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About Frances

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    Hive Mind Level 2 Worker: Nurse Bee

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  1. It’s my understanding it’s actually a positive because you have more credit relative to your balance. I usually pay off my cards every week, rather than every month, to keep the balances low.
  2. I think there are blogs that talk about the best ones in terms off how much the points are worth and the costs versus benefits. For me, I like the ease of having the majority of my financial stuff in one place. So we’ve used the US Bank Flex Perks Visa card for almost everything forever. It’s not airline specific and has no blackout dates. We added the Flex Perks Amex when there was a large points offer. Since we prefer to fly Delta when possible, we’ve also each individually done Delta Amex cards at different times when there have been mile promotions (currently 60k plus $50 credit, free companion ticket, and flying perks), but never keep them long enough to actually pay an annual fee. Some places don’t accept Amex, so I always time then when I know we will have some big charges that will quickly satisfy the spend requirements. I can’t remember the last time we actually paid for an airline ticket. We even flew to Europe on points. But we never stay in hotels in the US, so we only use the points for flights.
  3. I wonder if she could really focus on reading and listening/speaking in Spanish for the next two years and then use CLEP to exempt herself from the college requirement? In my experience, college language courses are often very heavy on reading and writing with less emphasis on the more important (to me) skills of speaking and understanding. Ideally, I would want to get the requirement out of the way now in the easiest way possible if it is going to be an extra struggle in college with dyslexia. My son had no issues with learning foreign languages, but I really cared most about him being able to speak and understand, followed by reading, with very little concern about whether or not he could write. So we followed a very non traditional approach with a heavy emphasis on verbal communication, and he had no difficulty scoring high enough on the CLEP exam to get credit for two years of college Spanish.
  4. We discussed doing this with our vet at our last well check. The problem for us that our dog has an exteremely sensitive stomach, so we’re concerned that using a few different types might not work well for her. Our vet also recommends the Tufts website.
  5. Is this how he usually acts about such things? It’s something I would have done for my spouse, but only because he prefers me to handle such things. For example, I just filled out new passport applications for both of us. But if he wanted to do it, I would be more than happy to have him do it. Does he not trust you to do it right?
  6. I also don’t think kids need to pay for their own cars to be responsible for them. I think irresponsible kids buy cars and irresponsible kids are given cars, just like responsible kids.
  7. I completely agree one size doesn’t fit all. But in other threads I don’t think people were saying it would be infantalizing if the law were changed to make people wait until 18 for a license. They are saying that the fact that more teens are waiting and parents are letting them wait is one of many examples of infantalizing teens. That sweeping generalization is what I disagree with. I think there are valid reasons teens are waiting and in general, it says nothing about their maturity, responsibility, or independence level. Just as I don’t believe getting a license at 16 says anything in general about those things.
  8. Exactly. As someone who was regularly criticized by other parents for giving my son too much freedom and responsibility (although at the same time he was being recognized by other adults for his maturity and given very adult responsibilities by them), I’m frequently puzzled by what actions some people view as infantalizing teens. Driver license at 18? Self-funded gap year doing challenging work in a completely new environment instead of going directly to college? Edited to add that when it comes to comparing across generations when kids get their driver’s license, we have to keep in mind that today a significantly higher percentage of the US population lives urban as opposed to rural.
  9. I’m absolutely fine with kids getting their driver’s license at 16 with the current restrictions many states impose. The only thing I disagree with is people making sweeping generalizations about teens who wait. Where I grew up, at 14 teens who lived rurally could get a special permit allowing them to drive alone or with siblings to and from school activities. The majority of these kids had been driving on farms from a young age. I don’t know if that is still allowed there, but it certainly made sense to me.
  10. I wasn’t making a sweeping generalization. I was simply sharing my antecdotal experience in my small corner of the world. I think kids can be responsible,mature, and not infantilized whether they get a license at 16, 18, or older and whether they buy their own car or the parent’s purchase one and whether they always or never walk,bike, or take public transportation.
  11. I understand it is different in different parts of the country. That’s why I disagree with people who make a sweeping generalization about it being infantilizing when teens wait until 18. Although as I noted above, it was interesting to me observing my son’s friends and acquaintances, all of whom could readily bike, walk, or use public transportation. Those who waited until 18 were the same ones getting themselves places regularly at much younger ages than those who got a license at 16. And in general, the ones getting a license at 16 were also the ones being given cars by their parents, rather than buying their own.
  12. I was agreeing with the countries that make teen wait until they are 18 to drive alone. I was also referring to comments on other threads where some posters think teens who wait until they are 18 to get a driver’s license are being infantilized. You don’t need a driver’s license to drive under adult supervision, only to drive alone. Every teen I’ve known who has waited did it for two primary reasons. First, they think it is better for the environment to walk, bike, or use public transportation. And second, they think it is a grave responsibility that should not be taken lightly. They are not being transported everywhere by parents and they are regularly practicing driving. Edited to add that in fact, all of the teens (now young adults) I know who waited until 18 for a driver’s license were the same kids who were getting themselves to most of their activities by walking, biking, or using public transportation by the time they were teens. It was primarily the ones who were being driven everywhere by parents who got their license at 16.
  13. A 3.5 after two semesters for engineering seems very harsh. I’m struggling to understand the reasoning behind such a requirement. For my son’s STEM major, a 3.5 in all classes required for the major was one of the requirements for graduating with honors in the major.
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