Human Interest

Dear Dave,

We’re working the debt snowball, and together my husband and I make $93,000 a year. The amounts of our remaining three debts are so close we wonder if we should take interest rates into account. Two are student loans for $2,970 and $6,700, while the other is credit card debt in the amount of $4,750. I also got a recent bonus of $3,600. Should we put that toward our debt snowball?

Robin

Dear Robin,

Make the Most of Your Minutes: 15 Quick Tips to Help
Stressed-Out Professionals Better Manage Their Time
Don't be ruled by the clock at work or at home. Time management expert
Jackie Gaines shares tips to help you make the most of your time and
increase your productivity—without losing your mind in the process!

The Skin Cancer Foundation Shares Sun Protection Tips for Young Children

Research Shows Too Many Babies Are Getting Tans and Sunburns

Employer Retirement Education Plays Key Role in Long-Term Financial Success

Ramsey Solutions finds employee access to retirement education

increases savings and confidence

       President Barack Obama and his first attorney general, Eric Holder, called for an honest conversation about race. Holder even called us "a nation of cowards" because we were unwilling to have a "national conversation" about race. The truth of the matter is there's been more than a half-century of conversations about race. We do not need more. Instead, black people need to have frank conversations among ourselves, no matter how uncomfortable and embarrassing the topics may be.

EPA's Emissions Report Trades Science for Politics
By Jeff Stier

The Environmental Protection Agency's latest report on greenhouse gas emissions demonstrates shrewd political strategy -- and a wanton disregard for objective science.

Using a questionable methodology, the EPA found that the nation's methane emissions have been dramatically higher in recent years than previously thought. And for the EPA, this is a story with a villain: In a major departure from earlier studies, this year's report claims the oil and gas industry is the nation's chief methane culprit.

Buckwheat Benefits Nature

Buckwheat is good for more than just pancakes. It is an old-time crop that was once very popular, but it’s benefits are more valuable today than ever. Buckwheat isn’t actually a type of wheat. It’s a plant related to the rhubarb, and it’s easy to grow and helpful in many ways.

Thinking Beyond Stage One

      German Chancellor Angela Merkel declared that multiculturalism has "utterly failed," adding that it was an illusion to think Germans and foreign workers could "live happily side by side." The failure of multiculturalism is also seen in Denmark, Sweden, the United Kingdom, France, Belgium and other European countries. Immigrants coming from Africa and the Middle East refuse to assimilate and instead seek to import the failed cultures they fled.

Dear Dave,

My husband and I make $180,000 a year combined, and we have a net worth of about $1.6 million. We’ve been blessed financially, and lots of times motivated by a survival point of view, but what do you do when you’re not motivated by that kind of thing anymore? How do you find and live out God’s purpose for your life?

Lisa

Dear Lisa,