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	<title>Comments on: Reader Mailbag: The Family Months</title>
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	<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Kai</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-964215</link>
		<dc:creator>Kai</dc:creator>
		<pubDate>Tue, 08 Nov 2011 19:09:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-964215</guid>
		<description><![CDATA[The point we are trying to make is not that kids shouldn&#039;t ever be bored, or that they don&#039;t need to learn to cope with boredom.

The point is that school shouldn&#039;t be a place where they are constantly bored and need to find things to do to occupy themselves.
School is supposed to be an engaging place to learn - not a drudging bore to sit through while thinking of other things.

Yes, many students can go through a boring 12 years in a mediocre school and go on to great things. But that same student in a challenging environment has a much better chance. Just because something *can* work isn&#039;t a reason to go with it if a much better opportunity exists.

I&#039;m not saying she should quit her job to cart the kid to the farther school, but that she should take a good look at the school, and if it seems like it really would offer the kid a lot more challenge and a lot more extracurricular opportunities, it would be worth trying to find ways to make it work.

Do you really think it&#039;s a great situation for a person to see schools as places where you are forced to go and sit, be bored, and try to occupy your brain by sneaking books under the desk?
I&#039;d much prefer school to be the place where you go to learn neat things.
You don&#039;t get that in a school with no challenge.]]></description>
		<content:encoded><![CDATA[<p>The point we are trying to make is not that kids shouldn&#8217;t ever be bored, or that they don&#8217;t need to learn to cope with boredom.</p>
<p>The point is that school shouldn&#8217;t be a place where they are constantly bored and need to find things to do to occupy themselves.<br />
School is supposed to be an engaging place to learn &#8211; not a drudging bore to sit through while thinking of other things.</p>
<p>Yes, many students can go through a boring 12 years in a mediocre school and go on to great things. But that same student in a challenging environment has a much better chance. Just because something *can* work isn&#8217;t a reason to go with it if a much better opportunity exists.</p>
<p>I&#8217;m not saying she should quit her job to cart the kid to the farther school, but that she should take a good look at the school, and if it seems like it really would offer the kid a lot more challenge and a lot more extracurricular opportunities, it would be worth trying to find ways to make it work.</p>
<p>Do you really think it&#8217;s a great situation for a person to see schools as places where you are forced to go and sit, be bored, and try to occupy your brain by sneaking books under the desk?<br />
I&#8217;d much prefer school to be the place where you go to learn neat things.<br />
You don&#8217;t get that in a school with no challenge.</p>
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		<title>By: Kate</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963778</link>
		<dc:creator>Kate</dc:creator>
		<pubDate>Sun, 06 Nov 2011 13:40:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963778</guid>
		<description><![CDATA[Unfortunately, SLCCOM, many people do not realize that the way our public schools are now rated is indeed based on performance on a test that is administered once a year.  In many states, charter schools students are required to meet the same expectations that a certain number of students will test Proficient (regardless of any disability they might have).  Charter schools in most states can deny admission to nonperforming students, unlike public schools, and they do it frequently to keep the test scores high and the dollars coming in.]]></description>
		<content:encoded><![CDATA[<p>Unfortunately, SLCCOM, many people do not realize that the way our public schools are now rated is indeed based on performance on a test that is administered once a year.  In many states, charter schools students are required to meet the same expectations that a certain number of students will test Proficient (regardless of any disability they might have).  Charter schools in most states can deny admission to nonperforming students, unlike public schools, and they do it frequently to keep the test scores high and the dollars coming in.</p>
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		<title>By: SLCCOM</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963763</link>
		<dc:creator>SLCCOM</dc:creator>
		<pubDate>Sun, 06 Nov 2011 05:06:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963763</guid>
		<description><![CDATA[The advantage to having a charter school require that the students test Proficient is that it forces the kids to put forth effort, or else leave the place to kids who will put forth the effort; I don&#039;t recall any kind of disruption in my life being sufficient excuse to fail at school. One bad morning? Come on! Feeling ill? 

The problem is &quot;yearly test.&quot; I bet that if a kid tests less than proficient, but is doing well otherwise, they are allowed to stay. Have you investigated that?]]></description>
		<content:encoded><![CDATA[<p>The advantage to having a charter school require that the students test Proficient is that it forces the kids to put forth effort, or else leave the place to kids who will put forth the effort; I don&#8217;t recall any kind of disruption in my life being sufficient excuse to fail at school. One bad morning? Come on! Feeling ill? </p>
<p>The problem is &#8220;yearly test.&#8221; I bet that if a kid tests less than proficient, but is doing well otherwise, they are allowed to stay. Have you investigated that?</p>
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		<title>By: Kate</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963659</link>
		<dc:creator>Kate</dc:creator>
		<pubDate>Sat, 05 Nov 2011 14:57:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963659</guid>
		<description><![CDATA[To add to the chatter about charter schools:  I would strongly suggest looking at the charter school&#039;s requirements for staying enrolled.  We have a charter school in our state that requires all students test Proficient on the yearly state test to remain enrolled.  It irks me that this school can even be ranked among the public schools in our state because of that. It would be truly horrible for the mom to quit her job and then her kid &quot;flunks&quot; out because of less than proficient performance on the yearly test--and that can happen quite easily if there has been any kind of disruption in the child&#039;s life, i.e. a death in the family, a bad morning, feeling ill...
To add to the chatter about boredom:  There is a perception that kids who are bored should be given some kind of activity to engage them.  This gives no responsibility to children to learn ways to combat boredom on their own.  I was often bored in school as a child and that is when I read widely.  My parents drilled into my head that I should take a book everywhere and it was good advice.  The only bad part was when I was at a particularly good point in a book and had to put it down. 
I have to say that boredom in fourth grade is quite common and often has nothing to do with how challenging a curriculum is...it has more to do with child development.]]></description>
		<content:encoded><![CDATA[<p>To add to the chatter about charter schools:  I would strongly suggest looking at the charter school&#8217;s requirements for staying enrolled.  We have a charter school in our state that requires all students test Proficient on the yearly state test to remain enrolled.  It irks me that this school can even be ranked among the public schools in our state because of that. It would be truly horrible for the mom to quit her job and then her kid &#8220;flunks&#8221; out because of less than proficient performance on the yearly test&#8211;and that can happen quite easily if there has been any kind of disruption in the child&#8217;s life, i.e. a death in the family, a bad morning, feeling ill&#8230;<br />
To add to the chatter about boredom:  There is a perception that kids who are bored should be given some kind of activity to engage them.  This gives no responsibility to children to learn ways to combat boredom on their own.  I was often bored in school as a child and that is when I read widely.  My parents drilled into my head that I should take a book everywhere and it was good advice.  The only bad part was when I was at a particularly good point in a book and had to put it down.<br />
I have to say that boredom in fourth grade is quite common and often has nothing to do with how challenging a curriculum is&#8230;it has more to do with child development.</p>
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		<title>By: Jayme</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963503</link>
		<dc:creator>Jayme</dc:creator>
		<pubDate>Fri, 04 Nov 2011 17:45:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963503</guid>
		<description><![CDATA[Q7: Seems that you want community without church of any kind.  Hard to do!  The biggest reasons (that I see) that churches are so good at community is:
1) They share a common belief structure
2) They interact regularly

I&#039;d look at finding something that has the two elements - that isn&#039;t a church. Some type of community center or service organization, maybe.]]></description>
		<content:encoded><![CDATA[<p>Q7: Seems that you want community without church of any kind.  Hard to do!  The biggest reasons (that I see) that churches are so good at community is:<br />
1) They share a common belief structure<br />
2) They interact regularly</p>
<p>I&#8217;d look at finding something that has the two elements &#8211; that isn&#8217;t a church. Some type of community center or service organization, maybe.</p>
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		<title>By: SLCCOM</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963501</link>
		<dc:creator>SLCCOM</dc:creator>
		<pubDate>Fri, 04 Nov 2011 17:41:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963501</guid>
		<description><![CDATA[#7: Check out the fraternal organizations. For instance, the assorted Masonic organizations require simply the belief in a Supreme Being. The advantages to becoming a Mason are many, including a world-wide network of Brothers, opportunities to participate in numerous related organizations with your spouse, and many other avenues to pursue an interest in more depth as a Shriner. The focus of the fraternal organizations is to be of service in various ways. Discussion of religion is specifically prohibited at Masonic meetings. Widows and orphans of Masons are looked after. 

My Dad and his family are long-time Masons, and my husband is a Mason and a Shriner (as was Dad); our lives have been enriched by knowing a network of men of significantly above-average integrity who are interested in working to make the world a better place. 

I think the most impressive thing for me was when I went off to live in New York City; before I left Colorado, Dad told me that if I ever found myself in trouble, find a Mason, tell him that I am the daughter of a Mason, and the Masons had an obligation to help me out (as long as it was not to their personal detriment) even though I was a stranger. Generally, Masons don&#039;t bother to ask if you are related to a Mason -- they just pitch in and do what they can for you. 

The idea of getting involved with your local community is a good one -- Masonic organizations provide that, and also a world-wide network, which the local PTA and Neighborhood Watch don&#039;t.]]></description>
		<content:encoded><![CDATA[<p>#7: Check out the fraternal organizations. For instance, the assorted Masonic organizations require simply the belief in a Supreme Being. The advantages to becoming a Mason are many, including a world-wide network of Brothers, opportunities to participate in numerous related organizations with your spouse, and many other avenues to pursue an interest in more depth as a Shriner. The focus of the fraternal organizations is to be of service in various ways. Discussion of religion is specifically prohibited at Masonic meetings. Widows and orphans of Masons are looked after. </p>
<p>My Dad and his family are long-time Masons, and my husband is a Mason and a Shriner (as was Dad); our lives have been enriched by knowing a network of men of significantly above-average integrity who are interested in working to make the world a better place. </p>
<p>I think the most impressive thing for me was when I went off to live in New York City; before I left Colorado, Dad told me that if I ever found myself in trouble, find a Mason, tell him that I am the daughter of a Mason, and the Masons had an obligation to help me out (as long as it was not to their personal detriment) even though I was a stranger. Generally, Masons don&#8217;t bother to ask if you are related to a Mason &#8212; they just pitch in and do what they can for you. </p>
<p>The idea of getting involved with your local community is a good one &#8212; Masonic organizations provide that, and also a world-wide network, which the local PTA and Neighborhood Watch don&#8217;t.</p>
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		<title>By: valleycat1</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963491</link>
		<dc:creator>valleycat1</dc:creator>
		<pubDate>Fri, 04 Nov 2011 16:33:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963491</guid>
		<description><![CDATA[Q5 - reading - I read several books a week, &amp; have a full-time job.  I have an e-reader, which makes it really easy to carry reading material when out &amp; about. I also check out a lot of books from the library.  I usually read during my breaks and lunch at work, plus an hour or more in the evenings &amp; even more on the weekends (more leisurely breakfast &amp; lunch, at a minimum.) I tend to pick up a book rather than going online, chatting on the phone, or watching TV.  I rarely read in bed, but do have a good reading nook with a comfy chair, bookshelf at hand, &amp; a good reading lamp.]]></description>
		<content:encoded><![CDATA[<p>Q5 &#8211; reading &#8211; I read several books a week, &amp; have a full-time job.  I have an e-reader, which makes it really easy to carry reading material when out &amp; about. I also check out a lot of books from the library.  I usually read during my breaks and lunch at work, plus an hour or more in the evenings &amp; even more on the weekends (more leisurely breakfast &amp; lunch, at a minimum.) I tend to pick up a book rather than going online, chatting on the phone, or watching TV.  I rarely read in bed, but do have a good reading nook with a comfy chair, bookshelf at hand, &amp; a good reading lamp.</p>
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		<title>By: Golfing Girl</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963469</link>
		<dc:creator>Golfing Girl</dc:creator>
		<pubDate>Fri, 04 Nov 2011 14:30:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963469</guid>
		<description><![CDATA[Q2:  I wholeheartedly agree with Mary in #42.  Max out the Roths--you would need to double what you are putting in now to do that ($416/mo in each).  If you weren&#039;t already contributing to another plan I would advise against this approach, but for you it makes sense.  Plus you&#039;ve already hit two key points.  They may not go to school or may get scholarships.  We primarily use our kids&#039; 529 plans to put money from grandparents for birthdays and such.]]></description>
		<content:encoded><![CDATA[<p>Q2:  I wholeheartedly agree with Mary in #42.  Max out the Roths&#8211;you would need to double what you are putting in now to do that ($416/mo in each).  If you weren&#8217;t already contributing to another plan I would advise against this approach, but for you it makes sense.  Plus you&#8217;ve already hit two key points.  They may not go to school or may get scholarships.  We primarily use our kids&#8217; 529 plans to put money from grandparents for birthdays and such.</p>
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		<title>By: Johanna</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963460</link>
		<dc:creator>Johanna</dc:creator>
		<pubDate>Fri, 04 Nov 2011 14:06:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963460</guid>
		<description><![CDATA[&quot;If a school is only offering these courses once every six days, the teachers for these areas are probably teaching 500+ student. They’re lucky to learn every student’s name in the first few months.&quot;

They may be teaching the same students year after year, though, so they don&#039;t really have to learn 500+ new names every year.

And really, if a child is showing any kind of passion for art, music, or sports, these are precisely the sorts of things for which an involved parent should be looking into enrichment activities outside of school.  Even the best elementary school music program is probably not going to be enough, by itself, for a child with true musical interest and talent.]]></description>
		<content:encoded><![CDATA[<p>&#8220;If a school is only offering these courses once every six days, the teachers for these areas are probably teaching 500+ student. They’re lucky to learn every student’s name in the first few months.&#8221;</p>
<p>They may be teaching the same students year after year, though, so they don&#8217;t really have to learn 500+ new names every year.</p>
<p>And really, if a child is showing any kind of passion for art, music, or sports, these are precisely the sorts of things for which an involved parent should be looking into enrichment activities outside of school.  Even the best elementary school music program is probably not going to be enough, by itself, for a child with true musical interest and talent.</p>
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		<title>By: Liz</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963445</link>
		<dc:creator>Liz</dc:creator>
		<pubDate>Fri, 04 Nov 2011 12:12:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963445</guid>
		<description><![CDATA[Q5, I have not read a book with my eyes in a few years. I get audiobooks (free) from the library here and listen to them as I can during the day. This way I can get my activities in and still learn something.]]></description>
		<content:encoded><![CDATA[<p>Q5, I have not read a book with my eyes in a few years. I get audiobooks (free) from the library here and listen to them as I can during the day. This way I can get my activities in and still learn something.</p>
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		<title>By: Brittany</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963377</link>
		<dc:creator>Brittany</dc:creator>
		<pubDate>Fri, 04 Nov 2011 03:47:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963377</guid>
		<description><![CDATA[Also, Annie, some areas have private bus companies. Houston has a vibrant charter and magnet school program, but transportation is not provided for the charters. Houston is huge (you can drive an hour on the freeway with no traffic and still be in the city, not even the suburbs), and going to a school many miles away is a huge challenge for families, especially economically disadvantaged families. However, there are also a lot of private bus (or van) services that are reasonably priced that serve kids going to charters. Paying for one may be more than the gas to drive yourself, but is surely less than quitting your full-time job.]]></description>
		<content:encoded><![CDATA[<p>Also, Annie, some areas have private bus companies. Houston has a vibrant charter and magnet school program, but transportation is not provided for the charters. Houston is huge (you can drive an hour on the freeway with no traffic and still be in the city, not even the suburbs), and going to a school many miles away is a huge challenge for families, especially economically disadvantaged families. However, there are also a lot of private bus (or van) services that are reasonably priced that serve kids going to charters. Paying for one may be more than the gas to drive yourself, but is surely less than quitting your full-time job.</p>
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		<title>By: Tyler</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963376</link>
		<dc:creator>Tyler</dc:creator>
		<pubDate>Fri, 04 Nov 2011 03:34:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963376</guid>
		<description><![CDATA[Art, music, and physical education are not tested.  As such, they do not show up when evaluating a school on test scores.  If a school is only offering these courses once every six days, the teachers for these areas are probably teaching 500+ student.  They&#039;re lucky to learn every student&#039;s name in the first few months.  Even the best teachers cannot accomplish much when they serve this many students.  This also goes for large class sizes and classroom teachers: the students at the bottom matter most and get the most attention because that&#039;s what the testing requires.  Figure out a way to get her unbored in the school she&#039;s in, or figure out how to get her into another situation.  If you don&#039;t, you risk losing her passion for learning, and that the worst of all the possible outcomes.]]></description>
		<content:encoded><![CDATA[<p>Art, music, and physical education are not tested.  As such, they do not show up when evaluating a school on test scores.  If a school is only offering these courses once every six days, the teachers for these areas are probably teaching 500+ student.  They&#8217;re lucky to learn every student&#8217;s name in the first few months.  Even the best teachers cannot accomplish much when they serve this many students.  This also goes for large class sizes and classroom teachers: the students at the bottom matter most and get the most attention because that&#8217;s what the testing requires.  Figure out a way to get her unbored in the school she&#8217;s in, or figure out how to get her into another situation.  If you don&#8217;t, you risk losing her passion for learning, and that the worst of all the possible outcomes.</p>
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		<title>By: EngineerMom</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963363</link>
		<dc:creator>EngineerMom</dc:creator>
		<pubDate>Fri, 04 Nov 2011 01:37:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963363</guid>
		<description><![CDATA[There is a LOT of discussion going on about Q1!

My two cents:

The one phrase that really concerned me: &quot;the school is unable to challenge her much, and she has already begun to find school boring.&quot;

Bored students are not interested in learning, and if she remains bored, she could eventually completely lose interest in school.  Why bother to try hard when just being a lump in class is enough to get an A?

It is true that extracurricular programs could help, but she spends the majority of her day in school.  Are a couple extra hours each week in after-school programs going to make that much of a difference?  Why not switch to a school were far less of her time is wasted and far more of her talents and skills are engaged?]]></description>
		<content:encoded><![CDATA[<p>There is a LOT of discussion going on about Q1!</p>
<p>My two cents:</p>
<p>The one phrase that really concerned me: &#8220;the school is unable to challenge her much, and she has already begun to find school boring.&#8221;</p>
<p>Bored students are not interested in learning, and if she remains bored, she could eventually completely lose interest in school.  Why bother to try hard when just being a lump in class is enough to get an A?</p>
<p>It is true that extracurricular programs could help, but she spends the majority of her day in school.  Are a couple extra hours each week in after-school programs going to make that much of a difference?  Why not switch to a school were far less of her time is wasted and far more of her talents and skills are engaged?</p>
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		<title>By: jim</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963350</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Thu, 03 Nov 2011 23:40:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963350</guid>
		<description><![CDATA[I meant that she does NOT need to quit her job cause the 9 year old is bored.]]></description>
		<content:encoded><![CDATA[<p>I meant that she does NOT need to quit her job cause the 9 year old is bored.</p>
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		<title>By: jim</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963349</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Thu, 03 Nov 2011 23:38:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963349</guid>
		<description><![CDATA[Katie,  

I&#039;m not disagreeing with those points.   Yes there are alternatives to making a nonperfect school work and someone needs to quit their job cause their 9 year old kid is a little bored.   Yes I know the schools are 20 miles apart.

But exactly how those 2 schools matter is pretty important and my point is that we don&#039;t know much about that.   I&#039;m not even assuming the charter school is better.

I think Annie should find and compare the state achievement scores for the schools.  
Are we talking 1-5% points difference or 50% points difference?]]></description>
		<content:encoded><![CDATA[<p>Katie,  </p>
<p>I&#8217;m not disagreeing with those points.   Yes there are alternatives to making a nonperfect school work and someone needs to quit their job cause their 9 year old kid is a little bored.   Yes I know the schools are 20 miles apart.</p>
<p>But exactly how those 2 schools matter is pretty important and my point is that we don&#8217;t know much about that.   I&#8217;m not even assuming the charter school is better.</p>
<p>I think Annie should find and compare the state achievement scores for the schools.<br />
Are we talking 1-5% points difference or 50% points difference?</p>
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		<title>By: Katie</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963346</link>
		<dc:creator>Katie</dc:creator>
		<pubDate>Thu, 03 Nov 2011 23:14:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963346</guid>
		<description><![CDATA[I don&#039;t think anyone is saying that, as between two similarly situated schools, the challenging/more resources school isn&#039;t the better one.  (At least, I&#039;m not).  But we&#039;re not talking about two similarly situated schools.  We&#039;re talking about one school that&#039;s right here and one school that&#039;s 20 miles away and will require mom to (probably) quit her job for the kid to attend.  And people are saying that there are ways to make non-perfect schools work when the alternative is hugely inconvenient and difficult for everyone in the family.  I don&#039;t think that&#039;s unreasonable.]]></description>
		<content:encoded><![CDATA[<p>I don&#8217;t think anyone is saying that, as between two similarly situated schools, the challenging/more resources school isn&#8217;t the better one.  (At least, I&#8217;m not).  But we&#8217;re not talking about two similarly situated schools.  We&#8217;re talking about one school that&#8217;s right here and one school that&#8217;s 20 miles away and will require mom to (probably) quit her job for the kid to attend.  And people are saying that there are ways to make non-perfect schools work when the alternative is hugely inconvenient and difficult for everyone in the family.  I don&#8217;t think that&#8217;s unreasonable.</p>
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		<title>By: jim</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963341</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Thu, 03 Nov 2011 22:48:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963341</guid>
		<description><![CDATA[Johanna &amp; Tracy,  Yeah I wasn&#039;t meaning to say that the comments are pointless.   I guess my point was that we are missing a lot of objective detail and specifics about the schools in question.  Maybe that public school really really sucks and maybe its not so bad.

I have some friends who were unhappy with their daughters elementary school cause their daughter was bored.   Their daughter is 5 years old and the school is in the top 10% in the state.   So Annie could be like that.  But maybe the current school is far worse and has problems with crime and signification drop out rate and totally fails any standardized test.  

We really don&#039;t know how good or bad the 2 schools are.]]></description>
		<content:encoded><![CDATA[<p>Johanna &amp; Tracy,  Yeah I wasn&#8217;t meaning to say that the comments are pointless.   I guess my point was that we are missing a lot of objective detail and specifics about the schools in question.  Maybe that public school really really sucks and maybe its not so bad.</p>
<p>I have some friends who were unhappy with their daughters elementary school cause their daughter was bored.   Their daughter is 5 years old and the school is in the top 10% in the state.   So Annie could be like that.  But maybe the current school is far worse and has problems with crime and signification drop out rate and totally fails any standardized test.  </p>
<p>We really don&#8217;t know how good or bad the 2 schools are.</p>
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		<title>By: Temi</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963337</link>
		<dc:creator>Temi</dc:creator>
		<pubDate>Thu, 03 Nov 2011 22:39:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963337</guid>
		<description><![CDATA[Q1 - Wow.  Interesting discussion.  I&#039;m guessing a lot of  highly intelligent people read this blog!  :)

@Kristine - Thank you.  I am proud and very happy for him.  We are from Oregon and, interestingly enough, his high school is a small charter school in a rural district without much resources.  Still, they are committed to imaginative learning and providing advanced classes for all their students, as well as art, music and physical education. We, too, had considered moving to get into a better school.  (Another idea for Annie?)  But were unable to sell our house.

@Johanna - I feel very strongly that a child shouldn&#039;t have to figure out how to entertain/challenge herself in school.  I guess we&#039;ll have to agree to disagree on that.  I am glad it worked for you and some of the others commentors here and that you were able to succeed so well.  However, there are many, many gifted people who are not able to do that and never achieve their full potential because of a system that is not designed to accomodate them. It makes me sad.]]></description>
		<content:encoded><![CDATA[<p>Q1 &#8211; Wow.  Interesting discussion.  I&#8217;m guessing a lot of  highly intelligent people read this blog!  :)</p>
<p>@Kristine &#8211; Thank you.  I am proud and very happy for him.  We are from Oregon and, interestingly enough, his high school is a small charter school in a rural district without much resources.  Still, they are committed to imaginative learning and providing advanced classes for all their students, as well as art, music and physical education. We, too, had considered moving to get into a better school.  (Another idea for Annie?)  But were unable to sell our house.</p>
<p>@Johanna &#8211; I feel very strongly that a child shouldn&#8217;t have to figure out how to entertain/challenge herself in school.  I guess we&#8217;ll have to agree to disagree on that.  I am glad it worked for you and some of the others commentors here and that you were able to succeed so well.  However, there are many, many gifted people who are not able to do that and never achieve their full potential because of a system that is not designed to accomodate them. It makes me sad.</p>
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		<title>By: mary w</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963330</link>
		<dc:creator>mary w</dc:creator>
		<pubDate>Thu, 03 Nov 2011 21:49:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963330</guid>
		<description><![CDATA[Q2.  In your case I would definitely fund a Roth rather than a 529.  You can put up to $16500 into TSP and still contribuate $10000 ($5000 each) to Roth IRAs.  As you know you can  take out the principle for any reason w/o tax or penalty so it&#039;s there if you need it for college.  If not you can use it for retirement.  Also I think that retirement savings doesn&#039;t count *against* you when applying for college financial aid.

I wouldn&#039;t fund a 525 for your children unless/until you are funding TSP and Roth&#039;s to the max.]]></description>
		<content:encoded><![CDATA[<p>Q2.  In your case I would definitely fund a Roth rather than a 529.  You can put up to $16500 into TSP and still contribuate $10000 ($5000 each) to Roth IRAs.  As you know you can  take out the principle for any reason w/o tax or penalty so it&#8217;s there if you need it for college.  If not you can use it for retirement.  Also I think that retirement savings doesn&#8217;t count *against* you when applying for college financial aid.</p>
<p>I wouldn&#8217;t fund a 525 for your children unless/until you are funding TSP and Roth&#8217;s to the max.</p>
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		<title>By: Izabelle</title>
		<link>http://www.thesimpledollar.com/2011/11/03/reader-mailbag-the-family-months/#comment-963316</link>
		<dc:creator>Izabelle</dc:creator>
		<pubDate>Thu, 03 Nov 2011 20:46:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=7847#comment-963316</guid>
		<description><![CDATA[I cannot agree with those who suggest that a 9 year old take more responsibilities or try to be challenged outside of school to compensate for unchallenging schooling. Here is why, from personal experience:

- Learning to cope with boredom is not as important as learning to put in a real effort, which can be lost on a gifted child for whom everything is easy. Learning to fail or even study hard because you have to (rather than as icing on the cake) is essential to success after school, in the &quot;real&quot; world.
- A child who finds school easy will still be tired after a long school day. Burdening her with a busy schedule can lead to exertion and rob her of precious play/fun time (there is so little of that these days!).
- Children who are given more responsibilities in class can have a much harder time fitting in – I know I did. I was branded as the teacher&#039;s pet, and the other kids were either jealous or could not relate to me. This makes having genuine friends that much harder. People resent others who make them feel stupid, and that kid in the corner who does twice better AND still has time to help others will do just that (!).

To summarize, I would have done anything to go to a more challenging school as a child. The only reason I couldn&#039;t is that my tiny town did not offer any option. God knows my parents tried...]]></description>
		<content:encoded><![CDATA[<p>I cannot agree with those who suggest that a 9 year old take more responsibilities or try to be challenged outside of school to compensate for unchallenging schooling. Here is why, from personal experience:</p>
<p>- Learning to cope with boredom is not as important as learning to put in a real effort, which can be lost on a gifted child for whom everything is easy. Learning to fail or even study hard because you have to (rather than as icing on the cake) is essential to success after school, in the &#8220;real&#8221; world.<br />
- A child who finds school easy will still be tired after a long school day. Burdening her with a busy schedule can lead to exertion and rob her of precious play/fun time (there is so little of that these days!).<br />
- Children who are given more responsibilities in class can have a much harder time fitting in – I know I did. I was branded as the teacher&#8217;s pet, and the other kids were either jealous or could not relate to me. This makes having genuine friends that much harder. People resent others who make them feel stupid, and that kid in the corner who does twice better AND still has time to help others will do just that (!).</p>
<p>To summarize, I would have done anything to go to a more challenging school as a child. The only reason I couldn&#8217;t is that my tiny town did not offer any option. God knows my parents tried&#8230;</p>
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