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monk17

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Everything posted by monk17

  1. Wow! Thank you for putting this together I will share this with my homeschool group.
  2. Thank you all for some great information! I especially like the tip about a child putting money into a ROTH IRA. I was wondering if anybody had confirmed that retirement accounts didn't count against your net assets under FAFSA? I had heard that the student is expected to contribute up to 25% per year of their savings yearly toward college and parents were expected to contribute 5% of their savings per year. Is that correct? Also, it appears that you can't start to fill out FAFSA for the 2017-2018 academic year yet. When do they typically open up the FAFSA application for the following year? Any help or comments would be greatly appreciated. Thank you!
  3. I was hoping someone could provide some advice on how the FAFSA application is evaluated? Is it better for the child to not have any assets? Are both the assets and the income of the parents evaluated for eligibility? How are they weighted? Thanks!
  4. Hello! My daughter soon to be 15 has completed 2 years of Florida Virtual School (FLVS) Spanish and I was getting ready to enroll her in FLVS Spanish 3. Much to my dismay they no longer offer Spanish 3 and it will be a couple of years until they replace it. I heard a few years back that K-12 was the content supplier for FLVS but I can't confirm that it's true. I'd like to keep her on the same path with Spanish and night try and shift toward a different sequence of subject matter. Failing that I'd look for a good Spanish three course. Does anyone have any insight into a good Spanish three course or knowledge of the FLVS and K-12 connection? Thank you!
  5. Thank you both! So if you had a compound sentence then the Object Pronoun rule would still apply? That is to function as a subject pronoun it has to be I, we, you, he, it, she, they ?
  6. My daughter and I were diagramming the following sentence: I declined answering Mrs. Dean's question, which struck me as something heterodox. S S The answer book said it is a compound sentence, but I'm wondering how the which function as a subject pronoun? Thanks! It's from Wuthering Heights.
  7. This article seems to fall under the category of here's a hypothesis, we should study it and test it to see if it's true. Several glaring errors occur that have been around since Brown vs the board of education. One of those is that some how having smart kids in a class room raises the standard for the rest of the class. This was at least part of the reason for desegregating schools, at least one that I remember. I'm not an expert in this area but it seems the best results for raising achievement gaps for under income children is intense schooling. No easy solutions for trying to educate a society where low income children are being raised in single parent homes and increasingly all children having at least one parent that is not there biological parent. The complaint about Homeschoolers taking there kids out of school and bankrupting the school system has some merit. It's a funding formula problem. Schools get federal dollars based on seats occupied. When you take homeschoolers out of the school, typically the student that require the least amount of resources and occupy the school with children that need the most help it is a financial strain on the school. The fix is not to force homeschoolers back to school but to fund the schools! That of course is the fix as I see it within the paradigm that our schools/society operate. I'm a liberal by todays standards, actually a moderate republican thirty years agao and homeschool!
  8. You home-schooled 7 children the CPA exam will be a snap! You know what they call the person who graduated last in there medical class? Doctor
  9. How many sections are there in the CPA exam? When I studied accounting it was the big 12, I think there down to 3 or 4 . Do you still have to have a year working under a CPA to be a CPA? On taxes it's amazing how the debate is on the one page that shows the tax rate tables and not the other 8,000 pages!
  10. Great explanation and web-link! It will help with our upcoming physics lessons. I think the TV commentator used velocity incorrectly, it seems the QB was changing the trajectory of the pass.
  11. Does anybody have a simple explanation for the difference between velocity and speed? I always thought velocity meant the speed and weight combined, now I've learned that's absolutely false. It sounds as if speed is the actual speed of an object, where velocity is the speed between two points. I heard an announcer on TV say that the quarterback changed the velocity of the thrown pass, sounded more like the trajectory to me. The question is more to help me with some science lessons, the quarterback comment was just an add-on. Thanks!
  12. I believe in Santa and so should anybody that wants the US economy to get going! We consumers make up 70% of the economy and we spend 70% at Christmas time!
  13. I've been elected to my daughters youth orchestra board of directors. Previously we were affiliated with the adult symphony orchestra in our town but have struck out on our own. We have a 156 children participating and a good group of volunteer parents. We do need some structural help with bylaws, committees etc. If you have some knowledge in that area or have a copy of your towns youth orchestra bylaws, business plan structure, I'd appreciate you contacting me or giving me a contact so that I might avoid re-inventing the tuba. Thanks so much! Mike
  14. All true not disputing, but an IOU is an IOU and the government must either raise taxes or cut somewhere else to at least the amount it borrowed from Social Security, when that is done SS is solvent. Lots of places to cut that aren't politically popular that have not been borrowed.
  15. How do you figure the program is broke? Current payments are used to pay current bills, last I saw it's solvent until 2037. IOU's are payable by the government. Long term solvvency is another problem, but we have them about fixed here on this board!
  16. You're probably right, I'm not sure how to implement allowances for physically challenging jobs. Kind of a problem that we are living longer but can't physically do what we use to do! My wife is an ARNP which lets her get into less demanding areas of nursing. I realize that's not an option for everyone, but maybe you could start to do case management or something not as physically demanding. Whoever says hard work never kiled anyone is wrong!
  17. Easy fix, raise the net worth requirement to the upper 15% of the population, very few people would sacrifice that type of wealth for SS payments. Right away you chipped 15% of the SS rolls. You can tweak this occasionally until you have the right number. The philosophy that you are quoting sounds very similar to the Laffer curve philosophy which has shown to be incorrect multiple times. I have my doubts significant numbers of people reduce there wealth so they can get SS or whatever the Brits call it. There will always be folks that game the system, the goal should be to reduce those who are gaming the system while not hurting those that truly have a need. But I'm willing to compromise with the upper 15% number.
  18. Random thoughts without reading the entire thread: Nobody pays into SS like a piggy bank, you're just paying for current payments. It should be paid on all income. SS has raised the elderly out of poverty. It's the tax everybody pays, so tired of hearing 46% of Americans pay no tax, unless your income is all capital gains! If you've made money consistently in the stock market you haven't been at it long enough! It should be means tested, see comment above about no piggy bank. It could be fixed by raising retirement to 67, means testing and raising the payroll tax to 200K or unlimited (really get gutsy and tie it to capital gains!
  19. I just reread it and loved it! I want to go visit whaling museums and take one of the whaling boats out and throw a harpoon! Well not actually hit the whale cause those guys from whale wars would be on me in a flash, but it did make me do research on whales.
  20. Thank you for writing such a thoughtful reply with evidence to back up your opinion and experience! I'm struggling with the same questions as the poster. Mike
  21. We used it this year and found it to be plenty "meaty". If you do all of the assignments and the vocabulary part I think the juice is worth the squeeze. They make no attempt to show how evolution fits into chemistry so I wouldn't go much beyond the forts series. The use of explaining the Latin roots we found to be very useful. I think the main problem we have with science is integrating what we learn into our daily lives and that's when you really retain and use it. The experiments aren't real gee whiz but we found that they did illustrate the point being made in the book. It's not cool volcanoes being blown up but it is educational and teaches a concept. You can always go through it in 9-10 weeks and start another.
  22. I notice Susan Wise Bauer doesn't have any grammar programs beyond 5th grade. Are there plans to develop curriculum for middle the logic stage and how soon will they be released? Also any recommendations by her for logic stage grammar and or writing? Beyond Shurley or Rod and Staff. Thanks!
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