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Teens MUST HAVE Summer Jobs, The Less Glamorous The Better – Quartz

General

Well-off kids who don’t have to work or look after a sibling through the summer can embark on complex journeys to find or foster their enthusiasm. They are able to volunteer for an HIV program in Africa, research health care in the Caribbean, or immerse themselves in Mandarin in China. Or, they could get a job. “The lessons are huge,” said Richard Weissbourd, a researcher and lecturer at Harvard’s Graduate College of Education. “It’s a real lesson in how to treat people,” he added. Weissbourd, who published a report about how to improve the college-admissions process to stem the insanity it breeds, said that lots of parents think that high-profile internships broaden horizons.

Not so: “For many well-off kids, we are narrowing their options,” he countered. Does it help or harm with schools? Starting in high school, many parents question how to structure their kids’ summers. The iterations are endless: educational enrichment or sports? Hip hop or gaming? Should parents let kids free-range it and have a break from their amped-up school-year schedules?

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Or as long as they hone up on biochemistry while prepping for the SAT and training the oboe? And beneath all that: What do colleges value? “Colleges will permanently find holding employment more attractive and significantly sexier than going to Costa Rica to build houses and … Read the rest

Just Because…: Hello?

Health
Just Because…: Hello?

Not sure that anyone will even read this in any way, but I figured now was as good a period as any to post a life update! I’m going to be 46 in two weeks and I still don’t possess my shit sorted out! Rhian is now 14 and at an all girls college. She actually is a beautiful girl with her head on straight – we are extremely close.

Jaynie is seven and in season three at major school. She is feisty, and independent but beneath it all, she has a soft heart. Tilly is five or one at the main college in-may of this or she began. She actually is a mummy’s girl with a huge heart, and is easily hurt, but she’s starting to find her way now that her school days have started.

Quite simply – I would kill for any of my women! Jeremy and I remain married – not sure how cos God understands we have almost killed each other! Lilly (2 calendar year-old cat that is bonded to Jaynie like nothing at all I have ever seen before – wherever Jaynie is, Lilly isn’t far behind).

Sam (10-month golden Labrador – heavy as pigshit but just damn lovely!). And Rocco (4-month-old Staffordshire bull terrier – the biggest smoothies book in the world). Although I must admit – I hate the atmosphere in the working office, plus some days I dread moving in at all, but also for now, it shall do!

I’ve gained … Read the rest

18M In Alberta With ~$35K. Looking For Advice

Finance
18M In Alberta With ~$35K. Looking For Advice

Mutual funds don’t require a brokerage accounts. However, if you are going to buy stocks and shares & ETFs (I don’t recommend the stock picking as they don’t fare any better than passive investments over time), you will need a brokerage account like the ones at TD or Questrade. A lot of people here on PFC, myself included recommend Questrade as their ETFs are absolving to buy & is cheap to sell. Right now Questrade has a promo where you transfer any amount over to them in your signed-up account, they’ll rebate you back the charge with your bank or investment company charges one to move your cash. Personally I don’t recommend the TD Comfort Balanced Growth Portfolio.

It’s an extremely expensive product, if I recalled correctly, the MER is like 2.3%. At least that’s how much it costs once I held it a long time ago. I would recommend you looking at an all-in-one (an asset allocated) index account ETF, they could be got for 0.18% – 0.25% MER. Do consider them, if you are the intense type, XGRO, VGRO & ZGRO are popular options as they’re 80% in stocks, 20% in bonds.

That being said, it might not be a good idea to pull out of the TD investment, especially if it’s losing money right now as the marketplace is doing poorly. Now, the other question is, what’s your investment horizon? Searching to withdraw your cash within 5 years? If so, it’s best not to make investments it … Read the rest