one's children is the most effective way to keep them moving toward success.
We know what makes for good parenting. Tyler's point is just as releveant for effective parenting as it is for those in the Class of 2008 or for anyone wanting to provide leadership in their city, church, school, or family. Why are you waiting - just do it!
Congratulations to Muskogee High School seniors who garnered over $4 million in scholarship money!
Monday, May 19 - Senior Banquet
Wednesday and Thursday, May 21-22 - Graduation Practice
Friday, May 23 - Commencement
Good luck and congratulations to all graduating seniors in our area. Go out and have a great life!
Read along for some praise, advice, commiseration, and recipes for feeding both the stomachs and the minds of those not-quite-fully-developed young adults we call teens.
Saturday, May 17, 2008
Monday, May 12, 2008
Graduation Day
May is here and summer vacation is not far behind. High School Seniors will be graduating at the end of the month. It is an exciting time. Getting your cap and gown. Sending announcements. Senior activities, awards ceremonies, "Senior Check Out", and graduation practice. Signing yearbooks. Exchanging pictures. Finally knowing where you are going to be the next year.
My career as a Senior English teacher enabled me to share in the experience year after year. I sometimes felt like a sociologist, watching the evolution of a species. Early in the fall, the "Senior" title was intoxicating. The new status and power was long anticipated and now relished. Senior Parking lot, the "good lunch", leaving campus for concurrent enrollment or DECA and ruling the Pep Assemblies. Most Seniors were now confidently within their "groups". Those groups were the circles of friends that had been developing and repositioning in the lower grades. There was less "angst" Senior Year.
After Christmas, the atmosphere changed. College applications were due. FAFSA forms indicated eligibility for aid. GPA's became very concrete reminders of effort and opportunities. ACT scores were in for the last time. Those prepared and ready were looking forward. Those that never got it, began looking back. Effort and drive in the final semester? Those that did, were and those that didn't, really weren't. This time of year, it was a difficult job to keep either group engaged in Macbeth or Expository writing or the evaluation of logical arguments.
Spring. Senior Week finally arrived. There was the ginger- haired kid who was absolutely elated because he "passed" high school. There was the Valedictorian, headed East in the fall, who brought a small gift with a personal note that made me cry. A tattooed and pierced tough guy spontaneously picked me up and twirled me around his last day of class. A very young and unmarried Mother asked me to sign her yearbook and to pose for a picture with her, baby and all. A newly enlisted and shorn eighteen year old boy shared dreams of opportunities offered by the military. He would head off to Basic, six days after graduation.
You try as a teacher to instill a love of learning. "It's important" - you repeat again and again. You try as a teacher to expand horizons and widen the often limited vision of teens. How to get them to step out of the now and how to look toward the future. How to give them the tools to set life goals and then, zero in on how to attain them. To realize all things are possible but no things are given. You try as teacher to lead each student to a bright and promising future. The next step? You stand back and cross your fingers.
This time of year I always get nostalgic. I miss the excitement and anticipation I vicariously absorbed through my graduating students. I miss the hub-bub and energy of the last week. I miss the shared plans and destinations. I miss their youthful confidence in the future. I miss their smiles as they bounce, or run, or bop, or glide across the stage. Each gown clad graduate receives their diploma, shakes an outstretched hand and heads down the stairs- to their future-and to the rest of their life.
****Best Wishes Class of 2008****
**May All Your Dreams Come True**
My career as a Senior English teacher enabled me to share in the experience year after year. I sometimes felt like a sociologist, watching the evolution of a species. Early in the fall, the "Senior" title was intoxicating. The new status and power was long anticipated and now relished. Senior Parking lot, the "good lunch", leaving campus for concurrent enrollment or DECA and ruling the Pep Assemblies. Most Seniors were now confidently within their "groups". Those groups were the circles of friends that had been developing and repositioning in the lower grades. There was less "angst" Senior Year.
After Christmas, the atmosphere changed. College applications were due. FAFSA forms indicated eligibility for aid. GPA's became very concrete reminders of effort and opportunities. ACT scores were in for the last time. Those prepared and ready were looking forward. Those that never got it, began looking back. Effort and drive in the final semester? Those that did, were and those that didn't, really weren't. This time of year, it was a difficult job to keep either group engaged in Macbeth or Expository writing or the evaluation of logical arguments.
Spring. Senior Week finally arrived. There was the ginger- haired kid who was absolutely elated because he "passed" high school. There was the Valedictorian, headed East in the fall, who brought a small gift with a personal note that made me cry. A tattooed and pierced tough guy spontaneously picked me up and twirled me around his last day of class. A very young and unmarried Mother asked me to sign her yearbook and to pose for a picture with her, baby and all. A newly enlisted and shorn eighteen year old boy shared dreams of opportunities offered by the military. He would head off to Basic, six days after graduation.
You try as a teacher to instill a love of learning. "It's important" - you repeat again and again. You try as a teacher to expand horizons and widen the often limited vision of teens. How to get them to step out of the now and how to look toward the future. How to give them the tools to set life goals and then, zero in on how to attain them. To realize all things are possible but no things are given. You try as teacher to lead each student to a bright and promising future. The next step? You stand back and cross your fingers.
This time of year I always get nostalgic. I miss the excitement and anticipation I vicariously absorbed through my graduating students. I miss the hub-bub and energy of the last week. I miss the shared plans and destinations. I miss their youthful confidence in the future. I miss their smiles as they bounce, or run, or bop, or glide across the stage. Each gown clad graduate receives their diploma, shakes an outstretched hand and heads down the stairs- to their future-and to the rest of their life.
****Best Wishes Class of 2008****
**May All Your Dreams Come True**
Saturday, May 10, 2008
Another Tribute to Mother
Here is another tribute to mothers for Mother's Day. It's been around the email a few times, but it's worth repeating and is good reading for mothers, fathers, and children of all ages.
BEING A MOTHER...
After 21 years of marriage, my wife wanted me to
take another woman out to dinner and a movie. She
said, 'I love you, but I know this other woman loves
you and would love to spend some time with you.'
The other woman that my wife wanted me to visit
was my MOTHER, who has been a widow for 19 years,
but the demands of my work and my three children had
made it possible to visit her only occasionally.
That night I called to invite her to go out for
dinner and a movie.
'What's wrong, aren't you well,' she asked?
My mother is the type of woman who suspects that a
late night call or a surprise invitation is a sign
of bad news.
'I thought that it would be pleasant to spend some
time with you,' I responded. 'Just the two of us.'
She thought about it for a moment, and then said,
'I would like that very much.'
That Friday after work, as I drove over to pick
her up I was a bit nervous. When I arrived at her
house, I noticed that she, too, seemed to be nervous
about our date. She waited in the door with her coat
on. She had curled her hair and was wearing the
dress that she had worn to celebrate her last
wedding anniversary.
She smiled from a face that was as radiant as an
angel's. 'I told my friends that I was going to go
out with my son, and they were impressed,' she said,
as she got into the car. 'They can't wait to hear
about our meeting.'
We went to a restaurant that, although not
elegant, was very nice and cozy. My mother took my
arm as if she were the First Lady. After we sat
down, I had to read the menu. Her eyes could only
read large print. Half way through the entries, I
lifted my eyes and saw Mom sitting there staring at
me. A nostalgic smile was on her lips. 'It was I
who used to have to read the menu when you were
small,' she said. 'Then it's time that you relax and
let me return the favor,' I responded.
During the dinner, we had an agreeable
conversation- -nothing extraordinary but catching up
on recent events of each other's life. We talked so
much that we missed the movie.
As we arrived at her house later, she said, 'I'll
go out with you again, but only if you let me invite
you.' I agreed.
'How was your dinner date?' asked my wife when I
got home. 'Very nice. Much more so than I could have imagined,' I answered.
A few days later, my mother died of a massive
heart attack. It happened so suddenly that I didn't
have a chance to do anything for her.
Some time later, I received an envelope with a
copy of a restaurant receipt from the same place
mother and I had dined. An attached note said: 'I
paid this bill in advance. I wasn't sure that I
could be there; but nevertheless, I paid for two
plates - one for you and the other for your wife.
You will never know what that night meant for me. I
love you, son.'
At that moment, I understood the importance of
saying in time: 'I LOVE YOU' and to give our loved
ones the time that they deserve. Nothing in life is
more important than your family. Give them the time
they deserve, because these things cannot be put off
till 'some other time.'
eeeeeeeeee
Happy Mother's Day...Everyday!
BEING A MOTHER...
After 21 years of marriage, my wife wanted me to
take another woman out to dinner and a movie. She
said, 'I love you, but I know this other woman loves
you and would love to spend some time with you.'
The other woman that my wife wanted me to visit
was my MOTHER, who has been a widow for 19 years,
but the demands of my work and my three children had
made it possible to visit her only occasionally.
That night I called to invite her to go out for
dinner and a movie.
'What's wrong, aren't you well,' she asked?
My mother is the type of woman who suspects that a
late night call or a surprise invitation is a sign
of bad news.
'I thought that it would be pleasant to spend some
time with you,' I responded. 'Just the two of us.'
She thought about it for a moment, and then said,
'I would like that very much.'
That Friday after work, as I drove over to pick
her up I was a bit nervous. When I arrived at her
house, I noticed that she, too, seemed to be nervous
about our date. She waited in the door with her coat
on. She had curled her hair and was wearing the
dress that she had worn to celebrate her last
wedding anniversary.
She smiled from a face that was as radiant as an
angel's. 'I told my friends that I was going to go
out with my son, and they were impressed,' she said,
as she got into the car. 'They can't wait to hear
about our meeting.'
We went to a restaurant that, although not
elegant, was very nice and cozy. My mother took my
arm as if she were the First Lady. After we sat
down, I had to read the menu. Her eyes could only
read large print. Half way through the entries, I
lifted my eyes and saw Mom sitting there staring at
me. A nostalgic smile was on her lips. 'It was I
who used to have to read the menu when you were
small,' she said. 'Then it's time that you relax and
let me return the favor,' I responded.
During the dinner, we had an agreeable
conversation- -nothing extraordinary but catching up
on recent events of each other's life. We talked so
much that we missed the movie.
As we arrived at her house later, she said, 'I'll
go out with you again, but only if you let me invite
you.' I agreed.
'How was your dinner date?' asked my wife when I
got home. 'Very nice. Much more so than I could have imagined,' I answered.
A few days later, my mother died of a massive
heart attack. It happened so suddenly that I didn't
have a chance to do anything for her.
Some time later, I received an envelope with a
copy of a restaurant receipt from the same place
mother and I had dined. An attached note said: 'I
paid this bill in advance. I wasn't sure that I
could be there; but nevertheless, I paid for two
plates - one for you and the other for your wife.
You will never know what that night meant for me. I
love you, son.'
At that moment, I understood the importance of
saying in time: 'I LOVE YOU' and to give our loved
ones the time that they deserve. Nothing in life is
more important than your family. Give them the time
they deserve, because these things cannot be put off
till 'some other time.'
eeeeeeeeee
Happy Mother's Day...Everyday!
Tuesday, May 6, 2008
A Lesson in Love
The young mother set her foot on the path of life. "Is this the long way?" she asked. And God answered her "Yes, this way is hard, and you will be old before you reach the end of it. But the end will be better than the beginning." But the young mother was happy, and she would not believe that anything could be better than these years. So she played with her children, she fed them and bathed them, taught them how to tie their shoes and ride a bike, and reminded them to feed the dog and do their homework and brush their teeth. The sun shone on them and the young Mother cried, "Nothing will ever be lovelier than this."
Then the nights came, and the storms and the path was sometimes dark, and the children shook with fear and cold, and the mother drew them close and covered them with her arms and the children said, "Mother, we are not afraid, for you are near, and no harm can come." And the morning came, and there was a hill ahead, and the children climbed and grew weary, and the mother was weary. But at all times she said to the children, "a little patience and we are there." So the children climbed and as they climbed they learned to weather the storms. And with this, she gave them strength to face the world.
Year after year she showed them compassion, understanding, and hopes, but most of all...unconditional love. And when they reached the top they said, "Mother, we would not have done it without you." The days went on, and the weeks and the months and the years, and the mother grew old. But her children were tall and strong, and walked with courage. And the mother, when she lay down at night, looked up at the stars and said, "This is a better day than the last, for my children have learned so much and are now passing these traits on to their children. My work is done."
A Mother is more than a memory. She is a living presence. Your Mother is always with you. She's the whisper of the leaves as you walk down the street, she's the smell of certain foods you remember, flowers you pick and perfume that she wore, she's the cool hand on your brow when you're not feeling well, she's your breath in the air on a cold winters day. She is the sound of the rain that lulls you to sleep, the colors of a rainbow, she is your birthday morning.
Your Mother lives inside your laughter and she's crystallized in every tear drop. A mother experiences every emotion...happiness, sadness, fear, jealousy, love, hate, anger, excitement, joy, sorrow - all the while hoping and praying you will only know the good feelings in life. She's the place you came from, your first home, and she's the map you follow with every step you take.
author unknown
Then the nights came, and the storms and the path was sometimes dark, and the children shook with fear and cold, and the mother drew them close and covered them with her arms and the children said, "Mother, we are not afraid, for you are near, and no harm can come." And the morning came, and there was a hill ahead, and the children climbed and grew weary, and the mother was weary. But at all times she said to the children, "a little patience and we are there." So the children climbed and as they climbed they learned to weather the storms. And with this, she gave them strength to face the world.
Year after year she showed them compassion, understanding, and hopes, but most of all...unconditional love. And when they reached the top they said, "Mother, we would not have done it without you." The days went on, and the weeks and the months and the years, and the mother grew old. But her children were tall and strong, and walked with courage. And the mother, when she lay down at night, looked up at the stars and said, "This is a better day than the last, for my children have learned so much and are now passing these traits on to their children. My work is done."
A Mother is more than a memory. She is a living presence. Your Mother is always with you. She's the whisper of the leaves as you walk down the street, she's the smell of certain foods you remember, flowers you pick and perfume that she wore, she's the cool hand on your brow when you're not feeling well, she's your breath in the air on a cold winters day. She is the sound of the rain that lulls you to sleep, the colors of a rainbow, she is your birthday morning.
Your Mother lives inside your laughter and she's crystallized in every tear drop. A mother experiences every emotion...happiness, sadness, fear, jealousy, love, hate, anger, excitement, joy, sorrow - all the while hoping and praying you will only know the good feelings in life. She's the place you came from, your first home, and she's the map you follow with every step you take.
author unknown
Happy Mothers Day
Friday, May 2, 2008
Paying for Student Achievement
End-of-Instruction exams (EOI) may be over, but a new round of testing is just beginning. Starting this coming week (May 5 - 16), students across the U.S. will sit for Advanced Placement Exams with the hopes of earning college credit and, in at least one place, some cold hard cash.
Wilby High School in Waterbury, Conn. has decided to offer money as a reward incentive to boost its AP program. Students who pass AP Exams will earn $100 for every test on which they make a 3, 4, or 5 (5 being the highest score). The fund for the cash incentives is supplied by a $451,113 grant from the National Math and Science Initiative.
The plan is to boost enrollment and participation in the Advanced Placement Program, an advanced studies program sponsored by the College Board (which also runs the SAT testing program) that can net students college credit. This Wilbury plan gets double rewards for students - not only can they get college credit for their passing score, they can also earn money. It's a win-win situation. Right now 112 students participate in the AP program. By paying students to participate, the school hopes to double the number of students in the program.
Sounds great, but I for one hope paying students for achievement doesn't catch on nation-wide. There are a couple of danger signs for our country evident in such attempts. First, usually the smartest and most motivated kids are directed toward AP - if we have to pay them to participate in an advanced program, we're down the tubes anyway.
The most important reason we should not pay students for their achievements, however, is that there is not enough money in the world to pay people, even youngsters who might need added incentive, for doing what is right. Paying students is a really bad precedent that can only undermine further the noble cause it is trying to promote, namely getting more students involved in their own education.
To me, a more rational way of "paying" students to participate in the AP testing program is the approach Muskogee High School has taken this year. The District has paid the exam fees, rather costly at approximately $80 each, for every AP course in which a student is enrolled. This gives students the opportunity to earn free college credit in a variety of subjects from AP English Literature to AP Chemistry. In a way, the student is being paid by being given the opportunity to take what could be $400 worth of AP Exams for free. Additionally, the student is excused from taking those courses in college, another savings of around $300+ per class.
We should ask ourselves, if we pay students for AP today, what will we pay them for tomorrow? Don't forget, these are our potential workers. If you own a business, can you forsee how much a plan like this will cost you?
Wilby High School in Waterbury, Conn. has decided to offer money as a reward incentive to boost its AP program. Students who pass AP Exams will earn $100 for every test on which they make a 3, 4, or 5 (5 being the highest score). The fund for the cash incentives is supplied by a $451,113 grant from the National Math and Science Initiative.
The plan is to boost enrollment and participation in the Advanced Placement Program, an advanced studies program sponsored by the College Board (which also runs the SAT testing program) that can net students college credit. This Wilbury plan gets double rewards for students - not only can they get college credit for their passing score, they can also earn money. It's a win-win situation. Right now 112 students participate in the AP program. By paying students to participate, the school hopes to double the number of students in the program.
Sounds great, but I for one hope paying students for achievement doesn't catch on nation-wide. There are a couple of danger signs for our country evident in such attempts. First, usually the smartest and most motivated kids are directed toward AP - if we have to pay them to participate in an advanced program, we're down the tubes anyway.
The most important reason we should not pay students for their achievements, however, is that there is not enough money in the world to pay people, even youngsters who might need added incentive, for doing what is right. Paying students is a really bad precedent that can only undermine further the noble cause it is trying to promote, namely getting more students involved in their own education.
To me, a more rational way of "paying" students to participate in the AP testing program is the approach Muskogee High School has taken this year. The District has paid the exam fees, rather costly at approximately $80 each, for every AP course in which a student is enrolled. This gives students the opportunity to earn free college credit in a variety of subjects from AP English Literature to AP Chemistry. In a way, the student is being paid by being given the opportunity to take what could be $400 worth of AP Exams for free. Additionally, the student is excused from taking those courses in college, another savings of around $300+ per class.
We should ask ourselves, if we pay students for AP today, what will we pay them for tomorrow? Don't forget, these are our potential workers. If you own a business, can you forsee how much a plan like this will cost you?
Monday, April 28, 2008
Hallowed Halls and Ivy Walls
mmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm
Melony's information about paying for college is something to think about. So many American families live pay check to pay check. College five to ten years from now seems an easy financial obligation to put on the back burner. "There is lots of time." "We'll be in better financial shape then." "Precious is a 4th grade genius, I know she'll get a full scholarship when she graduates." "Did you see the way Little Jr. slammed that baseball? Colleges will be lined up for him to play for them."
Unless your statement begins, "Peggy Sue's trust fund......." do not assume money will magically appear when the time comes. It does not. Do not assume the astounding figures you see for four years of college is all it will cost. It isn't. Do not assume grants and scholarships happen just because your child is smart, or talented, or athletically gifted, or a minority, or a girl, or a boy, or handicapped, or whatever else is floating around out there. A friend of mine tells the story of his first day at Trinity University in San Antonio. The Freshman Dean stands before a room full of eager beavers and asks, "How many here were Valedictorian of their Senior class?" Pat proudly holds up his hand.........along with at least 80% of the audience. There are many worthy and outstanding 18 year olds, all vying for a limited number of scholarships and grants. Your child may catch the brass ring, and many do. But many others are welcomed by their university with open arms and a bursar bill.
This subject is near and dear to my heart. My daughter Catherine is graduating from The University of Oklahoma in two weeks. She is the third of our four to walk across the stage at Owens Field and the 4th Wagner is on target for 2010. When Tom graduates, we will have had at least one and sometimes 2 children in Norman for 14 straight years. My husband and I are very familiar with Bursar's bills.
Has it been a struggle? Sure it has. Have the sacrifices been worth it? Unquestionably.
Take it from someone who knows. Start saving now. Find ways to sock money away in a college savings plan as early as possible. Say, on your way home from the hospital after giving birth. Encourage your child to save toward college, not toward a new truck or a cell phone or a sound system or $125.00 tennis shoes. Make education a priority in your home. Make saving for college a focus.
I don't want to dissuade anyone from setting goals to attain scholarships. Academics, activities, leadership, service, all of these increase your child's chances of getting financial assistance. There are also lots of local scholarships that really help that first year. Encourage your senior to write the essays, fill out all the forms and apply for everything. That $250.00 scholarship goes a long way to cover first semester text books or student activity fees.
The college experience is broadening and enriching. Campus life offers new experiences and activities, exposure to new ideas and thought provoking intellectual debate. Lifelong friends are made and goals and aspirations are set. A positive four years opens up the world for a young adult. After graduation, that college degree opens up career choices, the vehicle to realize dreams, and the tools to make dreams come true.
When your children are small, don't make college a "maybe." Make it a "given." Make it the natural and assumed next step after high school. Include your kids in the loop. Let them know the sacrifices made, so higher education will be available when they graduate. Academics, financial planning, discipline and responsibility, long term goal setting, social skills, community involvement- these are all components that will make your home a setting for true "college prep."
Friday, April 25, 2008
The Counter is Ticking
Want to scare yourself to death? Visit Savingforcollege.com and calculate how much money you will need to save to put your child through college from beginning to end, all expenses paid. This sight calculates for you the amount of money you will need to save per month based on your child's current age.
If your child is 13, you have five years to save for college expenses. The "Simplest College Calculator" on the site can adjust for the amount you want to spend. For instance, if you just want to pay for 80 per cent of your child's expenses, expecting your child to work or get a partial scholarship to pay for the rest, you can adjust the calculator down.
If you want to pay for 100% of your child's college expenses, your child is 13, and you haven't saved a penny yet, you would need to start saving around $1,268 per month to afford that kind of an education. It only gets worse the older your child gets, if your child's college savings account is sitting at nil.
The site also has information on 529 College Savings Plans and other savings instruments, but you don't have to buy anything. As the parent of two college-aged children (one in law school) I would advise you to check out this web site today. It will give you an estimate of what you are facing in the way of college costs. You may as well pay yourself, as pay one of the college lending institutions.
Another thing to consider is that loan money is drying up. Restrictions for student achievement to get and maintain student loans are being tightened. If your child cannot maintain a 2.0, loan money probably won't be there anyway.
There are so many things to think about when factoring college costs. Education is the best way to understand the savings process, as well as the borrowing process. The counter is ticking and you want it to tick in your favor, not in interest from college loans.
If your child is 13, you have five years to save for college expenses. The "Simplest College Calculator" on the site can adjust for the amount you want to spend. For instance, if you just want to pay for 80 per cent of your child's expenses, expecting your child to work or get a partial scholarship to pay for the rest, you can adjust the calculator down.
If you want to pay for 100% of your child's college expenses, your child is 13, and you haven't saved a penny yet, you would need to start saving around $1,268 per month to afford that kind of an education. It only gets worse the older your child gets, if your child's college savings account is sitting at nil.
The site also has information on 529 College Savings Plans and other savings instruments, but you don't have to buy anything. As the parent of two college-aged children (one in law school) I would advise you to check out this web site today. It will give you an estimate of what you are facing in the way of college costs. You may as well pay yourself, as pay one of the college lending institutions.
Another thing to consider is that loan money is drying up. Restrictions for student achievement to get and maintain student loans are being tightened. If your child cannot maintain a 2.0, loan money probably won't be there anyway.
There are so many things to think about when factoring college costs. Education is the best way to understand the savings process, as well as the borrowing process. The counter is ticking and you want it to tick in your favor, not in interest from college loans.
Subscribe to:
Posts (Atom)