Quantcast

life


If you are a day late on a single payment with a credit card most of them have reserved the right to charge a late fee and/or change (i.e. increase your APR). What a lot of people don’t realize is that it does not hit your FICO unless you are 31 days late on a payment - then they notify the respective agencies (Experian, TransUnion, etc.). The thing that really boils my blood is the egregious practices they have with these APR increases - particularly the ones our family have experienced in the recently.

We were a day late on a payment (the auto-pay was set to go on a Sunday, so it delayed to that Monday - thus making us late), so our APR bounced up to a whooping 31%! I know this is not an isolated case since there is a history of credit card companies having to answer to the Senate and Congress for such practices. It has me thinking I should cut up all my cards and transfer the amounts to some type of secured loan, like payday loans or the like of. Just think of the money to be saved by tearing up those cards!

As a parent it is easy to get lost amongst the day to day minutiae of child rearing. Buying the groceries. Driving the kids here and there. Doing the laundry, again. Buying more groceries. Driving to and from soccer practice - the list is seemingly endless.

Here’s a reminder for all of us (including myself) - don’t forget to squirrel away some money for the kid’s college years. Current financial sources have placed college tuition projections for kids graduating high school between 2011-2022 between $85,706 - $153,486 (based on average college expenses, and tuition for public college or universities with adjusted cost inflation rate of 6%)! By the way that means if you start saving for your newborn’s undergraduate degree right now (he/she enters college in 18 years or 2020) you will have to sack away $710 dollars a month for the next 18 years to cover their college experience!

For parents with teenagers prepping for SAT’s now the issue is all too pertinent. As you may be aware there are a number of online options available to you. One of the biggest scholarship programs out there is the Bill Gates foundation. It was initially funded in 1999 by a one billion dollar grant from the Bill & Melinda Gates Foundation.

Check out Scholarships.Com for a fresh listing of resources and scholarships. Their expansive college scholarship database is updated constantly, offers relevant and accurate scholarship & grant information.

conversation candy

Our wedding anniversary is coming up. It’s not on Valentine’s Day but it is close. Put it this way - we wanted to get married on Valentine’s Day but we didn’t want to get married on a Wednesday. I was just reminding myself of our upcoming anniversary on the drive to work this morning and remembering the freshness and spontaneity we had back then. We still have those things - I’ll just say it’s a bit different with a bunch of babies chasing you around.

Yes, being romantic when there is so much love and attention being directed at those little one, right? Yes, we will probably go somewhere great for dinner and so on and so forth but the bigger challenge for me is coming up with a way to celebrate our marriage all the time - to remember to be romantic this is the challenge when you constantly have splotches of food and other mysteriousness on your clothes and have been carrying around your youngest son’s soiled diaper for twenty minutes now.

I am not one to write poetry or play a song, that would be comical. It makes me remember all the half-baked things I did when coping with a break up in the past. Oh how I’ve evolved - thank god.

I’ve just decided to secretly celebrate the twelve days of our wedding anniversary as an advent of my love for my wife. I will do something special for my wife for the twelve days leading up to (and including our anniversary). Who knows, maybe it will become a habit.

meta-DAD banner

DULY NOTED:
When mothers are expecting babies they start finding out lists of baby girl names and baby boy names. They consider a baby layette. They want to buy crib bumper for their new born. They wish to buy a baby book for their baby boy. They plan to hire for nannies for baby sitting if they think they cannot manage their babies alone or if they can afford it.

tutored kids

Although the U.S. has no official language, English has long been the de facto national language but for any parent who has a working television set or has been to the Children’s Section of a bookstore in the last ten years knows that the influence of the Spanish Language on our kids, and our culture is undeniable.

My wife and I have had many conversations about this and it is important to both of us that our kids learn Spanish. Japanese and Chinese are also strong international business languages but the deciding factor is the fact that my wife’s heritage is Mexican.

I’m am interested in feedback on this subject. My question for you is what language(s) are you going to encourage your kids to learn and why?

“Love is the answer… but while you’re waiting for the answer, sex raises some pretty interesting questions.” ~ Woody Allen

Dadditude by Phil Lerman

I have had the special opportunity to interview Philip Lerman, author of the recently published book - Dadditude. When Phil, about to turn 50, quits his job as the producer of one of the longest-running network TV shows ever (America’s Most Wanted), he believes a lifetime of management experience will carry him through his new job of full-time fatherhood. He’s sure that his years of controlling a wild pack of roving producers have prepared him to conquer the world of one small boy in a Beatles haircut.

Lerman soon learns how easily a three-year-old can take that belief and stuff cheese balls in its ear.

By turns poignant and hilarious, Lerman’s journey from the control room to the playroom (and, ultimately, from obsessing about control to accepting the natural chaos of things) offers a lesson for the modern age: that somewhere between strict discipline and unconditional love, lies… Dadditude.

MD: What is Dadditude, in a nutshell for those who haven’t heard of the book?

PL: I think it’s all about Dads learning to find that middle ground between always being right (which, of course, we are) and going with the flow (which, of course, is not exactly our best thing, truth be told). Dads love consistency, but Dadditude’s about learning the Zen Riddle of parenting: That It’s OK to be consistent – just not all the time.

MD: Who is your target audience? Do you have one? If I was to venture a guess I would say by your “Every-Man” conversational tone it is probably for any and every guy out there and maybe more importantly every woman, since it is a wonderful meditation on all the funny neurotic and silly stuff that (I will speak of myself only here) we Dads think about.

PL: Actually, moms have been enjoying the book (and anytime you can make a mom happy, you know, you get karma points, so that’s a good thing). They tell me they’ve been reading sections to their husbands in bed. So I have now been officially inducted to the American Foreplay Society, an honor for which I am truly grateful.

Women, however, don’t get why there are so many asides about music and lyrics and movies and such. Guys like that a lot more. That’s a guy thing.

MD: I gotta ask, what does you wife think of the book?

PL: She likes it a lot, although she says I mention her boobs a few too many times. But hey, when you’re a guy talking about pregnancy, let’s be honest: there are certain side-effects that we are just crazy about.

MD: Fast-forward twenty years from now, what do you think your son, Max, will think of the book?

PL: I hope he thinks, wow, my dad was a funny guy, and a cool guy. But that’s what every man wants from his son. When they asked God about the bible and said hey, what do you think your son with think of the book in 20 years, he said basically the same thing. Not that I’m comparing myself to God, or anything. He’s much, much taller.

MD: By the way, I love the idea of Intermittent Reinforcement. Can you talk a little bit about this? How did you arrive at this? Was it something that came from managing “run-and-gun” productions on America’s Most Wanted for so many years?

PL: Just the opposite, actually. It all goes back to that question of consistency. As a manager in the workplace, you can be consistent – it’s expected, in fact. A run-and-gun operation like AMW requires almost military precision. If anyone sends a fax and doesn’t follow up with a phone call to confirm, you have to reprimand them about it, because one day the whole operation will stop because that fax didn’t go through. To be fair to a roomful of employees, you try to react to things as consistently as possible.

Parenting is the opposite. Dads WANT it to be about consistency – if I pick up the baby when she cries, she will learn that crying brings daddy to the room, so I must never do this — but moms know you have to pick your battles if you’re gonna get through the day. Remembering what we learned back in Psych 101 – that the rat learns more quickly through intermittent reinforcement – is the hardest thing for dads. We just have to keep reminding ourselves that kids are much more pliable, more flexible, than we think (although, in my experience, they’re really lousy at sending faxes).

MD: What would you say to younger guys thinking about having kids someday. What are some of the advantages and disadvantages of having kids later in life?

PL: People tell me, Phil, you’re too old to have a kid. You don’t have the stamina, you don’t have the strength, you don’t have the ability to pull an all-nighter anymore. Well, I’m here to tell you – they’re absolutely right.

But there are advantages to being an older dad, too. You tend to have more patience. You tend to crave going to the bar less, and being home more. Most importantly, you’ve either had kids before, or your friends have, and you know how astoundingly quickly it goes by. So you are more likely to spend time with your child now, rather than putting it off. So many of my friends who had kids at an earlier age say, you know, I wish I spent more time with them when they were little. I feel like I missed a lot. So, us older dads benefit from their testimony, and can pass it along.

Here’s the thing. When the days ahead of you are shorter than the days behind, you tend to appreciate each one a little more, to thank God for the blessing of being with your child, today, now. And so you put down the paper and get down on the rug and pick up a car and make the car noise, and fall blissfully into this moment, this perfect moment with your child, perfect just because you’re lucky enough to share it, and if there’s anything older dads can teach younger ones, it’s that: just Be Here Now. The rest will take care of itself.

Related Links:
Dadditude.Com
FOX & Friends | Interview With Phil Lerman

Soy Silk Goats

This seems to be the year for giving environmentally responsible gifts. There are a number of very cool very green gifts for the whole family at GreenIQ. Pictured above is one of the many recommended green gifts for kids, the Soy Silk Goats, plush animals made from fiber that is made from the residue of soybeans from tofu manufacturing. This process is 100-percent natural and free of any petrochemicals, making it an extremely environmentally friendly product.

Another feature of their site is a GreenIQ test you can take to discover the many ways you can reduce your personal impact on the environment.

GreenIQ- Reduce your Environmental Impact

Do your part to stop global warming with our online calculator that measures the pollution your lifestyle produces.

GreenIQ takes your transportation, home and lifestyle choices into account when measuring your environmental weight.

More than reduce, reuse, recycle; buy organic food, bamboo clothes and natural makeup to decrease your environmental footprint. Try our questionnaire calculate it.

Reduce your carbon emissions and environmental footprint now with these environmentally friendly products and services.

Easy tips to green your home, office, gym and travel, to make you more carbon efficient and environmentally friendly.

Celebrities like Mandy Moore and Pat Monahan are going green. Find out how hybrid cars, reusable bags, and yoga have made then score a high GreenIQ.

Our GreenIQ team of environmentalists, scientists, and eco experts define your carbon and environmental footprint and minimize your personal pollution.

Green Gift Guide
Spread some green holiday cheer with our Green Gift Guide. We’ve got gifts for everyone from divas to babies, techies to pets.

GreenIQ- How Green are You?

For each new morning with its light,
For rest and shelter of the night,
For health and food, for love and friends,
For everything Thy goodness sends.
~Ralph Waldo Emerson

« Previous PageNext Page »

My Blog Rating