Showing posts sorted by relevance for query virtual school. Sort by date Show all posts
Showing posts sorted by relevance for query virtual school. Sort by date Show all posts

Thursday, July 19, 2007

Guest Post: Virtual Public Schooling

A reader sent me the following and is looking for comments and suggestions. Some public school districts are currently contracting with a virtual education provider. He believes that this could be rolled out in an area with a large Orthodox Jewish presence (he looks at Lawrence School District in particular) and benefit private school students as well as the school district. Below is his post.

Please leave your comments, address any of your concerns, and most importantly let us know if you would consider enrolling your own child(ren) in such a program if it were available in your area (even if only for a short period of time).

I have many reservations myself, but I find the idea intriguing and would certainly be open to such an option if it was available.

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I have an interesting and innovative idea that has the potential to:

  • Give private school students an alternative solution to the current yeshiva model.
  • Give parents of private school students a solution to the current tuition crisis.

  • What I am talking about isn't an original idea, however I believe it would be a fresh idea for yeshiva tuition paying parents.

    I am talking about adding a virtual school to the Lawrence Public School district.

    How does it work?

    Education Management Organizations, like Connections Academy, work with sponsors State DOEs, Public School Districts, Charter Schools and other sponsor organizations to provide a free public school that students attend outside of traditional "bricks & Mortar" walls. Connections Academy's unique program combines the strong parental involvement of homeschooling, the expertise and accountability of public funded education, and the flexibility of online classes. The mission is to help each student maximize his or her potential and meet the highest performance standards.

    How could this be applied to the current chinuch model?

    First, this program would not be for everyone. In fact, it wouldn't even be a solution for the majority. But I believe it would be ground-breaking option and options are something we sorely need!

    There would be a separation between secular education (the virtual school) and the Judaic education.

    For the virtual school, each student would have his/her own unique schedule. That schedule can revolve around his/her Judaic schedule or vice versa. The virtual school schedule would be a personalized and flexible as each student learns at his/her own pace. With Connections Academy's model, Learning Coaches work with the teachers to ensure that the student(s) they are responsible are progressing. Learning coaches are typically stay-at-home family members or even hired individuals. The virtual school itself would be tuition free. Textbooks, lesson plans, online resources, curriculum materials and (usually) computers are included! A complaint often heard regarding virtual schools is the perceived lack of socialization. I believe The Judaic program (not part of the virtual school) would solve this problem.

    The Judaic portion would have to be an "outside-the-box" solution as well. Of course, the Judaic portion of tuition would not go away. However, innovative and flexible Judaic teachers and Rabbanim could devise (diverse in scholarship and in cost) programs for students of this virtual school.

    So, why would Lawrence Public Schools be interested?

    • It can help reverse the declining numbers by attracting private school students.
    • It can help bring higher scoring students under the ranks which would boost the School Report Card.
    • Leveraging technology for education is all the rage!
    • It would actually be a money-maker for the district. Typically, the district would receive per pupil funding in excess of what they would pay for this program.
    • It would offer a solution for children of Orthodox tax payers without the separation of church and state challenges.

    Monday, February 07, 2011

    Virtual Education

    A number of my readers have pointed out a Guest Post from a member of the OU's Department of Day School and Educational Services division on the possibility of conversion of the limudei chol department with teachers and specialists from a "bricks and mortar" school to an online virtual charter school, particularly K12, staffed by learning coaches.

    In 2007 I hosted a Guest Post from a reader on the idea of virtual education for Yeshiva Students. Between then and now, I am only aware of one small (and new) Yeshiva that is using the model of Yeshiva + a Virtual Academy. That school is Yeshivas Ohev Shalom of Los Angeles. As per the Rosh Yeshivas' article on Outsourcing General Studies, when it comes to outsourcing in their yeshiva, there have been some worthwhile gains. They write of time gained when classroom time isn't wasted on discipline and the advantages of tailored curriculum the ability to offer more advanced courses despite a small population. It seems that in the Yeshiva environment, there is much to be gained outsourcing general studies. The authors mention that the online public school model is more demanding [compared to the Yeshiva model].

    It is a shame that that we have few examples of outsourcing general education, both in Yeshiva school and Day Schools. Is the education a marked improvement, and in which environment? What are the actual cost savings? Is this model successful for younger children, particularly younger elementary child (who, in my experience, require a good deal of monitoring)?

    As a tuition paying parent, I'm intrigued by the idea of a virtual online academy and I'd love to see if tested, but I don't think that I'd be willing to put my child in this environment just yet. At this point I simply don't know enough people who have worked with such a model and given our own experiences with our children, I have a number of concerns. But, if the OU is serious about convincing the public that this is something viable, it would be great to see the program piloted, especially in the younger grades.

    Thursday, January 14, 2010

    A Reply To a Honestly Frum

    From Honestly Frum [orange]:

    SL, from what I am gathering from reading you and Al and others is you believe that there is no solution to the day school tuition issue and we should simply adapt and send our kids to public school where necessary. I cannot buy nor stomach this answer. I think that there are solutions out there and we must do everything we can to insure our kids have a frum education.

    I will once again clarify something: I have NOT recommended sending our kids en masse to public school. My posts on alternative schooling, with the exception of a guest post on virtual public schooling, the posts I have featured on alternatives have not touched on public schooling.

    I have featured posts on homeschooling, supervised general ed through a charter school within the confines of a Yeshiva, cooperative schooling, and hybrid schooling in the Christian world.

    When I started writing, I focused tuition posts primarily on ways that schools could become more efficient. For each year I've been writing, I've seen (high school) tuition increase over $1000 for each year I've been writing. I've tracked articles from all over the country and the trend here is the trend there. I have yet to see schools announce major restructuring or policy change (forming "school districts" to negotiate with vendors and ensure greater efficiency, offering joint classes between neighboring schools, shrinking administration, implementing minimum tuitions, capping lifetime aid, establishing year round/4 day/morning and afternoon schooling, mixed grade schoolhouses, or other efficiencies that have been tried in other schools).

    At a certain point, I have come to more clearly recognize many of the market and social forces at work (someone could write a great PhD behavioral economics dissertation on the subject) and don't believe that the schools are going to lead the charge. I've come to realize changes are going to have to come from the grassroots. Parents who are sending a super-sized family to school for the same price that others are paying for one child, aren't going to lead the charge. Board members under the thumb of donors/directors/Rosh have their hands tied. Parents who are getting a better deal than they would receive in a single priced school aren't going to take up this battle. If anyone is going to take up the battle in the present, it will have to be me and you.

    I too believe there are solutions, but I don't believe that those with a thousand reasons why suggested proposals will never work are going to be the movers and shakers. Additionally, the average educator (don't take this as a slam at all educators, I'm just stating an observation based on conversations I've had with those in the field) is generally biased against anything unconventional, be it a mixed grade/one room classroom environment to homeschooling. Heck, just keeping your kid out of pre-school at 2 and 3 years old and skipping camp generates plenty of criticism . . . . . . . .. Meanwhile, my biological clock is ticking. I can't hold off having another child while I wait to see solutions develop.

    To me my kids education is far more important than putting an extra 15K away for retirement.

    Perhaps you don't have parents or in-laws that are simply unable to keep plugging away at the job, but old age happens and watching parents deteriorate physically and mentally is a reminder to me of the importance of saving for the future.

    If you can prove to me that my child will have the same level of observance if I send him to a charter school as if I send him to a Yeshiva day school I'll get behind it but until such a time I cannot bring myself to give my children anything less than a Jewish education in a Jewish environment.

    Each of the alternatives I've explored would keep the children in a Jewish environment, although I could see supplemental experiences exposing them to a more diverse crowd.

    Perhaps Co-Op and low cost school models work but public school should never be a substitution for yeshiva. At the same time that we have an organization like nechomas yisrael taking kids out of public school and putting them into yeshiva we have people in our communities complaining that yeshiva is too much for them so they are sending their kids to public school.

    Kiruv is popular but quite pricey. Perhaps a topic for a future post. Of course we want children desiring a Yeshiva education to have that choice, but so many of our own, already committed families, are curtailing their own family size because of the mess we are in.

    Are we not all willing to make any sacrifice, financial or otherwise, to insure our kids get a proper yeshiva education?

    For years people have prioritized a Yeshiva education. We sent mom into the workplace. Grandparents helped out. Many people (grandparents too) borrowed against the equity in their home. Others went into credit card debt. Many skipped saving and passed the cost of teaching their children a vocation to the next generation. Now we have people in their mid-20's and 30's who are strapped by their own day care and yeshiva bills + their student loans. We have grandparents with larger mortgages on their home than I do. I think things are just coming to a head.

    Your kids might turn out just fine from public school, but there is a much higher chance or assimilation in public school.

    Absolutely true. This is why we need a grassroots movement to help create viable alternatives. The right-wing Christian community has established homeschooling networks, fully prepared curriculums, and homeschooling conventions taking place in convention centers. There are hybrid schools and low cost schools. If I were a business-minded educator, I'd open a one room school (I need to find the policy paper I found on re-establishing one room schools in large metro areas for educational and cost benefits. Where is that paper?)


    Is this a risk you are willing to take? I sure am not and will spend every last penny I have to do what I can to make sure my kids are raised in a proper Jewish environment.

    I think this is the difference between the camps. While I don't know if I have what it takes to homeschool and I have some concerns regarding the viability of this for our family, hence my interest in a more cooperative agreement, I believe that our home is a great environment for our children and that the closer that I keep them, the better off they will be. We might not be the biggest talmudei chachamim, but I'm not afraid to take charge of a greater portion of the chinuch our children receive, be that education for a 3 year old or a 3rd grader. Between the two of us, I do believe that we have what it takes to raise Jewish children. Perhaps this is because my parents both took charge of my Jewish education, weak as it may be, and much of my general education because they thought that too many of the (public school) teachers were too lenient when it came to editing papers. My parents decided that if the teachers weren't going to mark up my papers with enough red ink, that they would take over where the teachers left off. My father supplemented my education by assigning me reading. So, I guess I have a mesorah for taking charge.

    And I don't think I need to spend every last penny to raise our kids in a proper Jewish environment. I'm very confident that there will be other parents who are going to be looking for alternatives and that we won't have to go down the path alone.

    Wednesday, March 24, 2010

    Education Alternatives: Online School within the Yeshiva

    We have talked a lot about education alternatives here. Honestly Frum has a post up on what alternative is being explored at the leadership level. The OU will be hosting a conference in Virginia on April 25-26 "Online Education and Online Charter Schools Within Your Day School:Approaches Toward Excellence in Education and Reduced Costs". This project is being spearheaded by R. Zucker of the OU Day School Services division.

    The specific education provider that has been consulted is K12 which provides online education to students in 26 states. The idea appears to be that K12 could provide education inside Yeshiva/Day Schools, funded by the respective states. I have consulted the K12 map and unfortunately some of the states with the biggest Orthodox communities do not have a K12 public option including basically every state on the Atlantic Coast with large Orthodox communities. New York, New Jersey, Maryland/DC, Connecticut, and Massachusetts. Pennsylvania and Florida do have public school virtual options. West Coast, Southern, and Mid-West communities with sizable Orthodox populations do have public options, so that is good news.

    The idea on the table is to have students attend their yeshiva, with limudei kodesh in the morning, followed by virtual education with facilitators.

    Please check out Honestly Frum's post and leave comments here and there. I'm hesitant, but please do see that someone is investigating something. I don't know a lot about virtual education and I'm not sure if I had that choice vs. just homeschooling and either hiring a Rebbe/attending only limuedi kodesh in school, if I would be interested in jumping on a virtual model. I will say that if you really want cost savings, the better idea would be to have learning labs and Judaic courses throughout the day in which schools combine and close actual physical facilities, i.e. downsize, downsize, downsize. Obviously there are cost savings in the proposed idea of dismissing some limudei chol staff and having morning Judaic studies followed by afternoon virtual academy. But real cost savings will have to come from consolidation, around the clock use of the facilities that aren't consolidated, and (yes) layoffs.

    Let the comments fly.

    Tuesday, December 20, 2011

    Adopting Some "Homeschooling" Skills

    I want to address this particular comment from my previous post. I'm pasting the comment in full, but I only will be expanding on the first part of the question, "developing a skill set":
    SL, you suggest that the parents should be "developing the skills that are keeping them from seeing the possibility in homeschooling." While homeschooling is great for some and some parents are terrific at it, this not something that everyone can simply develop a skill set in. Parents who are not cut out for home schooling would be doing their kids a great disservice. Have we come to the point where we believe kids are better off home schooled just to keep them away from the goyin, even if it means a lousy education, rather than use some of the wonderful free public schools that are available either where you live or simply by moving a short distance? If you are a great teacher and your kids are suited for homeschooling, then go for it, but it is not something that every parent should be considering. . . .

    My comments: I wasn't so clear in my comment as I was hinting to a larger phenomenon that I see all the time.

    I see a tremendous amount of money being spent on care even where parents are available, to say nothing of communal resources (think chessed babysitting hours provided by teenage girls, as well as actual donations ). The biggest expense is summer camp. Whether it is sleep away camp, day camp, or backyard camps, it is rare even for parents who are home to forgo outside care. Then there is after-after care. Many parents hire help for the after-school hours, often advertising for someone to assist them with homework and bedtime. There are groups on yom tov and Shabbat, but no matter the set up, they are rarely manned by parents, most often teenage girls working on a paid or volunteer basis. Break is coming and for some children (with a parent who is also on break), this means more camp. It is also rare for a pre-kindgergarten student to go to pre-school a half day. Nearly all are children are in school a full day.

    From what I hear and read, many parents struggle tremendously when they have their children home even for a small school break. And, that is where I think we all need to start and build more "homeschooling" skills regardless of whether or not we ever homeschool. On a purely financial basis, there are tremendous savings to be able to care for all our children when we are available, rather than outsource that care. Beyond the finances of it all, I think it is important to give quantity of time to our children. Furthermore, I think it is important for our children to have the consistency of care that can best be offered by a parent. While I sometimes like my children to go to a Shabbat group or the like, I have sat in and witnessed that the leaders lack authority and that the kids lack the consistency that they should have in their regular home and school environments. I just don't see the benefit of bouncing between school, home, multiple caregivers, multiple summer camp and other care environments.

    I'm going to introduce a few of my own tricks of the trade for managing my own crew and I hope readers will add some of their own tips and successes to keep the series active. Apologies if my tips are so obvious that I'm spilling virtual ink by even sharing them:

    1. Get down on the floor: My kids want attention (lots of it!). But, there is just so much to be done. In many homes, laundry is the nemesis. There is just so much of it and the pile never stops growing.

    When I work on a task like laundry, regardless of the participation that day of my kids, I try to sit on the floor. While sorting, folding, hanging, I am able to provide an increased level of attention to a child. I can read a story book, or just watch a child color. Playing a game is tough, but doable too.

    2. Regroup: When the behavior is going south, or about to go south, regroup. Have everyone put away what they are doing, take a breather on different chairs or couches, and then start anew. If the kids need to go back to their bedroom and come out again, try that.

    3. Assign a Task: My friends complain that their children are "bored." I can't say that this is something I have personal experience with. But, when I do find that my kids are being unproductive or that they seem to be aimless, I sometimes just assign (not suggest, but actually sit them down with the new assigned task) the "bored" kid something to do. It might be a specific chore, a specific academic task or book to read, or it might be giving them an overlooked toy to play with.

    4. Managing the Environment: I find that when I am disorganized or the home is disorganized, the kids become less manageable. I make it a high priority to keep this home in good shape. Some of my friends take a different viewpoint and I've had many discussions about sticky countertops and happy children, the thought being that the kids should just have fun and the mess can be cleaned up when they are back in school (which falls far too close to Rosh Hashana to add massive deep cleaning into the routinue, imo). Personally I believe that respect for our home and our things is a value right from the Torah itself. Things should be put in their place. Toys should be returned with all the pieces in tact. And items must be cared for.

    The bottom line for me is that when the home is neat and organized, I'm a better parent and a better person and the kids function better. If the home is in disarray, so are our attitudes.

    5. Lists: I tend to organize in my head, but I am increasingly finding that physical lists on the wall are key to communicating the expectations and schedules. Investing in the right system of cork boards, whiteboards, markers, dry or wet erase markers, is worthwhile.

    Please share your tips for managing your children for those long stretches.

    Tuesday, October 28, 2008

    Guest Post from a Real Live Homeschooling Parent

    Thank you to R. Daniel Aldrich who kindly put together a fantastic guest post on the subject of homeschooling, a subject that has come up nearly everytime tuition is addressed on this and on other blogs. I welcome guest posts. If you have a subject you would like to write about, feel free to contact me.

    Orthonomics Guest Post: Homeschooling
    Daniel P. Aldrich


    The topic of homeschooling is a touchy one for Orthodox Jews. School-based chinuch is such a historical and critical Jewish tradition that the idea of parents pulling their children out of the well-traveled standard school system to somehow pass along our precious mesorah sounds somewhat sacrilegious -- many observers must imagine that such parents couldn't really "make it" in the "normal" system. After all, most of us living in Golus pay $10,000 a year or so per child to send our children to our local cheder / day school / yeshiva to be trained as Jews, and we find it hard to believe that we could educate our children for a lot less. Moreover, professional educators are often suspicious of the idea that untrained parents could somehow do as well or better (since my parnassah comes from being a university professor, I admit I can fall victim to such sentiments myself). Another point that is often raised is that homeschoolers cannot provide the excellent mussar and middos training that our Jewish schools are so famous for, and those homeschooled kids receive none of the socialization that our schools are providing. Finally, and most obviously: which families have the time and patience to homeschool their kids?

    Or maybe we're wrong. For those of who imagine that homeschoolers have gone off the path established by Jewish history, let's take a closer look at the introduction of schools as described in the Oral Torah. Our avos and imahos only began mass-schooling, i.e. having 20-40 children in one class as an adult tries to engage them, with the coming of the takana of R' Yehoshua ben Gamla as described in Maseches Bava Basra 21a. It is well known that our rabbanim, including Rabbi Yitzchok Hutner, zt'l, have lamented the fact that individual parents - fathers, more specifically - no longer are able to fulfill their obligations in transmitting our Torah. It is clear that until some sort of societal breakdown- perhaps one result of the brutal Roman occupations of Israel - the Jewish tradition was not passed along bygroups, but instead by parents. Only once we collectively lost the ability to work individually with our children – perhaps because of so disrupted families and war orphans - did we turn establish mechanchim and morahs as our shluchim. So it can be argued that homeschooling, not mass schooling, that is the ideal and historical derech for us. To put it in halachic terms, mass schooling is b'dieved, and homeschooling is l'hatchila.

    Next, is it possible that homeschooling parents can possibly compete with teachers? One might assume that homeschoolers are not doing as well on at least the three "R"s. This assumption, however, proves to be incorrect. Most large-scale studies of standardized test scores across the North American population show that homeschooled kids do better - around 30 percentage points better - than average. Of course, one explanation is that homeschooling parents have passed along their intellectual genes totheir children, so that no matter where the kids went, they'd do well. (That would just reinforce the argument that these parents, with their higher than average intelligences, are making better choices inseeking to individualize the training for their children, rather than blindly following their peers by putting their children into schools where they may be bored. And, not to drive home the point too finely,but the results from the 1999 National Household Education Surveys (NHES) show that home schooling parents tend to have more education than those that don't home school. ) Or, you could argue that thesechildren score better in areas like math, writing, and reading because they have more one-on-one instruction, which is also pretty obvious. Which is to say, if we are educate each child according to his or her way ('Chanoch l'naar al pi darko') as Mishlei 22:6 instructs us, we must know the child's learning approach and possess the time to alter our teaching style to match it. Once you have 30 children in a class, your time is spent in discipline and teaching to the middle, not establishing 30 different tracks of communicating the lesson. Disagree? Please visit your child's classroom to see if the one teacher there has time to adjust his or her lesson for each child. Even the best trained, highest motivated, and most eager teachers simply lack the time to do this.

    Either way, home schooled kids come out being able to read, compute, and write at least as well, if not better, than their counterparts in mass schools.

    Another common argument tossed off by opponents is that homeschooling doesn't give our children socialization and mussar, as they get in school. However, in our personal discussions with parents who dislike the idea of homeschooling, the most common argument that they raise, bizarrely enough, is that "events" like bullying, peer pressure (to do things like smoke, drink until passing out on Simchas Torah and Purim, etc.), and negative interactions with teachers who don't get along with our children provide "learning opportunities" in mass-schools that homeschooled children miss out on. This seems to bethe "encountering unpleasant things makes you into better people" approach that stereotyped the basic training of the U.S. military. If we really believe this, then mosdos chinuch should bring skinheads andmissionaries into the schools to provide such challenges to the children - because that is really best for them! I think we all really want our children to receive personalized attention and a supportive environment - so bullies and unpleasantness are not part of the standard curriculum. The broader canard of "socialization" has been destroyed time after time in studies by scholars beginning more than twenty decades ago with the research done by Gustaven (1981), Ray (1990), Shyers (1992) and Stough (1992). You can find these academic studies and read them for yourself (see the source list at the end of this post).

    Even when the homeschooling is done, as the name suggests, at home, the children have a major outlet of social interaction in the form of extracurricular activities. Most parents who take the time to homeschool their children think about which activities – whether sports, arts and crafts, or extracurricular group learning trips - will be best for their children. After all, such parents home school precisely because they want to be able to better match their childrens' needs, and parents recognize that academic skills need tobe rounded out by social ones. (One homeschooling mom joked with me that if she really did all of the activities that she could, she wouldn't have time to get the academics underway.)

    We've found that most of the classic arguments against homeschooling simply don't hold water, and we believe that the main opposition parents have to homeschooling really boils down to the following issues: most of us don't homeschool because we don't have the time or energy or ability, or think that it would damage our kids or perhaps our reputation in the frum community. If both parents are working out of the home full time, mass schooling is a logical thing to do. Well, perhaps not. If you calculate taxes from the second income, nanny and day care fees, day school tuition, and so on, having one parent stay home full time to homeschool may in fact be financially advisable.

    Many of us are probably concerned about what our community might think of us if we didn't put our kids into the local school; I had this discussion with a family in Lakewood that wanted to homeschool their kids because the schools there did not meet their expectations, but they ended up not doing so out of fear of social repercussions. Another family in a Midwestern community told us of the pained looks and strained conversations they have had once they took their daughters out of the local schools to educate them at home. Our community certainly stigmatizes a number of things, and not sending our kids into the "standard" schools might indeed be on that long list.

    Alternatively, there are those of us who can handle the social pressures but are worried that we're not "up to it." As one of my chaverim pointed out, parents may not trust themselves to be able to pass along their yiddishkeit. This can be particularly true of BTs, but FFB can have this worry as well. One such refrain could be, "I'm such a b’dieved Jew, and don't even come to the ankles of the mechanchim who are steeped in Torah, let alone the menahel/Rosh Yeshiva. Surely, the less I am mashpiah to my own kids, the better." It is certainly true that as individuals we have less yichus and perhaps even less training than our hard-working teachers. But at the end of the day, who knows our children’s needs better? And who is motivated to ensure that those needs are met? And, think back to the period of time when there were no public schools – even then, generations upon generations of fine Jewish children were raised solely by their families. (For readers interested in Rav Desslers’ thoughts on the concept that most yeshivish schools seek to produce gadolim even at the cost of those [many] students who do not benefit from such an educational approach, see the ongoing discussion at Da’as Torah http://daattorah.blogspot.com/2008/10/r-dessler-produce-gedolim-even-if-most.html ) For parents worried about their personal chesronos, tremendous resources are readily available to back them up and support them in their drive to home school. Resources include the hundreds of lesson plans, worksheets, and curricula at Torah u'Mesorah's Chinuch.org, MorahMoriah.com, as well as virtual support groups from various on-line list servers including Chevra and JewishOrthodoxandHomeSchooling on Yahoo Groups. You don't need to be a professional educator or recreate the educational wheel to be able to work with fantastic and creative materials; with the generosity of these mechanchim and community members all of us can develop our children’s potential.

    A final concern from parents who are considering homeschooling is that a lot of the social "glue" in the frum world comes from Jewish geography in which we compare common experiences - schools, camps, yeshivas, neighborhoods – to figure out what we have in common. Are we denying our children normalcy by not enrolling them in a cheder or yeshiva? One simple solution is to ensure that you regularly access,if not live in, a strong frum community where you and your children participate in chagim, shiurim, and events such as Bnos, Pirchei, Father and Son Learning, etc. Another approach – for those with the resources – would involve regular summer camp enrollment. Finally, many homeschooling parents expect that eventually their children will enter a “standard” yeshiva or seminary when they are older – so that those children will also be successful at Jewish geography.

    Perhaps the most critical message here is that we as parents – despite our financial investment in schools – remain responsible for their spiritual, emotional, physical, and intellectual development. If you're dissatisfied with the schools that your children attend, you ALWAYS have another option – going back to the really “old school” technique of raising and teaching your children yourself.

    Sources:
    Gustavsen, G. 1981. Selected characteristics of home schools and parents who operate them. Doctoral Dissertation, Andrews University. University Microfilms International No. 8205794.

    Ray, Brian D. 1990. A Nationwide Study of Home Education: Family Characteristics, Legal Matters, and Student Achievement. Published by NHERI.

    Shyers, Larry Edward. 1992. Comparison of Social Adjustment Between Home and Traditionally Schooled Students. Doctoral Dissertation, University of Florida. University Microfilms No. DA9304052.

    Stough, Lee. 1992. Social and Emotional Status of Home Schooled Children and Conventionally Schooled Children in West Virginia. ERIC ED# 353 079.

    Tuesday, March 27, 2012

    Summer Camp Alternative: How About Learning Other Fundamentals?

    No wonder camps have a virtual monopoly on summer! Over at imamother, a mother who is not sending her 8 and 10 year old boys to summer camp is wondering what she can do in terms of learning because her boys are learning mishnayot/gemara in school and she isn't schooled in such subject manner and thus isn't sure what to do (hire a tutor? Send to camp half day?).

    It is possible that my own children's Jewish education is severely lacking and that they are so severely behind schedule in terms of Torah learning that this post should be completely disregarded and relegated to the virtual trash bin.

    However, if this is not the case and you agree that 8 and 10 years olds should be spending less time (perhaps no time) with their head in a gemara, and more time absorbing some of the fundamentals of Jewish life, mostly through Tanach, then the answer as to what to do is not only a simple answer, but the presentation of a great opportunity to teach (good old fashion) Torah.

    Summer is a great time to expand your children's Torah knowledge through a presentation of various subject matter they may never cover in school. Perhaps you can tackle some of the megillot. Perhaps you can learn some of the great books or stories in Nach. Perhaps you can expand upon already learned parshiyot or areas of Torah. Perhaps you can examine some of the tefillah and how it relates to the fundamentals of Torah. If you are insistent on learning an area of Torah that you don't feel competent in, go ahead and grab a sefer with translations and English commentary.

    Just because an 8 or 10 year old is learning mishnayot doesn't mean you have nothing to offer said child. In fact, I'd bet that you have plenty to offer the child that is not being offered in school and you put your own stamp on their learning in the meantime.

    Monday, August 31, 2009

    Ask Orthonomics: Reader Asks For Insight and Essentially An Intro To This Blog



    This week's question comes from a reader that writes the following:

    Hi SL -

    I'd like to ask your insight on 3 related items:

    1 - do you have a Top 10 list of your articles from your Orthonomics blog on how to save & thrive within the Orthonomics model?

    Sadly my blog is not yet well organized (perhaps if we get snowed in, I can rectify that). But I have shared many of my own rules of the road as well as tips. Here are some of posts that might be of interest:

    1. Camping, Playgroups, Babysitting: My friend "A Mother In Israel" wrote a Guest Post for me on organizing a co-op camp for children. The same ideas can be extended to work low cost pre-school cooperatives. And formal and informal round robins can be used to help cut down on babysitting expenses for times when you need a babysitting (weddings, dentist and doctor appointments, etc). The key is to find friends willing to give these alternatives a try.
    2. New to You Shopping, i.e. buying used at garage sales, consignment stores, and thrift stores, has not only cut our expenses, but has also put my kids in "better" clothing than what we would normally purchase. I love inverse relationships!
    3. Pesach for many means overspending, but that doesn't have to be the case. Pesach is a holiday of freedom, so becoming a slave to Mastercard certainly makes no sense. Here are tips from year past: 2006, 2007, and 2009.
    4. Weddings and any other smachot don't Need to break the bank by design either. One Guest Poster writes about her super-frugal wedding. Here is what we did to keep our wedding under control. I personally think the overspending on weddings is a HUGE issue and if just this one issue could be tackled it would go a long way towards improving "The State of the Union"; shidduchim, shalom bayit, financial issues.. . you name it and the hub practically revolves around the issue of killing ourselves over a one night, 5 hour affair. Ludicrous!
    5. Organizing Cost Effective Grocery Shopping is how we save thousands of dollars a year. Some people love Costco, but I'm apprehensive. I think that good menu planning and shopping the circulars is key. Some don't care to talk about the small numbers, but I am thoroughly convinced that a decade of smart grocery shopping has contributed tremendously to our bottom line.
    6. But, if you like to focus on the big, try Too Much Too Soon which looks at the hidden costs of too much stuff, too much car, too much house, and too many services (yes, I do dare to suggest the cost cutting measure of trying to get away with less services including, but not limited to, cleaning help). In another post I pointed out that a Yated letter writer's budget was not being crushed by tuition, but by the biggies including a huge mortgage and the utilities that go along with it, camp and going to a bungalow colony, and cleaning help amongst other ridiculously large expenses.
    7. Of course, cutting down on peer pressure while choosing to live within your means isn't easy when "everyone" else is spending like there is no tomorrow. I think mitigating peer pressure is important.
    8. Budgeting is key. There are lots of great budgeting software out there. I personally track everything on good 'ol Microsoft Excel which is not particularly the most efficient, but it works for me. Now that I have a bunch of clients on Quickbooks, I will likely stick my own stuff in there since I have so darn much of it and it continues to get more complicated by the day. Budgeting Tool #1 (Monthly Budget Tracking and Summary), Budgeting Tool #2 (Cash Flow Analysis), Budgeting Tool #3 (Asset and Liability Tracker, i.e. a balance sheet. . .but without considering the value of my home because I'm not selling anytime soon, nor borrowing against it), and Budgeting Tool #4 (Year-by-year budget comparison).
    9. Living below your means and saving for the future is important, but you need to insure against the terrible possibility of a death in the family. I wrote about Life Insurance early on, and a reader was kind enough to put together a basic primer on Life Insurance Basics. I have yet to write about disability or long-term care insurance. They too are important. It is naive to think the community will (or even can) pick up the pieces for you as this family in Money Magazine believes (ouch)!
    10. And to round out the Top 10 posts/subject matters, I will just mention that I believe financial issues are best tackled early, with honesty, and with a belief that the problems can be solved through hard work.

    Well, that list should provide at least a few things to hang your hat on!

    2 - have you or any of your readers considered or seen the following:
    creating virtual learning for frum schools as is currently being done for secular colleges and other professional online training.
    community limits on simcha spending
    a paid service plan like insurance that pays for chasonnas
    communities working together to cook for simchas.


    Virtual Learning
    As far as I know there are entrepreneurs looking to develop virtual learning. I was even fortunate enough to have a guest poster write about Virtual Schooling. Room 613 (sorry I can't remember the web address) is one that I have heard of geared towards frum students. While I try to use my little 'soap box' to look at education alternatives from homeschooling, to hybrid schooling, or alternative schedules (the four day schedule continues to grow on me) as well as news out of public schools, I don't see myself jumping on the virtual learning bandwagon quite yet, but I do believe there is a lot of potential. But this comes from someone who doesn't believe calculators should be used until algebra, and then only a basic 4-function. I'm not a technophobe, but a personal connection to the educator still is a basic for me.

    Spending Limits on Smachot
    Regarding community spending limit on smachot, I think the plans have helped somewhat, but they aren't very effective. The Agudah put foward some standards in the early part of this decade, but it is hard to take the standards seriously when a disclaimer was offered that the standards would not apply in "exceptional circumstances." The vort, which was supposed to be eliminated, continues to grow in popularity. And, I haven't been to any "normal" weddings where the sisters of the chatan and kallah were not wearing ballroom gowns.

    Different Chassidish communities have been experimenting with takanot and, quite frankly, what is laid out in stone is still ridiculously expensive even though the kehilla, unlike those the Agudah targets, are bound to listen. Helping shave costs is important, but when incomes don't cover the expenses, I'm afraid it is time to switch to the "Cake and Punch" option.

    And the emphasis on gift-giving (despite the laundry list of mandatory "gifts" being trimmed) is still ridiculously expensive. Furthermore, while I realize that the dating cycle of the modern Orthodox young lady and her Chassidish counterpart are worlds apart, I question the emphasis on gift giving the the yeshivish and Chassidish worlds. I believe that the amount of money spend on gifts is not only terribly expensive and unjust to those without the means, but that it disconnects a the young couple from the reality that is about to hit them when they get married.

    The Belz community has decided that interest free loans to the tune of $25,000 for each mechutan is the way to go. I counter that a plan that starts with debt isn't much of a plan at all, even if the massive amount of debt is easier to dig out of because it is interest free. Plus, the gemach fund should be just about all but broke now.

    If I were writing a wedding takana it would simply be no loans, not against the house, not against the 401k, and certainly not against the credit card. Once you are dealing with cash, it is an entirely different beast. Bring on the lox and bagels!

    Communities working together to cook for simchas

    In the first question I pointed to a post on camp co-operatives. There is no reason that families can't come together to provide sides dishes for a brit milah, bar mitzvah, or even a wedding (although it would be problematic in a shul or facility where there needs to be a food license). Sheva berachot very often involve such efforts. There is no reason no to try and promote this solution, perhaps amongst a small group of friends. There are library books about forming co-operatives that are fair to those involved. That would be a good resource to look at if you want to try something in a small community, or amongst demographic, e.g. young couples having their 1st or 2nd child.

    3. Has anyone outlined the timeline of frum milestones & financial planning [as is being talked about on http://serandez.blogspot.com/search/label/Jewish%20Economics%20Survey ]


    I'm not sure I understand the question, so I hope the writer will elaborate.

    General financial goals might include: building an emergency fund, saving for a down payment on a home (I'm a traditionalist and still believe in down payments), funding retirement accounts, putting away money for your children's education. Those looking to start their own business or take on a big investment might include milestones to fund and build the business, as well as meet certain milestones in certification, education, and what have you.

    Frum milestones would include paying tuition (ouch!), brit milah (the minimum: paying the mohel and serving a seudah to a minyan), bar mitzvah (the minimum: tefillin, tallit where applicable, and either a kiddush or sedah to mark the occassion). Chuppah (the minimum: a ring + a photocopied ketubah+ minyan to be present at and share in the seudah), Levaya-may you live to 120- (minimum: kosher pinebox + kittel + burial plot).

    I see no reason to mark any occasion with the bare minimum by design, but I also see no need to make conformity my be all and end all when what the Goldberg's are doing doesn't particularly suit our way of going about things. As, the radio talk show host would say:"Don't even consider keeping up with the[Goldberg's]. THEY'RE BROKE."

    with appreciation,

    A Reader

    Tuesday, November 20, 2007

    JO Review: Tuition Vs. Camp

    The Jewish Observer "Tuition Dilemma" Issue has an interest transcript of a question and answer session conducted by Rabbi Shmuel Feurst, Rav of Agudath Israel of Chicago regarding tuition issues. Below I am reproducing the first question and answer regarding tuition vs. camp. Other questions to follow in upcoming posts.

    My comments to follow.

    Question -- Overnight camp can cost $2,000, $3,000, or even $4,000, and day camps can also cost $1,000-$2,000 if the child is enrolled for the entire summer. Can one apply for a scholarship from his child's school if he would be able to pay full tuition, were he not to send his children to sleepover or day camp?

    Answer -- Today's culture can be very corrosive. A child goes to school for nine-ten months. If he does not attend a day camp or overnight camp in the summer, he can lose everything he gained in those ten months -- and even worse. To keep children on the derech HaTorah, one must keep them off the streets. One would then have a right to ask for a tuition reduction.


    It is really hard to know where to start with this discussion, but I will presume that this "psak" is practiced vis a vis tuition since I know mothers who send their children to summer camp who are on scholarship (and not every mother is working during the summer).

    So I will start by asking a question: Why should a Yeshiva have to cut their costs so children can go to camp? Why shouldn't it be the opposite? Why shouldn't camps have to compete for whatever dollars are left after tuition, rather than Yeshivot trying to take whatever is left after camp?

    Of course, no one wants their children to be idle during the summer. We want our children to keep up with their learning, daven, read, and explore their interests and talents that might lay dormant during the school year. Some would argue camp is a necessity to prevent such. I would argue that a summer could be productive for a whole lot less.

    There is a saying that "necessity is the mother of invention." We have spent time on this blog exploring inventive alternatives to the current day school situation from homeschooling (which deserves its own post) to virtual schooling, to Elliot Pasik's Two Building Solution.

    I would say that the alternatives to summer camp are nearly endless (even when a parent is not home all day everyday during the summer), while the solutions to receiving a Jewish education are more limited, but not unlimited. I hate to argue with a person far greater than me, but it seems unfair to put more burden on the the schools and on the other parents by declaring essentially declaring summer camp (with emphasis on camp) a necessity.

    Have at it.

    Wednesday, June 06, 2007

    Carving Out Quality Time

    Rabbi Horowitz's question for next week is posted on his website. The question comes from a set of parents of four children, ages 2 to 9, who recognize the importance of spending time with their children, but can't seem to find any. The parents states: "Balancing our career, family and social obligations – as well as doing homework, carpooling, arranging play dates, attending parent-teacher conferences – is a bit overwhelming at times." They then ask, "Do you have any practical tips for spending quality time with your children when there does not seem to be much in the way of quantity?. "

    I think that this is a question that so many American parents are asking. However, the challenge seems to be particularly acute for Orthodox parents as family sizes are far larger, school days are far longer, and Shabbat and Chagim require a tremendous amounts of preparation.

    It probably isn't fair of me to offer much of a critique since I have yet to walk in the shoes of dual income families. But I think the subject is important enough to offer a few ideas.

    I personally don't believe that "quality time" can be created artificially. I believe that quality stems from quantity and it just happens. In other words, time is like energy, it has "potential," but that potential might not ever be used. So my own ideas of how to create quality time would revolve around creating "quantity time."

    Here are some of my ideas:

    1. Free Up Our Own Time.

    It would be very easy to say to parents, have one parent leave the workplace and become a full time homemaker, people don't take well to suggestions that they are not open to or that won't work for them for whatever reason. Also, there are some parents that do replace work with other commitments, so that in and of itself isn't much of a suggestion. So, while I won't suggest making any major changes in employment (although it is tempting, especially in some cases such as when parents spend much of their time on travel), I will suggest looking at how we spend the rest of our time. That said, I think there are many parents out there who need to reconsider their "social obligations" or other communal commitments and extracurriculars.

    A while back, I went to a parenting talk at a local shul that featured a panel or speakers (a principal, a Rav, and a psychologist). All in all it was a worthwhile way to spend an evening. But, I wasn't so impressed by one of the panelists. Why? He accepted the social commitments of parents as a given! As an example to emulate, he told the audience about a very busy Rabbi and parent with whom he carpooled to an event. He was impressed that the Rabbi used 10 minutes (!) of his time to learn with a child over the phone. I was left saying, that is nice, but impressive it is not. The principal went on to tell us how we can use our "downtime" in the car going to and from our obligations as time we can use to bond with our children through learning.

    To me, this suggestion was akin to suggesting replacing story time with a book on tape. Supplementing is one thing. But, one cannot replace human contact and it scares me that there are educators out there that take the easy way out and suggest we replace real time with our children with virtual time, via our cell phones. The other thing that really scared me was that the example brought to emulate was about "learning" with our children. Learning with our children is certainly important. But so is just talking with them.

    Another area to be wary of as parents biting off too much. Some people like to talk about just how "amazing" the "superwoman" with 6 or 8 kids who works full time or nearly full time, is involved with numerous school and shul committees, bakes her own challah, and hosts guests every week. In life, something has to go. And, I have seen cases where the children or the marriage is what goes.

    2. Limit interruptions

    Speaking of cell phones, how about not answering every call (or even more radical, leave it home). Let's start talking to our kids and once we are talking, not letting the conversation be constantly interrupted.

    When I was a new parent, I was in the grocery store chatting away with my then one year old and a Bubbe from the neighborhood approached me to tell me how wonderful it was to see a parent talking with their child and that parents today just don't do this. I'm not sure I ever noticed, but after this talk with a local Bubbe I realized that most parents go about their errands without a whole lot of interaction with their children. This is a missed opportunity and it is a real shame.

    But worse yet, so many parents allow their cell phones to invade potential "quality time." So many parents spend the time with their children present only in body, as their cell phone is glued to the ear (sometimes quite literally). You'd think we were all high-level business executives or on-call doctors judging by our use of cell phones. No matter where you turn, there is a parent with a child who is on the phone: the park, the grocery, the car, the carpool lane. Some parents are so busy that they forget to say hello to their kids who are so busy talking on their phone that they forgot to say hello to their children before herding them into the car. Of course, I'd like to believe that each one of these parents is dealing with an emergency, but I know this isn't true.

    3. Be Wary of Overscheduling Children:

    I think it is fantastic to involve kids in activities that they really want to do. I had my activities growing up and I'm sure you did to. But, it seems that the modern parent has convinced themselves that their child needs to have every minute of their day occupied. I think that downtime and free time are vital to developing interests and it is better to hold off on putting kids into extracurriculars until they express an interest in getting involved. And even then, I think parents should make sure the amount that a child is biting off is reasonable.

    Please add your ideas for carving out time here and put your comments on Rabbi Horowitz's website too. (Or, let the flaming begin).

    Monday, May 14, 2012

    The Asifa: What Do We (the other half) Do?

    (Blog is not dead, but blog owner is just feels that way has a intimidating backlog of subjects to write about)

    [Update:  I have heard the audio, thank you Gil Student, and the word "whatever" sounded different in person.  I listen to the back and forth and I got the message "the internet is evil" but I did not get the message that there is an understanding of the modern workplace.  I know others in that time warp too, and sometimes I'd love to revert to a time where moving to a Smith Corona from an electric IBM and a 3-way conference was progress.  Today's workplace is simply different including the location and there is a lot that could be discussed in terms of boundaries on work and home, e.g..  I don't believe in big splashes--much more effective would be actual discussions among professionals facing similar issues-- or in calling things a blanket "evil".  A big splash event won't do much besides make big headlines and get people excited with no place to go.]

    There is a lot of virtual ink being spilled about the now famous internet asifa at Citifield taking place this coming Sunday [direct cost:  estimated at over $2,000,000; indirect cost:  babysitting, time away from work, transportation of the 40,000 guests].  I guess everyone is wondering just what will be said at the "discussion" in where a community response is to be "formulated" [link:  Wall Street Journal].  At this point, no one knows who the speakers will be, so I can understand the speculation and curiosity.

    Personally, I'd rather discuss what has been said, not what hasn't.  Unfortunately HaModia doesn't archive its news feed, so I will just pull a quote in regards to something that has been said to promote this asifa with apologies that I can't link to the entire piece:

    That goes not only for family people, but that is one of the main reasons we feel that bachurim need to know everything there is to know about how careful one has to be. Because a bachur will eventually become a yungerman and a yungerman after his chasunah, his wife [may have to] bring in the internet because of her job or whatever it is, and he won’t know what to do. He won’t have it in his bones the terrible danger that this is, how dangerous it is for him and the rest of the family. 


    "Because of her job or whatever it is"  (oh how I despise the word "whatever"). . . .. . . . We live in an age where the local Orthodox Rav lives under the shadow of the super-Rav/Gadol Rav.  The super-Rav no doubt has seen tremendous destruction, some of which many very well have been exasperated by internet usage, but the Gadol Rav might not be too familiar with the day to day life of the average Orthodox woman (i.e. the economically productive person in the above scenario being blamed for bringing the internet into the home for "whatever it is").  


    The Gadol Rav can put together a gathering of 40K.  The local Rav probably has a better idea in regards to the "whatever."  


    So what does that woman do?  


    Well, she might telecommute or run a business from her home full time.  She might put in a few days from the home.  She might put in evenings from the home.  She might need to access educational resources for her children because she has a second job known as "homework."  She might run 3 or 4 carpools in one day all while putting in time in her "office."  Today, that was me.  I woke up and found a note in my inbox that a client needed something for a meeting this afternoon.  I already had another deadline on my plate that I hadn't met on yet.  I spent 45 minutes working to prep my day while the kids got dressed and ate.  Then I loaded everyone into the car and pulled into one school parking lot at 8:15AM and dropped off carpool 1, picking up carpool 2.  I ran two errands with carpool 2, dropping off carpool 2 at their stop.  When I got home, I had a sleeping infant and knew there was no way to meet either deadline if I moved said child.  So, I parked in the driveway and ran inside to grab my laptop, parking as close to the home as possible and worked until the nap was finished.  Thank you to those who developed Wi-Fi.  You help us pay tuition in the strangest ways.

    I met my deadline, came inside to keep working, ran another carpool, and got lucky when everyone decided to play and color quietly, allowing me to work and bill 2 more hours and make a short post.  In about 15 minutes, the day continues with the after school rush of dinner, cleaning, and facilitating the "whatever" of the rest of the day.


    I'm not complaining, but I have to wonder just what type of relevant advice can even be offered if the woman's job is a "whatever", i.e. not understood.  


    And with that a good bye.  Happy afterschool routine to my fellow readers.

    Wednesday, October 14, 2009

    Guest Post: Jews, Jobs, and Employment: More Entrepreneurship Needed
    (by reader identified only to me)

    As my regular readers know, I am open to publishing "Guest Posts" from readers, even where I don't always agree. It keeps the blog alive. I decided, "why not?" and I'm publishing this guest post although I disagree with the logic behind nearly each assertion.

    I have run into this line of thinking over and over again (both inside and outside of the frum world, a la Rich Dad, Poor Dad) and figure a healthy discussion might be of use. I am saving my own commentary for an upcoming post. (Which can be hard to do because I have very strong feelings regarding the subjects at hand! But I do have a carpool line to get in soon).

    Additionally, I have another guest post on the subject of Jews, Jobs, and Employment. Watch for it in the coming days!

    Question: are we BTs in the corporate/professional world falling prey to the "get good education/grades = get a good job = get a good salary = good lifestyle & retire" mentality?

    In other words - there is a POV which says that w/o a proper secular education, BTs aren't seeting their FFB kids up for financial success - before we get into that - look at the above equation - that is an employee mindset - what about the entrepreneur mindset?!

    The question really is - do we want to raise our kids with a employee mindset? If so, then secular education is a must [although it could still be argued]. I would propose that if we really want to set our kids up for financial success - teach them an entrepreneurial mindset! Why?

    #1 - it doesn't require an MBA.
    requires a knack/skill for how to create & deliver value

    #2 - you have the potential & more likelihood to make the actual money to live frum & be financially comfortable [maybe rich?]
    employees only get rich on IPOs, stock options, etc - that died with the .com bust.
    employees can be financially comfortable - but @ what cost to work/life balance?

    #3 - it seems the entrepreneur path:
    is most like the traditional "old world" Jewish professions: baker, blacksmith, wagon driver, farmer, etc
    avoided secular education & anti-semitic issues

    frum education teaches the linear & critical thinking skills necessary for entrepreneurship
    math & english can easily be made up for as an adult - look at people from India, China etc who have ESL - english as a 2nd language - its true they know math & science, but I believe they are taught how to think vs the American secular system which emphasizes memorization.

    the secular world advocates the advantages of entrepreneurship.
    they are now saying the rules have changed - the formula of "get good education/grades = get a good job = get a good salary = good lifestyle & retire" is "old school" & has changed thanks to the advent/advancement of technology and the global economy.Back to an employee mentality - there are many skills that can be learned [programming, networking, graphic arts, plumbing, electrical engineering, etc] where the FFB could get a BA from an accredited Yeshiva - then either apprentice [plumber, electrician] or self learn [[programming, networking, graphic arts] with a sort of certification attached.

    I believe the economic downfall is due to a lack of entrepreneurship - we forgot how to provide real value [another article unto itself ]. See 10 Reasons You Should Never Get a Job & How to Make Lots of Money During a Recession

    in summary- our "Orthonomic" challenges would be solved if:
    we taught our children how to be entrepreneurs.
    taught proper saving habits, living beneath your means [get rid of keeping up with the Goldbergs mentality] & no credit cards [except for emergency [tow car example]].
    reduced the costs of simchas to a set $$$ amount in a community
    created virtual learning to reduce tuition costs

    Friday, May 28, 2010

    Surprised to Find Orthonomics in the Yated

    I was very pleasantly surprised to see that my Guest Poster's featured post AREIVIM and Why I Don't Like It was quoted in full in the Reader's Write section of this week's Yated. There was no mention that the content of the letter came from my blog, and I'm certain that is for the better. Since I was pleasantly surprised to see the Guest Post in the Yated, I'm curious as to how it landed in the Reader's Write section. The letter begins like this and is followed by the text of the Guest Post:


    In response to Rabbi Binyomin Ginsburg’s column on the importance of buying life insurance
    and the coincidental inclusion of a brochure for Areivim in the same issue of the Yated, I would like to share some thoughts written by an actuary, whose job is to analyze risk in insurance, among other things. His remarks are titled, “Areivim and Why I Don’t Like It.” He writes as follows:


    I had no idea that in the same edition that Rabbi Ginsburg stressed the importance of life insurance that Areivim included a brochure in the paper copy of the newspaper. Simply wow. Now that the KYA/Areivim/Areivim USA issues have come to the forefront of print and virtual media, I am hopeful that we can finally discuss efficient use of resources, personal finance, and transparency head on.

    Meanwhile Rabbi Horowitz has published his recommendation that contributors and members of KYA/Areivim/Areivim USA dissolve their relationship with the organization and he is taking some heat on his webpage and at VIN.

    Speaking of transparency, in perhaps the most idiotic comment of the year, a VIN reader correlated Rabbi Horowitz's questioning of Areivim to questioning Moshe Rabbeinu writing: "Doson Veavirom also doubted the credibility of Moshe Rabeinu!" Need little ol' me have to review some basic pashat Torah for the benefit of VIN readers?! Moshe Rabbeinu is an example of the great transparency that one should demonstrate when dealing with communal funds. There was no need to place blind trust in Moshe Rabbainu because he avoided suspicion by keeping a transparent accounting and open pockets. In fact, when collecting funds for the Mishkan Moshe Rabbeinu even told the people when enough was collected. Can you imagine a shul, school, or organization today shutting down their collections mid-year because they have what they need?

    Just because a tzedakah manages to put out glossy brochure after glossy brochure does not make it "Moshe Rabbeinu." I don't nitpick every action of the organizations that we donate too. In fact, if I was in charge I might spend money differently. But so long as the organization is reasonably forthcoming and demonstrates basic competency and integrity, I am pleased to be a donor. KYA has not been at all forthcoming and has even lied about endorsements and Board Members. Am Yisrael can and will take care of widows and orphans and I believe we will be able to do so in a more dignified fashion without a middle man such as this.

    Monday, February 04, 2008

    Our Finances: Welcome to the 21st Century

    In my first post in the developing "Our Finances" series, I used two threads on the Imamother Chat Board as a starting points. My written piece, in which I stated the necessity of both spouses being aware of the basic details of their household's finances, was posted on the Imamother chat board by a participant. Soon a participant asked exactly made my opinion profesional and why I needed to denigrate the traditional approach. It is actually rather humorous that my opinion was questioned for its professionality since the beginning of my written piece points to professional experience and since many of the women on the site seem to have no problem asking and receiving advice (much of it ranging from bad to terrible advice) from lay people on matters like investing in rental properties, buying life insurance, or selling a home to get out of debt.

    Unfortunately, when I address the dangers of not having a clue about household finances, I'm not just talking out my blog. What I write about is based on real life work experience, fielding questions, and reading a lot of personal finance articles. I don't normally feel the need to defend my every opinion and am open to other perspectives, but in this case I feel very strongly that in today's world, yesterday's method of household finances (i.e. keeping one person in the dark, normally the wife) when combined with the yetzer hara, or communication issues, is fraught with danger. I've seen the damage that can be done, I've read about the danger that has been done, and therefore I feel the need to use my soapbox to open up the discussion.

    Imamother participant Motek seems to think shalom bayit can be improved when one spouse sees their way out of the finances if it is causing arguments (the idea that resignation is a sign of a healthy marriage deserves a whole post of its own) and she writes that tradition falls out on the side of letting the husband/provider take care of everything. Another poster writes there is no "wrong or right way. . . . as long as it keeps peace in the home."

    Motek also brings "daas Torah," writing ". . . . .Rabbi Y. Zweig of Florida . . . said that his grandmother was given a weekly allowance by his grandfather and she knew nothing about his business. He gave her the allowance when things were going well for him and also when they were not, and she was none the wiser. She was a happy, secure woman. Her husband provided."

    I am sure the "husband knows best" approach worked, at least somewhat, for Jews and non-Jews alike 50 years ago. I am NOT here to denigrate families (especially families of talmidei chachanim) who lived by this approach. But, I sure wouldn't recommend it today.

    Times have changed drastically. Besides the fact that the workplace is flooded with working women, there have been other significant changes. Probably the biggest change in the world of finances is the liberal extension of credit. The availability and ease of getting and using credit was unheard of, even 25 years ago. Today, people can take money out of their homes using a HELOC with the push of a button at the ATM. Another change is mobility, especially virtual mobility. One doesn't even have to leave their home to shop as it can be done from the convience of their own computer with the click of the mouse. And what about gambling (which includes playing the stock market) without anyone ever knowing or seeing you? Another significant change is the proliferation of credit cards and the death of the Mom and Pop store. While credit is still extended at many kosher grocery stores, one need not approach a store owner/manager for a personal loan when they don't have the funds, .

    Unfortunately, many spouses are "none the wiser." I hate to bring up the subject of fraud again, but we have many, many, many frum men sitting in jail today (soon to be joined by other, r"l) because they were involved in shady business deals, schemes, and other "victimless" crimes. While I'm convinced some of the wives were perfectly aware that their husband's were engaged in illegal acts and knew that their household could face disaster should the crimes be discovered, I am equally convinced that some wives were sideswiped when their husbands were arrested and convicted. Being "none the wiser" while their husband "provided" certainly doesn't lend credence to the saying "ignorance is bliss."

    But, I hate being alarmist. So, let's take a step away from high profile cases and talk about things that could be happening to a person in your neighborhood. I just completed reading a book called Green with Envy: Why Keeping up with the Jonses is Keeping us in Debt, by Shira Boss. The book practically jumped off the library shelf into my bag and it was a worthwhile quick read. In one story, a husband who married right out of high school, but managed to climb up the ladder despite his humble background and lack of higher education end up living "behind the gates," surrounded by Joneses. The family started spending more than they ever spent on country club memberships, Disneyworld annual passes, matching clothing for the kids, high end vacations, cars, home improvements, cleaning help (the neighbors 'convinced' them it was a necessity even though they never knew anyone before with such help), and more. The wife always took care of the finances, and the husband didn't concern himself too much, that was until they cashed out his last stock options. He knew things couldn't be good, but "everyone else was managing" and his wife couldn't seem to give him any hard numbers (a common problem I will hopefully get around to addressing in a post soon). The wife, herself, never actually ran tallies and didn't know the debt totals. In the end, he had to order their credit reports online and had to smell the coffee as they had $100,000 in credit card debt alone, this in addition to the HELOC. A long story short, this high income family ended up bankrupting and can no longer live the way they used to. Here you have an all too common problem of too much credit and too little information in the hands of too few.

    I have another friend who was also "none the wiser" about their financial foundation, until her divorce that is. They didn't argue about money. She had seen her way out. She knew her husband had debts, but didn't get involved. . . . until she had no choice. He had borrowed every penny of equity in the house and lost most of it in the stock market. She had made, what would have been a very nice decision to stay home and raise her baby, but nearly ended up facing financial ruin when she found out there was no money in their home and she had no real finances of her own. Baruch Hashem her family came through in a pinch and she is establishing a future for herself now. Divorce or no divorce, she would have been thrown out to the working world eventually because at some point the husband wouldn't have been able to provide.

    More to come iy"h, next time on a more positive note I hope.