We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
"The object of the university is to develop character — to make men. It misses its aim if it produced learned pedants, or simple artisans, or cunning sophists, or pretentious practitioners. Its purport is not so much to impart knowledge to the pupils, as whet the appetite, exhibit methods, develop powers, strengthen judgment, and invigorate the intellectual and moral forces. It should prepare for the service of society a class of students who will be wise, thoughtful, progressive guides in whatever department of work or thought they may be engaged."
Johns Hopkins University President Daniel Coit Gilman, in 1876 (h/t, Askblog)
Your credit score is sort of like a grade in practical life-management. The way life is, one never knows when a little or a lot of credit might come in handy.
A few other tips: Not a great idea to entirely pay off a mortgage. Regular mortgage payments are important, even if you maintain a small balance. Also, never entirely pay off a credit card. Keep a balance, however small, or some wierd algo might decide to cancel your card for no good reason (it happens even to prosperous people when an algo gets tired of you and a zero balance is its chance), and that's a ding. Regular, on-time payments are the best thing for your credit. It's because lenders are in the business of lending, and like borrowers. Never, ever, cancel a credit card. So, for your credit score, use all of your credit cards and never pay them off entirely. But, yes, you can get rid of student loans.
Another detail: Too many checks of your credit harms your credit score. However, you can check your own once in a while, for free online.
Your results may vary. We probably have readers with experience with all of this.
People who analyze and write about higher education generally fall into two camps. One camp consists of those who believe that our system is “the envy of the world” and just needs more public support to do its great work of improving our citizens and strengthening our economy. (For a sense of what that camp is about, read professor Steven Brint’s book Two Cheers for Higher Education, which I reviewed here.)
The other camp consists of people who conclude that our higher education system draws in far too many students, poorly educates most of them, and costs too much. Unlike the first, which has, so far as I am aware, no conservatives or libertarians, in this camp you find people from all over the political spectrum. Former Harvard president Derek Bok, a liberal, has written Our Underperforming Colleges. And arguably the best-known among the critics is professor Richard Vedder, a thorough-going free market advocate.
The US TSA offers a few Trusted Traveler programs which reduce some or much of the annoyance of air travel.
The Pre-Check is easy to obtain. The Global Entry is a bit more involved, but worth it for regular travelers. You can do most of the processes at the TSA website, but a brief in-person interview is required for all of these. It's a vetting process.
Somewhat related, many states now offer "Real ID" driving licenses. It's a minor hassle to collect the info your DMV wants for this, but worth doing for some people. You can upgrade your license to REAL ID any time. Next year, REAL ID will be required.
Ideally, make a lot of money and fly private... no fuss.
I never cease to be amazed by the programs that Carnegie Hall offers each season (which runs fall-spring).
If you love adult music, I advise visitors to NYC to check out the program. Or, if you request, they will mail it. The best part is that the tickets are not expensive. It's not like going to the opera.
If I lived closer to NYC, we'd get a 10-night subscription.
Our pal Assistant Village Idiot sounded inverse-snobbery about this fine lunch, but I still love it. I grew up with this thing, yes, at the Club. It was always turkey, not chicken. Always served with a little cup of extra mayo, and with kitchen-made chips and not french fries. My club still makes their own chips - heavenly.
At home, we had five basic sandwiches: Baloney with mustard and lettuce, the excellent BLT, Fluffernutter, BB&J, and Tuna Salad. That was Mom's sandwich repertoire.
It's a tough but interesting career. I've learned all about it from a Chef friend (now an Executive Chef).
First, you attend, if you can, one of the top US (or French) culinary trade schools - Johnson & Wales, The New England Culinary Inst. (in NH), the CIA (Hyde Park, NY), the Cornell Hotel School, or the Culinary Academy of Las Vegas. Cordon Bleu in Paris if you can swing that.
When you graduate, having learned all the culinary basics, plus the economics, costing, buying, staffing, etc. you get to get a job as a lowly line cook. You are not a Chef - you are just a cook and not even an accomplished line cook yet.
Then the apprenticeship begins. A few successful years as a line cook (mastering all stations) and you could become a Sous-Chef. And then a fully-fledged Chef of the kitchen. That's a big deal, because you have to be a master of everything: Pastry, sauces, soups, meats, produce, salads - and presentation skills. You know the Chef from his or her Toque.
Some ambitious Chefs seek to become Executive Chefs. More money. They get to make the menus, manage and hire staff, do the buying, train staff, and run the business profitably. A high-hassle, high-complexity job. So-called "front of the house" and "back of the house."
My Chef friend gets so tired of fancy healthy food that he just likes a Big Mac, fries, and a couple of beers to escape it all.
The Grey Fox is not a rare canid inhabiting much of the US and Central America. People know the Red Fox (imported from Europe for Virginia fox hunters before the Revolution) and the Coyote (which has invaded the Eastern US with the extirpation of the wolf), but few people know or ever see the crepuscular/nocturnal Grey Fox, a native canid.
I suspect that sometimes Grey Fox is mistaken for Coyote.
A cool fact about Grey Fox is their tree-climbing ability.
Our pal Assistant Village Idiot 
It's a tough but interesting career. I've learned all about it from a Chef friend (now an Executive Chef).
The