I like that Carelton is there. I wondered what they do now that they've had over 25 years to recover from sending me every piece of mail in the known universe.
Ouch. I do not think I had quite internalized "small private schools cost $70k/year at rack rate".
Yikes. If your kid takes four years, that's like buying a new house twice.
The College Board has one too, though it asks more questions. One annoying thing this has in common with theirs: you need to go through every question for every college separately. I'd like to put in my numbers and see a list of estimates of upfront and loan costs for a number of schools at once.
Yeah, that was pretty silly. I assume they'll fix that eventually.
There are a bunch of other estimators, but the fact that this has just a few easy-to-answer questions is the huge difference.
That's interesting. I'd assumed that we were too UMC to qualify for any type of discount. But it looks like it will knock the price down from 70K a year to 40K. That changes the situation from "completely infeasible" to "this is going to hurt."
Its still going to take a state school to get into "yes, we can absorb that" territory.
International move. Good luck. Or break a leg. I can't remember which is considered appropriate.
10 Probably both as I remember it.
Apparently travel insurance can get really complicated though.
I've learned that people in a nursing home don't appreciate the irony of "Break a hip."
I'm not too worried about the move. Its the whole "finding a job" part that has me a bit more concerned.
Have you considered coal mining? Apparently, there are thousands of new jobs in that.
I'm reasonably un-guilt ridden about working for my university, because they've been pretty aggressive about keeping tuition growth under control. In-state tuition here is very doable for a non rich person. It gets more painful when room and board are added, but the cost of living is what it is. I think it would be about the same living off campus.
Have they tried toppling mountains into river valleys to check to be sure?
Even though we're lucky enough to have assets/income high enough that we get nothing (site says 2000 scholarship 2000 work-study on 66k net tuition) private is entirely impossible. Four kids, assuming inflation at current tuition growth rates (5%), is about $2M. I suppose we'll get some discount for the few years they overlap, I didn't put that in the calculator, but state schools are the only option.
I think the idea is you spend the assets on the first one and then the rest of them will qualify for loans.
Yes, I guess that's what will happen. Dynamic scoring!
The first one is usually the best one anyway.
The overlap discount is pretty substantial.
Or maybe hide all your money in the Cayman Islands?
23 suggests an optimisation strategy; find other parents with similar distributions of kids, and do some reciprocal adoption. That way you each end up with five or six kids, all the same age, and you get a tremendous overlap discount because they'll all overlap for their entire college careers. You can sort out who wants to keep which kids after they've all graduated, based on biological parentage or finals grades or whatever.
25 We need to appify*this stat and get SV VC funding.
*please kill me
I think reciprocal adoption would be tricky, legally speaking. You need to argue both that a given parent or couple isn't fit to raise the kids they had been raising and is fit to raise a different set of kids. What if the two judges compare notes?
It's far safer to just have all your kids as quick as possible. I can see now downside to that.
25. Better to have the app recommend optimal couplings when everyone is of childbearing age, or just recommend which sets of couples or of people should rent vacation houses together at what times.
Is 27 correct? If both the biological and adoptive parents consent to the adoption, can a judge really block it?
I mean, yes, presumably there is some sort of social services inspection to make sure that the adopting parents are fit to care for the kid, but there's no requirement to prove that the biological parents are unacceptably bad before you let them give up their kid. Is there?
They're children, not wives. You can have more than one but you can't swap them.
You can sort out who wants to keep which kids after they've all graduated, based on biological parentage or finals grades or whatever.
Isn't whole the point of having your kids graduate college so that you don't have to keep them any more?
Just because it takes years of near constant expense and effort doesn't mean it has a point.
You can sort out who wants to keep which kids after they've all graduated
By the time they've graduated they'll be legal adults and can live with whoever they want to or on their own if they prefer.
31. I am suggesting a better app to suggest who whould get together yes, swapping the kids after they're made seems much less intersting.
I'm standing on the sidewalk, waiting to video them lifting the house. Any moment.
David Copperfield does house calls now?
After lifting, drop the house on a witch, as is the custom in the plains.
Make sure to chant "Out demons! Out!" as they lift it.
If you're going to make a video, you should have one of your kids dressed up in Hogwart's robe, holding a wand, and saying "Wingardium Leviosa."
If it slowly and majestically falls apart during this process, does your insurance cover it?
It's covered unless you are praying during the process. If so, it's an Act of God and not subject to insurance claims.
Ogged is correct, one sibling drops it from 69k to 51k.
We'll have four years of that situation.
So current value is:
69*12
51*4
1032k
Average years until kids are 20 (yes that's bad math when compounding inflation, who cares): 12
1.05^12 = 1.8
Total cost: 1.85M
Ogged saved me 150k.
You should send him 10% of that as a commission.
We can just swap kids and split the 20% sibling overlap discount.
Swap daughters, split discount.
If your son has more student loans than his wife, her parents have paid a dowry. It's like Jane Austen, except it can also work in reverse so there's a bride price. Not that there haven't been societies where you paid a bride price, but I don't know of any where dowry and bride price were both options.
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Jesus fuck, Sidney Lumet knew how to make a movie. Before the Devil Knows You're Dead. Watch it.
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Semi on topic: is this whole article concern trolling?
https://www.brookings.edu/research/the-disinvestment-hypothesis-dont-blame-state-budget-cuts-for-rising-tuition-at-public-universities/
But the available research suggests that if state lawmakers increased appropriations for public colleges and universities, it would be unlikely to have an effect as large as advocates assume. More state funding appears to buy pennies on the dollar in lower tuition. That makes increasing appropriations for public colleges and universities an ineffective--even wasteful--policy for keeping tuition low. It also implies that grant aid might deliver more bang for the buck than larger state appropriations.
What might explain why appropriations have such weak effect on tuition? Again, the studies discussed above do not offer much explanation, but two theories come to mind: perhaps universities look to exploit their pricing power in the market leading them to raise tuition whether appropriations rise or fall; or maybe when faced with a reduction in state funding, universities cut spending instead of raising tuition dollar for dollar. Those are excellent theories for future research to test.
I would guess it's concern trolling. Certainly grants have the possibility of being more equitable than state schools where the rich and the poor are equally subsidized (and the rich have an easier time being admitted). But I'm guessing that research on university budgeting is complex and agenda-driven enough that you can get anything out of them you want depending on the definitions and time frames. For example, here you will see (slightly) increasing tuition happening on top of larger increases state appropriations. They are happening together because we now have a governor who doesn't hate us and education. Staff went three of four years without raises under the last governor and there were similar economies in other areas. The increased spending is just (gradually) undoing the damage of the cuts.
I'd also want to read the papers to be sure that "increased appropriation" doesn't count funds directed to be spent on things that could not possibly cut tuition, like sports facilities.
To be clear, I'd only want to read the papers before saying anything about it definitively. I don't want to read them.
36, 40: If you need any help raising a building and performing an exorcism, the Yippies can help you out.
I don't know if there are rules limiting legal adoption when there's nothing preventing the initial parent from raising the child, but unofficial adoption ("re-homing") is rife.
If it slowly and majestically falls apart during this process, does your insurance cover it?
IIRC it's JRoth's insurance that covers that.
Like Albert Speer and other architects, I'm pretty sure that he isn't responsible once you pull the structure off the foundation.
I've been wanting to jack up my house. Another four feet would create enough headroom underneath to get us a decent-sized enclosed basement.
The differences in zoning rule amuse me. Around here I can't imagine anyone being allowed to do anything like this, although they do let you pick up and move the house to an entirely new location that's higher. But my in-laws renovated a place nearby and actually had to pour concrete in the basement to reduce clearance so that the basement wasn't considered liveable floor area because the fooor area to lot size would have been too high. Keep in mind this is renovation so it's not like anyone outside could tell the difference between 8 feet and 7 feet ceilings in the basement.
Unless and until video merges I'm assuming Heebie was a witch and the contractor was onto her.
One foot of cement over a whole floor is a lot of cement.
If you make it two feet you can fill most of the volume with bodies.
I'm just saying, there's several thousand dollars plus a bunch of greenhouse emissions. You'd think there would be a better way, like maybe razor wire on the walls.
Our backup plan besides state schools is to get EU citizenship. Assuming that's still a thing in 10 years.
although they do let you pick up and move the house to an entirely new location that's higher.
Are American houses not built on foundations?
Americans live in covered wagons. Pioneers, you know.
They moved a small town near me because of a dam. I think they mostly bought out and destroyed buildings, but some they moved to new foundations a few miles away.
64: Not illicit bodies. Police and relatives use all kinds of fuel looking.
They moved a small town near me because of a dam.
Sounds like a lot of effort. Here, they just move the people and leave the town to take its chances. There's a reservoir near us with two villages and a stately home under it. They surface every fifteen years or so in a particularly dry summer.
But don't the people own houses and such that they expect to be compensated for?