Childcare costs even higher than college tuition in som states

Something that's beat into the heads of everyone who ever decided to have a kid is that we should have already been saving for college. This list of four mistakes from U.S. News and World Report lists "starting too late to save" as the No. 1 error.

Most of us know this and yet, according to statistics, most of us haven't started saving. Or, in my case, know they're not saving enough. And of course, like all economic matters in this era, we tend to blame the individual for not taking enough personal responsibility. We blame ourselves for not starting early and not investing enough.

This really interesting info-graphic in GOOD magazine compares the cost of two major necessities - daycare and college - and should put to rest any feelings of guilt over your lack of college savings (and fire up your feelings of frustration over how little support U.S. families get with childcare costs).

We all know that infant childcare typically costs the most. In 35 U.S. states and the

By CorpNet's Nellie Akalp for GalTime.com
National Business Women's Day
September 22 is American Business Women's Day - a day founded by the American Business Women's Association (ABWA) to celebrate the contributions that women have made to the economy.

As the (female) CEO of a small company that helps entrepreneurs start a business and get their businesses off the ground, I have the incredible fortune to work with countless budding and talented business owners. Here are my thoughts on this important day…

In 2010, women became the majority of the U.S. workforce for the first time in U.S. history. 57% of college students are now women. While men continue to dominate the executive ranks and corner offices of Fortune 500 companies, women now hold their own in a number of lucrative careers: they make up 54% of accountants, 45% of law associates, and approximately 50% of all banking and insurance jobs.

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But for me, the most telling statistic rests in the state of entrepreneurship. An

How do we call intimate relationships made on board ships? Is it Love, Lust, a Crime of Passion, or Sexual Harassment? Ever wonder why the ship becomes a perfect breeding ground for romantic relationships to blossom? Let us take a sneak peak of the different romantic duos that happens on board ships.
Life on board the ship is just like being in a different world. You see the same faces everyday throughout the months of your contract. They live in a small and confined atmosphere, susceptible to all the threats of nature, sometimes physical but oftentimes emotional. For someone who took a cruise to explore life at sea and to look for her knight in shining armor, she could have found the apple of her eyes, if she allows her heart to rule over her head.
Taking a cruise gives an opportunity to meet people whom they could fall in love with, especially because of the luxurious amenities found on board. The huge dining saloons can be a perfect dance floor during night time, game rooms,

Ann and Mitt Romney campaign in Nashua, N.H., earlier in September.After she's embraced the political spotlight and talked at length about what a warm and loving person her husband really is, Mitt Romney's latest comments from the secretly taped fundraising dinner in Florida seem like a bit of a slap in the face: "We use Ann sparingly right now," he said, "so that people don't get tired of her."

In his defense, Romeny -- who also derided 47 percent of the country for being dependent on the government and told the crowd that "my job is not to worry about those people -- said his remarks were "not elegantly stated" and "off-the-cuff." But in the recording, he sounds like he thinks it's inevitable that voters would get tired of hearing his wife talk.

It doesn't help that she's been tasked with humanizing her husband and reaching out to women voters but forbidden from actually addressing any big issues. In an interview with KWQC news in Iowa on September 7, she answered questions about gay marriage, birth control, and employer-provided health insurance

Before you even had money, your parents determined how you'd handle it with their comments about finances. Decode your "money script" and rewrite it here. By Sandy M. Fernandez, REDBOOK.

What's your I've always remembered the advice my father gave me when I was a bookish middle schooler, considering writing as a career. "Do what you love," he would tell me. "The money will follow." This was remarkably generous: My family had recently arrived from Central America, cash was tight, and my dad was, of all things, an economist. He didn't take money matters lightly, and while his words were meant to be freeing, they came with a tricky subtext: If money simply "followed," then I really didn't need to worry about it. That message became part of my "money script"--a term financial therapists use for phrases that reveal our core beliefs about earning, saving, and spending. "Your money personality can be directly related to the things your parents said," says New York-based psychotherapist Kachina Myers, who

By Nici Perreault, GalTime.com
Retailers are offering big time discounts-- just for students!College students often find themselves limited by budget, even for the essentials such as clothes, food and technology. Working within that budget is not always an easy task and many college students risk spending over their limit. Luckily for students, and yes, parents of students, many major retailers offer college discounts to take make those necessary purchases a little more reasonable.

Some discounts are readily advertised and college students are aware of their opportunity to take advantage of them, while others are not as well-known and may come as a rather pleasant surprise. Retailers offering this discounts range from technology and software companies torestaurants, everything to satisfy a college student's needs. Below are 20 nationwide retailers that offer student discounts that could change your way of shopping!

1. Apple - Apple offers special pricing for accepted college students and their parents. For the 2012 school year you

Product Launch Formula by jeff walker is probably one of the most foundational courses you could ever get. Many of the other products you've heard about were launched using the strategies in PLF.

Jeff Walker entered the online marketing arena in the summer of 1996. At that time he was publishing a newsletter geared towards stock market trading and investing. By the end of that year he had over 1,000 subscribers, and so he decided to create a paid version of the same newsletter. He realized that he would need to offer something exceptional in order to inspire people into paying for the newsletter. He recognized quickly that there would need to be a sequence of communications that would gently lead them away from the idea of getting his newsletter for free to actually wanting to pay him.

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He developed a modest launch that brought in $1,550.00, but that small victory opened him up to realizing that if done right, immense profits could