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	<title>Comments on: Thinking About Another (Temporary) Life Change</title>
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	<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: gail</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-868985</link>
		<dc:creator>gail</dc:creator>
		<pubDate>Sat, 27 Feb 2010 02:12:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-868985</guid>
		<description><![CDATA[To Sharon #60...Like Trent&#039;s wife, I, too, have a teaching degree, and CHOSE to waitress a few nights a week so I could spend more time raising my children.  I needed to work around my husband&#039;s 60-plus hour work week, earn money, and still be there for my children without putting them in daycare (which was definitely unaffordable in my area.)  Don&#039;t ASSUME that an educated person is demeaning his/herself by doing an honest days&#039; work. Shame on you...]]></description>
		<content:encoded><![CDATA[<p>To Sharon #60&#8230;Like Trent&#8217;s wife, I, too, have a teaching degree, and CHOSE to waitress a few nights a week so I could spend more time raising my children.  I needed to work around my husband&#8217;s 60-plus hour work week, earn money, and still be there for my children without putting them in daycare (which was definitely unaffordable in my area.)  Don&#8217;t ASSUME that an educated person is demeaning his/herself by doing an honest days&#8217; work. Shame on you&#8230;</p>
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		<title>By: Nicole</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-867157</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Wed, 24 Feb 2010 16:15:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-867157</guid>
		<description><![CDATA[I have MASTERS students who have gone through four years of college (with straight As) in addition to K-12 who only know memorization.  We had to start the first class in the first year explaining to them how in our program they would have to think critically for the first time and that would cause some cognitive dissonance.  On the other hand, I had a very interesting discussion with a home-schooled (religious) 12 year old on the plane who obviously had strong analytical reading skills.  She was on her way back from a bible competition.

You do need to memorize the spelling/pronunciation of a few irregular words in English.  As I said, that&#039;s because the English language was written before it was fixed with speaking.  You can look up in the Oxford English Dictionary the etiology of these words (something that a home-schooled kid is more likely to do, btw), but they still need to be memorized.

I am reminded of a recent story I heard about a reggio inspired preschool program.  It&#039;s supposed to be student-driven, so if a student asks, &quot;What is 2+2&quot; the teacher is supposed to ask &quot;how do we figure that out&quot; and guide the kid to figuring out that 2+2 is 4.  When well run, this method is great.  However, when the kid asks, &quot;What color is this?&quot;  Asking how to figure it out (as was done at this school) doesn&#039;t make a whole ton of sense.  Memorizing that 2+2 = 4 isn&#039;t the best way of learning math, but memorizing what color red is (something that is an arbitrary construct) is pretty necessary.]]></description>
		<content:encoded><![CDATA[<p>I have MASTERS students who have gone through four years of college (with straight As) in addition to K-12 who only know memorization.  We had to start the first class in the first year explaining to them how in our program they would have to think critically for the first time and that would cause some cognitive dissonance.  On the other hand, I had a very interesting discussion with a home-schooled (religious) 12 year old on the plane who obviously had strong analytical reading skills.  She was on her way back from a bible competition.</p>
<p>You do need to memorize the spelling/pronunciation of a few irregular words in English.  As I said, that&#8217;s because the English language was written before it was fixed with speaking.  You can look up in the Oxford English Dictionary the etiology of these words (something that a home-schooled kid is more likely to do, btw), but they still need to be memorized.</p>
<p>I am reminded of a recent story I heard about a reggio inspired preschool program.  It&#8217;s supposed to be student-driven, so if a student asks, &#8220;What is 2+2&#8243; the teacher is supposed to ask &#8220;how do we figure that out&#8221; and guide the kid to figuring out that 2+2 is 4.  When well run, this method is great.  However, when the kid asks, &#8220;What color is this?&#8221;  Asking how to figure it out (as was done at this school) doesn&#8217;t make a whole ton of sense.  Memorizing that 2+2 = 4 isn&#8217;t the best way of learning math, but memorizing what color red is (something that is an arbitrary construct) is pretty necessary.</p>
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		<title>By: yvonne</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-867087</link>
		<dc:creator>yvonne</dc:creator>
		<pubDate>Wed, 24 Feb 2010 13:38:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-867087</guid>
		<description><![CDATA[Hey Trent way to go, get the people wound up.
I have a friend that taught in NY state. After her first child she took the leave, she tutored the kids that had been expelled from school for a year working towards a job in early childhood intervention. Talk openly with her principle and school district. This allows her to build her own schedule 2 days a week and so on. I hope it all works out. Love your Blog.]]></description>
		<content:encoded><![CDATA[<p>Hey Trent way to go, get the people wound up.<br />
I have a friend that taught in NY state. After her first child she took the leave, she tutored the kids that had been expelled from school for a year working towards a job in early childhood intervention. Talk openly with her principle and school district. This allows her to build her own schedule 2 days a week and so on. I hope it all works out. Love your Blog.</p>
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		<title>By: Brittany</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-866926</link>
		<dc:creator>Brittany</dc:creator>
		<pubDate>Wed, 24 Feb 2010 05:34:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-866926</guid>
		<description><![CDATA[Believe it or not, Nicole, after close to five years of teaching and tutoring, I have discovered that you can break pennies into groups to illustrate division. I&#039;m talking about when kids don&#039;t get THAT. Those were simplistic examples anyway. There are plenty of &quot;basic&quot; skills, like analytical reading, that are just hard to teach without some knowledge of different strategies of teaching it, no matter how high your skill level is. (And &quot;just memorize it&quot; is a pretty shitty teaching strategy, for the record, and basically screws kids in the long run.)

I&#039;m not saying teaching credentials are required to teach well. In fact, our teaching credentialing is not very efficient or useful. However, some knowledge of how to teach and of how kids learn is helpful, and the idea that anyone who knows basic math and reading can teach it easily is completely nonsensical.]]></description>
		<content:encoded><![CDATA[<p>Believe it or not, Nicole, after close to five years of teaching and tutoring, I have discovered that you can break pennies into groups to illustrate division. I&#8217;m talking about when kids don&#8217;t get THAT. Those were simplistic examples anyway. There are plenty of &#8220;basic&#8221; skills, like analytical reading, that are just hard to teach without some knowledge of different strategies of teaching it, no matter how high your skill level is. (And &#8220;just memorize it&#8221; is a pretty shitty teaching strategy, for the record, and basically screws kids in the long run.)</p>
<p>I&#8217;m not saying teaching credentials are required to teach well. In fact, our teaching credentialing is not very efficient or useful. However, some knowledge of how to teach and of how kids learn is helpful, and the idea that anyone who knows basic math and reading can teach it easily is completely nonsensical.</p>
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		<title>By: Nicole</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-866628</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Tue, 23 Feb 2010 17:00:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-866628</guid>
		<description><![CDATA[forgot about the dratted links again:

#74 That is sad. But not everybody without teaching credentials has trouble with explaining why 6 divided by 2 is 3. (Hint: Take 6 legos or pennies and divide them into 2 groups– how many are in each group?) Or why a certain combination of letters creates a word (hint: phonics, with some irregularities that unfortunately need to be memorized because of quirks in the English language as it was written down before it was set as a spoken language).

I know plenty of homeschooling kids who did just fine in college. As for mainstreaming in middle school or high school, well, some of us who had regular school also had trouble with that. And good grief, although there are a lot of excellent teachers out there, there sure are a lot of lousy ones too (ah, 4th grade, where Ms. Busby called me a snot-nosed little brat for saying that I didn’t think the pilgrims were the first white people in the US like she had said… 7th grade where Mr. Breed the science teacher pedophile finally got re-mediated to a paid desk job away from children).

And with the plumbing example, does nobody do their own home maintenance? There’s a lot of stuff you can do around the house just with access to books and the internet. You can call in a specialist if needed. (My preschooler is reading with phonics, btw, and he loves himself some starfall-- google it )

Home schooling is a lot more efficient than teaching. There’s only a few kids who can basically teach themselves with help from books and other activities. Kids can go at their own pace, focusing on their interests, but still matching the basic curriculum, and there’s plenty of curricular help out there. Way better than sitting for 45 minutes listening to (8th grade) Mr. Morris reading aloud from the American History textbook.

Now, I’m not homeschooling my children, but that’s because my husband and I both have fulfilling full-time jobs, and we’re pretty sure our son will thrive in most any environment (so long as he stays away from pedophiles), despite school.]]></description>
		<content:encoded><![CDATA[<p>forgot about the dratted links again:</p>
<p>#74 That is sad. But not everybody without teaching credentials has trouble with explaining why 6 divided by 2 is 3. (Hint: Take 6 legos or pennies and divide them into 2 groups– how many are in each group?) Or why a certain combination of letters creates a word (hint: phonics, with some irregularities that unfortunately need to be memorized because of quirks in the English language as it was written down before it was set as a spoken language).</p>
<p>I know plenty of homeschooling kids who did just fine in college. As for mainstreaming in middle school or high school, well, some of us who had regular school also had trouble with that. And good grief, although there are a lot of excellent teachers out there, there sure are a lot of lousy ones too (ah, 4th grade, where Ms. Busby called me a snot-nosed little brat for saying that I didn’t think the pilgrims were the first white people in the US like she had said… 7th grade where Mr. Breed the science teacher pedophile finally got re-mediated to a paid desk job away from children).</p>
<p>And with the plumbing example, does nobody do their own home maintenance? There’s a lot of stuff you can do around the house just with access to books and the internet. You can call in a specialist if needed. (My preschooler is reading with phonics, btw, and he loves himself some starfall&#8211; google it )</p>
<p>Home schooling is a lot more efficient than teaching. There’s only a few kids who can basically teach themselves with help from books and other activities. Kids can go at their own pace, focusing on their interests, but still matching the basic curriculum, and there’s plenty of curricular help out there. Way better than sitting for 45 minutes listening to (8th grade) Mr. Morris reading aloud from the American History textbook.</p>
<p>Now, I’m not homeschooling my children, but that’s because my husband and I both have fulfilling full-time jobs, and we’re pretty sure our son will thrive in most any environment (so long as he stays away from pedophiles), despite school.</p>
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		<title>By: Brittany</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-866545</link>
		<dc:creator>Brittany</dc:creator>
		<pubDate>Tue, 23 Feb 2010 14:44:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-866545</guid>
		<description><![CDATA[I agree, Tammy. While homeschooling can be done well (and the co-op described earlier sounds great), all the homeschool kids I knew had a tremendous amount of trouble &quot;mainstreaming&quot; when they finally entered high school or college.

And the idea that &quot;if you can’t teach reading and basic math, maybe you should look at your own education&quot; is just plain wrong. There&#039;s nothing wrong with my education--valedictorian at a challenging college and planning on going back for my PhD soon--and I have several years of tutoring and teaching experience. I currently teach middle school and do a lot of academic remediation. I&#039;ve had a lot of success, but there gets a point where a student&#039;s level is so low, I don&#039;t know how to teach the material anymore. If a child doesn&#039;t understand why 6 divided by 2 is 3 or why a certain combination of letters creates a word, I don&#039;t have the training to get past the &quot;Because it is!&quot; stage. I would actually argue that it&#039;s significantly HARDER to teach basic reading and math (because this requires a lot of knowledge of how children learn and how to break down and teach concepts that you just KNOW so you can make the concepts just as intrinsic to the kid) than it is to teach a child once this basis has been laid down.]]></description>
		<content:encoded><![CDATA[<p>I agree, Tammy. While homeschooling can be done well (and the co-op described earlier sounds great), all the homeschool kids I knew had a tremendous amount of trouble &#8220;mainstreaming&#8221; when they finally entered high school or college.</p>
<p>And the idea that &#8220;if you can’t teach reading and basic math, maybe you should look at your own education&#8221; is just plain wrong. There&#8217;s nothing wrong with my education&#8211;valedictorian at a challenging college and planning on going back for my PhD soon&#8211;and I have several years of tutoring and teaching experience. I currently teach middle school and do a lot of academic remediation. I&#8217;ve had a lot of success, but there gets a point where a student&#8217;s level is so low, I don&#8217;t know how to teach the material anymore. If a child doesn&#8217;t understand why 6 divided by 2 is 3 or why a certain combination of letters creates a word, I don&#8217;t have the training to get past the &#8220;Because it is!&#8221; stage. I would actually argue that it&#8217;s significantly HARDER to teach basic reading and math (because this requires a lot of knowledge of how children learn and how to break down and teach concepts that you just KNOW so you can make the concepts just as intrinsic to the kid) than it is to teach a child once this basis has been laid down.</p>
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		<title>By: Adrienne</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-866207</link>
		<dc:creator>Adrienne</dc:creator>
		<pubDate>Tue, 23 Feb 2010 04:06:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-866207</guid>
		<description><![CDATA[Kevin #72:

The difference between plumbing or baseball and homeschooling is that I didn&#039;t spend 17 years studying plumbing or baseball, but I did spend 17 years in school learning the same subjects my children are learning.  I&#039;ve taken math beyond calculus; college-level physics, chemistry, and biology; and a bunch of writing classes.  The only thing separating me from a teaching career is a credential, and many classes in credential programs are meant to prepare teachers for a classroom of kids within the public school system (not knowledge needed to homeschool).  I&#039;m not arrogant.  I just know I can educate my kids better than the system can.]]></description>
		<content:encoded><![CDATA[<p>Kevin #72:</p>
<p>The difference between plumbing or baseball and homeschooling is that I didn&#8217;t spend 17 years studying plumbing or baseball, but I did spend 17 years in school learning the same subjects my children are learning.  I&#8217;ve taken math beyond calculus; college-level physics, chemistry, and biology; and a bunch of writing classes.  The only thing separating me from a teaching career is a credential, and many classes in credential programs are meant to prepare teachers for a classroom of kids within the public school system (not knowledge needed to homeschool).  I&#8217;m not arrogant.  I just know I can educate my kids better than the system can.</p>
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		<title>By: Kevin</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-866164</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Tue, 23 Feb 2010 02:16:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-866164</guid>
		<description><![CDATA[@Adrienne, jgonzales:

Not a troll at all, I&#039;m quite serious.  I think it&#039;s highly arrogant that anyone believes they are capable of doing just a good a job of teaching their child as an experienced, educated, and certified teacher.  Do these people think that a teacher&#039;s job is just really, really easy, or do they actually think they are God&#039;s gift to children, and they are so unbelievably smart that they can just jump in and teach their kids everything that an actual teach could teach them?

I don&#039;t presume to be as good at plumbing as a professional plumber.  I don&#039;t presume to be as good at baseball as a professional baseball player.  And I certainly am not arrogant enough to believe that I&#039;m as good a teacher as an actual, professional teacher.]]></description>
		<content:encoded><![CDATA[<p>@Adrienne, jgonzales:</p>
<p>Not a troll at all, I&#8217;m quite serious.  I think it&#8217;s highly arrogant that anyone believes they are capable of doing just a good a job of teaching their child as an experienced, educated, and certified teacher.  Do these people think that a teacher&#8217;s job is just really, really easy, or do they actually think they are God&#8217;s gift to children, and they are so unbelievably smart that they can just jump in and teach their kids everything that an actual teach could teach them?</p>
<p>I don&#8217;t presume to be as good at plumbing as a professional plumber.  I don&#8217;t presume to be as good at baseball as a professional baseball player.  And I certainly am not arrogant enough to believe that I&#8217;m as good a teacher as an actual, professional teacher.</p>
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		<title>By: jan</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-866059</link>
		<dc:creator>jan</dc:creator>
		<pubDate>Mon, 22 Feb 2010 23:15:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-866059</guid>
		<description><![CDATA[My husband and I raised our six kids on limited income.  They are all grown up happy, contributing adults. I don&#039;t ever remember thinking about the things you are talking about and wonder if the money/income concerns you have are that important.  After all we are only given the promise of today.]]></description>
		<content:encoded><![CDATA[<p>My husband and I raised our six kids on limited income.  They are all grown up happy, contributing adults. I don&#8217;t ever remember thinking about the things you are talking about and wonder if the money/income concerns you have are that important.  After all we are only given the promise of today.</p>
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		<title>By: done that</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-866039</link>
		<dc:creator>done that</dc:creator>
		<pubDate>Mon, 22 Feb 2010 22:33:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-866039</guid>
		<description><![CDATA[In our district a lot of teachers solve the problem by job sharing.  What started out as half day sharing arrangements has now blossomed into alternate days on up to alternate semesters.  This lets the arrangement work for both teachers for extended periods of time.  Half days probably wouldn&#039;t work with Sarah&#039;s commute but what about M/W or T/Th with alternate Fridays?

I won&#039;t go too far into the homeschool debate because I could go on a really long time.  But I will point out that we used to have children and raise them and then they would go to school sometime around age six.  Then we added kindergarten which is still not mandatory in most states.  Preschool fills the need of parents who have to work.  Any child from a loving home who is experiencing life is not going to be &quot;behind&quot; by 5 or 6 for lack of formal schooling.]]></description>
		<content:encoded><![CDATA[<p>In our district a lot of teachers solve the problem by job sharing.  What started out as half day sharing arrangements has now blossomed into alternate days on up to alternate semesters.  This lets the arrangement work for both teachers for extended periods of time.  Half days probably wouldn&#8217;t work with Sarah&#8217;s commute but what about M/W or T/Th with alternate Fridays?</p>
<p>I won&#8217;t go too far into the homeschool debate because I could go on a really long time.  But I will point out that we used to have children and raise them and then they would go to school sometime around age six.  Then we added kindergarten which is still not mandatory in most states.  Preschool fills the need of parents who have to work.  Any child from a loving home who is experiencing life is not going to be &#8220;behind&#8221; by 5 or 6 for lack of formal schooling.</p>
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		<title>By: Melody</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-866018</link>
		<dc:creator>Melody</dc:creator>
		<pubDate>Mon, 22 Feb 2010 21:41:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-866018</guid>
		<description><![CDATA[Be careful about changing health insurance.  You could get caught up in a &quot;pre-exisiting condition&quot; scenario and find out you&#039;re not eligible for coverage.]]></description>
		<content:encoded><![CDATA[<p>Be careful about changing health insurance.  You could get caught up in a &#8220;pre-exisiting condition&#8221; scenario and find out you&#8217;re not eligible for coverage.</p>
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		<title>By: Jean</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-865975</link>
		<dc:creator>Jean</dc:creator>
		<pubDate>Mon, 22 Feb 2010 20:24:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-865975</guid>
		<description><![CDATA[Since Trent hasn&#039;t clarified, I have to assume that his wife&#039;s available leave is something other than FMLA, which is only twelve weeks. And I hope these other people saying it&#039;s different for teachers are correct..I am an HR administrator and can tell you that most people in our organization that have used FMLA have caused some kind of repurcussion for themselves or others, mostly because upper management realized that if we could get along without somebody for 12 weeks, we were overstaffed. It has been especially punitive for fathers taking paternity leave--no matter what the law says, that does not fit into corporate culture. Positions have been eliminated, and now I think most employees would be very hesistant to use FMLA except in a dire emergency.  My daughter is a teacher, and when she graduated last spring, her experience was that there were at least 20 applicants for every available position, so I don&#039;t think there is any special job security in our area for teachers unless they are tenured.]]></description>
		<content:encoded><![CDATA[<p>Since Trent hasn&#8217;t clarified, I have to assume that his wife&#8217;s available leave is something other than FMLA, which is only twelve weeks. And I hope these other people saying it&#8217;s different for teachers are correct..I am an HR administrator and can tell you that most people in our organization that have used FMLA have caused some kind of repurcussion for themselves or others, mostly because upper management realized that if we could get along without somebody for 12 weeks, we were overstaffed. It has been especially punitive for fathers taking paternity leave&#8211;no matter what the law says, that does not fit into corporate culture. Positions have been eliminated, and now I think most employees would be very hesistant to use FMLA except in a dire emergency.  My daughter is a teacher, and when she graduated last spring, her experience was that there were at least 20 applicants for every available position, so I don&#8217;t think there is any special job security in our area for teachers unless they are tenured.</p>
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		<title>By: Sandy</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-865972</link>
		<dc:creator>Sandy</dc:creator>
		<pubDate>Mon, 22 Feb 2010 20:20:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-865972</guid>
		<description><![CDATA[Well, someone said to me one time, and I think of this many times in my life, and now as my teens are getting into various situations....you CAN have it ALL...just not always at the same time. This will likely be the last time (unless you plan to have more kids) to be able to be at home with her babies. As a science teacher, she would likely be in demand at any school system. She could use the year off to apply to really local school systems, and then the commute after her return would be  (maybe) 10 minutes, thus giving her nearly 2 extra home hours per day.
A couple of thoughts...you may want to explore whatever HSA options that Sarah has. You could sock away a whole bunch before she takes her leave, and then pay (at least partially) insurance premiums from that.
Also, if this is something she may want to consider in regard to preschool for the 4 yr old: I set up a cooperative preschool with 3 other moms in our homes. We rotated teacher/assistant teacher duties, and the other mothers were on baby care duties (watched any younger siblings during the preschool hours), This worked out beautifully for us all, and we had next to no expenses (just craft and snack costs, which we always worked into the curriculum). We used several sources for curriculum, including Waldorf. It&#039;s been 8 years since we did it for a year, and I still look back on what a fun time my daughter and her little friends had (me too!)
Good luck in the decision making!]]></description>
		<content:encoded><![CDATA[<p>Well, someone said to me one time, and I think of this many times in my life, and now as my teens are getting into various situations&#8230;.you CAN have it ALL&#8230;just not always at the same time. This will likely be the last time (unless you plan to have more kids) to be able to be at home with her babies. As a science teacher, she would likely be in demand at any school system. She could use the year off to apply to really local school systems, and then the commute after her return would be  (maybe) 10 minutes, thus giving her nearly 2 extra home hours per day.<br />
A couple of thoughts&#8230;you may want to explore whatever HSA options that Sarah has. You could sock away a whole bunch before she takes her leave, and then pay (at least partially) insurance premiums from that.<br />
Also, if this is something she may want to consider in regard to preschool for the 4 yr old: I set up a cooperative preschool with 3 other moms in our homes. We rotated teacher/assistant teacher duties, and the other mothers were on baby care duties (watched any younger siblings during the preschool hours), This worked out beautifully for us all, and we had next to no expenses (just craft and snack costs, which we always worked into the curriculum). We used several sources for curriculum, including Waldorf. It&#8217;s been 8 years since we did it for a year, and I still look back on what a fun time my daughter and her little friends had (me too!)<br />
Good luck in the decision making!</p>
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		<title>By: Tammy</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-865945</link>
		<dc:creator>Tammy</dc:creator>
		<pubDate>Mon, 22 Feb 2010 19:30:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-865945</guid>
		<description><![CDATA[LOL, I&#039;m going to get hated on...

My sister homeschools her four kids, ages 5-15.  She has her elementary education college degree, but never taught in mainstream school.  While I don&#039;t doubt that the children are bright, and probably way ahead in &quot;book learnin&#039;&quot;, these kids are so backwards socially it is sad.  I don&#039;t think they are part of a homeschool co-op, so the only interaction they have with other children is Sunday at their ultra-conservative church, where all the other kids are just like they are.

If they ever do enter mainstream school they&#039;ll be eaten alive by the other kids.  They have difficulty taking even gentle constructive criticism from adults, let alone the ruthless teasing that goes on in junior high and high school.
  
I&#039;m sure homeschooling works well for some, but I don&#039;t think it has done my nieces and nephews any favors...and their situation certainly doesn&#039;t reflect well on the &quot;homeschooling is awesome&quot; camp.

Best of luck to you, Trent and Sarah.  I think sending your oldest to preschool is a great idea, even if it is extra money spent.  Kids need to learn to play with other kids.  I don&#039;t think homeschooling always gets the job done.]]></description>
		<content:encoded><![CDATA[<p>LOL, I&#8217;m going to get hated on&#8230;</p>
<p>My sister homeschools her four kids, ages 5-15.  She has her elementary education college degree, but never taught in mainstream school.  While I don&#8217;t doubt that the children are bright, and probably way ahead in &#8220;book learnin&#8217;&#8221;, these kids are so backwards socially it is sad.  I don&#8217;t think they are part of a homeschool co-op, so the only interaction they have with other children is Sunday at their ultra-conservative church, where all the other kids are just like they are.</p>
<p>If they ever do enter mainstream school they&#8217;ll be eaten alive by the other kids.  They have difficulty taking even gentle constructive criticism from adults, let alone the ruthless teasing that goes on in junior high and high school.</p>
<p>I&#8217;m sure homeschooling works well for some, but I don&#8217;t think it has done my nieces and nephews any favors&#8230;and their situation certainly doesn&#8217;t reflect well on the &#8220;homeschooling is awesome&#8221; camp.</p>
<p>Best of luck to you, Trent and Sarah.  I think sending your oldest to preschool is a great idea, even if it is extra money spent.  Kids need to learn to play with other kids.  I don&#8217;t think homeschooling always gets the job done.</p>
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		<title>By: chacha1</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-865923</link>
		<dc:creator>chacha1</dc:creator>
		<pubDate>Mon, 22 Feb 2010 19:05:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-865923</guid>
		<description><![CDATA[I *wish* I had been homeschooled; I could have graduated at twelve, based on the system I was in.  But it never would have worked with my mom!  She was a teacher with an M.Ed., but just because someone has the qualification doesn&#039;t mean she has the personality.  Tolerance, patience, and flexibility are key. My mom had all three, but with an expiration date.  :-) 

This is an interesting discussion and I think it would be enlightening for Trent to follow up with some clarification on options they&#039;ve discarded.]]></description>
		<content:encoded><![CDATA[<p>I *wish* I had been homeschooled; I could have graduated at twelve, based on the system I was in.  But it never would have worked with my mom!  She was a teacher with an M.Ed., but just because someone has the qualification doesn&#8217;t mean she has the personality.  Tolerance, patience, and flexibility are key. My mom had all three, but with an expiration date.  :-) </p>
<p>This is an interesting discussion and I think it would be enlightening for Trent to follow up with some clarification on options they&#8217;ve discarded.</p>
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		<title>By: jgonzales</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-865905</link>
		<dc:creator>jgonzales</dc:creator>
		<pubDate>Mon, 22 Feb 2010 18:37:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-865905</guid>
		<description><![CDATA[Really hoping Kevin (61) is a troll.

I&#039;ve known lots of homeschooling children and not a single one has ever been in a &quot;special&quot; class as you point out. Most have been in the advance classes. The only person I know of to get a perfect 36 on their ACTs was homeschooled.

While there are a few parents who may not be able to homeschool their children properly for whatever reason (usually it&#039;s a self-discipline issue for the parent to actually teach) there are many, many more who do an above average job at teaching their children.

If you look at the national contests for children like spelling bees or sports like the Olympics, you will find many of them are homeschooled. Homeschooling, with it&#039;s focus on a single child or just a few, can be much more individualized than the average classroom and results in a much better education for the child.]]></description>
		<content:encoded><![CDATA[<p>Really hoping Kevin (61) is a troll.</p>
<p>I&#8217;ve known lots of homeschooling children and not a single one has ever been in a &#8220;special&#8221; class as you point out. Most have been in the advance classes. The only person I know of to get a perfect 36 on their ACTs was homeschooled.</p>
<p>While there are a few parents who may not be able to homeschool their children properly for whatever reason (usually it&#8217;s a self-discipline issue for the parent to actually teach) there are many, many more who do an above average job at teaching their children.</p>
<p>If you look at the national contests for children like spelling bees or sports like the Olympics, you will find many of them are homeschooled. Homeschooling, with it&#8217;s focus on a single child or just a few, can be much more individualized than the average classroom and results in a much better education for the child.</p>
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		<title>By: Adrienne</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-865882</link>
		<dc:creator>Adrienne</dc:creator>
		<pubDate>Mon, 22 Feb 2010 17:50:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-865882</guid>
		<description><![CDATA[Wow, Kevin (#61), I sure hope you&#039;re a troll, but that there&#039;s some crazy talk.

Most parents are absolutely capable of homeschooling their children.  Temperament and desire are different issues, but ability?  No question.  Teaching your own child is much different than teaching 30 kids in a classroom.  And if you can&#039;t teach reading and basic math, maybe you should look at your own education.

You&#039;re right, my kids will be in the &quot;special&quot; classes when they go back to regular school.  They&#039;ll be in the gifted and talented classes because they&#039;ve been able to learn at their own pace with  totally personalized instruction.

That said, I agree with Kate (#56).  Sarah could homeschool Joe for preschool, and they could save some money, but preschool is so much more than learning shapes and colors.]]></description>
		<content:encoded><![CDATA[<p>Wow, Kevin (#61), I sure hope you&#8217;re a troll, but that there&#8217;s some crazy talk.</p>
<p>Most parents are absolutely capable of homeschooling their children.  Temperament and desire are different issues, but ability?  No question.  Teaching your own child is much different than teaching 30 kids in a classroom.  And if you can&#8217;t teach reading and basic math, maybe you should look at your own education.</p>
<p>You&#8217;re right, my kids will be in the &#8220;special&#8221; classes when they go back to regular school.  They&#8217;ll be in the gifted and talented classes because they&#8217;ve been able to learn at their own pace with  totally personalized instruction.</p>
<p>That said, I agree with Kate (#56).  Sarah could homeschool Joe for preschool, and they could save some money, but preschool is so much more than learning shapes and colors.</p>
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		<title>By: Diana @ frontyardfoodie</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-865776</link>
		<dc:creator>Diana @ frontyardfoodie</dc:creator>
		<pubDate>Mon, 22 Feb 2010 14:17:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-865776</guid>
		<description><![CDATA[I think this is a wonderful idea. Where getting her job back may be risky it seems that again, since the dollar isn&#039;t ruling this decision getting it back right away wouldn&#039;t be as important. She loves teaching and is good at it, even if her job isn&#039;t there for her who knows what the economy will be like when then? It may be better!

Either way, staying home is going to be amazing for you both. I am currently pregnant and though we&#039;ll be very tight financially we decided that I would stay home when I have the baby. I&#039;ve never felt better about a situation than I do about this.]]></description>
		<content:encoded><![CDATA[<p>I think this is a wonderful idea. Where getting her job back may be risky it seems that again, since the dollar isn&#8217;t ruling this decision getting it back right away wouldn&#8217;t be as important. She loves teaching and is good at it, even if her job isn&#8217;t there for her who knows what the economy will be like when then? It may be better!</p>
<p>Either way, staying home is going to be amazing for you both. I am currently pregnant and though we&#8217;ll be very tight financially we decided that I would stay home when I have the baby. I&#8217;ve never felt better about a situation than I do about this.</p>
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		<title>By: Kevin</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-865759</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Mon, 22 Feb 2010 13:57:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-865759</guid>
		<description><![CDATA[I still surprises me how cavalier some people are about &quot;homeschooling&quot; their children.  How can someone with no early childhood education training seriously believe they are capable of teaching a child just as effectively as someone with an actual teaching education and credentials?  Do they really think that a teacher&#039;s job is so easy that anyone can simply decide to be a teacher, and then  - POOF! - they magically are?  Do they have any idea what kind of an intellectual handicap they&#039;re instilling on their own children?  Are they really so arrogant as to believe that they are the best person to educate children, with no training or experience whatsoever?  It&#039;s mind-boggling.

These are the kids that will be in the &quot;special&quot; classes when they finally do enter the mainstream educational system.  I pity the teachers whose jobs it will be to teach these kids all the things their well-meaning (yet under-equipped) parents neglected to teach them.  Not to mention the verbal abuse they&#039;ll suffer at the hands of the parents at the mere suggestion that their child not only isn&#039;t the one-of-a-kind super-genius the parent just KNOWS he is, but is in fact completely ignorant of major segments of a basic education.

If I had kids, I&#039;d leave the teaching to the professional teachers.]]></description>
		<content:encoded><![CDATA[<p>I still surprises me how cavalier some people are about &#8220;homeschooling&#8221; their children.  How can someone with no early childhood education training seriously believe they are capable of teaching a child just as effectively as someone with an actual teaching education and credentials?  Do they really think that a teacher&#8217;s job is so easy that anyone can simply decide to be a teacher, and then  &#8211; POOF! &#8211; they magically are?  Do they have any idea what kind of an intellectual handicap they&#8217;re instilling on their own children?  Are they really so arrogant as to believe that they are the best person to educate children, with no training or experience whatsoever?  It&#8217;s mind-boggling.</p>
<p>These are the kids that will be in the &#8220;special&#8221; classes when they finally do enter the mainstream educational system.  I pity the teachers whose jobs it will be to teach these kids all the things their well-meaning (yet under-equipped) parents neglected to teach them.  Not to mention the verbal abuse they&#8217;ll suffer at the hands of the parents at the mere suggestion that their child not only isn&#8217;t the one-of-a-kind super-genius the parent just KNOWS he is, but is in fact completely ignorant of major segments of a basic education.</p>
<p>If I had kids, I&#8217;d leave the teaching to the professional teachers.</p>
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		<title>By: Sharon</title>
		<link>http://www.thesimpledollar.com/2010/02/20/thinking-about-another-temporary-life-change/#comment-865477</link>
		<dc:creator>Sharon</dc:creator>
		<pubDate>Mon, 22 Feb 2010 02:59:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5022#comment-865477</guid>
		<description><![CDATA[Wow, I don&#039;t think people can read here.  I don&#039;t often feel so strongly about defending Trent but here goes...
Sarah is a TEACHER.  This is (or should be) a highly respected job.  I am guessing she either has her MA or on her way to earning one.  To imply that she should waitress in the evenings if she wants to work is a little insulting somehow.  If she wants to keep her hand in the professional field, she might look at working on that MA&#039;s or her PhD (which some teachers get as well).  Or she might look at just doing some mentoring of some of the new teachers esp. if they are going though the alternate route to certification.
Yes, Trent mis-spoke when he called maternity leave FMLA leave.  Every company has unique rules about parenting leave.  If their is a union involved, leave can be extensive.  I knew a social worker who had THREE years. It is in the contract that she must get her job back...  maybe the wording is &quot;a simalar postion&quot; in her contract.  Depending on the school district, even a similar position will be the same due to her certification and the fact that there is only one high school, although usually HS certs permit teaching in junior high.
I believe Sarah has tenure.  Trent has mentioned this before.  In order to &quot;let her go&quot;, the school district would have to prove gross negligence or abuse.  And let us not forget.  Sarah is a SCIENCE teacher.  The only way she would be in more demand is if she had her special education certification (which she might have...I don&#039;t know) or if she taught mathmatics (which she might also have a certification for as well).  For any on those three certs, special ed, science, or math, schools will offer all kinds of premiums and perks to get these teachers.  She has no danger in losing her job.  Even less being jobless.
Homeschooling?  I have seen it done well, and I have seen it done horribly.  Let them make their own choice.  I am sure Sarah has heard the word homeschooling at least once before....]]></description>
		<content:encoded><![CDATA[<p>Wow, I don&#8217;t think people can read here.  I don&#8217;t often feel so strongly about defending Trent but here goes&#8230;<br />
Sarah is a TEACHER.  This is (or should be) a highly respected job.  I am guessing she either has her MA or on her way to earning one.  To imply that she should waitress in the evenings if she wants to work is a little insulting somehow.  If she wants to keep her hand in the professional field, she might look at working on that MA&#8217;s or her PhD (which some teachers get as well).  Or she might look at just doing some mentoring of some of the new teachers esp. if they are going though the alternate route to certification.<br />
Yes, Trent mis-spoke when he called maternity leave FMLA leave.  Every company has unique rules about parenting leave.  If their is a union involved, leave can be extensive.  I knew a social worker who had THREE years. It is in the contract that she must get her job back&#8230;  maybe the wording is &#8220;a simalar postion&#8221; in her contract.  Depending on the school district, even a similar position will be the same due to her certification and the fact that there is only one high school, although usually HS certs permit teaching in junior high.<br />
I believe Sarah has tenure.  Trent has mentioned this before.  In order to &#8220;let her go&#8221;, the school district would have to prove gross negligence or abuse.  And let us not forget.  Sarah is a SCIENCE teacher.  The only way she would be in more demand is if she had her special education certification (which she might have&#8230;I don&#8217;t know) or if she taught mathmatics (which she might also have a certification for as well).  For any on those three certs, special ed, science, or math, schools will offer all kinds of premiums and perks to get these teachers.  She has no danger in losing her job.  Even less being jobless.<br />
Homeschooling?  I have seen it done well, and I have seen it done horribly.  Let them make their own choice.  I am sure Sarah has heard the word homeschooling at least once before&#8230;.</p>
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