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	<title>Comments on: Back-to-School: The Hidden Financial Bonus for Parents</title>
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	<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/</link>
	<description>Common sense advice on money saving tips, how to get out of debt, high interest savings accounts, cd rates, money market accounts, mortgage rates, money management and more.</description>
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		<title>By: Paula P.</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2984132</link>
		<dc:creator>Paula P.</dc:creator>
		<pubDate>Mon, 10 Sep 2012 16:28:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2984132</guid>
		<description>I work at the camp where my kids attend, so that offsets most costs for that month. However, I took off from a job to do that and they hired a summer intern. Summer is very hard with young kids if one usually works throughout the year. I can&#039;t afford more camp for when I still need to work, so they hang out in front of the tv for the hours I&#039;m gone because then I know they&#039;re not in the street unsupervised. :(</description>
		<content:encoded><![CDATA[<p>I work at the camp where my kids attend, so that offsets most costs for that month. However, I took off from a job to do that and they hired a summer intern. Summer is very hard with young kids if one usually works throughout the year. I can&#8217;t afford more camp for when I still need to work, so they hang out in front of the tv for the hours I&#8217;m gone because then I know they&#8217;re not in the street unsupervised. <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_sad.gif' alt=':(' class='wp-smiley' /> </p>
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		<title>By: Pauline</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2981042</link>
		<dc:creator>Pauline</dc:creator>
		<pubDate>Sat, 08 Sep 2012 21:03:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2981042</guid>
		<description>I know a group of families with similar age children who volunteer one week each to host summer camp. So during a week, the first family gets another 10 kids at their home, both parents are off work and taking the kids swimming and hiking. Then they go back to work and the neighbors take over.</description>
		<content:encoded><![CDATA[<p>I know a group of families with similar age children who volunteer one week each to host summer camp. So during a week, the first family gets another 10 kids at their home, both parents are off work and taking the kids swimming and hiking. Then they go back to work and the neighbors take over.</p>
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		<title>By: SAP</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2978652</link>
		<dc:creator>SAP</dc:creator>
		<pubDate>Fri, 07 Sep 2012 21:00:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2978652</guid>
		<description>Megan, I get that, but PB&amp;J is a terrible lunch to serve to a child anyway. Did you know that a peanut butter and sugar sandwich is healthier than the traditional with jelly? Anyway, my point is that while money is always on the mind, some parents can&#039;t wait to put their kids in crappy school with crappy food so they can get some alone time and save money. 

I pay a low $1300/mo on a nanny for my two toddlers. Imagining I&#039;d save that if I put them in public school is a great idea. But my main focus is that, generally speaking, public schools are not a good place for children if you want them to be nurtured and freely allowed to be creative, confident, bright children that we know they can be.</description>
		<content:encoded><![CDATA[<p>Megan, I get that, but PB&amp;J is a terrible lunch to serve to a child anyway. Did you know that a peanut butter and sugar sandwich is healthier than the traditional with jelly? Anyway, my point is that while money is always on the mind, some parents can&#8217;t wait to put their kids in crappy school with crappy food so they can get some alone time and save money. </p>
<p>I pay a low $1300/mo on a nanny for my two toddlers. Imagining I&#8217;d save that if I put them in public school is a great idea. But my main focus is that, generally speaking, public schools are not a good place for children if you want them to be nurtured and freely allowed to be creative, confident, bright children that we know they can be.</p>
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		<title>By: Voice of Reason</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2978532</link>
		<dc:creator>Voice of Reason</dc:creator>
		<pubDate>Fri, 07 Sep 2012 19:43:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2978532</guid>
		<description>You can complain about anything you want, but when you&#039;ve knowingly made a choice that you&#039;re now arguing that the taxpayer should help subsidise (in your previous post, which argues that schools should have longer hours for your convenience) don&#039;t expect the rest of us to get on board.

Edited to add: As someone who has no kids and never wants them, I don&#039;t begrudge my tax dollars going to pay for education, which I think is a need for the kids. It&#039;s a little much to ask that I also subsidize your childcare, which is a want in your case.</description>
		<content:encoded><![CDATA[<p>You can complain about anything you want, but when you&#8217;ve knowingly made a choice that you&#8217;re now arguing that the taxpayer should help subsidise (in your previous post, which argues that schools should have longer hours for your convenience) don&#8217;t expect the rest of us to get on board.</p>
<p>Edited to add: As someone who has no kids and never wants them, I don&#8217;t begrudge my tax dollars going to pay for education, which I think is a need for the kids. It&#8217;s a little much to ask that I also subsidize your childcare, which is a want in your case.</p>
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		<title>By: Voice of Reason</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2978512</link>
		<dc:creator>Voice of Reason</dc:creator>
		<pubDate>Fri, 07 Sep 2012 19:35:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2978512</guid>
		<description>I think it would be more realistic to suggest that people use protection than that they abstain.</description>
		<content:encoded><![CDATA[<p>I think it would be more realistic to suggest that people use protection than that they abstain.</p>
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		<title>By: Voice of Reason</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2978462</link>
		<dc:creator>Voice of Reason</dc:creator>
		<pubDate>Fri, 07 Sep 2012 19:13:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2978462</guid>
		<description>&quot;Right now, 40% of our population pays no taxes, and the top 10% pay nearly 90% of the taxes. The 40% is the same population that gets most of these services for free, and wants the top 10% to pay even more.&quot;

I believe the much-quoted figure is 47%, and it&#039;s not true to say that they &quot;pay no taxes&quot;. That number refers to federal income tax. People who fall into that bracket all pay sales taxes, and may also pay some combination of state taxes and local taxes. See: http://www.nytimes.com/2010/04/14/business/economy/14leonhardt.html 

Your 90% figure also seems inflated. Even what I&#039;ve read from those making the same argument that you do suggests that it&#039;s closer to 70%. See: http://www.usnews.com/debate-club/do-the-rich-pay-their-fair-share-in-taxes/claim-that-rich-dont-pay-enough-based-on-perception-not-fact and http://www.heritage.org/federalbudget/top10-percent-income-earners

Since the top 10% own around 75% of the wealth (see: http://www.usnews.com/opinion/blogs/economic-intelligence/2012/06/13/top-10-percent-is-hurting-less-after-recession-and-should-pay-more) I think it&#039;s fair to say that they are paying less than their fair share, even as a percentage of the wealth they control. 

It&#039;s also worth pointing out that wealthy people, particularly in classes such as business owners, get more use out of the facilities they pay for than many ordinary people. For example, should someone whose company vehicles use our roads thousands of times per day pay the same amount as the average family? They&#039;re certainly responsible for more wear and tear on them. Should a company like WalMart, which pays its employees so little that many of them are also on public assistance, effectively have its payrolls subsidised by teachers and firemen? Does the average family spend thousands of hours of taxpayer-funded court time each year fighting with its neighbors over, say, who &quot;owns&quot; the idea of a rectangle with rounded corners?

And don&#039;t even get me started on capital gains tax, tax loopholes for the rich, and the way that they are able to have laws written to benefit them by the politicians they are able to buy. As far as I&#039;m concerned, the rich get more - FAR more - out of this country than they pay in taxes.</description>
		<content:encoded><![CDATA[<p>&#8220;Right now, 40% of our population pays no taxes, and the top 10% pay nearly 90% of the taxes. The 40% is the same population that gets most of these services for free, and wants the top 10% to pay even more.&#8221;</p>
<p>I believe the much-quoted figure is 47%, and it&#8217;s not true to say that they &#8220;pay no taxes&#8221;. That number refers to federal income tax. People who fall into that bracket all pay sales taxes, and may also pay some combination of state taxes and local taxes. See: <a href="http://www.nytimes.com/2010/04/14/business/economy/14leonhardt.html" rel="nofollow">http://www.nytimes.com/2010/04/14/business/economy/14leonhardt.html</a> </p>
<p>Your 90% figure also seems inflated. Even what I&#8217;ve read from those making the same argument that you do suggests that it&#8217;s closer to 70%. See: <a href="http://www.usnews.com/debate-club/do-the-rich-pay-their-fair-share-in-taxes/claim-that-rich-dont-pay-enough-based-on-perception-not-fact" rel="nofollow">http://www.usnews.com/debate-club/do-the-rich-pay-their-fair-share-in-taxes/claim-that-rich-dont-pay-enough-based-on-perception-not-fact</a> and <a href="http://www.heritage.org/federalbudget/top10-percent-income-earners" rel="nofollow">http://www.heritage.org/federalbudget/top10-percent-income-earners</a></p>
<p>Since the top 10% own around 75% of the wealth (see: <a href="http://www.usnews.com/opinion/blogs/economic-intelligence/2012/06/13/top-10-percent-is-hurting-less-after-recession-and-should-pay-more)" rel="nofollow">http://www.usnews.com/opinion/blogs/economic-intelligence/2012/06/13/top-10-percent-is-hurting-less-after-recession-and-should-pay-more)</a> I think it&#8217;s fair to say that they are paying less than their fair share, even as a percentage of the wealth they control. </p>
<p>It&#8217;s also worth pointing out that wealthy people, particularly in classes such as business owners, get more use out of the facilities they pay for than many ordinary people. For example, should someone whose company vehicles use our roads thousands of times per day pay the same amount as the average family? They&#8217;re certainly responsible for more wear and tear on them. Should a company like WalMart, which pays its employees so little that many of them are also on public assistance, effectively have its payrolls subsidised by teachers and firemen? Does the average family spend thousands of hours of taxpayer-funded court time each year fighting with its neighbors over, say, who &#8220;owns&#8221; the idea of a rectangle with rounded corners?</p>
<p>And don&#8217;t even get me started on capital gains tax, tax loopholes for the rich, and the way that they are able to have laws written to benefit them by the politicians they are able to buy. As far as I&#8217;m concerned, the rich get more &#8211; FAR more &#8211; out of this country than they pay in taxes.</p>
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		<title>By: Voice of Reason</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2978392</link>
		<dc:creator>Voice of Reason</dc:creator>
		<pubDate>Fri, 07 Sep 2012 18:39:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2978392</guid>
		<description>Since all but the most clueless landlords will price their rent to cover expenses - including property tax - your suggestion is not that helpful.</description>
		<content:encoded><![CDATA[<p>Since all but the most clueless landlords will price their rent to cover expenses &#8211; including property tax &#8211; your suggestion is not that helpful.</p>
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		<title>By: Diana L</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2976302</link>
		<dc:creator>Diana L</dc:creator>
		<pubDate>Thu, 06 Sep 2012 20:52:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2976302</guid>
		<description>Now I&#039;m just curious is my family was an anomaly or if it was simply a custom of times gone by... 
Growing up I, and all of my friends, very quickly learned that uttering &quot;I&#039;m bored&quot; was a very dangerous thing to do within earshot of an adult.  It guaranteed you would be given some undesirable chore or task to do.
Did anyone else have this experience?
I have to admit it was very effective - I always found a way to kill the boredom for fear of more unwanted chores . . .</description>
		<content:encoded><![CDATA[<p>Now I&#8217;m just curious is my family was an anomaly or if it was simply a custom of times gone by&#8230;<br />
Growing up I, and all of my friends, very quickly learned that uttering &#8220;I&#8217;m bored&#8221; was a very dangerous thing to do within earshot of an adult.  It guaranteed you would be given some undesirable chore or task to do.<br />
Did anyone else have this experience?<br />
I have to admit it was very effective &#8211; I always found a way to kill the boredom for fear of more unwanted chores . . .</p>
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		<title>By: getagrip</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2975582</link>
		<dc:creator>getagrip</dc:creator>
		<pubDate>Thu, 06 Sep 2012 15:35:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2975582</guid>
		<description>While she helps contribute to the country, that is in the short term.  The long term future of any organization typically relies on the influx  of new members as old ones go elsewhere or die off.  Hence many organizations (government, corporate, religious) focus on providing energy, incentives, and breaks to those adding to the organizations percieved future.  

A single person can live very cheaply.  Your sister doesn&#039;t require a house with multiple rooms, multiple cars, many gadgets, etc.  She may want them and can afford them, but she really doesn&#039;t need them.  She may contribute greatly to society, but her contribution has an end date.  A family, which involves non-income producing but future necessary children, costs more and takes and requires more space and use of resources.  They provide a varied venue for capitalistic sales and activity by bringing in the need for new purchases, new demand, etc. and provide for ongoing contibutions to society beyond the parents demise.

So honestly, looking at the country as a whole, where should the tax breaks and incentives go?  To the asset that ends, or to the asset that provides for continuation not only of the primary organization but for the bulk of the structures upon which that organization is built?

On a personal level it may not seem fair and right (and I too dislike the AMT and some tax policies), but looking long term, it makes a fair amount of sense that people with kids get the greater benefits.</description>
		<content:encoded><![CDATA[<p>While she helps contribute to the country, that is in the short term.  The long term future of any organization typically relies on the influx  of new members as old ones go elsewhere or die off.  Hence many organizations (government, corporate, religious) focus on providing energy, incentives, and breaks to those adding to the organizations percieved future.  </p>
<p>A single person can live very cheaply.  Your sister doesn&#8217;t require a house with multiple rooms, multiple cars, many gadgets, etc.  She may want them and can afford them, but she really doesn&#8217;t need them.  She may contribute greatly to society, but her contribution has an end date.  A family, which involves non-income producing but future necessary children, costs more and takes and requires more space and use of resources.  They provide a varied venue for capitalistic sales and activity by bringing in the need for new purchases, new demand, etc. and provide for ongoing contibutions to society beyond the parents demise.</p>
<p>So honestly, looking at the country as a whole, where should the tax breaks and incentives go?  To the asset that ends, or to the asset that provides for continuation not only of the primary organization but for the bulk of the structures upon which that organization is built?</p>
<p>On a personal level it may not seem fair and right (and I too dislike the AMT and some tax policies), but looking long term, it makes a fair amount of sense that people with kids get the greater benefits.</p>
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		<title>By: Tom</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2974792</link>
		<dc:creator>Tom</dc:creator>
		<pubDate>Thu, 06 Sep 2012 05:29:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2974792</guid>
		<description>Besides the percentage of my federal taxes that go to education, I&#039;ve never had to pay for public school benefits.  I&#039;ve always rented.  If its such a burden for childless people, I would reccomend renting.  Buying a house is a choice, just as having a child is.  Good schools (funded by taxes) only increase your property value and attract future buyers anyway.  Childless people also benefit from public education just by the fact it keeps a significant portion of teenagers supervised during the day, and not competing for their jobs or causing trouble.

Also, I&#039;ve never seen the word gift used as a figure of speech in this context.  Just own up to poor word choice.</description>
		<content:encoded><![CDATA[<p>Besides the percentage of my federal taxes that go to education, I&#8217;ve never had to pay for public school benefits.  I&#8217;ve always rented.  If its such a burden for childless people, I would reccomend renting.  Buying a house is a choice, just as having a child is.  Good schools (funded by taxes) only increase your property value and attract future buyers anyway.  Childless people also benefit from public education just by the fact it keeps a significant portion of teenagers supervised during the day, and not competing for their jobs or causing trouble.</p>
<p>Also, I&#8217;ve never seen the word gift used as a figure of speech in this context.  Just own up to poor word choice.</p>
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		<title>By: Nicole</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2974662</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Thu, 06 Sep 2012 02:01:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2974662</guid>
		<description>http://nicoleandmaggie.wordpress.com/2011/10/24/marginal-tax-rates-why-they-make-sense/

If you make 10K, paying 10% in taxes, thus taking home 9K, hurts a lot more than if you make 100K and would be taking home 90K.  It&#039;s almost as easy to live on 90K as on 100K.  Going from 10K to 9K... that&#039;s really tough.

Adding to that, raising taxes on poverty level people-- even if you take ALL their money, isn&#039;t going to bring in much income.  The Daily Show had a good clip with the numbers.  But the bottom line is, you can&#039;t get blood from a stone.

Now, if everyone in the economy had a shot at the American dream, I dunno, perhaps by having access to high quality education and childcare, then those people in poverty would be better employees and thus would be making more money, the economy would be more productive, and we could get more tax money from those folks because they&#039;d be earning more.  Of course, the pie might be more evenly distributed at that point, which would hurt the 1% somehow.</description>
		<content:encoded><![CDATA[<p><a href="http://nicoleandmaggie.wordpress.com/2011/10/24/marginal-tax-rates-why-they-make-sense/" rel="nofollow">http://nicoleandmaggie.wordpress.com/2011/10/24/marginal-tax-rates-why-they-make-sense/</a></p>
<p>If you make 10K, paying 10% in taxes, thus taking home 9K, hurts a lot more than if you make 100K and would be taking home 90K.  It&#8217;s almost as easy to live on 90K as on 100K.  Going from 10K to 9K&#8230; that&#8217;s really tough.</p>
<p>Adding to that, raising taxes on poverty level people&#8211; even if you take ALL their money, isn&#8217;t going to bring in much income.  The Daily Show had a good clip with the numbers.  But the bottom line is, you can&#8217;t get blood from a stone.</p>
<p>Now, if everyone in the economy had a shot at the American dream, I dunno, perhaps by having access to high quality education and childcare, then those people in poverty would be better employees and thus would be making more money, the economy would be more productive, and we could get more tax money from those folks because they&#8217;d be earning more.  Of course, the pie might be more evenly distributed at that point, which would hurt the 1% somehow.</p>
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		<title>By: Julie</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2974472</link>
		<dc:creator>Julie</dc:creator>
		<pubDate>Wed, 05 Sep 2012 23:28:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2974472</guid>
		<description>Try cutting the salary and house in half and you end up with a total tax paid of over 40% on her total income.  She pays in excess of $20,000 and state income and property taxes each year, while the neighbors next door with a huge mortgage and a few kids might virtually nothing.  Yet the cost of educating their 3 kids is $24,000 per year. As a poster mentioned later, the cost of education is spread over the entire population, with people like my sister paying far more than than those who use the system.  To thank the government for educating our children is absurd, and even offensive.  People need to realize that that the US taxpayer is funding the cost of everything. But what would you expect to hear when you listen to NPR, the propaganda station for the government.</description>
		<content:encoded><![CDATA[<p>Try cutting the salary and house in half and you end up with a total tax paid of over 40% on her total income.  She pays in excess of $20,000 and state income and property taxes each year, while the neighbors next door with a huge mortgage and a few kids might virtually nothing.  Yet the cost of educating their 3 kids is $24,000 per year. As a poster mentioned later, the cost of education is spread over the entire population, with people like my sister paying far more than than those who use the system.  To thank the government for educating our children is absurd, and even offensive.  People need to realize that that the US taxpayer is funding the cost of everything. But what would you expect to hear when you listen to NPR, the propaganda station for the government.</p>
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		<title>By: Ellen K.</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2974432</link>
		<dc:creator>Ellen K.</dc:creator>
		<pubDate>Wed, 05 Sep 2012 23:09:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2974432</guid>
		<description>American high schools begin rather earlier than in Ontario. The (awesome) book &quot;Nurtureshock&quot; states that 85% of U.S. high schools begin by 8:15 and 35% begin by 7:30 am. This has nothing to do with the best hours for learning and everything to do with traffic, high school sports, and transportation costs. But these hours don&#039;t match a 35- or 40-hour work week, even with flextime, unless both parents have complete flextime, which is rare indeed.

Edited to add: U.S. elementary schools typically begin later than high schools, but usually before 8:30. At my daughters&#039; elementary school, the tardy bell rings at 7:55. The school year varies among regions. I&#039;ve always lived in the Midwest, where the school calendar is mid- to late August to late May; school only runs into June if there were a lot of snow days during the winter. On the East Coast, schools tend to start after Labor Day and end in late June.</description>
		<content:encoded><![CDATA[<p>American high schools begin rather earlier than in Ontario. The (awesome) book &#8220;Nurtureshock&#8221; states that 85% of U.S. high schools begin by 8:15 and 35% begin by 7:30 am. This has nothing to do with the best hours for learning and everything to do with traffic, high school sports, and transportation costs. But these hours don&#8217;t match a 35- or 40-hour work week, even with flextime, unless both parents have complete flextime, which is rare indeed.</p>
<p>Edited to add: U.S. elementary schools typically begin later than high schools, but usually before 8:30. At my daughters&#8217; elementary school, the tardy bell rings at 7:55. The school year varies among regions. I&#8217;ve always lived in the Midwest, where the school calendar is mid- to late August to late May; school only runs into June if there were a lot of snow days during the winter. On the East Coast, schools tend to start after Labor Day and end in late June.</p>
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		<title>By: CincyCat</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2974272</link>
		<dc:creator>CincyCat</dc:creator>
		<pubDate>Wed, 05 Sep 2012 20:19:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2974272</guid>
		<description>I was raised in the 70&#039;s and 80&#039;s by a very earthy SAHM, and I guarantee you that by the end of August, we had driven her so crazy that I&#039;m sure she would have cheerfully sold us to the nearest travelling carnival if the start of school hadn&#039;t rescued us every year... :)</description>
		<content:encoded><![CDATA[<p>I was raised in the 70&#8242;s and 80&#8242;s by a very earthy SAHM, and I guarantee you that by the end of August, we had driven her so crazy that I&#8217;m sure she would have cheerfully sold us to the nearest travelling carnival if the start of school hadn&#8217;t rescued us every year&#8230; <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: CincyCat</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2974222</link>
		<dc:creator>CincyCat</dc:creator>
		<pubDate>Wed, 05 Sep 2012 20:10:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2974222</guid>
		<description>There&#039;s the rub, Opus.

A lot of people in the US want to rob Peter to pay Paul for these services, instead of everyone paying their fair share of both fees AND taxes.  
I know I&#039;m opening a huge can of political worms, but the Libertarian in me won&#039;t keep quiet!  
Right now, 40% of our population pays no taxes, and the top 10% pay nearly 90% of the taxes.  The 40% is the same population that gets most of these services for free, and wants the top 10% to pay even more.  Of course, they&#039;re the same group of people who are going to continue to vote for politicians who promise to keep it this way.</description>
		<content:encoded><![CDATA[<p>There&#8217;s the rub, Opus.</p>
<p>A lot of people in the US want to rob Peter to pay Paul for these services, instead of everyone paying their fair share of both fees AND taxes.<br />
I know I&#8217;m opening a huge can of political worms, but the Libertarian in me won&#8217;t keep quiet!<br />
Right now, 40% of our population pays no taxes, and the top 10% pay nearly 90% of the taxes.  The 40% is the same population that gets most of these services for free, and wants the top 10% to pay even more.  Of course, they&#8217;re the same group of people who are going to continue to vote for politicians who promise to keep it this way.</p>
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		<title>By: CincyCat</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2974202</link>
		<dc:creator>CincyCat</dc:creator>
		<pubDate>Wed, 05 Sep 2012 20:05:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2974202</guid>
		<description>Our local public school started offering breakfast &amp; lunch during the summer for at-risk kids.  I don&#039;t remember a levy for it, so I think they must have received a grant.  I would have voted for it either way...</description>
		<content:encoded><![CDATA[<p>Our local public school started offering breakfast &amp; lunch during the summer for at-risk kids.  I don&#8217;t remember a levy for it, so I think they must have received a grant.  I would have voted for it either way&#8230;</p>
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		<title>By: CincyCat</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2974172</link>
		<dc:creator>CincyCat</dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:59:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2974172</guid>
		<description>In our case, extended day after school is a pre-contracted, fee-for-service, and is a bargain (I think...) at $130 per month/kid.  The kids get a healthy snack, plus two clubs per week + homework help.  This quarter, the clubs are creative arts (writing, painting, sculpture) and also culture club (Spanish language, traditions, native dress, etc).

The school day is usually 8:30 - 3:45 (around 7 hours), and extended day goes until 6:00, but parents can pick up any time after 5:15.  The extra 45 minutes is in case of traffic since many families work downtown, and the school is every bit of 35 minutes away, on a &quot;good&quot; day.</description>
		<content:encoded><![CDATA[<p>In our case, extended day after school is a pre-contracted, fee-for-service, and is a bargain (I think&#8230;) at $130 per month/kid.  The kids get a healthy snack, plus two clubs per week + homework help.  This quarter, the clubs are creative arts (writing, painting, sculpture) and also culture club (Spanish language, traditions, native dress, etc).</p>
<p>The school day is usually 8:30 &#8211; 3:45 (around 7 hours), and extended day goes until 6:00, but parents can pick up any time after 5:15.  The extra 45 minutes is in case of traffic since many families work downtown, and the school is every bit of 35 minutes away, on a &#8220;good&#8221; day.</p>
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		<title>By: CincyCat</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2974052</link>
		<dc:creator>CincyCat</dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:47:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2974052</guid>
		<description>What Juli said.

My kids were not &quot;raised by strangers&quot;.  The ladies who took care of them as infants &amp; toddlers (in a dreaded &quot;center&quot;) were wonderful.  Personally, I think they benefited from having been &quot;raised&quot; by women with decades of experience, and who have changed the diapers of literally 100s of kids.  Not only that, but they both had instant siblings their own age to play with every single day. 

And, I agree that these caregivers had tons of great advice to share, and loved our kids to pieces.  They still do!  It&#039;s been several years since my kids attended the center, and we still exchange cards &amp; pictures with one of the ladies who cared for them. 
 
They would not have had that experience staying with me all day and playing by themselves.</description>
		<content:encoded><![CDATA[<p>What Juli said.</p>
<p>My kids were not &#8220;raised by strangers&#8221;.  The ladies who took care of them as infants &amp; toddlers (in a dreaded &#8220;center&#8221;) were wonderful.  Personally, I think they benefited from having been &#8220;raised&#8221; by women with decades of experience, and who have changed the diapers of literally 100s of kids.  Not only that, but they both had instant siblings their own age to play with every single day. </p>
<p>And, I agree that these caregivers had tons of great advice to share, and loved our kids to pieces.  They still do!  It&#8217;s been several years since my kids attended the center, and we still exchange cards &amp; pictures with one of the ladies who cared for them. </p>
<p>They would not have had that experience staying with me all day and playing by themselves.</p>
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		<title>By: Jen2</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973912</link>
		<dc:creator>Jen2</dc:creator>
		<pubDate>Wed, 05 Sep 2012 18:45:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973912</guid>
		<description>Does the fact that I did plan out the expenses and can technically afford it and still decided that it was worth it mean that I am not allowed to complain about it costing so much for daycare?</description>
		<content:encoded><![CDATA[<p>Does the fact that I did plan out the expenses and can technically afford it and still decided that it was worth it mean that I am not allowed to complain about it costing so much for daycare?</p>
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		<title>By: Elizabeth</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973892</link>
		<dc:creator>Elizabeth</dc:creator>
		<pubDate>Wed, 05 Sep 2012 18:37:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973892</guid>
		<description>Cool! I could get behind that idea ;) The problem is convincing tax payers to fund it -- and to understand that courses like art, music and phys ed are important too.</description>
		<content:encoded><![CDATA[<p>Cool! I could get behind that idea <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' />  The problem is convincing tax payers to fund it &#8212; and to understand that courses like art, music and phys ed are important too.</p>
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		<title>By: Meredith</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973852</link>
		<dc:creator>Meredith</dc:creator>
		<pubDate>Wed, 05 Sep 2012 18:14:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973852</guid>
		<description>100% agreed.  Trust me, these are not strangers raising my kids when they are in school. In my personal experience, these are really stable wonderful trained adults who really love working with kids.  My kids adore(d) their daycare teachers and the friends they made in their classrooms.  As a parent, I even learned some better techniques in handling tantrums, discipline from them as well.  Daycare becomes an addition to the family.

I agree, the notion that we working parents who have our kids attend daycare are &quot;letting strangers raise our kids&quot; is very offensive. I am away from my kids from 8:30-5:30pm M-F but spend every other minute with them (with exception to the &quot;date night&quot; we try to do every other month).</description>
		<content:encoded><![CDATA[<p>100% agreed.  Trust me, these are not strangers raising my kids when they are in school. In my personal experience, these are really stable wonderful trained adults who really love working with kids.  My kids adore(d) their daycare teachers and the friends they made in their classrooms.  As a parent, I even learned some better techniques in handling tantrums, discipline from them as well.  Daycare becomes an addition to the family.</p>
<p>I agree, the notion that we working parents who have our kids attend daycare are &#8220;letting strangers raise our kids&#8221; is very offensive. I am away from my kids from 8:30-5:30pm M-F but spend every other minute with them (with exception to the &#8220;date night&#8221; we try to do every other month).</p>
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		<title>By: lmoot</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973822</link>
		<dc:creator>lmoot</dc:creator>
		<pubDate>Wed, 05 Sep 2012 18:00:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973822</guid>
		<description>There are many 9-5 type jobs that don&#039;t require special skills. But folks flock to them without thought because of the feeling of familiarity and expectation. That&#039;s what I&#039;m talking about being mindful that you should take the time to work towards a job or career that will fit in with your lifestyle instead of just looking at the pay and the traditional benefits.

And don&#039;t be afraid to change careers if yours no longer provides the same benefits. Many people change and go through careers.

Not to say some people don&#039;t like their jobs, and they might be very good at it, I say good for them. But thinking outside of the beige box is rarely a bad thing.</description>
		<content:encoded><![CDATA[<p>There are many 9-5 type jobs that don&#8217;t require special skills. But folks flock to them without thought because of the feeling of familiarity and expectation. That&#8217;s what I&#8217;m talking about being mindful that you should take the time to work towards a job or career that will fit in with your lifestyle instead of just looking at the pay and the traditional benefits.</p>
<p>And don&#8217;t be afraid to change careers if yours no longer provides the same benefits. Many people change and go through careers.</p>
<p>Not to say some people don&#8217;t like their jobs, and they might be very good at it, I say good for them. But thinking outside of the beige box is rarely a bad thing.</p>
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		<title>By: Jen2</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973812</link>
		<dc:creator>Jen2</dc:creator>
		<pubDate>Wed, 05 Sep 2012 17:55:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973812</guid>
		<description>I was not trying to imply that the education system is free childcare or that I want the government to raise my children.  

My point was that it will certainly seem like a financial windfall for us when my son is school aged, regardless of whether we are paying for private tuition because the costs of daycare (even part-time) are staggering.  

I have read that there are studies that show that children who are in school for more days per year and longer school days do better.  As a French Studies major in college I know that in France children go to school longer per day and for more days, depending on the age of the child.  For example, if kids are currently leaving school to go home and do 3-4 hours of homework each night, I do not see why some of that cannot be done on school grounds.

I understand that we would need to change how teachers are compensated.  Has anyone else here seen &quot;Waiting for Superman?&quot;  I was horrified to see that teachers in unions cannot be fired from their jobs even if they refuse to teach.  There are some bad apples in our education system, dragging down the whole field.  If you do a poor job, you should be fired.  Additionally, if one teacher is better than another, they should be compensated as such, not based on the number of years they have filled a seat.</description>
		<content:encoded><![CDATA[<p>I was not trying to imply that the education system is free childcare or that I want the government to raise my children.  </p>
<p>My point was that it will certainly seem like a financial windfall for us when my son is school aged, regardless of whether we are paying for private tuition because the costs of daycare (even part-time) are staggering.  </p>
<p>I have read that there are studies that show that children who are in school for more days per year and longer school days do better.  As a French Studies major in college I know that in France children go to school longer per day and for more days, depending on the age of the child.  For example, if kids are currently leaving school to go home and do 3-4 hours of homework each night, I do not see why some of that cannot be done on school grounds.</p>
<p>I understand that we would need to change how teachers are compensated.  Has anyone else here seen &#8220;Waiting for Superman?&#8221;  I was horrified to see that teachers in unions cannot be fired from their jobs even if they refuse to teach.  There are some bad apples in our education system, dragging down the whole field.  If you do a poor job, you should be fired.  Additionally, if one teacher is better than another, they should be compensated as such, not based on the number of years they have filled a seat.</p>
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		<title>By: lmoot</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973802</link>
		<dc:creator>lmoot</dc:creator>
		<pubDate>Wed, 05 Sep 2012 17:52:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973802</guid>
		<description>We&#039;ve never had to compete, period (at least not on this level). We&#039;ve shifted from a manufacture culture to a consumer culture. Our culture supports high consumerism and we are paid well, yet a majority of us still feel financial pressure. 

We work more because we want and consume and &quot;need&quot; more. Yeah, we&#039;re competing, with the Jones&#039;. No longer do we work for what we need, and few pleasures; add to the fact that we are a turnover society that is accustomed to replacing expensive items like cars and homes and electronics well before their time in our attempts to &quot;keep up&quot;.</description>
		<content:encoded><![CDATA[<p>We&#8217;ve never had to compete, period (at least not on this level). We&#8217;ve shifted from a manufacture culture to a consumer culture. Our culture supports high consumerism and we are paid well, yet a majority of us still feel financial pressure. </p>
<p>We work more because we want and consume and &#8220;need&#8221; more. Yeah, we&#8217;re competing, with the Jones&#8217;. No longer do we work for what we need, and few pleasures; add to the fact that we are a turnover society that is accustomed to replacing expensive items like cars and homes and electronics well before their time in our attempts to &#8220;keep up&#8221;.</p>
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		<title>By: Mike Collins</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973752</link>
		<dc:creator>Mike Collins</dc:creator>
		<pubDate>Wed, 05 Sep 2012 17:29:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973752</guid>
		<description>My wife was at home with the little ones so we didn&#039;t have to worry about camps or other expensive expenditures, though she would often take them out and do things which cost a bit here and there.  I do believe she is counting the minutes until the two oldest go back to school and she only has one rugrat to worry about during the day.</description>
		<content:encoded><![CDATA[<p>My wife was at home with the little ones so we didn&#8217;t have to worry about camps or other expensive expenditures, though she would often take them out and do things which cost a bit here and there.  I do believe she is counting the minutes until the two oldest go back to school and she only has one rugrat to worry about during the day.</p>
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		<title>By: Laura</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973722</link>
		<dc:creator>Laura</dc:creator>
		<pubDate>Wed, 05 Sep 2012 17:18:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973722</guid>
		<description>My son attends charter schools with 7-8 hour days.  The extra time is used for art and music, both of which aren&#039;t offered in the traditional public schools anymore (because they have to cram the basics into the 6-hour day and because funding was slashed), and for a structured study period each day where teachers assist students struggling with their homework.  The study period was at the end of the day and was optional for students doing well and mandatory for failing students.</description>
		<content:encoded><![CDATA[<p>My son attends charter schools with 7-8 hour days.  The extra time is used for art and music, both of which aren&#8217;t offered in the traditional public schools anymore (because they have to cram the basics into the 6-hour day and because funding was slashed), and for a structured study period each day where teachers assist students struggling with their homework.  The study period was at the end of the day and was optional for students doing well and mandatory for failing students.</p>
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		<title>By: Kevin</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973712</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Wed, 05 Sep 2012 17:17:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973712</guid>
		<description>&lt;i&gt;&quot;We never used to have to work this much before, is all I’m saying.&quot;&lt;/i&gt;

We also never had to compete with billions of people on the other side of the planet, willing to work for peanuts.

I wonder if there&#039;s a connection ...</description>
		<content:encoded><![CDATA[<p><i>&#8220;We never used to have to work this much before, is all I’m saying.&#8221;</i></p>
<p>We also never had to compete with billions of people on the other side of the planet, willing to work for peanuts.</p>
<p>I wonder if there&#8217;s a connection &#8230;</p>
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		<title>By: Kevin</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973702</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Wed, 05 Sep 2012 17:04:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973702</guid>
		<description>Why is it your employer&#039;s responsibility to ensure your hours are compatible with the family life you&#039;ve &lt;b&gt;chosen&lt;/b&gt; to construct for yourself?

Having children is a choice.  You know employers want reliable employees who can put in a full day of work.  So you choose which you value more.  But don&#039;t complain when life won&#039;t hand you both with a smile.</description>
		<content:encoded><![CDATA[<p>Why is it your employer&#8217;s responsibility to ensure your hours are compatible with the family life you&#8217;ve <b>chosen</b> to construct for yourself?</p>
<p>Having children is a choice.  You know employers want reliable employees who can put in a full day of work.  So you choose which you value more.  But don&#8217;t complain when life won&#8217;t hand you both with a smile.</p>
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		<title>By: Kevin</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973662</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Wed, 05 Sep 2012 16:56:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973662</guid>
		<description>&lt;i&gt;&quot;We’re getting a big gift from the government&quot;&lt;/i&gt;

I just want to point out, it&#039;s not a &quot;gift from the government,&quot; it&#039;s a gift from those taxpaying citizens without children.  If the cost of educating children were spread across only those with children, then there would be no savings, and it would be just as costly as if everyone were expected to educate their own children, which as you pointed out, would be a crippling expense to struggling families.

By spreading the cost over &lt;i&gt;everyone&lt;/i&gt; including those without children, it becomes affordable for you.  You get to educate your child for less than &quot;market cost,&quot; and we (child-free families) pay as though we had children to educate, even though we do not.

The government cannot redistribute money it has not already taken from someone else.  It does not make money up out of thin air - it collects it from citizens via taxation.  Thus, the money that subsidizes your child&#039;s education, making it affordable, was taken from someone else who chose not to have children.

I just want to make sure your gratitude is not misplaced.  If you wish to be thankful for affordable education for those with children, then your thanks should be to those paying into a system they will never use.</description>
		<content:encoded><![CDATA[<p><i>&#8220;We’re getting a big gift from the government&#8221;</i></p>
<p>I just want to point out, it&#8217;s not a &#8220;gift from the government,&#8221; it&#8217;s a gift from those taxpaying citizens without children.  If the cost of educating children were spread across only those with children, then there would be no savings, and it would be just as costly as if everyone were expected to educate their own children, which as you pointed out, would be a crippling expense to struggling families.</p>
<p>By spreading the cost over <i>everyone</i> including those without children, it becomes affordable for you.  You get to educate your child for less than &#8220;market cost,&#8221; and we (child-free families) pay as though we had children to educate, even though we do not.</p>
<p>The government cannot redistribute money it has not already taken from someone else.  It does not make money up out of thin air &#8211; it collects it from citizens via taxation.  Thus, the money that subsidizes your child&#8217;s education, making it affordable, was taken from someone else who chose not to have children.</p>
<p>I just want to make sure your gratitude is not misplaced.  If you wish to be thankful for affordable education for those with children, then your thanks should be to those paying into a system they will never use.</p>
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		<title>By: Meredith</title>
		<link>http://www.getrichslowly.org/blog/2012/09/04/back-to-school-the-hidden-financial-bonus-for-parents/comment-page-1/#comment-2973622</link>
		<dc:creator>Meredith</dc:creator>
		<pubDate>Wed, 05 Sep 2012 16:39:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=144532#comment-2973622</guid>
		<description>I am often times complaining (tongue in cheek) about how schools/daycare hate working parents.  As someone who works full time, there are an awful lot of &quot;early release&quot; days for both my 3 year old&#039;s private daycare and my 7 year old son&#039;s public elementary school.  For example, in my town the first day of school this year is tomorrow (9/6) but there was no camp available the last week of August and my daughter&#039;s daycare was closed that week too so my husband and I both had to divvy up the week, each taking 2.5 days off from work.  That was fine except then I had to find some arrangements for my son for this Tuesday and Wednesday since his school doesn&#039;t start up until tomorrow.

I am one of the lucky ones as I work for a company that lets me work from home when needed and offers flexible hours.  But, what of the people stuck in very strict work environments?

Anyway, in order for me to work full time, I have to pay the following:

Public school elementary child:  $340/mo for after care to cover his care from 2:30-5:30pm.  This is in addition to $250 2x/year for &quot;February and April vacation week camps.&quot;  Summer it is a YMCA camp that costs $400/week for 8 weeks.

Pre-school daycare child:  $1575/mo all year round.

I have no family to help.  This is just the cost of letting me work full time and be a mom.

I live in the Boston area and these prices are pretty standard here.</description>
		<content:encoded><![CDATA[<p>I am often times complaining (tongue in cheek) about how schools/daycare hate working parents.  As someone who works full time, there are an awful lot of &#8220;early release&#8221; days for both my 3 year old&#8217;s private daycare and my 7 year old son&#8217;s public elementary school.  For example, in my town the first day of school this year is tomorrow (9/6) but there was no camp available the last week of August and my daughter&#8217;s daycare was closed that week too so my husband and I both had to divvy up the week, each taking 2.5 days off from work.  That was fine except then I had to find some arrangements for my son for this Tuesday and Wednesday since his school doesn&#8217;t start up until tomorrow.</p>
<p>I am one of the lucky ones as I work for a company that lets me work from home when needed and offers flexible hours.  But, what of the people stuck in very strict work environments?</p>
<p>Anyway, in order for me to work full time, I have to pay the following:</p>
<p>Public school elementary child:  $340/mo for after care to cover his care from 2:30-5:30pm.  This is in addition to $250 2x/year for &#8220;February and April vacation week camps.&#8221;  Summer it is a YMCA camp that costs $400/week for 8 weeks.</p>
<p>Pre-school daycare child:  $1575/mo all year round.</p>
<p>I have no family to help.  This is just the cost of letting me work full time and be a mom.</p>
<p>I live in the Boston area and these prices are pretty standard here.</p>
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