What 3 things could I do to make it better?

 

Post more, talk about anything of interest to recent college grads who are interested in Entrepreneurship.    The personal finance stuff is nice, but limited. Honestly, I'm not all that interested in it, mostly because I already do a decent job ;)

I don't know... give away prizes?

even more posts/articles.  not assume everyone is a college student or has necessarily graduated college either.  the white background is hard on the eyes. something softer would be nice (not as bright). otherwise, i like the clean look overall of your site these days.

I think you should post shorter things more frequently, instead of the longer posts less often that you have been doing. 

More writings on financial thoughts in regard to more philosophical decisions.      For example - The post on paying for children's education, the book writing article and the frat-boy money making article are some of my favorites.    Those posts spur me to think how I would approach my children's education, throw cold water on my 'everyone will love *my* t-shirts' idea and reflect my experience with writing a tech book.

Humm .. not sure sure what to tell you

More product review or analysis.

More basic financial information.  More frequent updates would be nice, too.

Honestly, nothing jumps out at me. I really like the entrepreneurship stuff as well as the personal finance stuff, but you do a good job of covering both. I'll let you know if I think of something.

I can't think of anything.

I really enjoy it as it is...thanks!

You have mentioned that you give lectures, I'd be interested in a transcript of that  also sometimes you talk about the 'consulting' work that you do, I'm curous what exactly that means and how you get those jobs  also explaining how you get speaking gigs would be interesting

Blog more  Podcast  Tag your articles by knowledge required to read them (easy, moderate, advanced, etc)    List your current portfolio, its performance, and lessons you've learned from it over time

pass along million dollar ideas to me.

I'd prefer less of the feel-good life advice as of recent.  People reading your blog are savvy enough to know not to overspend, take credit card debt, etc.  I would really like to see your responses to specific ideas people bounce off you.  For instance,  I've always thought about owning a low-maintenance business such as a laundromat.  Is this a stupid idea?  How about renting a condominum?  Just a few examples...

more practical solutions--you focus on big-ticket issues like 401Ks and stocks, but those aren't 'everyday' adjustments.

More personal finance articles for young college students or recent grads.

Update more often... that's about it!

i stopped reading your blog and would read it again if  1. more finance tips  2.fewer personal anecdotes tangentially proving some finance point  3. regular updates (once or twice a week)

#NAME?

More updates.    More examples.  Not so much 'IRAs are good... credit card points are good... etc.'  Give us more specific examples, tell us what you do, what your friends do, lessons learned, things you wish you had done right when you graduated etc.  You don't have to be our financial planner, but giving readers more specific examples to make their own decisions would be appreciated.

More longer articles.  Fewer tiny posts.  Where's the advice for actually choosing stocks and index funds? 

I read through RSS and am very busy. It'd be a great help if the posts were labled in some way so that I could quickly choose the ones to read.    While I'd love to read everything you right. I simply am an over-worked 20-something who's too cheap to buy internet access at home. I do my reading in quick moments between tasks at work. So whatever can be done to mark a post as a 'must know' or 'quick tip' or 'savings' or 'investing' or whatever would be extreemly helpful.

Just keep it up

Takes too long to load initially.

Please make the email list more informative/useful -- rather than just links. I'm trying to cut my 'blog' time & email works well for me.

Post everyday.

Well, your intended audience is not really me, so my suggestions may very well take you off your strengths and purpose (I'll explain further in question 8 next).    Not everyone who reads your blog/newsletters is a 20-something just-starting-out still-near-step-one individual. The single-minded refrains of 'start saving now while you're in your 20's; see how better off you'll be?' doesn't do much for me now -- although I wish I had that done to me 15 years ago and do agree with the importance of stating it over and over. I'm still seeking the 'what are some other strategies now that I'm past certain points'. How does one start from absolute zero when they are almost 40 without a steady income and declared bankruptcy?

1. Be more consistent. I know with your other business ventures you can't write daily, but my favorite blogs at least have regular features.  See some of the Gawker blogs (Deadspin and Lifehacker for example).  They have regular features - some I make sure to read, others I know I'm not interested...but it gives some themes and structure which I like.  2. Link us to information.  I personally use a combination of blogs to find interesting stories, viewpoints, current events and websites that I normally wouldn't stumble upon by myself.  While I enjoy the stories, maybe there are products/websites you could review within the structure of the purpose of your site, for example.  Maybe you have done some of that in the past.  3. Can't think of a third.

More depth, like the real estate series  More on how to get started if you don't have the option of a 401K  More on web-based businesses

1) Post more often.  2) Maybe write replys to peoples' questions in the comments section.  3) Can't think of anything.

Regular posts/newsletters, more entreprenuer material.  otherwise, everything's pretty good.

Sorry, I just started reading the blog, so I don't really have any suggestions yet. But I'd really appreciate if you point us to other like-minded people too. Ian, for example.

There is alot of info about IRA and 401k etc but being Canadian we do not have those same options.    It would be nice to get a Canadian perspective on RRSPs and mutual funds etc.    For example I have a 'US EQUITY INDEX ' mutual fund that still has a MER. I read here about pure index funds that require no one and no cost but have not been able to find anything like that.    That's my only frustration with the site.

Provide advice for different age groups. (Unless I'm the only 'old' person that reads your site.)

Just keep up the good work.

Gosh, I don't know.  Write more often?

1) shorter posts  2) easier search 

Write more personal finance info - stick to the subject!    Don't write about other things - I don't want to read a general purpose blog - I'm here for one thing only!

Not realy sure.

1) more talks on investing  2) i know now what kind of investment account i want to open, but not sure which companies are best...so basically talk about which brokerage companies are good for opening up which accounts (pros and cons) 

More frequent updates  Less 'self-linking' to previous articles  Branching out to other financial commentary/topics besides basic investing (an advanced section if you will)

1. reccomend reading  2. Interactivity  3. ...

Remain consistent with content delivery  Keep long texts broken up with media materials  Don't write so frequently to overwhelm RSS reader

- More shout-outs to my (Gabe Rosen's) personal brilliance.  - More article with a humorous slant.  - More cool graphics demonstrating mindblowing but littl-known discrepancies between conventional wisdom and financial reality.

- Try to find out the barriers that people have to taking risks and how to overcome them.  Maybe a poll of what people worry about the most when it comes to investing and see what steps can be taken to midigate them.  - A photo every once in awhile wouldn

Post on a more regular schedule. I don't care if it's once every other week, or if its every day, but I would like to have some expectation of when to expect new postings.

1. Write about ways to save money.  2. Write about the right way to pick stocks and stock advice more often.  3. Tell funny stories about your college past. 

Your current 'formula' works best for me; so, I'd avoid changing it.

I've only been reading for 1 month, cn't comment yet.

Consider that maybe your audience isn't all in their 20's?  (I'm 50, but still think I'm a 20 year old...) OK -- I owe you 2 more...

Personally I am not into entrepenuer type stuff, so I would say more content about investing, saving, and budgeting would be nice.  I know your working on the budgeting app and i look forward to that.  It will make your blog even better.

When you talk about you did a break even analysis on whether your credit card would pay off with its annual fee, gives some insight on how you set up the process of running that break even anaylsis. I think most people forget about the hidden costs associated with a lot buying. one example is does it pay to rent or buy a house. Well it does not stop with just the mortgage vs rent, you need to factor in utilities, property tax, repair budgets, closing costs, length of time you plan to be in the area, etc.

1. Finish the 2006 Money Makeover.    2. Maybe a series on 'It Gets Easier Later' for those of us who have too many financial responsibilities for the 'It Never Gets Easier Than Now' series.  There must be something that's easier when you're older...    3. I'd really like to see a series on mortgages.  I have one and I don't even understand it.    4. (BONUS) How to teach money skills to children.  I have a two-year old and this will be very important very soon.    5. (BONUS - part 2) Maybe try a podcast?  It was nice to hear you on the Money Blogger podcast.

Not sure, honestly. I just took it at face value and got a lot more than I expected

(1) In addition to introductory articles, how about a few articles explaning some of the minutiae? e.g. all of those options that E-trade has when I want to buy a stock. (2) More articles about analyzing a stock (e.g. where to access good tools for tracking 'the market' versus a given stock). (3) Easier-to-read table of contents for accessing the 'classic' introductory articles on investment.

1) Less personal stuff, more financial tips  2) How-to guides  3) Posts on great deals

1. Make the text black. The light grey text is very hard to read.  2. Make the text a bit larger. I think you're intentionally discriminating against my parents.  3. Um...

1.  more updates  2.  guest bloggers?  3.  longer feature pieces

Nothing!

Get commentary from outsiders - not just your friends, but maybe self-help gurus, financial advisors, etc.

Put out the newsletter more often.  More entrepreneurship focus, not that you're lacking  Involvement posts, getting people to do something, like the kick your butt series

Hmm. Well, it's hard to think up 3 changes for a blog you already like reading, but I would like, in a separate section, guides to certain aspects of finance, with ratings for beginner, intermediate, advanced. For example, when I started my 401K, I couldn't find good, simple advice anywhere on how to choose what funds to invest in, or how to really understand the prospectus on the fund. I'm also interested in learning more about investing in the stock market, but am having trouble finding information for beginners in that area.

*Update more.  *Talk less about your other projects - I don't really care about them.  *Update more.

What about those of us who have debt from college?  Help us figure out how to pay it off!

#NAME?

Be a little more technical.. I'm a finance major... some things are overly simplistic to the point of misinforming readers.    Every few weeks or so, just respond to questions of readers. Have some kind of open forum even... a big chat or something like that.   

Many of the posts are somewhat pointless. Iwillteachyoutoberich is no longer on my list of websites that I visit because real content appears so infrequently.    1. Post more content  2. Post more often  3. Learn more about investing or stop posting so arrogantly    Some things you post about investing seem somewhat naive to me. For instance, you assume that investing in the stock market can be described by historical results. But if you examine the equity premium break down, a significant chunk of the gains of the last century have been due to price appreciation (% change in P/E ratio). We cannot expect returns to match what they've been in the past. The 80s and 90s were exceptional in this regard.

More 'Top Ten' lists. Make sure they are substantive and helpful. A garbage post is still a garbage post, even if it's in the 'Top Ten' format :)

Better organization

Post more often  Recommend books/other sources of info 

not sure

1) Make the home page load faster.  I think that *every* article you've written loads when you visit the main page, and this is awful.  I have an older laptop (500 MHz processor with 256 Mb of RAM running Debian Linux) and loading the main page takes 3-4 minutes and the browser completely hogs my CPU.  PLEASE fix this.    no 2 or 3

1) I like Yahoo Finance columns 'Why the Rich Get Richer' by Robert Kiyosaki, 'Money Matters' by Suze Orman, 'The Future for Investors' by Jeremy Siegel as they have more useful content per article.    2) More depth would be nice.    3) You mentioned that many people don't start a business on their own even if they want to.    How about an article on 'how to start a business'?   

- simple charts to illustrate the key points (i've been re-reading Rich Dad, Poor Dad and love those over-simplified charts)    - make the next steps easier. your postings about the benefits for saving early are no-brainers. but it just doesn't hit hard e

clearer display, hard to read, a little all over the place.    repeat too many topics or articles  more specific steps, i am still overwhlemed by the ideas of somethings

Fix it so that my RSS reader (NetNewsWire Lite) can show your whole post, not just the first few sentences.

Hmm...maybe give more specific recommendations for products or services you use.     Give more detailed step-by-step walkthroughs for money-saving things to do.    Re-do your 2-page summary of personal finance so it is more descriptive and thorough.

The pages are very long, somehow categorize them better.  My computer is very slow so waiting for one page to load and even when scrolling down is aggrivating! 

Can't say

widen the arrange of topics  offer easy links to additional info  cant think of a third

I think you should offer more advice to kids who are still in school. Only during my last year of school did I really begin to understand A, how much debt I was in (nearly $60k), and B, how much that scared the crap out of me. I wondered then if I knew more about money if I would have made different choices about how much I'd borrowed, how much I worked while in school, etc. I went to school outside of the US (in Canada, where it was less than $20k a year for tuition and res until my last year), but my family only helped a bit, and I was on the hook for the rest of my tuition and living expenses. I had very little sense of what a reasonable monthly living allowance was, how much I could make during the summer, what kinds of loans to get, and when to realize that I was in too much debt. I know that you gear your blog more to young professionals -- people who've finished school and are starting to pick up the pieces, financially, but some advice for those who are still in school (undergrad) or are planning to continue (grad) would be great.    I think that's my only major suggestion.

I don't know!!!

1. More frequent posts (I know you are probably a busy guy, though, so your current frequency of posting is ok).    2. Add more discussions of disruptive technologies (for instance, how would advanced AI, desktop nanofactories, a rapid increase in the world's wealth via development efforts in poor nations, and the emergence of a technological singularity affect an individual's financial choices?)    3. More interviews and case studies of successful people (especially young entrepreneurs)

How about an occassionaly video?

Don't assume audience is just young singles.  I'm married professional (engineer) with 4 kids.

hmm...my one suggestion would be to write a little more.  My other suggestion would be to put some advertising up and make a little money off your hard work ;-)

1) Ask yourself if your goal is to make your blog better as in get more readers or make it better as in provide greater quality.  2) RSS forces me away from the actual sites (which I think isn't always good) and so I don't know how yours works this but have a directory to your best posts and have a good search engine for your posts and perhaps extend it beyond a blog by aggregating some of your posts into more definitive guides (Be able to provide massive value to someone who arrives the first time and to someone who arrives by a search engine not wanting a blog).  3) Use your connections - I loved the 'It Never Gets Easier Than Now' meme. Link to others (where there is REAL quality (we trust you to have checked these things out). Having those different people tell about these experiences was very neat.

its still somewhat unclear how to invest not for retirement but for short term. I would like to know how to invest money and collect already in 5 to 10 years. While the other funds just keep growing till retirement...

Nothing major comes to mind.      Just before the Easier Now Than Later series came out, there was a lull in writing, and I was thinking 'man I hope he's not burned out on blogging'.  Now it's clear that you were preparing the series and some other stuff, so that's cool.  But if there were less gaps, that would be nice.      One other thing, not actually something you should do better, just an observation.  I've just been looking back over your archives as I write this.  I just read A Big Fear I Have Of This Site, where you were worried people would read the site, read the WSJ, etc. and know what they should do, but then not actually do it.  I think repetition over time influences people.  As I write in more detail to question 8, you influenced me to keep track of my expenses.  I'd known for a long time that, in order to budget, I need to know how much I spend.  Eventually I did it, but if you hadn't occasionally reminded me I probably wouldn't have done it.  So don't be disheartened: even if only 5% of people who don't keep track of their expenses take the advice each time you say it, the advice has a cumulative effect.

1.  Post more often (I know you are busy, though)  2.  I like the pictures to make people think  3.  Talk about how you can save on different things, such as Satellite over cable might save you $10/month, or having only a cell phone over both a cell and land line can save a lot of money. 

- Make the text black instead of grey  - enlarge the comment font for easier readability  - put another 'see comments'-type button on the bottom of each post, since usually I'm interested in reading the comments AFTER I've read the article, and scrolling

Keep the focus on personal finance with random stories only as examples to prove a theoretical point; not because the random stories aren't interesting, but because we're so used to that format (Theory, example) that it's easy to follow.

have a search

1. Shorten the homepage  2. Shorten the homepage  3. Shorten the homepage    Show maybe a week's worth of entries, and just archive the rest.

perhaps the occasional change of focus from recent grads that earn $50k plus a year to those that might not have hit it that big. Also, it would be interesting to see a bit more articles on interpreting the market. (There's a bunch of stuff out there, that I'm sure you've posted a while back, but, I sure can't remember it)... like which means more, the P/E, dividends, you know? what kinda stuff, numbers should be researched.

More info for people that have started already, but want to take it to the next level.

more concrete examples of what other people do rather than just your own experiences?

Perhaps more frequent original content, not as long sometimes

1. Meta-tagging   2. Links to other sites  3. Guest columnists

be more helpful via email

I honestly can't think of anything!

Post more inside info about why finances work the way they do.  For example, it is intersting when you first find out why car dealers only like to talk in terms of monthly payment.

1. Deliver gold bars via rss to readers  2. audio mp3/aac of presentations you've done / speaches

More reviews of blogs, books, banks, credit cards, magazines, etc.  Use your experience and knowledge to filter through them and give us the good stuff.

I don't read often enough to be critical.

I wish you wouldn't write for only the young college crowd.  I want to read that it's never too late for a geezer like me to make a positive change in my financial future, and have applicable advice/instances.  Of course, I realize you're geared to a younger crowd because an uncarved block is much easier to make an impression on rather than one worn over the years.

uhm

Less usa-only. Try to include Europe and other parts of the world. I understand that this may not be posible.

Add some information specifically for those of us who have not yet graduated.  How should we use our money when we have irregular cash flow?  Working primarily during the summer leads to very unpredicatble income, if any, and in the face of definate expenses like school loans and food, it can be difficult to make well informed decisions.

keep posting dude

You don't really give very much specific advice - just general advice.    Some of your posts are wholly irrelevant.    When you are referencing a recent post on another blog, wait at least five hours. I invariably read that blog, too, and you tend to reference posts before they even pop up on my feed.

Maybe more theme months/weeks/other periods of time?  Also, at some point, you will need to move off of the 'here is how you get started' advice and focus some more on what is going on once you actually have been saving for a while.  maybe some articles on saving for particular goals (house, new vehicle, month-long world cruise, etc.) that might be too short-term for buy and hold stocks.

1. Some more lessons/examples of things that will make someone rich.  2. More of what you are doing with the interviews from people is pretty cool and learning from different people.  3. Probaly a question of the week that is generated by people's comments.

Something about the colors makes it less enjoyable to read. Maybe have some darker colors or more contrast. Reading gray on a white background with beige topic backgrounds makes it too 'off-white'.

1. Write more often (seriously, you are awesome and I love the content).    2. Do a series on how to afford housing in an expensive market-when to rent vs. buy, what features I should be looking for in a place to live (as a young, unattached person), how to buy and/or rent in an expensive market (you live in CA, I live in NJ-metro NYC area-both extremely high cost of living areas, but moving to a lower cost place is not an option)-would love to know your perspective on housing in that type of market, especially for young people. Those formulas that are on most websites do not work for where I live-if I follow those guidelines, I will never be able to move out of my parent's house.    3. More on investing (like, what do you look for in a fund, what kind of investing plans are out there for those of us who aren't making the big bucks yet but still want to make their money grow)

Try not to be so preachy.  It's not terrible, but sometimes it comes across that way.   

More examples, international tips.

1. Minimize the name-dropping of Stanford. For certain, it's a good school, but it makes all the talk of frugality sound manufactured out of arrogance.    2. You are one of the few percentage of people who make their 'living' from consulting, or counseling others about business. Although this is a noble affair, it strikes me as capitalizing on inefficiencies in the system and your ability to see them and less on actual risk-taking entrepreneurial ventures. I'd be interested to see your business-take on new market developments/technologies. Web 2.0? Alternative energies? Where do you think these are headed and why?    3. I'd like to see you talk about what career fields you see as offering a high return for time/money invested. If the sure-fire way to be rich is to live below your means, than making a lot of money and living VERY below your means would be even better. How would you recommend finding the best money-making career in a field of your choice?

1)  Post more often

1- Keep up with the updates,  I was really interested in the Real Estate subject, so keep  it up. Hopefully you will add some more soon.    2- Keep bringing guests.  When it comes to planning it would be helpful to read about how others made it.  I don't know anyone that can tell me their stories ( success or failure )  Had they got the projected savings they were seeking to begin with when they followed the various practices to financial planning.  If they are 69 today did they get all they had hoped for?    3- Talk about Life Insurance.  There are a lot of companies trying to sell to young people stating that they buy now since they are young it will be cheap, term, whole or VUL policies.

Update more often ;-0 That's all, everything else is great.

More advice for people who've mastered the basics (i.e., already save).    Q&A (i tend to learn a lot from features like this in newspapers and other blogs; even if the question doesn't really apply to me, the principles are often instructive).

#NAME?

Finish the makeover.    Quite curious what program you're developing that you hinted at in your last newsletter. 

For me, less of the personal stuff... although, now that I look at your list of posts, it doesn't seem like you've written that much personal stuff.... hmm... I'll think about it. I know there's something which bugs me from time to time, but I can't remember what.  If I do, I'll write you.

Tell me what the hell options are, how they work ect ect

More posts

Don't have any ideas.  I'm one of your older readers, I'm sure, and I like it.  Posts are frequent, short, and helpful. 

Finish personal finance makeover

dunno

A planner; I want to be rich, give me a todo list that I can check off each item as I go, with linked articles...

I like what you are doing.

I'm also a technical writer (I write software user manuals) and the number one thing you need to do is to get that home page organized under logical, sequential headings. If you're going to teach someone how to do something--especially if you identify a very specific learning objective, the way you have--you need to make sure they start with Step One, then lead them step-by-step through Step Two, Step Three etc. On your home page, it's near-impossible even to find step one! Once you've identified the step-by-step process that will help you deliver on the promise of your site name, you can separate additional, supplemental information and organize it under separate headings.

- more comparison of banks, credit cards, types of accounts, etc.  (above and beyond what one finds at bankrate.com of course...analysis, just not numbers)    - less filler, philosophical stuff which has been showing up the last few days...it makes a good

Organize the site a little more; possibly provide more categories, a clearer layout for people to follow where to start, what the site is all about, etc. Also, maybe you could advertise it a little more with other finance blogs or news sites.

1. Post more often  2. Post information related to various stages of life.  Most of the information seems to be more geared toward singles and young people.    3. Post more often

1) Write more often! There has been a lot of empty space lately.  2) Give more specifics on certain tasks, or give us tasks to complete, like a IWTYTBR 'challenge.'  3) ... can't think of a third thing.

1)  Generate more community around the site itself; i.e. we know what your thoughts are on a topic, but about the general populace that reads the site?  Could we take some general thoughts from the comments and turn that into something?    2)  Create some action plans that the readership might want to follow on (leverage the readership)-- let's get a group together and design a site, build a portfolio, etc. (definitely some large-scale management issues, but maybe it could be done?)    3)  Please make the site feed a full-text feed =)  PRETTY PLEASE??? :)

- More frequent updates  - Maybe a scheduled updated (i.e. every Wednesday write something about lifestyles and saving money; Monday could be about some kind of investing such as stocks, mutual funds, etc;  Maybe Friday could be more diverse stuff like th

more on stockpicking, etc. I've been thinking about investing in stocks, and I've read several online sites, as well as a book or two, but in many ways I'm still in the dark about where to start, where to find the information I need, etc.

more book reviews 

1) More regular updating.  2) More outside references academic/formal consideration of the topics.  3) Some more discussion of how a person can gague their own utility/happiness/cost/value system.

Return to writing good articles.

Post more often than just quarterly. 

Write about more financial devices.

x

More advice on good credit cards to use for rewards, and specific things you have found that are good deals (like financial fun facts).  Money market accounts, etc.

It's very US-centric, though I understand why. Maybe mention that the concepts you write about are broadly applicable everywhere.

1. No suggestions right now...

1. more images, and charts, i like graphics. the images you do have are funny. more please.    2. maybe citing specific cases?    

1) Tags on posts, so that readers can easily view all posts related to, oh say, credit cards, savings accounts, or what not.  2) I know your site is more oriented for college students and college graduates, but maybe you could include some information or tips outside of that group, such as advice orientered towards highschool students (like me....).  3) More ads!!! I already saw your post about not being too into affiliate programs... I don't know.

1.  Take a position of discouraging all debt.  2.  Do not discuss how to get rewards from credit cards.  No millionaire ever got his money from credit card rewards.  3.  Take a strong position against leasing cars.    Generally just become a more hip, urban version of Dave Ramsey ;-) 

More regular posts. Maybe get a second contributor or something like that, grow a bit. More links to similar sites and articles elsewhere perhaps.

You should add a booklist.  I like your articles on career development.  Please do more.  Specially ones on consultanting and how to land consulting jobs. 

1)more frequent updates

I've just been waiting for the newsletter.  This is the first timw I received one.

I don't know. Sorry. If anything, I'd say keep some randomness. When bloggers get a routine, and (some) develop agendas, the blog becomes boring. You're fine thus far.

Higher frequency of entires, if possible.

Update more regularly.

I'd brainstorm about 10-15 topics, split each topic up into 3-4 sections, and post something you write for each section on a regularly scheduled update rate (e.g. 1 article section per [week/2 weeks] so you get one topic in a [month/2 months]).  The regularity of these posts will draw people to you if they know that every Monday, there will definitely be a new post, etc.  You don't have to cover a topic in entirety in a given week, just work your way through it and your readership will grow.

er...not sure, just keep the way it is and dont loose anything by changing to worst.

It would be helpful (if you haven't already in the past) to go over or point to a good resource on the  different types of investment plans - IRA, 401K, stocks, bonds, equities, wtf... it's all a headache to sort through, but better headache in understanding now than headache in damage control in the future.

Perhaps an easier way for a new visitor to browse the site?  There is just so much information. 

1) Post more  2) Follow through on posted plans for theme posting  3) More things i hate postings.    Quit your job and give me entertainment and education for Free, Ramit!

I am not really sure.  I mean, it is your sight to take where you want.  Most of your articles are geared towards a currently in college or just out of college crowd and who haven't found a career yet. I'd prefer more of a focus on people who have been out of college and are focusing on raising a family, keeping up a household and saving for retirement at the same time.  However, that may not be where you can go, for lack of experience, or want to go.  Just keep up the good work and it will all be ok.