Work + Money

Reaching out to women voters in the wake of the "Binders full of Women" controversy, the Romney campaign held a last-minute teleconference town hall Wednesday night, during which Ann Romney and her son, Craig, took questions from supporters and talked about their reactions to the second presidential debate.

Related: Ann Romney reaches out to women online

Addressing listeners in both English and Spanish, Craig Romney said that he thought his father did "a really good job" during Tuesday night's debate, but added that "President Obama was a little better prepared this time around."

"I loved the contrast when it came to balancing the budget," he said from Oregon. "The difference is my dad could talk about what he's done, where President Obama could simply attack my dad's plan and couldn't talk about his own record. That's what seems to be his campaign's strategy -- not to talk about his achievements, but to denigrate my father."

Speaking from New York, Ann Romney focused on the positiv

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Adderall isn't just for kids struggling with ADHD anymore. Kids all over the country are quietly being prescribed Ritalin, Adderall and other ADHD medications for a disorder that wouldn't normally be dealt with in a doctor's office at all: underperforming schools.

Doctors are giving their low-income patients these powerful prescription drugs to help them fit in and focus at school, not because they think there's anything wrong with the kids, but because they're powerless to improve the schools these children attend. Struggling students are being handed flimsy ADHD diagnoses and a bottle of pills to make up for the poverty that hobbles their home and school lives.

The New York Times reports on this phenomenon, talking to doctors who practice it and researchers who are thinking about it and families who've done it.

Related: 5 lessons you can learn from a mom on food stamps

Here's how one doctor describes this practice:

"We as a society have been unwilling to invest in very effe

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By Deborah Skolnik

Must-Read Facts

Car and homeowners' are no-brainers, but what about those ads you see for other kinds of policies-the ones that make it seem like you'll be up a creek if you don't buy them? Often, the premiums for these niche plans add up to more than the payout, and the fine print lists so many exclusions that you may not see benefits when you need them. If you're tempted by one of the following policies, here are some things to consider. Photo by Getty Images
Related: Discover 10 things you didn't know you could rent.

Credit Card Insurance

What It Covers

Plans vary, but usually these cover the monthly minimum owed on your balance, so your account doesn't go into collections.

Cost

1% to 2% of your balance (for example, $5 on $500)

Worth It?

Probably not, because the premiums may well add up to more than the minimum you owe (meanwhile, you continue to accrue interest on the rest of your debt). Plus, some policies take a

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The popularity of online payday loan options is great for those looking for an immediate solution to a financial crisis. However, as with most online ventures, there is an element of risk involved if you don't fully research the company you are doing business with as well as the details of your transaction before you hand over your personal information and sign on the dotted line.

Approaching Payday Loans with Caution Most of the payday loan companies you find online are legitimate businesses with a similar sales platform: if you need cash fast, all you have to do is provide proof of employment, access to a valid checking account, and a promise to repay within two weeks and the money is yours. Different companies offer different repayment requirements, so it's important to make sure you know exactly what is required of you before you agree to the transaction.

Most of the time, you should be offered a flat fee for your payday advance loan (typically around $15 per $100 taken out). R

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If everything is energy, including you, then being mindful of the energies you are exposed to and consume can only serve to enhance your experience as an energetic being. When one begins to understand the intricacies of human consciousness, or energy, then it becomes increasingly obvious that living in and consuming large amounts of low consciousness, low energy media is as destructive to our spiritual well being as smoking is to our physical well being. That may seem like a strong claim, but there is substantial information available to back it up.

The field of consciousness research is exploding with information about ascending levels of human consciousness. Writers such as Dr. Bruce Schneider and Dr. David Hawkins have demonstrated that consciousness can be measured, and one can elevate consciousness in order to improve not only the quality of one's own life, but the quality of life on this planet.

The work of Schneider and Hawkins demonstrates that mainstream culture is

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