DEAR HARRIETTE: I want to go back to school and get my bachelor's degree. I think it will help me to earn more money in my field. When I tell my family and friends about my dream, they laugh at me and don’t seem to take me seriously.

All of the adults in my life went to traditional universities and got degrees back when they were younger. I am a 30-year-old woman, and I am thinking of getting an online degree so that I can go to school and keep working at the same time. They claim that these types of degrees are not real and are a waste of time. How can I get them to be supportive of my dream? -- Degree, Columbus, Ohio

DEAR DEGREE: Stay focused on your goals, and do your best not to let your family’s questions dissuade you. Do research on each of the schools you are considering. Find out who some of the prominent graduates are as well as what fields they enter upon graduation. Check to see if the school is accredited, how long it has been operational and what types of classes are offered. Many schools offer online classes these days, even Ivy League schools. Find what works for you, and then tell your family after you are enrolled and on your way.

DEAR HARRIETTE: I thought by now that the political debates about the United States presidency would have waned. I tire of turning on the news and seeing report after report about what one side believes or the other.

I won’t lie. I am a Democrat, and I did not support the current president. But every other time it seemed like people got past their personal views and at least sort of tried to support whoever was in office. I feel like there are plenty of things that I don’t like that are happening right now, but spewing hate doesn’t seem like the way to effect change.

Whenever I suggest to my friends that we say a prayer for the president or something else positive, they scoff at me and call me Pollyanna. I disagree. I was taught that the way to make things better is to be positive. What do you think? -- Neutral, Des Moines, Iowa

DEAR NEUTRAL: One of the greatest lessons I have learned is that love is the great healer. Through strength and love, people can support right action. Yes, collective prayer can be powerful. Praying for the good of the people and of the Earth is smart. That is not enough, though. You must take action, too. Know what you believe, and do your research. Figure out what policies you support and those that you oppose. Make your voice known. Get in there and express your opinions in one way or another -- through respectful letter-writing to the president, your members of Congress and your community. Become politically active as you cultivate a loving, respectful spirit. Make yourself the change you want to see in this world. Help to hold all elected officials accountable for their actions.

(Harriette Cole is a lifestylist and founder of DREAMLEAPERS, an initiative to help people access and activate their dreams. You can send questions to askharriette@harriettecole.com or c/o Andrews McMeel Syndication, 1130 Walnut St., Kansas City, MO 64106.)

DEAR HARRIETTE: I have been working freelance for the past 10 years or so, and it has been a rocky road. Sometimes I’ve had great contracts. Other times, not so much. This year has been especially tough, and I am broke. Really broke. I have credit card debt, and I feel like my whole world is collapsing on me. What I have done is not good, I’m sure. I have stopped answering the phone, and I see my credit score plummeting. I don’t know what to do. I am looking for work, but without some projects, I do not have the money to pay my bills. -- Up Against the Wall, Pittsburgh

DEAR UP AGAINST THE WALL: As hard as it may seem right now, the best thing for you to do is to be upfront with your creditors. Contact each one directly, and explain your situation. Ask for leniency. Promise to pay them something the moment income begins to flow again. Ask if they would be willing to suspend late fees and negative reporting to the credit card bureaus for a couple of months while you search for work. Since the credit card company's job is to recoup its money, it will likely try to work with you. Getting some (or ideally, all) of its money back over time is its goal. Generally, if you approach the company with a positive attitude, you will get some kind of support.

DEAR HARRIETTE: I have been getting my hair dyed for about 15 years now. Like other women in my family, I went gray prematurely. I have gone to several salons over the years and have often gotten some wacky colors. I haven’t been to a salon in months, as my funds are low, and my roots are beginning to give away my silver secrets. I don’t think I can get a discount from my hair dresser, and I don’t want to go natural yet. Do you think those “paint in the roots” products work? -- Silver Secrets, Tacoma, Washington

DEAR SILVER SECRETS: How much gray hair is showing will determine whether those spot root treatments are worth it. What seems more fitting is for you to go to the beauty supply store and purchase hair dye in the color you feel you want to wear today. Then go home and follow the directions to dye your hair yourself. This may seem scary at first, especially if you have never done it before, but you can do it. Thousands of women do so all the time.

Just make sure that you clean the area you will be using for the dying. Use gloves so you do not stain your hands. Take your time. For a boost of moral support, ask a trusted friend to help you -- especially if that person has ever dyed her hair before. You can do it if you take your time.

(Harriette Cole is a lifestylist and founder of DREAMLEAPERS, an initiative to help people access and activate their dreams. You can send questions to askharriette@harriettecole.com or c/o Andrews McMeel Syndication, 1130 Walnut St., Kansas City, MO 64106.)

DEAR HARRIETTE: The way I grew up, the only grade my father considered worth getting was an A. He thought getting 100 on a test was the only acceptable score. While I was an A student, I found it extremely stressful to try to live up to his expectations. That’s why when I had my daughter, I decided not to put that same kind of pressure on her. I expect her to do well, but I do not enforce strict rules about grades.

My daughter recently got her report card, and she got all A's (A, A-plus and A-minus), plus one B. My husband was livid that she hadn’t received all A’s. Further, he told me that my father would never accept a B. We got into an argument about this. Sure, that was my father’s way, but what I know is that my daughter tried really hard and did the best she could in this particular subject. A B is not a bad grade in my book.

I tried to calm down my husband and let him know that I will make sure our daughter knows to always do her best, but I don’t want him dashing her confidence by telling her it’s A or nothing. What should I do? -- A or the Highway, Denver

DEAR A OR THE HIGHWAY: You and your husband must come to an agreement on how and what you will say to your daughter about her education and her grades. She should not have to hear the two of you arguing about her grades, nor should she feel conflicted over the way that her parents regard her scores. Talk it out. Do your best to get your husband to agree to be a cheerleader for your daughter in the sense that you both should be actively encouraging her to study and apply what she learns in the best possible ways. If she needs help, get it for her. Talk to her teachers to learn what support the school offers so that she can improve her grades where needed. Work as a team.

DEAR HARRIETTE: My son is a junior in college. He has just come home for the summer, and I see that he has picked up some bad habits. He used to keep his room tidy and help out around the house. Now, he sleeps late, doesn’t tidy at all and is generally kind of grumpy. I’m worried that something happened while he was away at school that has changed his outlook on life. I’m not sure how to get him to open up, though. As children grow up, they rarely want to talk about what’s really going on. What can I do? -- Worried, Madison, Wisconsin

DEAR WORRIED: Start by talking to your son over a meal. Ask him how he’s doing and how the school year went for him. Gently probe to learn if he met any new friends, or if there is a special someone in his life. You may need a few of these conversations before you get any leads.

Meanwhile, remind him of the things you expect him to do at home. He hasn’t lived there for a while, so a refresher may be needed. Ease into living together again as the summer unfolds.

(Harriette Cole is a lifestylist and founder of DREAMLEAPERS, an initiative to help people access and activate their dreams. You can send questions to askharriette@harriettecole.com or c/o Andrews McMeel Syndication, 1130 Walnut St., Kansas City, MO 64106.)