Thursday, February 02, 2012

PSA: Torah Home Education Conference Registration Opens

PSA and speaker lineup is below. Thanks for sending.

We have opened registration for the Fourth Torah Home Education Conference!

You will spend the day learning from veteran home educators, meeting other Jews interested in living a family-based learning lifestyle, and be able to peruse and purchase homeschooling materials from local and national educational vendors.

We are proud to bring you:

Evelyn Krieger, the author of the popular new novel, One is Not a Lonely Number, and veteran homeschooling mother.

Mrs Deborah Beck talking about Integrating Kodesh and Chol: Secular Subjects and Torah - Two Sides of the Same Coin.

Mrs. Robin Alberg presenting Remaining Focused In an Age of Digital Distractions.

Mrs. Susan Lapin teaching us the idea of VeShinantam Levanecha: Defining Torah Home Education.

A Veteran Homeschoolers Panel: Addressing Key Questions Including "How Can I Teach What I Never Learned?"

Mr Max Masinter leading a group discussion on Whether the Homeschooling Community Should Promote Homeschooling as a Lifestyle Choice to Address Communal Issues.

and several speakers/topics TBA.

Shabbos hospitality is available with the possibility of a melava d'malka afterwards.

The conference will be Sunday May 6, 2012 at the Park Heights JCC in Baltimore, MD. Registration will begin at 8:15am and the conference will begin at 9 am.

To find out more and register for the conference, please visit http://torahhomeeducation.eventbee.com

We look forward to meeting you at the conference!

Monday, January 30, 2012

Appreciating the Two Month Salary Rule

Until recently I have thought the De Beers marketing campaign 2 months salary guideline for an appropriate cost of a engagement/wedding ring to be a ridiculous standard. Lately I'm beginning to appreciate a benchmark based on the groom's current salary.

Yet another set of takanot are being reported in effect. Once again they claim to "save" families thousands of dollars. My father would respond, you aren't saving when you are spending. And spend they do. Even at the reduced rates, families of the listed Chassidish sects are instructed to spend a hefty sum: gifts should not exceed $2,675. Yes, this amount is much reduced, as is are all the other myriads of expenses from shadchanus fees ($990) to flowers for Shabbos ($135) to the actually costs of the wedding.

Of interest: my past post A Study in Wedding Takanot Differences.

I believe these takanot are to help curtail the debt incurred upon engagement/marriage. Yet benchmarking the spending, even if it is far lower, does not cut debt. Those without the funds will still be without the funds. Which brings me back to a regular message, the culture of debt is the real culprit.

NASI: The Kick Off and the Endorsers

As per Matzav publishing a NASI press release, NASI is kicking off their program with over 70 shadchanim and they have published a list of Rabbis endorsing their program. Personally, I'd like to hear from some of the endorsers because there are some names that surprise me.

I continue to believe the program defies all logic and the idea of making shidduchim more expensive strikes me as cruel. I'm not certain what the current fee scale is to be a part of the program, but in any case the fees are very high. I'm also certain that the endorsing Rabbis are aware of the lack of cash of so many families and I simply cannot wrap my head around how this can be endorsed as a solution without peer reviewed studies on the underlying issue (the "age gap"), some unbiased market research, etc.


Thursday, January 19, 2012

But They Aren't Funding EVERYTHING!

There is a new tuition blog, Yeshiva Sanity, that I'm keeping an eye on. One early post that caught my eye asks "Are WE the Problem?" Well, of course we are the problem and have been since the days of Mitzrayim, but the implied solution, a more centralized funding solution, isn't the real reason why the Catholic Church or the Church of Latter Day Saints can and do provide a low cost education.

As referenced in the article, the Mormon Church subsidizes the cost of attendance at Brigham Young University (BYU) which is practically "free" all things considered at $2,280 for church members and $4,560 for non-members. Yep, a private university with public university pricing even for non-church members. Likewise, the average tuition of Catholic diocese schools averages approximately $3,400 annually, with the actual cost averaging nearly $5,400, a nearly $2,000 subsidy for school attendees.

One might think, wow, if we were only unified, we could provide a more affordable product too: "If only we had the sense of community that the Mormons and Catholics had we would less of a tuition crisis. People whose kids have grown up and have the most means and least expenses would be subsidizing the younger parents who are mostly at the beginnings of their careers and can least afford to pay." [sic]

I fully believe that with greater coordination, savings could be realized, but those who compare us to them with the belief that if we only cooperated that we could come closer to the BYU result are missing something very fundamental: both groups have put their eggs in limited baskets.

I hope I have my information correct, but here is what I have gathered from various sources, including people I've spoken with:

The Church of LDS is highly centralized. Young Mormon students attend Sunday school and there are numerous social activities within the wards (local churches for which membership is assigned based on residence) and temples (regional). Education becomes more formalized in high school as youngsters attend "seminary" which takes place before public schooling. In areas with religious release time, there are paid teachers. In areas with smaller populations, schooling is provided by (unpaid) lay leaders before public schooling hours or through home study groups. While there are some day schools in the Pacific Islands and in Mexico, in America there is no day schooling movement to speak of. Mormon children predominantly attend public schools. Nor is there a subsidized Mormon Camping Movement with its own fundraising, infrastructure, and costs.

Following high school, post-secondary formal Mormon education generally includes a 1-2 year mission for young men and women (and they pay for the privilege, although the church subsidizes the umbrella structure and going on a mission is more popular among the male set). BYU is a popular choice for young Mormon students, but there are also "institutes of religion" serving the single, Mormon ages 18-30. Many of the institutes are located adjacent to college campuses and there are public universities that are highly popular among young Mormons that do not attend BYU or one of the other BYU branches.

From what I can gather, the Mormon Church has put their eggs in a few baskets. The wards and temples provide the K-12 set with Sunday education, Seminary education, and social activities that promote social identification and attachment. The umbrella structure for missions provides young men and women with an opportunity to develop their lay leadership skills. The institutes serve the educational needs and social needs of the young adults. And BYU is the flagship institution, a desirable place for students to attend college for complete immersion and meeting their match (about half the student body is married).

To briefly touch on the Catholic Church, their educational eggs are concentrated on the K-12 through diocese schools. Non-diocese schools can be quite expensive and Catholic Universities cost a fortune, just as other private universities.

Within the Orthodox Jewish world, we have an educational basket for every age bracket from 2 years old on up, and each bracket is subsidized in some way, shape, or form through fundraising, community infrastructure, etc, to say nothing about the expectation that one participate in the non-unified system from the age of 3 on up. We have preschool. We have preschool day camp. We have day school/cheder/yeshiva/bais yaakov. We have day camp. We have sleepaway camp. We have adventure and travel camps. We have boarding high schools for boys and girls. We have the year or two in Israel. We have beis medrash programs. We have social-educational youth group programs. We have outreach programs of every flavor and outreach yeshivot/seminaries. We have Jewish Universities (YU, Touro). We have college seminaries with relationships for degrees within the daled amot. We have Kollels galore. We have community Kollels too. We have shul and yeshiva sponsored avot u'banim and other learning programs. We have kollel dirshu with a stipend. We have learning within shuls with its own infrastructure and adult education institutes with their own corporate structure. (Did I miss any educational program that is supported directly or indirectly with donor money?)

In other words, even if we were to centralize/coordinate our K-12 efforts, we are funding just about everything under the sun and we have a lot of eggs in a ton of baskets. Therefore I don't think we can expect the BYU result at YU.

Shabbat Shalom.

Sunday, January 15, 2012

. . . Only A Week After the Beit Shemesh?

The images from the Beit Shemesh are still fresh and a two weeks later AMI Magazine publishes a picture of the White House draped in Swastikas and Nazi storm troopers on the front lawn (in an article on neo-Nazism) and the editor issues an "apology" stating "Because of the uproar in Israel over the use of the Jewish star, we may have made a poor choice and we regret putting that in this week's issue."

I simply don't even know what to say. All reality has been lost.

. . . .And Now Whopping Cough

Please daven for Yisroel Meir be Sarah Gittel, baruch dayan emet as one child has been niftar according to the Lakewood physician who speaks about the importance of vaccines and those who are "ruining it" for the rest of the community at 1:53pm. He recommends that if your child is in a play group or school where there are non-vaccinated children that you should pull them out.

Monday, January 09, 2012

PSA: Save the Date Annual Torah Home Education Conference

PSA from one of the organizers of the conference.

The 4th Torah Home Education Conference is on its way!

Please mark your calendars to be in Baltimore on Sunday, May 6th to attend this marvelous event.
The conference is a fabulous source of support, inspiration and camaraderie for all.
Look out for more posts regarding this special event as the program develops.

Make the Torah Home Education Conference a "must" on your homeschooling agenda.

Also, we want to know what you want to see in YOUR homeschooling conference.
Please take time to complete the following survey -


Thursday, January 05, 2012

Not Much on the Tax Front, but some interesting EITC Changes

(More regular blogging after I take care of a few mega projects)

I much prefer a sleepy season when it comes to changes in tax regulations. And this year isn't delivering a ton of complicated changes on the individual front. There are some changes, but nothing that inspires a lengthy column. Gone is the 2009 and 2010 "Making Work Pay" credit which reduced taxes up to $400 singles/$800 married filing joint. Some tax payers are going to be surprised by a lower refund. The credit was replaced in 2011 with the Payroll Tax cut applicable to the employee and was far more generous. Hopefully no one spent their paycheck and more counting on a similar size refund. But I'm sure there will be a few people screaming as the Making Work Pay Credit was "refundable", adding gravy to other refundable credits.

Speaking on refundable credits, the United States-Korea Free Trade Implementation Act amended the IRS code sections re: penalties on preparers who don't exercise due diligence (asking the right questions, conducting a mini-investigation of sorts). The penalty for failure to exercise due diligence moves from $100 to $500 (per return). Additionally, the prepare's checklist must be filed along with the return, not just kept on file. One has to wonder if a client is worth taking with this sort of penalty. The $100 penalty is a good reminder to exercise due diligence. A $500 penalty is big. Certain clients require a lot of extra effort to validate the validity of their claim, from the status of the children they are claiming to the accuracy of the self-employment income they present.

There is so much commentary to offer on the penalty as well as welfare credits flowing through the 1040, but I will leave my post at that and with a plea to taxpayers to act with complete yashrut because anything less puts not just the taxpayer at risk b'olam hazeh, but the preparer and his/her livelihood too.

Wednesday, January 04, 2012

JDeal: Saw You at Sinai

Back to regular blogging momentarily. In the meantime, I'm trying to work through about 20 work related emails, but when I caught this one I figured it was worth posting for my readers looking for a shidduch.



Friday, December 23, 2011

New Low Cost Option: Yeshiva High School in Los Angeles

Wish I had found out about this new school before the open house. But, better late than never, right?

Los Angeles is now hosting a second low cost yeshiva high school option called Yeshiva High School with a tuition of $8000 (the first was Yeshivas Ohev Shalom which had a PSA on this blog in 2010). The mission statement is a big different than other mission statements I've read. It reads: "The Yeshiva High School is intended to serve the greater Los Angeles community and to provide each student with a diverse self-directed, independent education in a safe, supportive and nurturing environment that promotes self-discipline, integrity, motivation, and excellence in learning. We are dedicated to Halacha, Torah Hashkafa, a love of Eretz Yisrael, outstanding academic achievement, and moral conduct. The Yeshiva High School joins parents, community members and businesses to assist student to become self-sufficient, respectful, ethical adults who are successful life-long learners committed to contributing responsibility both in the Jewish and global communities."

You can see the course offering, philosophy, etc on the website. I pulled the tuition from a article in the Jewish Journal that came through my feed.