Cherise Kelley
Although Cherise has taught high school, middle school and college basic skills courses, she is currently doing her favorite job: high school substitute teacher. She worked her way through college as an insurance policy analyst, secretary, suit salesman, pizza deliverer, waitress and singer/actor. She adjusted injury claims from 1999 through 2007.
Cherise has completed eleven courses in insurance and personal finance through the American Institute for Chartered Property and Casualty Underwriters, and two courses through LOMA, the Life Insurance Office Management Association. She worked for Farmers Insurance from 1997 to 2007, starting as a coder and working up to liability claims adjuster in 1999. Before college, Cherise was a policy analyst at Executive Life Insurance Company for two years. Through this training and experience she writes about car insurance, homeowners insurance, life insurance, insurance claims and other personal finance matters.
Since 2005 Cherise has been in Christian ministry, singing the hymns for the senior citizens at nursing homes or singing in church choirs.
Other topics Cherise writes on through personal experience are: weight loss, diet recipes, abortion remorse, marriage, CityVille, the Twilight universe, acting, and costumes.
Cherise Kelley lives with her husband and two rescued dogs near Spokane, Washington. She is new to the area and loves to explore it through walking, photography and local events.
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Cherise has completed eleven courses in insurance and personal finance through the American Institute for Chartered Property and Casualty Underwriters, and two courses through LOMA, the Life Insurance Office Management Association. She worked for Farmers Insurance from 1997 to 2007, starting as a coder and working up to liability claims adjuster in 1999. Before college, Cherise was a policy analyst at Executive Life Insurance Company for two years. Through this training and experience she writes about car insurance, homeowners insurance, life insurance, insurance claims and other personal finance matters.
Since 2005 Cherise has been in Christian ministry, singing the hymns for the senior citizens at nursing homes or singing in church choirs.
Other topics Cherise writes on through personal experience are: weight loss, diet recipes, abortion remorse, marriage, CityVille, the Twilight universe, acting, and costumes.
Cherise Kelley lives with her husband and two rescued dogs near Spokane, Washington. She is new to the area and loves to explore it through walking, photography and local events.
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BA English, UC BerkeleyInterests
liability, personal finance, Christianity, Spokane, Kristen Stewart, costumes, marriage, weight lossMotto
No excuses!
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Displaying Results 1 - 132 (of 132) for All Content
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My Dogs Are My Workout (Mostly)I lost 90 pounds this last year doing this weekly workout and watching what I ate. My workout is mostly walking my dogs, with a little Total Gym, vacuuming and picking up brass.
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Be Your Own PersonPaying your own bills and your own rent earns you the right to live the way you want. This is what it means to be an adult.
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First Person: I Saved $4,000 Buying Used Clothes for My DietI can afford almost unlimited clothes from thrift stores and garage sales!
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First Person: I Don't Believe That This Is the End of 'Robocalls'New FCC regulations will make businesses get my written permission before making automated "robocalls" to my land line. I just know businesses will hide this consent in the forms they make me fill out.
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First Person: My House Cleaning Exercise Plan Saves Us $150 a MonthI have lost 80 pounds since I lost my job and had to give up my gym membership at the country club. I lost this weight equally through walking, dieting and housework.
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First Person: Cutting Out Paper Products Saves Us at Least $20 a MonthI used to waste so much money buying paper towels, paper napkins, Kleenex and other paper products. Here is how I get by without them today.
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How I Quit SmokingI quit smoking in 1995. The hard part was deciding to quit. I loved the feel of the smoke in my lungs. Once I decided to quit smoking, the trick was to identify myself as a non-smoker.
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Job Recommendation Con Had UsWe let the promise of a job recommendation lull us into being less careful and observant with the movers than was wise.
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Who to Buy Christmas Gifts ForHere is how to know if you buy a Christmas gift for your friends' boyfriends, your boyfriend's daughters, your stepbrother's girlfriend and all the other people close to your loved ones.
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My 78 Corolla Spoiled Me!My best car was my first, a 1978 Toyota Corolla. They don't make them like that anymore.
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Instant Thanksgiving DinnerNo one invited you over for Thanksgiving Dinner this year? Don't fret. Just serve some of these instant items that resemble traditional dishes. Hide the boxes and no one will even know!
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First Person: If I Can't Pay Cash, I Can't Afford ItThis is my new financial mantra. I would still have my house right now if I had used this mantra in 2005.
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Low Fat Diet Chicken SoupI am on a diet to lose weight. I wanted to make something yummy with chicken that didn't have many calories, so I created this soup.
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First Person: I Was a Teenage Money MakerI got my first job when I was 10 and made enough money as a teenager to move out on my own at 18.
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First Person: From Teacher to Claims Adjuster: My Career SwitchTeaching skills transfer well to many corporate jobs. A temporary job agency helped me make my career change.
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Car Insurance Deductible ConsiderationsAn adjuster explains why her own car insurance deductible is only $100.
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Fat Foam: Worst Hair Dye in Ten YearsIn ten years I have never before run out of hot water trying to rinse hair dye out. That is not even the worst of this, my worst hair dye experience in ten years...
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You Can Negotiate Most Insurance ClaimsSurprising expenses can be included in many insurance claims, but your adjuster is not going to offer them.
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Baked Chicken, Onion and CarrotsBaked Chicken, Onion and Carrots is something I made up to eat on my low fat, low carbohydrate diet. It uses no added fat, not oil or anything. It tastes great, too!
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First Person: How I Ensure My Online Banking Is SafeMy return address has been stolen many times off envelopes in the US mail. I eventually decided to find safe ways to pay my bills online, since I couldn't trust the US mail with my personal information, anyway.
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First Person: The Prototype Macintosh Blew Me Away in 1983My mom still uses the Macintosh 512k she bought me in 1989 for more than $2,000. Steve Jobs knew exactly what we computer users wanted, and he pioneered ways to give it to us.
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First Person: Occupy Wall Street: We Have It Better Than 99 Percent of the WorldI read 15 protestors' personal reasons for occupying Wall Street. My reactions are: 1) What a bunch of whining babies and 2) How much is this going to cost me as a taxpayer?
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First Person: My $100 Thrift Store WardrobeI would never buy underwear or swimwear used, but thrift stores often have new and nearly new clothes. Some of my purchases have still had the tags on them.
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Why No Muse 'Breaking Dawn' Soundtrack"Why no Muse?" is the number one fan reaction to the soundtrack play list for "The Twilight Saga: Breaking Dawn - Part 1" movie. I know why Muse isn't on the soundtrack.
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GOP Debate Revealed Experience, Beliefs and IgnoranceThe September 22 GOP debate revealed some notable experience, beliefs and ignorance of Herman Cain, Jon Huntsman and Gary Johnson.
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First Person: How Worker Protection Hurt My WalletOur school board attempted to help workers by guaranteeing us half a day's pay for showing up to work. This has backfired and made me lose out on work opportunities, instead.
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First Person: Are Creditors Loosening Their Standards?Lately, some financial institution is offering me cash-back for using their services every time I turn around. They must have loosened their standards, because my credit recently took a big hit from a short sale.
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Scrambled Eggs with VeggiesMy recipe for low-carbohydrate scrambled eggs made with veggies: fried onion, mushroom and yellow bell pepper
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Joan Jett Spokane Sept 15 2011Joan Jett and the Blackhearts rocked the Spokane County Fair on Thursday September 15, 2011! Security told us we could take pictures, but they understandably forbade video or sound recording. -
First Person: Recycling for Health and ProfitMy husband and I walk a mile every day after dinner. It is great for our health, and we have found a way to get paid for it, too.
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First Person: We're Holding Back on Large PurchasesHere are some large purchases we are putting off out of fear that the recession is not over and might get worse.
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How to Prevent Cold Sores with Sun ScreenI don't remember why I started putting Chapstick on my lips, but around 1980 I realized I didn't get cold sores when I wore it. -
ReDo CityVille Layout: How to OrganizeA reader asked me how to redo her CityVille layout so that it is organized like so many of her neighbors'. Here is what I told her. -
First Person: How I Wasted $3,500 in Vacation MoneyWe were packing up the car to leave on our trip when I realized I had frittered almost all that money away.
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First Person: Why I Might Cash Out My IRA to Buy a HouseI think it might be worth spending all my meager retirement savings to own a house outright and not pay rent or have a mortgage.
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First Person: Why I Have High Hopes for the Google Credit CardSmall-time bloggers like me have a new hope for making money online. The new Google credit card may revive our profitability.
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BBQ Cheeseburgers with Marzetti Simply Dressed BalsamicMarzetti balsamic vinegar salad dressing makes hamburgers moister than when I make them with my usual sauce. -
Diet Ham Salad with Marzetti Simply Dressed Pomegranate DressingMy diet is mostly meat and vegetables. When I stick to it, I lose a pound a day. This was my dinner today. It tasted just like summer! -
Easy Costume: Priest Movie 2011Need a last-minute, easy costume? Male or female, young or old everyone will know you are from the "Priest" movie of 2011! Here is how to put this easy costume together. -
House Mortgage Tax Deductions Misled UsWe believed everyone who told us buying a house would save us a bunch of money through income tax deductions. What an expensive mistake that was!
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Stephenie Meyer Vs Jane AustenMy response to all the haters out there saying Twilight is trash and the classics are better. FYI, I have a BA in English from UC Berkeley. -
CityVille Purple Diamond PayoutsHere is how I just got one of my CityVille businesses to pay me in purple diamonds! Some call them pink diamonds. -
CityVille Carnival Tickets: 'Help Them Out' RequestHere is how you make it so your friends see a "Help them out" request for your carnival tickets so you don't have to send them a carnival ticket as a gift and hope they return the gift. -
Low Carb FajitasFajitas are my favorite Mexican food. I recently went on a low carb diet to lose weight and to keep from getting diabetes 2. Here is how I now make fajitas. Enjoy! -
Computer Insurance: Home BusinessIf your home business computer is stolen or damaged, you may expect your homeowner's insurance to pay for its repair or replacement. You may be in for a bad surprise.
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Insurance Reasons to IncorporateShould you incorporate your home based business for insurance reasons? Read what this insurance adjuster has to say.
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First Person: How $675 Furnished Our HouseHere is how I furnished our house cheaply but nicely.
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First Person: Our $190,000 Short Sale Success StoryI had excellent Realtors who successfully unloaded our house through a bank-approved short sale. Here is how we did this together.
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CityVille Send Button MissingWhen re-gifting in Zynga's Facebook game CityVille, the "Send" button is often missing. Here is how to get the send button to show so you can send your gifts. -
CityVille Inventory Items Delete OKShows which goals you need these items for so you know it's OK to delete items you don't need anymore and make room in your inventory. Alphabetized by item. -
First Person: How Checkbook Cushioning Messed Up My BudgetA money cushion in the checkbook is a good way to help prevent overdraft fees. Don't do it the way I did, though! My checkbook register was a mess for years.Also published on:
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First Person: How Our Credit Cards Helped Get Us Out of DebtWe were $25,000 in debt, but credit cards helped us pay it all off in six years.
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Why the 1 P.M. Date Change on Financial Transactions?Many comments on finance articles complain that some financial institutions arbitrarily change transaction dates at 1 p.m. I worked for such an institution from 1998 to 2007. Let me explain why I had to use tomorrow's date on everything I did after 1 p.m.
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How I Save Us Money on Hair CutsI don't have any formal training in how to do hair cuts. Nevertheless, I do almost all of ours!
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First Person: We Eliminated Our Car PaymentA car payment is not a fact of life. Here is our strategy for never having a car payment again, even though one of us is unemployed.
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At First Fed Press Conference, Ben Bernanke Is No WizardI was disappointed on two levels: 1) Chairman Ben Bernanke talked around the issues. 2) He came close to admitting the Fed is impotent. Issue by issue, here is what I heard him say.
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First Person: What If You Lied on Your Insurance Application?You would be paying for insurance you didn't really have, if you lied on your application for any kind of insurance: car, health, life, homeowners or business.
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'Casablanca': Hollywood's Accidental DocumentaryPretending that "Casablanca" was released today, here is why it makes a good time capsule for 1943.
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How We Save Money in the Kitchen and Living RoomBy re-purposing our old stuff, we saved money in the kitchen and living room when we moved into a rented house. Plus, a surprise bonus tip!
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Fried Potatoes Sausage and Onion like My German Gramma Used to MakeThis is one of my favorite meals. Great for mom on Mother's Day or anytime you want some comfort food!
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'Soul Surfer' is NOT a Boring Preachy Movie!One theatergoer said "Soul Surfer" was a better surfing movie than any in his collection, and he has been collecting surfing movies since 1965!
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'Hanna' Review: Friday in a Strange LandAfter the "Hanna" preview a few months ago, a guy incredulously asked his wife, "Who is the target audience for that movie?" Here is the answer.
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'Excalibur' (1981): 'Le Morte Darthur' In Movie Form, but Funny!Educators looking for a film version of Sir Thomas Malory's book, "Le Morte Darthur" (sometimes spelled "Le Morte d'Arthur") will not be disappointed by John Boorman's 1981 movie "Excalibur."
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Apartment Hunting Questions: Don't Assume, Ask!Ask every potential landlord these 6 questions until you find an apartment that is perfect for you. This is especially important if you have pets!
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A Christian's First Seder: Memories of PassoverI still remember my first and only seder clearly. It was so very different from the holiday celebrations we have in my family. I also feel blessed to have been a part of this other family's tradition.
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CityVille Gift Cheat - How Some Players Get More GiftsUse this CityVille cheat yourself, or use this information to stop giving cheaters more gifts!
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Cityville "Out of Requests" Cheat - Also Fixes "Already Asked for Help"The problem: You go to ask neighbors for red ribbon or zoning permits or something, and you get an error message that says you have run out of requests and sorry you have to try again tomorrow! Here is the solution:
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CityVille: Cheat Max Franchise Reached in Build Menu on Empty LotThis CityVille cheat to beat the message "Reached Max Franchise" does not require any downloads. This cheat works! You do not need anything special to do this cheat. It is all explained here.
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CityVille Vacation? Neighbors Still Love You If You Plant Strawberries!Strawberries in CityVille don't wither, so leave them in your game for your neighbors' benefit while you won't be playing. Here are more vacation preparations you should make so that your neighbors still love you while you're gone:
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Free CityVille Cash: How to Get it Without Cheats!What you should be doing to get your free CityVille cash sooner. No cheats and no downloads.
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Apple Valley, Calif., Infested by Moths October 2010The light brown apple moth pest (Epiphyas postvittana) may have come to Apple Valley, Calif.. Here are some pictures of the moths that suddenly appeared by the thousands here on Oct. 8, 2010, and are still here.
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Crazy Cat Lady Costume - and Tips for Making it at Least Mildly CuteThis is for the girl on Yahoo! Answers who wanted to dress up as a crazy cat lady but was afraid the costume wouldn't be cute. And for anyone else who wants to be a crazy cat lady for Halloween!
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Short Girl Costumes that Are Original and Not SkankyIt can be difficult to think of short girl costumes period, let alone short girl costumes that are not skanky. Here are several ideas that will make you glad you are short! Have fun!
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No Fangs on 'Twilight' Vampires! How to Put Together a 'Twilight' Vampire CostumeTips on how to dress as a "Twilight" Vampire! Written by an avid fan and costume nut who has read all the books five times each and seen all the movies ten or more times each.
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Buy a Volturi Cloak Online to Dress as Jane, Aro, Dimitri or Another VolturiI have combed the Internet for these sites where you can buy authentic-looking Volturi cloaks and clothes. I doubt Jane, Aro or even Dimitri would ever be seen in most of the cheap costumes you can buy at the supermarkets or drugstores at Halloween.
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5 Gum Tastes like Listerine Antiseptic Mouthwash in Cool Mint!Extravagant commercials and the Wrigley name attract many to 5 gum. It is Mars, Incorporated's first gum offering after paying more than $23 billion to purchase the Wm. Wrigley Jr. Company. I think Cobalt 5 gum tastes like Listerine, though!
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Twilight Halloween Birthday Party for GirlsFor starters, watch the first "Twilight" movie. Where everyone can see, have someone keep score of who gets more "Ooh he's cute!" type reactions: Edward Cullen (Robert Pattinson) or Jacob Black (Taylor Lautner).
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Space Alien Group Halloween Costume Design: A Little Sewing Required, SubtleLike the Visitors in the TV show V, you are space aliens who make human costumes and visit Earth. These space alien's human costumes are not very good, though. Sure to win the group costume contest at any office party.
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Celtic Halloween Costume: Woad from 'King Arthur' Using Blue Hair PaintThe blue woad painted Celtic Picts of Scotland, Ireland and Wales are portrayed well in the 2004 movie "King Arthur." Here are ideas on how to paint yourself blue, and what to wear for this costume.
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Under 21 Halloween Party Pranks and Contest IdeasHow to set up the candy so you can reach up through it to scare the kids, have "answering the door" contests, make kids "hold a dead eyeball" before they get candy and more!
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Halloween Party Costumes Boyfriend Will Wear Even If He is Too CoolUsing his favorite movie and TV characters, let's peg the costume your cool boyfriend will be happy to wear to your Halloween party.
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'Legally Blonde' Halloween Costume for a Fancy Dress Party on the CheapHigh fashion clothes and a blonde wig! Tips for getting and wearing both, on Halloween for for any costume party
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Cherry Valley Lakes California RV Park Pictures and ReviewWe camped here two nights in our truck and van. We swam in the pool, ate in the clubhouse, roasted weiners and enjoyed Friday night karaoke. They allow dogs and they have a release dog run.
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Katrina Damaged Homes Aftermath - Slideshow Photos Taken in August of 2007People had written "Do not demolish" in their windows. Moving crates or temporary mobile homes lined effected streets.
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Win the Afghanistan War: A How-To GuideToo many people (and unfortunately this might include President Obama) believe that if America just gets the heck out, then the war in Afghanistan will be over and everyone can go back to watching football.
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Taylor Lautner: "That Twilight Kid" and Much MoreThe 2010 movie "Life as We Know It" makes fun of Taylor Lautner. It belittles him. Is he doomed to just be "That Twilight Kid" who dated Taylor Swift? No way!
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'Eat Pray Love': Pro Divorce Hindu Movie that Makes Fun of Substitute Teachers and the UnemployedThe best lines are spoken by Liz's husband (Billy Crudup), whose only dream is to stay married to his wife.
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'The Other Guys': High Desert Movie Connection Weirdly Interesting"The Other Guys" wake up and Terry asks, "Where are we?" Gamble says, "We're in the high desert!"
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Just Bitten and Twilight Eclipse: Revlon and Summit Entertainment Partnership?Revlon's Just Bitten Lipstain + Balm by Colorstay comes in a color called Twilight and its commercial looks like a few of the scenes in "The Twilight Saga" movies.
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Angelina Jolie's 'Salt' (Review with Spoilers)Salt can't be the only reasonable agent in the CIA.
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What's Cheaper at Costco? A Grocery Buying GuideCostco is cheaper for these groceries, consistantly. For others, Kroger, Wal-Mart or Winco is cheaper. Benefit from my ongoing firsthand research!
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Lockhart Ranch - a modern ghost town near Barstow, CaliforniaPhotos of the modern concrete mill, store, homes, shops and cattle enclosure the Lockharts destroyed and abandoned after the Cedar Springs Dam dried up the Mojave River.
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'Eclipse' Movie: Scenes that Made the CutMost "Twilight" fans' must-have scenes made it!
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Twilight Thesis Statement Choices for Each Novel in the SeriesHere are two dozen ideas for Twilight essay topics! Written by an English teacher.
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Product Review: Tarn-X Tarnish RemoverI have not received any gifts, samples, or payment from the manufacturer or seller of Tarn-X. These are my genuine opinions and my real experiences.
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Polyester Business Pants for Women Are In?Why this shocks me, and where I buy mine!
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The A-1 Commercial Meat Loaf Sings in is Awesome!I have been a fan of the singer Meat Loaf ever since The Rocky Horror Picture Show.
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Guide to Safe Halloween Fun in Apple Valley CAEverything from where to pick your own pumpkin to safe trick or treat alternatives to fun, cheap and easy costume ideas!
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How to Keep Your Dog Cool in the Summer HeatTo keep your dog cool in the summer heat, encourage him to drink lots of water. Brush him to remove his winter coat. Encourage him to play in the water. That way, he stays cooler. My dog Raffle loves to play in the water, as you can see here. My dog attacks the water. My dog bites the water. We thin
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Thirty Years AgoShe had not been expecting a letter. She had given up all rights to her baby thirty years ago, when she signed the adoption papers. She opened the letter quickly, with trembling hands.
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Sims 3 Free Custom Content and Info Sites GuideSims 3 Tips and Tricks, free downloads, free mods and hacks, tutorials, food, clothing, accessories, patterns, makeup, furniture, hairstyles...
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Exercise in a Small Pool is Possible and Fun!How can you exercise in a small pool? Read on to see!
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Wedding Advice: Save Money by Buying from Places that Don't Say "Wedding"We saved money on our wedding by buying through ordinary channels. If I knew then what I know now, we could have saved so much more! Here are some examples.
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How to Get Rid of PimplesI had really bad acne as a teen. It started when I was 12, and I didn't get rid of it until I was 16. I didn't just have it on my face, either. My whole back was covered with pimples, too. I wish I had known.
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Exercises to Firm Your ButtI noticed my butt had become firm after two months of this.
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Stay Married Movies to Watch TogetherIn all these movies, the stars stay married! Spoiler alert: some of these movies are surprise supports of marriage.
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How to Find Perfect Fish in Your Sims 3 InventoryThe problem: Your fisher sim has a want to put perfect specimens in fishbowls. His inventory piles them into 12 red herring, 8 minnows, and 9 goldfish. Read on for the solution!
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Deployed? Stay Married! Here's HowThis is advice, from personal experience, on how to stay married when your spouse is deployed. The first half explains the secret to keeping long distance love alive. The second is on avoiding adultery.
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Winslow Legacy Challenge Sims 3 Episode 5how private weddings work in Sims 3
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Winslow Legacy Challenge Sims 3 Episode 4Gilbert starts building the Winslow mansion. I highly recommend starting all founders with the "loves the outdoors" trait.
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Winslow Legacy Challenge Sims 3 Episode 3How to get sims 3 sims in the mood so that the higher romantic options are available.
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Winslow Legacy Challenge Sims 3 Days 4 and 5how promotion meters work, what opportunities are like
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Winslow Legacy Challenge Sims 3 Days 1 Through 3how to get promoted in the Sims 3 business career, how moodlets and lifetime rewards points work
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July 4th Celebration in Apple Valley, CAApple Valley, CA has an awesome 4th of July celebration every year at Brewster Park. Admission and parking are free, too!
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See Inside Hospital and Other Houses in Sims 3Here is how to see inside the hospital in Sims 3 and other tips.
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Injury Insurance ClaimsA former liability claims adjuster gives an explanation of each type of injury insurance, and what it pays for.
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Horse Riding ClothesAdvice from my interview with USDF Gold Medalist horse trainer Kristine White of White Star Sport Horses, LLC.
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Cheap Outdoor Adventure: Carlsbad Caverns, Carlsbad, New MexicoWe had an amazing time here, and it only cost us $300, including gas!
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High Desert Colleges GuideHere is a guide to the colleges that have classrooms you can attend here in the high desert.
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Apple Valley Coffee ShopsHere are my three favorite local places to go for coffee, and what I like about each of them.
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High Desert Movie Theaters GuidePrices in our area range from $1.25 to $8.75 per ticket. Services range from traditional to stadium seating, and from drive-in to digital 3D imaging.
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Where to Find Bipolar Disorder Support OnlineA review and links to five online forums for people who have bipolar disorder.
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Most Popular Winter Wedding DatesOne popular winter wedding date for science and nature lovers, another for brides and grooms who love a night on the town, and a third popular winter wedding date for tight budgets or sentimental folks.
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Kids Halloween Costumes: Cheap, Easy, and Fun!These are my original ideas on how you can make cheap, easy, and fun Halloween costumes for your kids. You have most of these materials already!
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Your Deductible Back: Why it Takes so Long, Even Though the Accident was Not Your FaultA former insurance claims adjuster explains why it takes so long for you to get your deductible back, and what you can do to help speed it up.
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Lawn and Garden Tractors: A Buyer's GuideHere is an overview of 12 different riding lawn mowers and lawn and garden tractors. Advantages and disadvantages of each model are noted, including price.
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Car Insurance Policy DifferenceCall the claims lines at the three companies that give you the best rate quotes and ask these two questions.
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Back-to-School Planning and Preparation Tips from a TeacherBack-to-school clothes may be the fun part, but here are three things you can do ahead of time that will save lots of agonizing at school later.
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Dirt Bike Dude RanchThis is my dream vacation! Instead of riding horses all week, the guests get to ride dirt bikes all week!
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Commentary on Robert Jordan's Wheel of Time Book SeriesA Memory of Light will hopefully be in bookstores in the fall of 2009. This article is written in the Robert Jordan fan tradition of trying to predict what will happen in the novel that is not yet out.
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The Outsiders: Internet Research Topics to Assign Before Students Read SE Hinton's NovelAs I re-read this novel in 2008, I jotted down all the things that students were not likely to understand in it - either because they are young and the book is set in the 1960s, or because they are inexperienced.
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Michael Phelps as an Idol? Choose CarefullyMichael Phelps has won six 2008 Olympic gold medals for the USA so far. He also won six Olympic gold medals for the USA in 2004. We are all rooting for him.
