<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
		>
<channel>
	<title>Comments for Money 4 This Not 4 That</title>
	<atom:link href="http://money4thisnot4that.com/comments/feed/" rel="self" type="application/rss+xml" />
	<link>http://money4thisnot4that.com</link>
	<description>Saving money everyday, so you can spend wisely on what you enjoy.</description>
	<lastBuildDate>Wed, 18 Apr 2012 13:58:43 +0000</lastBuildDate>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.2</generator>
	<item>
		<title>Comment on Should We Pay For Good Grades? by Maggiee</title>
		<link>http://money4thisnot4that.com/2011/09/should-we-pay-for-good-grades/comment-page-1/#comment-10214</link>
		<dc:creator>Maggiee</dc:creator>
		<pubDate>Wed, 18 Apr 2012 13:58:43 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=7234#comment-10214</guid>
		<description>yeS yOu shouLd paY</description>
		<content:encoded><![CDATA[<p>yeS yOu shouLd paY</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on Are We Doing Our Kids a Disservice By Letting Them Go To College? by Amy</title>
		<link>http://money4thisnot4that.com/2012/04/are-we-doing-our-kids-a-disservice-by-letting-them-go-to-college/comment-page-1/#comment-10081</link>
		<dc:creator>Amy</dc:creator>
		<pubDate>Fri, 13 Apr 2012 20:14:35 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=9939#comment-10081</guid>
		<description>Very well put Becca. I too believe that there is a different path for everyone. I love that everyone used the inheritance is such positive life changing ways. That&#039;s exactly what an inheritance is for.</description>
		<content:encoded><![CDATA[<p>Very well put Becca. I too believe that there is a different path for everyone. I love that everyone used the inheritance is such positive life changing ways. That&#8217;s exactly what an inheritance is for.</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on Are We Doing Our Kids a Disservice By Letting Them Go To College? by 'Becca</title>
		<link>http://money4thisnot4that.com/2012/04/are-we-doing-our-kids-a-disservice-by-letting-them-go-to-college/comment-page-1/#comment-10079</link>
		<dc:creator>'Becca</dc:creator>
		<pubDate>Fri, 13 Apr 2012 19:40:37 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=9939#comment-10079</guid>
		<description>I think it is crucial to be able to go to college if you are a seriously academic type of person, the kind who will (a) do well on standardized tests and high school grades and thereby possibly qualify for merit scholarships, (b) work very hard at college, and (c) likely be unhappy in most professions that can be done without a college degree.  I am this type of person, and two decades ago my education at an excellent and expensive university was paid approximately 1/7 by merit-based scholarship, 1/3 by inheritance from my grandmother, and the rest by my parents.  (I worked part-time during school and full-time during summers, but my earnings only covered incidental expenses like clothing.) Because of my parents&#039; low debt, my brother and I did not qualify for need-based aid even when we were in college simultaneously and our combined tuitions after scholarships were nearly equal to our parents&#039; income!  Still, I think it was worth the money FOR US, and I&#039;m very very grateful that my parents were willing to live frugally throughout our childhood and college years to accumulate savings and then spend them on our education.

However, the popular idea these days that EVERYBODY should go straight from high school to 4 years of full-time college deserves reconsideration.  Not every kid is going to make the most of that opportunity.  Not every career truly requires a bachelor&#039;s.  (A good example is computer programming.  Many of my friends dropped out after 2-3 years as CS majors but have great careers using the skills they learned in that time.  I know many people who are self-taught in other fields, especially arts, who never went to college at all yet are quite successful.)  With everybody trying to go to college, demand for scholarships is so high that only the top achievers get them.

It&#039;s worth considering other options like community college, vo-tech programs, or working for a few years to clarify your interests and save some money before applying to colleges.  One of my cousins used her inheritance from our grandmother to buy a few horses and open a riding school (originally using her parents&#039; land and barn) and she has been pretty successful; as a high school student she was only a bit above average and feeling burned out on school, so I doubt she would have done well in college.  Her brother spent a few years delivering pizzas and letting Grandma&#039;s money earn interest, and then when he realized he wanted to be an environmental attorney, THEN he went to college and law school.  I think Grandma would be proud of all of us. :-)

I wrote about my thoughts on debt and the value of education in &lt;a href=&quot;http://articles.earthlingshandbook.org/2001/06/04/things-i-learned-from-my-dad/&quot; rel=&quot;nofollow&quot;&gt;Things I Learned from My Dad&lt;/a&gt; and &lt;a href=&quot;http://articles.earthlingshandbook.org/2009/06/17/starting-with-something/&quot; rel=&quot;nofollow&quot;&gt;Starting with Something&lt;/a&gt; and &lt;a href=&quot;http://articles.earthlingshandbook.org/2009/09/01/the-path-at-the-end-of-the-road/&quot; rel=&quot;nofollow&quot;&gt;The Path at the End of the Road&lt;/a&gt;.</description>
		<content:encoded><![CDATA[<p>I think it is crucial to be able to go to college if you are a seriously academic type of person, the kind who will (a) do well on standardized tests and high school grades and thereby possibly qualify for merit scholarships, (b) work very hard at college, and (c) likely be unhappy in most professions that can be done without a college degree.  I am this type of person, and two decades ago my education at an excellent and expensive university was paid approximately 1/7 by merit-based scholarship, 1/3 by inheritance from my grandmother, and the rest by my parents.  (I worked part-time during school and full-time during summers, but my earnings only covered incidental expenses like clothing.) Because of my parents&#8217; low debt, my brother and I did not qualify for need-based aid even when we were in college simultaneously and our combined tuitions after scholarships were nearly equal to our parents&#8217; income!  Still, I think it was worth the money FOR US, and I&#8217;m very very grateful that my parents were willing to live frugally throughout our childhood and college years to accumulate savings and then spend them on our education.</p>
<p>However, the popular idea these days that EVERYBODY should go straight from high school to 4 years of full-time college deserves reconsideration.  Not every kid is going to make the most of that opportunity.  Not every career truly requires a bachelor&#8217;s.  (A good example is computer programming.  Many of my friends dropped out after 2-3 years as CS majors but have great careers using the skills they learned in that time.  I know many people who are self-taught in other fields, especially arts, who never went to college at all yet are quite successful.)  With everybody trying to go to college, demand for scholarships is so high that only the top achievers get them.</p>
<p>It&#8217;s worth considering other options like community college, vo-tech programs, or working for a few years to clarify your interests and save some money before applying to colleges.  One of my cousins used her inheritance from our grandmother to buy a few horses and open a riding school (originally using her parents&#8217; land and barn) and she has been pretty successful; as a high school student she was only a bit above average and feeling burned out on school, so I doubt she would have done well in college.  Her brother spent a few years delivering pizzas and letting Grandma&#8217;s money earn interest, and then when he realized he wanted to be an environmental attorney, THEN he went to college and law school.  I think Grandma would be proud of all of us. <img src='http://money4thisnot4that.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
<p>I wrote about my thoughts on debt and the value of education in <a href="http://articles.earthlingshandbook.org/2001/06/04/things-i-learned-from-my-dad/" rel="nofollow">Things I Learned from My Dad</a> and <a href="http://articles.earthlingshandbook.org/2009/06/17/starting-with-something/" rel="nofollow">Starting with Something</a> and <a href="http://articles.earthlingshandbook.org/2009/09/01/the-path-at-the-end-of-the-road/" rel="nofollow">The Path at the End of the Road</a>.</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on Are We Doing Our Kids a Disservice By Letting Them Go To College? by Amy</title>
		<link>http://money4thisnot4that.com/2012/04/are-we-doing-our-kids-a-disservice-by-letting-them-go-to-college/comment-page-1/#comment-9829</link>
		<dc:creator>Amy</dc:creator>
		<pubDate>Tue, 10 Apr 2012 14:43:20 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=9939#comment-9829</guid>
		<description>I love the idea of funding a kids business. If you have that kid, that has that dream I think that is just as good of an investment as a degree.</description>
		<content:encoded><![CDATA[<p>I love the idea of funding a kids business. If you have that kid, that has that dream I think that is just as good of an investment as a degree.</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on Are We Doing Our Kids a Disservice By Letting Them Go To College? by EcoCatLady</title>
		<link>http://money4thisnot4that.com/2012/04/are-we-doing-our-kids-a-disservice-by-letting-them-go-to-college/comment-page-1/#comment-9816</link>
		<dc:creator>EcoCatLady</dc:creator>
		<pubDate>Tue, 10 Apr 2012 05:49:11 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=9939#comment-9816</guid>
		<description>I honestly don&#039;t know what I would advise someone to do regarding college these days. Thankfully, higher education is a question that parents of felines never have to face! 

I went to a private university and came out with about $10,000 in debt, which I had totally paid off less than 3 years after graduation, thanks to a death in the family (and the small inheritance that came with it) as well as some help from my parents. On top of that, college ate up the $40K my parents had saved for me, as well as costing them a pretty penny to boot. 

I still wonder if it was worth it. I mean... I suppose on a personal level it was, because, generous as my parents were with my financially, they&#039;re still totally crazy, and at least I got 4 years of free therapy at the student counseling center out of the deal! Educationally speaking... who knows.

And my education was a classic liberal arts degree... with a major in music - making me, oh, so employable. I actually did end up running a music school... But look at the degrees kids get today. &quot;Specialized&quot; doesn&#039;t begin to describe it. It&#039;s hard to even call it an &quot;education&quot;, as it much more resembles some sort of white collar trade program. So what do you do if you declare your incredibly specific concentration in say &quot;visual marketing with a minor in print ads&quot;, and rack up a ton of debt, only to later discover that you hate the field and/or can&#039;t find a job?

It&#039;s enough to make you wonder what would happen if you skipped college altogether, and instead used the money to help your kid open their own business. I&#039;m not really suggesting that, it just seems like the options are not really all that appealing these days.</description>
		<content:encoded><![CDATA[<p>I honestly don&#8217;t know what I would advise someone to do regarding college these days. Thankfully, higher education is a question that parents of felines never have to face! </p>
<p>I went to a private university and came out with about $10,000 in debt, which I had totally paid off less than 3 years after graduation, thanks to a death in the family (and the small inheritance that came with it) as well as some help from my parents. On top of that, college ate up the $40K my parents had saved for me, as well as costing them a pretty penny to boot. </p>
<p>I still wonder if it was worth it. I mean&#8230; I suppose on a personal level it was, because, generous as my parents were with my financially, they&#8217;re still totally crazy, and at least I got 4 years of free therapy at the student counseling center out of the deal! Educationally speaking&#8230; who knows.</p>
<p>And my education was a classic liberal arts degree&#8230; with a major in music &#8211; making me, oh, so employable. I actually did end up running a music school&#8230; But look at the degrees kids get today. &#8220;Specialized&#8221; doesn&#8217;t begin to describe it. It&#8217;s hard to even call it an &#8220;education&#8221;, as it much more resembles some sort of white collar trade program. So what do you do if you declare your incredibly specific concentration in say &#8220;visual marketing with a minor in print ads&#8221;, and rack up a ton of debt, only to later discover that you hate the field and/or can&#8217;t find a job?</p>
<p>It&#8217;s enough to make you wonder what would happen if you skipped college altogether, and instead used the money to help your kid open their own business. I&#8217;m not really suggesting that, it just seems like the options are not really all that appealing these days.</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on 10 Ways With Butternut Squash by Diane Gregg</title>
		<link>http://money4thisnot4that.com/2010/10/10-ways-with-butternut-squash/comment-page-1/#comment-9131</link>
		<dc:creator>Diane Gregg</dc:creator>
		<pubDate>Mon, 12 Mar 2012 20:39:39 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=6271#comment-9131</guid>
		<description>Butternut squash, not the most pleasant vegetable to work with, but tasty and very nutritious.  To soften before slicing down the middle, I tried microwaving for one minute.  Worked pretty well.  It was easier to cut.  I got some hot spots and some spots that bubbled up, but nothing too serious.  Since I usually avoid buying these, I will probably put up with these inconveniences to have it more often.</description>
		<content:encoded><![CDATA[<p>Butternut squash, not the most pleasant vegetable to work with, but tasty and very nutritious.  To soften before slicing down the middle, I tried microwaving for one minute.  Worked pretty well.  It was easier to cut.  I got some hot spots and some spots that bubbled up, but nothing too serious.  Since I usually avoid buying these, I will probably put up with these inconveniences to have it more often.</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on Losing the &#8216;Poo by EcoCatLady</title>
		<link>http://money4thisnot4that.com/2012/02/losing-the-poo/comment-page-1/#comment-8483</link>
		<dc:creator>EcoCatLady</dc:creator>
		<pubDate>Sat, 04 Feb 2012 01:32:01 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=8949#comment-8483</guid>
		<description>Well, I&#039;ve been doing the no shampoo thing for over 3 years now and my hair has never looked better. But it did take me some time to come up with a system that worked for me. I actually use citric acid instead of vinegar because I can&#039;t stand the vinegar smell. Plus, I need to use a fairly high concentration of acid. I think the amount of acidity required is somewhat dependent on both your hair and the ph of the water in your area. We have very hard water, so more acid is required.

I&#039;ve never had any problems with the acidic rinse making my hair greasy. In fact, I actually use a bit of jojoba oil after the rinse because otherwise my ends got too dry. I also have a system of combing my hair while it has the citric acid rinse on it. You&#039;d be AMAZED at the amount of gunk that comes out in the comb! It really helps to keep my hair from getting build up and feeling weighted down.

Anyhow, at this point I only have to wash it twice a week, there&#039;s no frizz, the ends curl nicely all by themselves and I am one happy camper!

Best of luck in your &quot;no poo&quot; travels!</description>
		<content:encoded><![CDATA[<p>Well, I&#8217;ve been doing the no shampoo thing for over 3 years now and my hair has never looked better. But it did take me some time to come up with a system that worked for me. I actually use citric acid instead of vinegar because I can&#8217;t stand the vinegar smell. Plus, I need to use a fairly high concentration of acid. I think the amount of acidity required is somewhat dependent on both your hair and the ph of the water in your area. We have very hard water, so more acid is required.</p>
<p>I&#8217;ve never had any problems with the acidic rinse making my hair greasy. In fact, I actually use a bit of jojoba oil after the rinse because otherwise my ends got too dry. I also have a system of combing my hair while it has the citric acid rinse on it. You&#8217;d be AMAZED at the amount of gunk that comes out in the comb! It really helps to keep my hair from getting build up and feeling weighted down.</p>
<p>Anyhow, at this point I only have to wash it twice a week, there&#8217;s no frizz, the ends curl nicely all by themselves and I am one happy camper!</p>
<p>Best of luck in your &#8220;no poo&#8221; travels!</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on Get Rid of Cold Sores Quickly With Household Products by Losing the &#8216;Poo</title>
		<link>http://money4thisnot4that.com/2011/02/get-rid-of-cold-sores-quickly-with-household-products/comment-page-1/#comment-8474</link>
		<dc:creator>Losing the &#8216;Poo</dc:creator>
		<pubDate>Fri, 03 Feb 2012 16:56:40 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=8410#comment-8474</guid>
		<description>[...] Here are other uses for apple cider vinegar if you decide not to use it in your hair. Using it as deodorant or getting rid of cold sores. [...]</description>
		<content:encoded><![CDATA[<p>[...] Here are other uses for apple cider vinegar if you decide not to use it in your hair. Using it as deodorant or getting rid of cold sores. [...]</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on 4 Ways with Rotisserie Chicken by How To Cut Over $100 Out of Your Monthly Budget</title>
		<link>http://money4thisnot4that.com/2010/09/4-ways-with-rotisserie-chicken/comment-page-1/#comment-8216</link>
		<dc:creator>How To Cut Over $100 Out of Your Monthly Budget</dc:creator>
		<pubDate>Wed, 25 Jan 2012 16:33:43 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=5837#comment-8216</guid>
		<description>[...] Do a weekly menu plan for your dinners. It keeps you from eating out and it keeps you from impulse buying at the store. Make that $4.99 Costco chicken into 4 meals. [...]</description>
		<content:encoded><![CDATA[<p>[...] Do a weekly menu plan for your dinners. It keeps you from eating out and it keeps you from impulse buying at the store. Make that $4.99 Costco chicken into 4 meals. [...]</p>
]]></content:encoded>
	</item>
	<item>
		<title>Comment on 4 Ways with Rotisserie Chicken by Menu Plan January 15-21</title>
		<link>http://money4thisnot4that.com/2010/09/4-ways-with-rotisserie-chicken/comment-page-1/#comment-8197</link>
		<dc:creator>Menu Plan January 15-21</dc:creator>
		<pubDate>Wed, 25 Jan 2012 05:39:40 +0000</pubDate>
		<guid isPermaLink="false">http://money4thisnot4that.com/?p=5837#comment-8197</guid>
		<description>[...] Pasta Carbonara Bread Caesar [...]</description>
		<content:encoded><![CDATA[<p>[...] Pasta Carbonara Bread Caesar [...]</p>
]]></content:encoded>
	</item>
</channel>
</rss>

