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  Santa Cruz Parent Santa Cruz, CA

March 19, 2015
College or ?

Today's College Degree: Still a Good Investment
College on Campus or Online for Your Children

Sheep to Shawl
Christine: Ladybugs
This Week
Fungus Foray
Today's College Degree: Still A Good Investment
Click to view our Business Directory
  College or ?

(ABC_Feb 2015) SpringIsHere.jpgIn Santa Cruz we gently move from a summer-like winter into a summer-like spring while much of the rest of the country desperately yearns for spring after a brutal winter. No complaining! How about taking a spring trip to Live Earth Farm's Sheep to Shawl event on Saturday.

Most of my life I thought "College, of course ...", but experience has shown me that there are many learning paths and multiple ways of achieving success.  We parents can help our children make choices that are right and best for them.  That does not necessarily include college.  Along my journeys I've met many self-educated people who chose to leave formal schooling, some as early as 6th grade, some after a year of college, even some who are illiterate but have wisdom gained from living with a literacy handicap. I've met many an entrepreneur whose business experience puts to shame the creds of an MBA.  I'm glad to have become less dogmatic about education, although I am still passionate about excellence in learning environments, be they in schools, colleges, at home or online.  All that said, if college is the likely path, parents would be wise to plan ahead.  We bring you two articles, each with a different approach.

We are actively making decisions about our new website.  Which of these parent websites, or parts of them, do you like and why? This one, This two, This three or This four?  Tell us please!

The Weekend   ~ Parenting Support  ~  Parks  Museums

Thank you for your interest in our newsletter and for sending many new families our way. Please, drop us a line anytime and recommend us to a friend

Have a great March weekend with family and friends, Parmalee

 

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  Today's College Degree: Still a Good Investment

Wealth Management Systems, Inc. Courtesy of: Focus 360 Group

(ABC_Feb 2015) CollegeMoneyCost.jpgAs the cost of a college education continues to soar and consistently outpaces the rate of inflation, many wonder if the value of higher education is overrated. But college graduates still enjoy a sizeable earnings advantage, better earning potential and greater job security.

Young people starting out in any industry can expect to face a difficult job market, particularly in today's economic environment. However, a recent study by the Pew Charitable Trust shows that following the last recession, college graduates fared far better than high school graduates, experiencing less unemployment and more stable salaries. While the study does not factor in the cost of attending college, it does indicate that although the job market is difficult for young people, a college degree can greatly enhance their outlook.1

Another study by the Lumina Foundation and Georgetown University reports that since the recovery began, the economy has added two million jobs for workers with a bachelor's degree, while nearly 6 million high school diploma-only jobs have been lost. Continued>>>>>

Article Written By: Wealth Management Systems, Inc. Courtesy of: Focus 360 Group; Gary Pezzi, Financial Advisor and Marc Arnett, Financial Advisor, Morgan Stanley, Santa Cruz. If you'd like to learn more, please contact Gary Pezzi at 831-440-5259 or Marc Arnett at 831-440-5218. Article by Wealth Management Systems, Inc. and provided courtesy of Morgan Stanley Financial Advisor.

  College on Campus or Online for Your Children

Here’s What Will Truly Change Higher Education: Online Degrees That Are Seen as Official

Three years ago, technology was going to transform higher education. What happened?

(ABC_Feb 2015) Moocs.jpgOver the course of a few months in early 2012, leading scientists from Harvard, Stanford and M.I.T. started three companies to provide Massive Open Online Courses, or MOOCs, to anyone in the world with an Internet connection. The courses were free. Millions of students signed up. Pundits called it a revolution.

But today, enrollment in traditional colleges remains robust, and undergraduates are paying higher tuition and taking out larger loans than ever before. Universities do not seem poised to join travel agents and video stores on the ash heap of history - at least, not yet.

The failure of MOOCs to disrupt higher education has nothing to do with the quality of the courses themselves, many of which are quite good and getting better. Colleges are holding technology at bay because the only thing MOOCs provide is access to world-class professors at an unbeatable price. What they don't offer are official college degrees, the kind that can get you a job. And that, it turns out, is mostly what college students are paying for.

Now information technology is poised to transform college degrees. When that happens, the economic foundations beneath the academy will truly begin to tremble. Read more >>>>

 

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  Sheep to Shawl

Live Earth Farm
Hands on demonstrations of every part of the process of making wool into clothing and art
Saturday, 3/21, 10am - 2pm
 

Sixth Annual Sheep to Shawl Event at Live Earth Farm

SONY DSC

On March 21, 10 am to 2pm at 1275 Green Valley Road in Watsonville, the Live Earth Farm Discovery Program's 6th annual Sheep to Shawl event, will feature hands-on stations demonstrating the entire progression of processing wool, local artisans sharing their wares, and vendors dishing up delicious, locally sourced food.

We will be exhibiting shearing, carding, spinning, dyeing, knitting/crocheting, felting, and weaving.

 

If you would still like to support the Live Earth Farm SONY DSCDiscovery Program, you can make a donation to our Spring Fund Drive that provides summer camp scholarships to low income and under served community members. These scholarships give young individuals the chance to explore, and discover how to be stewards of our land and community while learning to plant, harvest, and build a plate of real, mostly plant based food. If you are interested in supporting this opportunity please visit Live Earth Farm.

Location: 172 Litchfield Lane, Watsonville Map
Phone: (831) 763-2448 •website Watsonville

  Christine: Ladybugs

(ABC_Feb 2015) Ladybug.jpgLadybugs are my favorite insect. They are beautiful, colorful, and they don't sting. I like having a ladybug or two land on me for a rest. Farmers also love them. 

Ladybugs are also called lady beetles and ladybirds. They are a beetle.There are over 6000 species. There is quite a lot of disagreement about how to group these species, and there doesn't appear to be one accepted classification. The genetic studies disagree with each other about the species relationships.  Ladybugs can be found everywhere but Antarctica and the north polar regions. Although regions have their own native species, many other species have been introduced in many regions - especially by farmers.

The head and underside are generally black. The body can be everywhere from red to orange to yellow to metallic blue to white. Most species have some black markings such as spots on their body
. ...Read more>>>>>>

Chistine is a local mom and scientist who makes science easy to understand.  You can find her blog here

  This Week

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March

in the Parks

 

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School Corner

Santa Cruz Waldorf PreK-8, Mornings in the Kindergarten 3/21

 

Tara Redwood Pre - 6, Elementary School Morning Tour 4/7

 

Mount Madonna PreK-12, Campus Tour Day 4/15

 

Santa Cruz Montessori Pre-8, Open Visits M-F

(AA Camp 2015) OSE2015.jpg

 

CLUBS FOR KIDS!

 


Date Nights

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Junebugs Gym
2nd Saturdays
5:45 - 8:45

 

Ohana Gym
3rd Saturday
5:30 - 8:30pm

 

FREE

ACTIVITIES

 

Parenting is "thrilling, exhausting, hilarious, fun, frustrating, rewarding.... and requires constant vigilance..."

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Tune up Your Parenting Skills


March

Workshops for  Parents with Babies to Teens

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 Fungus Foray

Quail Hollow Ranch
When it rains, it spores! Fungus Foray!
3/21 10am - 1pm
Free

"When it rains, it spores." This is the best time of year to join the Fungus Federation of Santa Cruz on a quest for mushrooms along the Quail Hollow Ranch trails. Learn about fungus identification and the habitats that they enjoy followed by a picnic of cooked mushrooms. Group size is limited for this free event, and you must register in advance by calling the park
at 831-335-9348.

The fungus hunt will take place rain or shine so dress for the weather.


Location: 800 Quail Hollow Rd., Felton Map
Phone: (831) 335-9348 •website Felton

College or ?
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  College or ?
Date:
view all details >>
     
Davenport Jail Open for One Day!
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  Davenport Jail Open for One Day!
MAH
Date: 12/06/2015 from 11:00am to 4:00pm
Ages: All
Details: Hang out with some of the MAH's awesome historical docents in Santa Cruz County's smallest jail house with only two cells.
Special Instructions: Between Ocean and Davenport Streets on Cabrillo
City: Davenport Phone: 831.429.1964 view all details >>
     
Gymnastics Open Gym
click to view website
  Gymnastics Open Gym
Ohana Gymnastics
Date: Every Fri from 2:30pm to 5:30pm
Ages: 3-12
Details: Supervised Gymnastics Fun!
City: Santa Cruz Phone: (831) 713-5945 view all details >>
     
Four O'Clock Friday Yoga Classes for Kids and Adults!
click to view website
  Four O'Clock Friday Yoga Classes for Kids and Adults!
Luma Yoga and Family Center
Date: Every Fri from 4:00pm to 5:20pm
Ages: Kids (3 and up), Adults all ages
Details: Come enjoy Luma yoga classes for parents and children on Friday afternoon!
City: Santa Cruz Phone: (831) 325-2620 view all details >>
     
College or ?
click to view website
  College or ?
Date:
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College or ?
click to view website
  College or ?
Date:
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Animation, Technology, Robotics Classes for Kids
click to view website
  Animation, Technology, Robotics Classes for Kids
Learn to Discover
Date: Every weekday from 11:00am to 5:00pm
Ages: 4 - 18
Details: Animation, Technology & Robotics Classes for Kids
City: Capitola Phone: (831)662-9700 view all details >>
     
Family Game Night
click to view website
  Family Game Night
Discovery Learning Center
Date: Every Th at 6:30pm
Details: Family Game Night We're going to host a 6 week trial of Family Game
City: santa cruz Phone: (831) 531-7352 view all details >>
     
Spring Detox, Naturally!
click to view website
  Spring Detox, Naturally!
Pleasure Point Apothecary
Date: 03/26/2015 from 6:00pm to 8:00pm
Ages: adult
Details: Start on Your Path to Optimal Health Today!
City: Santa Cruz Phone: (831) 316-5086 view all details >>
     
College or ?
click to view website
  College or ?
Date:
view all details >>
     
     
  Today's College Degree: Still A Good Investment

...The results reported indicate that, following the recession, the divide between college-educated workers and those with a high school degree has never been greater. Statistics from the study reveal that the unemployment rate for college graduates is 4.5%, while those with a high school diploma are experiencing a 24% unemployment rate.2

A Long-Term Investment in Future Earning Potential

Determining the long-term earning potential of a college degree and the premium it generally offers over a high school diploma is a calculation that should take into account lost earnings while in college, the actual cost of college and debt repayment. Another Pew Research Center's study offers an analysis based on Census Bureau data, which estimates that an adult with a bachelor's degree will earn an average of $1.42 million over a 40-year career, while a high school graduate will earn $770,000. Once the cost of college and lost income is factored in, the study projects an average earnings premium of $550,000 for those with a college degree.3

A sizeable earnings premium coupled with a significantly lower unemployment rate for college graduates offers a strong case for the long-term benefits of a college degree. Additionally, the study indicates that individuals who have a college degree are more likely to receive substantial increases in salary and progress further in their chosen career compared with those who hold only a high school degree.

Tax-Wise College Saving Options

There are many savings vehicles available that can be used to help offset the spiraling cost of a college education and provide important tax benefits such as:

529 Savings Plans: Earnings on savings can be withdrawn tax free for qualified higher education expenses. Contributions can be made by anyone, including grandparents, other relatives or friends. Annual contribution limits may apply depending on the plan, with total contribution limits per child generally maxing out at $300,000.4

Coverdell Education Savings Account: Contributions of up to $2,000 per child per year can be made until the child reaches age 18. Distributions are withdrawn tax free for any qualified education expenses including private school and equipment such as computers beginning with grades K-12 and post-secondary. Eligibility is based on MAGI (modified adjusted gross income) not earned income so if the parent's income level is too high to qualify, a student can contribute to his or her own account.

Roth IRAs: Can be used to pay for qualified higher educational expenses (post-secondary) incurred by yourself, your spouse, your children or your grandchildren. Original contributions plus earnings can be withdrawn tax free and without penalty. If the funds are not needed for college expenses, the Roth assets can maintain tax-free growth potential for retirement.

It is important to note that some savings options can impact financial aid packages, while others will not. Please contact me if you would like to discuss your particular college savings needs and goals in greater detail.

1Source: Pew Charitable Trust Report, "The Rising Costs of Not Going to College," www.pewtrusts.org, February 11, 2014.

2Source: Georgetown University Center on Education and the Workforce, http://www.luminafoundation.org, August 15, 2012.

31Source: Pew Charitable Trust Report, "How Much Protection Does a College Degree Afford?" www.pewtrusts.org, January 8, 2013.4Source: www.savingforcollege.com.

Article Written By: Wealth Management Systems, Inc. Courtesy of: Focus 360 Group; Gary Pezzi, Financial Advisor and Marc Arnett, Financial Advisor, Morgan Stanley, Santa Cruz. If you'd like to learn more, please contact Gary Pezzi at 831-440-5259 or Marc Arnett at 831-440-5218. Article by Wealth Management Systems, Inc. and provided courtesy of Morgan Stanley Financial Advisor.

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