We are Ray and Kelli, counselors at City. Parkland Students Rally Against Gun Violence. Scholarships: fastweb.com. Waitress wins scholarship for kindness. Generation Z and guns. Dignity. 14 acts of kindness. Best jobs for 2018. Mark Cuban's money tips. Best cell phone plans. 28 things to stop buying. 50 best big companies to work for. 25 highest and lowest paying jobs. 15 odd jobs that pay great. 1st grader asks for food and blanket from Santa.

The veterans page: Veterans Day. A surprised 8-year-old. Honoring heroic dog. Honorably discharged veterans shop tax-free. Forever GI Bill. Father takes care of 4 children. Integrate Marine Training? Robotic legs. Costs of war. Saluting a fallen soldier. 300K Lotto winner. Vets and painkillers. Vet resources. Grandmother of veteran's family deported. Housing the homeless. Veteran finds healing through adopting a cat. Wounded Marines help others.

Empowering students to fulfill their dreams through education.

Saturday, March 24, 2018

Parkland Students Rally to Stop Gun Violence

"No student should ever have to cover themselves with a deceased classmate to survive, but I was that student," -- Parkland shooting survivor Aalayah Eastmond said.

"And we can't only focus on school shootings though. Urban communities and low-income communities have always been hit with gun violence. I lost my uncle due to gun violence in Brooklyn 15 years ago, and nothing has changed. Columbine happened. Nothing changed. Sandy Hook happened. Nothing changed. Parkland happened. Nothing changed. -- Eastmond.

"They (Lawmakers) don't know what it's like to be 20 feet from an AR-15," --Parkland survivor Alfonso Calderon.

"Every single day you wake up and it might be a thought in your head, 'I might die today,'" -- Calderon.

March for Our Lives: Students Hold Events in Washington and Across the Nation appeared on MSN News

Sunday, March 11, 2018


Looking for scholarships? Here's a site that you can load your profile and they will send you scholarships that fit your profile: Fastweb.

Waitress Wins Scholarship for Her Kindness

"Waitress Evoni Williams worked the hectic morning shift at the Waffle House in La Marque, Texas, saving up for college. Amid clanking plates, a sizzling grill and customers on the go, an elderly man timidly asked Williams to cut his ham. She did. Someone snapped a photo that spread across social media. Now Williams has a college scholarship."

Generation Z Mobilizes Around Gun Issue

Generation Z Finds a Purpose: "People are saying that it's not time to talk about gun control, and we can respect that. Here's the time: March 24. In every single city, we are going to be marching together as students begging for our lives. This isn't about the GOP. This isn't about the Democrats. This is about the adults. We feel neglected. At this point, you're either with us or you're against us." -- Cameron Kasky, high school student at Parkland, Florida. 

A Changing of Guard: After Unthinkable Tragedy, Generation Z Emerges Loud and Clear appeared on MSN News

Trump Processes Florida Students' Grief As President, Parent appeared in the Associated Press

We Need Survival Training to Survive Active Shooter Emergencies appeared in the San Diego Union Tribune

Monday, February 12, 2018


You never know where you're going to find inspiration. Reading about LA Laker's Luol Deng taught me a lot about how to handle adversity. The Player They Can't Trade Can Only Pretend to Play appeared in the Charlotte Observer.

Sunday, January 28, 2018

Thursday, January 4, 2018

Mark Cuban's Money Tips

Mark Cuban knows a little bit about money. Here are his three money tips to help you get started on the right track for 2018. This article appeared on MSN Money

Best Cell Phone Plans

Paying too much for cellular? Here's a guide to the best cell phone plans for your needs. The Best Cell Phone Plans appeared on The Wirecutter.

Stop Buying These Things

Do you buy multivitamins, bottled water, medications, or insecticide? Read this article to find out why you're wasting your money.

28 Things You Should Stop Buying in 2018 appeared on MSN Money.

Friday, December 22, 2017

Big Companies to Work For

The 50 Best Big Companies to Work For of 2017, According to Employees appeared in MSN Money. My 16-year-old son and 14-year-old daughter would be interested in number 43 because they play League of Legends.

Highest and Lowest Paying Jobs

Want to make good money? Become a pharmacist, data scientist, or tax manager. The lowest paying jobs are in restaurants. The 25 Highest and Lowest Paying Jobs appeared on MSN Money

Jobs Nobody Thinks Of

Want to make some bucks? How about being a cruise ship performer, an ethical hacker, or embalmer? 15 Odd Jobs That Pay Insanely Well appeared on MSN Money

Sunday, December 17, 2017

1st Grader Asks for Food & Blanket for Christmas

What does a 7-year-old girl want for Christmas? 1st Grader Asks for Food, Blanket in Heartbreaking Letter to Santa appeared on Yahoo! News.

Homeless to Billionaire

John Paul DeJoria was homeless at one point in his life. Now he is heading one of the most successful haircare companies in the world. That in itself is amazing but his values for his company are even more impressive. John Paul DeJoria Went From Homeless to Billionaire by Following Three Simple Rules appeared in MSN News.

Sunday, December 10, 2017

Which Debt to Pay Off 1st

When paying off debt, should you pay off the highest interest debt or the one you owe the least on? According to this video on MSN Money, the math says to pay off the highest interest debt first, but motivation says pay off the smallest debt so you have a sense of accomplishment. 

Sunday, December 3, 2017

Money in the Bank

We have talked a lot about getting out of debt. Now let’s turn our attention to what to do when you’re free from the chains of owing. We are talking about investing your money so that it grows. The safest thing to do with your money is to simply put it in the bank, a savings account that collects interest. On the pro side, money in the bank is protected by the federal government. That means your savings account at the bank is insured up to $250K even if the bank goes under. There’s no risk of losing your money no matter what happens to the economy. And your money is fluid, meaning that it isn’t tied up for long periods of time. You can deposit or take out money without penalties.

Remember we discussed socking away 3-6 months of expenses into an emergency fund? A savings account is a good place to park that money because it’s safe and accessible. A savings account isn’t paying a lot of interest, but that’s okay. You want your emergency fund to be safe, not to make you a ton of money when the stock market goes up.

There are different types of accounts you can open at the bank and most of them are insured by the federal government. Here are some of these accounts and what they do:

·         Savings Account

·         Checking Account

·         Money Market Account

·         Certificate of Deposit

What about savings accounts at online banks? If you go into a brick and mortar bank such as Bank of America or Chase, your savings account would pay you .01 percent interest at the time I’m writing this article. That’s not a lot. If you deposited $1000 (minimum to have in your emergency fund) into your savings account at the beginning of the year, at a .01 percent interest rate, you would have a whopping ten cents of interest at the end of the year!

However, if you put that same $1000 into a savings account at an online bank such as Goldman Sachs (also federally insured and the online bank I use), which pays 1.30 percent interest, you would have $13.08 cents of interest at the end of the year. You would not have a brick and mortar store to walk into but if you are comfortable doing all your banking online, your rate of return is a lot better. How do you make deposits and withdrawals when there’s no building to walk into? I connect my online savings accounts at Goldman Sachs with my brick and mortar checking account at a local credit union and move money back and forth that way. I still have the convenience of going to a physical building and I can move money back and forth online between these accounts. It takes a few business days of processing time between the credit union and the online accounts, but that’s not a problem for me.

Again, we’re not talking about making a killing at the stock market with these savings rates. The goal with an emergency fund savings is to keep the money fluid and accessible and earn a little interest at the same time. We will be discussing other investment vehicles that can bring greater returns in future posts.

Sunday, November 26, 2017


My family saw Wonder this weekend at the theater, and I urge you to see it. As an author, it's the kind of story I wish I had written. When given a choice between being right or being kind, how many of us choose kindness?