You're a senior. You've got 5-6 worthwhile college acceptances you're considering. College A gave you $35,000 in merit aid. College B gave you $40,000 in merit aid. College C gave you $25,000 in merit aid. Chat, we're going to College B, right? No brainer. But.... the reality is not so clear. You have to look deeper. College A charges $ 67,000 tuition and averages at $13,000 room and board, for a total cost of $80,000. College B charges $ 73,000 tuition and averages $14,500

Have you ever heard the expression "if you're on time, you're late"? The idea is that if you're late, you're late, but if you get somewhere just on time, you're still late -- you're harried, your hair is out of place, and you've probably forgotten something. Well, I don't know if it's how I was raised, or nature, or a combination of the two, but when left to my own devices, I tend to run late. Regular late, not "on time" late. And if so, I arrive flustered. My hat gets left a