I have been doing extensive research on this, and I am thrilled to have stumbled upon this forum.
I went to Catholic/private lower/middle/high school and public college. The difference was mind-blowing for me. I have a son now so I'm concerned with this debate now more than ever.
I'm leaning heavily toward a private/independent institution, at least through lower and middle school.
I just don't think you can put a price on the networking and exposure aspects that a private school can offer. My wife is a NYC public school teacher and she sees what normally goes on in your run-of-the-mill NYC public school. The very best kids usually end up bored, the struggling kids get left behind, and the middle of the pack kids just get by.
One thing that concerns me is the cost. While I find the tuition to be really pricey, what bothers me more is that they just set their prices based upon WHAT? The fact that rival schools charge that much? Their operating costs? Their locations? Their payroll? How can every school in Manhattan and Brooklyn be $28,000-$32,000? I feel that they just make their costs the same as the other schools, just so they aren't perceived as being cheap or less prestigious, not because it actually costs that student that much for the education.
What should be noted is that loan modification companies and foreclosure rescue companies that take advantage of consumers have been joined by lawyers professing to assist homeowner's. While upfront fees are not allowed in MOST states by loan modification companies, lawyers are allowed to charge up front fees. These "lawyers" are just as bad if not worse. The client tends to believe that they have a lawyer representing them, when in reality the law firms have call centers with a bunch of people who have little or knowledge of the law, or mortgages. They are paper pushers, and while the client believes they are getting legal advice, in actuality they are not and are being ill advised. Consumers should be cautious and make sure that they are not paying for a service not rendered. They should expect communication from their representative at least weekly, and should verify that what their being told is the truth with their lender.
Homeowner's are always responsible for paying their mortgage payments. The only one with authority to allow you to skip your payments is your lender, and will be communicated in writing from the lender directly and will require your signature.
It's tough spending money, lol! Go to a used car lot and buy a decent car. Since you're offering cash, have them drop the price for you by 10%-20%. Let them know that the car is being given as a gift to a friend/family member, and that you don't need a receipt. Since you're offering cash, have them drop the price for you by 50%. Make sure you're dealing with the owner, or a manager-type. Look for the guy with eyes that look predatory. He'll get what you're talking about.
The recession to me means there's little money coming in to a great deal of people. They in turn spend less than they usually do. In turn less money goes out to everyone and thusly less money comes in to a great deal of people. A lot of people spend less so a lot of people earn less.
The environmental impact of eating high on the food chain can also not be ignored. We can lower our carbon footprint more effectively by giving up dairy, meat and eggs, or just having them occasionally as treats. Reducing our consumption and eating lower on the food chain is much more important than simply eating organic products from an animal source. Because even eating happy meat is a hugely inefficient way to get calories.
I have great luck with a product from Avon called Skin So Soft. It is a body oil normally used after bathing. Spread it on exposed skin when outdoors and mosquitoes will leave you alone. You smell great and the kids like it too. Very effective. There are several different kinds to choose from, but the original (in the green bottle) works best.
My driver's license address is way out of date and I never updated it. I guess that could be an issue, but I had my reasons. Second, a simple phone number is all that is required, in my opinion. If lost, call "number." Most people will want you to do the running anyway, why should someone else have to cover the cost of postage or drive to your house anyway? It may also be worth considering a reward for its return.
A recession is when I start feeling really smart about keeping my relatively low-paying but very secure job as an IT staff member at a university instead of flying the coop for a job in private industry that paid a lot more but could easily disappear.
I used it, it done very good and I did pass it on to others.
now I do smell better...thanks
I also found that a sticky mouse pad placed in a corner
in the house, with a few sprinkles of candy, spiders, ants and others nightly bugs will crawl on this and stick for ever. one one but many. place it in a corner where no one will see or step on it. this gives you an idea where they roam all the time.
Just like one big happy family.
when my husband (a scientist) loses his job, gets his MBA, can't find a job as a scientist/MBA graduate, gets a job back as a scientist and 2 weeks later I lose my job (in finance).
Job losses hit all levels, all industries and a broader breadth of people than ever before.
The word that comes to mind is "mindful" - mindful of our spending habits, our neighbor's needs, our blessings. This is the opposite, of course, of "mindless," what too many of us tend toward in times of plenty.
Does anyone know if this is pet safe. My lawn is in need of some serious fertilizing, however, I'm afraid that even some of the "Pet Safe" ones may not be as they say.
Does anyone know about this, would it be ok for dogs ??
Recession to me is pretty simple, getting back to basics and removing the "fluff" that was never needed from your life and society in general when times were better.
Whether this is happening now is a debate, I think we would be in a much better situation without government propping up companies that should have failed therefore interfering with this natural process. Now we are prolonging the economic recovery and taking on a ton of debt to help these inferior companies.
Recession makes people understand what ethical and moral financial responsibility is all about. It allows us time to focus our energies on what is important in life and take a real hard look at what are true needs and wants.
For us, this recession was a blessing and an eye opener. My husband is now an talented unemployed Architect and I am an talented underemployed Web Developer. Why was it a blessing? Well, we now understand the importance of family and how easily people can be sidetracked into the non-important things in life that take time away from those true blessings of life. Only when you live without cable do you remember what it was like to get outside and feel the grass between your toes.
I agree with most of what you're saying -- except for that part about reintroducing HFCS into your home through graham crackers. There's a better way! Katie at Making This Home just posted a super easy recipe for graham crackers, so the next time a s'mores craving hits, try whipping these up.
This is interesting. I think it's a good reminder also to make photocopies of all credit cards, IDs, insurance cards, etc. that you have in your wallet or purse. This way, if your wallet or purse does get lost or stolen, you can retrieve this information easily instead of trying to remember everything you had in there.
To me, recession means taking a "recess" from a materialistic, got-to-have-more national attitude. It means taking stock of what is really important and necessary to my quality of life. It means learning that less is more. It means watching out for others, quietly helping and expanding the definition of who is "family." It means an opportunity, born of painful and difficult circumstances to exceed survival into thriving.
I think this is the first "recession" i've lived through that I've actually noticed the effects. The malls aren't nearly as crowded as the were a few years ago. We just got back from a vacation at the beach and was surprised at the lack of a wait at our favorite resturants. In addition, I've seen more "name-brand" stores close. We've lost our FoodWorld and will be losing our Blockbuster soon.
I have been doing extensive research on this, and I am thrilled to have stumbled upon this forum.
I went to Catholic/private lower/middle/high school and public college. The difference was mind-blowing for me. I have a son now so I'm concerned with this debate now more than ever.
I'm leaning heavily toward a private/independent institution, at least through lower and middle school.
I just don't think you can put a price on the networking and exposure aspects that a private school can offer. My wife is a NYC public school teacher and she sees what normally goes on in your run-of-the-mill NYC public school. The very best kids usually end up bored, the struggling kids get left behind, and the middle of the pack kids just get by.
One thing that concerns me is the cost. While I find the tuition to be really pricey, what bothers me more is that they just set their prices based upon WHAT? The fact that rival schools charge that much? Their operating costs? Their locations? Their payroll? How can every school in Manhattan and Brooklyn be $28,000-$32,000? I feel that they just make their costs the same as the other schools, just so they aren't perceived as being cheap or less prestigious, not because it actually costs that student that much for the education.
What should be noted is that loan modification companies and foreclosure rescue companies that take advantage of consumers have been joined by lawyers professing to assist homeowner's. While upfront fees are not allowed in MOST states by loan modification companies, lawyers are allowed to charge up front fees. These "lawyers" are just as bad if not worse. The client tends to believe that they have a lawyer representing them, when in reality the law firms have call centers with a bunch of people who have little or knowledge of the law, or mortgages. They are paper pushers, and while the client believes they are getting legal advice, in actuality they are not and are being ill advised. Consumers should be cautious and make sure that they are not paying for a service not rendered. They should expect communication from their representative at least weekly, and should verify that what their being told is the truth with their lender.
Homeowner's are always responsible for paying their mortgage payments. The only one with authority to allow you to skip your payments is your lender, and will be communicated in writing from the lender directly and will require your signature.
It's tough spending money, lol! Go to a used car lot and buy a decent car. Since you're offering cash, have them drop the price for you by 10%-20%. Let them know that the car is being given as a gift to a friend/family member, and that you don't need a receipt. Since you're offering cash, have them drop the price for you by 50%. Make sure you're dealing with the owner, or a manager-type. Look for the guy with eyes that look predatory. He'll get what you're talking about.
The recession to me means there's little money coming in to a great deal of people. They in turn spend less than they usually do. In turn less money goes out to everyone and thusly less money comes in to a great deal of people. A lot of people spend less so a lot of people earn less.
The environmental impact of eating high on the food chain can also not be ignored. We can lower our carbon footprint more effectively by giving up dairy, meat and eggs, or just having them occasionally as treats. Reducing our consumption and eating lower on the food chain is much more important than simply eating organic products from an animal source. Because even eating happy meat is a hugely inefficient way to get calories.
Love the list! Thanks for all the great ideas. :)
I have great luck with a product from Avon called Skin So Soft. It is a body oil normally used after bathing. Spread it on exposed skin when outdoors and mosquitoes will leave you alone. You smell great and the kids like it too. Very effective. There are several different kinds to choose from, but the original (in the green bottle) works best.
My driver's license address is way out of date and I never updated it. I guess that could be an issue, but I had my reasons. Second, a simple phone number is all that is required, in my opinion. If lost, call "number." Most people will want you to do the running anyway, why should someone else have to cover the cost of postage or drive to your house anyway? It may also be worth considering a reward for its return.
A recession is when I start feeling really smart about keeping my relatively low-paying but very secure job as an IT staff member at a university instead of flying the coop for a job in private industry that paid a lot more but could easily disappear.
I used it, it done very good and I did pass it on to others.
now I do smell better...thanks
I also found that a sticky mouse pad placed in a corner
in the house, with a few sprinkles of candy, spiders, ants and others nightly bugs will crawl on this and stick for ever. one one but many. place it in a corner where no one will see or step on it. this gives you an idea where they roam all the time.
Just like one big happy family.
keep 'em coming
I heard that in grad-school too.
recession to me means that things may return to a little more normalcy.
when my husband (a scientist) loses his job, gets his MBA, can't find a job as a scientist/MBA graduate, gets a job back as a scientist and 2 weeks later I lose my job (in finance).
Job losses hit all levels, all industries and a broader breadth of people than ever before.
The word that comes to mind is "mindful" - mindful of our spending habits, our neighbor's needs, our blessings. This is the opposite, of course, of "mindless," what too many of us tend toward in times of plenty.
Does anyone know if this is pet safe. My lawn is in need of some serious fertilizing, however, I'm afraid that even some of the "Pet Safe" ones may not be as they say.
Does anyone know about this, would it be ok for dogs ??
Recession to me is pretty simple, getting back to basics and removing the "fluff" that was never needed from your life and society in general when times were better.
Whether this is happening now is a debate, I think we would be in a much better situation without government propping up companies that should have failed therefore interfering with this natural process. Now we are prolonging the economic recovery and taking on a ton of debt to help these inferior companies.
Recession is when common sense should kick back in (and hopefully never leave again)
Recession makes people understand what ethical and moral financial responsibility is all about. It allows us time to focus our energies on what is important in life and take a real hard look at what are true needs and wants.
For us, this recession was a blessing and an eye opener. My husband is now an talented unemployed Architect and I am an talented underemployed Web Developer. Why was it a blessing? Well, we now understand the importance of family and how easily people can be sidetracked into the non-important things in life that take time away from those true blessings of life. Only when you live without cable do you remember what it was like to get outside and feel the grass between your toes.
I agree with most of what you're saying -- except for that part about reintroducing HFCS into your home through graham crackers. There's a better way! Katie at Making This Home just posted a super easy recipe for graham crackers, so the next time a s'mores craving hits, try whipping these up.
Recession: When your neighbor loses their job.
Depression: When you lose your job.
Recovery: When Obama loses his.
Written with a smile...please read it that way :-)
This is interesting. I think it's a good reminder also to make photocopies of all credit cards, IDs, insurance cards, etc. that you have in your wallet or purse. This way, if your wallet or purse does get lost or stolen, you can retrieve this information easily instead of trying to remember everything you had in there.
To me, recession means taking a "recess" from a materialistic, got-to-have-more national attitude. It means taking stock of what is really important and necessary to my quality of life. It means learning that less is more. It means watching out for others, quietly helping and expanding the definition of who is "family." It means an opportunity, born of painful and difficult circumstances to exceed survival into thriving.
Excellent ideas. Doing these activities, especially the reading, is very beneficial to your child's vocabulary. That will be an asset for life.
I think this is the first "recession" i've lived through that I've actually noticed the effects. The malls aren't nearly as crowded as the were a few years ago. We just got back from a vacation at the beach and was surprised at the lack of a wait at our favorite resturants. In addition, I've seen more "name-brand" stores close. We've lost our FoodWorld and will be losing our Blockbuster soon.
Thanks,
Ashley Sherer
Good one, Elizabeth. I'm scrolling up to check out the link to the free showings now. Thanks.
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