parents

It’s a finger, people. She held a finger up in the air for a second.

But that’s apparently enough to drive some of the “professionally perpetually outraged” to demand action, demand punishment, demand fines.

Because they can’t tolerate someone showing their finger to a camera during an otherwise wholesome family affair of men hitting, shoving, and shouting at one another while millions of drunk people cheer, boo, curse, and otherwise make spectacles of themselves while being cheered on by half-naked female cheerleaders.

Singer MIA flipped the bird while performing during the Super Bowl Halftime show. the media acted like this was somehow “news” and treated it like some sensational moment during the broadcast. and now some parents groups are offended and upset about it.

You know what is really going to make children more likely to notice, think about, and perhaps feel inclined to mimic the finger-showing? everyone flipping out about it and acting like it’s some hugely scandalous, rebellious act.

This constant display of faux outrage and offense infantilizes our society. We can’t withstand MIA showing her finger for a moment, but the barrage of despicable accusations, attacks, insults, and otherwise immature and unprofessional behavior of our politicians on display in debates or campaign advertising is acceptable? It’s just “dirty words” and fingers that threaten our delicate sensibilities?

It’s a professional sporting event, people, not a children’s puppet show. It’s kinda violent at times, kinda rough at times, and the crowd can get kinda tipsy, topless, and crude at times as well. We can’t conform all of our public spectacles and events around whether or not an innocent child’s ears might hear or their eyes might see a glimpse of something not specially sanitized to protect them from naughty words. especially not events like football with a stadium filled with typically worked-up fans.

Everyone Needs To Seriously Calm Down About MIA’s Halftime Gesture

It’s not easy being a parent but it’s not rocket science either. all you have to do as parents is plan, think and discuss what actions you will take before the situations occur. even a single parent can plan their actions ahead of time. the planning you do now will reap huge rewards in the years to come.

Let me give you 5 strategies to consider before becoming a parent.

1. Start Early

Start planning now, how you as parents are going to handle certain situations. Don’t wait till the baby arrives to start planning your discipline strategies. Don’t wait till your toddler is ready for school before discussing the type of education you desire for your child. but most important, don’t wait till your bundle of joy is a teenager to develop your guidelines for the teen years. Early planning will save you from many disappointments and heartaches.

2. be Consistent

As you begin to put your guidelines in to effect, you need to be consistent in your discipline applications and behavior expectations. if you or the other parent do not follow the same standards when enforcing the guidelines your child will use that against you. it is not uncommon for a child to drive a wedge between parents when parents do not agree on methods of punishment or reinforcement. So, discuss what your strategies will be and agree on your plan of action even before the baby arrives.

3. be Clear

Be very clear and direct in your communication with your child. your commands should be simple, specific and to the point. your child should not have to guess what you are trying to get them to do. after giving your child a command, have him repeat it back to you to verify that he understood. if your child didn’t understand, it’s your job to clarify it.

Likewise, it is your duty as parent to make sure your child knows your expectations. Let her know exactly what you expect in areas of social behavior, education and responsibilities. Don’t assume your child knows what you expect her to do in certain situations. You need to take the time to make your expectations known to avoid confusion and misunderstandings.

4. be Willing

You must be willing to be the parent. You must be willing to be hated. You must be willing to do what is right for your child not what is easy. You must be the adult. You cannot be your child’s buddy.

It will not be easy to say no to your child because you want to be liked. it is human nature to want others to like us but you must develop the courage to stand up to your child and do what is right. It’s not easy, but it’s necessary.

5. be an Example

You must realize that your children will be watching YOU They will learn many of their habits, beliefs and ideas from you and your actions. Take some time and examine your habits. Are your habits worth passing on to your children? Are your beliefs and ideas something you would want your children to copy?

It is your responsibility to prepare your child for life. Don’t leave your child’s success to chance. You must prepare, plan and take action to be a successful parent.

Every parent (to include me) has heard their kids say – with the incredible freedom of summer all around – I’m bored As a life and executive coach, I find that every summer I am asked by my clients who are parents to tell them what they should do to keep their kids active, engaged and not bored during the greatest three months of the year (for kids).

You know how it works. your children are excited about the upcoming summer as the school year comes to a close. Then, for the first week or so they are all fired up and balls of energy. Then, they run out of energy and things to do. and you hear, I’m bored, and What should I do? your summer has just turned ugly.

First of all, let me say that it is easy for kids to get bored during the summer because they have so much freedom. but childhood freedom often becomes the strongest of all chains; a slave master who uses mind-numbing boredom as punishment. My belief and study has shown that kids do not need unfettered freedom. Kids need structure in order to grow and feel fulfilled.

Here’s my simple 3-step process for eliminating your child’s boredom during the summer months.

Step 1
You should sit down with your kids before the school-is-out-for-the-summer season hits and write a list of their GOALS for the summer. Setting goals is the most important step you can take to keep your child from getting bored during the summer. ask your kid these questions (and have them write down the answers):
- What new sports do you want to learn?
- What new challenges do you want to tackle?
- What new books do you want to read?
- What new sights do you want to see?
- What new skills do you want to learn?
- What area(s) do you want to improve in?

Step 2
Next – using the goals as your guide, you and your kid(s) should write out a week-by-week schedule of summer activities for them. (I actually recommend you have the entire summer scheduled out day-by-day, but let me allow you to ease into this.)

Step 3
Then, follow the schedule.

My kids have not uttered the phrase, I’m bored, since I began this approach to their summers. they are too busy, engaged and happy to be bored and yours will be as well. and I know that your kids and mine will look back someday (as we parents do) and say how great this or that summer was because of what they did.

To help you get rolling, I am providing you (below) a list of 301 things that your kid can do during the summer. Many of these are low cost or no cost. This list makes sure that no kid need ever be bored.

The following list of 301 activities will help your kid, your family, and you take full advantage of the warm weather season and spark the creativity that makes summer the best time of the year your kid can look over the list and choose any activities they are interested in and get started. some of my suggested activities require parental permission, but most are suitable for your kids to complete on their own.

DARRYL MOBLEY’S 301 THINGS YOUR KID CAN DO DURING THE SUMMER

1Act in a play
2Adopt a pet
3Attend a concert
4Bake cookies
5Barbecue shrimp
6Become a model
7Become a photographer
8Become an expert cupcake, cookie or brownie baker. Give them a funky name and sell them. That’s how Wally ‘Famous Amos’ got started
9Become an expert on something. Choose a topic you interested in and study it a little everyday. by the end of the summer, you’ll be one of the leading experts
10Blow up balloons and give them to your friends and family
11Build a sandcastle
12Build a tree house
13Build an electric train model
14Build your own plane from a kit
15Buy a DVD projector and host a movie that you project on the side of your house at night
16Call a president of a large company and interview him/her about what they do
17Check out the stars with a telescope
18Clean up a nature trail
19Clean your room
20Climb a tree
21Collect sea shells from the seashore
22Cook something you’ve never cooked before
23Cook your breakfast on an outdoor fire
24Create a family photo album of summer activities
25Create a terrarium
26Create a treasure hunt
27Create a web site
28Create your own holiday – a Festivus-for-the-Rest-of-Us
29Create your own science club with friends
30Design a new clothing line
31Determine 10 goals you have for your life.
32Dig for fossils
33Do 25 jumping jacks each day
34Donate some of the toys and clothes you no longer use
35Draw a self-portrait
36E-mail a friend you haven’t spoken to in awhile.
37Email your question about life success and life’s challenges to Kids@CoachMobley.com . He’ll answer your question
38Enter a chili cooking contest (or host your own)
39Find a new favorite author or book
40Find a pen-pal
41Find the cheapest flight you can to a foreign country and go on a vacation
42Fly a kite
43Get a job as a lifeguard at the local pool
44Get a job or an internship.
45Get a ride on a paddle wheeler
46Get a summer job with a friend
47Get a temporary tattoo
48Get in better shape Exercise everyday
49Get in touch with a cousin you’ve never met
50Give your dog a bath.
51Go backpacking
52Go beachcombing for driftwood, shells and stones
53Go birdwatching
54Go boating
55Go bowling
56Go camping in a national park
57Go camping in your backyard
58Go camping on the beach
59Go canoeing
60Go deep sea diving
61Go explore caves
62Go fishing
63Go for a hike
64Go go-karting
65Go hunting
66Go on a boat ride
67Go on a glass-bottom boat ride
68Go on a hayride
69Go on a long bike ride
70Go on a rollercoaster ride
71Go on a walk and take pictures of trees, flowers, dogs, etc.
72Go out for lunch with one of your parents
73Go outside and find 20 different kinds of flowers
74Go paddle boating
75Go parachuting
76Go prospect for gold
77Go river rafting
78Go sailing
79Go swimming
80Go to a baseball game
81Go to a camp
82Go to a museum
83Go to a national park
84Go to a new restaurant
85Go to a party
86Go to a pre-season practice being held by your local pro team
87Go to a science camp
88Go to a Shakespeare festival
89Go to a waterslide park
90Go to an amusement park
91Go to an antiques show
92Go to an opera
93Go to the fair
94Go to the movies with friends
95Go to the movies with your siblings.
96Go to the playground and swing or play on the monkey bars
97Go to the top of the tallest building in the nearest big city
98Go to work with your parents and observe
99Go vegetarian for a week
100Go whale watching
101Go window-shopping at the most expensive stores with a friend
102Go without email for a day
103Go without TV for a day
104Hang a bird feeder
105Have a bonfire and roast marshmallows
106Have a bubblegum blowing contest
107Have a ‘classic movie’ night with friends
108Have a family game night
109Have a paper airplane contest
110Have a picnic
111Have a sleepover with your best friends
112Help an elderly person with house or yard work
113Hike to a waterfall
114Host a 24 hour soccer game for charity or just for fun
115Host a 5k race to benefit charity
116Host a dance and you be the DJ
117Host a real clambake
118Host a scavenger hunt in the neighborhood or with friends at a park
119Host a water balloon fight
120Host a yard sale
121Increase your vocabulary. Learn 5 new words each day from the dictionary
122Invent a new dance
123Invent your own board game
124Invite friends over and have a tea sandwich party
125Keep a journal of what you do during the Summer
126Learn a foreign language
127Learn a martial art
128Learn a new card game and play it a lot
129Learn about fireworks
130Learn CPR
131Learn how to be a comedian
132Learn how to make balloon animals
133Learn how to make crafts
134Learn how to make jewelry
135Learn how to make sushi
136Learn how to play chess
137Learn how to play the conga drums
138Learn how to play the guitar
139Learn how to rappel down mountains
140Learn how to refinish antique furniture
141Learn how to sail
142Learn how to sew
143Learn how to sew or knit
144Learn how to snorkel
145Learn how to swim
146Learn how to throw a boomerang
147Learn or teach a new sport with someone
148Learn origami
149Learn some new outdoor games
150Learn to how to paint
151Learn to windsurf
152Listen to a motivational audio program
153Look for sand dollars and shells at a beach
154Make a bird feeder
155Make a collage from magazine photos and words
156Make a delicious ice cream float
157Make a fire plan for your home
158Make a new kind of sandwich
159Make a scrapbook of everything you do this summer
160Make a scrapbook of your baby pictures.
161Make a smoothie so tasty it makes your toes curl
162Make a time capsule and bury it in your backyard
163Make an obstacle course in your back yard
164Make dinner for your family
165Make homemade fruit juice.
166Make homemade ice cream
167Make popsicles in your freezer.
168Make purses and sell them
169Make something from recyclables
170Make the world’s best root beer float.
171Open a savings account at your bank
172Organize a bike safety clinic
173Organize a scavenger hunt
174Paint your family
175Plan a trip to Disney World
176Plan the vacation you want to take next summer.
177Plant flowers in your yard.
178Play a computer game
179Play backgammon
180Play badminton
181Play croquet
182Play crossword puzzles
183Play in a summer sports league
184Play monopoly
185Play pool
186Play pool volleyball
187Play putt-putt golf
188Play soccer
189Play Twister
190Play volleyball
191Play Wii
192Play with the family pet
193Play with your siblings
194Produce and direct your own movie
195Put up a basketball hoop in your driveway
196Read 25 (or 50 or more) books this Summer
197Read a book about a famous super-achiever
198Read a book based on a movie you have seen
199Read a story to someone
200Read the newspaper (your favorite parts) everyday
201Recycle bottles and donate the money to a local charity
202Re-decorate your room
203Rent a bicycle-built-for-two and go for a ride with a friend or family member
204Rent a houseboat
205Research your family tree
206Ride a mechanical bull
207Ride a rollercoaster
208Ride every ride at the carnival
209Ride on a train
210Roast marshmallows
211Set up a lemonade stand
212Share your favorite DVD with a friend
213Shoot 100 free throws
214Show off your green thumb Buy some flower seeds and plant them in your own garden
215Sign up at your local library for their summer great books reading program
216Spend time with your grandparents
217Start a babysitting business
218Start a band
219Start a blog
220Start a business
221Start a collection of something you find interesting
222Start a diary and write in it everyday.
223Start a dog pooper-scooper business
224Start a dog-walking business
225Start a grocery shopping business
226Start a herb garden
227Start a lawn care business
228Start a magazine for kids your age
229Start a snow-removal business. (Send out flyers now so everyone remembers when the winter season comes)
230Start a tutoring business
231Start a yard cleaning business
232Start an errand running business
233Start an internet based business
234Start an investing club with your friends. Buy stock. Sell stock. Make money
235Start practicing to become an Olympic Athlete
236Start saving for a trip to Europe (or Canada, Hawaii, Alaska, Japan,.) next Summer
237Start your own soccer camp
238Stay at a Dude Ranch
239Stay in a hostel
240Stay up and watch the shows that air from midnight to 7am
241Study a school subject during the Summer
242Subscribe to a new magazine
243Swim with dolphins
244Swim with stingrays
245Take a boat ride
246Take a course on mountaineering
247Take a dance class
248Take a family vacations
249Take a first aid class
250Take a helicopter ride
251Take a jeep tour in the wilds of Arizona or New Mexico
252Take a math class
253Take a ride on a dinner train
254Take a singing class
255Take a trip in an RV
256Take a vacation on a cruise ship
257Take a walk and listen to the sounds of nature
258Take a yoga class
259Take an orienteering class
260Take flying lessons
261Take Pictures of interesting buildings, homes, birds, trees, waterways, cars, roads.
262Take up golfing
263Take up trampoline jumping
264Take your dog for a walk.
265Take your dog to dog-obedience school
266Tale a class on animation
267Teach your grandparents to use email
268Throw a cultural heritage party in your neighborhood
269Tie-Dye a t-shirt
270Track the moon phases
271Train for running your first marathon
272Try to break a Guinness Book of World Records record
273Use a compass or GPS to map your neighborhood
274Visit a farm
275Visit a National Park
276Visit a tourist spot near your city
277Visit every professional baseball or football stadium in the country
278Visit Mt. Rushmore
279Visit the aquarium
280Visit the desert
281Visit the Grand Canyon
282Visit the Great Wall of China
283Visit the Rocky Mountains
284Visit the zoo
285Visit Washington, DC
286Visit the U.S. service academies (West Point, Annapolis, Air Force Academy, Coast Guard Academy.)
287Volunteer at a local nursing home
288Watch a cricket match
289Watch a favorite TV show with your friends
290Write a book
291Write a comedy TV show
292Write a fairy tale
293Write a letter to your best friend
294Write a letter to your grandparents telling them how much you love them
295Write a list of the 10 most important questions you want to ask you grandparents. Then ask them the questions
296Write a list of the 10 most important questions you want to ask you parents. Then ask them the questions
297Write a play and get your friends to act it out
298Write a poem
299Write a song
300Write a speech on something you find interesting
301Write letters on airplane air-sickness bags and mail them to your friends

Summer Fun
My Goals Are.

1. ______________________________________
2. ______________________________________
3. ______________________________________
4. ______________________________________
5. ______________________________________
6. ______________________________________
7. ______________________________________
8. ______________________________________
9. ______________________________________
10. _____________________________________

2009 Darryl L. Mobley. All rights reserved. want to use This Article In your E-Zine, Magazine or Web Site? You can, as long as you include the entire article and the complete short blurb above with it.

Posted: November 29Updated: Today at 1:04 AM U.S. health officials worry about the potential for outbreaks of diseases that were all but stamped out.

ATLANTA — A rising number of parents in more than half of the United States are opting out of school shots for their kids. And in eight states, more than 1 in 20 public school kindergartners do not get all the vaccines required for attendance, an associated Press analysis found.

That has health officials worried about possible new outbreaks of diseases that were all but stamped out.

The AP analysis found more than half of the states have seen at least a slight rise in the rate of exemptions over the past five years. Most states with the highest exemption rates are in the West and Upper Midwest.

Alaska had the highest exemption rate in 2010-11, at nearly 9 percent. Colorado’s rate was 7 percent, Minnesota 6.5 percent, Vermont and Washington 6 percent, and Oregon, Michigan and Illinois were close behind.

It’s “really gotten much worse,” said Mary Selecky, secretary of health for Washington state.

Rules for exemptions vary by state and can include medical, religious or – in some states – philosophical reasons.

Parents’ reasons for skipping the shots vary. Some doubt that vaccines are essential. others fear that vaccines carry their own risks. And some find it easier to check a box opting out than to get the shots and required paperwork.

Still others are ambivalent, believing in older vaccines but questioning newer shots against, say, chickenpox.

The number of shots is also giving some parents pause. by the time most children are 6, they will have been stuck with a needle about two dozen times. the cumulative effect of all those shots has not been studied enough, some parents say.

“Many of the vaccines are unnecessary, and public health officials don’t honestly know” the effects of giving so many vaccines to such small children, said Jennifer Margulis, a mother of four and parenting writer in Ashland, Ore., a small liberal community with unusually high vaccination exemption rates.

But few serious problems have turned up over years of vaccinations, and several studies have shown no link between vaccines and autism, a theory from the 1990s that has been widely discredited.

Childhood vaccination rates remain high overall, at 90 percent or better for several vaccines, including those for polio, measles, hepatitis B and chickenpox. In many states, exemptions are filed for fewer than 1 percent of children entering school for the first time.

Health officials have not identified an exemption threshold that would likely lead to outbreaks. but they worry when some states have exemption rates climbing beyond 5 percent. the average state exemption rate has been estimated at less than half that.

Even more troubling are pockets in some states where exemption rates are much higher. In some rural counties in northeast Washington, for example, vaccination exemption rates in recent years have been as high as 50 percent.

“Vaccine refusers tend to cluster,” said Saad Omer, an Emory University epidemiologist.

Parents who let their kids skip some vaccines put others at risk, health officials say. Because no vaccine is completely effective, if an outbreak begins in an unvaccinated group of children, a vaccinated child may still be at some risk of getting sick.

Studies have found that measles has re-emerged in some communities with higher exemption rates.

And last year, California had more than 2,100 whooping cough cases, and 10 infants died. only one had received a first dose of vaccine.

While it seems unlikely that diseases such as polio and diphtheria could make a comeback in the United States, immunization expert Dr. Lance Rodewald says it’s not impossible.

“Polio can come back. China was polio-free for two decades, and just this year, they were infected from Pakistan. And there is a big outbreak of polio in China now. the same could happen here,” said Rodewald, of the federal Centers for Disease Control and Prevention.

He cited outbreaks of Hib, which can lead to meningitis, among the Amish, who don’t consistently vaccinate their children. Russia had a huge diphtheria outbreak in the early to mid-1990s, he said, because vaccine coverage declined.

Exemption seekers are often middle-class, college-educated white people, but there’s a mix of views. Exemption hot spots such as Sedona, Ariz., and rural northeast Washington have concentrations of parents who prefer alternative medicine and libertarians who fear giving government too much authority.

A national survey of roughly 750 parents, published last month in the journal Pediatrics, found that more than 1 in 10 parents said they refused or delayed shots, mainly because of safety concerns.

The dangers of vaccine-preventable diseases are less important than the possible harm from vaccines, many exemption-seeking parents conclude.

Some parent groups and others have pushed legislators to make exemptions easier or do away with vaccination requirements altogether. the number of states allowing philosophical exemptions grew from 15 to 20 in the last decade.

Some in public health are exasperated by the trend.

“every time we give them evidence (that vaccines are safe), they come back with a new hypothesis” for why vaccines could be dangerous, said University of Arizona researcher. Kacey Ernst.

The exemption increases have come during a time when the government has been raising its estimates of how many children have autism and related disorders. Some parents believe the growing roster of recommended shots must somehow be connected.

“I don’t understand how other people don’t see that these two things are related,” said Stacy Allan of Summit, N.J., who filed religious exemptions and stopped vaccinating her three children.

Several parents said that while they believe many health officials mean well, their distrust of the vaccine-making pharmaceutical industry only continues to grow.

“I wouldn’t be one to say I am absolutely certain these things are hurting our children,” said Michele Pereira, an Ashland mother of two girls who is a registered nurse and is married to an anesthesiologist. While her daughters have had some vaccinations, they have not had the full recommended schedule.

“there are enough questions out there that I don’t want to take the chance,” she said.

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Skipping childhood shots: A calculated risk?

Jobs Hiring at 15 and Up

by on November 27, 2011

The world has definitely changed. There are now jobs hiring at 15. they know that there is a demand for financial resources and responsible teenagers are on a look-out for jobs that will let them help their parents and at the same time fend for themselves financially.

There are so many ways for kids to make money. this is why there are so many jobs hiring at 15. As long as they are fit enough and they have the brains for their work, these businesses wouldn’t mind hiring minors.

An example of jobs hiring at 15 are handwriting jobs. If these teenagers have good handwriting, then they can use this skill and earn money for it. Calligraphy jobs may be rare but once you find a company that are looking for the skill that you have, make the most out of this. these companies sometimes need someone who can write fonts for wedding parties, birthday celebrations, and other events. they send out handwritten invitations as well as thank you notes. you can do this for them.

The average salary for this kind of work is $1 per project or maybe $8 for every hour worked. It depends on the understanding with the business. those who have the skills for handwriting jobs must invest in a calligraphy kit. he or she must also practice this skill so that he or she can get more clients over the course of time.

The important thing to remember here is that there are jobs hiring at 15 because there are already skills that can be used even at that early age, like calligraphy. you don’t need a resume to get the job. you just need the skill.

Jobs Hiring at 15 and Up

Life is about competition. We work our way to meet our goals. It is not an easy ride but it is something that we must do in order to progress. Everyday we go to school to be competitive in our future jobs. In our everyday jobs, we work our way to get a promotion and a salary raise. However, we do not do it alone. there will always be people who will take part in keeping us on track with our everyday challenges just to reach the end goal. sometimes, those people are whom we call our guardians, our parents, our counselors or even our life coach.

In sports, whether team or individual, there will always be one person or more to watch out for the team. of course, they do not act as a police patrol to keep reprimanding the team what not to do. However, they are there to discipline, train and keep the team on track with their goal to win the championship match in every league they join. one of the sports that have many coaches is football. a team full of big and tough men needs more than one person to handle them. However, there will be only one coach that manages the team overall and they are the head coaches.

Let us now look at the coaches of the LSU Tigers football team, who helped them win national championships.

1. Paul Dietzel- He led the team to win National Championships way back 1958. Coaching for this time was one of the best years he had. American Football Coaches Association and Football Writers Association of America named him National Coach of the Year at the time they won the National Championships. He loved the team so much and led them to become the number one in the country. He quoted, I never considered going anywhere else because I thought LSU was the best coaching job in America

2. Nick Saban- He was the head coach of the team from 2000-2004. He made history when he led the team to win their second National Championships in 2003.

3. Les Miles- He is the current head coach of the team. He has been helping the team to perform at their best whether it is nationals or just SEC championships. one of his greatest achievements was to lead the team to win the BCS National Title Game last year. It is one of the most important events in the history of LSU Tigers as he made this team the only team to win two BCS national championship titles.

In the field of sports, coaches play a vital role in winning. They can see through the strengths and weaknesses of every player and use that to create a successful play. You can love the most valuable player in the team but in the hearts of the players, they know they were not alone in winning. great football coaches serve different teams across America and it happened that LSU was blessed enough to make great college football history with their coaches.

LSU Tigers – Coaches Leading LSU to the National Championships

I'm a wolves supporter and want to find some funny pictures to send to some baggies fans that i know! Can you help please…

when I was growing up my parents always warned me about the baggie monster

I dont know about wolves.But if you email me i am sure i could give you a picture of my baggies!!!!!!!!!!!!

I have plent of pictures of foxes… erm wolves your just weird! and what the hell is a baggie? I had a baggie once but the cops took it away

Just watch the game tonight, it should be hilarious!!!

Buying Vs Renting Near VCU and MCV

by on August 22, 2011

I would like to offer the following debate to the parents of VCU students and their Medical School counterparts who are coming to Richmond this summer (or who have already arrived) and who need to decide whether to buy or rent a home near the VCU or MCV Campus.

You should buy a house or condo.

Now I understand that my position on this is not without bias. I am a Realtor who sells a lot of property in and around both the VCU Campus and the MCV/VCU Health Systems Campus. it benefits me when you buy. it does not really benefit me when you rent. I am now done disclaiming my conflict of interest.

That being said, it does not mean that I am wrong.

I am not going to give you the rent vs. buy calculator argument because we can all tweak the numbers until we can get it to show what we want it to. Depending on inflation and appreciation and tax effects, I can get one of those things to spew out some amazing numbers. those are interesting tools and they have their place. this is not a debate for the rent vs. buy calculator.

My argument is more macro in nature and relates to the following set of circumstances:

•Prices are down 20-30% depending on your market and asset type
•Interest rates are being held down (somewhat artificially) by the Fed and are still hovering around 5%.
•College tuition and college room and board is going up despite the rest of the economic world moving the other direction. see http://www.collegeboard.com/student/pay/add-it-up/4494.html.

Renting a property for roughly $1.30 per SF per month (which translates to about $1,200-1,400/mo for the typical 2-bedroom apartment in City of Richmond in or around the VCU campus) or buying a property for about $190-210 per square foot yields about the same monthly cash payment at the end of the day.

Which one gives you some upside? it is pretty obvious that buying has the promise of upside.

I know that the counter argument is simply that many are not sure that the pricing declines behind us.

The facts are as follows:

-On January 1 2009 there were over 400 condos for sale in Richmond, VA

-On January 1 2010 there were less than 200 condos for sale in Richmond, VA

-There is no new projects in the pipeline that offer for sale product coming on-line in 2010 or 2011 that would skew those numbers

Life, at least financial life is about managing/pricing/understanding risk. Betting large sums of money on risky endeavors with no upside is not smart. Betting medium sums of money with a low cost-of-capital in a market that has balanced itself with no competition coming on line sounds like a pretty decent bet to me.

Don’t let the national media scare you off. While extremism and negativity sells, I have yet to see report on the college-driven housing market on 60 Minutes. As a matter of a fact, the student housing market is one of the healthiest housing sectors in the market ([http://www.forbes.com/2010/02/23/real-estate-advisor-personal-finance-college-reit.html?feed=rss_tickers]) and owning a home that is underpinned by a rental option to students is a way to remove a great deal of risk from the equation.

I am personally a buyer now. I was not last year.

my parents are due to go to cape verdi and are unsure if you can purchase ciggerettes there or are you best off purchasing them on the plane on the way over.

Can you purchase ciggerettes in the cape verdi islands?

Over the summer, I travel with my parents to visit my grandparents in a rural town in Mexico, close to Guadalajara. We usually go during the rainy summer season, where scorpions are most likely to be shaken out of their hiding places.

Everyone I know who has been stung by a scorpion at this place has survived but they had to rely on their own rather than on a doctor.

If I ever get stung, what should I do if there is no medical attention available? I heard that you're supposed to drink a lot of milk. Any other tips?