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Everything posted by TarynB

  1. Sorry, Carrie, I didn't mean to quote you and now I can't get rid of it. To anyone interested, this handy-dandy tool provided by the IRS will answer dependent status questions: https://www.irs.gov/help/ita/whom-may-i-claim-as-a-dependent
  2. You're right, they do. I might be misremembering or it may have changed, but I think UTD's AES scholarship brings tuition down to in-state cost for OOS recipients, and covers fees as well, but does not cover any portion of housing - ? (Housing is almost half the total cost, IIRC.) Also, I believe UTD does NOT allow stacking of scholarships. I don't remember all the details bc DS would have gotten the NMF scholarship instead of the AES, but worth looking into for sure.
  3. All I know is that architecture is one of those fields that can really suffer when the economy has a downturn. Just anecdotally, we have a family friend who was a great student and got an architecture degree from a big name school. He doesn't work in architecture, however. He had to take a job running a non-profit after-school and summer program that gives golf lessons and life lessons to underprivileged kids. (He played golf in high school.) My cousin also got a degree in architecture and enjoyed it but ended up going back to school for training as a dental hygienist bc that gave her more ste
  4. Yes, UT-Dallas was one of DS's faves, def. a nerd vibe and heavy science focus, which he really liked. If you have a National Merit Finalist it's a great deal, probably $$$$ otherwise for out of state kids. Another one on DS's list was Purdue, for aerospace engineering, but he ended up not going that direction, so I don't know about their financial offerings or really much about it at all, at this point.
  5. I understand your point. But whether the suit is trumped up or not doesn't really matter. What matters is who wins in court. ETA: And I totally agree with you about the importance of umbrella policies. That's why I added some add'l points for others to consider. Not enough folks take advantage of them. 😊
  6. If there's a car wreck resulting in a life-changing injury requiring intensive or long-term medical care, or the death of a breadwinner, it isn't so far out of the realm of possibility to face a million dollar-plus lawsuit, esp. if fault is clear (it happens). In terms of health care costs, a million dollars isn't what it used to be, unfortunately. But I've been told anecdotally that if you have an umbrella policy for $1 million or more, your insurance company is much more likely to have their lawyers fight for your/their side, vs. them just paying out on a regular (small) auto policy and walk
  7. Our ped told us once that feet and hands grow first and then stop, then limbs, then trunk last. Observing DS's growth (he's 19 now), it seemed accurate IME, same with all my nieces and nephews. DS feet stopped growing by about age 14 or 14.5 I think, and yes, his feet stopped growing before the rest of him. Also, like PP, DS played lots of sports and we never saw the necessary equipment as gift-worthy, it was just part of being on the team/involved in the sport. (We don't give underwear or socks as gifts either, LOL. Those are just part of basic living requirements.) All the sports DS pla
  8. I can see that you're firm in your opinion, and also that you didn't bother to read the link I provided. As Dr. O wrote in the very first lines of the linked commentary, "Science, when done well, can be messy, imperfect, and slower than we wish. And it's ever-evolving." Yes, he said things back in March, which you referred to above, that he has since changed as more data has become available. As have many others. He's data-driven. If you want to have the last word, that's fine, and I don't care either way about your position, so I'm bowing out now, but what you've quoted from March is ou
  9. Here's a link to a commentary Osterholm wrote approx a month ago about what he's actually said (and not said) about masks. Ironically, his position has been mischaracterized by folks on both sides. And so he's come out with a stronger message so hopefully his position is more clear to everyone. He works hard to avoid political issues, which makes some people dislike him, but like him or not, he genuinely appears to be data-driven. As to the reference above about the illustrative single mom with two kids who could be a person of color and shares an apartment with her elderly parents and ha
  10. Yeah, you should listen to the whole thing. Dr. Osterholm's point was that the virus is now so widespread in the US that we can't test (and contact trace) ourselves out of the pandemic. Because so many people aren't willing to change their behavior. And that all the arguing in the media about how many tests are available and all the different types of tests and which tests are accurate vs inaccurate is all a big waste of time. We and the media should be focusing instead on getting people to understand that changing their behavior is the key to controlling the spread. Testing alone won't get us
  11. At my son's school, the state flagship, enrollment figures haven't been published yet, but the unofficial word is this year's freshman class is the largest in several years and possibly has set a new all-time record. That surprises me. Their plan is to keep the campus open for at least some in-person classes. We'll see. (My son currently has 4 set to be in-person and 2 online. Classes start in 3 days.) Freshmen are required to live on-campus at this school. Overall dorm residency has dropped from approximately 6300 last year to approximately 4800 this year. Presumably many sophomores
  12. Well, not exactly. The driver is insured no matter what vehicle s/he is driving. S/he could even be driving a vehicle owned by someone else/not in the family, etc. The coverage still applies in the case of an accident no matter what vehicle s/he is driving. Coverage is on the driver.
  13. Insurance rates also vary with credit history. Bad credit or no credit can result in higher rates. Not saying I agree with it, but that is part of the game too. Insurance underwriters believe better credit/money management = lower risk driver. That's another reason why young people on their parents' policy can get lower rates versus being on their own policy. DS has had his own credit history starting at age 16 when he began driving and we added him as an authorized user on our credit cards (4 different banks, all did it the same).
  14. For liability-only coverage, or full coverage? For full coverage, yes, that is accurate. For liability-only, they are writing the policy on the driver, not the vehicle.
  15. FWIW, the type/age of car he's driving has little to nothing to do with the rate. Liability insurance is for him as a driver; he's not actually insuring the car if he doesn't have comprehensive/collision coverage. Liability coverage is exactly that - compensating someone else for property damage, medical bills, lost wages, etc. if DS is found to be at-fault in an accident. Liability does nothing to pay for your own car if you cause an accident, so driving a beater doesn't help with the insurance cost. In fact, driving a vehicle with more modern safety/collision avoidance features could help. A
  16. Exactly. I have serious doubts about it myself. She was just parroting to me the "company line" from College Board.
  17. The university my son is planning to attend announced this today regarding the fall 2020 semester: "After careful deliberation, our intention is to return to in-person educational operations . . . offering traditional instruction and residential life."
  18. I agree. And the AP exams this year are not going to have live webcam proctoring, right? At least that's my understanding. I wish they were.
  19. For those whose kids will be taking the exam, does this statement from the College Board concern you? If not, why not? https://apcoronavirusupdates.collegeboard.org/students/taking-ap-exams/security Bolding by me. My son is scheduled to take Calc AB. On the calculus exams especially, and conceivably in other subjects too, of course a student's answers will look like other students' answers. That's the nature of the subject; there's only one correct answer. My son would have a lot to lose (scholarship $) if he were to be accused of cheating, and there's no way to defend yourself an
  20. I emailed the AP test coordinator at our local high school, through which DS is signed up to take his AP exam. Now that the exam will be online, I asked her what the procedure and deadline is if DS decides to cancel his registration and not take the exam due to all the changes. She replied that her contact at College Board is encouraging test coordinators to NOT cancel any registrations, because "if you cancel, you can't change your mind and sign up again". She said if DS decides not to take the exam, he just needs to not log in to his College Board account on test day. That "no show" will tri
  21. I really hope you're right. I can't imagine a world where our future doctors and nurses and all other healthcare workers don't learn what they NEED to learn by getting a hands-on education. I also hope that many of your fellow educators take the same dedicated approach that you obviously do.
  22. OK, thanks for explaining. Might work for some majors, but not others (life science) - way too much ground has to be covered to make it all up at the end.
  23. I've been thinking about this. Are you saying colleges could have lab intensives in-person even if everything else is shut down and limited to online? If the virus is still a threat, it is still a threat. Even for in-person lab intensives. No way I'd accept that risk.
  24. Same here. My son has received similar offers from a couple of schools he had declined earlier.
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