Here you will see students as young as 4 and 5 years old doing algebra and "advanced" math, without ever knowing it's supposed to be hard.
You are invited to learn how to use this method...



Saturday, July 25, 2015

Dirty Base Ten Blocks?



Dirty blocks? Use a washing machine and a garment bag made for delicates and a lot of oxy clean and then just stick them in the wash with a washcloth...these were really bad now they look almost brand new...


People also use a dish washer but make sure you put them in the top rack and DO NOT use heat to dry them...

Friday, July 24, 2015

X-Mas In July

Weeeeeeee....I'm doing it again.

$175.00 ONE PAY:

Sale is over.

OR

Subscribe for 10 months and the rest of your life is FREE.


Sale is over.

May need to allow a few hours for delivery...if it's 3am HST I'm sleeping. There is no auto-responder and the pop up feature doesn't seem to work so I will send the links to the password pages to your paypal email address or the alternate address if you fill it out..

I assure you you will more value out of these passwords than a couple of levels of books...


Here a few of the pages that make the password worth your money:

Parent Teacher Training alone is worth the money.

Sarah's Page.

"Advanced Algebra."

Trigonometry. This page alone is worth the price...you get to see a lesson that earned a student a perfect score on his trig test and a whole lot more.



Percentages.
You will be hard pressed to find percentages presented this way with base ten blocks anywhere on the entire internet.

Sample Lessons.

There are more pages than this including Pages of PDF's and more...

In fact even if you don't get a password you could go to these pages and learn a thing or two for FREE. But get a password, prices will continue to go up...sale price used to 100, then 150 now it's 175, next it will be 200...and I am told by many from homeschoolers to marketing gurus that the regular price or $250.00 is severely undervalued...early adopters are rewarded...

Test your sitewide password HERE.

Wednesday, June 24, 2015

X-Mas In June


X-MAS IN JUNE.

You need a password to get these prices if you want a lifetime pass use the paypal button below. You can get a lifetime for 150 or 10 payments of 20 bucks...which is still less than $250.00 which is still a a heck of deal. Many people were confused because they thought $150.00 meant you got one or the other...a life time training OR a sitewide... which would be $300.00. You get BOTH for that price of $150.00...normally it's $250.00  You will need the sitewide password to get these prices. If you have a password click




and place your order...if you live outside the 48 states Mortco will send you another invoice to bill you for shipping.  If you don't have a password get one below or if you don't want to get a life time pass due to financial constraints you can get a sitewide for 6 bucks a month for 10 months...or both for $8.50...but it's only good for a year.
 
SALE IS OVER


This button has the lifetime pass for 10 x 20 bucks a month. Last option on the drop down menu. If you want to get a Lifetime plus a Combokit or Deluxe Curriculum Starter Kit  scroll down and use the other button. If you want to shop for more stuff than that click the "enter here" links.
 
SALE IS OVER




SALE IS OVER

If you don't see what you want or the combination of things you want email me and I will either invoice you or create a button you can click...

Again: THESE ARE REAL SALE PRICES. Prices include shipping to the lower 48. Alaska, Hawaii and everywhere else will get an invoice. Checks are welcome. "Rainchecks" will be given if you contact me ON OR BEFORE the sale.  In fact I have taken a couple of PRE-SALE orders for people who can't make the sale already...contact me.

BOOKS:


Books will not be uniform. They will be mixed style/format. I was not aware they were that mixed up 'till some one sent me an email...apparently transition is taking place. I have nothing to do with this.

ANSWER KEYS SET OF 3 Reg $150.00 SALE $65.00!!
I don't see why you even need answer keys but some people insist.

SF, LVL 1 & 2 SETS Reg $100.00 - $157.50 SALE $75.00!!

LVL 3 Set Reg $157.50 SALE $50.00!!!!

That means you can get Smiley Face thru level 3 for $275.00 (which is still nuts) a lifetime pass makes more sense but there you go: a REAL SALE...save over 300 bucks!!...you're welcome. They figured how much damage could I do with a one day sale where you need to buy a password to get in....we'll see. Normally just lvl 2 and 3 ALONE are $315.00...

Series A Manuals Reg. $32.50 SALE $27.50. These are my favorite books of all. Except for the Subtraction Manual...but other than that...

Remember 6 to 8 weeks for delivery.
math not meth

KITS:


COMBO KIT SINGLE Reg $88.75 SALE $70.00

COMBO KIT CASE (4) Reg $315.00 SALE $250.00!!!!
That's a hell of a deal...conspire among yourselves and order a case...although it's only worth it if you live driving distance from each other...tack on shipping and may as well just buy one at 70.00.

DELUXE CURRICULUM STARTER KIT Reg $525.00 SALE $475.00!!! That's a real 50 dollah bill y'all...and it's BY FAR the best deal on materials. 

FRACTIONS KIT SINGLE Reg $115 SALE $100.00

FRACTIONS KIT CASE (6) Reg $630.00 SALE $510.00 ($85.00ea) That's another hell of a deal...conspire among yourselves and order a case. You can order additional kits for $85.00 up to 10 at that price.

MULTIPLE TENS KIT Reg $40.00 SALE $25.00

math is hardCOMBO KIT COMBO Reg 128.75 SALE $95.00!!!!

Very Basic Operations KIT CONTENTS:
1. 10 thousand bars (green)
2. 10 long hundred strips (red)
3. In a little baggie
10 square hundreds (red)
20 ten bars (blue)
25 unit bars (green) need to be broke apart

Ten Thousand Square: Reg $40 SALE PRICE 06-25-15: SALE PRICE $30

Very Basic Basic Op Pieces: Reg $65 1 day Christmas in June Sale 06-25-15: SALE PRICE $45

Means you can get Basic Ops Kit for 75 bucks...instead of 105 bucks...

Your welcome.

So...lifetime pass and a combo kit combo $245.00!!!Anybody that tells you that this method is too expensive is basically stupid and can't do math. Further unlike other methods this one is FUN and it actually works for making math understandable.

Remember 6 to 8 weeks for delivery.

SPECIAL PACKAGES

Number ID Kit.
1. Pre-School: Numeral ID Kit, Animals N Stuff Pattern Bk, Plus Two Triangle Kits. Reg $50.00 SALE $30.00


2. K-1: Smiley Face Counting Bks1-10, Algebra L1 Bk 1, Arithmetic L1 Bk 1, Prob Solv L1 Bks 1-3, Plus Two Triangle Kits. Reg $42.50 SALE $25.00
Bks will not be uniform. They will be mixed style/format.

3. Gr 1-2: Addition Subtraction Kit, Smiley Face Addition 1-10, Subtraction 1-10, 2 Triangle Kits. Reg $85.00 SALE $ 65.00

Remember 6 to 8 weeks for delivery.

Again remember: ALL MY books are free with a password..Right now "ALL" means two but by then Delightfully Non-Deleterious Division should be done...or close to it and Games and Activities which is turning into the bear I knew it would be will closer to completion too...there will be 10 Series C manuals before I'm done. Plus I have other books in mind...

Use this button if you just want a password and a kit. If you want to order a combination of things and don't see a button for it email me.


SALE IS OVER







LIFETIME PASSWORDS


A worthy cause.
Lifetime Passes, (both passwords "sitewide" and parent-teacher training) Reg $250.00 (which already a hell of deal) SALE $150.00!!! The entry page to the sales page will offer you the passwords, once you get the password you need (which you will get via email in case the pop up doesn't pop up and from what I hear it often doesn't, you will be able to get to the sales page.)


You don't need to buy a password so you can get a password, you do need to get a password so you can get sale prices on blocks though. Don't worry it's not complicated I will build yet another page that you will go to and ordering will be fast and easy with paypal/credit/debit cards OR you can send in a check.

SALE IS OVER




Sunday, June 21, 2015

Trig With Base Ten Blocks



Base ten blocks are well suited for teaching trig and trig concepts in a very concrete manner.  Starting off simply with Pythagorean Theorem it becomes quite clear that the blocks make things much more tangible than even the simple formula a² + b² = c².

Basically we take a rectangle and cut it diagonally into a triangle and then study that and those relationships.  We have names for those relationships. SOH CAH TOA will help you remember those names but it's important to understand what those relationships actually mean.  As I have said about 1,000 times probably more, if all you know is sin30° = .5 and cos60° = sin30° you are going to have a bad time.

Even the entry page to the Trig page has valuable lessons you can use with your young students on it.  And judging from the instant and huge response there is some demand for a method that makes trig simple and easy. One the trig page you get hours of video including lessons that actual students were given that allowed them to get 100% scores when they were formally getting less than 50% of tests right.

trig with base ten blocks, base 10 block trig,
Base Ten Blocks make Trig assessable.
Once you understand the concepts all they can do is change the numbers. Click this link to go see what I'm talking about. Then get yourself a password. The Trig page is worth the price all by itself, but you get 14 other password protected pages all for just 6 bucks...plus for a two and a half bucks more you get parent teacher training and that is also getting good reviews and blowing people's mind's when it comes to how easy math can be. If you let it.

The lessons on building squares are going to make Pythagoras easy to understand, Pythagoras made Trigonometry easy to understand and you will see the base ten block method makes it all understandable. On the entry page there is now a lesson about the definitions and how to use them for parents and teachers but students could benefit from it too.  There is also some quick info on what to expact on the password protected page and another vid showing simple definitions. Like any language you have to know what the words mean before you can use them properly. When you teach math try to think about it the way you would teaching any other language, lighten up and play math.





Saturday, June 20, 2015

How do trainings work?

One: You need a Gmail address. Install the video chat plug in.

Two: You send me your Gmail address. Add me to a circle if you like.

Three.
I add you to the Friday Training circle.

Four: Watch FB or other forum for time and date usually Friday or Saturday. Use this so you don't screw up the TIME ZOMES BTW noon means PM and 12AM is the middle of the night. You big fat dorks.

Five: Friday. Have computer turned on and the Gmail window/tab open. Chome or Firefox are the best browsers then Safari then Explorer. Shut down all other programs including mail, preview etc. Click on invitation. You may want to practice a little with friends or family so you know how it works BEFORE you come to the training. You will be EXPECTED to PARTICIPATE not just watch. math is not a spectator sport.

Cost is JUST $25.00
...and 3 to 4 hours usually flies by. You will not be bored and you will be shocked at how fast the time goes. Ask anybody who has been. 1 hour is not enough to get anything done. And this is meat and potatoes not fluff and feather so bring a paper and pencil and be ready to be blown away. Get in now because that price is also going to increase as time goes by...but for now it's $25.00.


THAT'S IT.





Algebra With A 6 Year Old Girl.


Playing what's under the cup is a hugely powerful game. In the beginning it teaches simple addition...but as we progress it teaches much more. It is an extremely powerful game although it it deceptively simple. Great for pattern identification and basic algebra concepts that will be important throughout their math careers. The basic concepts are not beyond the grasp of any child so long as you introduce them at the child's level.

Here is a short vid showing the introduction of Hero Zero.


We could have gone either way...to NFGBT1 or to Hero Zero. I usually go to Hero Zero first.

Here is a longer video which is just one of many you will find behind the SAMPLE LESSONS password protected page. You get to watch it here for FREE. If you want to watch a lot more videos like this just get a password. The Trig page alone make the password worth it, and six bucks a month is a no brainer. Be reminded you are watching most of a lesson for which the people in paid $50.00.

This video shows sample lesson with a 6 year old girl doing problem solving it is also on the sample lessons page; problem solving like x + 5 = 13 is EASY.

But also x - 7 = 6 which takes a little more thinking.

And story problems like 20% of my little ponies are blue, I have 70 my little ponies how many are blue?

Introduces 21 is x% of 70 and more...for more on Percentages click on the percentages tab (%) at the house of math or click the link (t)here.


In the picture she shows us a problem she made and we got it right that a 5 was in the cup...my son earned 1 buck. I made 49.00. If you would like me to pimp my son out to you so your kid can play math and stay engaged email me...she usually will play for 20 minutes before she starts asking if we can quit. With my son I had to cut the lesson off after an hour...46 minutes of it is on video unedited..so there are long pauses as they figure out the answers...perfect for your kids to play along in real time...







Saturday, May 30, 2015

X-Mas In June Sale


Arithmophobia
Crewton Ramone's House of Math will be having a Christmas in June one day sales extravaganza on June 25th.

This will be your last chance to get a life time password for the ridiculously low price of $150.00.

Only Lifetime passwords will be on sale...annual and subscriptions will NOT be on sale. However I have gotten Mortco to participate and they have put some items on sale at VERY GOOD PRICES. It has been over a year since anything was on sale at Mortco and it would behoove you to take advantage of these prices because it may be quite a while before you see sale prices again. For months (and months and months and months) after the last sale i got emails and PMs from people asking when the next sale was going to be...lol...because apparently they were under the impression that we have sales all the time and all they had to do was wait around a little bit for the next one...turns out NOT.

Remember 6 to 8 weeks for delivery.

And I told you at that time that $65.00 for a combo kit was a steal and you'd wait till the cows come home before you saw that price again...and the cows weren't coming home. Well...you can get that price (better actually) but only if you buy a case and only if you have a password. In fact the only way to get these sale prices is if you have a password. A password can be had for as little as 6 bucks a month for 10 months which will get you a years worth of access to my site. Just use the buttons you see on the right. (Scroll down a little.)

Remember 6 to 8 weeks for delivery.

WHY am I only offering this to people who already have passwords? Well, if you have a password you are more prone to be a person that actually knows how to us the blocks. Too many people butcher the method and the program because they have blocks and don't know how to use them...then other people get the mistaken impression that this method doesn't work or that it's just like other copy cat methods or they are confused about base ten blocks and their use in general and decide to subject their children to other methods that don't work as well or end up with very similar results to not using base ten blocks at all...

Remember 6 to 8 weeks for delivery.

If you going to get blocks you should have passwords so you know how to use the blocks. I have heard many good things about my teacher training page clearing up many misconceptions and answering a lot of questions parents and teachers have about the method. There is now 10 hours of video training there, plus links to this blog and my website and support material in the form of PDFs and "soon" because of popular demand there will be PDF transcripts of the videos there too.

Remember 6 to 8 weeks for delivery.

My website contains a plethora of FREE information. My password protected pages have even more info and more "advanced" techniques for playing with blocks...like how to factor polynomials that contain negatives, using them for percentages and more. You also get all my books and PDFs available to you for download included in the price. Not only that, you get access to all the updates and additions I make to the password protected pages in the future...and as the years have gone by I have gone from one password page to 14...I will be adding one more page on Calc eventually. I added a page on trig which IMO is worth the price of admission all by itself.

Remember 6 to 8 weeks for delivery. Don't send me an email after two weeks that says, "I know it says 6 to 8 weeks for delivery but..."

TO view all of these "kits" plus more detailed descriptions go here.

For tips on Getting Started and an overview of materials in the Deluxe CSK (which has video and a brief description of everything that's on sale go here. 

Introductory Videos and history here.

Here are the GREAT LOW prices on kits and stuff from Mortco:

X-MAS IN JUNE.


Tell your friends. Mark your calendars. Alert the Canary. Bring the Cat in. Put the dog out. Put an alarm in your phone or tablet...books and kits will indeed be on sale.

Again: THESE ARE REAL SALE PRICES. Prices include shipping to the lower 48. Alaska, Hawaii and everywhere else will get an invoice. Checks are welcome. "Rainchecks" will be given if you contact me ON OR BEFORE the sale.  In fact I have taken a couple of PRE-SALE orders for people who can't make the sale already...contact me.

BOOKS:


Books will not be uniform. They will be mixed style/format. I was not aware they were that mixed up 'till some one sent me an email...apparently transition is taking place. I have nothing to do with this.

ANSWER KEYS SET OF 3 Reg $150.00 SALE $65.00!!
I don't see why you even need answer keys but some people insist.

SF, LVL 1 & 2 SETS Reg $100.00 - $157.50 SALE $75.00!!

LVL 3 Set Reg $157.50 SALE $50.00!!!!

That means you can get Smiley Face thru level 3 for $275.00 (which is still nuts) a lifetime pass makes more sense but there you go: a REAL SALE...save over 300 bucks!!...you're welcome. They figured how much damage could I do with a one day sale where you need to buy a password to get in....we'll see. Normally just lvl 2 and 3 ALONE are $315.00...

Remember 6 to 8 weeks for delivery.
math not meth

KITS:


COMBO KIT SINGLE Reg $88.75 SALE $70.00

COMBO KIT CASE (4) Reg $315.00 SALE $250.00!!!!
That's a hell of a deal...conspire among yourselves and order a case...although it's only worth it if you live driving distance from each other...tack on shipping and may as well just buy one at 70.00.

DELUXE CURRICULUM STARTER KIT Reg $525.00 SALE $475.00!!! That's a real 50 dollah bill y'all...and it's BY FAR the best deal on materials. 

FRACTIONS KIT SINGLE Reg $115 SALE $100.00

FRACTIONS KIT CASE (6) Reg $630.00 SALE $510.00 ($85.00ea) That's another hell of a deal...conspire among yourselves and order a case. You can order additional kits for $85.00 up to 10 at that price.

MULTIPLE TENS KIT Reg $40.00 SALE $25.00

math is hardCOMBO KIT COMBO Reg 128.75 SALE $95.00!!!!

Very Basic Operations KIT CONTENTS:
1. 10 thousand bars (green)
2. 10 long hundred strips (red)
3. In a little baggie
10 square hundreds (red)
20 ten bars (blue)
25 unit bars (green) need to be broke apart

Ten Thousand Square: Reg $40 SALE PRICE 06-25-15: SALE PRICE $30

Very Basic Basic Op Pieces: Reg $65 1 day Christmas in June Sale 06-25-15: SALE PRICE $45

Means you can get Basic Ops Kit for 75 bucks...instead of 105 bucks...

Your welcome.

So...lifetime pass and a combo kit combo $245.00!!!Anybody that tells you that this method is too expensive is basically stupid and can't do math. Further unlike other methods this one is FUN and it actually works for making math understandable.

Remember 6 to 8 weeks for delivery.

SPECIAL PACKAGES

Number ID Kit.
1. Pre-School: Numeral ID Kit, Animals N Stuff Pattern Bk, Plus Two Triangle Kits. Reg $50.00 SALE $30.00


2. K-1: Smiley Face Counting Bks1-10, Algebra L1 Bk 1, Arithmetic L1 Bk 1, Prob Solv L1 Bks 1-3, Plus Two Triangle Kits. Reg $42.50 SALE $25.00
Bks will not be uniform. They will be mixed style/format.

3. Gr 1-2: Addition Subtraction Kit, Smiley Face Addition 1-10, Subtraction 1-10, 2 Triangle Kits. Reg $85.00 SALE $ 65.00

Remember 6 to 8 weeks for delivery.

Again remember: ALL MY books are free with a password..Right now "ALL" means two but by then Delightfully Non-Deleterious Division should be done...or close to it and Games and Activities which is turning into the bear I knew it would be will closer to completion too...there will be 10 Series C manuals before I'm done. Plus I have other books in mind...

LIFETIME PASSWORDS


A worthy cause.
Lifetime Passes, (both passwords "sitewide" and parent-teacher training) Reg $250.00 (which already a hell of deal) SALE $150.00!!! The entry page to the sales page will offer you the passwords, once you get the password you need (which you will get via email in case the pop up doesn't pop up and from what I hear it often doesn't, you will be able to get to the sales page.) You don't need to buy a password so you can get a password, you do need to get a password so you can get sale prices on blocks though. Don't worry it's not complicated I will build yet another page that you will go to and ordering will be fast and easy with paypal/credit/debit cards OR you can send in a check.

People who want to pay by check can get going early since it will take a few days to get here and a few more to your check to clear clear...so if you know what you want and already have a password OR want to get the password and something else and not use paypal or wait till June 25th YES of course you may send a a check now...make checks paybale to Ben H. Rogers not Crewton Ramone,...Crewton Ramone doesn't have a checking account...although one day "soon" CREWTON RAMONE will.




Wednesday, May 27, 2015

Crewton Ramone Teaching Math To Little Girls.




Here is the long version:



Here is the shorter version:



Tuesday, May 12, 2015

Graphing polynomials with a 10 year old.


graphing polynomials, algebra, vertex form

Here is more graphing of a couple polynomials...each time we get a little more "advanced" but as you should clearly see the concepts are exactly the same every time the math just gets a little more complicated as the numbers change.

I did both of these quick and dirty as it were and the second one I forgot to turn the camera on so I just breezed over it after the fact. Upon inspection I find the seriously notation lacking. Also want to drive home the point that you must remember that when you are completing the square in a problem that has more than one x² you have to remember you divided by that number, in this case 2, so we have to remember to add 2x 3.0625...we didn't just add it once...if I had divided by 3 then it would be 3x..etc.

Lets do an easier one just for example. And we'll divide by 3 even to make the point.

3x² +18x + 24 = 0

factoring it should be EASY. Get out your blocks.

Now divide by three so we can complete the square and put it into vertex form...

3x² +18x + 24 / 3 = x² + 6x + 8 = 0 Even though it's already a perfect square we still have to complete the square AND the 9 we added is added THREE TIMES because we are multiplying the part we are completing the square with 3 times...we just divided by 3 to make it easy.

Then 3(x² + 6x + 8 = 0) ⇒ 3(x² + 6x +  __ )  =  -24 (that's 3 x 8 not just one 8) ⇒ 3(x² + 6x +  9) = -24 + 27 (that THREE 9s not just one 9).

Vertex form is now easy:

3(x² + 6x +  9) = -24 + 27 3(x² + 6x +  9) = 3 ⇒ 3(x + 3)²  = 3 ⇒  
3(x + 3)²  - 3 = 0

Check out DESMOS for easy fast graphing of these polynomials...or wolfram alpha.  Here is a graph:

You can see that the y-intercept is WAY up there...but the other points are easy to get once you know what you are doing. So here is a chance for you to sketch a graph of your own label the points and make sure you put in the axis of symmetry too.

The rule or formula -b/2a should be obvious too, and not something we have to memorize.

Anyhow now we are well on our way to being able to graph any polynomial. It's so easy a seven year old can do it with very little help...soon he won't need ANY help at all.



So now you see putting it together yet again. We start off with very basic completing the square. We play with square numbers (you will note I have tons of videos on square numbers as well as radicals) and learn why it's so easy to square numbers that end in 5.  We do all of this via play and fooling with blocks not worksheets and and work books and wrote memorization.  My students have FUN. Yours should too.


They ASK for algebra because it's fun...

Later we can talk about "F of X" [f(x) = y] and so on...for now quick and dirty math with emphasis on the concepts...not rules and process.

I make trig easy too, as well as subtraction, division...all of it. You can get hours more video, more explanation and a pile of PDFs (with more explanation and exercises and methodology) for $8.50, which gives access for a year.  People are shocked and amazed at what they get for free...more so at how much they get for a paltry 8 and a half bucks a month. 

***If you want yet more on this topic here is another blog post on graphing polynomials by now the problems should be EASY...and you can watch it from the perspective of what problems I use to teach which concepts.


Find Crewton Ramone on Facebook.


This might seem advanced for your less than ten year old now, so tell you what,  let's just start with subtraction and go from there.

Sunday, May 10, 2015

ONE DAY Mothers Day Sale.


Happy Mother's Day!


So here are the paypal buttons. Two options. One time pay of $150.00 or 10 time pay of $20.00, one saves you 100 bucks the other saves you 50..."Buy Now" for one time pay "Subscribe" for 10 monthly--use drop down menu...you will note the price used to be 26.00 and I will change it back tomorrow.  24 hour sale is ON.

UPDATE:
Thanks to everybody who got a password or signed up monthly! REmember when the password changes and you don't get an email with the new one just email me for THE REST OF YOUR LIFE when it does change and you'll get the new one post haste...hope your mother's day was happy. Next sale will be June 25th then it will be a while before the next sale....September....and even then the sale prices by then will be higher than they are now; because a lot MORE CONTENT will have been added by then. Right now the trig page is easily worth the money by itself. Same with the Parent Teacher training page...and I'll be asking for comments from people who are using them that say the same so you don't just hear from me...meantime get my FREE Subtraction Manual if you haven't already. 

You were wondering what exactly you got for 150.00?....hint: WAY more than 150 bucks worth of stuff. Don't miss the next one cuz that's the last one for a while.
http://crewtonramoneshouseofmath.blogspot.com/2014/03/crewton-ramones-password-protected-pages.html




Offer void where prohibited. Bamboo steamer and Ginsu steak knives not included with order. People who buy to day will not be entered into a and all expenses paid trip for two to Petaluma. You get nothing but math, math and more math. Hours of video showing you how to do lessons that make math understandable and hours of training that help you understand what you are doing and more importantly WHY. Sale ends Midnight HST. No fooling no whiners. Rain checks will be given on a case by case basis if asked for Before the sale ends. No refunds. Checks are accepted passwords not sent until funds clear. Paypal and credit cards for instant gratification are accepted. If you had a firm grasp of Mathematics it's more than likely you'd be paying with a debit card or a credit card where you carry no balance from month to month....quit feeding the beast and then complaining about the injustices of the banking establishment when YOU are the ones giving them the money in the first damh place. Learn some mathematics this password will go a long way to helping you learn how to teach your children or yourself math so financial freedom is a more likely outcome than debt enslavement.